For the year ended March 31

Items

 State Bank of India

 Nationalised Banks

 Foreign Banks

 Other Scheduled

 All Scheduled

 & its Associates

 Commercial Banks

 Commercial Banks

2003

2004

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

 Number of reporting banks

8

8

19

19

36

33

29

30

92

90

I. Interest earned

40869

40956

66324

68540

8974

8990

24379

25542

140542

144026

   a) Interest/discount on advances/bills

15998

16250

33200

33684

5392

5045

13885

15072

68473

70050

   b) Income on Investments

19918

20903

30081

32269

3141

3404

9207

9222

62347

65797

   c) Interest on balances with RBI and other inter-Bank Funds

3506

2722

2121

1676

301

378

872

749

6798

5525

   d) Others

1447

1081

922

911

140

163

415

499

2924

2654

II. Other income

7998

10935

13273

17172

3071

4020

7232

7612

31574

39738

   a) Commission, exchange and brokerage

3957

4205

3336

3605

1382

1632

1891

2383

10566

11825

   b) Net Profit(loss) on sale and revaluation of investment

2671

4928

7082

10243

503

610

3999

3498

14255

19280

   c) Net Profit(loss) on sale of land,building and other Assets

-1

0

5

13

-11

9

-26

1

-33

23

   d) Net profit(loss) on exchange transactions

638

692

1035

1191

894

1368

260

502

2826

3753

   e) Miscellaneous income

733

1110

1815

2120

303

401

1108

1228

3960

4857

Total(I+II)

48867

51891

79597

85712

12045

13010

31611

33154

172116

183764

III.  Interest expended

27207

25396

42646

40370

5065

4272

18602

17529

93519

87565

   a) Interest on deposits

26064

24028

40557

38186

3550

2895

12450

12496

82621

77605

   b) Interest on RBI/inter-bank borrowings

225

203

573

545

1351

1093

472

646

2621

2486

   c) Others

918

1165

1516

1639

164

284

5680

4387

8277

7474

IV.  Operating expenses

10429

12132

18466

20229

3248

3752

5861

7414

38002

43522

   a) Payments to and provisions for employees

7416

8353

13062

14068

1038

1200

2105

2574

23620

26195

   b) Rent, taxes and lighting

754

852

1293

1402

250

253

525

653

2821

3159

   c) Printing and stationery

162

196

252

257

79

88

179

213

673

754

   d) Advertisement and publicity

42

79

90

151

134

196

136

191

402

618

   e) Depreciation on bank's property

637

916

960

1017

279

298

1043

1141

2919

3372

   f) Directors' fees, allowances and expenses

1

2

6

8

1

1

5

6

13

16

   g) Auditors' fees and expenses

60

74

128

173

3

3

12

15

203

264

   h) Law charges

49

57

64

127

40

53

28

49

180

286

   i) Postage, telegrams, telephones, etc.

81

113

176

222

177

206

262

362

696

901

   j) Repairs and maintenance

91

122

250

314

163

177

321

433

824

1046

   k) Insurance

191

220

365

416

62

51

108

135

727

821

   l) Other expenditure

945

1148

1820

2074

1022

1226

1137

1642

4924

6090

V.  Provisions and contingencies

6718

8745

10702

14184

1911

2744

4237

4727

23567

30399

Total expenses@

37636

37528

61112

60599

8313

8024

24463

24943

131521

131087

VI. Profit (loss)

4513

5618

7783

10929

1821

2242

2911

3484

17028

22278

Notes 

@        : Excluding 'Provisions and Contingencies'.

1 : Figures in brackets indicate loss.