Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 5 of 6)

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પ્રકાશિત તારીખ ડિસેમ્બર 31, 2001

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Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 5 of 6)

OTHER SCHEDULED COMMERCIAL BANKS

							(Amount in Rs. lakh)

		For the year ended March 31

		Bank of		Bank of Punjab		Bank of		Benares State
		Madura @				Rajasthan		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

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

	Income
I.	Interest Earned	37021		26281	34041	39974	44243	9284	10074
	a) Interest/discount on advances/bills	18506		12451	16109	20439	21990	2459	2630
	b) Income on Investments	14614		13115	16855	14958	17752	6496	7145
	c) Interest on balances with	3899		0	1077	2646	3342	328	300
	RBI and other inter-bank funds
	d) Others	2		715	0	1930	1160	0	0
II.	Other income	9872		4624	4282	5339	5648	1666	1729
	a) Commission, exchange and brokerage	3420		1497	1706	2295	2396	251	277
	b) Net Profit (loss) on sale of investments	2664		1021	284	939	1028	1011	1064
	c) Net Profit (loss) on revaluation of investments	0		0	38	0	0	0	0
	d) Net Profit (loss) on sale of land, building & other assets	4		-13	-27	-1	-38	3	0
	e) Net Profit (loss) on exchange transaction	361		704	497	337	323	146	108
	f) Miscellaneous income	3423		1414	1783	1769	1939	257	280

	Total (I+II)	46894		30905	38322	45313	49891	10950	11803

	Expenditure & Provisions
III.	Interest expended	26609		18911	22706	30614	30930	8016	9053
	a) Interest on deposits	24156		17546	20690	30337	30695	7986	9020
	b) Interest on RBI/inter-bank borrowings	731		1365	1880	269	33	30	32
	c) Others	1722		0	136	8	203	0	0
IV.	Operating expenses	10739		6607	9147	12862	13190	2877	3548
	a) Payments to and provisions for employees	6278		776	881	9048	8660	2003	2637
	b) Rent, taxes and lighting	683		1178	1545	751	1000	258	277
	c) Printing and stationery	175		265	493	131	135	38	46
	d) Advertisement and publicity	125		358	391	52	82	10	8
	e) Depreciation on Bank's property	1780		1324	1896	1193	1218	99	85
	f) Directors' fees, allowances and expenses	6		26	24	10	10	10	4
	g) Auditors' fees and expenses	13		27	29	26	40	21	19
	h) Law charges	31		23	27	110	227	15	5
	i) Postage, telegrams, telephones, etc.	190		225	388	211	214	53	51
	j) Repairs and maintenance	241		281	443	75	94	19	14
	k) Insurance	142		119	159	189	245	124	139
	l) Other expenditure	1075		2007	2871	1066	1263	227	262
V.	Provisions and contingencies	4987		2075	2988	629	2549	595	541
	Total expenses@	37348		25519	31853	43476	44120	10894	12601
VI.	Profit (loss)	4558		3311	3482	1207	3222	-539	-1339

	Total (III+IV+V+VI)	46894		30905	38322	45313	49891	10950	11803

(Amount in Rs. lakh)

		For the year ended March 31

Items		Bharat Overseas		Catholic Syrian		Centurion		City Union
		Bank		Bank		Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

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

Income
I.	Interest Earned	13955	15686	28338	31298	44280	54730	17587	18494
	a) Interest/discount on advances/bills	7312	7940	14317	15396	21558	26214	10675	11321
	b) Income on Investments	4750	5441	12008	13525	16823	21975	6419	6726
	c) Interest on balances with	1893	2305	1972	2325	1802	2531	416	347
	RBI and other inter-bank funds
	d) Others	0	0	41	52	4097	4010	76	100

II.	Other income	1991	2549	4223	4830	8879	9809	3310	2893
	a) Commission, exchange and brokerage	777	742	1032	1254	1430	2530	1264	1310
	b) Net Profit (loss) on sale of investments	713	1031	2050	1943	5576	5144	1197	667
	c) Net Profit (loss) on revaluation of investments	0	115	-1	363	0	420	0	0
	d) Net Profit (loss) on sale of land, building & other assets	1	2	1	1	0	9	-3	-1
	e) Net Profit (loss) on exchange transaction	369	394	411	500	814	1071	312	270
	f) Miscellaneous income	131	264	730	768	1059	635	539	648

	Total (I+II)	15946	18235	32561	36128	53159	64539	20897	21387


Expenditure & Provisions
III.	Interest expended	10475	10550	22029	23166	36249	44515	12918	13133
	a) Interest on deposits	10080	10114	21119	22481	27388	32819	12544	12739
	b) Interest on RBI/inter-bank borrowings	245	291	248	186	4131	3995	217	233
	c) Others	150	144	662	499	4730	7701	157	161

IV.	Operating expenses	3434	4053	7977	8095	10403	14243	3073	3305
	a) Payments to and provisions for employees	1711	1858	5901	6050	1091	1533	1973	2051
	b) Rent, taxes and lighting	610	728	652	678	714	1052	207	230
	c) Printing and stationery	49	54	129	137	230	400	71	80
	d) Advertisement and publicity	25	33	12	15	275	523	19	38
	e) Depreciation on Bank's property	248	443	439	331	4263	6280	253	208
	f) Directors' fees, allowances and expenses	11	8	12	12	20	5	4	4
	g) Auditors' fees and expenses	10	16	9	12	15	30	4	5
	h) Law charges	101	79	9	11	228	280	2	1
	i) Postage, telegrams, telephones, etc.	59	62	107	122	283	531	87	99
	j) Repairs and maintenance	24	30	35	38	441	860	34	36
	k) Insurance	67	81	126	151	146	177	86	139
	l) Other expenditure	518	661	547	538	2697	2572	333	413

V.	Provisions and contingencies	1933	1882	1892	3742	3073	5079	2900	2819

	Total expenses@	13909	14603	30006	31261	46652	58758	15992	16439

VI.	Profit (loss)	103	1750	663	1125	3433	702	2006	2130

	Total (III+IV+V+VI)	15946	18235	32561	36128	53158	64539	20897	21387

(Amount in Rs. lakh)

		For the year ended March 31

Items		Development		Dhanalakshmi		Federal Bank		Ganesh Bank of
		Credit Bank		Bank				Kurundwad

		2000	2001	2000	2001	2000	2001	2000	2001

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

Income
I.	Interest Earned	26321	38879	16315	17705	88179	91917	1644	1861
	a) Interest/discount on advances/bills	15261	21210	9369	10146	52899	56143	1171	1228
	b) Income on Investments	10246	16589	6060	6980	31834	33611	400	478
	c) Interest on balances with	814	1080	876	450	2123	1277	38	102
	RBI and other inter-bank funds
	d) Others	0	0	10	128	1323	886	35	53

II.	Other income	6712	4878	2469	2594	13230	12510	90	81
	a) Commission, exchange and brokerage	1707	2014	1055	1317	4819	4549	69	58
	b) Net Profit (loss) on sale of investments	2671	1030	1062	744	3401	1981	0	0
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	184	0	0
	d) Net Profit (loss) on sale of land, building & other assets	-5	-1	0	0	-8	-10	0	0
	e) Net Profit (loss) on exchange transaction	366	304	85	97	1525	1304	0	0
	f) Miscellaneous income	1973	1531	268	436	3493	4502	21	23

	Total (I+II)	33033	43757	18784	20299	101409	104427	1734	1942


Expenditure & Provisions
III.	Interest expended	20675	30186	12341	13733	70145	68219	1284	1494
	a) Interest on deposits	18911	27394	11835	12863	62853	61339	1243	1483
	b) Interest on RBI/inter-bank borrowings	1418	1924	77	242	1377	2037	41	10
	c) Others	347	868	428	628	5915	4843	0	0

IV.	Operating expenses	6060	7169	3432	4861	17715	17504	329	375
	a) Payments to and provisions for employees	2621	2767	2246	2765	11812	11090	196	214
	b) Rent, taxes and lighting	473	584	447	475	1400	1530	17	23
	c) Printing and stationery	119	136	77	89	200	225	11	10
	d) Advertisement and publicity	80	133	28	53	58	151	1	1
	e) Depreciation on Bank's property	1469	1479	201	244	1750	1804	49	67
	f) Directors' fees, allowances and expenses	17	17	4	9	15	15	1	1
	g) Auditors' fees and expenses	31	35	7	10	64	83	1	1
	h) Law charges	23	33	1	19	34	61	4	4
	i) Postage, telegrams, telephones, etc.	123	131	57	79	53	86	13	12
	j) Repairs and maintenance	141	213	42	55	179	246	1	2
	k) Insurance	102	183	59	72	294	341	7	9
	l) Other expenditure	863	1458	263	992	1855	1874	31	33

V.	Provisions and contingencies	3402	3400	1883	1028	8911	12601	100	35

	Total expenses@	26735	37354	15772	18594	87860	85723	1613	1869

VI.	Profit (loss)	2896	3003	1128	677	4639	6104	21	38

	Total (III+IV+V+VI)	33033	43757	18784	20299	101409	104427	1734	1942

(Amount is Rs. Lakh)

		For the year ended March 31

Items		Global Trust		HDFC Bank		ICICI Bank*		IDBI Bank
		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

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

Income
I.	Interest Earned	64641	89750	67987	125946	85287	124213	42378	53910
	a) Interest/discount on advances/bills	38010	49019	26700	49317	34791	57091	17293	20672
	b) Income on Investments	24719	37711	36678	63559	40971	55573	23548	31699
	c) Interest on balances with	1311	2119	4563	13058	9462	10867	1450	1452
	RBI and other inter-bank funds
	d) Others	601	901	46	12	64	683	87	87

II.	Other income	23270	16444	12535	18553	19405	22001	5514	6958
	a) Commission, exchange and brokerage	3635	4209	8319	13411	6708	13953	3206	4272
	b) Net Profit (loss) on sale of investments	5951	2720	2127	1150	10114	1921	1256	1135
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	1377	0	54
	d) Net Profit (loss) on sale of land, building & other assets	-36	-21	-10	-60	-13	-13	-61	-19
	e) Net Profit (loss) on exchange transaction	2113	2426	2091	3985	2239	4161	657	837
	f) Miscellaneous income	11608	7110	8	67	358	601	457	678

	Total (I+II)	87912	106194	80522	144499	104692	146214	47892	60868


Expenditure & Provisions
III.	Interest expended	50719	69717	37428	75375	66695	83767	33261	43750
	a) Interest on deposits	44371	63352	28659	63903	58050	72544	27271	40038
	b) Interest on RBI/inter-bank borrowings	2568	1736	6464	9476	2355	3205	4825	1748
	c) Others	3780	4629	2305	1996	6289	8018	1166	1965

IV.	Operating expenses	12390	16400	17139	30959	15331	33429	6267	10256
	a) Payments to and provisions for employees	1813	3045	4853	7800	3637	5171	1408	2263
	b) Rent, taxes and lighting	1391	1871	2219	4341	1801	3648	1495	1807
	c) Printing and stationery	406	523	1025	1724	823	2417	227	373
	d) Advertisement and publicity	551	1219	1137	2545	388	1433	262	354
	e) Depreciation on Bank's property	4188	4603	2646	5394	2479	3642	829	1881
	f) Directors' fees, allowances and expenses	2	14	82	-74	7	18	3	6
	g) Auditors' fees and expenses	23	33	29	21	14	29	11	13
	h) Law charges	19	51	41	21	50	54	12	19
	i) Postage, telegrams, telephones, etc.	413	875	1505	3082	687	2084	414	626
	j) Repairs and maintenance	458	630	1361	2417	1009	2711	364	687
	k) Insurance	321	500	295	623	369	637	252	390
	l) Other expenditure	2804	3036	1946	3065	4066	11584	989	1838

V.	Provisions and contingencies	13941	12044	13951	17153	12137	12908	2265	4926

	Total expenses@	63109	86117	54567	106334	82026	117197	39528	54006

VI.	Profit (loss)	10862	8033	12004	21012	10530	16110	6099	1936


	Total (III+IV+V+VI)	87912	106194	80522	144499	104692	146214	47893	60868