Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 3 of 7) - आरबीआई - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 3 of 7)
OTHER SCHEDULED COMMERCIAL BANKS |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Benares State |
Bharat Overseas |
Catholic Syrian |
Centurion Bank |
|||||||
Items |
Bank |
Bank |
Bank |
|
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
||||||||||
I. |
Interest Earned |
6287 |
7844 |
9353 |
12561 |
21634 |
23869 |
10420 |
17264 |
|
a) |
Interest/discount on advances/bills |
2727 |
3361 |
6666 |
6121 |
15458 |
15872 |
8120 |
11309 |
|
b) |
Income on Investments |
2938 |
4170 |
2236 |
4324 |
5626 |
7310 |
1829 |
5140 |
|
c) |
Interest on balances with |
622 |
313 |
452 |
2116 |
461 |
627 |
117 |
765 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
89 |
59 |
354 |
49 |
|
II. |
Other income |
1374 |
1424 |
1036 |
1393 |
1978 |
3041 |
975 |
3140 |
|
a) |
Commission, exchange and brokerage |
217 |
292 |
486 |
554 |
643 |
628 |
462 |
679 |
|
b) |
Net Profit on sale of investments |
277 |
167 |
1 |
94 |
173 |
1396 |
155 |
1352 |
|
c) |
Net Profit on sale of land, |
- |
- |
4 |
1 |
8 |
1 |
- |
- |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
126 |
204 |
506 |
617 |
165 |
507 |
- |
379 |
|
e) |
Miscellaneous income |
753 |
760 |
38 |
127 |
990 |
510 |
358 |
731 |
|
Total (I+II) |
7661 |
9268 |
10389 |
13953 |
23612 |
26910 |
11395 |
20404 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
4726 |
5898 |
6380 |
9301 |
16493 |
18948 |
6816 |
13231 |
|
a) |
Interest on deposits |
4706 |
5818 |
6130 |
8963 |
15757 |
18216 |
5794 |
12461 |
|
b) |
Interest on RBI/inter-bank borrowings |
15 |
78 |
99 |
188 |
170 |
64 |
990 |
681 |
|
c) |
Others |
6 |
2 |
150 |
150 |
566 |
669 |
32 |
89 |
|
IV. |
Operating expenses |
2265 |
2539 |
2270 |
2660 |
5719 |
6030 |
1860 |
3340 |
|
a) |
Payments to and provisions for employees |
1528 |
1732 |
1159 |
1381 |
3590 |
3913 |
238 |
402 |
|
b) |
Rent, taxes and lighting |
170 |
243 |
399 |
494 |
481 |
549 |
409 |
574 |
|
c) |
Printing and stationery |
31 |
61 |
43 |
46 |
154 |
145 |
49 |
88 |
|
d) |
Advertisement and publicity |
14 |
7 |
81 |
62 |
55 |
22 |
56 |
131 |
|
e) |
Depreciation on Bank's property |
95 |
124 |
110 |
124 |
735 |
518 |
375 |
- |
|
f) |
Directors' fees, allowances and expenses |
6 |
13 |
4 |
7 |
14 |
10 |
1 |
1 |
|
g) |
Auditors' fees and expenses |
15 |
18 |
7 |
7 |
8 |
9 |
4 |
5 |
|
h) |
Law charges |
19 |
7 |
8 |
19 |
7 |
9 |
1 |
11 |
|
i) |
Postage, telegrams, telephones, etc. |
46 |
57 |
70 |
70 |
152 |
155 |
73 |
98 |
|
j) |
Repairs and maintenance |
32 |
18 |
21 |
35 |
30 |
33 |
103 |
109 |
|
k) |
Insurance |
50 |
87 |
34 |
58 |
80 |
96 |
20 |
51 |
|
l) |
Other expenditure |
259 |
172 |
335 |
357 |
412 |
571 |
531 |
1871 |
|
V. |
Provisions and contingencies |
524 |
731 |
708 |
881 |
1000 |
1222 |
1165 |
1826 |
|
Total expenses* |
6992 |
8436 |
8650 |
11961 |
22212 |
24978 |
8676 |
16571 |
||
VI. |
Profit |
145 |
100 |
1032 |
1112 |
400 |
709 |
1554 |
2007 |
|
Total (III+IV+V+VI) |
7661 |
9268 |
10389 |
13953 |
23612 |
26910 |
11395 |
20404 |
||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
City Union |
Development Credit |
Dhanalakshmi |
Federal Bank |
|||||||
Items |
Bank |
Bank |
Bank |
|
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
Income |
||||||||||
I. |
Interest Earned |
9850 |
12123 |
12736 |
15067 |
12466 |
13353 |
58750 |
70158 |
|
a) |
Interest/discount on advances/bills |
7338 |
8453 |
8755 |
9644 |
8609 |
8668 |
38448 |
42766 |
|
b) |
Income on Investments |
2179 |
2696 |
3719 |
5042 |
3023 |
4191 |
15057 |
23901 |
|
c) |
Interest on balances with |
151 |
196 |
262 |
380 |
827 |
494 |
4583 |
3105 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
182 |
778 |
- |
- |
6 |
1 |
661 |
385 |
|
II. |
Other income |
1819 |
2114 |
2470 |
5834 |
1235 |
1459 |
7148 |
9254 |
|
a) |
Commission, exchange and brokerage |
948 |
990 |
618 |
691 |
900 |
1092 |
2147 |
2696 |
|
b) |
Net Profit on sale of investments |
2 |
66 |
653 |
3719 |
136 |
208 |
639 |
3310 |
|
c) |
Net Profit on sale of land, |
2 |
1 |
40 |
- |
1 |
1 |
7 |
-67 |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
389 |
511 |
65 |
302 |
- |
9 |
1285 |
1076 |
|
e) |
Miscellaneous income |
479 |
546 |
1095 |
1122 |
198 |
150 |
3070 |
2240 |
|
Total (I+II) |
11669 |
14237 |
15206 |
20900 |
13700 |
14812 |
65898 |
79412 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
7243 |
9726 |
8058 |
11477 |
9620 |
10128 |
47208 |
56372 |
|
a) |
Interest on deposits |
6680 |
9281 |
7956 |
10961 |
8905 |
9260 |
45584 |
53563 |
|
b) |
Interest on RBI/inter-bank borrowings |
238 |
142 |
102 |
382 |
188 |
299 |
352 |
1074 |
|
c) |
Others |
325 |
304 |
- |
134 |
527 |
570 |
1273 |
1735 |
|
IV. |
Operating expenses |
2060 |
2375 |
3989 |
4352 |
2433 |
2791 |
11277 |
13766 |
|
a) |
Payments to and provisions for employees |
1223 |
1431 |
1828 |
2042 |
1485 |
1689 |
6740 |
7890 |
|
b) |
Rent, taxes and lighting |
106 |
126 |
217 |
244 |
231 |
370 |
652 |
897 |
|
c) |
Printing and stationery |
74 |
67 |
118 |
91 |
70 |
76 |
182 |
214 |
|
d) |
Advertisement and publicity |
39 |
53 |
79 |
77 |
73 |
55 |
124 |
180 |
|
e) |
Depreciation on Bank's property |
224 |
248 |
1000 |
1019 |
139 |
186 |
1905 |
1876 |
|
f) |
Directors' fees, allowances and expenses |
1 |
2 |
18 |
21 |
1 |
9 |
19 |
8 |
|
g) |
Auditors' fees and expenses |
3 |
3 |
9 |
15 |
3 |
4 |
56 |
59 |
|
h) |
Law charges |
- |
1 |
60 |
109 |
60 |
4 |
16 |
16 |
|
i) |
Postage, telegrams, telephones, etc. |
80 |
85 |
62 |
83 |
68 |
61 |
166 |
185 |
|
j) |
Repairs and maintenance |
23 |
24 |
69 |
92 |
27 |
48 |
186 |
289 |
|
k) |
Insurance |
41 |
58 |
46 |
45 |
35 |
43 |
192 |
234 |
|
l) |
Other expenditure |
245 |
276 |
485 |
514 |
241 |
245 |
1040 |
1918 |
|
V. |
Provisions and contingencies |
1256 |
991 |
904 |
2069 |
856 |
1052 |
2789 |
4246 |
|
Total expenses* |
9302 |
12101 |
12047 |
15829 |
12053 |
12920 |
58485 |
70138 |
||
VI. |
Profit |
1111 |
1145 |
2255 |
3002 |
791 |
840 |
4623 |
5028 |
|
Total (III+IV+V+VI) |
11669 |
14237 |
15206 |
20900 |
13700 |
14812 |
65898 |
79412 |
||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Items |
Ganesh Bank of |
Global Trust |
HDFC |
ICICI |
||||||
Kurundwad |
Bank |
Bank |
Bank |
|||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
|
Income |
||||||||||
I. |
Interest Earned |
850 |
1105 |
35683 |
39408 |
16174 |
24080 |
18268 |
25970 |
|
a) |
Interest/discount on advances/bills |
638 |
831 |
28519 |
26938 |
9209 |
11767 |
13406 |
14325 |
|
b) |
Income on Investments |
195 |
246 |
6847 |
11673 |
6195 |
10391 |
4228 |
8073 |
|
c) |
Interest on balances with |
- |
12 |
199 |
728 |
713 |
1861 |
287 |
3214 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
17 |
17 |
118 |
68 |
57 |
61 |
348 |
357 |
|
II. |
Other income |
67 |
91 |
9014 |
12704 |
3159 |
6201 |
4262 |
8505 |
|
a) |
Commission, exchange and brokerage |
27 |
39 |
4542 |
3975 |
2099 |
3047 |
1485 |
2517 |
|
b) |
Net Profit on sale of investments |
-1 |
- |
938 |
4032 |
454 |
2097 |
1316 |
3524 |
|
c) |
Net Profit on sale of land, |
- |
- |
- |
- |
- |
-10 |
-4 |
-4 |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
- |
- |
1682 |
2296 |
604 |
1067 |
860 |
1711 |
|
e) |
Miscellaneous income |
41 |
52 |
1852 |
2401 |
2 |
- |
604 |
757 |
|
Total (I+II) |
918 |
1197 |
44697 |
52112 |
19333 |
30281 |
22530 |
34475 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
591 |
839 |
28976 |
32279 |
8718 |
13755 |
11709 |
18668 |
|
a) |
Interest on deposits |
542 |
775 |
25126 |
30276 |
7111 |
10397 |
9717 |
16195 |
|
b) |
Interest on RBI/inter-bank borrowings |
49 |
65 |
3583 |
1376 |
1607 |
3163 |
540 |
1010 |
|
c) |
Others |
- |
- |
267 |
627 |
- |
195 |
1451 |
1463 |
|
IV. |
Operating expenses |
216 |
275 |
5335 |
7127 |
4218 |
6271 |
4049 |
5761 |
|
a) |
Payments to and provisions for employees |
122 |
142 |
626 |
889 |
1019 |
1485 |
617 |
1227 |
|
b) |
Rent, taxes and lighting |
9 |
33 |
694 |
878 |
978 |
1108 |
488 |
771 |
|
c) |
Printing and stationery |
8 |
9 |
122 |
213 |
266 |
328 |
120 |
295 |
|
d) |
Advertisement and publicity |
1 |
1 |
180 |
464 |
231 |
339 |
81 |
205 |
|
e) |
Depreciation on Bank's property |
21 |
46 |
1959 |
2706 |
628 |
1069 |
824 |
1447 |
|
f) |
Directors' fees, allowances and expenses |
1 |
1 |
3 |
10 |
1 |
2 |
2 |
5 |
|
g) |
Auditors' fees and expenses |
- |
- |
15 |
17 |
8 |
8 |
7 |
11 |
|
h) |
Law charges |
2 |
3 |
41 |
32 |
5 |
1 |
37 |
33 |
|
i) |
Postage, telegrams, telephones, etc. |
7 |
11 |
266 |
249 |
333 |
599 |
126 |
215 |
|
j) |
Repairs and maintenance |
1 |
1 |
138 |
264 |
238 |
468 |
252 |
420 |
|
k) |
Insurance |
4 |
5 |
161 |
271 |
62 |
91 |
66 |
114 |
|
l) |
Other expenditure |
40 |
23 |
1130 |
1134 |
449 |
773 |
1428 |
1017 |
|
V. |
Provisions and contingencies |
84 |
74 |
4646 |
4692 |
2347 |
3940 |
2760 |
5024 |
|
Total expenses* |
807 |
1114 |
34311 |
39406 |
12936 |
20026 |
15758 |
24429 |
||
VI. |
Profit |
26 |
8 |
5740 |
8013 |
4050 |
6315 |
4013 |
5022 |
|
Total (III+IV+V+VI) |
918 |
1197 |
44697 |
52112 |
19333 |
30281 |
22530 |
34475 |
||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
IDBI |
Induslnd |
Jammu & Kashmir |
Karnataka |
|||||||
Items |
Bank |
Bank |
Bank |
Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
Income |
||||||||||
I. |
Interest Earned |
4388 |
14925 |
40930 |
55104 |
39958 |
53057 |
33567 |
42992 |
|
a) |
Interest/discount on advances/bills |
2875 |
8815 |
30191 |
34332 |
21557 |
25887 |
21990 |
25691 |
|
b) |
Income on Investments |
1151 |
5731 |
10069 |
19127 |
15647 |
24851 |
10003 |
16086 |
|
c) |
Interest on balances with |
359 |
307 |
670 |
1420 |
2754 |
2319 |
1322 |
1034 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
3 |
72 |
- |
225 |
- |
- |
252 |
181 |
|
II. |
Other income |
605 |
1763 |
8187 |
15483 |
2974 |
5749 |
3661 |
4786 |
|
a) |
Commission, exchange and brokerage |
397 |
885 |
3149 |
3563 |
1136 |
1344 |
2099 |
2514 |
|
b) |
Net Profit on sale of investments |
147 |
297 |
1111 |
8493 |
252 |
1953 |
356 |
850 |
|
c) |
Net Profit on sale of land, |
- |
- |
-13 |
-4 |
- |
- |
3 |
5 |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
36 |
498 |
1097 |
1034 |
357 |
500 |
648 |
827 |
|
e) |
Miscellaneous income |
25 |
84 |
2843 |
2397 |
1228 |
1952 |
553 |
589 |
|
Total (I+II) |
4993 |
16688 |
49117 |
70588 |
42932 |
58806 |
37227 |
47778 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
1962 |
10460 |
31008 |
42903 |
25232 |
32885 |
21660 |
29163 |
|
a) |
Interest on deposits |
1623 |
8109 |
23041 |
37050 |
25030 |
32812 |
20196 |
27553 |
|
b) |
Interest on RBI/inter-bank borrowings |
333 |
1648 |
1078 |
1574 |
47 |
67 |
294 |
348 |
|
c) |
Others |
5 |
704 |
6889 |
4279 |
154 |
6 |
1170 |
1262 |
|
IV. |
Operating expenses |
2167 |
3355 |
5615 |
7574 |
7778 |
9804 |
7165 |
8406 |
|
a) |
Payments to and provisions for employees |
335 |
636 |
424 |
747 |
5427 |
5885 |
5092 |
6052 |
|
b) |
Rent, taxes and lighting |
253 |
1045 |
1039 |
1394 |
485 |
526 |
440 |
549 |
|
c) |
Printing and stationery |
43 |
82 |
102 |
151 |
185 |
129 |
110 |
123 |
|
d) |
Advertisement and publicity |
185 |
218 |
125 |
231 |
51 |
145 |
26 |
42 |
|
e) |
Depreciation on Bank's property |
104 |
249 |
1339 |
1673 |
303 |
372 |
407 |
572 |
|
f) |
Directors' fees, allowances and expenses |
1 |
1 |
9 |
14 |
3 |
6 |
7 |
6 |
|
g) |
Auditors' fees and expenses |
3 |
5 |
13 |
21 |
40 |
47 |
12 |
20 |
|
h) |
Law charges |
5 |
16 |
1 |
610 |
14 |
18 |
5 |
10 |
|
i) |
Postage, telegrams, telephones, etc. |
122 |
240 |
257 |
475 |
148 |
158 |
84 |
108 |
|
j) |
Repairs and maintenance |
42 |
81 |
94 |
179 |
37 |
51 |
63 |
85 |
|
k) |
Insurance |
20 |
73 |
124 |
174 |
167 |
223 |
120 |
161 |
|
l) |
Other expenditure |
1055 |
708 |
2087 |
1903 |
918 |
2245 |
798 |
676 |
|
V. |
Provisions and contingencies |
497 |
867 |
5163 |
10999 |
7422 |
11080 |
4331 |
4393 |
|
Total expenses* |
4129 |
13815 |
36622 |
50477 |
33010 |
42689 |
28825 |
37569 |
||
VI. |
Profit |
367 |
2005 |
7332 |
9112 |
2500 |
5037 |
4071 |
5816 |
|
Total (III+IV+V+VI) |
4993 |
16688 |
49117 |
70588 |
42932 |
58806 |
37227 |
47778 |
||
Note |
: *Excluding 'Provisions and Contingencies'. |
|||||||||
- |
: Nil or negligible. |
|||||||||
Source |
: Annual accounts of banks. |