Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 6 of 6)

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പ്രസിദ്ധീകരിച്ചത് ഡിസംബർ 31, 2001

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Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 6 of 6)

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh

		For the year ended March 31

Items		IndusInd		Jammu &		Karnataka		Karur Vysya
		Bank		Kashmir Bank		Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

Income
I.	Interest Earned	63740	72872	88461	107650	57804	65389	41803	46119
	a) Interest/discount on advances/bills	32458	37229	38068	43545	30153	34659	23317	26681
	b) Income on Investments	28406	32659	44091	56787	24301	25936	15247	16827
	c) Interest on balances with	2876	2984	6302	7318	3217	4141	2920	2583
	RBI and other inter-bank funds
	d) Others	1	0	0	0	131	653	320	28

II.	Other income	14482	11655	10512	8078	7225	8948	5780	5386
	a) Commission, exchange and brokerage	3281	3306	1981	2195	3998	4312	4387	4611
	b) Net Profit (loss) on sale of investments	6579	2461	6066	1952	1617	3032	11	-581
	c) Net Profit (loss) on revaluation of investments	0	757	0	0	0	0	0	0
	d) Net Profit (loss) on sale of land, building & other assets	-34	36	0	0	10	12	0	1
	e) Net Profit (loss) on exchange transaction	1040	1283	79	375	989	942	602	791
	f) Miscellaneous income	3616	3813	2385	3555	611	651	780	564

	Total (I+II)	78223	84527	98972	115728	65029	74337	47583	51505


Expenditure & Provisions
III.	Interest expended	50112	56946	59822	71961	46383	50189	28100	30574
	a) Interest on deposits	44642	50759	57268	71328	44659	48990	25603	28220
	b) Interest on RBI/inter-bank borrowings	2945	2608	2554	381	886	703	817	904
	c) Others	2525	3579	0	252	837	496	1679	1450

IV.	Operating expenses	9024	10307	15942	16487	10565	10541	8573	9876
	a) Payments to and provisions for employees	1197	1340	8984	9583	7528	7177	5392	4943
	b) Rent, taxes and lighting	1810	1866	1055	1245	742	859	446	510
	c) Printing and stationery	188	225	170	342	143	146	140	171
	d) Advertisement and publicity	66	114	272	325	33	46	129	183
	e) Depreciation on Bank's property	2171	2790	1082	1698	808	890	1248	931
	f) Directors' fees, allowances and expenses	17	22	9	18	10	15	13	26
	g) Auditors' fees and expenses	34	35	85	104	24	26	14	17
	h) Law charges	147	188	20	16	7	8	4	6
	i) Postage, telegrams, telephones, etc.	735	632	226	197	105	124	331	403
	j) Repairs and maintenance	398	458	107	133	173	124	125	133
	k) Insurance	283	347	334	405	265	278	150	161
	l) Other expenditure	1978	2290	3598	2422	728	849	581	2392

V.	Provisions and contingencies	13477	13220	11191	10523	2255	9066	3796	3850

	Total expenses@	59137	67253	75764	88448	56948	60730	36673	40450

VI.	Profit (loss)	5609	4054	12017	16756	5826	4541	7114	7205


	Total (III+IV+V+VI)	78223	84527	98972	115728	65029	74337	47583	51505

(Amount in Rs. lakh)

		For the year ended March 31

Items		Lakshmi Vilas		Lord Krishna		Nainital Bank		Nedungadi Bank
		Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)

Income
I.	Interest Earned	22246	25110	9724	12344	4797	5646	17290	17723
	a) Interest/discount on advances/bills	13732	16896	5844	7566	1285	1450	9881	9800
	b) Income on Investments	7359	7420	3749	4519	2350	3060	7112	7488
	c) Interest on balances with	789	564	132	140	1154	1130	228	401
	RBI and other inter-bank funds
	d) Others	365	229	0	119	8	6	69	33

II.	Other income	5971	5884	1893	2104	268	241	2494	2895
	a) Commission, exchange and brokerage	2762	3206	576	1058	170	158	1021	1104
	b) Net Profit (loss) on sale of investments	1424	-195	962	558	8	3	553	822
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	0	0	0
	d) Net Profit (loss) on sale of land, building & other assets	50	-4	0	5	0	0	1	4
	e) Net Profit (loss) on exchange transaction	360	414	0	0	0	0	487	506
	f) Miscellaneous income	1375	2462	354	483	89	80	431	460

	Total (I+II)	28217	30993	11617	14448	5065	5888	19784	20618


Expenditure & Provisions
III.	Interest expended	16253	18454	8266	10315	2870	3432	12508	15746
	a) Interest on deposits	15201	17204	7569	9568	2869	3430	11838	15041
	b) Interest on RBI/inter-bank borrowings	965	988	4	252	0	2	187	173
	c) Others	86	262	693	496	0	0	483	534

IV.	Operating expenses	6420	6532	1893	2614	1345	1481	4654	4807
	a) Payments to and provisions for employees	3852	3819	1068	1381	1004	1071	2921	3187
	b) Rent, taxes and lighting	690	521	274	366	104	114	327	437
	c) Printing and stationery	98	118	18	44	23	18	61	61
	d) Advertisement and publicity	38	71	13	137	4	5	48	56
	e) Depreciation on Bank's property	512	556	173	155	23	34	144	239
	f) Directors' fees, allowances and expenses	10	19	6	10	2	4	11	9
	g) Auditors' fees and expenses	10	13	3	4	3	4	7	14
	h) Law charges	4	3	0	7	5	11	6	10
	i) Postage, telegrams, telephones, etc.	207	233	46	70	32	34	54	59
	j) Repairs and maintenance	21	23	4	13	9	9	2	2
	k) Insurance	97	118	38	51	20	26	57	72
	l) Other expenditure	881	1036	250	376	116	152	1015	661

V.	Provisions and contingencies	2909	3333	821	1018	419	470	1160	6844

	Total expenses@	22673	24986	10159	12930	4215	4913	17161	20553

VI.	Profit (loss)	2636	2674	637	501	431	505	1463	-6780


	Total (III+IV+V+VI)	28217	30993	11617	14448	5065	5888	19784	20617

(Amount in Rs. lakh

		For the year ended March 31

Items		Ratnakar Bank		Sangli Bank		SBI Commercial		South Indian
						& Intl. Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)

Income
I.	I. Interest Earned	4941	6065	12453	14784	6649	6419	46894	54041
	a) Interest/discount on advances/bills	2621	3090	4658	4900	3489	3094	26362	30325
	b) Income on Investments	2084	2655	5818	8193	2441	2280	18766	21767
	c) Interest on balances with	224	311	1913	1175	681	1045	1765	1949
	RBI and other inter-bank funds
	d) Others	11	8	65	516	37	0	0	0

II.	Other income	817	903	2032	1392	1653	988	7456	7253
	a) Commission, exchange and brokerage	173	191	776	689	437	306	1973	2381
	b) Net Profit (loss) on sale of investments	548	479	849	334	133	107	3333	2527
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	295	0	0
	d) Net Profit (loss) on sale of land, building & other assets	1	0	1	0	2	1	5	5
	e) Net Profit (loss) on exchange transaction	0	0	179	158	314	196	848	818
	f) Miscellaneous income	96	233	227	212	768	84	1296	1522

	Total (I+II)	5758	6968	14485	16176	8302	7407	54349	61294


Expenditure & Provisions
III.	Interest expended	3535	4234	8619	9681	5246	5650	35072	39094
	a) Interest on deposits	3287	3977	8596	9318	4463	4827	33186	36954
	b) Interest on RBI/inter-bank borrowings	123	116	8	348	613	458	567	587
	c) Others	125	141	15	15	171	365	1319	1553

IV.	Operating expenses	1494	1694	4168	4739	803	914	11250	11503
	a) Payments to and provisions for employees	986	968	3199	3776	260	302	8633	8527
	b) Rent, taxes and lighting	196	217	322	359	130	144	806	951
	c) Printing and stationery	25	23	33	37	21	17	178	160
	d) Advertisement and publicity	7	5	5	7	4	3	37	86
	e) Depreciation on Bank's property	130	322	88	93	119	144	313	324
	f) Directors' fees, allowances and expenses	2	4	1	1	4	4	4	5
	g) Auditors' fees and expenses	5	6	6	6	3	3	29	37
	h) Law charges	6	9	15	5	25	42	7	7
	i) Postage, telegrams, telephones, etc.	28	28	52	58	-1	7	221	257
	j) Repairs and maintenance	16	12	62	45	24	23	72	96
	k) Insurance	22	29	58	63	51	48	229	242
	l) Other expenditure	71	71	326	290	163	177	721	810

V.	Provisions and contingencies	381	638	1198	1133	1050	5043	5438	6547

	Total expenses@	5028	5928	12787	14420	6049	6564	46322	50597

VI.	Profit (loss)	349	402	499	622	1203	-4200	2589	4150


	Total (III+IV+V+VI)	5758	6968	14485	16176	8302	7407	54349	61294

(Amount in Rs.lakh)

		For the year ended March 31

Items		Tamilnad		United Western		UTI Bank		Vysya Bank
		Mercantile Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)

Income
I.	Interest Earned	31182	37562	41948	47273	48326	88963	79382	88929
	a) Interest/discount on advances/bills	15000	17955	25111	26293	29665	47361	38408	45628
	b) Income on Investments	15220	18652	14610	18052	15702	37389	28624	32034
	c) Interest on balances with	806	766	2227	2518	2508	4041	9801	10725
	RBI and other inter-bank funds
	d) Others	156	190	0	410	450	172	2550	543

II.	Other income	4997	5115	12125	4628	9117	16300	18674	12385
	a) Commission, exchange and brokerage	2972	3237	2908	2767	4473	8625	6731	7927
	b) Net Profit (loss) on sale of investments	99	-62	6157	75	3971	6378	6673	1513
	c) Net Profit (loss) on revaluation of investments	0	0	0	-697	0	0	0	0
	d) Net Profit (loss) on sale of land, building & other assets	4	2	0	1	-23	-8	-1	-3
	e) Net Profit (loss) on exchange transaction	533	664	619	607	465	521	2567	949
	f) Miscellaneous income	1390	1275	2442	1875	231	783	2704	1999

	Total (I+II)	36179	42677	54074	51900	57443	105263	98056	101314


Expenditure & Provisions
III.	Interest expended	22336	25484	30463	36315	39286	79136	68315	71598
	a) Interest on deposits	21335	24246	28116	33995	33990	70374	65096	66336
	b) Interest on RBI/inter-bank borrowings	100	141	1294	1058	2439	3345	2401	4089
	c) Others	902	1096	1052	1262	2857	5418	819	1174

IV.	Operating expenses	6581	6982	9343	9383	6540	12876	17679	18279
	a) Payments to and provisions for employees	4052	4264	6628	6281	1543	2852	9730	10378
	b) Rent, taxes and lighting	524	658	610	676	1490	2640	1710	1940
	c) Printing and stationery	189	218	180	212	214	436	482	459
	d) Advertisement and publicity	81	82	38	64	47	557	73	134
	e) Depreciation on Bank's property	452	398	644	808	1147	2173	2022	1355
	f) Directors' fees, allowances and expenses	10	9	7	9	4	15	31	50
	g) Auditors' fees and expenses	16	20	34	35	21	21	42	51
	h) Law charges	19	22	32	82	43	184	41	71
	i) Postage, telegrams, telephones, etc.	114	92	114	118	208	838	467	545
	j) Repairs and maintenance	245	225	86	96	605	1017	565	759
	k) Insurance	133	152	165	190	223	414	349	381
	l) Other expenditure	747	840	805	811	995	1730	2167	2156

V.	Provisions and contingencies	3199	5172	8697	5898	6524	4638	7632	7581

	Total expenses@	28917	32465	39806	45698	45826	92013	85994	89878

VI.	Profit (loss)	4063	5040	5570	304	5093	8612	4431	3855


	Total (III+IV+V+VI)	36179	42677	54074	51900	57443	105263	98056	101314