Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 2 of 26) - ಆರ್ಬಿಐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 2 of 26)
NATIONALISED BANKS |
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(Amount in Rs. lakh) |
||||||
For the year ended 31st March |
||||||||||||||||
Items |
Allahabad Bank |
Andhra Bank |
Bank of Baroda |
Bank of India |
||||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||||
|
|
|
(1) |
(2) |
|
(3) |
(4) |
|
(5) |
(6) |
|
(7) |
(8) |
|||
Income |
||||||||||||||||
I. |
Interest earned |
109337 |
127822 |
66940 |
78725 |
353018 |
376175 |
289029 |
351339 |
|||||||
a) |
Interest/discount on advances/bills |
58932 |
68609 |
33694 |
38335 |
220349 |
223651 |
172503 |
223389 |
|||||||
b) |
Income on investments |
41175 |
51465 |
27669 |
34572 |
101520 |
114912 |
96899 |
109606 |
|||||||
c) |
Interest on balances with RBI and other |
6359 |
5771 |
5574 |
5793 |
20903 |
32413 |
19022 |
14129 |
|||||||
inter-bank funds |
||||||||||||||||
d) |
Others |
2870 |
1977 |
3 |
25 |
10245 |
5199 |
606 |
4215 |
|||||||
II. |
Other income |
14893 |
18096 |
7749 |
9838 |
46619 |
45864 |
42091 |
49016 |
|||||||
a) |
Commission, exchange, brokerage, etc. |
10289 |
12435 |
4926 |
5168 |
33860 |
24423 |
23745 |
25477 |
|||||||
b) |
Net profit (loss) on sale of investments |
103 |
395 |
(48) |
17 |
(228) |
1396 |
359 |
1062 |
|||||||
c) |
Net profit (loss) on revaluation of investments |
- |
289 |
154 |
117 |
- |
343 |
- |
269 |
|||||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
10 |
15 |
37 |
68 |
(24) |
1 |
|||||||
& other assets |
|
|
|
|
|
|
|
|
||||||||
e) |
Net profit (loss) on exchange transaction |
2822 |
2909 |
1220 |
1185 |
4738 |
8545 |
8257 |
7372 |
|||||||
f) |
Miscellaneous income |
1679 |
2069 |
1640 |
3335 |
8213 |
11090 |
9753 |
14835 |
|||||||
|
|
|
|
|
|
|
|
|
|
|
||||||
|
Total (I+II) |
124231 |
145918 |
|
74689 |
88562 |
|
399637 |
422039 |
|
331120 |
400356 |
||||
Expenditure & Provisions |
||||||||||||||||
III. |
Interest expended |
76168 |
87670 |
45501 |
54108 |
224963 |
255181 |
193850 |
237325 |
|||||||
a) |
Interest on deposits |
69991 |
85172 |
41074 |
51905 |
205387 |
237424 |
179657 |
223057 |
|||||||
b) |
Interest on RBI/inter-bank borrowings |
1703 |
137 |
4387 |
2187 |
9750 |
2083 |
14076 |
14085 |
|||||||
c) |
Others |
4474 |
2361 |
39 |
16 |
9826 |
15673 |
117 |
183 |
|||||||
IV. |
Operating expenses |
37741 |
39822 |
23021 |
25699 |
86947 |
89215 |
89884 |
105081 |
|||||||
a) |
Payments to and provisions for employees |
25572 |
26377 |
16663 |
18618 |
54942 |
60595 |
65750 |
71426 |
|||||||
b) |
Rent, taxes and lighting |
3524 |
3992 |
1084 |
1250 |
6875 |
7674 |
6900 |
7657 |
|||||||
c) |
Printing and stationery |
561 |
583 |
369 |
454 |
2159 |
1968 |
1594 |
1698 |
|||||||
d) |
Advertisement and publicity |
62 |
112 |
59 |
57 |
251 |
321 |
333 |
411 |
|||||||
e) |
Depreciation on Bank's property |
935 |
990 |
646 |
741 |
2853 |
3197 |
2504 |
4759 |
|||||||
f) |
Directors' fees, allowances and expenses |
- |
- |
6 |
7 |
28 |
30 |
4 |
7 |
|||||||
g) |
Auditors' fees and expenses |
112 |
119 |
133 |
109 |
530 |
599 |
508 |
484 |
|||||||
h) |
Law charges |
222 |
220 |
100 |
62 |
1377 |
1125 |
1319 |
2764 |
|||||||
i) |
Postage, telegrams, telephones, etc. |
613 |
680 |
305 |
322 |
1413 |
1193 |
915 |
771 |
|||||||
j) |
Repairs and maintenance |
319 |
400 |
370 |
444 |
1577 |
1791 |
1210 |
1358 |
|||||||
k) |
Insurance |
2941 |
2784 |
1173 |
1072 |
6123 |
2044 |
1161 |
1528 |
|||||||
l) |
Other expenditure |
2878 |
3564 |
2114 |
2564 |
8820 |
8679 |
7687 |
12219 |
|||||||
V. |
Provisions and contingencies |
9759 |
11996 |
5059 |
5185 |
67300 |
49990 |
19738 |
21948 |
|||||||
Total expenses |
123668 |
139488 |
73582 |
84993 |
379210 |
394386 |
303472 |
364354 |
||||||||
VI. |
Profit (loss) |
562 |
6430 |
1108 |
3570 |
20427 |
27653 |
27648 |
36002 |
|||||||
|
|
|
|
|
|
|
|
|
|
|
||||||
Total (III+IV+V+VI) |
124231 |
145918 |
|
74689 |
88562 |
|
399637 |
422039 |
|
331120 |
400356 |
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||||
For the year ended 31st March |
||||||||||||||||
Items |
Bank of Maharashtra |
Canara Bank |
Central Bank of India |
Corporation Bank |
||||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||||
|
|
|
(9) |
(10) |
|
(11) |
(12) |
|
(13) |
(14) |
|
(15) |
(16) |
|||
Income |
||||||||||||||||
I. |
Interest earned |
74198 |
85786 |
294808 |
341380 |
215265 |
253092 |
66560 |
82811 |
|||||||
a) |
Interest/discount on advances/bills |
34197 |
40379 |
169604 |
197175 |
115330 |
128886 |
30760 |
40217 |
|||||||
b) |
Income on investments |
34433 |
41774 |
105099 |
122014 |
84589 |
108884 |
28652 |
36554 |
|||||||
c) |
Interest on balances with RBI and other |
5198 |
3478 |
18155 |
21498 |
12575 |
11401 |
5973 |
3978 |
|||||||
inter-bank funds |
||||||||||||||||
d) |
Others |
370 |
155 |
1950 |
692 |
2771 |
3922 |
1175 |
2061 |
|||||||
II. |
Other income |
7722 |
7997 |
46723 |
45502 |
27005 |
30486 |
10971 |
11161 |
|||||||
a) |
Commission, exchange, brokerage, etc. |
5969 |
6345 |
24727 |
24629 |
19499 |
19902 |
6107 |
7329 |
|||||||
b) |
Net profit (loss) on sale of investments |
413 |
61 |
(2133) |
2245 |
735 |
5389 |
828 |
202 |
|||||||
c) |
Net profit (loss) on revaluation of investments |
(4) |
- |
725 |
885 |
(105) |
53 |
- |
- |
|||||||
d) |
Net profit (loss) on sale of land, building |
32 |
8 |
34 |
49 |
34 |
30 |
7 |
7 |
|||||||
& other assets |
||||||||||||||||
e) |
Net profit (loss) on exchange transaction |
1136 |
1410 |
12543 |
8092 |
5051 |
3516 |
1835 |
1328 |
|||||||
f) |
Miscellaneous income |
176 |
172 |
11552 |
9602 |
1791 |
1596 |
2194 |
2296 |
|||||||
|
|
|
|
|
|
|
|
|
|
|
||||||
|
Total (I+II) |
81920 |
93783 |
|
341530 |
386882 |
|
242270 |
283578 |
|
77531 |
93972 |
||||
Expenditure & Provisions |
||||||||||||||||
III. |
Interest expended |
46210 |
53580 |
187700 |
227788 |
142274 |
169515 |
40726 |
51114 |
|||||||
a) |
Interest on deposits |
41693 |
50933 |
158911 |
214847 |
131522 |
167076 |
37815 |
49291 |
|||||||
b) |
Interest on RBI/inter-bank borrowings |
2683 |
635 |
15880 |
5370 |
4037 |
763 |
1701 |
230 |
|||||||
c) |
Others |
1834 |
2013 |
12909 |
7571 |
6715 |
1676 |
1211 |
1593 |
|||||||
IV. |
Operating expenses |
29062 |
29865 |
85368 |
93673 |
78907 |
84104 |
15195 |
18263 |
|||||||
a) |
Payments to and provisions for employees |
23635 |
23757 |
58718 |
64086 |
62272 |
64755 |
9426 |
11447 |
|||||||
b) |
Rent, taxes and lighting |
1673 |
1721 |
7665 |
8667 |
3948 |
4148 |
1125 |
1382 |
|||||||
c) |
Printing and stationery |
323 |
429 |
1445 |
2474 |
985 |
1329 |
384 |
457 |
|||||||
d) |
Advertisement and publicity |
47 |
72 |
600 |
685 |
113 |
137 |
361 |
312 |
|||||||
e) |
Depreciation on Bank's property |
748 |
873 |
3601 |
4486 |
1157 |
1592 |
746 |
1182 |
|||||||
f) |
Directors' fees, allowances and expenses |
13 |
14 |
11 |
18 |
6 |
11 |
12 |
14 |
|||||||
g) |
Auditors' fees and expenses |
131 |
130 |
376 |
425 |
263 |
295 |
92 |
129 |
|||||||
h) |
Law charges |
54 |
65 |
216 |
118 |
135 |
671 |
30 |
24 |
|||||||
i) |
Postage, telegrams, telephones, etc. |
288 |
310 |
1295 |
1297 |
510 |
353 |
606 |
648 |
|||||||
j) |
Repairs and maintenance |
205 |
255 |
1188 |
1474 |
552 |
645 |
280 |
361 |
|||||||
k) |
Insurance |
851 |
825 |
1806 |
1389 |
899 |
1043 |
270 |
350 |
|||||||
l) |
Other expenditure |
1094 |
1415 |
8446 |
8554 |
8066 |
9126 |
1863 |
1957 |
|||||||
V. |
Provisions and contingencies |
5389 |
5611 |
43211 |
50680 |
28442 |
14876 |
11135 |
12082 |
|||||||
Total expenses |
80660 |
89056 |
316278 |
372142 |
249623 |
268495 |
67056 |
81459 |
||||||||
VI. |
Profit (loss) |
1260 |
4726 |
25252 |
14740 |
(7354) |
15083 |
10474 |
12513 |
|||||||
|
|
|
|
|
|
|
|
|
|
|
||||||
Total (III+IV+V+VI) |
81920 |
93783 |
|
341530 |
386882 |
|
242270 |
283578 |
|
77531 |
93972 |
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||||
For the year ended 31st March |
||||||||||||||||
Items |
Dena Bank |
Indian Bank |
Indian Overseas |
Oriental Bank of |
||||||||||||
|
|
Bank |
Commerce |
|||||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||||
|
|
|
(17) |
(18) |
|
(19) |
(20) |
|
(21) |
(22) |
|
(23) |
(24) |
|||
Income |
||||||||||||||||
I. |
Interest earned |
81941 |
101444 |
150287 |
156316 |
159686 |
185943 |
102595 |
125054 |
|||||||
a) |
Interest/discount on advances/bills |
46764 |
57961 |
93841 |
93488 |
81674 |
99802 |
57451 |
70762 |
|||||||
b) |
Income on investments |
30879 |
40633 |
49775 |
57637 |
64661 |
69643 |
39373 |
49355 |
|||||||
c) |
Interest on balances with RBI and other |
4278 |
2701 |
6671 |
5191 |
12128 |
14532 |
4978 |
3650 |
|||||||
inter-bank funds |
||||||||||||||||
d) |
Others |
20 |
149 |
- |
- |
1223 |
1965 |
793 |
1287 |
|||||||
II. |
Other income |
9855 |
11015 |
19143 |
21710 |
13700 |
19165 |
10081 |
10438 |
|||||||
a) |
Commission, exchange, brokerage, etc. |
5994 |
5899 |
7874 |
6847 |
10086 |
11183 |
6541 |
6634 |
|||||||
b) |
Net profit (loss) on sale of investments |
150 |
683 |
1100 |
1671 |
(1048) |
1030 |
150 |
223 |
|||||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
(92) |
417 |
(5) |
- |
- |
78 |
|||||||
d) |
Net profit (loss) on sale of land, building |
12 |
7 |
23 |
20 |
259 |
103 |
7 |
4 |
|||||||
& other assets |
||||||||||||||||
e) |
Net profit (loss) on exchange transaction |
1779 |
1800 |
7743 |
7300 |
1686 |
4615 |
2861 |
2853 |
|||||||
f) |
Miscellaneous income |
1920 |
2625 |
2494 |
5454 |
2721 |
2235 |
522 |
646 |
|||||||
|
|
|
|
|
|
|
|
|
|
|
||||||
|
Total (I+II) |
91796 |
112459 |
|
169430 |
178026 |
|
173386 |
205108 |
|
112676 |
135493 |
||||
Expenditure & Provisions |
||||||||||||||||
III. |
Interest expended |
51920 |
64005 |
141061 |
144203 |
121351 |
143212 |
62574 |
80087 |
|||||||
a) |
Interest on deposits |
46407 |
57881 |
86138 |
105219 |
89043 |
123747 |
59012 |
78168 |
|||||||
b) |
Interest on RBI/inter-bank borrowings |
1974 |
1457 |
26248 |
11124 |
21728 |
5938 |
2446 |
734 |
|||||||
c) |
Others |
3539 |
4667 |
28674 |
27859 |
10580 |
13527 |
1117 |
1185 |
|||||||
IV. |
Operating expenses |
25327 |
29050 |
50738 |
47659 |
49840 |
48951 |
22488 |
25337 |
|||||||
a) |
Payments to and provisions for employees |
18567 |
21165 |
36288 |
35184 |
37417 |
36840 |
14185 |
15431 |
|||||||
b) |
Rent, taxes and lighting |
1638 |
1883 |
3317 |
3490 |
3403 |
3798 |
2542 |
3147 |
|||||||
c) |
Printing and stationery |
505 |
555 |
858 |
807 |
679 |
682 |
522 |
532 |
|||||||
d) |
Advertisement and publicity |
160 |
133 |
416 |
89 |
215 |
139 |
70 |
49 |
|||||||
e) |
Depreciation on Bank's property |
593 |
769 |
1494 |
1654 |
1257 |
1434 |
1045 |
1231 |
|||||||
f) |
Directors' fees, allowances and expenses |
12 |
16 |
13 |
11 |
16 |
20 |
11 |
17 |
|||||||
g) |
Auditors' fees and expenses |
118 |
171 |
250 |
269 |
224 |
208 |
109 |
128 |
|||||||
h) |
Law charges |
117 |
86 |
73 |
48 |
60 |
130 |
237 |
274 |
|||||||
i) |
Postage, telegrams, telephones, etc. |
312 |
372 |
426 |
384 |
1067 |
591 |
465 |
529 |
|||||||
j) |
Repairs and maintenance |
491 |
506 |
869 |
971 |
216 |
162 |
303 |
323 |
|||||||
k) |
Insurance |
1251 |
1282 |
777 |
799 |
1255 |
1019 |
360 |
672 |
|||||||
l) |
Other expenditure |
1564 |
2113 |
5957 |
3954 |
4031 |
3927 |
2640 |
3001 |
|||||||
V. |
Provisions and contingencies |
9380 |
12113 |
111272 |
25073 |
1875 |
2493 |
10335 |
12045 |
|||||||
Total expenses |
86627 |
105168 |
303071 |
216935 |
173066 |
194656 |
95397 |
117468 |
||||||||
VI. |
Profit (loss) |
5169 |
7291 |
(133640) |
(38909) |
320 |
10451 |
17279 |
18025 |
|||||||
|
|
|
|
|
|
|
|
|
|
|
||||||
Total (III+IV+V+VI) |
91796 |
112459 |
|
169430 |
178026 |
|
173386 |
205108 |
|
112676 |
135493 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |