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83749706

B2 : Earnings and Expenses OD Scheduled Commercial Banks : 2002-03 and 2003-04 (Part 1 of 3)

(Amount in Rs. lakh)

As on March 31

   State Bank of India

  State Bank of Bikaner

  State Bank of Hyderabad

  State Bank of Indore

& Jaipur

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 Income

 I. Interest Earned

3108702

3046049

143820

157357

206726

221293

98647

104621

    a) Interest/discount on advances/bills

1122909

1126718

65339

69103

90910

95866

48655

49635

    b) Income on Investments

1525764

1571551

71575

82367

111077

121948

47317

52606

    c) Interest on balances with RBI and other inter-

327367

249939

2964

3496

4008

2922

1721

1288

    d) Others

132662

97841

3942

2391

731

557

954

1092

 II. Other Income

574026

761244

33991

49149

46158

70744

30196

36069

    a) Commission, exchange and brokerage

297735

312072

20317

21578

18608

20290

8371

9544

    b) Net Profit(loss) on sale of investments

169459

307345

10665

22734

20699

41151

18275

22622

    c) Net Profit (loss) on revaluation of investments

-506

-21

0

0

0

0

0

0

    d) Net Profit(loss on sale ofland and other Assets

-27

-45

-8

-3

16

-17

1

-2

    e) Net profit(loss) on exchange transactions

46357

50304

2371

2508

4117

4512

2049

1155

    f) Miscellaneous income

61008

91589

646

2332

2718

4808

1500

2750

 Total(I+II)

3682728

3807293

177811

2E+05

252884

292037

128843

140690

 Expenditure & Provisions

 III.  Interest expended

2110946

1927418

88683

85713

131951

137159

61928

59279

    a) Interest on deposits

2017419

1812290

86626

83918

128090

132252

58580

56460

    b) Interest on RBI/inter-bank borrowings

19539

16096

126

660

930

1654

246

57

    c) Others

73988

99032

1931

1135

2931

3253

3102

2762

 IV.  Operating Expenses

794243

924531

45043

52660

45139

53457

24813

28187

    a) Payments to and provisions for employees

568872

644769

31970

36058

30671

34138

16618

17736

    b) Rent, taxes and lighting

56474

64177

3165

3520

3750

4302

1800

2083

    c) Printing and stationery

12217

14613

791

932

944

1218

410

540

    d) Advertisement and publicity

3444

6736

284

343

107

464

74

94

    e) Depreciation on bank's property

49369

69834

2875

4083

2444

4193

1700

2584

    f) Directors' fees, allowances and expenses

64

74

7

10

14

20

7

10

    g) Auditors' fees and expenses

4083

4652

299

496

374

502

231

318

    h) Law charges

4372

4866

72

170

80

126

58

68

    i) Postage, telegrams, telephones, etc.

5682

8155

570

921

378

481

357

425

    j) Repairs and maintenance

6892

9767

307

382

313

351

195

212

    k) Insurance

15144

16887

645

762

1010

1324

470

435

    l) Other expenditure

67630

80001

4058

4983

5054

6338

2893

3682

 V.  Provisions and contingencies

467040

587246

23757

37983

45655

63301

22068

30598

 Total expenses@

2905189

2851949

133726

1E+05

177090

190616

86741

87466

 VI. Profit (loss)

310499

368098

20328

30150

30139

38120

20034

22626

  Total (III+IV+V+VI)

3682728

3807293

177811

2E+05

252884

292037

128843

140690

Notes

@   : Excluding 'Provisions and Contingencies'.

1.    :  Figures in brackets indicate loss.

Source 

 : Annual accounts of banks of respective years .

 

TABLE B2 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2002-03 AND  2003-04

STATE BANK OF INDIA & ITS ASSOCIATES

(Amount in Rs. lakh)

As on March 31

  State Bank of Mysore

  State Bank of Patiala

  State Bank of

  State Bank of

 Saurashtra

 Travancore

2003

2004

2003

2004

2003

2004

2003

2004

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

 Income

 I. Interest Earned

103712

105705

176366

188825

90434

97802

158444

173985

    a) Interest/discount on advances/bills

52801

55792

98348

99319

41832

41822

78980

86750

    b) Income on Investments

47791

48011

70072

79900

45731

51085

72470

82827

    c) Interest on balances with RBI and other inter-

1588

1058

5780

8010

1979

2407

5146

3078

    d) Others

1532

844

2166

1596

892

2488

1848

1330

 II. Other Income

29386

34042

34550

63046

21490

32049

30016

46995

    a) Commission, exchange and brokerage

11841

13166

16557

20683

9101

9065

13218

14082

    b) Net Profit(loss) on sale of investments

9927

15503

14285

36567

11178

20009

13022

26868

    c) Net Profit (loss) on revaluation of investments

0

0

0

0

0

0

0

0

    d) Net Profit(loss on sale ofland and other Assets

13

9

-84

-38

-2

6

5

54

    e) Net profit(loss) on exchange transactions

2268

1819

2798

3618

1210

1515

2594

3742

    f) Miscellaneous income

5337

3545

994

2216

3

1454

1177

2249

 Total(I+II)

133098

139747

210916

251871

111924

129851

188460

220980

 Expenditure & Provisions

 III.  Interest expended

65053

60265

97461

106605

58483

57425

106159

105652

    a) Interest on deposits

61675

56630

95955

105116

57887

56505

100194

99608

    b) Interest on RBI/inter-bank borrowings

124

247

1180

1055

114

411

225

89

    c) Others

3254

3388

326

434

482

509

5740

5955

 IV.  Operating Expenses

32772

36991

39499

44891

24777

27151

36799

45245

    a) Payments to and provisions for employees

24825

26514

26232

28117

15460

16258

26940

31676

    b) Rent, taxes and lighting

2359

2469

3343

3399

1769

2084

2729

3118

    c) Printing and stationery

388

480

628

763

360

435

508

592

    d) Advertisement and publicity

42

47

65

84

55

44

172

120

    e) Depreciation on bank's property

1211

2080

3064

3690

1060

1778

1988

3368

    f) Directors' fees, allowances and expenses

9

8

10

13

15

10

8

18

    g) Auditors' fees and expenses

191

267

285

412

233

255

312

461

    h) Law charges

147

210

118

142

46

95

29

70

    i) Postage, telegrams, telephones, etc.

36

42

666

751

332

408

98

102

    j) Repairs and maintenance

179

254

520

574

295

258

391

436

    k) Insurance

35

29

795

1038

386

533

640

1011

    l) Other expenditure

3350

4591

3773

5908

4766

4993

2984

4273

 V.  Provisions and contingencies

23683

24854

41752

57339

19408

27537

28395

45624

 Total expenses@

97825

97256

136960

151496

83260

84576

142958

150897

 VI. Profit (loss)

11590

17637

32204

43036

9256

17738

17107

24459

  Total (III+IV+V+VI)

133098

139747

210916

251871

111924

129851

188460

220980

Notes

@   : Excluding 'Provisions and Contingencies'.

1.    :  Figures in brackets indicate loss.

Source  : Annual accounts of banks of respective years .


TABLE B5 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

NATIONALISED BANKS

(Amount in Rs. lakh)

As on March 31

Items

  Allahabad Bank

  Andhra Bank

  Bank of Baroda

  Bank of India

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 Income

 I. Interest Earned

257033

266868

219502

222726

609755

614708

592822

579590

    a) Interest/discount on advances/bills

121190

132272

122238

123082

306620

280083

356080

330922

    b) Income on Investments

118775

130224

91549

95116

270325

293218

199771

207157

    c) Interest on balances with RBI and other inter-

5953

3180

5428

3675

23028

19737

26886

21892

    d) Others

11115

1192

287

853

9782

21670

10085

19619

 II. Other Income

52437

74980

60365

67805

126170

171900

164238

179199

    a) Commission, exchange and brokerage

14321

16196

9976

11591

34412

34445

35871

37555

    b) Net Profit(loss) on sale of investments

33695

50471

39493

40632

63152

101753

85754

94608

    c) Net Profit (loss) on revaluation of investments

0

0

-6

-456

0

0

0

0

    d) Net Profit(loss on sale ofland and other Assets

-4

5

37

24

5

11

26

1076

    e) Net profit(loss) on exchange transactions

2629

4311

1851

2006

13827

16956

14240

21273

    f) Miscellaneous income

1796

3997

9014

14008

14774

18735

28347

24687

 Total(I+II)

309470

341848

279867

290531

735925

786608

757060

758789

 Expenditure & Provisions

 III.  Interest expended

166055

158291

144206

131668

399418

357548

389201

359448

    a) Interest on deposits

161489

154080

136172

123893

377537

336473

341295

308666

    b) Interest on RBI/inter-bank borrowings

1125

170

3963

3172

6501

4869

32576

31598

    c) Others

3441

4041

4071

4603

15380

16206

15330

19184

 IV.  Operating Expenses

91832

95932

60177

65846

164843

180530

164858

175154

    a) Payments to and provisions for employees

51350

55909

39681

40941

112859

125252

112562

117243

    b) Rent, taxes and lighting

4911

5179

3665

4676

14597

16431

15089

14480

    c) Printing and stationery

1151

1146

798

952

1794

1907

2462

2624

    d) Advertisement and publicity

345

407

622

908

946

2411

544

836

    e) Depreciation on bank's property

3877

3490

4981

6110

8861

7557

8708

8805

    f) Directors' fees, allowances and expenses

72

77

17

32

42

46

2

3

    g) Auditors' fees and expenses

501

653

540

761

1246

1816

1051

1645

    h) Law charges

250

298

244

172

1029

1029

1063

2360

    i) Postage, telegrams, telephones, etc.

1075

1194

754

972

1579

1285

766

902

    j) Repairs and maintenance

1024

1345

1093

1495

3394

3836

2608

2762

    k) Insurance

1298

1590

1261

1512

3618

4203

2885

3163

    l) Other expenditure

25978

24644

6521

7315

14878

14757

17118

20331

 V.  Provisions and contingencies

34984

41287

35184

46667

94384

151829

117900

123355

 Total expenses@

257887

254223

204383

197514

564261

538078

554059

534602

 VI. Profit (loss)

16599

46338

40300

46350

77280

96701

85101

100832

  Total (III+IV+V+VI)

309470

341848

279867

290531

735925

786608

757060

758789

Notes

@   : Excluding 'Provisions and Contingencies'.

1.    :  Figures in brackets indicate loss.

Source  : Annual accounts of banks of respective years .


TABLE B2 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2002-03 AND  2003-04

NATIONALISED BANKS

(Amount in Rs. lakh)

As on March 31

Items

  Bank of Maharashtra

  Canara Bank

  Central Bank of India

  Corporation Bank

2003

2004

2003

2004

2003

2004

2003

2004

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

 Income

 I. Interest Earned

208168

220340

665773

700693

507299

506372

210253

220117

    a) Interest/discount on advances/bills

88606

85575

359097

381772

230136

218792

102009

99069

    b) Income on Investments

113724

126509

265233

299438

253910

265749

96535

109366

    c) Interest on balances with RBI and other inter-

4801

6877

41405

14285

14923

19251

6537

4428

    d) Others

1037

1379

38

5198

8330

2580

5172

7254

 II. Other Income

36048

46522

151213

207291

55354

96428

53175

51676

    a) Commission, exchange and brokerage

9688

10207

35948

38083

28592

29783

11711

13136

    b) Net Profit(loss) on sale of investments

21594

30739

67426

120667

24206

61805

26627

22384

    c) Net Profit (loss) on revaluation of investments

0

0

0

0

-3321

-2551

0

0

    d) Net Profit(loss on sale ofland and other Assets

-3

-7

138

24

3

-33

9

7

    e) Net profit(loss) on exchange transactions

2394

2034

13297

15175

3370

2290

3960

2697

    f) Miscellaneous income

2375

3549

34404

33342

2504

5134

10868

13452

 Total(I+II)

244216

266862

816986

907984

562653

602800

263428

271793

 Expenditure & Provisions

 III.  Interest expended

140537

143167

442477

432456

317557

294153

131038

123724

    a) Interest on deposits

133461

135574

422494

412190

302419

278370

127025

118992

    b) Interest on RBI/inter-bank borrowings

766

284

902

1339

344

486

1605

1835

    c) Others

6310

7309

19081

18927

14794

15297

2408

2897

 IV.  Operating Expenses

51620

56046

174771

189654

152712

155756

47138

57365

    a) Payments to and provisions for employees

35443

37125

116220

127321

118666

118347

25591

28442

    b) Rent, taxes and lighting

3726

4568

16289

17528

7464

8400

4688

5816

    c) Printing and stationery

704

788

1906

2141

1436

1751

984

854

    d) Advertisement and publicity

284

446

967

1583

547

693

759

1073

    e) Depreciation on bank's property

4244

4350

10865

11371

4942

5633

4886

6015

    f) Directors' fees, allowances and expenses

65

82

36

39

34

60

36

44

    g) Auditors' fees and expenses

454

523

1041

1369

871

1162

410

612

    h) Law charges

192

315

184

508

738

1113

36

75

    i) Postage, telegrams, telephones, etc.

735

998

1791

2338

455

609

1243

1903

    j) Repairs and maintenance

763

1118

3208

3561

1756

2056

1358

1428

    k) Insurance

1094

1330

3376

3844

2374

2424

1089

1260

    l) Other expenditure

3916

4403

18888

18051

13429

13508

6058

9843

 V.  Provisions and contingencies

29856

37194

97848

152071

61833

91082

43653

40291

 Total expenses@

192157

199213

617248

622110

470269

449909

178176

181089

 VI. Profit (loss)

22203

30455

101890

133803

30551

61809

41599

50413

  Total (III+IV+V+VI)

244216

266862

816986

907984

562653

602800

263428

271793

Notes

@   : Excluding 'Provisions and Contingencies'.

1.    :  Figures in brackets indicate loss.

Source  : Annual accounts of banks of respective years .

 

TABLE B2 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2002-03 AND  2003-04

NATIONALISED BANKS

(Amount in Rs. lakh)

As on March 31

Items

  Dena Bank

  Indian Bank

  Indian Overseas Bank

  Oriental Bank of Commerce

2003

2004

2003

2004

2003

2004

2003

2004

(17)

(18)

(19)

(20)

(21)

(22)

(23)

-24

 Income

 I. Interest Earned

177230

173548

253190

266692

348591

375410

329469

330054

    a) Interest/discount on advances/bills

87240

81714

113650

117195

172077

184943

153561

159118

    b) Income on Investments

83635

86795

135645

145464

166375

181913

160304

163322

    c) Interest on balances with RBI and other inter-

4508

4459

3572

4020

9888

8554

8843

7098

    d) Others

1847

580

323

13

251

0

6761

516

 II. Other Income

43700

61740

52500

74733

51991

74067

54097

72170

    a) Commission, exchange and brokerage

7726

8218

10687

10787

20962

23918

10628

11360

    b) Net Profit(loss) on sale of investments

24007

44131

27280

46547

24432

48124

37213

50422

    c) Net Profit (loss) on revaluation of investments

0

0

0

0

-2355

-7930

-2585

-518

    d) Net Profit(loss on sale ofland and other Assets

18

-23

71

12

140

169

-1

38

    e) Net profit(loss) on exchange transactions

1883

2419

5500

5832

5540

5597

4704

5904

    f) Miscellaneous income

10066

6995

8962

11555

3272

4189

4138

4964

 Total(I+II)

220930

235288

305690

341425

400582

449477

383566

402224

 Expenditure & Provisions

 III.  Interest expended

120419

114322

171151

154986

226444

215469

208993

184474

    a) Interest on deposits

112452

107108

166249

150677

217206

205468

203204

178604

    b) Interest on RBI/inter-bank borrowings

337

335

2771

2832

2378

2933

322

593

    c) Others

7630

6879

2131

1477

6860

7068

5467

5277

 IV.  Operating Expenses

51128

49909

75514

106195

94723

101489

58265

64448

    a) Payments to and provisions for employees

36603

33878

57607

86270

71958

75336

34759

36640

    b) Rent, taxes and lighting

3614

3719

5127

5725

6565

7165

6696

6988

    c) Printing and stationery

501

807

942

1079

889

943

1065

1076

    d) Advertisement and publicity

376

582

190

397

180

384

500

866

    e) Depreciation on bank's property

2806

2752

3488

3075

4029

3973

4160

5042

    f) Directors' fees, allowances and expenses

67

79

32

36

27

49

15

22

    g) Auditors' fees and expenses

384

490

698

821

598

833

461

729

    h) Law charges

89

234

72

154

63

483

545

518

    i) Postage, telegrams, telephones, etc.

668

876

43

92

62

113

1069

1477

    j) Repairs and maintenance

1260

1348

1445

1627

423

406

568

693

    k) Insurance

1198

1303

1472

1583

2002

2317

2008

2054

    l) Other expenditure

3562

3841

4398

5336

7927

9487

6419

8343

 V.  Provisions and contingencies

37964

48009

40142

39671

37803

81244

70611

84696

 Total expenses@

171547

164231

246665

261181

321167

316958

267258

248922

 VI. Profit (loss)

11419

23048

18883

40573

41612

51275

45697

68606

  Total (III+IV+V+VI)

220930

235288

305690

341425

400582

449477

383566

402224

Notes

@   : Excluding 'Provisions and Contingencies'.

1.    :  Figures in brackets indicate loss.

Source  : Annual accounts of banks of respective years .


TABLE B5 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

NATIONALISED BANKS

(Amount in Rs. lakh)

As on March 31

Items

  Punjab & Sind Bank

  Punjab National Bank

  Syndicate Bank

  UCO Bank

2003

2004

2003

2004

2003

2004

2003

2004

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

 Income

 I. Interest Earned

128416

127850

748501

777970

287517

308485

279270

309629

    a) Interest/discount on advances/bills

60621

59658

371159

387601

153368

159160

139456

161636

    b) Income on Investments

61728

63420

329833

368097

127894

136881

131984

135326

    c) Interest on balances with RBI and other inter-

5297

3149

17938

11313

5944

10201

6743

9168

    d) Others

770

1623

29571

10959

311

2243

1087

3499

 II. Other Income

30715

25588

125032

186688

49508

77640

60928

62528

    a) Commission, exchange and brokerage

4680

4659

48001

55190

10975

12623

13641

14765

    b) Net Profit(loss) on sale of investments

18990

14422

67228

123637

27758

50087

35461

35131

    c) Net Profit (loss) on revaluation of investments

0

0

-7008

-11780

-1446

-644

0

0

    d) Net Profit(loss on sale ofland and other Assets

11

2

41

25

-9

-5

17

14

    e) Net profit(loss) on exchange transactions

2812

2152

9508

10601

3147

3556

2279

1423

    f) Miscellaneous income

4222

4353

7262

9015

9083

12023

9530

11195

 Total(I+II)

159131

153438

873533

964658

337025

386125

340198

372157

 Expenditure & Provisions

 III.  Interest expended

89789

78518

436129

415499

166545

165564

191068

190169

    a) Interest on deposits

85617

75575

416256

392644

163072

161843

183800

182695

    b) Interest on RBI/inter-bank borrowings

196

101

753

1334

196

372

1596

1798

    c) Others

3976

2842

19120

21521

3277

3349

5672

5676

 IV.  Operating Expenses

41258

59961

205673

237074

108602

115136

86727

87148

    a) Payments to and provisions for employees

31393

48031

147608

165406

84976

87162

68969

66747

    b) Rent, taxes and lighting

2390

2743

10557

11996

6431

6350

3973

4368

    c) Printing and stationery

541

538

5251

3509

903

1138

1027

1149

    d) Advertisement and publicity

78

127

784

1085

347

391

182

553

    e) Depreciation on bank's property

1398

1095

12898

18145

3374

2652

3643

2469

    f) Directors' fees, allowances and expenses

10

22

28

35

22

38

37

33

    g) Auditors' fees and expenses

301

394

1557

1788

677

973

507

737

    h) Law charges

98

1700

858

1325

77

395

117

279

    i) Postage, telegrams, telephones, etc.

557

589

3131

4511

1294

1445

692

623

    j) Repairs and maintenance

550

576

1992

2442

1204

3965

475

657

    k) Insurance

815

808

4610

5466

1364

1572

1366

1745

    l) Other expenditure

3127

3338

16399

21366

7933

9055

5739

7788

 V.  Provisions and contingencies

27641

14072

147509

201217

27466

62012

41655

51299

 Total expenses@

131047

138479

641802

652573

275147

280700

277795

277317

 VI. Profit (loss)

443

887

84222

110868

34412

43413

20748

43541

  Total (III+IV+V+VI)

159131

153438

873533

964658

337025

386125

340198

372157

Notes

@   : Excluding 'Provisions and Contingencies'.

1.    :  Figures in brackets indicate loss.

Source  : Annual accounts of banks of respective years .

 

 

TABLE B5 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

NATIONALISED BANKS

(Amount in Rs. lakh)

As on March 31

Items

  Union Bank of India

  United Bank of India

  Vijaya Bank

2003

2004

2003

2004

2003

2004

(33)

(34)

(35)

(36)

(37)

(38)

 Income

 I. Interest Earned

430618

451631

211941

207299

167081

194009

    a) Interest/discount on advances/bills

234619

241467

72687

67034

75583

97319

    b) Income on Investments

181345

193753

133260

132111

86302

92996

    c) Interest on balances with RBI and other inter-

12965

11743

3110

2695

4309

1903

    d) Others

1689

4668

2884

5459

887

1791

 II. Other Income

82455

83147

42819

50544

34602

52569

    a) Commission, exchange and brokerage

14253

15554

6990

7503

4556

4904

    b) Net Profit(loss) on sale of investments

47514

43538

30595

34763

22509

34364

    c) Net Profit (loss) on revaluation of investments

0

0

0

0

0

0

    d) Net Profit(loss on sale ofland and other Assets

-34

-42

3

0

5

-6

    e) Net profit(loss) on exchange transactions

9973

11848

395

573

2167

2531

    f) Miscellaneous income

10749

12249

4836

7705

5365

10776

 Total(I+II)

513073

534778

254760

257843

201683

246578

 Expenditure & Provisions

 III.  Interest expended

280851

278007

139972

129245

102742

110233

    a) Interest on deposits

269244

263099

137669

127372

99011

105255

    b) Interest on RBI/inter-bank borrowings

761

307

30

32

192

98

    c) Others

10846

14601

2273

1841

3539

4880

 IV.  Operating Expenses

101831

108461

59186

67269

55705

49781

    a) Payments to and provisions for employees

68923

72116

48141

51511

42901

33159

    b) Rent, taxes and lighting

6531

7113

2529

2798

4431

4198

    c) Printing and stationery

1589

1803

879

1071

421

467

    d) Advertisement and publicity

1026

1464

163

310

139

628

    e) Depreciation on bank's property

5185

5029

1650

1632

1973

2512

    f) Directors' fees, allowances and expenses

43

41

34

58

22

27

    g) Auditors' fees and expenses

838

1022

286

364

334

601

    h) Law charges

578

489

76

1177

78

83

    i) Postage, telegrams, telephones, etc.

1039

1347

470

574

157

306

    j) Repairs and maintenance

1441

1545

327

379

108

196

    k) Insurance

2721

3323

1012

1089

961

1042

    l) Other expenditure

11917

13169

3619

6306

4180

6562

 V.  Provisions and contingencies

75123

77103

25083

29822

23580

45433

 Total expenses@

382682

386468

199158

196514

158447

160014

 VI. Profit (loss)

55268

71207

30519

31507

19656

41131

  Total (III+IV+V+VI)

513073

534778

254760

257843

201683

246578

Notes

@   : Excluding 'Provisions and Contingencies'.

1.    :  Figures in brackets indicate loss.

Source  : Annual accounts of banks of respective years .

 

 

 

TABLE B5 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

FOREIGN BANKS

(Amount in Rs. lakh)

As on March 31

  ABN Amro Bank

  Abu-dhabi Commercial Bank

  American Express Bank

  Antwerp Diamond Bank

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 Income

 I. Interest Earned

74253

76138

18412

16337

31868

30590

1142

2037

    a) Interest/discount on advances/bills

49313

48288

3766

2318

18614

19479

644

1379

    b) Income on Investments

22739

24556

13471

13070

10524

7806

65

537

    c) Interest on balances with RBI and other inter-

285

310

1058

577

917

1550

433

121

    d) Others

1916

2984

117

372

1813

1755

0

0

 II. Other Income

25310

37944

1165

840

19890

22027

81

343

    a) Commission, exchange and brokerage

7083

17983

351

340

13387

16134

31

200

    b) Net Profit(loss) on sale of investments

3010

6774

129

283

1679

993

0

0

    c) Net Profit (loss) on revaluation of investments

0

0

0

0

-32

-32

0

0

    d) Net Profit(loss on sale ofland and other Assets

-2

-54

-6

-7

-214

-9

0

0

    e) Net profit(loss) on exchange transactions

10312

13147

83

137

3618

2562

26

98

    f) Miscellaneous income

4907

94

608

87

1452

2379

24

45

 Total(I+II)

99563

114082

19577

17177

51758

52617

1223

2380

 Expenditure & Provisions

 III.  Interest expended

37628

31224

16757

14707

21004

17853

308

535

    a) Interest on deposits

14000

8763

16275

14449

18566

16587

9

29

    b) Interest on RBI/inter-bank borrowings

19389

18612

482

70

1852

975

10

195

    c) Others

4239

3849

0

188

586

291

289

311

 IV.  Operating Expenses

32582

47031

1504

1098

20076

24731

644

696

    a) Payments to and provisions for employees

9262

12986

439

423

7446

9356

229

262

    b) Rent, taxes and lighting

2520

2802

115

123

1687

1877

39

41

    c) Printing and stationery

790

1169

28

24

413

529

6

4

    d) Advertisement and publicity

2271

1277

11

13

1909

2204

1

1

    e) Depreciation on bank's property

3418

3418

85

71

726

2123

84

112

    f) Directors' fees, allowances and expenses

1

1

1

1

1

0

0

0

    g) Auditors' fees and expenses

45

55

3

3

68

49

2

4

    h) Law charges

180

109

19

12

25

4

2

1

    i) Postage, telegrams, telephones, etc.

1538

1936

36

36

1612

1773

95

73

    j) Repairs and maintenance

1211

1859

68

99

543

570

19

24

    k) Insurance

314

379

44

38

92

81

3

4

    l) Other expenditure

11032

21040

655

255

5554

6165

164

170

 V.  Provisions and contingencies

14747

16346

1001

406

13522

12390

181

559

 Total expenses@

70210

78255

18261

15805

41080

42584

952

1231

 VI. Profit (loss)

14606

19481

315

966

-2844

-2357

90

590

  Total (III+IV+V+VI)

99563

114082

19577

17177

51758

52617

1223

2380

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