Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 4 of 7)

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Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 4 of 7)

OTHER SCHEDULED COMMERCIAL BANKS

								(Amount in Rs. lakh)
			For the year ended 31st March
			Karur Vysya		Lakshmi Vilas		Lord Krishna		Nainital
Items			Bank		Bank		Bank		Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)
Income

I.	Interest Earned		22031	26688	14603	15499	8005	10083	3016	3608
	a)	Interest/discount on advances/bills	15032	16239	9203	9611	6129	6810	1131	1159
	b)	Income on Investments	6331	9508	4737	5262	1690	2832	1191	1389
	c)	Interest on balances with	579	901	469	385	150	304	683	1044
		RBI and other inter-bank funds
	d)	Others	89	40	195	241	37	137	12	16

II.	Other income		3296	6557	2754	3488	1084	1337	141	162
	a)	Commission, exchange and brokerage	2139	2795	1988	2186	632	605	105	124
	b)	Net Profit on sale of investments	-285	2771	34	502	-	60	2	1
	c)	Net Profit on sale of land,	4	2	3	2	2	1	-	-
		building & other assets
	d)	Net Profit on exchange transaction	317	517	220	391	-	-	-	-
	e)	Miscellaneous income	1120	472	510	407	450	671	34	36
Total (I+II)			25327	33244	17357	18988	9089	11420	3158	3770
Expenditure & Provisions

III.	Interest expended		14345	18404	10472	11329	6229	8369	1797	2247
	a)	Interest on deposits	13034	17335	9589	10568	5710	7431	1793	2240
	b)	Interest on RBI/inter-bank borrowings	795	509	137	110	9	54	1	6
	c)	Others	515	559	746	650	511	885	4	2

IV.	Operating expenses		5170	6526	4618	4866	1261	1780	922	998
	a)	Payments to and provisions for employees	2823	3770	2553	2624	611	780	657	719
	b)	Rent, taxes and lighting	232	312	243	344	119	234	77	87
	c)	Printing and stationery	110	126	78	87	20	21	17	17
	d)	Advertisement and publicity	199	184	64	47	45	41	4	3
	e)	Depreciation on Bank's property	1088	1182	707	751	189	393	17	16
	f)	Directors' fees, allowances and expenses	9	11	1	1	3	4	2	2
	g)	Auditors' fees and expenses	6	11	6	6	2	2	3	5
	h)	Law charges	2	3	4	5	1	1	18	7
	i)	Postage, telegrams, telephones, etc.	213	267	133	167	35	40	16	23
	j)	Repairs and maintenance	78	94	27	21	13	18	6	7
	k)	Insurance	68	109	54	63	28	36	41	16
	l)	Other expenditure	342	457	748	749	197	209	67	97

V.	Provisions and contingencies		2207	3960	402	634	1042	865	365	366

	Total expenses*		19514	24930	15089	16194	7490	10150	2720	3246

VI.	Profit		3606	4354	1865	2159	557	405	73	158
Total (III+IV+V+VI)			25327	33244	17357	18988	9089	11420	3158	3770
								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Nedungadi		Ratnakar		Sangli		SBI Commercial &
			Bank		Bank		Bank		Intl. Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)
Income

I.	Interest Earned		7334	10220	2766	3303	9648	11072	4111	5349
	a)	Interest/discount on advances/bills	5097	6787	1738	2107	5098	4717	2527	2811
	b)	Income on Investments	1925	3236	910	1082	3713	5238	1112	1449
	c)	Interest on balances with	302	197	88	115	747	990	347	700
		RBI and other inter-bank funds
	d)	Others	9	-	29	-	91	127	125	389

II.	Other income		1055	1661	217	358	1387	2514	466	1274
;	a)	Commission, exchange and brokerage	596	638	130	143	643	646	260	407
	b)	Net Profit on sale of investments	-	379	14	142	258	1437	56	449
	c)	Net Profit on sale of land,	-	1	-	1	-	-	1	-
		building & other assets
	d)	Net Profit on exchange transaction	177	299	-	-	226	197	75	281
	e)	Miscellaneous income	281	344	74	71	260	234	75	137
Total (I+II)			8389	11881	2984	3661	11035	13586	4577	6623
Expenditure & Provisions

III.	Interest expended		4961	7210	1817	2249	6545	7158	3552	4584
	a)	Interest on deposits	4799	6838	1604	2045	6316	7039	3103	3714
	b)	Interest on RBI/inter-bank borrowings	2	25	127	108	171	93	229	530
	c)	Others	160	347	86	96	57	27	220	340

IV.	Operating expenses		2473	2852	898	952	3380	3573	559	600
	a)	Payments to and provisions for employees	1733	1912	641	627	2592	2751	158	182
	b)	Rent, taxes and lighting	140	175	77	96	243	261	78	80
	c)	Printing and stationery	42	52	17	22	43	36	15	15
	d)	Advertisement and publicity	20	42	3	4	3	3	3	6
	e)	Depreciation on Bank's property	200	90	52	69	112	129	94	98
	f)	Directors' fees, allowances and expenses	3	9	1	1	1	1	9	8
	g)	Auditors' fees and expenses	5	6	2	4	5	5	1	2
	h)	Law charges	3	2	2	2	3	4	47	60
	i)	Postage, telegrams, telephones, etc.	21	30	21	24	38	49	9	-
	j)	Repairs and maintenance	-	2	4	5	21	31	18	19
	k)	Insurance	26	36	12	13	44	50	28	37
	l)	Other expenditure	279	496	66	84	276	254	100	93

V.	Provisions and contingencies		532	1094	80	160	606	2451	-40	26

	Total expenses*		7435	10061	2715	3201	9924	10732	4111	5184

VI.	Profit		422	726	188	300	504	402	506	1412
Total (III+IV+V+VI)			8389	11881	2984	3661	11035	13586	4577	6623
								(Amount in Rs. lakh)
			For the year ended 31st March
			South Indian		Tamilnad Mercantile		Times		United Western
Items			Bank		Bank		Bank		Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)
Income

I.	Interest Earned		27942	33869	17915	20768	14416	21395	23204	25942
	a)	Interest/discount on advances/bills	18491	20428	12285	12167	11436	12746	15147	16224
	b)	Income on Investments	8599	12592	5094	8036	2856	8042	7090	8713
	c)	Interest on balances with	852	849	511	518	125	564	788	982
		RBI and other inter-bank funds
	d)	Others	-	-	25	47	-	44	178	24

II.	Other income		2212	2604	3706	3900	1685	4533	5713	7515
	a)	Commission, exchange and brokerage	1264	1179	2128	2245	1085	1465	2240	2093
	b)	Net Profit on sale of investments	17	188	21	121	200	2553	884	2949
	c)	Net Profit on sale of land,	10	8	9	5	-	-1	-1	1
		building & other assets
	d)	Net Profit on exchange transaction	447	514	721	731	397	499	750	692
	e)	Miscellaneous income	474	715	826	798	2	27	1840	1781
Total (I+II)			30154	36473	21621	24667	16101	25928	28917	33457
Expenditure & Provisions

III.	Interest expended		21542	26145	10775	13696	10491	17721	16720	18865
	a)	Interest on deposits	20085	24901	9803	12859	8091	16573	15781	17957
	b)	Interest on RBI/inter-bank borrowings	264	98	77	27	993	608	938	908
	c)	Others	1193	1146	895	811	1407	540	-	-

IV.	Operating expenses		6424	7337	4417	4582	2700	4345	6351	6661
	a)	Payments to and provisions for employees	4705	5396	2413	2646	656	1169	4103	4222
	b)	Rent, taxes and lighting	527	603	321	365	418	649	368	484
	c)	Printing and stationery	161	167	182	146	128	282	45	152
	d)	Advertisement and publicity	44	33	153	94	224	183	38	28
	e)	Depreciation on Bank's property	192	238	300	294	150	523	889	875
	f)	Directors' fees, allowances and expenses	2	2	9	6	13	11	4	4
	g)	Auditors' fees and expenses	11	11	11	13	6	8	22	26
	h)	Law charges	4	5	42	51	5	16	18	14
	i)	Postage, telegrams, telephones, etc.	165	184	223	169	101	196	111	136
	j)	Repairs and maintenance	46	52	189	166	407	415	73	90
	k)	Insurance	107	134	71	84	36	100	192	122
	l)	Other expenditure	460	511	503	549	556	795	488	508

V.	Provisions and contingencies		1410	916	3010	2574	1793	1381	3688	4578

	Total expenses*		27967	33482	15191	18278	13191	22066	23071	25526

VI.	Profit		777	2074	3420	3815	1116	2481	2158	3353
Total (III+IV+V+VI)			30154	36473	21621	24667	16101	25928	28917	33457

					(Amount in Rs. lakh)
			For the year ended 31st March
			UTI		Vysya
Items			Bank		Bank
			1997	1998	1997	1998
			(65)	(66)	(67)	(68)
Income

I.	Interest Earned		15765	25561	63966	64473
	a)	Interest/discount on advances/bills	11561	16059	43127	37187
	b)	Income on Investments	3550	8802	19364	22774
	c)	Interest on balances with	372	585	1395	3881
		RBI and other inter-bank funds
	d)	Others	282	115	80	632

II.	Other income		2410	6090	10090	13906
	a)	Commission, exchange and brokerage	1272	1747	5216	4789
	b)	Net Profit on sale of investments	401	3252	747	5987
	c)	Net Profit on sale of land,	-5	-	1	2
		building & other assets
	d)	Net Profit on exchange transaction	195	285	2112	1578
	e)	Miscellaneous income	548	806	2015	1551
Total (I+II)			18175	31651	74055	78379
Expenditure & Provisions

III.	Interest expended		12207	22219	51384	54094
	a)	Interest on deposits	11227	20537	48089	52373
	b)	Interest on RBI/inter-bank borrowings	579	914	2094	632
	c)	Others	401	768	1200	1089

IV.	Operating expenses		2641	3976	11500	12777
	a)	Payments to and provisions for employees	514	829	6817	7293
	b)	Rent, taxes and lighting	536	1089	1379	1585
	c)	Printing and stationery	35	108	296	304
	d)	Advertisement and publicity	89	60	230	154
	e)	Depreciation on Bank's property	627	851	710	824
	f)	Directors' fees, allowances and expenses	1	4	30	26
	g)	Auditors' fees and expenses	6	9	23	28
	h)	Law charges	14	16	14	25
	i)	Postage, telegrams, telephones, etc.	123	158	273	370
	j)	Repairs and maintenance	98	154	323	394
	k)	Insurance	58	149	221	275
	l)	Other expenditure	541	548	1184	1499

V.	Provisions and contingencies		1804	3695	4660	3957

	Total expenses*		14849	26195	62883	66871

VI.	Profit		1522	1762	6512	7552
Total (III+IV+V+VI)			18175	31651	74055	78379
Note		: *Excluding 'Provisions and Contingencies'.
-		: Nil or negligible.
Source : Annual accounts of banks.