B2 : Earnings and Expenses Of Scheduled Commercial Banks : 2003-04 and 2004-05 (Part 3 of 3)

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এই তারিখে প্রকাশিত অক্টোবর 14, 2005

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B2 : Earnings and Expenses Of Scheduled Commercial Banks : 2003-04 and 2004-05 (Part 3 of 3)

			(Amount in Rs. lakh)

			As on March 31

			Bank	of	Bank of		Bharat	Overseas	Catholic	Syrian
			Punjab		Rajasthan		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I.	Interest Earned		33994	32859	50287	52236	19848	21872	35715	36819
	a)	Interest/discount on advances/bills	17981	20000	19735	22898	10520	11847	17244	20875
	b)	Income on Investments	14700	10894	28111	24939	8291	8072	17290	14229
	c)	Interest on balances with	1313	1865	2426	4203	976	1220	1178	1503
		RBI and other inter-bank funds
	d)	Others	—	100	15	196	61	733	3	212

II.	Other income		13242	6906	17701	6376	3164	1928	11882	4627
	a)	Commission, exchange and brokerage	2371	4549	2219	2775	855	840	1359	1579
	b)	Net Profit (loss) on sale of investments	6675	(2178)	12804	782	1388	(552)	9136	1781
	c)	Net Profit (loss) on revaluation of	—	(1572)	—	—	—	—	(11)	(910)
		investments
	d)	Net Profit (loss) on sale of land, building &	(93)	(20)	(5)	(13)	10	7	3	(3)
		other assets
	e)	Net Profit (loss) on exchange transaction	1902	1130	477	613	404	510	439	585
	f)	Miscellaneous income	2387	4997	2206	2219	507	1123	956	1595

	Total (I+II)		47236	39765	67988	58612	23012	23800	47597	41446

Expenditure & Provisions
III.	Interest expended		21181	19367	31302	30891	11316	11370	23494	22200
	a)	Interest on deposits	19247	17714	30863	29983	10992	10678	22911	21610
	b)	Interest on RBI/inter-bank borrowings	580	299	93	169	185	289	21	13
	c)	Others	1354	1354	346	739	139	403	562	577

IV.	Operating expenses		15760	18452	18157	19474	6013	6998	11778	11388
	a)	Payments to and provisions for employees	2081	2886	11623	12066	2765	3135	8492	7657
	b)	Rent, taxes and lighting	2537	2787	1429	1735	922	1069	1005	1139
	c)	Printing and stationery	687	708	263	269	69	101	196	212
	d)	Advertisement and publicity	825	642	105	242	80	111	70	50
	e)	Depreciation on Bank’s property	3169	3206	1185	1237	722	792	491	549
	f)	Directors’ fees, allowances and expenses	50	64	21	19	17	14	29	35
	g)	Auditors’ fees and expenses	80	93	43	48	20	33	26	32
	h)	Law charges	32	17	476	310	60	46	79	89
	i)	Postage, telegrams, telephones, etc.	527	662	484	548	195	205	157	177
	j)	Repairs and maintenance	1441	1578	462	496	76	77	139	223
	k)	Insurance	294	406	300	501	144	197	207	347
	l)	Other expenditure	4037	5403	1766	2003	943	1218	887	878

V.	Provisions and contingencies		6593	8072	11626	4744	2175	3427	6677	6792

	Total expenses @		36941	37819	49459	50365	17329	18368	35272	33588

VI.	Profit (loss)		3702	(6126)	6903	3503	3508	2005	5648	1066

	Total (III+IV+V+VI)		47236	39765	67988	58612	23012	23800	47597	41446
Notes @:Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Centurion		City	Union	Development Credit		Dhanalakshmi
			Bank		Bank		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I.	Interest Earned		33379	34609	27618	29067	35248	30322	19107	19216
	a)	Interest/discount on advances/bills	20247	26815	15827	18552	21016	17659	11453	12343
	b)	Income on Investments	8393	5412	11478	10067	11277	10038	7091	6289
	c)	Interest on balances with	2679	1070	313	448	2496	2625	543	584
		RBI and other inter-bank funds
	d)	Others	2060	1312	—	—	459	—	20	—

II.	Other income		6298	6446	6649	3344	8835	9128	5818	1471
	a)	Commission, exchange and brokerage	3734	5827	1654	1492	2932	3686	1082	936
	b)	Net Profit (loss) on sale of investments	1389	(706)	3482	(655)	2957	1555	3805	(694)
	c)	Net Profit (loss) on revaluation of	—	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	(33)	(156)	(1)	2	7	(11)	3	32
		other assets
	e)	Net Profit (loss) on exchange transaction	599	446	288	419	1079	1009	230	205
	f)	Miscellaneous income	609	1035	1226	2086	1860	2889	698	992

	Total (I+II)		39677	41055	34267	32411	44083	39450	24925	20687

Expenditure & Provisions
III.	Interest expended		20382	16821	17993	17983	25687	23352	12169	11906
	a)	Interest on deposits	18079	14613	17907	17920	22774	20529	11656	11404
	b)	Interest on RBI/inter-bank borrowings	243	408	56	57	1325	1886	51	14
	c)	Others	2060	1800	30	6	1588	937	462	488

IV.	Operating expenses		18082	21918	4495	6261	13002	16511	6061	6936
	a)	Payments to and provisions for employees	3129	4270	2496	3094	5537	5434	3837	4176
	b)	Rent, taxes and lighting	1690	1927	428	477	1236	2065	636	808
	c)	Printing and stationery	518	594	101	114	357	335	114	113
	d)	Advertisement and publicity	415	772	140	197	414	311	165	95
	e)	Depreciation on Bank’s property	3614	2973	254	307	1299	1269	473	609
	f)	Directors’ fees, allowances and expenses	5	8	14	15	69	118	20	27
	g)	Auditors’ fees and expenses	16	17	11	13	32	41	19	23
	h)	Law charges	196	130	1	10	84	173	35	77
	i)	Postage, telegrams, telephones, etc.	583	721	152	134	441	406	83	205
	j)	Repairs and maintenance	1433	1388	73	82	270	280	75	58
	k)	Insurance	229	308	166	266	154	285	93	169
	l)	Other expenditure	6254	8810	659	1552	3109	5794	511	576

V.	Provisions and contingencies		11727	(195)	6076	3535	3660	15879	4947	4005

	Total expenses @		38464	38739	22488	24244	38689	39863	18230	18842

VI.	Profit (loss)		(10514)	2511	5703	4632	1734	(16292)	1748	(2160)

	Total (III+IV+V+VI)		39677	41055	34267	32411	44083	39450	24925	20687
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

								(Amount in		Rs. lakh)

						As on March 31

			Federal		Ganesh	Bank of	Global	Trust	HDFC
			Bank		Kurundwad		Bank	#	Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

Income
I.	Interest Earned		119206	119103	1841	1814	35419		254893	309349
	a)	Interest/discount on advances/bills	71428	77276	1174	1170	24298		110866	166370
	b)	Income on Investments	43666	37898	504	556	9367		132222	130636
	c)	Interest on balances with	3042	2772	18	17	1147		11096	11403
		RBI and other inter-bank funds
	d)	Others	1070	1157	145	71	607		709	940

II.	Other income		29786	21198	448	(70)	16106		48003	65134
	a)	Commission, exchange and brokerage	5920	6566	53	54	4281		32035	60496
	b)	Net Profit (loss) on sale of investments	17442	6462	357	—	5695		3778	(7974)
	c)	Net Profit (loss) on revaluation of	(107)	(976)	—	(164)	88		(1091)	1398
		investments
	d)	Net Profit (loss) on sale of land, building &	6	8	(1)	(1)	1290		(45)	21
		other assets
	e)	Net Profit (loss) on exchange transaction	1877	2766	—	—	1832		7400	9117
	f)	Miscellaneous income	4648	6372	39	41	2920		5926	2076

	Total (I+II)		148992	140301	2289	1744	51525		302896	374483

Expenditure & Provisions
III.	Interest expended		77029	68874	1589	1495	43514		121105	131556
	a)	Interest on deposits	72305	65680	1587	1494	38152		103829	110764
	b)	Interest on RBI/inter-bank borrowings	170	122	2	1	102		14362	16616
	c)	Others	4554	3072	—	—	5260		2914	4176

IV.	Operating expenses		28290	31386	501	520	15891		81000	108540
	a)	Payments to and provisions for employees	17825	18578	305	311	3723		20409	27667
	b)	Rent, taxes and lighting	2526	3195	24	26	2861		9844	11977
	c)	Printing and stationery	370	425	11	4	380		3748	4637
	d)	Advertisement and publicity	356	372	1	1	242		3706	5495
	e)	Depreciation on Bank’s property	2410	2744	76	77	3515		12572	14407
	f)	Directors’ fees, allowances and expenses	31	29	2	1	10		12	15
	g)	Auditors’ fees and expenses	200	286	1	1	69		49	72
	h)	Law charges	213	281	13	23	71		125	244
	i)	Postage, telegrams, telephones, etc.	377	431	12	12	860		7700	10155
	j)	Repairs and maintenance	587	877	3	7	943		6617	7276
	k)	Insurance	627	1075	8	18	416		1790	3321
	l)	Other expenditure	2768	3093	45	39	2801		14428	23274

V.	Provisions and contingencies		30044	31031	62	325	73359		49841	67831

	Total expenses @		105319	100260	2090	2015	59405		202105	240096

VI.	Profit (loss)		13629	9010	137	(596)	(81239)		50950	66556

	Total (III+IV+V+VI)		148992	140301	2289	1744	51525		302896	374483
Notes @:Excluding ‘Provisions and Contingencies’. #:See ‘Explanatory Notes’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			ICICI		IDBI		IndusInd		ING	Vysya
			Bank		Bank #		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

Income
I.	Interest Earned		889403	940990	73677		98615	113440	92416	99057
	a)	Interest/discount on advances/bills	607385	675283	48773		69694	81136	55872	64678
	b)	Income on Investments	243174	222944	22905		26034	30636	27078	25865
	c)	Interest on balances with	21063	23201	953		2848	1189	3790	2584
		RBI and other inter-bank funds
	d)	Others	17781	19562	1046		39	479	5676	5930

II.	Other income		306492	341615	21025		34494	25074	36326	12051
	a)	Commission, exchange and brokerage	107180	192100	12686		2103	3153	10949	11531
	b)	Net Profit (loss) on sale of investments	122463	54605	2687		22683	5795	18478	(4820)
	c)	Net Profit (loss) on revaluation of	—	—	—		—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	(320)	(208)	(6)		(645)	(633)	54	92
		other assets
	e)	Net Profit (loss) on exchange transaction	19263	31464	2007		1114	1431	1820	2420
	f)	Miscellaneous income	57906	63654	3651		9239	15328	5025	2828

	Total (I+II)		1195895	1282605	94702		133109	138514	128742	111108

Expenditure & Provisions
III.	Interest expended		701525	657089	40572		66925	71890	68006	63382
	a)	Interest on deposits	302302	325207	29627		49992	57024	57914	51623
	b)	Interest on RBI/inter-bank borrowings	22937	25277	5912		9331	11100	1056	2066
	c)	Others	376286	306605	5033		7602	3766	9036	9693

IV.	Operating expenses		257123	329914	25658		21713	26503	34556	37793
	a)	Payments to and provisions for employees	54606	73741	6780		5037	6016	16755	17611
	b)	Rent, taxes and lighting	14925	18533	2872		2078	2488	2728	2836
	c)	Printing and stationery	8610	8766	850		548	755	700	780
	d)	Advertisement and publicity	6868	11626	584		595	581	680	583
	e)	Depreciation on Bank’s property	53944	59036	2842		3672	4487	4083	3674
	f)	Directors’ fees, allowances and expenses	36	39	11		53	48	54	41
	g)	Auditors’ fees and expenses	168	176	25		84	67	80	127
	h)	Law charges	869	971	63		1124	913	107	112
	i)	Postage, telegrams, telephones, etc.	14150	17363	1815		1464	1903	1254	1347
	j)	Repairs and maintenance	18957	21595	1478		1455	1885	1846	1963
	k)	Insurance	3350	5972	552		506	921	740	1205
	l)	Other expenditure	80640	112096	7786		5097	6439	5529	7514

V.	Provisions and contingencies		73538	95080	15226		18262	19109	20280	13751

	Total expenses @		958648	987003	66230		88638	98393	102562	101175

VI.	Profit (loss)		163709	200522	13246		26209	21012	5900	(3818)

	Total (III+IV+V+VI)		1195895	1282605	94702		133109	138514	128742	111108
Notes @:Excluding ‘Provisions and Contingencies’. #:See ‘Explanatory Notes’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.


								(Amount in Rs. lakh)

						As on March 31

			Jammu &		Karnataka		Karur	Vysya	Kotak Mahindra
			Kashmir Bank		Bank		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

Income
I.	Interest Earned		152125	154923	84845	83993	64763	59076	28843	42031
	a)	Interest/discount on advances/bills	82115	87553	41682	45920	36101	38574	21053	31987
	b)	Income on Investments	66419	64545	40516	35682	26593	18988	7208	9095
	c)	Interest on balances with	3591	2825	1833	2022	2004	1514	506	880
		RBI and other inter-bank funds
	d)	Others	—	—	814	369	65	—	76	69

II.	Other income		30170	8203	27028	22115	7425	11315	9549	13207
	a)	Commission, exchange and brokerage	4110	4940	5325	6051	5561	5883	937	3609
	b)	Net Profit (loss) on sale of investments	22646	(1381)	19631	13787	68	2756	3020	1384
	c)	Net Profit (loss) on revaluation of	—	—	—	—	—	—	(197)	(6)
		investments
	d)	Net Profit (loss) on sale of land, building &	—	—	(18)	(30)	(3)	4	65	59
		other assets
	e)	Net Profit (loss) on exchange transaction	524	662	1398	1455	877	1030	552	108
	f)	Miscellaneous income	2890	3982	692	852	922	1642	5172	8053

	Total (I+II)		182295	163126	111873	106108	72188	70391	38392	55238

Expenditure & Provisions
III.	Interest expended		90136	95299	63477	52305	35042	33407	11784	19482
	a)	Interest on deposits	87618	92917	62233	51479	33312	32294	5349	16153
	b)	Interest on RBI/inter-bank borrowings	1496	1360	727	243	1160	779	2021	1901
	c)	Others	1022	1022	517	583	570	334	4414	1428

IV.	Operating expenses		29317	32280	15416	19732	15690	17062	13955	22449
	a)	Payments to and provisions for employees	16838	17882	9405	12516	7887	7636	4414	8513
	b)	Rent, taxes and lighting	2127	2205	1273	1427	929	1094	862	1753
	c)	Printing and stationery	127	406	213	213	223	225	325	482
	d)	Advertisement and publicity	517	453	223	143	337	834	759	1170
	e)	Depreciation on Bank’s property	3680	4342	1685	1793	1465	1951	1605	2346
	f)	Directors’ fees, allowances and expenses	21	26	19	19	28	33	3	7
	g)	Auditors’ fees and expenses	247	288	42	45	26	29	32	43
	h)	Law charges	59	70	37	96	358	69	42	126
	i)	Postage, telegrams, telephones, etc.	457	432	210	177	637	904	738	970
	j)	Repairs and maintenance	263	326	514	627	250	283	537	814
	k)	Insurance	710	1180	362	770	287	520	153	432
	l)	Other expenditure	4271	4670	1433	1906	3263	3484	4485	5793

V.	Provisions and contingencies		22209	24040	19662	19356	5351	9389	4779	4817

	Total expenses @		119453	127579	78893	72037	50732	50469	25739	41931

VI.	Profit (loss)		40633	11507	13318	14715	16105	10533	7874	8490

	Total (III+IV+V+VI)		182295	163126	111873	106108	72188	70391	38392	55238
Notes @:Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.


			(Amount in Rs. lakh)

			As on March 31

			Lakshmi	Vilas	Lord	Krishna	Nainital		Ratnakar
			Bank		Bank		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)

Income
I.	Interest Earned		28596	29820	16642	19507	7009	7355	6517	6555
	a)	Interest/discount on advances/bills	18057	18685	8748	11773	2331	3227	3863	3948
	b)	Income on Investments	10100	10755	7033	7160	3684	3388	2229	2399
	c)	Interest on balances with	392	326	684	413	990	736	407	147
		RBI and other inter-bank funds
	d)	Others	47	54	177	161	4	4	18	61

II.	Other income		8686	3834	6808	115	1307	942	1186	501
	a)	Commission, exchange and brokerage	2742	2883	898	994	175	204	216	240
	b)	Net Profit (loss) on sale of investments	2400	(747)	4176	(2753)	946	527	817	82
	c)	Net Profit (loss) on revaluation of	—	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	(4)	3	7	(9)	—	—	(1)	12
		other assets
	e)	Net Profit (loss) on exchange transaction	431	506	301	434	—	—	—	—
	f)	Miscellaneous income	3117	1189	1426	1449	186	211	154	167

	Total (I+II)		37282	33654	23450	19622	8316	8297	7703	7056

Expenditure & Provisions
III.	Interest expended		20252	19154	13252	13834	3701	3648	4289	3875
	a)	Interest on deposits	19238	18035	12892	13114	3697	3647	4262	3862
	b)	Interest on RBI/inter-bank borrowings	313	183	28	56	2	1	17	13
	c)	Others	701	936	332	664	2	—	10	—

IV.	Operating expenses		7930	9028	5368	5893	2553	2538	2023	2223
	a)	Payments to and provisions for employees	4627	4717	2077	2468	1954	1767	1228	1323
	b)	Rent, taxes and lighting	673	734	965	1189	166	194	268	293
	c)	Printing and stationery	138	123	63	103	27	36	32	36
	d)	Advertisement and publicity	83	80	279	159	7	8	8	5
	e)	Depreciation on Bank’s property	496	608	528	281	99	146	254	264
	f)	Directors’ fees, allowances and expenses	20	17	6	7	3	4	6	6
	g)	Auditors’ fees and expenses	18	17	28	39	10	13	4	5
	h)	Law charges	150	67	40	43	14	7	10	32
	i)	Postage, telegrams, telephones, etc.	261	265	165	190	41	45	36	41
	j)	Repairs and maintenance	41	41	87	115	22	21	21	28
	k)	Insurance	132	280	89	188	36	60	32	58
	l)	Other expenditure	1291	2079	1041	1111	174	237	124	132

V.	Provisions and contingencies		4995	5137	2195	2336	840	977	546	1900

	Total expenses @		28182	28182	18620	19727	6254	6186	6312	6098

VI.	Profit (loss)		4105	335	2635	(2441)	1222	1134	845	(942)

	Total (III+IV+V+VI)		37282	33654	23450	19622	8316	8297	7703	7056
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Sangli		SBI Commercial &		South	Indian	Tamilnad
			Bank #		Intl.	Bank	Bank		Mercantile Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)

Income
I.	Interest Earned		13484		3953	2584	68029	70900	53766	51270
	a)	Interest/discount on advances/bills	4977		1738	879	35807	43756	23328	24787
	b)	Income on Investments	6693		1126	824	30919	25762	26354	24334
	c)	Interest on balances with	1175		1085	880	1303	1382	526	685
		RBI and other inter-bank funds
	d)	Others	639		4	1	—	—	3558	1464

II.	Other income		3043		2046	927	23514	10238	6790	6795
	a)	Commission, exchange and brokerage	474		142	165	2017	2145	3327	3035
	b)	Net Profit (loss) on sale of investments	2321		386	(61)	18731	3708	987	717
	c)	Net Profit (loss) on revaluation of	—		—	—	—	(578)	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	—		—	3	(7)	13	(7)	2
		other assets
	e)	Net Profit (loss) on exchange transaction	57		50	52	932	1074	712	860
	f)	Miscellaneous income	191		1468	768	1841	3876	1771	2181

	Total (I+II)		16527		5999	3511	91543	81138	60556	58065

Expenditure & Provisions
III.	Interest expended		8244		2604	1653	48005	45207	32196	28157
	a)	Interest on deposits	8218		2596	1616	46548	43616	27980	26467
	b)	Interest on RBI/inter-bank borrowings	19		3	22	33	79	79	64
	c)	Others	7		5	15	1424	1512	4137	1626

IV.	Operating expenses		5480		796	766	19341	18708	11371	12489
	a)	Payments to and provisions for employees	4080		303	309	13072	11852	6457	7302
	b)	Rent, taxes and lighting	369		127	110	1395	1524	931	987
	c)	Printing and stationery	41		9	9	574	521	265	225
	d)	Advertisement and publicity	9		2	4	239	218	148	170
	e)	Depreciation on Bank’s property	308		105	104	1027	1241	905	1087
	f)	Directors’ fees, allowances and expenses	2		6	6	17	20	23	31
	g)	Auditors’ fees and expenses	14		3	3	47	50	29	30
	h)	Law charges	47		25	32	187	116	34	25
	i)	Postage, telegrams, telephones, etc.	71		7	9	548	549	217	350
	j)	Repairs and maintenance	107		24	25	332	387	433	424
	k)	Insurance	77		43	47	385	651	168	349
	l)	Other expenditure	355		142	108	1518	1579	1761	1509

V.	Provisions and contingencies		1590		801	2094	15765	16353	8921	9186

	Total expenses @		13724		3400	2419	67346	63915	43567	40646

VI.	Profit (loss)		1213		1798	(1002)	8432	870	8068	8233

	Total (III+IV+V+VI)		16527		5999	3511	91543	81138	60556	58065
Notes @:Excluding ‘Provisions and Contingencies’. #:See ‘Explanatory Notes’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			United	Western	UTI		Yes
			Bank		Bank		Bank	#
		Items
			2004	2005	2004	2005	2004	2005

			(57)	(58)	(59)	(60)	(61)	(62)

Income
I.	Interest Earned		46273	48662	158671	192416		2997
	a)	Interest/discount on advances/bills	27087	30318	76752	97877		2311
	b)	Income on Investments	17878	16858	63890	78687		624
	c)	Interest on balances with	1202	848	3295	3204		52
		RBI and other inter-bank funds
	d)	Others	106	638	14734	12648		10

II.	Other income		13316	6578	54015	41582		1817
	a)	Commission, exchange and brokerage	2742	2818	18241	33052		780
	b)	Net Profit (loss) on sale of investments	7605	190	32084	(1134)		260
	c)	Net Profit (loss) on revaluation of	—	—	—	—		(1)
		investments
	d)	Net Profit (loss) on sale of land, building &	(1)	(6)	(149)	(239)		—
		other assets
	e)	Net Profit (loss) on exchange transaction	856	1036	2758	4873		702
	f)	Miscellaneous income	2114	2540	1081	5030		76

	Total (I+II)		59589	55240	212686	233998		4814

Expenditure & Provisions
III.	Interest expended		34088	34009	102145	119298		1185
	a)	Interest on deposits	32114	32220	93441	106957		890
	b)	Interest on RBI/inter-bank borrowings	369	302	1943	1257		295
	c)	Others	1605	1487	6761	11084		—

IV.	Operating expenses		12221	12889	41921	58136		3997
	a)	Payments to and provisions for employees	7570	7590	12125	17685		2127
	b)	Rent, taxes and lighting	888	1116	6580	8690		274
	c)	Printing and stationery	199	211	1587	1917		45
	d)	Advertisement and publicity	150	126	1081	1147		248
	e)	Depreciation on Bank’s property	1435	1453	6189	8158		125
	f)	Directors’ fees, allowances and expenses	13	25	32	54		10
	g)	Auditors’ fees and expenses	58	62	39	40		11
	h)	Law charges	151	130	220	232		102
	i)	Postage, telegrams, telephones, etc.	221	277	2304	3058		49
	j)	Repairs and maintenance	118	408	4671	7414		43
	k)	Insurance	251	454	1154	2196		18
	l)	Other expenditure	1167	1037	5939	7545		945

V.	Provisions and contingencies		10184	18206	40789	23104		11

	Total expenses @		46309	46898	144066	177434		5182

VI.	Profit (loss)		3096	(9864)	27831	33460		(379)

	Total (III+IV+V+VI)		59589	55240	212686	233998		4814
Notes @:Excluding ‘Provisions and Contingencies’. #:See ‘Explanatory Notes’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.