(Amount in ` crore)

Items

For the year ended March 31

State Bank of India & its Associates

Nationalised Banks $

Public Sector Banks

2010

2011

2010

2011

2010

2011

(1)

(2)

(3)

(4)

(5)

(6)

Number of reporting banks

7

6

20

20

27

26

I.Interest Earned

97954

109828

208029

256490

305983

366318

a) Interest/discount on advances/bills

71298

81904

154408

191195

225706

273099

b) Income on Investments

23571

25797

50522

60644

74092

86441

c) Interest on balances with RBI and other inter-Bank Funds

1802

669

2040

2714

3842

3383

d) Others

1283

1458

1059

1936

2342

3394

II.Other Income

18394

19240

30500

28625

48893

47865

a) Commission, exchange and brokerage

11993

14179

10384

11965

22377

26144

b) Net Profit(loss) on sale and revaluation of investment

2732

1292

8993

3471

11725

4763

c) Net Profit(loss) on sale of land,building and other Assets

-11

-21

2

3

-9

-19

d) Net profit(loss) on exchange transactions

1813

1703

2598

3559

4411

5262

e) Miscellaneous income

1866

2087

8523

9628

10390

11715

Total(I+II)

116347

129068

238528

285115

354876

414183

III. Interest expended

66229

67018

145712

164135

211940

231153

a) Interest on deposits

60825

59862

132315

146471

193141

206333

b) Interest on RBI/inter-bank borrowings

1431

2927

2868

5264

4299

8191

c) Others

3972

4229

10529

12400

14501

16629

IV. Operating expenses

25283

29146

40792

53819

66075

82965

a) Payments to and provisions for employees

15652

18476

25463

35757

41115

54233

b) Rent, taxes and lighting

2067

2297

3133

3604

5200

5901

c) Printing and stationery

297

317

425

467

722

784

d) Advertisement and publicity

264

306

434

630

699

936

e) Depreciation on bank's property

1194

1253

2000

2128

3193

3380

f) Directors' fees, allowances and expenses

2

2

17

16

19

18

g) Auditors' fees and expenses

170

184

370

410

540

594

h) Law charges

116

139

172

213

288

352

i) Postage, telegrams, telephones, etc.

371

414

636

683

1007

1097

j) Repairs and maintenance

402

436

813

926

1215

1362

k) Insurance

932

1065

2120

2500

3052

3565

l) Other expenditure

3817

4256

5208

6487

9025

10743

V.Net Interest Income(I-III)

31725

42810

62317

92355

94042

135165

VI. Provisions and contingencies

12403

21041

25200

34123

37604

55164

VII. Operating Profit(I+II-III-IV)

24836

32904

52025

67161

76861

100065

VIII. Profit (loss) during the year

12433

11863

26824

33038

39257

44901

Notes : 1. $ Includes IDBI Bank Ltd.

Source : Annual accounts of banks of respective years.

TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS IN INDIA - 2009-10 AND 2010-11 (Contd.)

(Amount in ` crore)

Items

For the year ended March 31

Old Private
Sector Banks

New Private Sector Banks

Private Sector Banks

2010

2011

2010

2011

2010

2011

(7)

(8)

(9)

(10)

(11)

(12)

Number of reporting banks

15

14

7

7

22

21

I.Interest Earned

20497

23299

62309

73528

82806

96827

a) Interest/discount on advances/bills

15474

17646

44229

51467

59703

69113

b) Income on Investments

4750

5463

15842

19869

20592

25332

c) Interest on balances with RBI and other inter-Bank Funds

211

137

851

746

1062

882

d) Others

62

54

1387

1446

1449

1499

II.Other Income

3152

3029

17271

17697

20423

20726

a) Commission, exchange and brokerage

1066

1241

11346

13732

12413

14972

b) Net Profit(loss) on sale and revaluation of investment

810

379

2093

181

2903

560

c) Net Profit(loss) on sale of land,building and other Assets

2

18

97

31

99

49

d) Net profit(loss) on exchange transactions

274

298

2307

2607

2581

2905

e) Miscellaneous income

999

1093

1428

1147

2428

2240

Total(I+II)

23649

26328

79580

91225

103229

117553

III. Interest expended

14076

14768

37130

42347

51206

57115

a) Interest on deposits

13466

13898

28302

31510

41768

45408

b) Interest on RBI/inter-bank borrowings

138

220

2662

3646

2800

3866

c) Others

471

650

6165

7192

6637

7842

IV. Operating expenses

4715

5600

18136

22006

22851

27606

a) Payments to and provisions for employees

2737

3413

6690

8902

9427

12315

b) Rent, taxes and lighting

424

489

1973

2317

2397

2806

c) Printing and stationery

57

62

377

480

434

541

d) Advertisement and publicity

61

86

279

469

340

555

e) Depreciation on bank's property

269

293

1429

1556

1698

1850

f) Directors' fees, allowances and expenses

6

6

3

3

9

10

g) Auditors' fees and expenses

23

23

7

8

30

31

h) Law charges

18

17

178

124

196

141

i) Postage, telegrams, telephones, etc.

102

110

781

753

882

864

j) Repairs and maintenance

111

118

1347

1537

1458

1656

k) Insurance

199

215

570

680

769

895

l) Other expenditure

710

769

4502

5176

5211

5945

V.Net Interest Income(I-III)

6421

8531

25179

31181

31601

39711

VI. Provisions and contingencies

2545

2858

13516

12261

16061

15119

VII. Operating Profit(I+II-III-IV)

4858

5959

24315

26872

29173

32831

VIII. Profit (loss) during the year

2312

3101

10799

14610

13111

17712

Source : Annual accounts of banks of respective years.

TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS IN INDIA - 2009-10 AND 2010-11 (Concld.)

(Amount in ` crore)

Items

For the year ended March 31

Foreign Banks

All Scheduled Commercial Banks

2010

2011

2010

2011

(13)

(14)

(15)

(16)

Number of reporting banks

32

34

81

81

I.Interest Earned

26390

28522

415179

491667

a) Interest/discount on advances/bills

16415

15699

301824

357912

b) Income on Investments

9255

12008

103940

123781

c) Interest on balances with RBI and other inter-Bank Funds

614

559

5519

4824

d) Others

105

256

3896

5149

II.Other Income

9951

10972

79268

79564

a) Commission, exchange and brokerage

6564

6398

41353

47514

b) Net Profit(loss) on sale and revaluation of investment

-932

-2346

13696

2977

c) Net Profit(loss) on sale of land, building and other Assets

-1

73

89

104

d) Net profit(loss) on exchange transactions

3370

6051

10362

14218

e) Miscellaneous income

951

796

13768

14751

Total(I+II)

36341

39494

494446

571230

III. Interest expended

8938

10622

272084

298891

a) Interest on deposits

6924

7796

241833

259537

b) Interest on RBI/inter-bank borrowings

1464

2059

8563

14116

c) Others

550

767

21687

25238

IV. Operating expenses

11102

12558

100028

123129

a) Payments to and provisions for employees

4706

5403

55248

71950

b) Rent, taxes and lighting

763

838

8360

9545

c) Printing and stationery

116

131

1272

1456

d) Advertisement and publicity

602

712

1641

2202

e) Depreciation on bank's property

452

440

5344

5670

f) Directors' fees, allowances and expenses

-

-

28

28

g) Auditors' fees and expenses

6

7

575

631

h) Law charges

106

126

590

619

i) Postage, telegrams, telephones, etc.

427

486

2316

2447

j) Repairs and maintenance

318

401

2992

3419

k) Insurance

235

304

4055

4764

l) Other expenditure

3371

3709

17607

20398

V.Net Interest Income(I-III)

17452

17899

143095

192776

VI. Provisions and contingencies

11560

8595

65226

78878

VII. Operating Profit(I+II-III-IV)

16301

16314

122335

149210

VIII. Profit (loss) during the year

4741

7719

57109

70331

Source : Annual accounts of banks of respective years.