OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended March 31

Items

Bank of Punjab

Bank of Rajasthan

Benares State Bank

Bharat Overseas Bank

2001

2002

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I. Interest Earned

34041

36318

44243

45260

10074

15686

16714

a) Interest/discount on advances/bills

16109

18900

21990

21973

2630

7940

8291

b) Income on Investments

16855

15446

17752

19012

7145

5441

6558

c) Interest on balances with

1077

1700

3342

3866

300

2305

1865

RBI and other inter-bank funds

d) Others

-

272

1160

408

-

-

-

II. Other income

4282

11730

5648

9722

1729

2549

4946

a) Commission, exchange and brokerage

1706

1394

2396

2000

277

742

783

b) Net Profit (loss) on sale of investments

284

8007

1028

5660

1064

1031

3295

c) Net Profit (loss) on revaluation of investments

38

-

-

-

-

115

-

d) Net Profit (loss) on sale of land, building & other assets

(27)

(22)

(38)

(16)

-

2

2

e) Net Profit (loss) on exchange transaction

497

548

323

403

108

394

558

f) Miscellaneous income

1783

1803

1939

1675

280

264

309

Total (I+II)

38322

48048

49891

54981

11803

18235

21660

Expenditure & Provisions

III. Interest expended

22706

27307

30930

32333

9053

10550

11784

a) Interest on deposits

20690

25809

30695

31983

9020

10114

11398

b) Interest on RBI/inter-bank borrowings

1880

880

33

32

32

291

264

c) Others

136

618

203

318

-

144

123

IV. Operating expenses

9147

13295

13190

14507

3548

4053

4541

a) Payments to and provisions for employees

881

1331

8660

9406

2637

1858

2033

b) Rent, taxes and lighting

1545

1963

1000

1207

277

728

886

c) Printing and stationery

493

639

135

165

46

54

69

d) Advertisement and publicity

391

788

82

88

8

33

53

e) Depreciation on Bank’s property

1896

2218

1218

1147

85

443

512

f) Directors’ fees, allowances and expenses

24

25

10

12

4

8

13

g) Auditors’ fees and expenses

29

52

40

50

19

16

15

h) Law charges

27

62

227

296

5

79

65

i) Postage, telegrams, telephones, etc.

388

457

214

381

51

62

88

j) Repairs and maintenance

443

693

94

160

14

30

40

k) Insurance

159

206

245

175

139

81

88

l) Other expenditure

2871

4860

1263

1420

262

661

678

V. Provisions and contingencies

2988

3873

2549

4110

541

1882

3059

Total expenses@

31853

40603

44120

46840

12601

14603

16326

VI. Profit (loss)

3482

3572

3222

4031

(1339)

1750

2275

Total (III+IV+V+VI)

38322

48048

49891

54981

11803

18235

21660

(Amount in Rs. lakh)

For the year ended March 31

Items

Catholic Syrian Bank

Centurion Bank

City Union Bank

Development Credit Bank

2001

2002

2001

2002

2001

2002

2001

2002

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I. Interest Earned

31298

33670

54730

48218

18494

21214

38879

37738

a) Interest/discount on advances/bills

15396

15583

26214

25366

11321

11891

21210

23396

b) Income on Investments

13525

15115

21975

14815

6726

8697

16589

13566

c) Interest on balances with

2325

2799

2531

3938

347

625

1080

776

RBI and other inter-bank funds

d) Others

52

173

4010

4099

100

1

-

-

II. Other income

4830

9889

9809

7076

2893

4802

4878

9584

a) Commission, exchange and brokerage

1254

1087

2530

2756

1310

1341

2014

2343

b) Net Profit (loss) on sale of investments

1943

7496

5144

2891

667

2419

1030

6570

c) Net Profit (loss) on revaluation of investments

363

-

420

(7)

-

-

-

(1036)

d) Net Profit (loss) on sale of land, building & other assets

1

5

9

3

(1)

2

(1)

(122)

e) Net Profit (loss) on exchange transaction

500

517

1071

869

270

257

304

529

f) Miscellaneous income

768

784

635

564

648

783

1531

1301

Total (I+II)

36128

43559

64539

55294

21387

26016

43757

47323

Expenditure & Provisions

III. Interest expended

23166

25604

44515

37869

13133

15755

30186

28631

a) Interest on deposits

22481

25124

32819

29790

12739

15612

27394

26619

b) Interest on RBI/inter-bank borrowings

186

117

3995

1738

233

86

1924

1834

c) Others

499

363

7701

6341

161

57

868

178

IV. Operating expenses

8095

8912

14243

15984

3305

3755

7169

8347

a) Payments to and provisions for employees

6050

6706

1533

1983

2051

2313

2767

3420

b) Rent, taxes and lighting

678

729

1052

1302

230

279

584

701

c) Printing and stationery

137

138

400

506

80

85

136

188

d) Advertisement and publicity

15

17

523

297

38

32

133

96

e) Depreciation on Bank's property

331

310

6280

6087

208

265

1479

1664

f) Directors' fees, allowances and expenses

12

15

5

6

4

7

17

81

g) Auditors' fees and expenses

12

18

30

30

5

7

35

35

h) Law charges

11

31

280

159

1

3

33

23

i) Postage, telegrams, telephones, etc.

122

122

531

501

99

110

131

117

j) Repairs and maintenance

38

40

860

1248

36

59

213

192

k) Insurance

151

166

177

241

139

112

183

125

l) Other expenditure

538

620

2572

3624

413

483

1458

1704

V. Provisions and contingencies

3742

5332

5079

10842

2819

3663

3400

6941

Total expenses@

31261

34516

58758

53853

16439

19510

37354

36977

VI. Profit (loss)

1125

3712

702

(9401)

2130

2843

3003

3405

Total (III+IV+V+VI)

36128

43560

64539

55294

21387

26016

43757

47323

(Amount in Rs. lakh)

For the year ended March 31

Items

Dhanalakshmi Bank

Federal Bank

Ganesh Bank of Kurundwad

Global Trust Bank

2001

2002

2001

2002

2001

2002

2001

2002

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I. Interest Earned

17705

18110

91917

104240

1861

1925

89750

72422

a) Interest/discount on advances/bills

10146

10314

56143

63603

1228

1210

49019

39647

b) Income on Investments

6980

6921

33611

38545

478

480

37711

31047

c) Interest on balances with

450

743

1277

2035

102

57

2119

1377

RBI and other inter-bank funds

d) Others

128

132

886

56

53

178

901

350

II. Other income

2594

5876

12510

22042

81

276

16444

22923

a) Commission, exchange and brokerage

1317

1129

4549

4517

58

60

4209

4529

b) Net Profit (loss) on sale of investments

744

3998

1981

13050

-

188

2720

10917

c) Net Profit (loss) on revaluation of investments

-

-

184

(425)

-

-

-

-

d) Net Profit (loss) on sale of land, building & other assets

-

5

(10)

11

-

-

(21)

1952

e) Net Profit (loss) on exchange transaction

97

169

1304

1321

-

-

2426

1310

f) Miscellaneous income

436

575

4502

3568

23

28

7110

4216

Total (I+II)

20299

23986

104427

126281

1942

2201

106194

95346

Expenditure & Provisions

III. Interest expended

13733

13863

68219

76615

1494

1586

69717

63585

a) Interest on deposits

12863

13250

61339

70507

1483

1579

63352

57883

b) Interest on RBI/inter-bank borrowings

242

170

2037

1052

10

6

1736

1463

c) Others

628

443

4843

5055

-

-

4629

4239

IV. Operating expenses

4861

5064

17504

19126

375

397

16400

16958

a) Payments to and provisions for employees

2765

3402

11090

12096

214

233

3045

3565

b) Rent, taxes and lighting

475

478

1530

1755

23

24

1871

2234

c) Printing and stationery

89

90

225

295

10

9

523

443

d) Advertisement and publicity

53

83

151

125

1

1

1219

985

e) Depreciation on Bank’s property

244

323

1804

1834

67

66

4603

5124

f) Directors’ fees, allowances and expenses

9

12

15

16

1

1

14

18

g) Auditors’ fees and expenses

10

12

83

114

1

1

33

37

h) Law charges

19

3

61

44

4

7

51

64

i) Postage, telegrams, telephones, etc.

79

91

86

148

12

11

875

993

j) Repairs and maintenance

55

48

246

325

2

2

630

902

k) Insurance

72

77

341

414

9

9

500

410

l) Other expenditure

992

445

1874

1961

33

33

3036

2182

V. Provisions and contingencies

1028

4052

12601

22339

35

123

12044

10777

Total expenses@

18594

18927

85723

95741

1869

1983

86117

80543

VI. Profit (loss)

677

1007

6104

8201

38

96

8033

4026

Total (III+IV+V+VI)

20299

23986

104427

126281

1942

2201

106194

95346

(Amount in Rs. lakh)

For the year ended March 31

Items

HDFC Bank

ICICI Bank

IDBI Bank

IndusInd Bank

2001

2002

2001

2002

2001

2002

2001

2002

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I. Interest Earned

125946

170299

124213

215193

53910

50932

72872

71006

a) Interest/discount on advances/bills

49317

62393

57091

77167

20672

24976

37229

42848

b) Income on Investments

63559

86397

55573

123380

31699

23521

32659

25471

c) Interest on balances with

13058

21396

10867

12262

1452

1234

2984

2687

RBI and other inter-bank funds

d) Others

12

113

683

2384

87

1201

-

-

II. Other income

18553

33325

22001

57466

6958

12254

11655

18437

a) Commission, exchange and brokerage

13411

16448

13953

22978

4272

4222

3306

2630

b) Net Profit (loss) on sale of investments

1150

10383

1921

30571

1135

5540

2461

12076

c) Net Profit (loss) on revaluation of investments

-

-

1377

(1460)

54

-

757

-

d) Net Profit (loss) on sale of land, building & other assets

(60)

(81)

(13)

(6)

(19)

(75)

36

-

e) Net Profit (loss) on exchange transaction

3985

3914

4161

3730

837

918

1283

1366

f) Miscellaneous income

67

2661

601

1653

678

1649

3813

2365

Total (I+II)

144499

203624

146214

272659

60868

63186

84527

89443

Expenditure & Provisions

III. Interest expended

75375

107374

83767

155892

43750

36572

56946

54723

a) Interest on deposits

63903

91552

72544

138893

40038

27420

50759

46996

b) Interest on RBI/inter-bank borrowings

9476

13285

3205

4784

1748

3870

2608

2924

c) Others

1996

2537

8018

12216

1965

5282

3579

4803

IV. Operating expenses

30959

41795

33429

62258

10256

14301

10307

9472

a) Payments to and provisions for employees

7800

10924

5171

14718

2263

3973

1340

2029

b) Rent, taxes and lighting

4341

5775

3648

6628

1807

2519

1866

1915

c) Printing and stationery

1724

1772

2417

3530

373

602

225

225

d) Advertisement and publicity

2545

1878

1433

797

354

220

114

170

e) Depreciation on Bank’s property

5394

6902

3642

6409

1881

2303

2790

2068

f) Directors’ fees, allowances and expenses

(74)

5

18

16

6

11

22

30

g) Auditors’ fees and expenses

21

22

29

31

13

15

35

41

h) Law charges

21

21

54

151

19

50

188

138

i) Postage, telegrams, telephones, etc.

3082

3706

2084

3772

626

1072

632

603

j) Repairs and maintenance

2417

3472

2711

7833

687

863

458

531

k) Insurance

623

836

637

1415

390

362

347

335

l) Other expenditure

3065

6482

11584

16958

1838

2311

2290

1387

V. Provisions and contingencies

17153

24751

12908

28679

4926

7071

13220

20173

Total expenses@

106334

149169

117197

218150

54006

50873

67253

64195

VI. Profit (loss)

21012

29704

16110

25830

1936

5242

4054

5075

Total (III+IV+V+VI)

144499

203624

146214

272659

60868

63186

84527

89443

Notes

1. @: Excluding 'Provisions and Contingencies'.

2. Figures in bracket indicate loss.

Source: Annual accounts of banks of respective years.