Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 5 of 26) - આરબીઆઈ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial
Banks - 1996-97 (Part 5 of 26)
OTHER SCHEDULED COMMERCIAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||||
Items |
Ganesh Bank of |
Global Trust |
HDFC Bank |
ICICI Bank |
||||||||||
Kurundwad |
Bank |
|
|
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(25) |
(26) |
|
(27) |
(28) |
|
(29) |
(30) |
|
(31) |
(32) |
Income |
||||||||||||||
I. |
Interest earned |
585 |
850 |
17100 |
35683 |
11556 |
16174 |
11613 |
18268 |
|||||
a) |
Interest/discount on advances/bills |
452 |
638 |
13836 |
28519 |
4099 |
9209 |
7034 |
13406 |
|||||
b) |
Income on investments |
133 |
195 |
3000 |
6847 |
4290 |
6195 |
4004 |
4228 |
|||||
c) |
Interest on balances with RBI and other |
- |
- |
179 |
199 |
3159 |
713 |
576 |
287 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
17 |
85 |
118 |
8 |
57 |
- |
348 |
|||||
II. |
Other income |
73 |
67 |
5417 |
9014 |
1353 |
3159 |
1973 |
4262 |
|||||
a) |
Commission, exchange, brokerage, etc. |
28 |
27 |
4040 |
4542 |
730 |
2099 |
923 |
1485 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
(1) |
206 |
938 |
145 |
454 |
508 |
1316 |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
19 |
19 |
- |
1 |
(422) |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
- |
- |
- |
- |
- |
(4) |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
408 |
1682 |
440 |
604 |
796 |
860 |
|||||
f) |
Miscellaneous income |
45 |
41 |
|
764 |
1833 |
|
38 |
1 |
|
168 |
604 |
||
|
Total (I+II) |
|
658 |
918 |
|
22517 |
44697 |
|
12909 |
19333 |
|
13586 |
22530 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
427 |
591 |
13595 |
28976 |
7084 |
8718 |
8492 |
11709 |
|||||
a) |
Interest on deposits |
372 |
542 |
9968 |
25126 |
5923 |
7111 |
5496 |
9717 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
55 |
49 |
3589 |
3583 |
1161 |
1607 |
932 |
540 |
|||||
c) |
Others |
- |
- |
38 |
267 |
- |
- |
2063 |
1451 |
|||||
IV. |
Operating expenses |
153 |
216 |
2772 |
5335 |
2267 |
4218 |
2745 |
4049 |
|||||
a) |
Payments to and provisions for employees |
94 |
122 |
366 |
626 |
468 |
1019 |
449 |
617 |
|||||
b) |
Rent, taxes and lighting |
5 |
9 |
390 |
694 |
716 |
978 |
246 |
488 |
|||||
c) |
Printing and stationery |
6 |
8 |
142 |
122 |
140 |
266 |
53 |
120 |
|||||
d) |
Advertisement and publicity |
- |
1 |
199 |
180 |
58 |
231 |
31 |
81 |
|||||
e) |
Depreciation on Bank's property |
13 |
21 |
637 |
1959 |
158 |
628 |
451 |
824 |
|||||
f) |
Directors' fees, allowances and expenses |
1 |
1 |
1 |
3 |
2 |
1 |
3 |
2 |
|||||
g) |
Auditors' fees and expenses |
- |
- |
6 |
15 |
8 |
8 |
7 |
7 |
|||||
h) |
Law charges |
1 |
2 |
152 |
41 |
3 |
5 |
3 |
37 |
|||||
i) |
Postage, telegrams, telephones, etc. |
6 |
7 |
138 |
266 |
167 |
333 |
60 |
126 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
78 |
138 |
65 |
238 |
172 |
252 |
|||||
k) |
Insurance |
2 |
4 |
16 |
161 |
56 |
62 |
42 |
66 |
|||||
l) |
Other expenditure |
25 |
40 |
647 |
1130 |
426 |
449 |
1230 |
1428 |
|||||
V. |
Provisions and contingencies |
67 |
84 |
2114 |
4646 |
1027 |
2347 |
698 |
2760 |
|||||
Total expenses |
647 |
891 |
18481 |
38957 |
10377 |
15283 |
11934 |
18518 |
||||||
VI. |
Profit (loss) |
11 |
26 |
|
4036 |
5740 |
|
2532 |
4050 |
|
1652 |
4013 |
||
Total (III+IV+V+VI) |
|
658 |
918 |
|
22517 |
44697 |
|
12909 |
19333 |
|
13586 |
22530 |
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(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
IDBI Bank |
IndusInd Bank |
Jammu & Kashmir Bank |
Karnataka Bank |
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(33) |
(34) |
|
(35) |
(36) |
|
(37) |
(38) |
|
(39) |
(40) |
Income |
||||||||||||||
I. |
Interest earned |
N |
4388 |
19122 |
40930 |
32168 |
39958 |
22376 |
33567 |
|||||
a) |
Interest/discount on advances/bills |
o |
2875 |
14031 |
30191 |
15369 |
21557 |
15099 |
21990 |
|||||
b) |
Income on investments |
t |
1151 |
4206 |
10069 |
13053 |
15647 |
6128 |
10003 |
|||||
c) |
Interest on balances with RBI and other |
359 |
886 |
670 |
3747 |
2754 |
1149 |
1322 |
||||||
inter-bank funds |
A |
|||||||||||||
d) |
Others |
v |
3 |
- |
- |
- |
- |
- |
252 |
|||||
a |
||||||||||||||
II. |
Other income |
i |
605 |
3655 |
8187 |
2589 |
2974 |
3157 |
3661 |
|||||
a) |
Commission, exchange, brokerage, etc. |
l |
397 |
1771 |
3149 |
1094 |
1136 |
1754 |
2099 |
|||||
b) |
Net profit (loss) on sale of investments |
a |
147 |
(51) |
1111 |
608 |
252 |
13 |
356 |
|||||
c) |
Net profit (loss) on revaluation of investments |
b |
- |
- |
- |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
l |
- |
- |
(13) |
- |
- |
7 |
3 |
|||||
& other assets |
e |
|||||||||||||
e) |
Net profit (loss) on exchange transaction |
36 |
627 |
1097 |
224 |
357 |
589 |
648 |
||||||
f) |
Miscellaneous income |
|
25 |
|
1308 |
2843 |
|
663 |
1228 |
|
794 |
553 |
||
|
Total (I+II) |
|
|
4993 |
|
22777 |
49117 |
|
34757 |
42932 |
|
25533 |
37227 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
1962 |
13420 |
31008 |
18120 |
25232 |
14596 |
21660 |
||||||
a) |
Interest on deposits |
1623 |
8145 |
23041 |
17355 |
25030 |
12938 |
20196 |
||||||
b) |
Interest on RBI/inter-bank borrowings |
333 |
1567 |
1078 |
193 |
47 |
746 |
294 |
||||||
c) |
Others |
5 |
3708 |
6889 |
573 |
154 |
912 |
1170 |
||||||
IV. |
Operating expenses |
2167 |
2750 |
5615 |
6878 |
7778 |
5523 |
7165 |
||||||
a) |
Payments to and provisions for employees |
335 |
223 |
424 |
4715 |
5427 |
4163 |
5092 |
||||||
b) |
Rent, taxes and lighting |
253 |
465 |
1039 |
421 |
485 |
317 |
440 |
||||||
c) |
Printing and stationery |
43 |
57 |
102 |
97 |
185 |
82 |
110 |
||||||
d) |
Advertisement and publicity |
185 |
119 |
125 |
53 |
51 |
15 |
26 |
||||||
e) |
Depreciation on Bank's property |
104 |
655 |
1339 |
231 |
303 |
186 |
407 |
||||||
f) |
Directors' fees, allowances and expenses |
1 |
3 |
9 |
3 |
3 |
5 |
7 |
||||||
g) |
Auditors' fees and expenses |
3 |
7 |
13 |
36 |
40 |
7 |
12 |
||||||
h) |
Law charges |
5 |
2 |
1 |
14 |
14 |
4 |
5 |
||||||
i) |
Postage, telegrams, telephones, etc. |
122 |
120 |
257 |
129 |
148 |
64 |
84 |
||||||
j) |
Repairs and maintenance |
42 |
35 |
94 |
22 |
37 |
39 |
63 |
||||||
k) |
Insurance |
20 |
55 |
124 |
162 |
167 |
92 |
120 |
||||||
l) |
Other expenditure |
1055 |
1010 |
2087 |
995 |
918 |
548 |
798 |
||||||
V. |
Provisions and contingencies |
497 |
2044 |
5163 |
7919 |
7422 |
2890 |
4331 |
||||||
Total expenses |
4626 |
18214 |
41785 |
32917 |
40432 |
23008 |
33156 |
|||||||
VI. |
Profit (loss) |
|
367 |
|
4563 |
7332 |
|
1840 |
2500 |
|
2525 |
4071 |
||
Total (III+IV+V+VI) |
|
|
4993 |
|
22777 |
49117 |
|
34757 |
42932 |
|
25533 |
37227 |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Karur Vysya Bank |
Lakshmi Vilas Bank |
Lord Krishna Bank |
Nainital Bank |
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(41) |
(42) |
|
(43) |
(44) |
|
(45) |
(46) |
|
(47) |
(48) |
Income |
||||||||||||||
I. |
Interest earned |
17349 |
22031 |
12101 |
14603 |
5063 |
8005 |
2275 |
3016 |
|||||
a) |
Interest/discount on advances/bills |
11979 |
15032 |
7192 |
9203 |
3801 |
6129 |
970 |
1131 |
|||||
b) |
Income on investments |
4949 |
6331 |
4387 |
4737 |
1116 |
1690 |
806 |
1191 |
|||||
c) |
Interest on balances with RBI and other |
376 |
579 |
447 |
469 |
127 |
150 |
476 |
683 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
45 |
89 |
75 |
195 |
18 |
37 |
23 |
12 |
|||||
II. |
Other income |
3580 |
3296 |
2594 |
2754 |
495 |
1084 |
120 |
141 |
|||||
a) |
Commission, exchange, brokerage, etc. |
1839 |
2139 |
1961 |
1988 |
253 |
632 |
89 |
105 |
|||||
b) |
Net profit (loss) on sale of investments |
111 |
(285) |
(200) |
34 |
2 |
- |
3 |
2 |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
- |
26 |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
5 |
4 |
5 |
3 |
1 |
2 |
1 |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
432 |
317 |
452 |
220 |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
1193 |
1120 |
|
377 |
484 |
|
239 |
450 |
|
27 |
34 |
||
|
Total (I+II) |
|
20929 |
25327 |
|
14696 |
17357 |
|
5558 |
9089 |
|
2395 |
3158 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
12233 |
14345 |
8391 |
10472 |
3320 |
6229 |
1331 |
1797 |
|||||
a) |
Interest on deposits |
10028 |
13034 |
7283 |
9589 |
2976 |
5710 |
1322 |
1793 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
1996 |
795 |
682 |
137 |
4 |
9 |
1 |
1 |
|||||
c) |
Others |
208 |
515 |
426 |
746 |
341 |
511 |
8 |
4 |
|||||
IV. |
Operating expenses |
4368 |
5170 |
3922 |
4618 |
979 |
1261 |
855 |
922 |
|||||
a) |
Payments to and provisions for employees |
2597 |
2823 |
2282 |
2553 |
582 |
611 |
647 |
657 |
|||||
b) |
Rent, taxes and lighting |
184 |
232 |
357 |
243 |
72 |
119 |
62 |
77 |
|||||
c) |
Printing and stationery |
100 |
110 |
74 |
78 |
19 |
20 |
7 |
17 |
|||||
d) |
Advertisement and publicity |
144 |
199 |
70 |
64 |
37 |
45 |
3 |
4 |
|||||
e) |
Depreciation on Bank's property |
734 |
1088 |
478 |
707 |
73 |
189 |
14 |
17 |
|||||
f) |
Directors' fees, allowances and expenses |
6 |
9 |
1 |
1 |
2 |
3 |
1 |
2 |
|||||
g) |
Auditors' fees and expenses |
5 |
6 |
3 |
6 |
1 |
2 |
2 |
3 |
|||||
h) |
Law charges |
3 |
2 |
2 |
4 |
1 |
1 |
5 |
18 |
|||||
i) |
Postage, telegrams, telephones, etc. |
179 |
213 |
125 |
133 |
24 |
35 |
12 |
16 |
|||||
j) |
Repairs and maintenance |
44 |
78 |
8 |
27 |
5 |
13 |
5 |
6 |
|||||
k) |
Insurance |
59 |
68 |
43 |
54 |
17 |
28 |
46 |
41 |
|||||
l) |
Other expenditure |
313 |
342 |
478 |
748 |
146 |
197 |
51 |
67 |
|||||
V. |
Provisions and contingencies |
1104 |
2207 |
1383 |
402 |
539 |
1042 |
146 |
365 |
|||||
Total expenses |
17705 |
21721 |
13696 |
15491 |
4839 |
8532 |
2332 |
3084 |
||||||
VI. |
Profit (loss) |
3224 |
3606 |
|
1000 |
1865 |
|
719 |
557 |
|
63 |
73 |
||
Total (III+IV+V+VI) |
|
20929 |
25327 |
|
14696 |
17357 |
|
5558 |
9089 |
|
2395 |
3158 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |