OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Bank of Madura

Bank of Punjab

Bank of

Bareilly Corporation

Rajasthan

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I.

Interest earned

18701

24777

2796

8067

29174

36507

2681

3213

a)

Interest/discount on advances/bills

12366

16581

1157

4475

16464

21663

1020

1222

b)

Income on investments

5422

6306

675

3302

11307

12500

1144

1500

c)

Interest on balances with RBI and other

691

1891

961

291

1245

1949

516

491

inter-bank funds

d)

Others

223

-

3

-

159

394

-

-

II.

Other income

5156

5215

489

2313

4078

4278

302

300

a)

Commission, exchange, brokerage, etc.

1452

2189

262

323

2148

2023

235

218

b)

Net profit (loss) on sale of investments

255

631

20

391

(1054)

(114)

1

-

c)

Net profit (loss) on revaluation of investments

-

-

-

41

(25)

31

6

7

d)

Net profit (loss) on sale of land, building

5

12

-

-

6

3

-

-

& other assets

e)

Net profit (loss) on exchange transaction

885

118

134

726

590

550

-

-

f)

Miscellaneous income

2560

2265

73

833

2414

1786

66

75

Total (I+II)

23858

29993

3285

10381

33252

40786

2983

3513

Expenditure & Provisions

III.

Interest expended

13364

16927

690

5377

20145

26627

1691

2218

a)

Interest on deposits

9980

13997

679

5321

18412

26232

1671

2211

b)

Interest on RBI/inter-bank borrowings

2905

2267

11

56

1732

240

20

7

c)

Others

479

663

-

-

1

156

-

-

IV.

Operating expenses

6820

7965

959

2425

7346

8902

1206

1243

a)

Payments to and provisions for employees

3830

3853

156

373

4774

5320

930

971

b)

Rent, taxes and lighting

347

440

153

329

388

560

74

81

c)

Printing and stationery

103

138

51

129

123

167

14

16

d)

Advertisement and publicity

173

96

78

163

105

96

1

3

e)

Depreciation on Bank's property

1400

2067

75

613

314

1306

17

16

f)

Directors' fees, allowances and expenses

2

2

14

21

11

14

1

1

g)

Auditors' fees and expenses

7

8

8

7

19

20

2

3

h)

Law charges

34

24

-

-

26

33

41

13

i)

Postage, telegrams, telephones, etc.

109

144

52

149

203

223

21

23

j)

Repairs and maintenance

76

100

16

56

34

77

4

3

k)

Insurance

63

77

18

38

13

183

14

17

l)

Other expenditure

676

1017

338

546

1336

902

89

96

V.

Provisions and contingencies

2561

2524

300

335

1095

4466

499

27

Total expenses

22745

27415

1949

8136

28586

39995

3396

3488

VI.

Profit (loss)

1113

2577

1336

2244

4666

791

(413)

25

Total (III+IV+V+VI)

23858

29993

3285

10381

33252

40786

2983

3513

(Amount in Rs. lakh)

For the year ended 31st March

Items

Benares State

Bharat Overseas

Catholic Syrian

Centurion

Bank

Bank

Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I.

Interest earned

4933

6287

8648

9353

16822

21634

4015

10420

a)

Interest/discount on advances/bills

1821

2727

5634

6666

11056

15458

2745

8120

b)

Income on investments

2338

2938

2193

2236

5122

5626

587

1829

c)

Interest on balances with RBI and other

774

622

821

452

538

461

483

117

inter-bank funds

d)

Others

-

-

-

-

106

89

200

354

II.

Other income

893

1374

1180

1036

2130

1978

418

975

a)

Commission, exchange, brokerage, etc.

261

217

526

486

559

643

204

462

b)

Net profit (loss) on sale of investments

-

277

1

1

406

173

173

155

c)

Net profit (loss) on revaluation of investments

-

-

-

-

(3)

-

(25)

-

d)

Net profit (loss) on sale of land, building

1

-

1

4

2

8

-

-

& other assets

e)

Net profit (loss) on exchange transaction

20

126

602

506

354

165

64

-

f)

Miscellaneous income

610

753

51

38

809

990

2

358

Total (I+II)

5826

7661

9828

10389

18953

23612

4433

11395

Expenditure & Provisions

III.

Interest expended

3557

4726

5476

6380

12143

16493

2301

6816

a)

Interest on deposits

3390

4706

5239

6130

11239

15757

1920

5794

b)

Interest on RBI/inter-bank borrowings

144

15

87

99

399

170

228

990

c)

Others

23

6

150

150

505

566

153

32

IV.

Operating expenses

2088

2265

2371

2270

4834

5719

1092

1860

a)

Payments to and provisions for employees

1474

1528

1341

1159

3448

3590

123

238

b)

Rent, taxes and lighting

94

170

343

399

371

481

255

409

c)

Printing and stationery

33

31

28

43

112

154

30

49

d)

Advertisement and publicity

18

14

67

81

67

55

30

56

e)

Depreciation on Bank's property

83

95

111

110

185

735

183

375

f)

Directors' fees, allowances and expenses

12

6

4

4

7

14

1

1

g)

Auditors' fees and expenses

14

15

8

7

6

8

3

4

h)

Law charges

49

19

4

8

5

7

1

1

i)

Postage, telegrams, telephones, etc.

50

46

57

70

162

152

63

73

j)

Repairs and maintenance

13

32

17

21

22

30

29

103

k)

Insurance

83

50

33

34

63

80

8

20

l)

Other expenditure

167

259

357

335

386

412

366

531

V.

Provisions and contingencies

1962

524

1031

708

1939

1000

(20)

1165

Total expenses

7607

7516

8878

9357

18915

23212

3373

9841

VI.

Profit (loss)

(1782)

145

951

1032

37

400

1060

1554

Total (III+IV+V+VI)

5826

7661

9828

10389

18953

23612

4433

11395

(Amount in Rs. lakh)

For the year ended 31st March

Items

City Union

Development Credit

Dhanalakshmi

Federal

Bank

Bank

Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I.

Interest earned

7508

9850

8845

12736

8427

12466

42314

58750

a)

Interest/discount on advances/bills

5461

7338

5572

8755

6008

8609

28544

38448

b)

Income on investments

1734

2179

2451

3719

2144

3023

12176

15057

c)

Interest on balances with RBI and other

183

151

823

262

270

827

1475

4583

inter-bank funds

d)

Others

130

182

-

-

5

6

119

661

II.

Other income

1403

1819

625

2470

702

1235

8425

7148

a)

Commission, exchange, brokerage, etc.

750

948

381

618

531

900

1840

2147

b)

Net profit (loss) on sale of investments

35

2

-

653

8

136

(94)

638

c)

Net profit (loss) on revaluation of investments

-

-

-

-

-

-

(8)

269

d)

Net profit (loss) on sale of land, building

2

2

-

40

8

1

9

7

& other assets

e)

Net profit (loss) on exchange transaction

286

389

-

65

-

-

1325

1285

f)

Miscellaneous income

330

479

244

1095

155

198

5352

2802

Total (I+II)

8911

11669

9471

15206

9129

13700

50739

65898

Expenditure & Provisions

III.

Interest expended

5056

7243

4273

8058

5849

9620

31687

47208

a)

Interest on deposits

4253

6680

4266

7956

5366

8905

28082

45584

b)

Interest on RBI/inter-bank borrowings

507

238

6

102

203

188

2584

352

c)

Others

296

325

-

-

279

527

1021

1273

IV.

Operating expenses

1692

2060

2375

3989

2061

2433

10511

11277

a)

Payments to and provisions for employees

1085

1223

1153

1828

1466

1485

6659

6740

b)

Rent, taxes and lighting

88

106

148

217

126

231

492

652

c)

Printing and stationery

58

74

76

118

65

70

152

182

d)

Advertisement and publicity

44

39

53

79

122

73

157

124

e)

Depreciation on Bank's property

116

224

415

1000

75

139

1612

1905

f)

Directors' fees, allowances and expenses

1

1

4

18

-

1

9

19

g)

Auditors' fees and expenses

2

3

7

9

2

3

33

56

h)

Law charges

-

-

44

60

1

60

13

16

i)

Postage, telegrams, telephones, etc.

69

80

32

62

52

68

151

166

j)

Repairs and maintenance

20

23

74

69

12

27