B5. Earnings and Expenses of Scheduled Commercial Banks: 2001-2002 and 2002-2003 (Part 1 of 6)

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ಪ್ರಕಟಿಸಲಾದ ದಿನಾಂಕ ಜನವರಿ 13, 2004

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B5. Earnings and Expenses of Scheduled Commercial Banks: 2001-2002 and 2002-2003 (Part 1 of 6)

							(Amount in Rs. lakh)

Items	State Bank of India		State Bank of Bikaner		State Bank of Hyderabad		State Bank of Indore
			and Jaipur
	2002	2003	2002	2003	2002	2003	2002	2003
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I. Interest Earned	2981009	3108702	135747	143820	191830	206727	88777	98647
a) Interest/discount on advances/bills	1106340	1122909	60526	65339	85821	90910	39857	48655
b) Income on Investments	1427187	1525764	64744	71575	98928	111077	45218	47317
c) Interest on balances with	305488	327367	5404	2964	4865	4008	2129	1721
RBI and other inter-bank funds
d) Others	141993	132662	5073	3942	2215	731	1573	954

II. Other income	417449	574026	30079	33990	36532	46158	27479	30196
a) Commission, exchange and brokerage	281651	297735	19574	20317	17929	18608	7541	8371
b) Net Profit (loss) on sale of investments	35164	169459	7690	10665	10509	20699	17377	18275
c) Net Profit (loss) on revaluation of investments	-1920	-506	0	0	0	0	0	0
d) Net Profit (loss) on sale of land, building & other assets	1477	-27	-4	-8	32	16	4	1
e) Net Profit (loss) on exchange transaction	40764	46357	2129	2371	3539	4117	873	2049
f) Miscellaneous income	60312	61009	691	646	4522	2718	1684	1500
Total (I+II)	3398457	3682728	165826	177810	228361	252885	116256	128843
Expenditure & Provisions
III. Interest expended	2072884	2110946	86718	88683	126864	131951	59555	61929
a) Interest on deposits	1955427	2017419	83368	86626	121911	128090	55652	58580
b) Interest on RBI/inter-bank borrowings	36407	19539	505	126	1405	930	252	246
c) Others	81050	73988	2845	1931	3548	2931	3651	3102

IV. Operating expenses	721090	794242	40047	45043	41492	45140	22477	24814
a) Payments to and provisions for employees	515278	568872	28906	31970	28323	30671	15299	16618
b) Rent, taxes and lighting	52444	56474	2798	3165	3431	3750	1547	1800
c) Printing and stationery	11990	12217	713	791	844	944	329	410
d) Advertisement and publicity	2432	3444	162	284	132	107	32	74
e) Depreciation on Bank's property	42496	49369	2032	2875	1770	2444	1471	1700
f) Directors' fees, allowances and expenses	72	64	5	7	15	14	6	7
g) Auditors' fees and expenses	3429	4083	310	299	378	374	221	231
h) Law charges	4138	4372	66	72	92	80	64	58
i) Postage, telegrams, telephones, etc.	6207	5682	637	570	560	378	393	357
j) Repairs and maintenance	5875	6892	283	307	336	313	167	195
k) Insurance	14250	15144	598	645	838	1010	421	470
l) Other expenditure	62480	67630	3537	4058	4773	5054	2527	2893

V. Provisions and contingencies	361321	467040	22611	23758	37357	45655	21714	22068
Total expenses @	2793974	2905188	126765	133725	168356	177090	82032	86743

VI. Profit (loss)	243162	310500	16450	20328	22649	30140	12510	20032
Total (III+IV+V+VI)	3398457	3682728	165826	177810	228361	252885	116256	128843

							(Amount in Rs. lakh)

Items	State Bank of Mysore		State Bank of Patiala		State Bank of Saurashtra		State Bank of Travancore

	2002	2003	2002	2003	2002	2003	2002	2003
	(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I. Interest Earned	97112	103713	150460	176365	84278	90435	145389	158444
a) Interest/discount on advances/bills	49700	52801	79697	98348	40694	41832	68277	78980
b) Income on Investments	43680	47791	59034	70072	39595	45731	68003	72470
c) Interest on balances with	2302	1588	8958	5780	3278	1979	4141	5146
RBI and other inter-bank funds
d) Others	1431	1532	2771	2166	711	892	4968	1848

II. Other income	23326	29386	26448	34550	17346	21489	23018	30016
a) Commission, exchange and brokerage	11145	11841	13592	16557	8328	9101	11762	13218
b) Net Profit (loss) on sale of investments	7579	9926	9548	14285	8043	11178	7502	13022
c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	0	0	0
d) Net Profit (loss) on sale of land, building & other assets	58	13	-46	-84	3	-2	54	5
e) Net Profit (loss) on exchange transaction	2080	2268	1952	2798	969	1210	2548	2594
f) Miscellaneous income	2465	5337	1403	994	3	3	1152	1177
Total (I+II)	120439	133099	176907	210916	101624	111924	168407	188460
Expenditure & Provisions
III. Interest expended	65588	65052	84763	97461	56272	58483	102946	106159
a) Interest on deposits	61869	61675	82374	95955	55031	57887	95790	100194
b) Interest on RBI/inter-bank borrowings	525	124	1683	1180	178	114	4709	225
c) Others	3195	3254	705	326	1063	482	2447	5740

IV. Operating expenses	31371	32772	35682	39500	23226	24777	33334	36801
a) Payments to and provisions for employees	24153	24825	24787	26232	14747	15460	24500	26940
b) Rent, taxes and lighting	2092	2359	2421	3343	1647	1769	2279	2729
c) Printing and stationery	348	388	531	628	322	360	452	508
d) Advertisement and publicity	33	42	53	65	39	55	128	172
e) Depreciation on Bank's property	1126	1211	1899	3064	713	1060	1659	1988
f) Directors' fees, allowances and expenses	7	9	10	10	16	15	12	8
g) Auditors' fees and expenses	243	191	253	285	217	233	322	312
h) Law charges	62	147	65	118	128	46	15	29
i) Postage, telegrams, telephones, etc.	63	36	650	666	315	332	217	98
j) Repairs and maintenance	157	179	367	520	277	295	332	391
k) Insurance	47	35	624	795	365	386	746	640
l) Other expenditure	3041	3350	4023	3773	4440	4766	2672	2984

V. Provisions and contingencies	16889	23683	33169	41752	13925	19408	20034	28395
Total expenses@	96960	97824	120444	136961	79498	83261	136280	142961

VI. Profit (loss)	6590	11592	23294	32202	8201	9255	12093	17104
Total (III+IV+V+VI)	120439	133099	176907	210916	101624	111924	168407	188460
Notes
@: Excluding 'Provisions and Contingencies'.
1. Figures in brackets indicate loss.
Source: Annual accounts of banks of respective years.