Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 3 of 7) - આરબીઆઈ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 3 of 7)
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) | ||||||||||
For the year ended 31st March | ||||||||||
Benares State | Bharat Overseas | Catholic Syrian | Centurion | |||||||
Items | Bank | Bank | Bank | Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) |
Income | ||||||||||
I. | Interest Earned | 7844 | 8002 | 12561 | 14376 | 23869 | 25476 | 17264 | 39470 | |
a) | Interest/discount on advances/bills | 3361 | 2719 | 6121 | 7529 | 15872 | 14550 | 11309 | 21183 | |
b) | Income on investments | 4170 | 5020 | 4324 | 4711 | 7310 | 9272 | 5140 | 9532 | |
c) | Interest on balances with | 313 | 263 | 2116 | 2136 | 627 | 1615 | 765 | 1244 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | 59 | 40 | 49 | 7511 | |
II. | Other income | 1424 | 906 | 1393 | 1829 | 3041 | 2434 | 3140 | 4447 | |
a) | Commission, exchange and brokerage | 292 | 275 | 554 | 620 | 628 | 760 | 679 | 887 | |
b) | Net profit on sale of investments | 167 | 287 | 94 | 279 | 1396 | 471 | 1352 | 1448 | |
c) | Net profit on revaluation of investments | - | - | - | - | (3) | (262) | - | - | |
d) | Net profit on sale of land, building & | - | - | 1 | 16 | 1 | 283 | - | - | |
other assets | ||||||||||
e) | Net profit on exchange transaction | 204 | 77 | 617 | 785 | 507 | 491 | 379 | 732 | |
f) | Miscellaneous income | 760 | 266 | 127 | 129 | 513 | - | 731 | 1380 | |
| Total(I+II) | 9268 | 8908 | 13953 | 16205 | 26910 | 27910 | 20404 | 43917 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 5898 | 6701 | 9301 | 11261 | 18948 | 20914 | 13231 | 29614 | |
a) | Interest on deposits | 5818 | 6665 | 8963 | 10782 | 18216 | 20265 | 12461 | 19917 | |
b) | Interest on RBI/inter-bank borrowings | 78 | 35 | 188 | 329 | 64 | 56 | 681 | 5509 | |
c) | Others | 2 | - | 150 | 150 | 669 | 594 | 89 | 4188 | |
IV. | Operating expenses | 2539 | 3041 | 2660 | 3252 | 6030 | 6491 | 3340 | 11170 | |
a) | Payments to and provisions for employees | 1732 | 2142 | 1381 | 1633 | 3913 | 4466 | 402 | 1017 | |
b) | Rent, taxes and lighting | 243 | 257 | 494 | 586 | 549 | 591 | 574 | 635 | |
c) | Printing and stationery | 61 | 36 | 46 | 56 | 145 | 119 | 88 | 172 | |
d) | Advertisement and publicity | 7 | 6 | 62 | 103 | 22 | 19 | 131 | 196 | |
e) | Depreciation on bank's property | 124 | 104 | 124 | 137 | 518 | 460 | - | 6269 | |
f) | Directors' fees, allowances and expenses | 13 | 26 | 7 | 10 | 10 | 16 | 1 | 20 | |
g) | Auditors' fees and expenses | 18 | 21 | 7 | 10 | 9 | 8 | 5 | 24 | |
h) | Law charges | 7 | 4 | 19 | 23 | 9 | 9 | 11 | 113 | |
i) | Postage, telegrams, telephones, etc. | 57 | 60 | 70 | 78 | 155 | 131 | 98 | 215 | |
j) | Repairs and maintenance | 18 | 30 | 35 | 37 | 33 | 36 | 109 | 213 | |
k) | Insurance | 87 | 115 | 58 | 58 | 96 | 110 | 51 | 81 | |
l) | Other expenditure | 172 | 241 | 357 | 521 | 571 | 526 | 1871 | 2215 | |
V. | Provisions and contingencies | 731 | 1198 | 881 | 566 | 1222 | 466 | 1826 | 989 | |
Total expenses@ | 8436 | 9741 | 11961 | 14513 | 24978 | 27406 | 16571 | 40784 | ||
VI. | Profit | 100 | (2031) | 1112 | 1125 | 709 | 38 | 2007 | 2144 | |
| Total (III+IV+V+VI) | 9268 | 8908 | 13953 | 16205 | 26910 | 27910 | 20404 | 43917 |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) | ||||||||||
For the year ended 31st March | ||||||||||
City Union | Development Credit | Dhanalakshmi | Federal | |||||||
Items | Bank | Bank | Bank | Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) |
Income | ||||||||||
I. | Interest Earned | 12123 | 14989 | 15067 | 22112 | 13353 | 14239 | 70158 | 85944 | |
a) | Interest/discount on advances/bills | 8453 | 9434 | 9644 | 11428 | 8668 | 8423 | 42766 | 50480 | |
b) | Income on investments | 2696 | 4146 | 5042 | 10093 | 4191 | 5011 | 23901 | 32405 | |
c) | Interest on balances with | 196 | 349 | 380 | 590 | 494 | 804 | 3105 | 2738 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 778 | 1060 | - | - | 1 | - | 385 | 321 | |
II. | Other income | 2114 | 2760 | 5834 | 3188 | 1459 | 1343 | 9254 | 11298 | |
a) | Commission, exchange and brokerage | 990 | 1103 | 691 | 1105 | 1092 | 808 | 2696 | 3776 | |
b) | Net profit on sale of investments | 66 | 692 | 3719 | 143 | 208 | 255 | 3310 | 2751 | |
c) | Net profit on revaluation of investments | - | - | - | - | - | - | - | - | |
d) | Net profit on sale of land, building & | 1 | 1 | - | - | 1 | 2 | (67) | 9 | |
other assets | ||||||||||
e) | Net profit on exchange transaction | 511 | 402 | 302 | 308 | 9 | 39 | 1076 | 1524 | |
f) | Miscellaneous income | 546 | 563 | 1122 | 1633 | 150 | 238 | 2240 | 3238 | |
| Total(I+II) | 14237 | 17749 | 20900 | 25300 | 14812 | 15581 | 79412 | 97242 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 9726 | 12345 | 11477 | 16732 | 10128 | 11255 | 56372 | 77157 | |
a) | Interest on deposits | 9281 | 11926 | 10961 | 15706 | 9260 | 10796 | 53563 | 74180 | |
b) | Interest on RBI/inter-bank borrowings | 142 | 125 | 382 | 620 | 299 | 21 | 1074 | 587 | |
c) | Others | 304 | 294 | 134 | 406 | 570 | 438 | 1735 | 2389 | |
IV. | Operating expenses | 2375 | 2915 | 4352 | 5572 | 2791 | 2996 | 13766 | 15147 | |
a) | Payments to and provisions for employees | 1431 | 1661 | 2042 | 2391 | 1689 | 1918 | 7890 | 9264 | |
b) | Rent, taxes and lighting | 126 | 153 | 244 | 355 | 370 | 385 | 897 | 1148 | |
c) | Printing and stationery | 67 | 72 | 91 | 112 | 76 | 73 | 214 | 201 | |
d) | Advertisement and publicity | 53 | 63 | 77 | 93 | 55 | 27 | 180 | 122 | |
e) | Depreciation on bank's property | 248 | 273 | 1019 | 1432 | 186 | 199 | 1876 | 1959 | |
f) | Directors' fees, allowances and expenses | 2 | 3 | 21 | 17 | 9 | 4 | 8 | 16 | |
g) | Auditors' fees and expenses | 3 | 5 | 15 | 22 | 4 | 6 | 59 | 68 | |
h) | Law charges | 1 | 1 | 109 | 26 | 4 | 2 | 16 | 17 | |
i) | Postage, telegrams, telephones, etc. | 85 | 110 | 83 | 101 | 61 | 65 | 185 | 159 | |
j) | Repairs and maintenance | 24 | 30 | 92 | 181 | 48 | 27 | 289 | 231 | |
k) | Insurance | 58 | 93 | 45 | 74 | 43 | 42 | 234 | 299 | |
l) | Other expenditure | 276 | 450 | 514 | 768 | 245 | 248 | 1918 | 1662 | |
V. | Provisions and contingencies | 991 | 1264 | 2069 | 862 | 1052 | 944 | 4246 | 4686 | |
Total expenses@ | 12101 | 15260 | 15829 | 22304 | 12920 | 14250 | 70138 | 92303 | ||
VI. | Profit | 1145 | 1225 | 3002 | 2133 | 840 | 387 | 5028 | 253 | |
| Total (III+IV+V+VI) | 14237 | 17749 | 20900 | 25300 | 14812 | 15581 | 79412 | 97242 |
Notes | : | 1. @Excluding 'Provisions and Contingencies'. |
: | 2. Figures in bracket indicate loss. | |
- | : | Nil or negligible. |
Source : | Annual accounts of banks. |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) | ||||||||||
For the year ended 31st March | ||||||||||
Ganesh Bank of | Global Trust | HDFC | ICICI | |||||||
Items | Kurundwad | Bank | Bank | Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) |
Income | ||||||||||
I. | Interest Earned | 1105 | 1372 | 39408 | 49136 | 24080 | 37608 | 25970 | 54405 | |
a) | Interest/discount on advances/bills | 831 | 1020 | 26938 | 29228 | 11767 | 14317 | 14325 | 22595 | |
b) | Income on investments | 246 | 285 | 11673 | 18192 | 10391 | 18220 | 8073 | 20850 | |
c) | Interest on balances with | 12 | 28 | 728 | 1381 | 1861 | 5045 | 3214 | 10941 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 17 | 39 | 68 | 335 | 61 | 26 | 357 | 19 | |
II. | Other income | 91 | 110 | 12704 | 14632 | 6201 | 6807 | 8505 | 8903 | |
a) | Commission, exchange and brokerage | 39 | 46 | 3975 | 3147 | 3047 | 4092 | 2517 | 3741 | |
b) | Net profit on sale of investments | - | - | 4032 | 3556 | 2097 | 1513 | 3524 | 1244 | |
c) | Net profit on revaluation of investments | - | - | - | - | - | - | - | - | |
d) | Net profit on sale of land, building & | - | - | - | (26) | (10) | 1 | (4) | (10) | |
other assets | ||||||||||
e) | Net profit on exchange transaction | - | - | 2296 | 1805 | 1067 | 1195 | 1711 | 3412 | |
f) | Miscellaneous income | 52 | 63 | 2401 | 6150 | - | 6 | 757 | 517 | |
| Total(I+II) | 1197 | 1482 | 52112 | 63768 | 30281 | 44415 | 34475 | 63309 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 839 | 1115 | 32279 | 43846 | 13755 | 22918 | 18668 | 42552 | |
a) | Interest on deposits | 775 | 1051 | 30276 | 40904 | 10397 | 17601 | 16195 | 37187 | |
b) | Interest on RBI/inter-bank borrowings | 65 | 64 | 1376 | 1470 | 3163 | 4014 | 1010 | 2040 | |
c) | Others | - | - | 627 | 1472 | 195 | 1303 | 1463 | 3325 | |
IV. | Operating expenses | 275 | 300 | 7127 | 9466 | 6271 | 8879 | 5761 | 8297 | |
a) | Payments to and provisions for employees | 142 | 175 | 889 | 1316 | 1485 | 2206 | 1227 | 1819 | |
b) | Rent, taxes and lighting | 33 | 24 | 878 | 1088 | 1108 | 1421 | 771 | 1137 | |
c) | Printing and stationery | 9 | 9 | 213 | 276 | 328 | 511 | 295 | 324 | |
d) | Advertisement and publicity | 1 | - | 464 | 343 | 339 | 499 | 205 | 339 | |
e) | Depreciation on bank's property | 46 | 44 | 2706 | 3772 | 1069 | 1502 | 1447 | 1753 | |
f) | Directors' fees, allowances and expenses | 1 | 1 | 10 | 7 | 2 | 3 | 5 | 5 | |
g) | Auditors' fees and expenses | - | - | 17 | 21 | 8 | 14 | 11 | 13 | |
h) | Law charges | 3 | 2 | 32 | 21 | 1 | 6 | 33 | 96 | |
i) | Postage, telegrams, telephones, etc. | 11 | 13 | 249 | 350 | 599 | 929 | 215 | 433 | |
j) | Repairs and maintenance | 1 | 1 | 264 | 386 | 468 | 731 | 420 | 757 | |
k) | Insurance | 5 | 6 | 271 | 312 | 91 | 158 | 114 | 225 | |
l) | Other expenditure | 23 | 24 | 1134 | 1575 | 773 | 899 | 1017 | 1397 | |
V. | Provisions and contingencies | 74 | 57 | 4692 | 3370 | 3940 | 4378 | 5024 | 6124 | |
Total expenses@ | 1114 | 1416 | 39406 | 53312 | 20026 | 31797 | 24429 | 50849 | ||
VI. | Profit | 8 | 10 | 8013 | 7086 | 6315 | 8240 | 5022 | 6336 | |
| Total (III+IV+V+VI) | 1197 | 1482 | 52112 | 63768 | 30281 | 44415 | 34475 | 63309 |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) | ||||||||||
For the year ended 31st March | ||||||||||
IDBI | Induslnd | Jammu & Kashmir | Karnataka | |||||||
Items | Bank | Bank | Bank | Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (33) | (34) | (35) | (36) | (37) | (38) | (39) | (40) |
Income | ||||||||||
I. | Interest Earned | 14925 | 29501 | 55104 | 59356 | 53057 | 69373 | 42992 | 49139 | |
a) | Interest/discount on advances/bills | 8815 | 13391 | 34332 | 35233 | 25887 | 34127 | 25691 | 27247 | |
b) | Income on investments | 5731 | 14379 | 19127 | 21567 | 24851 | 31638 | 16086 | 19111 | |
c) | Interest on balances with | 307 | 1717 | 1420 | 2552 | 2319 | 3609 | 1034 | 2762 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 72 | 15 | 225 | 4 | - | - | 181 | 19 | |
II. | Other income | 1763 | 2888 | 15483 | 8286 | 5749 | 4303 | 4786 | 4828 | |
a) | Commission, exchange and brokerage | 885 | 1934 | 3563 | 3545 | 1344 | 1505 | 2514 | 3031 | |
b) | Net profit on sale of investments | 297 | 231 | 8493 | 304 | 1953 | 1022 | 850 | 79 | |
c) | Net profit on revaluation of investments | - | - | - | - | - | - | - | - | |
d) | Net profit on sale of land, building & | - | - | (4) | (10) | - | - | 5 | 5 | |
other assets | ||||||||||
e) | Net profit on exchange transaction | 498 | 574 | 1034 | 1513 | 500 | 599 | 827 | 1064 | |
f) | Miscellaneous income | 84 | 149 | 2397 | 2935 | 1952 | 1177 | 589 | 648 | |
| Total(I+II) | 16688 | 32389 | 70588 | 67642 | 58806 | 73676 | 47778 | 53967 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 10460 | 23090 | 42903 | 47881 | 32885 | 43094 | 29163 | 37529 | |
a) | Interest on deposits | 8109 | 19806 | 37050 | 42964 | 32812 | 42885 | 27553 | 35723 | |
b) | Interest on RBI/inter-bank borrowings | 1648 | 2481 | 1574 | 1541 | 67 | 209 | 348 | 638 | |
c) | Others | 704 | 802 | 4279 | 3377 | 6 | - | 1262 | 1169 | |
IV. | Operating expenses | 3355 | 5424 | 7574 | 8715 | 9804 | 13390 | 8406 | 9212 | |
a) | Payments to and provisions for employees | 636 | 1082 | 747 | 1127 | 5885 | 8506 | 6052 | 6424 | |
b) | Rent, taxes and lighting | 1045 | 1419 | 1394 | 1635 | 526 | 721 | 549 | 640 | |
c) | Printing and stationery | 82 | 192 | 151 | 184 | 129 | 144 | 123 | 125 | |
d) | Advertisement and publicity | 218 | 221 | 231 | 178 | 145 | 175 | 42 | 53 | |
e) | Depreciation on bank's property | 249 | 571 | 1673 | 2098 | 372 | 793 | 572 | 695 | |
f) | Directors' fees, allowances and expenses | 1 | 2 | 14 | 15 | 6 | 13 | 6 | 10 | |
g) | Auditors' fees and expenses | 5 | 8 | 21 | 28 | 47 | 66 | 20 | 23 | |
h) | Law charges | 16 | 14 | 610 | 299 | 18 | 16 | 10 | 6 | |
i) | Postage, telegrams, telephones, etc. | 240 | 386 | 475 | 609 | 158 | 204 | 108 | 132 | |
j) | Repairs and maintenance | 81 | 131 | 179 | 281 | 51 | 77 | 85 | 119 | |
k) | Insurance | 73 | 180 | 174 | 187 | 223 | 267 | 161 | 199 | |
l) | Other expenditure | 708 | 1218 | 1903 | 2074 | 2245 | 2409 | 676 | 786 | |
V. | Provisions and contingencies | 867 | 799 | 10999 | 7365 | 11080 | 8647 | 4393 | 2982 | |
Total expenses@ | 13815 | 28515 | 50477 | 56597 | 42689 | 56484 | 37569 | 46741 | ||
VI. | Profit | 2005 | 3076 | 9112 | 3680 | 5037 | 8545 | 5816 | 4245 | |
| Total (III+IV+V+VI) | 16688 | 32389 | 70588 | 67642 | 58806 | 73676 | 47778 | 53967 |
Notes | : | 1. @Excluding 'Provisions and Contingencies'. |
: | 2. Figures in bracket indicate loss. | |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |