Table 5 : Bank Group-Wise Income and Expenditure of Scheduled Commercial Banks in India - 1997-98 - आरबीआई - Reserve Bank of India
Table 5 : Bank Group-Wise Income and Expenditure of Scheduled Commercial Banks in India - 1997-98
| | | | | | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||||||
Items | State Bank of India | Nationalised Banks | Other Scheduled | Foreign Banks | Regional Rural | Total | ||||||||
and its Associates | | Commercial Banks | | Banks | | |||||||||
1997 | 1998 | 1997 | 1998 | 1997 | 1998 | 1997 | 1998 | 1997 | 1998 | 1997 | 1998 | |||
| | | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | (9) | (10) | (11) | (12) |
Number of reporting banks | 8 | 8 | 19 | 19 | 34 | 34 | 33 | 42 | 191 | 196 | 285 | 299 | ||
I. | Interest earned | 1992303 | 2120884 | 3398785 | 3785799 | 622590 | 788214 | 611472 | 678311 | 198983 | 261284 | 6824133 | 7634492 | |
a) | Interest/discount on advances/bills | 1120189 | 1080976 | 1853650 | 1879878 | 417332 | 463409 | 417301 | 426067 | 70234 | 96176 | 3878706 | 3946506 | |
b) | Income on Investments | 714570 | 844341 | 1339016 | 1669400 | 176578 | 284630 | 152430 | 198301 | 68063 | 89533 | 2450657 | 3086205 | |
c) | Interest on balances with | 92367 | 80270 | 178237 | 196884 | 25102 | 35846 | 30471 | 44457 | 54861 | 68070 | 381038 | 425527 | |
RBI and other inter-bank funds | ||||||||||||||
d) | Others | 65177 | 115297 | 27882 | 39637 | 3578 | 4329 | 11270 | 9486 | 5825 | 7505 | 113732 | 176254 | |
II. | Other income | 335380 | 366226 | 400639 | 497294 | 95160 | 156683 | 138432 | 191424 | 10192 | 14348 | 979803 | 1225975 | |
a) | Commission, exchange and brokerage | 235264 | 264751 | 219558 | 232344 | 43729 | 51938 | 83653 | 102186 | 4136 | 4877 | 586340 | 656096 | |
b) | Net Profit (loss) on sale of investments | 3584 | 17418 | 19350 | 80573 | 9417 | 56374 | 9599 | 32508 | 32 | -- | 41982 | 186873 | |
i) Profit on sale of investments | 3818 | 17741 | 22913 | 83244 | 10456 | 56643 | 9957 | 32821 | 32 | -- | 47176 | 190449 | ||
ii) Loss on sale of investments | 234 | 323 | 3563 | 2671 | 1039 | 269 | 358 | 313 | -- | -- | 5194 | 3576 | ||
c) | Net Profit (loss) on sale of land, | 62 | 133 | 439 | 3512 | 88 | (44) | (116) | (90) | 18 | -- | 491 | 3511 | |
building & other assets | ||||||||||||||
i) Profit on sale of land, | 68 | 137 | 456 | 3567 | 112 | 43 | 41 | 56 | 20 | -- | 697 | 3803 | ||
building & other assets | ||||||||||||||
ii) Loss on sale of land, | 6 | 4 | 17 | 55 | 24 | 87 | 157 | 146 | 2 | -- | 206 | 292 | ||
building & other assets | ||||||||||||||
d) | Net Profit (loss) on exchange transaction | 84134 | 65076 | 73421 | 90886 | 14253 | 20266 | 42624 | 52821 | -- | -- | 214432 | 229049 | |
i) Profit on exchange transaction | 84134 | 65076 | 74563 | 93210 | 14673 | 20266 | 94947 | 120481 | -- | -- | 268317 | 299033 | ||
ii) Loss on exchange transaction | -- | -- | 1142 | 2324 | 420 | -- | 52323 | 67660 | -- | -- | 53885 | 69984 | ||
e) | Miscellaneous income | 12336 | 18848 | 87871 | 89979 | 27673 | 28149 | 2672 | 3999 | 6006 | 9471 | 136558 | 150446 | |
Total (I+II) | 2327683 | 2487110 | 3799424 | 4283093 | 717750 | 944897 | 749904 | 869735 | 209175 | 275632 | 7803936 | 8860467 | ||
III. | Interest expended | 1281944 | 1390414 | 2351915 | 2626049 | 451754 | 590473 | 386644 | 422227 | 142163 | 176656 | 4614420 | 5205819 | |
a) | Interest on deposits | 1136342 | 1284132 | 2206289 | 2508473 | 413642 | 551083 | 313954 | 333536 | 120905 | 152194 | 4191132 | 4829418 | |
b) | Interest on RBI/inter-bank borrowings | 51874 | 52782 | 51782 | 45006 | 17082 | 19129 | 51194 | 71607 | 15676 | 19825 | 187608 | 208349 | |
c) | Others | 93728 | 53500 | 93844 | 72570 | 21030 | 20261 | 21496 | 17084 | 5582 | 4637 | 235680 | 168052 | |
IV. | Operating expenses | 599958 | 623462 | 1003514 | 1103925 | 138090 | 172774 | 166345 | 193120 | 78066 | 84311 | 1985973 | 2177592 | |
a) | Payments to and provisions for employees | 435309 | 467532 | 727844 | 795297 | 71937 | 84952 | 58761 | 61829 | 65645 | 73441 | 1359496 | 1483051 | |
b) | Rent, taxes and lighting | 39642 | 44964 | 68463 | 78575 | 12249 | 18041 | 14397 | 19236 | 1640 | 1933 | 136391 | 162749 | |
c) | Printing and stationery | 9848 | 11238 | 17794 | 18143 | 3052 | 4084 | 5043 | 5043 | 1007 | 1072 | 36744 | 39580 | |
d) | Advertisement and publicity | 1496 | 1938 | 3409 | 4587 | 2647 | 3656 | 10195 | 10498 | 18 | 19 | 17765 | 20698 | |
e) | Depreciation on bank's property | 13384 | 20904 | 32710 | 39209 | 18875 | 23068 | 12536 | 15838 | 637 | 610 | 78142 | 99629 | |
f) | Directors' fees, allowances and expenses | 118 | 116 | 273 | 328 | 216 | 258 | 100 | 104 | 6 | 7 | 713 | 813 | |
g) | Auditors' fees and expenses | 2062 | 2495 | 4560 | 6182 | 344 | 434 | 166 | 199 | 165 | 167 | 7297 | 9477 | |
h) | Law charges | 1929 | 1654 | 6655 | 5752 | 524 | 1277 | 1707 | 2547 | 57 | 89 | 10872 | 11319 | |
i) | Postage, telegrams, telephones, etc. | 7792 | 8817 | 11777 | 13257 | 3751 | 5278 | 10304 | 12579 | 447 | 607 | 34071 | 40538 | |
j) | Repairs and maintenance | 4899 | 5475 | 11536 | 13308 | 2659 | 4032 | 7660 | 10275 | 175 | 192 | 26929 | 33282 | |
k) | Insurance | 29318 | 7306 | 26666 | 24486 | 2460 | 3340 | 2771 | 2975 | 1904 | 1505 | 63119 | 39612 | |
l) | Other expenditure | 54161 | 51023 | 91827 | 104801 | 19376 | 24354 | 42705 | 51997 | 6365 | 4669 | 214434 | 236844 | |
V. | Provisions and contingencies | 278792 | 232086 | 299476 | 296391 | 63040 | 97459 | 119897 | 191395 | 65572 | 7538 | 826777 | 824869 | |
Total expenses | 2160694 | 2245962 | 3654905 | 4026365 | 652884 | 860706 | 672886 | 806742 | 285801 | 268505 | 7427170 | 8208280 | ||
VI. | Profit (loss) | 166989 | 241148 | 144519 | 256728 | 64866 | 84191 | 77018 | 62993 | (76626) | 7127 | 376766 | 652187 |
Note | : | Figures in bracket indicate loss. |
-- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |