Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 2 of 6) - আৰবিআই - Reserve Bank of India
Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 2 of 6)
NATIONALISED BANKS |
(Amount in Rs. lakh) | |||||||||
For the year ended March 31 | |||||||||
Items | Allahabad Bank | Andhra Bank | Bank of Baroda | Bank of India | |||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | ||
Income | |||||||||
I. | Interest Earned | 184519 | 206742 | 144100 | 187506 | 522019 | 575734 | 473699 | 531687 |
a) Interest/discount on advances/bills | 88459 | 106405 | 64415 | 79408 | 259131 | 293825 | 275011 | 312874 | |
b) Income on Investments | 90156 | 93074 | 74448 | 103270 | 199281 | 215083 | 167267 | 180566 | |
c) Interest on balances with | 5773 | 6885 | 4929 | 4827 | 49304 | 61280 | 18663 | 35773 | |
RBI and other inter-bank funds | |||||||||
d) Others | 131 | 379 | 308 | 0 | 14303 | 5547 | 12757 | 2474 | |
II. | Other income | 25732 | 24293 | 23238 | 20462 | 64143 | 70628 | 78554 | 86191 |
a) Commission, exchange and brokerage | 13127 | 14259 | 7376 | 7835 | 28031 | 29773 | 29288 | 32388 | |
b) Net Profit (loss) on sale of investments | 7356 | 5238 | 8749 | 6500 | 8567 | 10197 | 16680 | 19646 | |
c) Net Profit (loss) on revaluation of investments | 0 | 0 | 0 | 0 | 0 | 62 | 0 | 0 | |
d) Net Profit (loss) on sale of land, building & other assets | 5 | -4 | 18 | 9 | 15 | -13 | 0 | 10 | |
e) Net Profit (loss) on exchange transaction | 2997 | 2896 | 1278 | 1256 | 13143 | 13443 | 11240 | 10466 | |
f) Miscellaneous income | 2247 | 1904 | 5818 | 4863 | 14387 | 17166 | 21347 | 23683 | |
Total (I+II) | 210251 | 231035 | 167338 | 207968 | 586161 | 646362 | 552253 | 617878 | |
Expenditure & Provisions | |||||||||
III. | Interest expended | 128097 | 138656 | 102536 | 137458 | 350663 | 381955 | 344314 | 366303 |
a) Interest on deposits | 126066 | 135418 | 97795 | 130132 | 325132 | 358090 | 306218 | 321637 | |
b) Interest on RBI/inter-bank borrowings | 69 | 221 | 2870 | 3221 | 8041 | 7535 | 31039 | 34358 | |
c) Others | 1962 | 3016 | 1871 | 4104 | 17491 | 16329 | 7057 | 10308 | |
IV. | Operating expenses | 53592 | 65779 | 35854 | 45639 | 130331 | 160760 | 139640 | 174373 |
a) Payments to and provisions for employees | 36706 | 48072 | 26095 | 33879 | 89645 | 114573 | 99912 | 133882 | |
b) Rent, taxes and lighting | 3439 | 3978 | 2023 | 2407 | 10915 | 11923 | 10619 | 11456 | |
c) Printing and stationery | 959 | 1109 | 597 | 591 | 1901 | 1914 | 1823 | 1942 | |
d) Advertisement and publicity | 344 | 348 | 68 | 168 | 806 | 624 | 232 | 334 | |
e) Depreciation on Bank's property | 1796 | 2049 | 1350 | 2144 | 5237 | 7725 | 7587 | 7416 | |
f) Directors' fees, allowances and expenses | 0 | 29 | 13 | 8 | 38 | 22 | 14 | 7 | |
g) Auditors' fees and expenses | 228 | 420 | 301 | 293 | 940 | 1105 | 778 | 736 | |
h) Law charges | 516 | 294 | 233 | 252 | 1032 | 1242 | 1492 | 1151 | |
i) Postage, telegrams, telephones, etc. | 1202 | 1319 | 445 | 438 | 1322 | 1392 | 847 | 444 | |
j) Repairs and maintenance | 850 | 835 | 671 | 743 | 2540 | 3059 | 1807 | 1953 | |
k) Insurance | 882 | 1132 | 778 | 1086 | 2869 | 2875 | 2001 | 2151 | |
l) Other expenditure | 6669 | 6192 | 3279 | 3628 | 13084 | 14306 | 12529 | 12901 | |
V. | Provisions and contingencies | 21629 | 22609 | 16889 | 12753 | 54890 | 76181 | 51017 | 52014 |
Total expenses@ | 181689 | 204435 | 138390 | 183096 | 480994 | 542715 | 483954 | 540676 | |
VI. | Profit (loss) | 6933 | 3991 | 12059 | 12119 | 50277 | 27466 | 17282 | 25188 |
Total (III+IV+V+VI) | 210251 | 231035 | 167338 | 207968 | 586161 | 646362 | 552253 | 617878 | |
(Amount in Rs. lakh) | |||||||||
For the year ended March 31 | |||||||||
Items | Bank of | Canara Bank | Central Bank of | Corporation | |||||
Maharashtra | India | Bank | |||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) | ||
Income | |||||||||
I. | Interest Earned | 146727 | 170588 | 485174 | 561827 | 374799 | 426526 | 160439 | 180453 |
a) Interest/discount on advances/bills | 58928 | 70291 | 248843 | 292019 | 178308 | 196817 | 80601 | 93407 | |
b) Income on Investments | 82390 | 93591 | 204153 | 223430 | 185825 | 214598 | 68905 | 74384 | |
c) Interest on balances with | 5100 | 5683 | 32059 | 46339 | 9485 | 15111 | 9443 | 9369 | |
RBI and other inter-bank funds | |||||||||
d) Others | 309 | 1023 | 120 | 38 | 1182 | 0 | 1490 | 3293 | |
II. | Other income | 18456 | 22239 | 83568 | 91779 | 43740 | 46944 | 27081 | 29209 |
a) Commission, exchange and brokerage | 8926 | 9628 | 31954 | 32271 | 24978 | 27840 | 13023 | 13084 | |
b) Net Profit (loss) on sale of investments | 6237 | 8110 | 13289 | 20139 | 13256 | 14426 | 5755 | 6680 | |
c) Net Profit (loss) on revaluation of investments | 0 | 0 | 0 | 0 | 0 | -767 | 0 | 0 | |
d) Net Profit (loss) on sale of land, building & other assets | 10 | 6 | 69 | 66 | 10 | 6 | 11 | 1 | |
e) Net Profit (loss) on exchange transaction | 1437 | 2312 | 9669 | 12381 | 3363 | 3129 | 3488 | 3655 | |
f) Miscellaneous income | 1847 | 2183 | 28586 | 26921 | 2134 | 2311 | 4805 | 5790 | |
Total (I+II) | 165183 | 192827 | 568742 | 653605 | 418540 | 473470 | 187520 | 209663 | |
Expenditure & Provisions | |||||||||
III. | Interest expended | 100015 | 114757 | 341447 | 373525 | 252160 | 281607 | 114609 | 122321 |
a) Interest on deposits | 95463 | 109470 | 323413 | 357477 | 245367 | 273107 | 111575 | 118418 | |
b) Interest on RBI/inter-bank borrowings | 1226 | 1050 | 1855 | 2867 | 1469 | 1207 | 1705 | 1952 | |
c) Others | 3327 | 4237 | 16179 | 13181 | 5324 | 7293 | 1329 | 1952 | |
IV. | Operating expenses | 42008 | 54072 | 134980 | 166958 | 124225 | 144815 | 30399 | 34136 |
a) Payments to and provisions for employees | 32485 | 42370 | 95109 | 125307 | 99083 | 115222 | 17726 | 20000 | |
b) Rent, taxes and lighting | 2511 | 2991 | 12092 | 13374 | 5508 | 6259 | 2747 | 3385 | |
c) Printing and stationery | 571 | 551 | 1813 | 1017 | 1330 | 1339 | 642 | 657 | |
d) Advertisement and publicity | 152 | 148 | 212 | 333 | 309 | 336 | 371 | 400 | |
e) Depreciation on Bank's property | 1734 | 2814 | 7528 | 6591 | 3172 | 4540 | 2178 | 2151 | |
f) Directors' fees, allowances and expenses | 11 | 5 | 17 | 14 | 12 | 6 | 15 | 10 | |
g) Auditors' fees and expenses | 253 | 402 | 903 | 856 | 491 | 707 | 218 | 258 | |
h) Law charges | 100 | 105 | 120 | 80 | 506 | 597 | 15 | 30 | |
i) Postage, telegrams, telephones, etc. | 542 | 601 | 1517 | 1597 | 489 | 387 | 1025 | 1160 | |
j) Repairs and maintenance | 503 | 530 | 2208 | 2469 | 1090 | 1293 | 826 | 852 | |
k) Insurance | 705 | 789 | 2283 | 2538 | 1657 | 1943 | 765 | 857 | |
l) Other expenditure | 2439 | 2765 | 11179 | 12782 | 10577 | 12185 | 3871 | 4376 | |
V. | Provisions and contingencies | 14146 | 19479 | 68711 | 84613 | 27087 | 42401 | 19268 | 27022 |
Total expenses@ | 142023 | 168829 | 476426 | 540483 | 376384 | 426422 | 145007 | 156457 | |
VI. | Profit (loss) | 9014 | 4519 | 23605 | 28510 | 15069 | 4646 | 23244 | 26184 |
Total (III+IV+V+VI) | 165183 | 192827 | 568742 | 653605 | 418540 | 473470 | 187520 | 209663 | |
(Amount in Rs. lakh) | |||||||||
For the year ended March 31 | |||||||||
Items | Dena Bank | Indian Bank | Indian Overseas | Oriental Bank of | |||||
Bank | Commerce | ||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) | ||
Income | |||||||||
I. | Interest Earned | 158738 | 171638 | 189862 | 210018 | 331511 | 279342 | 245807 | 275872 |
a) Interest/discount on advances/bills | 83238 | 83896 | 92967 | 102215 | 162549 | 135053 | 101065 | 120269 | |
b) Income on Investments | 71536 | 81633 | 92838 | 104231 | 146070 | 124707 | 136659 | 144135 | |
c) Interest on balances with | 3179 | 3915 | 4058 | 3571 | 21444 | 19582 | 7893 | 9401 | |
RBI and other inter-bank funds | |||||||||
d) Others | 785 | 2194 | 0 | 0 | 1449 | 0 | 189 | 2067 | |
II. | Other income | 21176 | 19908 | 27514 | 31632 | 29911 | 30242 | 22137 | 26772 |
a) Commission, exchange and brokerage | 8591 | 8396 | 9143 | 9267 | 11386 | 17847 | 9564 | 9599 | |
b) Net Profit (loss) on sale of investments | 7372 | 3711 | 5748 | 5957 | 4321 | 5310 | 5797 | 9531 | |
c) Net Profit (loss) on revaluation of investments | 0 | 0 | 0 | 0 | 0 | 74 | 0 | -1000 | |
d) Net Profit (loss) on sale of land, building & other assets | 0 | -10 | -11 | 1010 | 34 | 45 | -4 | 39 | |
e) Net Profit (loss) on exchange transaction | 1979 | 1566 | 5279 | 4755 | 7833 | 4241 | 3392 | 3829 | |
f) Miscellaneous income | 3234 | 6245 | 7355 | 10644 | 6338 | 2724 | 3388 | 4775 | |
Total (I+II) | 179914 | 191546 | 217376 | 241650 | 361422 | 309583 | 267944 | 302645 | |
Expenditure & Provisions | |||||||||
III. | Interest expended | 116919 | 126746 | 151868 | 161129 | 235803 | 191267 | 174528 | 196809 |
a) Interest on deposits | 104290 | 113924 | 145806 | 153129 | 229745 | 185570 | 171817 | 193689 | |
b) Interest on RBI/inter-bank borrowings | 2872 | 2797 | 3840 | 5937 | 2391 | 1697 | 1472 | 1158 | |
c) Others | 9757 | 10025 | 2222 | 2063 | 3668 | 4000 | 1239 | 1962 | |
IV. | Operating expenses | 41139 | 57990 | 63122 | 74362 | 86456 | 87656 | 42824 | 52425 |
a) Payments to and provisions for employees | 29304 | 43450 | 49339 | 59327 | 61186 | 66914 | 23137 | 31514 | |
b) Rent, taxes and lighting | 2879 | 3323 | 4376 | 4602 | 5002 | 6011 | 5521 | 5730 | |
c) Printing and stationery | 604 | 689 | 827 | 857 | 1247 | 851 | 834 | 931 | |
d) Advertisement and publicity | 293 | 207 | 64 | 54 | 650 | 199 | 204 | 197 | |
e) Depreciation on Bank's property | 1755 | 2143 | 1600 | 2253 | 4424 | 4095 | 4169 | 4101 | |
f) Directors' fees, allowances and expenses | 25 | 28 | 11 | 3 | 34 | 5 | 28 | 14 | |
g) Auditors' fees and expenses | 217 | 404 | 371 | 413 | 535 | 409 | 281 | 303 | |
h) Law charges | 123 | 92 | 64 | 116 | 682 | 74 | 329 | 325 | |
i) Postage, telegrams, telephones, etc. | 597 | 793 | 281 | 178 | 1034 | 579 | 892 | 987 | |
j) Repairs and maintenance | 864 | 1008 | 1235 | 1375 | 964 | 300 | 470 | 365 | |
k) Insurance | 935 | 1302 | 956 | 1141 | 1718 | 1492 | 1136 | 1431 | |
l) Other expenditure | 3543 | 4552 | 3999 | 4044 | 8981 | 6727 | 5822 | 6528 | |
V. | Provisions and contingencies | 15569 | 33423 | 45083 | 33559 | 29039 | 19068 | 22729 | 33122 |
Total expenses@ | 158058 | 184735 | 214990 | 235491 | 322259 | 278923 | 217352 | 249234 | |
VI. | Profit (loss) | 6287 | -26612 | -42697 | -27400 | 10124 | 11593 | 27862 | 20289 |
Total (III+IV+V+VI) | 179914 | 191546 | 217376 | 241650 | 361422 | 309583 | 267944 | 302645 | |
(Amount in Rs. lakh) | |||||||||
For the year ended March 31 | |||||||||
Items | Punjab & Sind | Punjab National | Syndicate Bank | Union Bank of | |||||
Bank | Bank | India | |||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) | ||
Income | |||||||||
I. | Interest Earned | 113046 | 123746 | 515455 | 586348 | 243763 | 279218 | 374799 | 373295 |
a) Interest/discount on advances/bills | 52555 | 58678 | 251423 | 282354 | 132414 | 157847 | 178308 | 195506 | |
b) Income on Investments | 54428 | 58387 | 241710 | 274178 | 105210 | 113015 | 185825 | 152444 | |
c) Interest on balances with | 5295 | 6231 | 17154 | 15229 | 5744 | 6952 | 9485 | 20222 | |
RBI and other inter-bank funds | |||||||||
d) Others | 769 | 451 | 5168 | 14587 | 394 | 1403 | 1182 | 5123 | |
II. | Other income | 15469 | 16628 | 72766 | 77842 | 30648 | 28142 | 43740 | 31158 |
a) Commission, exchange and brokerage | 4473 | 4632 | 38171 | 41935 | 10115 | 11072 | 24978 | 12130 | |
b) Net Profit (loss) on sale of investments | 5290 | 6903 | 21492 | 24203 | 6069 | 6653 | 13256 | 3435 | |
c) Net Profit (loss) on revaluation of investments | 0 | 0 | -2 | -2575 | 0 | -1367 | 0 | 0 | |
d) Net Profit (loss) on sale of land, building & other assets | 5 | 1 | 68 | 37 | 9 | 18 | 10 | -12 | |
e) Net Profit (loss) on exchange transaction | 2291 | 2443 | 7616 | 9415 | 7041 | 3561 | 3363 | 8954 | |
f) Miscellaneous income | 3410 | 2650 | 5420 | 4827 | 7414 | 8206 | 2134 | 6652 | |
Total (I+II) | 128516 | 140375 | 588221 | 664190 | 274411 | 307360 | 418540 | 404454 | |
Expenditure & Provisions | |||||||||
III. | Interest expended | 85108 | 90108 | 353820 | 382505 | 161233 | 169853 | 252160 | 251395 |
a) Interest on deposits | 81357 | 85072 | 336679 | 360946 | 157531 | 164507 | 245367 | 242708 | |
b) Interest on RBI/inter-bank borrowings | 635 | 826 | 2907 | 3923 | 241 | 680 | 1469 | 2193 | |
c) Others | 3116 | 4210 | 14234 | 17636 | 3461 | 4666 | 5324 | 6495 | |
IV. | Operating expenses | 33586 | 39993 | 152385 | 187164 | 85120 | 107727 | 124225 | 101933 |
a) Payments to and provisions for employees | 24216 | 30509 | 118367 | 145908 | 66921 | 88143 | 99083 | 75619 | |
b) Rent, taxes and lighting | 2115 | 2210 | 7198 | 8241 | 4874 | 5313 | 5508 | 5531 | |
c) Printing and stationery | 372 | 471 | 2234 | 2445 | 617 | 711 | 1330 | 1305 | |
d) Advertisement and publicity | 117 | 110 | 434 | 471 | 160 | 147 | 309 | 605 | |
e) Depreciation on Bank's property | 1507 | 1378 | 4299 | 7463 | 1827 | 1959 | 3172 | 4465 | |
f) Directors' fees, allowances and expenses | 10 | 3 | 12 | 17 | 16 | 15 | 12 | 14 | |
g) Auditors' fees and expenses | 207 | 231 | 720 | 885 | 396 | 479 | 491 | 639 | |
h) Law charges | 79 | 60 | 584 | 603 | 69 | 57 | 506 | 459 | |
i) Postage, telegrams, telephones, etc. | 532 | 548 | 2366 | 2567 | 1050 | 1148 | 489 | 950 | |
j) Repairs and maintenance | 397 | 457 | 1368 | 1697 | 694 | 787 | 1090 | 1039 | |
k) Insurance | 617 | 646 | 3055 | 3311 | 1014 | 1112 | 1657 | 1924 | |
l) Other expenditure | 3416 | 3371 | 11748 | 13556 | 7484 | 7857 | 10577 | 9385 | |
V. | Provisions and contingencies | 3677 | 8948 | 41202 | 48157 | 6492 | 6286 | 27087 | 35578 |
Total expenses@ | 118694 | 130101 | 506205 | 569669 | 246354 | 277580 | 376384 | 353329 | |
VI. | Profit (loss) | 6144 | 1326 | 40814 | 46364 | 21565 | 23494 | 15069 | 15547 |
Total (III+IV+V+VI) | 128516 | 140375 | 588221 | 664190 | 274411 | 307360 | 418540 | 404454 | |
(Amount in Rs. lakh) | |||||||
For the year ended March 31 | |||||||
Items | United Bank of | UCO Bank | Vijaya Bank | ||||
India | |||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(33) | (34) | (35) | (36) | (37) | (38) | ||
Income | |||||||
I. | Interest Earned | 169690 | 193083 | 197750 | 227470 | 119754 | 135618 |
a) Interest/discount on advances/bills | 47848 | 58568 | 76345 | 95206 | 55699 | 65173 | |
b) Income on Investments | 116119 | 130284 | 107701 | 116813 | 58527 | 64601 | |
c) Interest on balances with | 3915 | 3476 | 8899 | 9435 | 4064 | 4776 | |
RBI and other inter-bank funds | |||||||
d) Others | 1808 | 755 | 4805 | 6016 | 1463 | 1069 | |
II. | Other income | 13957 | 16474 | 24890 | 29771 | 11681 | 15626 |
a) Commission, exchange and brokerage | 7014 | 7229 | 10599 | 11898 | 5071 | 5153 | |
b) Net Profit (loss) on sale of investments | 3145 | 5113 | 4028 | 7337 | 1250 | 267 | |
c) Net Profit (loss) on revaluation of investments | 0 | 0 | 0 | 0 | 0 | 3908 | |
d) Net Profit (loss) on sale of land, building & other assets | 3 | 0 | 581 | 2 | 11 | 20 | |
e) Net Profit (loss) on exchange transaction | 32 | 198 | 1264 | 1758 | 1551 | 2350 | |
f) Miscellaneous income | 3764 | 3935 | 8418 | 8777 | 3798 | 3928 | |
Total (I+II) | 183647 | 209557 | 222641 | 257241 | 131434 | 151245 | |
Expenditure & Provisions | |||||||
III. | Interest expended | 128646 | 141724 | 142493 | 161264 | 80937 | 89583 |
a) Interest on deposits | 126925 | 140224 | 134900 | 154413 | 77841 | 85983 | |
b) Interest on RBI/inter-bank borrowings | 791 | 570 | 5516 | 4421 | 417 | 435 | |
c) Others | 930 | 930 | 2078 | 2431 | 2679 | 3166 | |
IV. | Operating expenses | 46572 | 54161 | 62464 | 74600 | 37953 | 43813 |
a) Payments to and provisions for employees | 38657 | 44752 | 50623 | 61795 | 27265 | 33042 | |
b) Rent, taxes and lighting | 2001 | 2199 | 3242 | 3337 | 2898 | 3075 | |
c) Printing and stationery | 597 | 673 | 821 | 759 | 376 | 639 | |
d) Advertisement and publicity | 66 | 75 | 123 | 98 | 46 | 61 | |
e) Depreciation on Bank's property | 540 | 880 | 1346 | 1831 | 1814 | 1603 | |
f) Directors' fees, allowances and expenses | 29 | 21 | 14 | 5 | 12 | 2 | |
g) Auditors' fees and expenses | 241 | 255 | 302 | 326 | 172 | 233 | |
h) Law charges | 58 | 72 | 153 | 113 | 37 | 60 | |
i) Postage, telegrams, telephones, etc. | 352 | 414 | 256 | 292 | 181 | 211 | |
j) Repairs and maintenance | 321 | 319 | 260 | 307 | 129 | 106 | |
k) Insurance | 790 | 898 | 834 | 1019 | 642 | 678 | |
l) Other expenditure | 2920 | 3604 | 4491 | 4719 | 4381 | 4104 | |
V. | Provisions and contingencies | 5293 | 11758 | 14019 | 18078 | 7260 | 10775 |
Total expenses@ | 175218 | 195885 | 204957 | 235864 | 118890 | 133397 | |
VI. | Profit (loss) | 3136 | 1914 | 3664 | 3300 | 5284 | 7073 |
Total (III+IV+V+VI) | 183647 | 209557 | 222641 | 257241 | 131434 | 151245 | |
Notes |
@: Excluding 'Provisions and Contingencies'. |
1. Figures in brackets indicate loss. |
Source : Annual accounts of banks of respective years. |