Table 5: Bank Group-Wise Income and Expenditure of Scheduled Commercial Banks in India - 1996-97 - ആർബിഐ - Reserve Bank of India
Table 5: Bank Group-Wise Income and Expenditure of Scheduled Commercial Banks in India - 1996-97
(Amount in Rs. lakh) |
|||||||||||
For the year ended 31st March |
|||||||||||
Items | State Bank of India |
Nationalised Banks |
Other Scheduled |
||||||||
|
and its Associates |
|
Commercial Banks |
||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(1) |
(2) |
|
(3) |
(4) |
|
(5) |
(6) |
Number of reporting banks |
8 |
8 |
19 |
19 |
33 |
34 |
|||||
I. |
Interest earned |
1711445 |
1992303 |
2950582 |
3398785 |
553588 |
622590 |
||||
a) |
Interest/discount on advances/bills |
917292 |
1120189 |
1594874 |
1853650 |
284239 |
417332 |
||||
b) |
Income on Investments |
652962 |
714570 |
1144748 |
1339016 |
238795 |
176578 |
||||
c) |
Interest on balances with |
107077 |
92367 |
181184 |
178237 |
28500 |
25102 |
||||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
34114 |
65177 |
29776 |
27882 |
2054 |
3578 |
||||
II. |
Other income |
345233 |
335380 |
359250 |
400639 |
76549 |
95160 |
||||
a) |
Commission, exchange and brokerage |
229899 |
235264 |
216788 |
219558 |
35944 |
43729 |
||||
b) |
Net Profit (loss) on sale of investments |
(5,815) |
3,584 |
1984 |
19350 |
3140 |
9417 |
||||
i) |
Profit on sale of investments |
526 |
3818 |
4979 |
22913 |
4718 |
10456 |
||||
ii) |
Loss on sale of investments |
6342 |
234 |
2995 |
3563 |
1578 |
1039 |
||||
c) |
Net Profit (loss) on sale of land, building & other assets |
67 |
62 |
676 |
439 |
69 |
88 |
||||
i) |
Profit on sale of land, building & other assets |
74 |
68 |
691 |
456 |
69 |
112 |
||||
ii) |
Loss on sale of land, building & other assets |
7 |
6 |
15 |
17 |
- |
24 |
||||
d) |
Net Profit (loss) on exchange transaction |
110385 |
84134 |
77007 |
73421 |
12660 |
14253 |
||||
i) |
Profit on exchange transaction |
110385 |
84134 |
78065 |
74563 |
12900 |
14673 |
||||
ii) |
Loss on exchange transaction |
- |
- |
1058 |
1142 |
241 |
420 |
||||
e) |
Miscellaneous income |
10697 |
12336 |
|
62794 |
87871 |
|
24737 |
27673 |
||
|
Total (I+II) |
2056678 |
2327683 |
|
3309832 |
3799424 |
|
630137 |
717750 |
||
III. |
Interest expended |
1087179 |
1281944 |
2008900 |
2351915 |
312745 |
451754 |
||||
a) |
Interest on deposits |
903790 |
1136342 |
1771105 |
2206289 |
267587 |
413642 |
||||
b) |
Interest on RBI/inter-bank borrowings |
87937 |
51874 |
131269 |
51782 |
30118 |
17082 |
||||
c) |
Others |
95453 |
93728 |
106526 |
93844 |
15041 |
21030 |
||||
IV. |
Operating expenses |
577176 |
599958 |
936366 |
1003514 |
111621 |
138090 |
||||
a) |
Payments to and provisions for employees |
430751 |
435309 |
682888 |
727844 |
65284 |
71937 |
||||
b) |
Rent, taxes and lighting |
35122 |
39642 |
61696 |
68463 |
9022 |
12249 |
||||
c) |
Printing and stationery |
8478 |
9848 |
15471 |
17794 |
2415 |
3052 |
||||
d) |
Advertisement and publicity |
1716 |
1496 |
3533 |
3409 |
2286 |
2647 |
||||
e) |
Depreciation on bank's property |
11598 |
13384 |
25409 |
32710 |
10730 |
18875 |
||||
f) |
Directors' fees, allowances and expenses |
91 |
118 |
212 |
273 |
119 |
216 |
||||
g) |
Auditors' fees and expenses |
1803 |
2062 |
4220 |
4560 |
271 |
344 |
||||
h) |
Law charges |
1360 |
1929 |
4802 |
6655 |
516 |
524 |
||||
i) |
Postage, telegrams, telephones, etc. |
7473 |
7792 |
12159 |
11777 |
2915 |
3751 |
||||
j) |
Repairs and maintenance |
3798 |
4899 |
10067 |
11536 |
1689 |
2659 |
||||
k) |
Insurance |
31841 |
29318 |
31654 |
26666 |
1786 |
2460 |
||||
l) |
Other expenditure |
43145 |
54161 |
84255 |
91827 |
14589 |
19376 |
||||
V. |
Provisions and contingencies |
311975 |
278792 |
|
478400 |
299476 |
|
46926 |
63040 |
||
Total expenses |
1976331 |
2160694 |
|
3423666 |
3654905 |
|
471293 |
652884 |
|||
VI. |
Profit (loss) |
80347 |
166989 |
|
(113834) |
144519 |
|
158845 |
64866 |
(Amount in Rs. lakh) |
|||||||||||
For the year ended 31st March |
|||||||||||
Items | Foreign Banks |
Regional Rural Banks |
Total |
||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(7) |
(8) |
|
(9) |
(10) |
|
(11) |
(12) |
Number of reporting banks |
30 |
33 |
194 |
191 |
284 |
285 |
|||||
I. |
Interest earned |
496862 |
611472 |
140266 |
198983 |
5852742 |
6824133 |
||||
a) |
Interest/discount on advances/bills |
316735 |
417301 |
52783 |
70234 |
3165922 |
3878706 |
||||
b) |
Income on Investments |
146730 |
152430 |
38932 |
68063 |
2222166 |
2450657 |
||||
c) |
Interest on balances with |
26111 |
30471 |
44766 |
54861 |
387639 |
381038 |
||||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
7286 |
11270 |
3786 |
5825 |
77015 |
113732 |
||||
II. |
Other income |
111428 |
138432 |
8840 |
10192 |
901300 |
979803 |
||||
a) |
Commission, exchange and brokerage |
65251 |
83653 |
3309 |
4136 |
551191 |
586340 |
||||
b) |
Net Profit (loss) on sale of investments |
4383 |
9599 |
2 |
32 |
3694 |
41982 |
||||
i) |
Profit on sale of investments |
5203 |
9957 |
2 |
32 |
15429 |
47176 |
||||
ii) |
Loss on sale of investments |
820 |
358 |
- |
- |
11734 |
5194 |
||||
c) |
Net Profit (loss) on sale of land, building & other assets |
596 |
-116 |
19 |
18 |
1428 |
491 |
||||
i) |
Profit on sale of land, building & other assets |
653 |
41 |
19 |
20 |
1507 |
697 |
||||
ii) |
Loss on sale of land, building & other assets |
57 |
157 |
- |
2 |
78 |
206 |
||||
d) |
Net Profit (loss) on exchange transaction |
39962 |
42624 |
- |
- |
240013 |
214432 |
||||
i) |
Profit on exchange transaction |
107384 |
94947 |
- |
- |
308734 |
268317 |
||||
ii) |
Loss on exchange transaction |
67423 |
52323 |
- |
- |
68721 |
53885 |
||||
e) |
Miscellaneous income |
1236 |
2672 |
|
5509 |
6006 |
|
104974 |
136558 |
||
|
Total (I+II) |
608290 |
749904 |
|
149106 |
209175 |
|
6754043 |
7803936 |
||
III. |
Interest expended |
318364 |
386644 |
104777 |
142163 |
3831965 |
4614420 |
||||
a) |
Interest on deposits |
215884 |
313954 |
86574 |
120905 |
3244939 |
4191132 |
||||
b) |
Interest on RBI/inter-bank borrowings |
74391 |
51194 |
14017 |
15676 |
337731 |
187608 |
||||
c) |
Others |
28090 |
21496 |
4186 |
5582 |
249295 |
235680 |
||||
IV. |
Operating expenses |
132330 |
166345 |
71399 |
78066 |
1828893 |
1985973 |
||||
a) |
Payments to and provisions for employees |
46539 |
58761 |
59374 |
65645 |
1284836 |
1359496 |
||||
b) |
Rent, taxes and lighting |
11758 |
14397 |
1501 |
1640 |
119099 |
136391 |
||||
c) |
Printing and stationery |
4079 |
5043 |
862 |
1007 |
31304 |
36744 |
||||
d) |
Advertisement and publicity |
7310 |
10195 |
16 |
18 |
14860 |
17765 |
||||
e) |
Depreciation on bank's property |
10094 |
12536 |
463 |
637 |
58295 |
78142 |
||||
f) |
Directors' fees, allowances and expenses |
82 |
100 |
10 |
6 |
514 |
713 |
||||
g) |
Auditors' fees and expenses |
159 |
166 |
126 |
165 |
6579 |
7297 |
||||
h) |
Law charges |
1464 |
1707 |
48 |
57 |
8189 |
10872 |
||||
i) |
Postage, telegrams, telephones, etc. |
8103 |
10304 |
391 |
447 |
31041 |
34071 |
||||
j) |
Repairs and maintenance |
6027 |
7660 |
158 |
175 |
21739 |
26929 |
||||
k) |
Insurance |
2507 |
2771 |
2615 |
1904 |
70403 |
63119 |
||||
l) |
Other expenditure |
34208 |
42705 |
5836 |
6365 |
182033 |
214434 |
||||
V. |
Provisions and contingencies |
83746 |
119897 |
|
15488 |
65572 |
|
936535 |
826777 |
||
Total expenses |
534440 |
672886 |
|
191664 |
285801 |
|
6597393 |
7427170 |
|||
VI. |
Profit (loss) |
73850 |
77018 |
|
(42558) |
(76626) |
|
156650 |
376766 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible |
Source |
: |
Annual accounts of banks |