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B2 : Earnings and Expenses Of Scheduled Commercial Banks : 2003-04 and 2004-05 (Part 3 of 3)

 

 

 

(Amount in Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

of

Bank of

Bharat

Overseas

Catholic

Syrian

 

 

 

Punjab

Rajasthan

Bank

Bank

 

 

Items

 

 

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 

 

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

 

 

I.

Interest Earned

33994

32859

50287

52236

19848

21872

35715

36819

 

a)

Interest/discount on advances/bills

17981

20000

19735

22898

10520

11847

17244

20875

 

b)

Income on Investments

14700

10894

28111

24939

8291

8072

17290

14229

 

c)

Interest on balances with

1313

1865

2426

4203

976

1220

1178

1503

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

 

 

d)

Others

100

15

196

61

733

3

212

 

 

 

 

 

 

 

 

 

 

 

II.

Other income

13242

6906

17701

6376

3164

1928

11882

4627

 

a)

Commission, exchange and brokerage

2371

4549

2219

2775

855

840

1359

1579

 

b)

Net Profit (loss) on sale of investments

6675

(2178)

12804

782

1388

(552)

9136

1781

 

c)

Net Profit (loss) on revaluation of

(1572)

(11)

(910)

 

 

investments

 

 

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

(93)

(20)

(5)

(13)

10

7

3

(3)

 

 

other assets

 

 

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

1902

1130

477

613

404

510

439

585

 

f)

Miscellaneous income

2387

4997

2206

2219

507

1123

956

1595

 

 

 

 

 

 

 

 

 

 

 

 

Total (I+II)

47236

39765

67988

58612

23012

23800

47597

41446

 

 

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

 

 

III.

Interest expended

21181

19367

31302

30891

11316

11370

23494

22200

 

a)

Interest on deposits

19247

17714

30863

29983

10992

10678

22911

21610

 

b)

Interest on RBI/inter-bank borrowings

580

299

93

169

185

289

21

13

 

c)

Others

1354

1354

346

739

139

403

562

577

 

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

15760

18452

18157

19474

6013

6998

11778

11388

 

a)

Payments to and provisions for employees

2081

2886

11623

12066

2765

3135

8492

7657

 

b)

Rent, taxes and lighting

2537

2787

1429

1735

922

1069

1005

1139

 

c)

Printing and stationery

687

708

263

269

69

101

196

212

 

d)

Advertisement and publicity

825

642

105

242

80

111

70

50

 

e)

Depreciation on Bank’s property

3169

3206

1185

1237

722

792

491

549

 

f)

Directors’ fees, allowances and expenses

50

64

21

19

17

14

29

35

 

g)

Auditors’ fees and expenses

80

93

43

48

20

33

26

32

 

h)

Law charges

32

17

476

310

60

46

79

89

 

i)

Postage, telegrams, telephones, etc.

527

662

484

548

195

205

157

177

 

j)

Repairs and maintenance

1441

1578

462

496

76

77

139

223

 

k)

Insurance

294

406

300

501

144

197

207

347

 

l)

Other expenditure

4037

5403

1766

2003

943

1218

887

878

 

 

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

6593

8072

11626

4744

2175

3427

6677

6792

 

 

 

 

 

 

 

 

 

 

 

 

Total expenses @

36941

37819

49459

50365

17329

18368

35272

33588

 

 

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

3702

(6126)

6903

3503

3508

2005

5648

1066

 

 

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

47236

39765

67988

58612

23012

23800

47597

41446

Notes

@:Excluding ‘Provisions and Contingencies’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

 

 

 

 

(Amount in Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Centurion

City

Union

Development Credit

Dhanalakshmi

 

 

 

Bank

Bank

Bank

Bank

 

 

Items

 

 

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

 

 

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

 

 

I.

Interest Earned

33379

34609

27618

29067

35248

30322

19107

19216

 

a)

Interest/discount on advances/bills

20247

26815

15827

18552

21016

17659

11453

12343

 

b)

Income on Investments

8393

5412

11478

10067

11277

10038

7091

6289

 

c)

Interest on balances with

2679

1070

313

448

2496

2625

543

584

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

 

 

d)

Others

2060

1312

459

20

 

 

 

 

 

 

 

 

 

 

 

II.

Other income

6298

6446

6649

3344

8835

9128

5818

1471

 

a)

Commission, exchange and brokerage

3734

5827

1654

1492

2932

3686

1082

936

 

b)

Net Profit (loss) on sale of investments

1389

(706)

3482

(655)

2957

1555

3805

(694)

 

c)

Net Profit (loss) on revaluation of

 

 

investments

 

 

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

(33)

(156)

(1)

2

7

(11)

3

32

 

 

other assets

 

 

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

599

446

288

419

1079

1009

230

205

 

f)

Miscellaneous income

609

1035

1226

2086

1860

2889

698

992

 

 

 

 

 

 

 

 

 

 

 

 

Total (I+II)

39677

41055

34267

32411

44083

39450

24925

20687

 

 

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

 

 

III.

Interest expended

20382

16821

17993

17983

25687

23352

12169

11906

 

a)

Interest on deposits

18079

14613

17907

17920

22774

20529

11656

11404

 

b)

Interest on RBI/inter-bank borrowings

243

408

56

57

1325

1886

51

14

 

c)

Others

2060

1800

30

6

1588

937

462

488

 

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

18082

21918

4495

6261

13002

16511

6061

6936

 

a)

Payments to and provisions for employees

3129

4270

2496

3094

5537

5434

3837

4176

 

b)

Rent, taxes and lighting

1690

1927

428

477

1236

2065

636

808

 

c)

Printing and stationery

518

594

101

114

357

335

114

113

 

d)

Advertisement and publicity

415

772

140

197

414

311

165

95

 

e)

Depreciation on Bank’s property

3614

2973

254

307

1299

1269

473

609

 

f)

Directors’ fees, allowances and expenses

5

8

14

15

69

118

20

27

 

g)

Auditors’ fees and expenses

16

17

11

13

32

41

19

23

 

h)

Law charges

196

130

1

10

84

173

35

77

 

i)

Postage, telegrams, telephones, etc.

583

721

152

134

441

406

83

205

 

j)

Repairs and maintenance

1433

1388

73

82

270

280

75

58

 

k)

Insurance

229

308

166

266

154

285

93

169

 

l)

Other expenditure

6254

8810

659

1552

3109

5794

511

576

 

 

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

11727

(195)

6076

3535

3660

15879

4947

4005

 

 

 

 

 

 

 

 

 

 

 

 

Total expenses @

38464

38739

22488

24244

38689

39863

18230

18842

 

 

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

(10514)

2511

5703

4632

1734

(16292)

1748

(2160)

 

 

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

39677

41055

34267

32411

44083

39450

24925

20687

Notes

@: Excluding ‘Provisions and Contingencies’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

 

 

 

 

 

 

 

 

 

(Amount in

Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal

Ganesh

Bank of

Global

Trust

HDFC

 

 

 

Bank

Kurundwad

Bank

#

Bank

 

 

Items

 

 

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

 

 

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

 

 

I.

Interest Earned

119206

119103

1841

1814

35419

 

254893

309349

 

a)

Interest/discount on advances/bills

71428

77276

1174

1170

24298

 

110866

166370

 

b)

Income on Investments

43666

37898

504

556

9367

 

132222

130636

 

c)

Interest on balances with

3042

2772

18

17

1147

 

11096

11403

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

 

 

d)

Others

1070

1157

145

71

607

 

709

940

 

 

 

 

 

 

 

 

 

 

 

II.

Other income

29786

21198

448

(70)

16106

 

48003

65134

 

a)

Commission, exchange and brokerage

5920

6566

53

54

4281

 

32035

60496

 

b)

Net Profit (loss) on sale of investments

17442

6462

357

5695

 

3778

(7974)

 

c)

Net Profit (loss) on revaluation of

(107)

(976)

(164)

88

 

(1091)

1398

 

 

investments

 

 

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

6

8

(1)

(1)

1290

 

(45)

21

 

 

other assets

 

 

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

1877

2766

1832

 

7400

9117

 

f)

Miscellaneous income

4648

6372

39

41

2920

 

5926

2076

 

 

 

 

 

 

 

 

 

 

 

 

Total (I+II)

148992

140301

2289

1744

51525

 

302896

374483

 

 

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

 

 

III.

Interest expended

77029

68874

1589

1495

43514

 

121105

131556

 

a)

Interest on deposits

72305

65680

1587

1494

38152

 

103829

110764

 

b)

Interest on RBI/inter-bank borrowings

170

122

2

1

102

 

14362

16616

 

c)

Others

4554

3072

5260

 

2914

4176

 

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

28290

31386

501

520

15891

 

81000

108540

 

a)

Payments to and provisions for employees

17825

18578

305

311

3723

 

20409

27667

 

b)

Rent, taxes and lighting

2526

3195

24

26

2861

 

9844

11977

 

c)

Printing and stationery

370

425

11

4

380

 

3748

4637

 

d)

Advertisement and publicity

356

372

1

1

242

 

3706

5495

 

e)

Depreciation on Bank’s property

2410

2744

76

77

3515

 

12572

14407

 

f)

Directors’ fees, allowances and expenses

31

29

2

1

10

 

12

15

 

g)

Auditors’ fees and expenses

200

286

1

1

69

 

49

72

 

h)

Law charges

213

281

13

23

71

 

125

244

 

i)

Postage, telegrams, telephones, etc.

377

431

12

12

860

 

7700

10155

 

j)

Repairs and maintenance

587

877

3

7

943

 

6617

7276

 

k)

Insurance

627

1075

8

18

416

 

1790

3321

 

l)

Other expenditure

2768

3093

45

39

2801

 

14428

23274

 

 

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

30044

31031

62

325

73359

 

49841

67831

 

 

 

 

 

 

 

 

 

 

 

 

Total expenses @

105319

100260

2090

2015

59405

 

202105

240096

 

 

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

13629

9010

137

(596)

(81239)

 

50950

66556

 

 

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

148992

140301

2289

1744

51525

 

302896

374483

Notes

@:Excluding ‘Provisions and Contingencies’.

#:See ‘Explanatory Notes’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

 

 

 

 

(Amount in Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ICICI

IDBI

 

IndusInd

ING

Vysya

 

 

 

Bank

Bank #

 

Bank

Bank

 

 

Items

 

 

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

 

 

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

 

 

I.

Interest Earned

889403

940990

73677

 

98615

113440

92416

99057

 

a)

Interest/discount on advances/bills

607385

675283

48773

 

69694

81136

55872

64678

 

b)

Income on Investments

243174

222944

22905

 

26034

30636

27078

25865

 

c)

Interest on balances with

21063

23201

953

 

2848

1189

3790

2584

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

 

 

d)

Others

17781

19562

1046

 

39

479

5676

5930

 

 

 

 

 

 

 

 

 

 

 

II.

Other income

306492

341615

21025

 

34494

25074

36326

12051

 

a)

Commission, exchange and brokerage

107180

192100

12686

 

2103

3153

10949

11531

 

b)

Net Profit (loss) on sale of investments

122463

54605

2687

 

22683

5795

18478

(4820)

 

c)

Net Profit (loss) on revaluation of

 

 

 

investments

 

 

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

(320)

(208)

(6)

 

(645)

(633)

54

92

 

 

other assets

 

 

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

19263

31464

2007

 

1114

1431

1820

2420

 

f)

Miscellaneous income

57906

63654

3651

 

9239

15328

5025

2828

 

 

 

 

 

 

 

 

 

 

 

 

Total (I+II)

1195895

1282605

94702

 

133109

138514

128742

111108

 

 

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

 

 

III.

Interest expended

701525

657089

40572

 

66925

71890

68006

63382

 

a)

Interest on deposits

302302

325207

29627

 

49992

57024

57914

51623

 

b)

Interest on RBI/inter-bank borrowings

22937

25277

5912

 

9331

11100

1056

2066

 

c)

Others

376286

306605

5033

 

7602

3766

9036

9693

 

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

257123

329914

25658

 

21713

26503

34556

37793

 

a)

Payments to and provisions for employees

54606

73741

6780

 

5037

6016

16755

17611

 

b)

Rent, taxes and lighting

14925

18533

2872

 

2078

2488

2728

2836

 

c)

Printing and stationery

8610

8766

850

 

548

755

700

780

 

d)

Advertisement and publicity

6868

11626

584

 

595

581

680

583

 

e)

Depreciation on Bank’s property

53944

59036

2842

 

3672

4487

4083

3674

 

f)

Directors’ fees, allowances and expenses

36

39

11

 

53

48

54

41

 

g)

Auditors’ fees and expenses

168

176

25

 

84

67

80

127

 

h)

Law charges

869

971

63

 

1124

913

107

112

 

i)

Postage, telegrams, telephones, etc.

14150

17363

1815

 

1464

1903

1254

1347

 

j)

Repairs and maintenance

18957

21595

1478

 

1455

1885

1846

1963

 

k)

Insurance

3350

5972

552

 

506

921

740

1205

 

l)

Other expenditure

80640

112096

7786

 

5097

6439

5529

7514

 

 

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

73538

95080

15226

 

18262

19109

20280

13751

 

 

 

 

 

 

 

 

 

 

 

 

Total expenses @

958648

987003

66230

 

88638

98393

102562

101175

 

 

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

163709

200522

13246

 

26209

21012

5900

(3818)

 

 

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

1195895

1282605

94702

 

133109

138514

128742

111108

Notes

@:Excluding ‘Provisions and Contingencies’.

#:See ‘Explanatory Notes’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Amount in Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Jammu &

Karnataka

Karur

Vysya

Kotak Mahindra

 

 

 

Kashmir Bank

Bank

Bank

Bank

 

 

Items

 

 

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

 

 

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

 

 

I.

Interest Earned

152125

154923

84845

83993

64763

59076

28843

42031

 

a)

Interest/discount on advances/bills

82115

87553

41682

45920

36101

38574

21053

31987

 

b)

Income on Investments

66419

64545

40516

35682

26593

18988

7208

9095

 

c)

Interest on balances with

3591

2825

1833

2022

2004

1514

506

880

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

 

 

d)

Others

814

369

65

76

69

 

 

 

 

 

 

 

 

 

 

 

II.

Other income

30170

8203

27028

22115

7425

11315

9549

13207

 

a)

Commission, exchange and brokerage

4110

4940

5325

6051

5561

5883

937

3609

 

b)

Net Profit (loss) on sale of investments

22646

(1381)

19631

13787

68

2756

3020

1384

 

c)

Net Profit (loss) on revaluation of

(197)

(6)

 

 

investments

 

 

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

(18)

(30)

(3)

4

65

59

 

 

other assets

 

 

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

524

662

1398

1455

877

1030

552

108

 

f)

Miscellaneous income

2890

3982

692

852

922

1642

5172

8053

 

 

 

 

 

 

 

 

 

 

 

 

Total (I+II)

182295

163126

111873

106108

72188

70391

38392

55238

 

 

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

 

 

III.

Interest expended

90136

95299

63477

52305

35042

33407

11784

19482

 

a)

Interest on deposits

87618

92917

62233

51479

33312

32294

5349

16153

 

b)

Interest on RBI/inter-bank borrowings

1496

1360

727

243

1160

779

2021

1901

 

c)

Others

1022

1022

517

583

570

334

4414

1428

 

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

29317

32280

15416

19732

15690

17062

13955

22449

 

a)

Payments to and provisions for employees

16838

17882

9405

12516

7887

7636

4414

8513

 

b)

Rent, taxes and lighting

2127

2205

1273

1427

929

1094

862

1753

 

c)

Printing and stationery

127

406

213

213

223

225

325

482

 

d)

Advertisement and publicity

517

453

223

143

337

834

759

1170

 

e)

Depreciation on Bank’s property

3680

4342

1685

1793

1465

1951

1605

2346

 

f)

Directors’ fees, allowances and expenses

21

26

19

19

28

33

3

7

 

g)

Auditors’ fees and expenses

247

288

42

45

26

29

32

43

 

h)

Law charges

59

70

37

96

358

69

42

126

 

i)

Postage, telegrams, telephones, etc.

457

432

210

177

637

904

738

970

 

j)

Repairs and maintenance

263

326

514

627

250

283

537

814

 

k)

Insurance

710

1180

362

770

287

520

153

432

 

l)

Other expenditure

4271

4670

1433

1906

3263

3484

4485

5793

 

 

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

22209

24040

19662

19356

5351

9389

4779

4817

 

 

 

 

 

 

 

 

 

 

 

 

Total expenses @

119453

127579

78893

72037

50732

50469

25739

41931

 

 

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

40633

11507

13318

14715

16105

10533

7874

8490

 

 

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

182295

163126

111873

106108

72188

70391

38392

55238

Notes

@:Excluding ‘Provisions and Contingencies’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Amount in Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lakshmi

Vilas

Lord

Krishna

Nainital

Ratnakar

 

 

 

Bank

Bank

Bank

 

Bank

 

 

 

Items

 

 

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

 

 

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

 

 

I.

Interest Earned

28596

29820

16642

19507

7009

7355

6517

6555

 

a)

Interest/discount on advances/bills

18057

18685

8748

11773

2331

3227

3863

3948

 

b)

Income on Investments

10100

10755

7033

7160

3684

3388

2229

2399

 

c)

Interest on balances with

392

326

684

413

990

736

407

147

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

 

 

d)

Others

47

54

177

161

4

4

18

61

 

 

 

 

 

 

 

 

 

 

 

II.

Other income

8686

3834

6808

115

1307

942

1186

501

 

a)

Commission, exchange and brokerage

2742

2883

898

994

175

204

216

240

 

b)

Net Profit (loss) on sale of investments

2400

(747)

4176

(2753)

946

527

817

82

 

c)

Net Profit (loss) on revaluation of

 

 

investments

 

 

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

(4)

3

7

(9)

(1)

12

 

 

other assets

 

 

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

431

506

301

434

 

f)

Miscellaneous income

3117

1189

1426

1449

186

211

154

167

 

 

 

 

 

 

 

 

 

 

 

 

Total (I+II)

37282

33654

23450

19622

8316

8297

7703

7056

 

 

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

 

 

III.

Interest expended

20252

19154

13252

13834

3701

3648

4289

3875

 

a)

Interest on deposits

19238

18035

12892

13114

3697

3647

4262

3862

 

b)

Interest on RBI/inter-bank borrowings

313

183

28

56

2

1

17

13

 

c)

Others

701

936

332

664

2

10

 

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

7930

9028

5368

5893

2553

2538

2023

2223

 

a)

Payments to and provisions for employees

4627

4717

2077

2468

1954

1767

1228

1323

 

b)

Rent, taxes and lighting

673

734

965

1189

166

194

268

293

 

c)

Printing and stationery

138

123

63

103

27

36

32

36

 

d)

Advertisement and publicity

83

80

279

159

7

8

8

5

 

e)

Depreciation on Bank’s property

496

608

528

281

99

146

254

264

 

f)

Directors’ fees, allowances and expenses

20

17

6

7

3

4

6

6

 

g)

Auditors’ fees and expenses

18

17

28

39

10

13

4

5

 

h)

Law charges

150

67

40

43

14

7

10

32

 

i)

Postage, telegrams, telephones, etc.

261

265

165

190

41

45

36

41

 

j)

Repairs and maintenance

41

41

87

115

22

21

21

28

 

k)

Insurance

132

280

89

188

36

60

32

58

 

l)

Other expenditure

1291

2079

1041

1111

174

237

124

132

 

 

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

4995

5137

2195

2336

840

977

546

1900

 

 

 

 

 

 

 

 

 

 

 

 

Total expenses @

28182

28182

18620

19727

6254

6186

6312

6098

 

 

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

4105

335

2635

(2441)

1222

1134

845

(942)

 

 

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

37282

33654

23450

19622

8316

8297

7703

7056

Notes

@: Excluding ‘Provisions and Contingencies’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

 

 

 

 

(Amount in Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sangli

 

SBI Commercial &

South

Indian

Tamilnad

 

 

 

Bank #

 

Intl.

Bank

Bank

Mercantile Bank

 

 

Items

 

 

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

 

 

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

 

 

I.

Interest Earned

13484

 

3953

2584

68029

70900

53766

51270

 

a)

Interest/discount on advances/bills

4977

 

1738

879

35807

43756

23328

24787

 

b)

Income on Investments

6693

 

1126

824

30919

25762

26354

24334

 

c)

Interest on balances with

1175

 

1085

880

1303

1382

526

685

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

 

 

d)

Others

639

 

4

1

3558

1464

 

 

 

 

 

 

 

 

 

 

 

II.

Other income

3043

 

2046

927

23514

10238

6790

6795

 

a)

Commission, exchange and brokerage

474

 

142

165

2017

2145

3327

3035

 

b)

Net Profit (loss) on sale of investments

2321

 

386

(61)

18731

3708

987

717

 

c)

Net Profit (loss) on revaluation of

 

(578)

 

 

investments

 

 

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

 

3

(7)

13

(7)

2

 

 

other assets

 

 

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

57

 

50

52

932

1074

712

860

 

f)

Miscellaneous income

191

 

1468

768

1841

3876

1771

2181

 

 

 

 

 

 

 

 

 

 

 

 

Total (I+II)

16527

 

5999

3511

91543

81138

60556

58065

 

 

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

 

 

III.

Interest expended

8244

 

2604

1653

48005

45207

32196

28157

 

a)

Interest on deposits

8218

 

2596

1616

46548

43616

27980

26467

 

b)

Interest on RBI/inter-bank borrowings

19

 

3

22

33

79

79

64

 

c)

Others

7

 

5

15

1424

1512

4137

1626

 

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

5480

 

796

766

19341

18708

11371

12489

 

a)

Payments to and provisions for employees

4080

 

303

309

13072

11852

6457

7302

 

b)

Rent, taxes and lighting

369

 

127

110

1395

1524

931

987

 

c)

Printing and stationery

41

 

9

9

574

521

265

225

 

d)

Advertisement and publicity

9

 

2

4

239

218

148

170

 

e)

Depreciation on Bank’s property

308

 

105

104

1027

1241

905

1087

 

f)

Directors’ fees, allowances and expenses

2

 

6

6

17

20

23

31

 

g)

Auditors’ fees and expenses

14

 

3

3

47

50

29

30

 

h)

Law charges

47

 

25

32

187

116

34

25

 

i)

Postage, telegrams, telephones, etc.

71

 

7

9

548

549

217

350

 

j)

Repairs and maintenance

107

 

24

25

332

387

433

424

 

k)

Insurance

77

 

43

47

385

651

168

349

 

l)

Other expenditure

355

 

142

108

1518

1579

1761

1509

 

 

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

1590

 

801

2094

15765

16353

8921

9186

 

 

 

 

 

 

 

 

 

 

 

 

Total expenses @

13724

 

3400

2419

67346

63915

43567

40646

 

 

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

1213

 

1798

(1002)

8432

870

8068

8233

 

 

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

16527

 

5999

3511

91543

81138

60556

58065

Notes

@:Excluding ‘Provisions and Contingencies’.

#:See ‘Explanatory Notes’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

 

 

 

 

(Amount in Rs. lakh)

 

 

 

 

 

 

 

 

 

 

 

 

As on March 31

 

 

 

 

 

 

 

 

 

 

 

 

United

Western

UTI

 

Yes

 

 

 

 

Bank

Bank

 

Bank

#

 

 

Items

 

 

 

 

 

 

 

 

 

2004

2005

2004

2005

2004

2005

 

 

 

 

 

 

 

 

 

 

 

 

(57)

(58)

(59)

(60)

(61)

(62)

 

 

 

 

 

 

 

 

 

Income

 

 

 

 

 

 

 

I.

Interest Earned

46273

48662

158671

192416

 

2997

 

a)

Interest/discount on advances/bills

27087

30318

76752

97877

 

2311

 

b)

Income on Investments

17878

16858

63890

78687

 

624

 

c)

Interest on balances with

1202

848

3295

3204

 

52

 

 

RBI and other inter-bank funds

 

 

 

 

 

 

 

d)

Others

106

638

14734

12648

 

10

 

 

 

 

 

 

 

 

 

II.

Other income

13316

6578

54015

41582

 

1817

 

a)

Commission, exchange and brokerage

2742

2818

18241

33052

 

780

 

b)

Net Profit (loss) on sale of investments

7605

190

32084

(1134)

 

260

 

c)

Net Profit (loss) on revaluation of

 

(1)

 

 

investments

 

 

 

 

 

 

 

d)

Net Profit (loss) on sale of land, building &

(1)

(6)

(149)

(239)

 

 

 

other assets

 

 

 

 

 

 

 

e)

Net Profit (loss) on exchange transaction

856

1036

2758

4873

 

702

 

f)

Miscellaneous income

2114

2540

1081

5030

 

76

 

 

 

 

 

 

 

 

 

 

Total (I+II)

59589

55240

212686

233998

 

4814

 

 

 

 

 

 

 

 

 

Expenditure & Provisions

 

 

 

 

 

 

III.

Interest expended

34088

34009

102145

119298

 

1185

 

a)

Interest on deposits

32114

32220

93441

106957

 

890

 

b)

Interest on RBI/inter-bank borrowings

369

302

1943

1257

 

295

 

c)

Others

1605

1487

6761

11084

 

 

 

 

 

 

 

 

 

 

IV.

Operating expenses

12221

12889

41921

58136

 

3997

 

a)

Payments to and provisions for employees

7570

7590

12125

17685

 

2127

 

b)

Rent, taxes and lighting

888

1116

6580

8690

 

274

 

c)

Printing and stationery

199

211

1587

1917

 

45

 

d)

Advertisement and publicity

150

126

1081

1147

 

248

 

e)

Depreciation on Bank’s property

1435

1453

6189

8158

 

125

 

f)

Directors’ fees, allowances and expenses

13

25

32

54

 

10

 

g)

Auditors’ fees and expenses

58

62

39

40

 

11

 

h)

Law charges

151

130

220

232

 

102

 

i)

Postage, telegrams, telephones, etc.

221

277

2304

3058

 

49

 

j)

Repairs and maintenance

118

408

4671

7414

 

43

 

k)

Insurance

251

454

1154

2196

 

18

 

l)

Other expenditure

1167

1037

5939

7545

 

945

 

 

 

 

 

 

 

 

 

V.

Provisions and contingencies

10184

18206

40789

23104

 

11

 

 

 

 

 

 

 

 

 

 

Total expenses @

46309

46898

144066

177434

 

5182

 

 

 

 

 

 

 

 

 

VI.

Profit (loss)

3096

(9864)

27831

33460

 

(379)

 

 

 

 

 

 

 

 

 

 

Total (III+IV+V+VI)

59589

55240

212686

233998

 

4814

Notes

@:Excluding ‘Provisions and Contingencies’.

#:See ‘Explanatory Notes’.

1.Figures in brackets indicate loss.

Source: Annual accounts of banks of respective years.

 

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