Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 3 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 3 of 26)
NATIONALISED BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Items |
Punjab National |
Punjab & Sind Bank |
Syndicate Bank |
Union Bank of India |
||||||||||
|
Bank |
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|
|
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
(25) |
(26) |
|
(27) |
(28) |
|
(29) |
(30) |
|
(31) |
(32) |
|
Income |
||||||||||||||
I. |
Interest earned |
316773 |
365400 |
65399 |
73213 |
136792 |
159791 |
198424 |
230224 |
|||||
a) |
Interest/discount on advances/bills |
151799 |
195412 |
35313 |
40947 |
60091 |
71659 |
108651 |
129462 |
|||||
b) |
Income on investments |
142421 |
152540 |
26911 |
29308 |
68443 |
80198 |
76717 |
89290 |
|||||
c) |
Interest on balances with RBI and other |
17488 |
16884 |
2981 |
2796 |
7723 |
5979 |
12188 |
9839 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
5065 |
563 |
194 |
162 |
536 |
1955 |
869 |
1632 |
|||||
II. |
Other income |
31520 |
46879 |
7365 |
9157 |
14249 |
15659 |
18820 |
19879 |
|||||
a) |
Commission, exchange, brokerage, etc. |
20775 |
24837 |
3374 |
3563 |
7573 |
8028 |
9317 |
10092 |
|||||
b) |
Net profit (loss) on sale of investments |
(385) |
3427 |
(93) |
590 |
227 |
40 |
55 |
(187) |
|||||
c) |
Net profit (loss) on revaluation of investments |
(26) |
614 |
432 |
- |
(142) |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
61 |
65 |
128 |
13 |
27 |
23 |
12 |
9 |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
7789 |
7307 |
1824 |
2681 |
3506 |
3478 |
6624 |
5516 |
|||||
f) |
Miscellaneous income |
3307 |
10629 |
1701 |
2310 |
3057 |
4090 |
2812 |
4449 |
|||||
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|
|
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|
|
|
|
|
|
||||
|
Total (I+II) |
348293 |
412279 |
|
72764 |
82370 |
|
151041 |
175450 |
|
217244 |
250103 |
||
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
208901 |
243870 |
49812 |
53456 |
87059 |
104290 |
128718 |
153899 |
|||||
a) |
Interest on deposits |
191999 |
234256 |
44016 |
50990 |
82843 |
101681 |
124329 |
151788 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
5972 |
585 |
1910 |
1481 |
778 |
242 |
4363 |
1806 |
|||||
c) |
Others |
10929 |
9029 |
3886 |
984 |
3438 |
2367 |
26 |
305 |
|||||
IV. |
Operating expenses |
100964 |
106442 |
22112 |
23250 |
54042 |
61296 |
57424 |
62072 |
|||||
a) |
Payments to and provisions for employees |
75784 |
81102 |
16311 |
16614 |
41955 |
48312 |
38684 |
41656 |
|||||
b) |
Rent, taxes and lighting |
4145 |
4734 |
1273 |
1419 |
3122 |
3384 |
3228 |
3496 |
|||||
c) |
Printing and stationery |
1529 |
1838 |
375 |
455 |
485 |
564 |
1170 |
1462 |
|||||
d) |
Advertisement and publicity |
166 |
159 |
96 |
99 |
48 |
49 |
301 |
444 |
|||||
e) |
Depreciation on Bank's property |
2478 |
2881 |
899 |
917 |
850 |
867 |
1625 |
2841 |
|||||
f) |
Directors' fees, allowances and expenses |
13 |
16 |
5 |
8 |
11 |
10 |
15 |
24 |
|||||
g) |
Auditors' fees and expenses |
388 |
310 |
110 |
110 |
184 |
227 |
270 |
293 |
|||||
h) |
Law charges |
508 |
480 |
29 |
38 |
23 |
83 |
192 |
299 |
|||||
i) |
Postage, telegrams, telephones, etc. |
1424 |
1576 |
385 |
436 |
620 |
699 |
776 |
885 |
|||||
j) |
Repairs and maintenance |
744 |
881 |
244 |
271 |
298 |
379 |
666 |
724 |
|||||
k) |
Insurance |
4514 |
4199 |
493 |
498 |
1967 |
1933 |
4458 |
3767 |
|||||
l) |
Other expenditure |
9271 |
8268 |
1892 |
2385 |
4478 |
4788 |
6039 |
6181 |
|||||
V. |
Provisions and contingencies |
48020 |
38195 |
14058 |
3663 |
7923 |
3169 |
23053 |
12564 |
|||||
Total expenses |
357885 |
388508 |
85982 |
80370 |
149024 |
168755 |
209195 |
228535 |
||||||
VI. |
Profit (loss) |
(9592) |
23771 |
(13218) |
2000 |
2017 |
6696 |
8049 |
21568 |
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|
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|
|
|
|
|
|
|
||||
Total (III+IV+V+VI) |
348293 |
412279 |
|
72764 |
82370 |
|
151041 |
175450 |
|
217244 |
250103 |
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|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended 31st March |
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Items |
United Bank of India |
United Commercial |
Vijaya Bank |
||||||||
|
|
Bank |
|
||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
(33) |
(34) |
|
(35) |
(36) |
|
(37) |
(38) |
|
Income |
|||||||||||
I. |
Interest earned |
82312 |
100688 |
120343 |
130306 |
66873 |
73280 |
||||
a) |
Interest/discount on advances/bills |
33435 |
38408 |
58328 |
58277 |
32159 |
36831 |
||||
b) |
Income on investments |
43128 |
57468 |
51015 |
59777 |
31389 |
33385 |
||||
c) |
Interest on balances with RBI and other |
5379 |
4547 |
10629 |
11059 |
2982 |
2597 |
||||
inter-bank funds |
|||||||||||
d) |
Others |
371 |
264 |
372 |
1193 |
344 |
467 |
||||
II. |
Other income |
9825 |
9726 |
14465 |
12717 |
6456 |
6332 |
||||
a) |
Commission, exchange, brokerage, etc. |
5381 |
5870 |
7804 |
7732 |
2947 |
3164 |
||||
b) |
Net profit (loss) on sale of investments |
153 |
669 |
1482 |
378 |
164 |
58 |
||||
c) |
Net profit (loss) on revaluation of investments |
- |
185 |
- |
391 |
- |
- |
||||
d) |
Net profit (loss) on sale of land, building |
- |
6 |
- |
1 |
18 |
11 |
||||
& other assets |
|||||||||||
e) |
Net profit (loss) on exchange transaction |
1901 |
409 |
1947 |
1967 |
1746 |
1137 |
||||
f) |
Miscellaneous income |
2390 |
2587 |
3233 |
2248 |
1580 |
1961 |
||||
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|
|
|
|
|
|
|
||||
|
Total (I+II) |
92137 |
110414 |
|
134808 |
143022 |
|
73329 |
79612 |
||
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
64759 |
80053 |
86773 |
98682 |
48581 |
49877 |
||||
a) |
Interest on deposits |
62064 |
78898 |
77543 |
96033 |
41662 |
47923 |
||||
b) |
Interest on RBI/inter-bank borrowings |
1360 |
168 |
7847 |
2334 |
2425 |
424 |
||||
c) |
Others |
1336 |
987 |
1383 |
315 |
4495 |
1531 |
||||
IV. |
Operating expenses |
32402 |
35858 |
50648 |
51617 |
24256 |
26257 |
||||
a) |
Payments to and provisions for employees |
26552 |
29051 |
42467 |
42258 |
17702 |
19166 |
||||
b) |
Rent, taxes and lighting |
1550 |
1582 |
2586 |
2622 |
2097 |
2419 |
||||
c) |
Printing and stationery |
674 |
582 |
549 |
589 |
304 |
337 |
||||
d) |
Advertisement and publicity |
26 |
41 |
69 |
70 |
140 |
32 |
||||
e) |
Depreciation on Bank's property |
405 |
406 |
645 |
662 |
927 |
1226 |
||||
f) |
Directors' fees, allowances and expenses |
11 |
15 |
11 |
18 |
15 |
19 |
||||
g) |
Auditors' fees and expenses |
142 |
116 |
180 |
309 |
101 |
130 |
||||
h) |
Law charges |
34 |
48 |
55 |
90 |
22 |
30 |
||||
i) |
Postage, telegrams, telephones, etc. |
252 |
254 |
254 |
268 |
233 |
210 |
||||
j) |
Repairs and maintenance |
268 |
354 |
127 |
134 |
140 |
103 |
||||
k) |
Insurance |
396 |
521 |
486 |
577 |
472 |
365 |
||||
l) |
Other expenditure |
2094 |
2888 |
3218 |
4022 |
2104 |
2221 |
||||
V. |
Provisions and contingencies |
18423 |
5867 |
21053 |
10347 |
25586 |
1581 |
||||
Total expenses |
115584 |
121778 |
158474 |
160646 |
98424 |
77715 |
|||||
VI. |
Profit (loss) |
(23447) |
(11364) |
(23666) |
(17623) |
(25095) |
1896 |
||||
|
|
|
|
|
|
|
|
||||
Total (III+IV+V+VI) |
92137 |
110414 |
|
134808 |
143022 |
|
73329 |
79612 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |