Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 1 of 6) - આરબીઆઈ - Reserve Bank of India
Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 1 of 6)
State Bank of India and its Associates |
(Amount in Rs. lakh) | ||||||||||
For the year ended March 31 | ||||||||||
Items | State Bank of India | State Bank of | State Bank of | State Bank of | ||||||
Bikaner and | Hyderabad | Indore | ||||||||
Jaipur | ||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | |||
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | |||
Income | ||||||||||
I | Interest Earned | 2220093 | 2600337 | 111597 | 126683 | 148239 | 169379 | 56004 | 70973 | |
a) Interest/discount on advances/bills | 955395 | 1114325 | 48166 | 54937 | 67922 | 77113 | 28636 | 35093 | ||
b) Income on Investments | 950616 | 1122972 | 52210 | 58028 | 74777 | 85763 | 24202 | 32273 | ||
c) Interest on balances with | 157335 | 170325 | 3702 | 4805 | 4507 | 3375 | 2197 | 1829 | ||
RBI and other inter-bank funds | ||||||||||
d) Others | 156746 | 192715 | 7519 | 8913 | 1034 | 3128 | 970 | 1778 | ||
II. | Other income | 356932 | 401782 | 22007 | 23914 | 26653 | 28807 | 13436 | 16226 | |
a) Commission, exchange and brokerage | 256744 | 263244 | 16792 | 19085 | 17516 | 17977 | 7014 | 7253 | ||
b) Net Profit (loss) on sale of investments | 26887 | 47664 | 2155 | 1837 | 3164 | 4035 | 3664 | 6276 | ||
c) Net Profit (loss) on revaluation of investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
d) Net Profit (loss) on sale of land, building & other assets | 82 | 3 | 0 | 1 | 0 | 16 | 2 | -3 | ||
e) Net Profit (loss) on exchange transaction | 32897 | 30355 | 2264 | 2264 | 3504 | 3518 | 675 | 761 | ||
f) Miscellaneous income | 40322 | 60516 | 797 | 727 | 2460 | 3261 | 2082 | 1977 | ||
Total (I+II) | 2577025 | 3002119 | 133605 | 150597 | 174893 | 198186 | 69440 | 87239 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 1527258 | 1775558 | 74235 | 81088 | 96235 | 108254 | 37233 | 47618 | |
a) Interest on deposits | 1439664 | 1664322 | 69166 | 76418 | 91707 | 103034 | 34986 | 44711 | ||
b) Interest on RBI/inter-bank borrowings | 55704 | 52136 | 1164 | 1016 | 2315 | 2939 | 358 | 448 | ||
c) Others | 31890 | 59100 | 3905 | 3653 | 2213 | 2281 | 1889 | 2459 | ||
IV. | Operating expenses | 629517 | 829882 | 35582 | 42680 | 37513 | 45093 | 19274 | 22376 | |
a) Payments to and provisions for employees | 447787 | 601165 | 26548 | 32815 | 25083 | 32141 | 13345 | 15537 | ||
b) Rent, taxes and lighting | 42555 | 47131 | 2217 | 2510 | 2839 | 3118 | 1286 | 1428 | ||
c) Printing and stationery | 9696 | 10332 | 551 | 587 | 677 | 739 | 232 | 289 | ||
d) Advertisement and publicity | 1756 | 3039 | 73 | 99 | 104 | 128 | 36 | 39 | ||
e) Depreciation on Bank's property | 36565 | 40192 | 1726 | 1753 | 1654 | 1650 | 1191 | 1464 | ||
f) Directors' fees, allowances and expenses | 66 | 69 | 7 | 8 | 9 | 13 | 8 | 8 | ||
g) Auditors' fees and expenses | 2198 | 3245 | 195 | 200 | 218 | 254 | 115 | 165 | ||
h) Law charges | 4314 | 3374 | 74 | 26 | 83 | 95 | 50 | 46 | ||
i) Postage, telegrams, telephones, etc. | 6043 | 5676 | 578 | 576 | 489 | 484 | 360 | 378 | ||
j) Repairs and maintenance | 5054 | 5477 | 227 | 230 | 300 | 342 | 136 | 171 | ||
k) Insurance | 9830 | 10794 | 383 | 503 | 632 | 706 | 265 | 291 | ||
l) Other expenditure | 63654 | 99389 | 3004 | 3372 | 5425 | 5423 | 2251 | 2560 | ||
V. | Provisions and contingencies | 215095 | 236253 | 11746 | 16293 | 28364 | 29817 | 8409 | 10847 | |
Total expenses@ | 2156775 | 2605441 | 109817 | 123768 | 133748 | 153347 | 56507 | 69994 | ||
VI. | Profit (loss) | 205155 | 160425 | 12042 | 10537 | 12780 | 15022 | 4525 | 6400 | |
Total (III+IV+V+VI) | 2577025 | 3002119 | 133605 | 150597 | 174893 | 198186 | 69440 | 87239 | ||
(Amount in Rs. lakh) | ||||||||||
For the year ended March 31 | ||||||||||
Items | State Bank of | State Bank of | State Bank of | State Bank of | ||||||
Mysore | Patiala | Saurashtra | Travancore | |||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | |||
(9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) | |||
Income | ||||||||||
I. | Interest Earned | 80009 | 91535 | 117054 | 134426 | 69717 | 76816 | 115952 | 131536 | |
a) Interest/discount on advances/bills | 44314 | 47853 | 61046 | 71801 | 36171 | 38713 | 51484 | 62068 | ||
b) Income on Investments | 31839 | 40053 | 47031 | 52434 | 29146 | 33718 | 56000 | 61135 | ||
c) Interest on balances with | 1847 | 1688 | 7381 | 7870 | 4071 | 3991 | 2331 | 1947 | ||
RBI and other inter-bank funds | ||||||||||
d) Others | 2009 | 1941 | 1596 | 2321 | 329 | 394 | 6137 | 6385 | ||
II. | Other income | 16419 | 17107 | 16473 | 17024 | 11407 | 11228 | 19466 | 19426 | |
a) Commission, exchange and brokerage | 10319 | 10436 | 11928 | 12312 | 8204 | 8604 | 12917 | 12281 | ||
b) Net Profit (loss) on sale of investments | 2570 | 2806 | 2103 | 2220 | 1841 | 1592 | 2514 | 3032 | ||
c) Net Profit (loss) on revaluation of nvestmentsi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
d) Net Profit (loss) on sale of land, building & other assets | 43 | 14 | 5 | -9 | 0 | -5 | 6 | 31 | ||
e) Net Profit (loss) on exchange transaction | 1682 | 1252 | 2436 | 2078 | 1250 | 1034 | 2765 | 2599 | ||
f) Miscellaneous income | 1804 | 2598 | 2 | 423 | 111 | 3 | 1264 | 1483 | ||
Total (I+II) | 96427 | 108642 | 133528 | 151450 | 81123 | 88045 | 135418 | 150962 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 51897 | 60174 | 69509 | 73940 | 45580 | 51655 | 87759 | 92024 | |
a) Interest on deposits | 48845 | 56603 | 68134 | 72538 | 44305 | 49946 | 82266 | 85942 | ||
b) Interest on RBI/inter-bank borrowings | 1112 | 992 | 624 | 559 | 169 | 250 | 2492 | 3576 | ||
c) Others | 1941 | 2579 | 750 | 842 | 1106 | 1458 | 3001 | 2506 | ||
IV. | Operating expenses | 28264 | 34675 | 28942 | 37598 | 19309 | 24752 | 29439 | 35914 | |
a) Payments to and provisions for employees | 22316 | 28077 | 21123 | 28796 | 14289 | 17001 | 22148 | 27697 | ||
b) Rent, taxes and lighting | 1831 | 1995 | 1840 | 1938 | 1311 | 1703 | 1950 | 2103 | ||
c) Printing and stationery | 323 | 330 | 381 | 345 | 269 | 300 | 404 | 449 | ||
d) Advertisement and publicity | 17 | 25 | 48 | 33 | 37 | 53 | 87 | 126 | ||
e) Depreciation on Bank's property | 747 | 1004 | 1047 | 1320 | 667 | 573 | 1111 | 1363 | ||
f) Directors' fees, allowances and expenses | 10 | 7 | 9 | 9 | 9 | 12 | 11 | 9 | ||
g) Auditors' fees and expenses | 141 | 178 | 173 | 187 | 123 | 150 | 201 | 229 | ||
h) Law charges | 24 | 23 | 47 | 56 | 181 | 211 | 21 | 30 | ||
i) Postage, telegrams, telephones, etc. | 99 | 121 | 545 | 561 | 298 | 329 | 292 | 262 | ||
j) Repairs and maintenance | 267 | 210 | 289 | 274 | 293 | 279 | 255 | 283 | ||
k) Insurance | 46 | 95 | 445 | 518 | 307 | 288 | 556 | 674 | ||
l) Other expenditure | 2441 | 2610 | 2993 | 3560 | 1525 | 3853 | 2403 | 2689 | ||
V. | Provisions and contingencies | 11442 | 11222 | 22009 | 23802 | 7587 | 10268 | 11576 | 13275 | |
Total expenses@ | 80161 | 94848 | 98450 | 111538 | 64889 | 76406 | 117198 | 127938 | ||
VI. | Profit (loss) | 4824 | 2572 | 13069 | 16110 | 8648 | 1371 | 6644 | 9749 | |
Total (III+IV+V+VI) | 96427 | 108642 | 133528 | 151450 | 81123 | 88045 | 135418 | 150962 | ||
Notes |
1. @: Excluding 'Provisions and Contingencies'. |
2. Figures in brackets indicate loss. |
Source : Annual accounts of banks of respective years. |