Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 2 of 6) - आरबीआई - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 2 of 6)
Nationalised Banks |
| | | | | | | | | (Amount in Rs. lakh) | |
For the year ended March 31 | ||||||||||
Items | Allahabad | Andhra | Bank of | Bank of | ||||||
Bank | Bank | Baroda | India | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) |
Income | ||||||||||
I. | Interest Earned | 159482 | 184519 | 105304 | 144100 | 482131 | 522019 | 459062 | 473699 | |
a) | Interest/discount on advances/bills | 75977 | 88459 | 47523 | 64415 | 238525 | 259131 | 262688 | 275011 | |
b) | Income on Investments | 77520 | 90156 | 52302 | 74448 | 174389 | 199281 | 151292 | 167267 | |
c) | Interest on balances with | 5854 | 5773 | 5419 | 4929 | 55750 | 49304 | 16368 | 18663 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 132 | 131 | 59 | 308 | 13467 | 14303 | 28714 | 12757 | |
II. | Other income | 20893 | 25732 | 14695 | 23238 | 57842 | 64143 | 57367 | 78554 | |
a) | Commission, exchange and brokerage | 13162 | 13127 | 7327 | 7376 | 24726 | 28031 | 28369 | 29288 | |
b) | Net Profit (loss) on sale of investments | 1279 | 7356 | 1107 | 8749 | 3300 | 8567 | 816 | 16680 | |
c) | Net Profit (loss) on revaluation of | - | - | - | - | - | - | - | - | |
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | 5 | 5 | 23 | 18 | 27 | 15 | 118 | - | |
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 3046 | 2997 | 1399 | 1278 | 14166 | 13143 | 11985 | 11240 | |
f) | Miscellaneous income | 3400 | 2247 | 4838 | 5818 | 15623 | 14387 | 16080 | 21347 | |
| Total (I+II) | 180375 | 210251 | 119999 | 167338 | 539973 | 586161 | 516429 | 552253 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 110403 | 128097 | 71664 | 102536 | 324780 | 350663 | 318057 | 344314 | |
a) | Interest on deposits | 108786 | 126066 | 68764 | 97795 | 307900 | 325132 | 290031 | 306218 | |
b) | Interest on RBI/inter-bank borrowings | 44 | 69 | 2897 | 2870 | 6907 | 8041 | 28026 | 31039 | |
c) | Others | 1572 | 1962 | 3 | 1871 | 9973 | 17491 | - | 7057 | |
IV. | Operating expenses | 46604 | 53592 | 32684 | 35854 | 120664 | 130331 | 127872 | 139640 | |
a) | Payments to and provisions for employees | 32599 | 36706 | 23974 | 26095 | 84504 | 89645 | 92377 | 99912 | |
b) | Rent, taxes and lighting | 2985 | 3439 | 1644 | 2023 | 9712 | 10915 | 9229 | 10619 | |
c) | Printing and stationery | 795 | 959 | 527 | 597 | 1743 | 1901 | 1842 | 1823 | |
d) | Advertisement and publicity | 195 | 344 | 153 | 68 | 738 | 806 | 333 | 232 | |
e) | Depreciation on Bank’s property | 1258 | 1796 | 1103 | 1350 | 4106 | 5237 | 6144 | 7587 | |
f) | Directors’ fees, allowances and expenses | - | - | 17 | 13 | 38 | 38 | 8 | 14 | |
g) | Auditors’ fees and expenses | 184 | 228 | 232 | 301 | 734 | 940 | 649 | 778 | |
h) | Law charges | 352 | 516 | 142 | 233 | 1182 | 1032 | 1154 | 1492 | |
i) | Postage, telegrams, telephones, etc. | 1099 | 1202 | 429 | 445 | 1272 | 1322 | 759 | 847 | |
j) | Repairs and maintenance | 702 | 850 | 567 | 671 | 2264 | 2540 | 1782 | 1807 | |
k) | Insurance | 794 | 882 | 559 | 778 | 2372 | 2869 | 1934 | 2001 | |
l) | Other expenditure | 5641 | 6669 | 3336 | 3279 | 11998 | 13084 | 11659 | 12529 | |
V. | Provisions and contingencies | 9868 | 21629 | 6648 | 16889 | 52386 | 54890 | 50386 | 51017 | |
Total expenses@ | 157007 | 181689 | 104348 | 138390 | 445443 | 480994 | 445929 | 483954 | ||
VI. | Profit (loss) | 13500 | 6933 | 9004 | 12059 | 42144 | 50277 | 20114 | 17282 | |
| Total (III+IV+V+VI) | 180375 | 210251 | 119999 | 167338 | 539973 | 586161 | 516429 | 552253 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended March 31 | ||||||||||
Items | Bank of | Canara | Central Bank | Corporation | ||||||
Maharashtra | Bank | of India | Bank | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) |
Income | ||||||||||
I. | Interest Earned | 113388 | 146727 | 469074 | 485174 | 328203 | 374799 | 135630 | 160439 | |
a) | Interest/discount on advances/bills | 48025 | 58928 | 228893 | 248843 | 150415 | 178308 | 60841 | 80601 | |
b) | Income on Investments | 60428 | 82390 | 209814 | 204153 | 165576 | 185825 | 63442 | 68905 | |
c) | Interest on balances with | 4614 | 5100 | 30329 | 32059 | 9346 | 9485 | 9339 | 9443 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 322 | 309 | 38 | 120 | 2866 | 1182 | 2008 | 1490 | |
II. | Other income | 10774 | 18456 | 62869 | 83568 | 34885 | 43740 | 19850 | 27081 | |
a) | Commission, exchange and brokerage | 7669 | 8926 | 29680 | 31954 | 22646 | 24978 | 12482 | 13023 | |
b) | Net Profit (loss) on sale of investments | 1201 | 6237 | 6137 | 13289 | 6809 | 13256 | 1107 | 5755 | |
c) | Net Profit (loss) on revaluation of | - | - | - | - | - | - | - | - | |
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | 5 | 10 | 55 | 69 | 20 | 10 | 229 | 11 | |
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 1603 | 1437 | 9229 | 9669 | 3861 | 3363 | 2888 | 3488 | |
f) | Miscellaneous income | 296 | 1847 | 17767 | 28586 | 1549 | 2134 | 3145 | 4805 | |
| Total (I+II) | 124163 | 165183 | 531943 | 568742 | 363088 | 418540 | 155480 | 187520 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 73340 | 100015 | 313079 | 341447 | 223326 | 252160 | 97816 | 114609 | |
a) | Interest on deposits | 71251 | 95463 | 299322 | 323413 | 220710 | 245367 | 96130 | 111575 | |
b) | Interest on RBI/inter-bank borrowings | 366 | 1226 | 1307 | 1855 | 845 | 1469 | 551 | 1705 | |
c) | Others | 1723 | 3327 | 12450 | 16179 | 1771 | 5324 | 1135 | 1329 | |
IV. | Operating expenses | 37315 | 42008 | 123124 | 134980 | 109887 | 124225 | 27067 | 30399 | |
a) | Payments to and provisions for employees | 30184 | 32485 | 87983 | 95109 | 83119 | 99083 | 16495 | 17726 | |
b) | Rent, taxes and lighting | 2134 | 2511 | 10999 | 12092 | 5280 | 5508 | 2236 | 2747 | |
c) | Printing and stationery | 416 | 571 | 1752 | 1813 | 1164 | 1330 | 568 | 642 | |
d) | Advertisement and publicity | 84 | 152 | 239 | 212 | 265 | 309 | 316 | 371 | |
e) | Depreciation on Bank’s property | 975 | 1734 | 5542 | 7528 | 2516 | 3172 | 1848 | 2178 | |
f) | Directors’ fees, allowances and expenses | 18 | 11 | 26 | 17 | 15 | 12 | 14 | 15 | |
g) | Auditors’ fees and expenses | 196 | 253 | 565 | 903 | 489 | 491 | 163 | 218 | |
h) | Law charges | 93 | 100 | 157 | 120 | 554 | 506 | 32 | 15 | |
i) | Postage, telegrams, telephones, etc. | 492 | 542 | 1481 | 1517 | 677 | 489 | 1010 | 1025 | |
j) | Repairs and maintenance | 399 | 503 | 2004 | 2208 | 928 | 1090 | 641 | 826 | |
k) | Insurance | 506 | 705 | 1909 | 2283 | 1464 | 1657 | 629 | 765 | |
l) | Other expenditure | 1816 | 2439 | 10467 | 11179 | 13417 | 10577 | 3117 | 3871 | |
V. | Provisions and contingencies | 8320 | 14146 | 73235 | 68711 | 15250 | 27087 | 11393 | 19268 | |
Total expenses@ | 110655 | 142023 | 436202 | 476426 | 333213 | 376384 | 124883 | 145007 | ||
VI. | Profit (loss) | 5189 | 9014 | 22506 | 23605 | 14625 | 15069 | 19203 | 23244 | |
| Total (III+IV+V+VI) | 124163 | 165183 | 531943 | 568742 | 363088 | 418540 | 155480 | 187520 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended March 31 | ||||||||||
Items | Dena | Indian | Indian Overseas | Oriental Bank of | ||||||
Bank | Bank | Bank | Commerce | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) |
Income | ||||||||||
I. | Interest Earned | 149239 | 158738 | 162521 | 189862 | 229896 | 250456 | 187286 | 245807 | |
a) | Interest/discount on advances/bills | 79897 | 83238 | 80176 | 92967 | 110990 | 120078 | 93294 | 101065 | |
b) | Income on Investments | 64115 | 71536 | 77662 | 92838 | 92685 | 105452 | 84694 | 136659 | |
c) | Interest on balances with | 4425 | 3179 | 4684 | 4058 | 25257 | 24597 | 7021 | 7893 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 802 | 785 | - | - | 964 | 329 | 2278 | 189 | |
II. | Other income | 15315 | 21176 | 19876 | 27514 | 25088 | 26620 | 17355 | 22137 | |
a) | Commission, exchange and brokerage | 7199 | 8591 | 7416 | 9143 | 12547 | 15489 | 8208 | 9564 | |
b) | Net Profit (loss) on sale of investments | 1614 | 7372 | 2853 | 5748 | 2202 | 4509 | 2347 | 5797 | |
c) | Net Profit (loss) on revaluation of | - | - | - | - | - | - | - | - | |
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | (36) | - | 8 | (11) | 66 | 47 | 7 | (4) | |
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 3521 | 1979 | 5551 | 5279 | 7287 | 4106 | 3591 | 3392 | |
f) | Miscellaneous income | 3017 | 3234 | 4049 | 7355 | 2986 | 2469 | 3202 | 3388 | |
| Total (I+II) | 164554 | 179914 | 182397 | 217376 | 254985 | 277076 | 204641 | 267944 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 105189 | 116919 | 142795 | 151868 | 173327 | 182626 | 128973 | 174528 | |
a) | Interest on deposits | 95886 | 104290 | 135644 | 145806 | 167402 | 177108 | 127006 | 171817 | |
b) | Interest on RBI/inter-bank borrowings | 1032 | 2872 | 3161 | 3840 | 5218 | 1889 | 1045 | 1472 | |
c) | Others | 8271 | 9757 | 3991 | 2222 | 707 | 3629 | 922 | 1239 | |
IV. | Operating expenses | 37764 | 41139 | 55925 | 63122 | 67362 | 75627 | 37063 | 42824 | |
a) | Payments to and provisions for employees | 27551 | 29304 | 42687 | 49339 | 50860 | 57742 | 21680 | 23137 | |
b) | Rent, taxes and lighting | 2393 | 2879 | 4128 | 4376 | 4949 | 5764 | 4687 | 5521 | |
c) | Printing and stationery | 751 | 604 | 831 | 827 | 728 | 735 | 734 | 834 | |
d) | Advertisement and publicity | 433 | 293 | 41 | 64 | 176 | 165 | 293 | 204 | |
e) | Depreciation on Bank’s property | 1384 | 1755 | 1464 | 1600 | 2423 | 2636 | 2634 | 4169 | |
f) | Directors’ fees, allowances and expenses | 23 | 25 | 9 | 11 | 18 | 12 | 31 | 28 | |
g) | Auditors’ fees and expenses | 183 | 217 | 306 | 371 | 371 | 392 | 240 | 281 | |
h) | Law charges | 130 | 123 | 148 | 64 | 143 | 87 | 282 | 329 | |
i) | Postage, telegrams, telephones, etc. | 478 | 597 | 364 | 281 | 685 | 459 | 787 | 892 | |
j) | Repairs and maintenance | 843 | 864 | 1163 | 1235 | 222 | 325 | 385 | 470 | |
k) | Insurance | 790 | 935 | 961 | 956 | 1284 | 1414 | 846 | 1136 | |
l) | Other expenditure | 2806 | 3543 | 3822 | 3999 | 5502 | 5895 | 4464 | 5822 | |
V. | Provisions and contingencies | 10592 | 15569 | 61526 | 45083 | 8762 | 14789 | 15593 | 22729 | |
Total expenses@ | 142953 | 158058 | 198720 | 214990 | 240689 | 258253 | 166036 | 217352 | ||
VI. | Profit (loss) | 11009 | 6287 | (77850) | (42697) | 5534 | 4034 | 23012 | 27862 | |
| Total (III+IV+V+VI) | 164554 | 179914 | 182397 | 217376 | 254985 | 277076 | 204641 | 267944 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended March 31 | ||||||||||
Items | Punjab & Sind | Punjab National | Syndicate | Union Bank of | ||||||
Bank | Bank | Bank | India | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) |
Income | ||||||||||
I. | Interest Earned | 98674 | 113046 | 444796 | 515455 | 208651 | 243763 | 286904 | 311511 | |
a) | Interest/discount on advances/bills | 47378 | 52555 | 218181 | 251423 | 108895 | 132414 | 135373 | 162549 | |
b) | Income on Investments | 45820 | 54428 | 197626 | 241710 | 90677 | 105210 | 127128 | 146070 | |
c) | Interest on balances with | 4566 | 5295 | 18150 | 17154 | 5619 | 5744 | 21230 | 21444 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 910 | 769 | 10839 | 5168 | 3460 | 394 | 3174 | 1449 | |
II. | Other income | 11209 | 15469 | 54469 | 72766 | 27109 | 30648 | 26259 | 29911 | |
a) | Commission, exchange and brokerage | 4712 | 4473 | 32832 | 38171 | 9007 | 10115 | 10073 | 11386 | |
b) | Net Profit (loss) on sale of investments | 1611 | 5290 | 7858 | 21492 | 2080 | 6069 | 3431 | 4321 | |
c) | Net Profit (loss) on revaluation of | - | - | (2) | (2) | - | - | - | - | |
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | 6 | 5 | 65 | 68 | 11 | 9 | 18 | 34 | |
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 2301 | 2291 | 7376 | 7616 | 9022 | 7041 | 6888 | 7833 | |
f) | Miscellaneous income | 2579 | 3410 | 6339 | 5420 | 6988 | 7414 | 5849 | 6338 | |
| Total (I+II) | 109883 | 128516 | 499265 | 588221 | 235760 | 274411 | 313163 | 361422 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 73402 | 85108 | 279536 | 353820 | 142516 | 161233 | 203750 | 235803 | |
a) | Interest on deposits | 70790 | 81357 | 267684 | 336679 | 140048 | 157531 | 202494 | 229745 | |
b) | Interest on RBI/inter-bank borrowings | 460 | 635 | 1213 | 2907 | 335 | 241 | 1191 | 2391 | |
c) | Others | 2152 | 3116 | 10639 | 14234 | 2133 | 3461 | 65 | 3668 | |
IV. | Operating expenses | 27309 | 33586 | 137602 | 152385 | 74638 | 85120 | 78415 | 86456 | |
a) | Payments to and provisions for employees | 18917 | 24216 | 106893 | 118367 | 58931 | 66921 | 51410 | 61186 | |
b) | Rent, taxes and lighting | 1856 | 2115 | 6470 | 7198 | 4560 | 4874 | 4337 | 5002 | |
c) | Printing and stationery | 345 | 372 | 2031 | 2234 | 598 | 617 | 1336 | 1247 | |
d) | Advertisement and publicity | 140 | 117 | 392 | 434 | 87 | 160 | 610 | 650 | |
e) | Depreciation on Bank’s property | 1003 | 1507 | 3997 | 4299 | 1333 | 1827 | 3788 | 4424 | |
f) | Directors’ fees, allowances and expenses | 7 | 10 | 22 | 12 | 18 | 16 | 25 | 34 | |
g) | Auditors’ fees and expenses | 155 | 207 | 656 | 720 | 334 | 396 | 403 | 535 | |
h) | Law charges | 77 | 79 | 472 | 584 | 65 | 69 | 397 | 682 | |
i) | Postage, telegrams, telephones, etc. | 497 | 532 | 2286 | 2366 | 913 | 1050 | 1080 | 1034 | |
j) | Repairs and maintenance | 332 | 397 | 1357 | 1368 | 562 | 694 | 951 | 964 | |
k) | Insurance | 515 | 617 | 2361 | 3055 | 850 | 1014 | 6093 | 1718 | |
l) | Other expenditure | 3465 | 3416 | 10665 | 11748 | 6386 | 7484 | 7985 | 8981 | |
V. | Provisions and contingencies | 3128 | 3677 | 44915 | 41202 | 4348 | 6492 | 14976 | 29039 | |
Total expenses@ | 100710 | 118694 | 417139 | 506205 | 217154 | 246354 | 282165 | 322259 | ||
VI. | Profit (loss) | 6045 | 6144 | 37212 | 40814 | 14258 | 21565 | 16022 | 10124 | |
| Total (III+IV+V+VI) | 109883 | 128516 | 499265 | 588221 | 235760 | 274411 | 313163 | 361422 |
| | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||
Items | United Bank of | UCO | Vijaya | |||||
India | Bank | Bank | ||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (33) | (34) | (35) | (36) | (37) | (38) |
Income | ||||||||
I. | Interest Earned | 145300 | 169690 | 169276 | 197750 | 99998 | 119754 | |
a) | Interest/discount on advances/bills | 41561 | 47848 | 65083 | 76345 | 47619 | 55699 | |
b) | Income on Investments | 95697 | 116119 | 90755 | 107701 | 47144 | 58527 | |
c) | Interest on balances with | 3951 | 3915 | 9101 | 8899 | 4672 | 4064 | |
RBI and other inter-bank funds | ||||||||
d) | Others | 4091 | 1808 | 4337 | 4805 | 562 | 1463 | |
II. | Other income | 11460 | 13957 | 18727 | 24890 | 10907 | 11681 | |
a) | Commission, exchange and brokerage | 5977 | 7014 | 9923 | 10599 | 4346 | 5071 | |
b) | Net Profit (loss) on sale of investments | 990 | 3145 | (537) | 4028 | 1306 | 1250 | |
c) | Net Profit (loss) on revaluation of | - | - | - | - | - | - | |
investments | ||||||||
d) | Net Profit (loss) on sale of land, building & | 3 | 3 | 8 | 581 | 14 | 11 | |
other assets | ||||||||
e) | Net Profit (loss) on exchange transaction | 697 | 32 | 2202 | 1264 | 1816 | 1551 | |
f) | Miscellaneous income | 3793 | 3764 | 7131 | 8418 | 3426 | 3798 | |
| Total (I+II) | 156760 | 183647 | 188003 | 222641 | 110905 | 131434 | |
Expenditure & Provisions | ||||||||
III. | Interest expended | 110840 | 128646 | 124629 | 142493 | 68271 | 80937 | |
a) | Interest on deposits | 109524 | 126925 | 118037 | 134900 | 66728 | 77841 | |
b) | Interest on RBI/inter-bank borrowings | 505 | 791 | 3709 | 5516 | 314 | 417 | |
c) | Others | 811 | 930 | 2883 | 2078 | 1229 | 2679 | |
IV. | Operating expenses | 41281 | 46572 | 59536 | 62464 | 31020 | 37953 | |
a) | Payments to and provisions for employees | 34084 | 38657 | 48396 | 50623 | 22035 | 27265 | |
b) | Rent, taxes and lighting | 1896 | 2001 | 3138 | 3242 | 2559 | 2898 | |
c) | Printing and stationery | 541 | 597 | 692 | 821 | 361 | 376 | |
d) | Advertisement and publicity | 56 | 66 | 89 | 123 | 41 | 46 | |
e) | Depreciation on Bank’s property | 492 | 540 | 1101 | 1346 | 1735 | 1814 | |
f) | Directors’ fees, allowances and expenses | 28 | 29 | 18 | 14 | 21 | 12 | |
g) | Auditors’ fees and expenses | 181 | 241 | 347 | 302 | 200 | 172 | |
h) | Law charges | 62 | 58 | 115 | 153 | 40 | 37 | |
i) | Postage, telegrams, telephones, etc. | 357 | 352 | 250 | 256 | 184 | 181 | |
j) | Repairs and maintenance | 306 | 321 | 282 | 260 | 131 | 129 | |
k) | Insurance | 701 | 790 | 795 | 834 | 544 | 642 | |
l) | Other expenditure | 2578 | 2920 | 4310 | 4491 | 3170 | 4381 | |
V. | Provisions and contingencies | 3170 | 5293 | 10615 | 14019 | 8591 | 7260 | |
Total expenses@ | 152121 | 175218 | 184165 | 204957 | 99291 | 118890 | ||
VI. | Profit (loss) | 1470 | 3136 | (6777) | 3664 | 3023 | 5284 | |
| Total (III+IV+V+VI) | 156760 | 183647 | 188003 | 222641 | 110905 | 131434 |
Notes | |
1. | @ : Excluding ‘Provisions and Contingencies’. |
2. | Figures in bracket indicate loss. |
Source | : Annual accounts of banks of respective years. |