Table 6: Bank Group-Wise Earnings and Expenses of Scheduled Commercial Banks in India - 2000-2001 and 2001-2002 - આરબીઆઈ - Reserve Bank of India
Table 6: Bank Group-Wise Earnings and Expenses of Scheduled Commercial Banks in India - 2000-2001 and 2001-2002
(Amount in Rs. crore) |
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For the year ended March 31 |
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Items |
State Bank of India and its Associates |
Nationalised Banks |
Regional Rural Banks |
Foreign Banks |
Other Scheduled Commercial Banks |
All Scheduled Commercial Banks |
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2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
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(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
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Number of reporting banks |
8 |
8 |
19 |
19 |
196 |
196 |
42 |
40 |
31 |
30 |
296 |
293 |
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I. |
Interest earned |
34017 |
38746 |
56967 |
61979 |
4619 |
5191 |
9471 |
9700 |
14496 |
16549 |
119570 |
132165 |
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a) |
Interest/discount on advances/bills |
15019 |
15309 |
27998 |
30629 |
1685 |
1984 |
5156 |
5331 |
7229 |
8073 |
57087 |
61328 |
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b) |
Income on Investments |
14864 |
18464 |
25624 |
27834 |
1577 |
1651 |
3607 |
3670 |
6313 |
7387 |
51985 |
59005 |
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c) |
Interest on balances with RBI and other inter-bank funds |
1958 |
3366 |
2881 |
3078 |
1225 |
1411 |
581 |
611 |
844 |
972 |
7489 |
9438 |
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d) |
Others |
2176 |
1607 |
464 |
438 |
132 |
144 |
127 |
88 |
110 |
116 |
3009 |
2394 |
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II. |
Other income |
5356 |
6017 |
7159 |
10510 |
240 |
370 |
2513 |
3260 |
2099 |
4269 |
17367 |
24426 |
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a) |
Commission, exchange and brokerage |
3512 |
3715 |
3062 |
3096 |
83 |
102 |
1284 |
1269 |
1001 |
1133 |
8942 |
9315 |
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b) |
Net Profit (loss) on sale and revaluation of investments |
695 |
1015 |
1677 |
4807 |
9 |
90 |
351 |
1025 |
442 |
2487 |
3173 |
9424 |
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c) |
Net Profit (loss) on sale of land, building & other assets |
- |
16 |
12 |
9 |
6 |
- |
(10) |
16 |
(1) |
16 |
8 |
56 |
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d) |
Net Profit (loss) on exchange transactions |
439 |
549 |
926 |
998 |
- |
- |
702 |
726 |
245 |
249 |
2312 |
2521 |
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e) |
Miscellaneous income |
710 |
722 |
1482 |
1600 |
142 |
178 |
185 |
225 |
413 |
384 |
2932 |
3110 |
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Total (I+II) |
39372 |
44763 |
64127 |
72490 |
4859 |
5561 |
11984 |
12960 |
16595 |
20817 |
136937 |
156590 |
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III. |
Interest expended |
22903 |
26556 |
38790 |
42598 |
2966 |
3329 |
5768 |
6054 |
10691 |
12308 |
81117 |
90845 |
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a) |
Interest on deposits |
21535 |
25114 |
36839 |
40464 |
2641 |
2976 |
3657 |
3763 |
9760 |
11228 |
74433 |
83546 |
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b) |
Interest on RBI/inter-bank borrowings |
619 |
457 |
770 |
684 |
253 |
271 |
1707 |
2065 |
432 |
498 |
3781 |
3976 |
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c) |
Others |
749 |
985 |
1180 |
1449 |
71 |
82 |
405 |
225 |
499 |
582 |
2904 |
3323 |
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IV. |
Operating expenses |
10730 |
9487 |
17284 |
16935 |
1165 |
1459 |
3111 |
3393 |
3056 |
3881 |
35344 |
35155 |
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a) |
Payments to and provisions for employees |
7832 |
6760 |
13143 |
12317 |
1004 |
1261 |
990 |
1123 |
1286 |
1613 |
24256 |
23074 |
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b) |
Rent, taxes and lighting |
619 |
687 |
1053 |
1177 |
30 |
34 |
259 |
257 |
333 |
421 |
2294 |
2576 |
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c) |
Printing and stationery |
134 |
155 |
194 |
208 |
14 |
16 |
65 |
76 |
95 |
117 |
502 |
571 |
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d) |
Advertisement and publicity |
35 |
30 |
49 |
63 |
- |
1 |
177 |
147 |
89 |
76 |
350 |
317 |
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e) |
Depreciation on bank’s property |
493 |
532 |
676 |
799 |
13 |
15 |
357 |
288 |
425 |
523 |
1964 |
2157 |
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f) |
Directors’ fees, allowances and expenses |
1 |
1 |
2 |
4 |
- |
- |
1 |
1 |
3 |
5 |
8 |
11 |
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g) |
Auditors’ fees and expenses |
46 |
54 |
94 |
121 |
4 |
4 |
3 |
3 |
8 |
9 |
154 |
191 |
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h) |
Law charges |
39 |
46 |
58 |
59 |
1 |
1 |
37 |
30 |
16 |
16 |
150 |
152 |
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i) |
Postage, telegrams, telephones, etc. |
84 |
90 |
160 |
169 |
9 |
11 |
180 |
201 |
121 |
163 |
554 |
635 |
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j) |
Repairs and maintenance |
73 |
78 |
195 |
212 |
3 |
3 |
154 |
190 |
116 |
207 |
541 |
691 |
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k) |
Insurance |
139 |
179 |
283 |
319 |
17 |
21 |
48 |
48 |
68 |
81 |
555 |
647 |
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l) |
Other expenditure |
1235 |
875 |
1376 |
1488 |
70 |
91 |
840 |
1030 |
495 |
650 |
4015 |
4134 |
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V. |
Provisions and contingencies |
3518 |
5270 |
5958 |
8102 |
128 |
163 |
2085 |
2021 |
1687 |
2849 |
13376 |
18405 |
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Total expenses@ |
33633 |
36043 |
56073 |
59533 |
4130 |
4787 |
8879 |
9447 |
13747 |
16189 |
116461 |
125999 |
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VI. |
Profit (loss) |
2222 |
3449 |
2095 |
4855 |
601 |
610 |
1020 |
1492 |
1162 |
1779 |
7100 |
12186 |
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@ : Excluding 'Provisions and Contingencies'.
1. Figures in brackets indicate loss.
Source : Annual accounts of banks of respective years
Graph - 3
Earnings, Expenses and Profits of Scheduled Commercial Banks - 1997-98 to 2001-02
(For the year ended March 31)
Graph - 4
Composition of Major Items in Total Earnings of Sheduled Commercial Banks: 2000-2001 and 2001-2002
(For the year ended 31st March)
Composition of Major Items in Total Expenses* of Sheduled Commercial Banks: 2000-2001 and 2001-2002
(For the year ended 31st March)