Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 4 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 4 of 26)
OTHER SCHEDULED COMMERCIAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Items |
Bank of Madura |
Bank of Punjab |
Bank of |
Bareilly Corporation |
||||||||||||
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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 |
|||||||
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|
||||||
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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 |
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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 |
|||||||
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Total (III+IV+V+VI) |
23858 |
29993 |
|
3285 |
10381 |
|
33252 |
40786 |
|
2983 |
3513 |
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(Amount in Rs. lakh) |
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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) |
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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 |
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inter-bank funds |
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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 |
||||||||
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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 |
||||||||
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|
|
|
|
|
|
|
|
|
|||||||
Total (III+IV+V+VI) |
5826 |
7661 |
|
9828 |
10389 |
|
18953 |
23612 |
|
4433 |
11395 |
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(Amount in Rs. lakh) |
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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 |
88 |
186 |
|||||||
k) |
Insurance |
32 |
41 |
38 |
46 |
27 |
35 |
140 |
192 |
|||||||
l) |
Other expenditure |
177 |
245 |
331 |
485 |
113 |
241 |
1004 |
1040 |
|||||||
V. |
Provisions and contingencies |
1209 |
1256 |
685 |
904 |
748 |
856 |
4023 |
2789 |
|||||||
Total expenses |
7957 |
10559 |
7333 |
12951 |
8657 |
12909 |
46221 |
61275 |
||||||||
VI. |
Profit (loss) |
954 |
1111 |
2138 |
2255 |
472 |
791 |
4518 |
4623 |
|||||||
|
|
|
|
|
|
|
|
|
|
|
||||||
Total (III+IV+V+VI) |
8911 |
11669 |
|
9471 |
15206 |
|
9129 |
13700 |
|
50739 |
65898 |
Note |
: Figures in bracket indicate loss. |
||||||||||
- |
: Nil or negligible. |
||||||||||
Source |
: Annual accounts of banks. |