Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 1 of 7) - આરબીઆઈ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 1 of 7)
STATE BANK OF INDIA AND ITS ASSOCIATES |
(Amount in Rs. lakh) |
For the year ended 31st March |
||||||||||
State Bank of |
State Bank of Bikaner |
State Bank of |
State Bank of |
|||||||
Items |
India |
and Jaipur |
Hyderabad |
Indore |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
||||||||||
I. |
Interest Earned |
1587889 |
1910754 |
85083 |
96385 |
103455 |
122577 |
40732 |
49476 |
|
a) |
Interest/discount on advances/bills |
782912 |
858138 |
45702 |
46039 |
56790 |
62227 |
23418 |
26155 |
|
b) |
Income on investments |
639162 |
758531 |
33124 |
42045 |
42126 |
54828 |
15752 |
19478 |
|
c) |
Interest on balances with |
63155 |
110081 |
2436 |
3799 |
3458 |
4591 |
1328 |
1620 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
102660 |
184004 |
3821 |
4502 |
1081 |
931 |
233 |
2223 |
|
II. |
Other income |
282017 |
328469 |
16265 |
16359 |
17029 |
19029 |
7259 |
8875 |
|
a) |
Commission, exchange and brokerage |
203777 |
237869 |
12378 |
13633 |
12656 |
14840 |
5133 |
6314 |
|
b) |
Net profit on sale of investments |
11557 |
7266 |
1193 |
45 |
646 |
(784) |
1084 |
1313 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
107 |
(119) |
2 |
(10) |
11 |
9 |
4 |
4 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
50550 |
56919 |
2692 |
1919 |
3717 |
3624 |
615 |
676 |
|
f) |
Miscellaneous income |
16026 |
26534 |
- |
772 |
- |
1340 |
423 |
568 |
|
|
Total(I+II) |
1869906 |
2239223 |
101348 |
112745 |
120485 |
141606 |
47991 |
58351 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
1047321 |
1304444 |
53690 |
63354 |
65072 |
76073 |
24923 |
30026 |
|
a) |
Interest on deposits |
958624 |
1219658 |
50592 |
59690 |
61040 |
72136 |
24002 |
28951 |
|
b) |
Interest on RBI/inter-bank borrowings |
48124 |
47443 |
251 |
602 |
1311 |
1735 |
26 |
64 |
|
c) |
Others |
40572 |
37343 |
2847 |
3061 |
2721 |
2202 |
895 |
1010 |
|
IV. |
Operating expenses |
472089 |
589663 |
28067 |
33179 |
26787 |
38247 |
13970 |
16866 |
|
a) |
Payments to and provisions for employees |
355775 |
414740 |
21460 |
25104 |
19610 |
27981 |
9543 |
11902 |
|
b) |
Rent, taxes and lighting |
34482 |
37990 |
1727 |
1919 |
2132 |
2412 |
984 |
1162 |
|
c) |
Printing and stationery |
8458 |
9258 |
476 |
519 |
747 |
607 |
205 |
214 |
|
d) |
Advertisement and publicity |
1502 |
2220 |
129 |
77 |
106 |
99 |
20 |
30 |
|
e) |
Depreciation on bank's property |
16407 |
31057 |
606 |
1282 |
1091 |
1967 |
330 |
730 |
|
f) |
Directors' fees, allowances and expenses |
67 |
72 |
8 |
7 |
10 |
13 |
7 |
7 |
|
g) |
Auditors' fees and expenses |
1676 |
2008 |
141 |
154 |
158 |
186 |
77 |
96 |
|
h) |
Law charges |
1168 |
1552 |
54 |
50 |
82 |
90 |
39 |
36 |
|
i) |
Postage, telegrams, telephones, etc. |
6197 |
6890 |
588 |
690 |
450 |
536 |
315 |
360 |
|
j) |
Repairs and maintenance |
4127 |
4421 |
176 |
236 |
257 |
307 |
111 |
106 |
|
k) |
Insurance |
6015 |
7432 |
333 |
355 |
(66) |
503 |
149 |
198 |
|
l) |
Other expenditure |
36215 |
72023 |
2370 |
2787 |
2211 |
3546 |
2192 |
2024 |
|
V. |
Provisions and contingencies |
164376 |
242336 |
10544 |
7024 |
18914 |
16133 |
6325 |
8355 |
|
Total expenses@ |
1519410 |
1894107 |
81757 |
96533 |
91859 |
114320 |
38894 |
46892 |
||
VI. |
Profit |
186120 |
102780 |
9048 |
9188 |
9712 |
11153 |
2771 |
3104 |
|
|
Total (III+IV+V+VI) |
1869906 |
2239223 |
101348 |
112745 |
120485 |
141606 |
47991 |
58351 |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
State Bank of |
State Bank of |
State Bank of |
State Bank of |
|||||||
Items |
Mysore |
Patiala |
Saurashtra |
Travancore |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
||||||||||
I . |
Interest Earned |
61256 |
69698 |
94010 |
101808 |
50284 |
59981 |
98176 |
101936 |
|
a) |
Interest/discount on advances/bills |
36206 |
40493 |
51998 |
53945 |
28614 |
31434 |
55336 |
47550 |
|
b) |
Income on investments |
22935 |
25936 |
34625 |
39280 |
19463 |
25021 |
37154 |
47027 |
|
c) |
Interest on balances with |
1374 |
1818 |
4972 |
6940 |
1695 |
3259 |
1851 |
1751 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
741 |
1450 |
2415 |
1643 |
511 |
267 |
3834 |
5609 |
|
II. |
Other income |
9653 |
12006 |
9799 |
13199 |
9328 |
9123 |
14875 |
15265 |
|
a) |
Commission, exchange and brokerage |
6910 |
8596 |
8265 |
10295 |
6329 |
7301 |
9303 |
11101 |
|
b) |
Net profit on sale of investments |
347 |
118 |
(150) |
41 |
1319 |
332 |
1422 |
612 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
2 |
4 |
2 |
2 |
3 |
- |
2 |
6 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
1274 |
1626 |
1524 |
2572 |
1287 |
1439 |
3419 |
2498 |
|
f) |
Miscellaneous income |
1120 |
1663 |
158 |
290 |
390 |
49 |
730 |
1050 |
|
|
Total(I+II) |
70909 |
81704 |
103809 |
115007 |
59611 |
69104 |
113051 |
117201 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
38127 |
45094 |
58552 |
63469 |
31373 |
37716 |
71357 |
78108 |
|
a) |
Interest on deposits |
36216 |
42301 |
57866 |
61983 |
29881 |
36461 |
65911 |
72439 |
|
b) |
Interest on RBI/inter-bank borrowings |
226 |
894 |
504 |
667 |
187 |
72 |
2153 |
2565 |
|
c) |
Others |
1685 |
1899 |
182 |
820 |
1305 |
1183 |
3293 |
3104 |
|
IV. |
Operating expenses |
20116 |
24576 |
24436 |
26131 |
16294 |
19144 |
21702 |
24046 |
|
a) |
Payments to and provisions for employees |
15447 |
18783 |
18074 |
19050 |
12470 |
14397 |
15154 |
17330 |
|
b) |
Rent, taxes and lighting |
1330 |
1630 |
1653 |
1645 |
1063 |
1222 |
1593 |
1683 |
|
c) |
Printing and stationery |
301 |
315 |
348 |
398 |
236 |
250 |
466 |
388 |
|
d) |
Advertisement and publicity |
23 |
21 |
66 |
41 |
33 |
39 |
60 |
74 |
|
e) |
Depreciation on bank's property |
598 |
672 |
676 |
1000 |
399 |
689 |
797 |
1074 |
|
f) |
Directors' fees, allowances and expenses |
6 |
9 |
7 |
7 |
6 |
7 |
5 |
9 |
|
g) |
Auditors' fees and expenses |
102 |
121 |
130 |
150 |
89 |
108 |
123 |
142 |
|
h) |
Law charges |
30 |
26 |
55 |
41 |
216 |
327 |
10 |
10 |
|
i) |
Postage, telegrams, telephones, etc. |
154 |
153 |
483 |
476 |
271 |
285 |
359 |
350 |
|
j) |
Repairs and maintenance |
133 |
168 |
216 |
258 |
224 |
238 |
231 |
225 |
|
k) |
Insurance |
15 |
52 |
345 |
378 |
168 |
196 |
347 |
466 |
|
l) |
Other expenditure |
1977 |
2626 |
2385 |
2688 |
1119 |
1385 |
2556 |
2295 |
|
V. |
Provisions and contingencies |
7613 |
8677 |
6520 |
15286 |
4131 |
9708 |
13662 |
10721 |
|
Total expenses@ |
58243 |
69669 |
82988 |
89601 |
47667 |
56860 |
93059 |
102154 |
||
VI. |
Profit |
5054 |
3358 |
14301 |
10120 |
7813 |
2536 |
6330 |
4327 |
|
|
Total (III+IV+V+VI) |
70909 |
81704 |
103809 |
115007 |
59611 |
69104 |
113051 |
117201 |
Notes |
: |
1. @Excluding 'Provisions and Contingencies'. |
: |
2. Figures in bracket indicate loss. |
|
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |
NATIONALISED BANKS |
||||||||||
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
Allahabad |
Andhra |
Bank of |
Bank of |
|||||||
Items |
Bank |
Bank |
Baroda |
India |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
||||||||||
I. |
Interest Earned |
140453 |
159482 |
91608 |
105304 |
417091 |
482131 |
393580 |
459062 |
|
a) |
Interest/discount on advances/bills |
67092 |
75977 |
40714 |
47523 |
223486 |
238525 |
246108 |
262688 |
|
b) |
Income on investments |
66431 |
77520 |
44558 |
52302 |
151010 |
174389 |
126367 |
151292 |
|
c) |
Interest on balances with |
6621 |
5854 |
6308 |
5419 |
40793 |
55750 |
17422 |
16368 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
309 |
132 |
28 |
59 |
1802 |
13467 |
3683 |
28714 |
|
II. |
Other income |
22035 |
20893 |
11642 |
14695 |
54329 |
57842 |
57995 |
57367 |
|
a) |
Commission, exchange and brokerage |
13376 |
13162 |
6011 |
7327 |
23540 |
24726 |
27160 |
28369 |
|
b) |
Net profit on sale of investments |
2207 |
1279 |
200 |
1107 |
6903 |
3300 |
5599 |
816 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
12 |
5 |
21 |
23 |
32 |
27 |
3153 |
118 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
2735 |
3046 |
1326 |
1399 |
13594 |
14166 |
10979 |
11985 |
|
f) |
Miscellaneous income |
3706 |
3400 |
4083 |
4838 |
10260 |
15623 |
11104 |
16080 |
|
|
Total(I+II) |
162489 |
180375 |
103250 |
119999 |
471420 |
539973 |
451575 |
516429 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
97651 |
110403 |
60532 |
71664 |
283752 |
324780 |
265111 |
318057 |
|
a) |
Interest on deposits |
95902 |
108786 |
57523 |
68764 |
267565 |
307900 |
246870 |
290031 |
|
b) |
Interest on RBI/inter-bank borrowings |
2 |
44 |
3006 |
2897 |
4374 |
6907 |
18231 |
28026 |
|
c) |
Others |
1747 |
1572 |
3 |
3 |
11813 |
9973 |
10 |
- |
|
IV. |
Operating expenses |
42089 |
46604 |
27193 |
32684 |
107063 |
120664 |
116746 |
127872 |
|
a) |
Payments to and provisions for employees |
27290 |
32599 |
19832 |
23974 |
73856 |
84504 |
77045 |
92377 |
|
b) |
Rent, taxes and lighting |
3626 |
2985 |
1305 |
1644 |
8501 |
9712 |
10464 |
9229 |
|
c) |
Printing and stationery |
696 |
795 |
511 |
527 |
2022 |
1743 |
1991 |
1842 |
|
d) |
Advertisement and publicity |
171 |
195 |
96 |
153 |
576 |
738 |
584 |
333 |
|
e) |
Depreciation on bank's property |
1153 |
1258 |
871 |
1103 |
3547 |
4106 |
6651 |
6144 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
15 |
17 |
32 |
38 |
10 |
8 |
|
g) |
Auditors' fees and expenses |
158 |
184 |
161 |
232 |
671 |
734 |
699 |
649 |
|
h) |
Law charges |
326 |
352 |
103 |
142 |
1130 |
1182 |
1477 |
1154 |
|
i) |
Postage, telegrams, telephones, etc. |
903 |
1099 |
384 |
429 |
1164 |
1272 |
896 |
759 |
|
j) |
Repairs and maintenance |
551 |
702 |
532 |
567 |
2022 |
2264 |
1621 |
1782 |
|
k) |
Insurance |
3096 |
794 |
391 |
559 |
1905 |
2372 |
1691 |
1934 |
|
l) |
Other expenditure |
4119 |
5641 |
2991 |
3336 |
11637 |
11998 |
13616 |
11659 |
|
V. |
Provisions and contingencies |
9828 |
9868 |
8001 |
6648 |
34732 |
52386 |
33267 |
50386 |
|
Total expenses@ |
139740 |
157007 |
87724 |
104348 |
390816 |
445443 |
381856 |
445929 |
||
VI. |
Profit |
12921 |
13500 |
7525 |
9004 |
45873 |
42144 |
36451 |
20114 |
|
|
Total (III+IV+V+VI) |
162489 |
180375 |
103250 |
119999 |
471420 |
539973 |
451575 |
516429 |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
Bank of |
Canara |
Central Bank |
Corporation |
|||||||
Items |
Maharashtra |
Bank |
ofIndia |
Bank |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
||||||||||
I . |
Interest Earned |
99101 |
113388 |
382303 |
469074 |
284226 |
328203 |
102753 |
135630 |
|
a) |
Interest/discount on advances/bills |
43882 |
48025 |
201482 |
228893 |
124700 |
150415 |
42734 |
60841 |
|
b) |
Income on investments |
51351 |
60428 |
152561 |
209814 |
148116 |
165576 |
52219 |
63442 |
|
c) |
Interest on balances with |
3577 |
4614 |
25839 |
30329 |
9258 |
9346 |
4814 |
9339 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
290 |
322 |
2420 |
38 |
2152 |
2866 |
2987 |
2008 |
|
II. |
Other income |
9308 |
10774 |
60771 |
62869 |
34212 |
34885 |
14410 |
19850 |
|
a) |
Commission, exchange and brokerage |
6786 |
7669 |
25388 |
29680 |
20445 |
22646 |
9524 |
12482 |
|
b) |
Net profit on sale of investments |
683 |
1201 |
10025 |
6137 |
7638 |
6809 |
64 |
1107 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
(105) |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
9 |
5 |
36 |
55 |
16 |
20 |
10 |
229 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
1604 |
1603 |
9146 |
9229 |
4425 |
3861 |
2222 |
2888 |
|
f) |
Miscellaneous income |
226 |
296 |
16177 |
17767 |
1793 |
1549 |
2590 |
3145 |
|
|
Total(I+II) |
108409 |
124163 |
443074 |
531943 |
318438 |
363088 |
117163 |
155480 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
61822 |
73340 |
274811 |
313079 |
189210 |
223326 |
63917 |
97816 |
|
a) |
Interest on deposits |
59578 |
71251 |
260381 |
299322 |
187177 |
220710 |
62294 |
96130 |
|
b) |
Interest on RBI/inter-bank borrowings |
365 |
366 |
1999 |
1307 |
314 |
845 |
304 |
551 |
|
c) |
Others |
1879 |
1723 |
12431 |
12450 |
1719 |
1771 |
1319 |
1135 |
|
IV. |
Operating expenses |
34176 |
37315 |
101011 |
123124 |
93156 |
109887 |
22962 |
27067 |
|
a) |
Payments to and provisions for employees |
26577 |
30184 |
69110 |
87983 |
71342 |
83119 |
12885 |
16495 |
|
b) |
Rent, taxes and lighting |
2041 |
2134 |
9897 |
10999 |
4954 |
5280 |
1738 |
2236 |
|
c) |
Printing and stationery |
476 |
416 |
1885 |
1752 |
1172 |
1164 |
528 |
568 |
|
d) |
Advertisement and publicity |
86 |
84 |
247 |
239 |
233 |
265 |
524 |
316 |
|
e) |
Depreciation on bank's property |
1061 |
975 |
5095 |
5542 |
1969 |
2516 |
1486 |
1848 |
|
f) |
Directors' fees, allowances and expenses |
15 |
18 |
24 |
26 |
13 |
15 |
16 |
14 |
|
g) |
Auditors' fees and expenses |
184 |
196 |
533 |
565 |
410 |
489 |
150 |
163 |
|
h) |
Law charges |
65 |
93 |
77 |
157 |
512 |
554 |
28 |
32 |
|
i) |
Postage, telegrams, telephones, etc. |
368 |
492 |
1425 |
1481 |
530 |
677 |
813 |
1010 |
|
j) |
Repairs and maintenance |
306 |
399 |
1447 |
2004 |
753 |
928 |
533 |
641 |
|
k) |
Insurance |
1187 |
506 |
1733 |
1909 |
1368 |
1464 |
342 |
629 |
|
l) |
Other expenditure |
1809 |
1816 |
9539 |
10467 |
9901 |
13417 |
3920 |
3117 |
|
V. |
Provisions and contingencies |
6781 |
8320 |
46950 |
73235 |
18582 |
15250 |
13598 |
11393 |
|
Total expenses@ |
95999 |
110655 |
375822 |
436202 |
282367 |
333213 |
86879 |
124883 |
||
VI. |
Profit |
5629 |
5189 |
20302 |
22506 |
17489 |
14625 |
16687 |
19203 |
|
|
Total (III+IV+V+VI) |
108409 |
124163 |
443074 |
531943 |
318438 |
363088 |
117163 |
155480 |
Notes |
: |
1. @Excluding 'Provisions and Contingencies'. |
: |
2. Figures in bracket indicate loss. |
|
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |