TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08
(Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
|
As on March 31 |
|
Axis Bank |
Bank of |
Catholic Syrian |
Centurion Bank of |
Items |
|
|
Rajasthan |
Bank |
Punjab |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
446166 |
700532 |
75793 |
104944 |
40895 |
48126 |
123340 |
218547 |
|
a) |
Interest/Discount on advances/bills |
270286 |
474565 |
44407 |
63128 |
29095 |
35517 |
98371 |
175343 |
|
b) |
Income on investments |
163272 |
210232 |
21806 |
28364 |
9370 |
11094 |
20844 |
37638 |
|
c) |
Interest on balances with RBI and |
7730 |
10764 |
9030 |
13081 |
2422 |
1495 |
3917 |
5055 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
4878 |
4971 |
550 |
371 |
8 |
20 |
208 |
511 |
II. |
Other Income |
101011 |
179548 |
12401 |
12697 |
4262 |
6049 |
44057 |
63729 |
|
a |
Commission, exchange and brokerage |
77896 |
132070 |
4547 |
4401 |
1669 |
1795 |
35870 |
48388 |
|
b) |
Net profit (loss) on sale of investments |
6088 |
22025 |
4135 |
1643 |
-74 |
449 |
719 |
3474 |
|
c) |
Net profit (loss) on revaluation of |
- |
- |
-1177 |
-1225 |
- |
- |
- |
- |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land and |
-291 |
-1518 |
-36 |
21 |
7 |
10 |
112 |
805 |
|
|
other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
12485 |
20748 |
560 |
787 |
663 |
871 |
4816 |
6464 |
|
f) |
Miscellaneous income |
4833 |
6223 |
4372 |
7070 |
1997 |
2924 |
2540 |
4598 |
|
Total (I+II) |
547177 |
880080 |
88194 |
117641 |
45157 |
54175 |
167397 |
282276 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
299332 |
441996 |
43940 |
73560 |
25151 |
31718 |
69895 |
149201 |
|
a) |
Interest on deposits |
248089 |
374252 |
42050 |
70821 |
24017 |
30763 |
65346 |
137653 |
|
b) |
Interest on RBI/inter-bank borrowings |
16880 |
17630 |
83 |
237 |
77 |
41 |
3205 |
7343 |
|
c) |
Others |
34363 |
50114 |
1807 |
2502 |
1057 |
914 |
1344 |
4205 |
IV. |
Operating Expenses |
121460 |
215492 |
25074 |
26952 |
13740 |
15111 |
70582 |
97689 |
|
a) |
Payments to and provisions for employees38135 |
67025 |
16128 |
17494 |
9250 |
9839 |
22131 |
31883 |
|
b) |
Rent, taxes and lighting |
15908 |
25293 |
1911 |
2144 |
1383 |
1629 |
6196 |
9654 |
|
c) |
Printing and stationery |
3758 |
5400 |
324 |
331 |
222 |
246 |
1781 |
1902 |
|
d) |
Advertisement and publicity |
2962 |
7441 |
525 |
444 |
85 |
84 |
989 |
1253 |
|
e) |
Depreciation on bank’s property |
11186 |
15811 |
1192 |
1122 |
513 |
569 |
5697 |
7558 |
|
f) |
Directors’ fees, allowances and expenses |
59 |
70 |
36 |
47 |
37 |
49 |
22 |
29 |
|
g) |
Auditors’ fees and expenses |
50 |
66 |
50 |
50 |
45 |
55 |
62 |
103 |
|
h) |
Law charges |
638 |
519 |
269 |
272 |
97 |
106 |
370 |
597 |
|
i) |
Postage, telegrams, telephones, etc. |
7010 |
10119 |
451 |
515 |
140 |
226 |
3403 |
3687 |
|
j) |
Repairs and maintenance |
12887 |
18959 |
592 |
679 |
293 |
414 |
3796 |
6230 |
|
k) |
Insurance |
5481 |
7672 |
822 |
1086 |
469 |
516 |
1250 |
2014 |
|
l) |
Other expenditure |
23386 |
57117 |
2774 |
2768 |
1206 |
1378 |
24885 |
32779 |
V. |
Provisions and Contingencies |
60482 |
115489 |
8123 |
5609 |
4357 |
3692 |
14782 |
23588 |
|
Total expenses@ |
420792 |
657488 |
69014 |
100512 |
38891 |
46829 |
140477 |
246890 |
VI. |
Profit (Loss) during the year |
65903 |
107103 |
11057 |
11520 |
1909 |
3654 |
12138 |
11798 |
|
Total (III+IV+V+VI) |
547177 |
880080 |
88194 |
117641 |
45157 |
54175 |
167397 |
282276 |
Note @ : Excluding ‘Provisions and Contingencies’.
# : See ‘Explanatory Notes’.
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08
(Contd.)
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
|
As on March 31 |
Items |
City Union Bank |
Development Credit Bank |
Dhanlakshmi Bank |
Federal Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
40005 |
60115 |
34693 |
57411 |
24849 |
31830 |
180146 |
251544 |
|
a) |
Interest/Discount on advances/bills |
30832 |
47948 |
22536 |
42929 |
17705 |
21961 |
128145 |
182732 |
|
b) |
Income on investments |
8586 |
11490 |
9519 |
12542 |
5578 |
7190 |
46660 |
62180 |
|
c) |
Interest on balances with RBI and |
587 |
677 |
2403 |
1831 |
1480 |
2616 |
4381 |
3747 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
- |
- |
235 |
109 |
86 |
63 |
960 |
2885 |
II. |
Other Income |
5408 |
8509 |
9249 |
16256 |
2766 |
3622 |
30258 |
39499 |
|
a) |
Commission, exchange and brokerage |
1397 |
1747 |
5946 |
8446 |
909 |
1210 |
8278 |
9053 |
|
b) |
Net profit (loss) on sale of investments |
344 |
1235 |
629 |
1841 |
-24 |
140 |
4929 |
7505 |
|
c) |
Net profit (loss) on revaluation of |
-562 |
-519 |
-2154 |
-1690 |
-546 |
-580 |
- |
- |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land and |
2 |
2 |
1553 |
1025 |
3 |
- |
71 |
-2 |
|
|
other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
406 |
459 |
1493 |
2287 |
279 |
397 |
3044 |
3379 |
|
f) |
Miscellaneous income |
3821 |
5585 |
1782 |
4347 |
2145 |
2455 |
13936 |
19564 |
|
|
|
|
|
|
|
|
|
|
|
Total (I+II) |
45413 |
68624 |
43942 |
73667 |
27615 |
35452 |
210404 |
291043 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
23255 |
39618 |
22738 |
38800 |
14977 |
21350 |
108496 |
164742 |
|
a) |
Interest on deposits |
22788 |
38953 |
20643 |
35907 |
14200 |
20488 |
103006 |
152585 |
|
b) |
Interest on RBI/inter-bank borrowings |
124 |
263 |
1888 |
2289 |
157 |
192 |
1431 |
2477 |
|
c) |
Others |
343 |
402 |
207 |
604 |
620 |
670 |
4059 |
9680 |
IV. |
Operating Expenses |
9010 |
10876 |
17108 |
23907 |
8776 |
9654 |
40608 |
46888 |
|
a) |
Payments to and provisions for employees |
4437 |
4790 |
6846 |
9713 |
4371 |
4737 |
26045 |
27123 |
|
b) |
Rent, taxes and lighting |
1027 |
1373 |
2391 |
3062 |
1107 |
1205 |
3759 |
4532 |
|
c) |
Printing and stationery |
202 |
209 |
351 |
370 |
95 |
122 |
509 |
532 |
|
d) |
Advertisement and publicity |
228 |
320 |
252 |
280 |
64 |
33 |
390 |
762 |
|
e) |
Depreciation on bank’s property |
1056 |
1480 |
898 |
1331 |
882 |
806 |
2397 |
2922 |
|
f) |
Directors’ fees, allowances and expenses |
21 |
30 |
23 |
44 |
18 |
18 |
48 |
77 |
|
g) |
Auditors’ fees and expenses |
40 |
38 |
30 |
42 |
32 |
35 |
370 |
489 |
|
h) |
Law charges |
8 |
6 |
17 |
28 |
62 |
46 |
359 |
327 |
|
i) |
Postage, telegrams, telephones, etc. |
306 |
309 |
428 |
514 |
291 |
262 |
387 |
660 |
|
j) |
Repairs and maintenance |
294 |
448 |
476 |
724 |
184 |
150 |
923 |
1679 |
|
k) |
Insurance |
411 |
550 |
343 |
466 |
250 |
308 |
1866 |
2246 |
|
l) |
Other expenditure |
980 |
1323 |
5053 |
7333 |
1420 |
1932 |
3555 |
5539 |
V. |
Provisions and Contingencies |
5967 |
7957 |
3360 |
7128 |
2250 |
1603 |
32025 |
42607 |
|
Total expenses@ |
32265 |
50494 |
39846 |
62707 |
23753 |
31004 |
149104 |
211630 |
VI. |
Profit (Loss) during the year |
7181 |
10173 |
736 |
3832 |
1612 |
2845 |
29275 |
36806 |
|
Total (III+IV+V+VI) |
45413 |
68624 |
43942 |
73667 |
27615 |
35452 |
210404 |
291043 |
Note @ : Excluding ‘ Provisions and Contingencies’. |
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08
(Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
|
As on March 31 |
|
HDFC Bank |
ICICI Bank |
IndusInd Bank |
ING Vysya |
Items |
|
|
|
|
|
|
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
664793 |
1011500 |
2199559 |
3078834 |
150026 |
192023 |
126763 |
168044 |
|
a) |
Interest/Discount on advances/bills |
433415 |
696673 |
1609631 |
2260099 |
104460 |
142533 |
95959 |
129689 |
|
b) |
Income on investments |
205753 |
287204 |
498984 |
746601 |
39195 |
44303 |
27835 |
35029 |
|
c) |
Interest on balances with RBI and |
25294 |
27239 |
80856 |
61199 |
3086 |
2192 |
2891 |
2003 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
331 |
384 |
10088 |
10935 |
3285 |
2995 |
78 |
1323 |
II. |
Other Income |
151623 |
228315 |
692787 |
881075 |
24414 |
25801 |
28574 |
41855 |
|
a) |
Commission, exchange and brokerage |
129238 |
171450 |
433086 |
560531 |
6872 |
8483 |
14914 |
23314 |
|
b) |
Net profit (loss) on sale of investments |
-7440 |
16401 |
111524 |
188022 |
1866 |
1944 |
2516 |
1182 |
|
c) |
Net profit (loss) on revaluation of |
599 |
7777 |
-3507 |
-6809 |
-4012 |
-3956 |
- |
- |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land and |
-105 |
70 |
11522 |
6561 |
-2765 |
-67 |
499 |
338 |
|
|
other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
19035 |
28313 |
64396 |
11017 |
1867 |
2889 |
2820 |
4360 |
|
f) |
Miscellaneous income |
10296 |
4304 |
75766 |
121753 |
20586 |
16508 |
7825 |
12661 |
|
|
|
|
|
|
|
|
|
|
|
|
Total (I+II) |
816416 |
1239815 |
2892346 |
3959909 |
174440 |
217824 |
155337 |
209899 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
317945 |
488712 |
1635850 |
2348424 |
122885 |
157986 |
82204 |
118205 |
|
a) |
Interest on deposits |
269532 |
438273 |
1164771 |
1711024 |
105989 |
140115 |
71251 |
104620 |
|
b) |
Interest on RBI/inter-bank borrowings |
27405 |
24243 |
130010 |
182696 |
8390 |
5584 |
2691 |
3345 |
|
c) |
Others |
21008 |
26196 |
341069 |
454704 |
8506 |
12287 |
8262 |
10240 |
IV. |
Operating Expenses |
242080 |
374562 |
669056 |
815417 |
34395 |
40220 |
50500 |
60950 |
|
a) |
Payments to and provisions for employees |
77686 |
130135 |
161675 |
207890 |
9629 |
12190 |
22723 |
30239 |
|
b) |
Rent, taxes and lighting |
19397 |
25861 |
31082 |
51664 |
3032 |
3659 |
3872 |
4507 |
|
c) |
Printing and stationery |
8530 |
13098 |
15247 |
17421 |
1041 |
1124 |
1113 |
1103 |
|
d) |
Advertisement and publicity |
7488 |
11473 |
21774 |
20786 |
333 |
211 |
349 |
428 |
|
e) |
Depreciation on bank’s property |
21960 |
27172 |
54478 |
57835 |
3409 |
4016 |
3798 |
3893 |
|
f) |
Directors’ fees, allowances and expenses |
46 |
39 |
38 |
42 |
39 |
61 |
72 |
36 |
|
g) |
Auditors’ fees and expenses |
57 |
82 |
212 |
230 |
81 |
98 |
105 |
61 |
|
h) |
Law charges |
555 |
1050 |
2848 |
4537 |
1141 |
1316 |
196 |
248 |
|
i) |
Postage, telegrams, telephones, etc. |
18505 |
34988 |
29258 |
33057 |
2214 |
2321 |
1925 |
1916 |
|
j) |
Repairs and maintenance |
12574 |
17933 |
33695 |
41987 |
2393 |
3085 |
2488 |
2116 |
|
k) |
Insurance |
7166 |
9016 |
16890 |
22495 |
1415 |
1735 |
1948 |
2007 |
|
l) |
Other expenditure |
68116 |
103715 |
301859 |
357473 |
9668 |
10404 |
11911 |
14396 |
V. |
Provisions and Contingencies |
142246 |
217523 |
276419 |
380295 |
10336 |
12113 |
13740 |
15054 |
|
Total expenses@ |
560025 |
863274 |
2304906 |
3163841 |
157280 |
198206 |
132704 |
179155 |
VI. |
Profit (Loss) during the year |
114145 |
159018 |
311021 |
415773 |
6824 |
7505 |
8893 |
15690 |
|
Total (III+IV+V+VI) |
816416 |
1239815 |
2892346 |
3959909 |
174440 |
217824 |
155337 |
209899 |
Note @ : Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08
(Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
|
As on March 31 |
Items |
Jammu & Kashmir Bank |
Karnataka Bank |
Karur Vysya Bank |
Kotak Mahindra Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
189933 |
243423 |
125624 |
157081 |
86739 |
113404 |
131911 |
253536 |
|
a) |
Interest/Discount on advances/bills |
135367 |
187756 |
81352 |
112299 |
62111 |
85816 |
100379 |
180205 |
|
b) |
Income on investments |
50803 |
54135 |
41269 |
43254 |
21835 |
26327 |
28084 |
70831 |
|
c) |
Interest on balances with RBI and |
3763 |
1532 |
2516 |
1155 |
2779 |
1116 |
3312 |
1804 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
- |
- |
487 |
373 |
14 |
145 |
136 |
696 |
II. |
Other Income |
16022 |
24502 |
17428 |
22709 |
11917 |
15531 |
31866 |
46345 |
|
a) |
Commission, exchange and brokerage |
8981 |
8324 |
8450 |
10589 |
9393 |
11866 |
18732 |
22208 |
|
b) |
Net profit (loss) on sale of investments |
3372 |
9016 |
6395 |
7820 |
2747 |
3068 |
2474 |
7299 |
|
c) |
Net profit (loss) on revaluation of |
-2251 |
-1833 |
-1072 |
-1035 |
-2703 |
-2763 |
-893 |
-5826 |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land and |
- |
- |
-23 |
4 |
11 |
4 |
55 |
11 |
|
|
other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
884 |
1203 |
1828 |
2481 |
1195 |
1810 |
1521 |
-2736 |
|
f) |
Miscellaneous income |
5036 |
7792 |
1850 |
2850 |
1274 |
1546 |
9977 |
25288 |
|
|
|
|
|
|
|
|
|
|
|
|
Total (I+II) |
205955 |
267925 |
143052 |
179790 |
98656 |
128935 |
163777 |
299881 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
113148 |
162379 |
83639 |
110170 |
52029 |
76536 |
69923 |
130957 |
|
a) |
Interest on deposits |
109545 |
157276 |
81956 |
107041 |
50694 |
75311 |
52145 |
96484 |
|
b) |
Interest on RBI/inter-bank borrowings |
3536 |
5103 |
795 |
1392 |
1019 |
851 |
9905 |
19015 |
|
c) |
Others |
67 |
- |
888 |
1737 |
316 |
374 |
7873 |
15458 |
IV. |
Operating Expenses |
37244 |
40360 |
23755 |
30558 |
19248 |
21623 |
61270 |
101938 |
|
a) |
Payments to and provisions for employees22007 |
22577 |
12909 |
18099 |
9270 |
10178 |
29298 |
51923 |
|
b) |
Rent, taxes and lighting |
2669 |
2697 |
2657 |
3395 |
1571 |
1962 |
4100 |
8425 |
|
c) |
Printing and stationery |
384 |
451 |
302 |
312 |
315 |
309 |
1553 |
2758 |
|
d) |
Advertisement and publicity |
494 |
772 |
278 |
266 |
941 |
734 |
1500 |
2201 |
|
e) |
Depreciation on bank’s property |
3314 |
3216 |
1662 |
1746 |
2201 |
1960 |
3474 |
5086 |
|
f) |
Directors’ fees, allowances and expenses |
22 |
26 |
22 |
30 |
44 |
54 |
20 |
19 |
|
g) |
Auditors’ fees and expenses |
364 |
561 |
57 |
63 |
44 |
56 |
87 |
95 |
|
h) |
Law charges |
67 |
96 |
89 |
119 |
38 |
58 |
614 |
1117 |
|
i) |
Postage, telegrams, telephones, etc. |
462 |
462 |
404 |
461 |
751 |
723 |
2073 |
3408 |
|
j) |
Repairs and maintenance |
493 |
786 |
950 |
896 |
419 |
629 |
2604 |
4628 |
|
k) |
Insurance |
1604 |
1794 |
1513 |
1713 |
853 |
1014 |
417 |
903 |
|
l) |
Other expenditure |
5364 |
6922 |
2912 |
3458 |
2801 |
3946 |
15530 |
21375 |
V. |
Provisions and Contingencies |
28113 |
29183 |
17955 |
14886 |
11377 |
9943 |
18445 |
37596 |
|
Total expenses@ |
150392 |
202739 |
107394 |
140728 |
71277 |
98159 |
131193 |
232895 |
VI. |
Profit (Loss) during the year |
27450 |
36003 |
17703 |
24176 |
16002 |
20833 |
14139 |
29390 |
|
Total (III+IV+V+VI) |
205955 |
267925 |
143052 |
179790 |
98656 |
128935 |
163777 |
299881 |
Note @ : Excluding ‘ Provisions and Contingencies’.
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08 (Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
|
As on March 31 |
Items |
Lakshmi Vilas Bank |
Lord Krishna Bank # |
Nainital Bank |
Ratnakar Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
41826 |
50605 |
18903 |
|
12316 |
16868 |
7632 |
10729 |
|
a) |
Interest/Discount on advances/bills |
31213 |
37898 |
12416 |
|
7167 |
10386 |
5436 |
6004 |
|
b) |
Income on investments |
8915 |
10310 |
5672 |
|
3148 |
3532 |
1808 |
2396 |
|
c) |
Interest on balances with RBI and |
1616 |
1365 |
815 |
|
1990 |
2931 |
373 |
2298 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
82 |
1032 |
- |
|
11 |
19 |
15 |
31 |
II. |
Other Income |
5672 |
8249 |
1527 |
|
457 |
754 |
464 |
873 |
|
a) |
Commission, exchange and brokerage |
3570 |
2840 |
842 |
|
347 |
442 |
226 |
357 |
|
b) |
Net profit (loss) on sale of investments |
-125 |
2133 |
-284 |
|
-462 |
-315 |
26 |
165 |
|
c) |
Net profit (loss) on revaluation of |
- |
- |
-1123 |
|
-7 |
-13 |
- |
- |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land and |
41 |
548 |
-24 |
|
- |
- |
- |
2 |
|
|
other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
555 |
617 |
419 |
|
- |
- |
- |
- |
|
f) |
Miscellaneous income |
1631 |
2111 |
1697 |
|
579 |
640 |
212 |
349 |
|
|
|
|
|
|
|
|
|
|
|
Total (I+II) |
47498 |
58854 |
20430 |
|
12773 |
17622 |
8096 |
11602 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
29919 |
38192 |
14404 |
|
5548 |
9300 |
4244 |
5238 |
|
a) |
Interest on deposits |
28435 |
36320 |
13700 |
|
5441 |
9034 |
4209 |
5204 |
|
b) |
Interest on RBI/inter-bank borrowings |
330 |
555 |
150 |
|
107 |
266 |
3 |
2 |
|
c) |
Others |
1154 |
1317 |
554 |
|
- |
- |
32 |
32 |
IV. |
Operating Expenses |
10221 |
11645 |
5708 |
|
3389 |
3225 |
3217 |
2976 |
|
a) |
Payments to and provisions for employees |
5620 |
6304 |
2585 |
|
2347 |
2044 |
2208 |
1712 |
|
b) |
Rent, taxes and lighting |
829 |
978 |
1133 |
|
249 |
277 |
307 |
356 |
|
c) |
Printing and stationery |
147 |
151 |
49 |
|
46 |
47 |
40 |
43 |
|
d) |
Advertisement and publicity |
126 |
118 |
26 |
|
16 |
18 |
13 |
23 |
|
e) |
Depreciation on bank’s property |
745 |
858 |
374 |
|
193 |
180 |
290 |
316 |
|
f) |
Directors’ fees, allowances and expenses |
18 |
43 |
4 |
|
4 |
5 |
5 |
6 |
|
g) |
Auditors’ fees and expenses |
24 |
28 |
22 |
|
11 |
14 |
7 |
8 |
|
h) |
Law charges |
50 |
47 |
25 |
|
17 |
29 |
17 |
15 |
|
i) |
Postage, telegrams, telephones, etc. |
254 |
497 |
77 |
|
54 |
56 |
38 |
34 |
|
j) |
Repairs and maintenance |
64 |
66 |
149 |
|
38 |
50 |
46 |
42 |
|
k) |
Insurance |
438 |
496 |
211 |
|
110 |
142 |
89 |
93 |
|
l) |
Other expenditure |
1906 |
2059 |
1053 |
|
304 |
363 |
157 |
328 |
V. |
Provisions and Contingencies |
5600 |
6490 |
1649 |
|
2060 |
2384 |
336 |
1687 |
|
Total expenses@ |
40140 |
49837 |
20112 |
|
8937 |
12525 |
7461 |
8214 |
VI. |
Profit (Loss) during the year |
1758 |
2527 |
-1331 |
|
1776 |
2713 |
299 |
1701 |
|
Total (III+IV+V+VI) |
47498 |
58854 |
20430 |
|
12773 |
17622 |
8096 |
11602 |
Note @ : Excluding ‘Provisions and Contingencies’. |
|
|
|
|
|
|
|
|
# See ‘Explanatory Notes.’ |
|
|
|
|
|
|
|
|
Source |
: Annual accounts of banks of respective years . |
|
|
|
|
|
|
|
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08 (Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
|
As on March 31 |
|
Sangli Bank # |
SBI Comm. & |
South Indian Bank |
Tamilnad Mercantile |
Items |
|
|
Intl. Bank |
|
|
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
11129 |
|
3394 |
4365 |
97660 |
130925 |
63799 |
77414 |
|
a) |
Interest/Discount on advances/bills |
3460 |
|
2015 |
2802 |
69441 |
96057 |
38704 |
50595 |
|
b) |
Income on investments |
5673 |
|
825 |
1062 |
21880 |
29072 |
21950 |
22969 |
|
c) |
Interest on balances with RBI and |
1994 |
|
546 |
488 |
6339 |
5796 |
1686 |
714 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
2 |
|
8 |
13 |
- |
- |
1459 |
3136 |
II. |
Other Income |
683 |
|
386 |
1380 |
10316 |
12458 |
8285 |
11756 |
|
a) |
Commission, exchange and brokerage |
444 |
|
102 |
145 |
2428 |
2809 |
3262 |
3510 |
|
b) |
Net profit (loss) on sale of investments |
36 |
|
- |
248 |
3160 |
3157 |
983 |
962 |
|
c) |
Net profit (loss) on revaluation of |
-59 |
|
- |
- |
-1837 |
-1800 |
-989 |
-1314 |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land and |
2 |
|
- |
- |
-2 |
-16 |
39 |
2 |
|
|
other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
50 |
|
-184 |
161 |
1469 |
1569 |
1151 |
1633 |
|
f) |
Miscellaneous income |
210 |
|
468 |
826 |
5098 |
6739 |
3839 |
6963 |
|
|
|
|
|
|
|
|
|
|
|
|
Total (I+II) |
11812 |
|
3780 |
5745 |
107976 |
143383 |
72084 |
89170 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
7100 |
|
2271 |
3587 |
60909 |
91510 |
34221 |
49880 |
|
a) |
Interest on deposits |
7079 |
|
1964 |
3278 |
59260 |
89481 |
32965 |
46234 |
|
b) |
Interest on RBI/inter-bank borrowings |
21 |
|
301 |
309 |
91 |
680 |
118 |
199 |
|
c) |
Others |
- |
|
6 |
- |
1558 |
1349 |
1138 |
3447 |
IV. |
Operating Expenses |
8652 |
|
939 |
921 |
21885 |
24807 |
14743 |
16850 |
|
a) |
Payments to and provisions for employees |
6690 |
|
462 |
393 |
13323 |
14635 |
8899 |
10140 |
|
b) |
Rent, taxes and lighting |
440 |
|
123 |
158 |
1945 |
2175 |
1183 |
1374 |
|
c) |
Printing and stationery |
28 |
|
9 |
8 |
521 |
819 |
308 |
346 |
|
d) |
Advertisement and publicity |
6 |
|
2 |
1 |
364 |
354 |
326 |
324 |
|
e) |
Depreciation on bank’s property |
36 |
|
94 |
90 |
1178 |
1219 |
1022 |
966 |
|
f) |
Directors’ fees, allowances and expenses |
2 |
|
11 |
14 |
32 |
35 |
36 |
43 |
|
g) |
Auditors’ fees and expenses |
37 |
|
3 |
4 |
82 |
107 |
32 |
31 |
|
h) |
Law charges |
67 |
|
17 |
9 |
89 |
101 |
32 |
33 |
|
i) |
Postage, telegrams, telephones, etc. |
67 |
|
21 |
10 |
520 |
634 |
374 |
465 |
|
j) |
Repairs and maintenance |
193 |
|
26 |
23 |
625 |
661 |
443 |
577 |
|
k) |
Insurance |
160 |
|
51 |
66 |
1015 |
1319 |
543 |
638 |
|
l) |
Other expenditure |
926 |
|
120 |
145 |
2191 |
2748 |
1545 |
1913 |
V |
Provisions and Contingencies |
29198 |
|
(185) |
(48) |
14770 |
11903 |
12542 |
9766 |
|
Total expenses@ |
15752 |
|
3210 |
4508 |
82794 |
116317 |
48964 |
66730 |
VI. |
Profit (Loss) during the year |
-33138 |
|
755 |
1285 |
10412 |
15163 |
10578 |
12674 |
|
Total (III+IV+V+VI) |
11812 |
|
3780 |
5745 |
107976 |
143383 |
72084 |
89170 |
Note @ : Excluding ‘ Provisions and Contingencies’.
# See ‘Explanatory Notes.’
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08 (Concld.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
|
As on March 31 |
Items |
Yes Bank |
|
2007 |
2008 |
|
(49) |
(50) |
Income |
|
|
I. |
Interest Earned |
58760 |
131082 |
|
a) |
Interest/Discount on advances/bills |
42264 |
93037 |
|
b) |
Income on investments |
15104 |
36682 |
|
c) |
Interest on balances with RBI and |
1056 |
1052 |
|
|
other inter-bank funds |
|
|
|
d) |
Others |
336 |
311 |
II. |
Other Income |
19458 |
35453 |
|
a) |
Commission, exchange and brokerage |
11159 |
20508 |
|
b) |
Net profit (loss) on sale of investments |
1064 |
5909 |
|
c) |
Net profit (loss) on revaluation of |
-614 |
-614 |
|
|
investments |
|
|
|
d) |
Net profit (loss) on sale of land and |
- |
-1 |
|
|
other assets |
|
|
|
e) |
Net profit (loss) on exchange transactions |
3305 |
2198 |
|
f) |
Miscellaneous income |
4544 |
7453 |
|
|
|
|
|
|
Total (I+II) |
78218 |
166535 |
Expenditure & Provisions |
|
|
III. |
Interest Expended |
41625 |
97411 |
|
a) |
Interest on deposits |
32930 |
85401 |
|
b) |
Interest on RBI/inter-bank borrowings |
6694 |
5948 |
|
c) |
Others |
2001 |
6062 |
IV. |
Operating Expenses |
19350 |
34116 |
|
a) |
Payments to and provisions for employees |
11747 |
20241 |
|
b) |
Rent, taxes and lighting |
1602 |
3170 |
|
c) |
Printing and stationery |
251 |
384 |
|
d) |
Advertisement and publicity |
268 |
167 |
|
e) |
Depreciation on bank’s property |
1107 |
1923 |
|
f) |
Directors’ fees, allowances and expenses |
27 |
26 |
|
g) |
Auditors’ fees and expenses |
31 |
34 |
|
h) |
Law charges |
184 |
191 |
|
i) |
Postage, telegrams, telephones, etc. |
307 |
735 |
|
j) |
Repairs and maintenance |
185 |
297 |
|
k) |
Insurance |
113 |
208 |
|
l) |
Other expenditure |
3528 |
6740 |
V. |
Provisions and Contingencies |
7806 |
15006 |
|
Total expenses@ |
60975 |
131527 |
VI. |
Profit (Loss) during the year |
9437 |
20002 |
|
Total (III+IV+V+VI) |
78218 |
166535 |
Note @ : Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years . |
|
