Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 3 of 26) - ആർബിഐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 3 of 26)
NATIONALISED BANKS |
| | | | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended 31st March | ||||||||||||||
Items | Punjab National | Punjab & Sind Bank | Syndicate Bank | Union Bank of India | ||||||||||
| Bank |
|
|
| ||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | (25) | (26) | | (27) | (28) | | (29) | (30) | | (31) | (32) | |
Income | ||||||||||||||
I. | Interest earned | 316773 | 365400 | 65399 | 73213 | 136792 | 159791 | 198424 | 230224 | |||||
a) | Interest/discount on advances/bills | 151799 | 195412 | 35313 | 40947 | 60091 | 71659 | 108651 | 129462 | |||||
b) | Income on investments | 142421 | 152540 | 26911 | 29308 | 68443 | 80198 | 76717 | 89290 | |||||
c) | Interest on balances with RBI and other | 17488 | 16884 | 2981 | 2796 | 7723 | 5979 | 12188 | 9839 | |||||
inter-bank funds | ||||||||||||||
d) | Others | 5065 | 563 | 194 | 162 | 536 | 1955 | 869 | 1632 | |||||
II. | Other income | 31520 | 46879 | 7365 | 9157 | 14249 | 15659 | 18820 | 19879 | |||||
a) | Commission, exchange, brokerage, etc. | 20775 | 24837 | 3374 | 3563 | 7573 | 8028 | 9317 | 10092 | |||||
b) | Net profit (loss) on sale of investments | (385) | 3427 | (93) | 590 | 227 | 40 | 55 | (187) | |||||
c) | Net profit (loss) on revaluation of investments | (26) | 614 | 432 | - | (142) | - | - | - | |||||
d) | Net profit (loss) on sale of land, building | 61 | 65 | 128 | 13 | 27 | 23 | 12 | 9 | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | 7789 | 7307 | 1824 | 2681 | 3506 | 3478 | 6624 | 5516 | |||||
f) | Miscellaneous income | 3307 | 10629 | 1701 | 2310 | 3057 | 4090 | 2812 | 4449 | |||||
| | | | | | | | | | | ||||
| Total (I+II) | 348293 | 412279 | | 72764 | 82370 | | 151041 | 175450 | | 217244 | 250103 | ||
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 208901 | 243870 | 49812 | 53456 | 87059 | 104290 | 128718 | 153899 | |||||
a) | Interest on deposits | 191999 | 234256 | 44016 | 50990 | 82843 | 101681 | 124329 | 151788 | |||||
b) | Interest on RBI/inter-bank borrowings | 5972 | 585 | 1910 | 1481 | 778 | 242 | 4363 | 1806 | |||||
c) | Others | 10929 | 9029 | 3886 | 984 | 3438 | 2367 | 26 | 305 | |||||
IV. | Operating expenses | 100964 | 106442 | 22112 | 23250 | 54042 | 61296 | 57424 | 62072 | |||||
a) | Payments to and provisions for employees | 75784 | 81102 | 16311 | 16614 | 41955 | 48312 | 38684 | 41656 | |||||
b) | Rent, taxes and lighting | 4145 | 4734 | 1273 | 1419 | 3122 | 3384 | 3228 | 3496 | |||||
c) | Printing and stationery | 1529 | 1838 | 375 | 455 | 485 | 564 | 1170 | 1462 | |||||
d) | Advertisement and publicity | 166 | 159 | 96 | 99 | 48 | 49 | 301 | 444 | |||||
e) | Depreciation on Bank's property | 2478 | 2881 | 899 | 917 | 850 | 867 | 1625 | 2841 | |||||
f) | Directors' fees, allowances and expenses | 13 | 16 | 5 | 8 | 11 | 10 | 15 | 24 | |||||
g) | Auditors' fees and expenses | 388 | 310 | 110 | 110 | 184 | 227 | 270 | 293 | |||||
h) | Law charges | 508 | 480 | 29 | 38 | 23 | 83 | 192 | 299 | |||||
i) | Postage, telegrams, telephones, etc. | 1424 | 1576 | 385 | 436 | 620 | 699 | 776 | 885 | |||||
j) | Repairs and maintenance | 744 | 881 | 244 | 271 | 298 | 379 | 666 | 724 | |||||
k) | Insurance | 4514 | 4199 | 493 | 498 | 1967 | 1933 | 4458 | 3767 | |||||
l) | Other expenditure | 9271 | 8268 | 1892 | 2385 | 4478 | 4788 | 6039 | 6181 | |||||
V. | Provisions and contingencies | 48020 | 38195 | 14058 | 3663 | 7923 | 3169 | 23053 | 12564 | |||||
Total expenses | 357885 | 388508 | 85982 | 80370 | 149024 | 168755 | 209195 | 228535 | ||||||
VI. | Profit (loss) | (9592) | 23771 | (13218) | 2000 | 2017 | 6696 | 8049 | 21568 | |||||
| | | | | | | | | | | ||||
Total (III+IV+V+VI) | 348293 | 412279 | | 72764 | 82370 | | 151041 | 175450 | | 217244 | 250103 |
| | | | | | | (Amount in Rs. lakh) | ||||
For the year ended 31st March | |||||||||||
Items | United Bank of India | United Commercial | Vijaya Bank | ||||||||
|
| Bank |
| ||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | (33) | (34) | | (35) | (36) | | (37) | (38) | |
Income | |||||||||||
I. | Interest earned | 82312 | 100688 | 120343 | 130306 | 66873 | 73280 | ||||
a) | Interest/discount on advances/bills | 33435 | 38408 | 58328 | 58277 | 32159 | 36831 | ||||
b) | Income on investments | 43128 | 57468 | 51015 | 59777 | 31389 | 33385 | ||||
c) | Interest on balances with RBI and other | 5379 | 4547 | 10629 | 11059 | 2982 | 2597 | ||||
inter-bank funds | |||||||||||
d) | Others | 371 | 264 | 372 | 1193 | 344 | 467 | ||||
II. | Other income | 9825 | 9726 | 14465 | 12717 | 6456 | 6332 | ||||
a) | Commission, exchange, brokerage, etc. | 5381 | 5870 | 7804 | 7732 | 2947 | 3164 | ||||
b) | Net profit (loss) on sale of investments | 153 | 669 | 1482 | 378 | 164 | 58 | ||||
c) | Net profit (loss) on revaluation of investments | - | 185 | - | 391 | - | - | ||||
d) | Net profit (loss) on sale of land, building | - | 6 | - | 1 | 18 | 11 | ||||
& other assets | |||||||||||
e) | Net profit (loss) on exchange transaction | 1901 | 409 | 1947 | 1967 | 1746 | 1137 | ||||
f) | Miscellaneous income | 2390 | 2587 | 3233 | 2248 | 1580 | 1961 | ||||
| | | | | | | | ||||
| Total (I+II) | 92137 | 110414 | | 134808 | 143022 | | 73329 | 79612 | ||
Expenditure & Provisions | |||||||||||
III. | Interest expended | 64759 | 80053 | 86773 | 98682 | 48581 | 49877 | ||||
a) | Interest on deposits | 62064 | 78898 | 77543 | 96033 | 41662 | 47923 | ||||
b) | Interest on RBI/inter-bank borrowings | 1360 | 168 | 7847 | 2334 | 2425 | 424 | ||||
c) | Others | 1336 | 987 | 1383 | 315 | 4495 | 1531 | ||||
IV. | Operating expenses | 32402 | 35858 | 50648 | 51617 | 24256 | 26257 | ||||
a) | Payments to and provisions for employees | 26552 | 29051 | 42467 | 42258 | 17702 | 19166 | ||||
b) | Rent, taxes and lighting | 1550 | 1582 | 2586 | 2622 | 2097 | 2419 | ||||
c) | Printing and stationery | 674 | 582 | 549 | 589 | 304 | 337 | ||||
d) | Advertisement and publicity | 26 | 41 | 69 | 70 | 140 | 32 | ||||
e) | Depreciation on Bank's property | 405 | 406 | 645 | 662 | 927 | 1226 | ||||
f) | Directors' fees, allowances and expenses | 11 | 15 | 11 | 18 | 15 | 19 | ||||
g) | Auditors' fees and expenses | 142 | 116 | 180 | 309 | 101 | 130 | ||||
h) | Law charges | 34 | 48 | 55 | 90 | 22 | 30 | ||||
i) | Postage, telegrams, telephones, etc. | 252 | 254 | 254 | 268 | 233 | 210 | ||||
j) | Repairs and maintenance | 268 | 354 | 127 | 134 | 140 | 103 | ||||
k) | Insurance | 396 | 521 | 486 | 577 | 472 | 365 | ||||
l) | Other expenditure | 2094 | 2888 | 3218 | 4022 | 2104 | 2221 | ||||
V. | Provisions and contingencies | 18423 | 5867 | 21053 | 10347 | 25586 | 1581 | ||||
Total expenses | 115584 | 121778 | 158474 | 160646 | 98424 | 77715 | |||||
VI. | Profit (loss) | (23447) | (11364) | (23666) | (17623) | (25095) | 1896 | ||||
| | | | | | | | ||||
Total (III+IV+V+VI) | 92137 | 110414 | | 134808 | 143022 | | 73329 | 79612 |
Note | : | Figures in bracket indicate loss. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |