Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 1 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 1 of 26)
STATE BANK OF INDIA AND ITS ASSOCIATES |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Items |
State Bank of |
State Bank of Bikaner |
State Bank of |
State Bank of |
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India |
and Jaipur |
Hyderabad |
Indore |
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1996 |
1997 |
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1996 |
1997 |
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1996 |
1997 |
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1996 |
1997 |
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(1) |
(2) |
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(3) |
(4) |
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(5) |
(6) |
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(7) |
(8) |
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Income |
||||||||||||||||
I. |
Interest earned |
1295857 |
1495066 |
60519 |
73654 |
80853 |
95548 |
31827 |
37822 |
|||||||
a) |
Interest/discount on advances/bills |
668302 |
813747 |
31726 |
41728 |
49428 |
59995 |
19586 |
23672 |
|||||||
b) |
Income on investments |
517682 |
552151 |
21577 |
25226 |
25157 |
29914 |
10316 |
12361 |
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c) |
Interest on balances with RBI and other |
79432 |
72180 |
6432 |
4569 |
6047 |
3678 |
1808 |
1597 |
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inter-bank funds |
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d) |
Others |
30441 |
56988 |
784 |
2131 |
221 |
1961 |
117 |
192 |
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II. |
Other income |
275702 |
264307 |
10721 |
12822 |
14583 |
14624 |
4941 |
5260 |
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a) |
Commission, exchange, brokerage, etc. |
176221 |
180485 |
10157 |
10834 |
11032 |
10716 |
4138 |
4756 |
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b) |
Net profit (loss) on sale of investments |
(3268) |
2586 |
(1492) |
(72) |
(489) |
86 |
4 |
7 |
|||||||
c) |
Net profit (loss) on revaluation of investments |
- |
4006 |
- |
- |
- |
- |
- |
- |
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d) |
Net profit (loss) on sale of land, building |
49 |
35 |
(6) |
(6) |
9 |
6 |
4 |
4 |
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& other assets |
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e) |
Net profit (loss) on exchange transaction |
93403 |
69910 |
2062 |
2066 |
4030 |
3815 |
795 |
492 |
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f) |
Miscellaneous income |
9297 |
7284 |
- |
- |
- |
- |
- |
- |
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Total (I+II) |
1571559 |
1759373 |
|
71240 |
86476 |
|
95435 |
110172 |
|
36768 |
43082 |
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Expenditure & Provisions |
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III. |
Interest expended |
822592 |
959143 |
37292 |
46580 |
50575 |
60739 |
19039 |
22933 |
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a) |
Interest on deposits |
660543 |
830082 |
34159 |
43629 |
47164 |
57427 |
16987 |
21955 |
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b) |
Interest on RBI/inter-bank borrowings |
75213 |
48163 |
1322 |
49 |
2825 |
1028 |
1333 |
57 |
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c) |
Others |
86836 |
80898 |
1811 |
2902 |
586 |
2284 |
718 |
920 |
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IV. |
Operating expenses |
445954 |
460467 |
22723 |
24204 |
24822 |
26498 |
11448 |
12402 |
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a) |
Payments to and provisions for employees |
335164 |
332293 |
17753 |
18527 |
17516 |
17912 |
7918 |
8534 |
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b) |
Rent, taxes and lighting |
27142 |
30308 |
1299 |
1673 |
1555 |
1773 |
831 |
896 |
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c) |
Printing and stationery |
6502 |
7546 |
377 |
426 |
466 |
587 |
146 |
174 |
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d) |
Advertisement and publicity |
1387 |
1172 |
39 |
62 |
61 |
82 |
13 |
19 |
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e) |
Depreciation on Bank's property |
8699 |
9733 |
407 |
489 |
644 |
751 |
247 |
288 |
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f) |
Directors' fees, allowances and expenses |
56 |
62 |
4 |
5 |
7 |
12 |
4 |
4 |
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g) |
Auditors' fees and expenses |
1234 |
1384 |
98 |
109 |
112 |
126 |
47 |
55 |
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h) |
Law charges |
1146 |
1625 |
50 |
47 |
45 |
74 |
22 |
34 |
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i) |
Postage, telegrams, telephones, etc. |
5218 |
5453 |
468 |
475 |
369 |
402 |
255 |
273 |
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j) |
Repairs and maintenance |
2933 |
3738 |
133 |
149 |
205 |
229 |
68 |
97 |
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k) |
Insurance |
25575 |
26558 |
244 |
276 |
1821 |
1731 |
121 |
136 |
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l) |
Other expenditure |
30898 |
40594 |
1852 |
1966 |
2021 |
2817 |
1776 |
1888 |
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V. |
Provisions and contingencies |
219853 |
204838 |
8642 |
11645 |
15039 |
17690 |
5072 |
6041 |
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Total expenses |
1488399 |
1624448 |
68656 |
82429 |
90435 |
104927 |
35559 |
41375 |
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VI. |
Profit (loss) |
83160 |
134925 |
2583 |
4048 |
5000 |
5245 |
1209 |
1706 |
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Total (III+IV+V+VI) |
1571559 |
1759373 |
|
71240 |
86476 |
|
95435 |
110172 |
|
36768 |
43082 |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Items |
State Bank of |
State Bank of |
State Bank of |
State Bank of |
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Mysore |
Patiala |
Saurashtra |
Travancore |
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1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
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|
(9) |
(10) |
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(11) |
(12) |
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(13) |
(14) |
|
(15) |
(16) |
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Income |
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I. |
Interest earned |
48778 |
59979 |
77269 |
90761 |
39851 |
48601 |
76491 |
90873 |
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a) |
Interest/discount on advances/bills |
30941 |
38209 |
43012 |
53647 |
23320 |
29210 |
50976 |
59979 |
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b) |
Income on investments |
15317 |
19459 |
26777 |
31587 |
13832 |
16941 |
22305 |
26931 |
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c) |
Interest on balances with RBI and other |
2190 |
1813 |
5517 |
4728 |
2650 |
1728 |
3002 |
2075 |
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inter-bank funds |
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d) |
Others |
331 |
497 |
1964 |
799 |
49 |
722 |
207 |
1887 |
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II. |
Other income |
8782 |
8725 |
10532 |
9214 |
8315 |
8009 |
11657 |
12419 |
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a) |
Commission, exchange, brokerage, etc. |
6023 |
6387 |
8702 |
7401 |
5573 |
5910 |
8052 |
8775 |
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b) |
Net profit (loss) on sale of investments |
101 |
498 |
2 |
(3) |
3 |
414 |
(676) |
67 |
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c) |
Net profit (loss) on revaluation of investments |
- |
- |
110 |
- |
- |
- |
- |
- |
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d) |
Net profit (loss) on sale of land, building |
3 |
5 |
4 |
10 |
1 |
2 |
5 |
5 |
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& other assets |
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e) |
Net profit (loss) on exchange transaction |
2456 |
1468 |
1714 |
1803 |
1963 |
1332 |
3961 |
3247 |
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f) |
Miscellaneous income |
200 |
368 |
112 |
3 |
774 |
350 |
315 |
324 |
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Total (I+II) |
57561 |
68704 |
|
87801 |
99975 |
|
48166 |
56610 |
|
88148 |
103291 |
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Expenditure & Provisions |
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III. |
Interest expended |
30373 |
36985 |
48246 |
58641 |
24463 |
30792 |
54601 |
66132 |
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a) |
Interest on deposits |
28074 |
36009 |
45881 |
57711 |
22187 |
29104 |
48795 |
60426 |
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b) |
Interest on RBI/inter-bank borrowings |
1431 |
155 |
1870 |
539 |
1249 |
62 |
2694 |
1820 |
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c) |
Others |
868 |
822 |
495 |
391 |
1026 |
1626 |
3111 |
3886 |
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IV. |
Operating expenses |
17104 |
18724 |
20988 |
21701 |
14377 |
13862 |
19761 |
22102 |
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a) |
Payments to and provisions for employees |
13023 |
14229 |
14781 |
16472 |
10862 |
10634 |
13735 |
16707 |
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b) |
Rent, taxes and lighting |
1038 |
1228 |
1212 |
1444 |
862 |
944 |
1184 |
1376 |
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c) |
Printing and stationery |
219 |
250 |
268 |
316 |
226 |
223 |
274 |
326 |
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d) |
Advertisement and publicity |
26 |
26 |
58 |
59 |
27 |
25 |
105 |
51 |
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e) |
Depreciation on Bank's property |
383 |
470 |
397 |
574 |
333 |
363 |
489 |
716 |
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f) |
Directors' fees, allowances and expenses |
5 |
7 |
4 |
8 |
4 |
5 |
7 |
13 |
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g) |
Auditors' fees and expenses |
94 |
129 |
74 |
102 |
62 |
67 |
82 |
89 |
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h) |
Law charges |
12 |
24 |
48 |
58 |
30 |
49 |
8 |
18 |
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i) |
Postage, telegrams, telephones, etc. |
166 |
171 |
402 |
447 |
231 |
203 |
363 |
366 |
|||||||
j) |
Repairs and maintenance |
105 |
208 |
142 |
170 |
107 |
151 |
106 |
157 |
|||||||
k) |
Insurance |
15 |
16 |
1802 |
17 |
643 |
161 |
1621 |
422 |
|||||||
l) |
Other expenditure |
2019 |
1965 |
1800 |
2033 |
991 |
1037 |
1788 |
1860 |
|||||||
V. |
Provisions and contingencies |
7521 |
8971 |
13353 |
13731 |
32357 |
4843 |
11163 |
11033 |
|||||||
Total expenses |
54998 |
64680 |
82587 |
94073 |
71197 |
49497 |
85525 |
99267 |
||||||||
VI. |
Profit (loss) |
2563 |
4024 |
5214 |
5903 |
(23031) |
7113 |
2623 |
4025 |
|||||||
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|
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|
|
|
|
|
|
|
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Total (III+IV+V+VI) |
57561 |
68704 |
|
87801 |
99975 |
|
48166 |
56610 |
|
88148 |
103291 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |