(Amount in ` Billion)

Number of reporting banks

6

6

20

20

26

26

I. Interest Earned

1098.28

1434.88

2563.06

3412.52

3661.35

4847.40

a) Interest/Discount earned on advances/bills

819.04

1101.23

1911.78

2599.55

2730.83

3700.78

b) Income on investments

259.72

312.50

607.61

758.00

867.33

1070.50

c) Interest on balances with RBI and other inter-bank funds

4.94

7.15

24.34

38.61

29.28

45.77

d) Others

14.58

13.98

19.33

16.36

33.91

30.34

II. Other Income

192.40

178.90

287.25

324.67

479.65

503.58

a) Commission, exchange and brokerage

141.79

147.70

120.47

133.70

262.26

281.40

b) Net profit (loss) on sale of investments

12.97

-4.81

36.69

43.94

49.66

39.13

c) Net profit (loss) on revaluation of investments

-0.05

-

-0.90

-0.99

-0.94

-0.99

d) Net profit (loss) on sale of land building and other assets

-0.21

-0.47

0.03

0.10

-0.19

-0.37

e) Net profit (loss) on exchange transactions

17.03

16.43

35.59

45.53

52.62

61.96

f) Miscellaneous income

20.87

20.05

95.38

102.40

116.24

122.45

Total (I+II)

1290.68

1613.78

2850.31

3737.20

4140.99

5350.98

Interest Expended

670.18

888.51

1641.35

2396.88

2311.53

3285.39

a) Interest on deposits

598.62

791.79

1464.71

2188.09

2063.33

2979.88

b) Interest on RBI/ Inter - bank borrowings

28.23

42.80

52.64

77.62

80.88

120.41

c) Others

43.32

53.92

124.00

131.17

167.33

185.09

IV. Operating Expenses

291.46

327.40

538.19

574.75

829.65

902.15

a) Payments to and provisions for employees

192.07

211.84

357.57

362.69

549.64

574.52

b) Rent, taxes and lighting

22.97

26.57

36.04

42.24

59.01

68.81

c) Printing and stationery

3.17

3.47

4.67

5.25

7.84

8.72

d) Advertisement and publicity

3.06

2.63

6.30

5.21

9.36

7.84

e) Depreciation on bank's property

12.53

12.83

21.28

22.49

33.80

35.32

f) Directors' fees, allowances and expenses

0.02

0.02

0.16

0.18

0.18

0.20

g) Auditors' fees and expenses

1.84

1.92

4.05

4.20

5.89

6.12

h) Law charges

1.39

1.43

2.13

2.43

3.52

3.85

i) Postage, telegrams, telephones, etc

4.14

4.92

6.83

7.77

10.97

12.70

j) Repairs and maintenance

4.36

4.41

9.26

11.90

13.62

16.30

k) Insurance

10.65

12.62

24.99

29.38

35.65

42.01

l) Other expenditure

35.25

44.75

64.92

81.01

100.17

125.76

V. Net Interest Income (I-III)

428.10

546.37

921.71

1015.64

1349.81

1562.01

VI. Provisions and Contingencies

210.41

244.54

340.39

423.77

550.80

668.31

VII. Operating Profit (I+II-III-IV)

329.04

397.87

670.77

765.57

999.81

1163.44

VIII.Profit (Loss) during the year

118.63

153.34

330.38

341.80

449.01

495.14

TABLE 9.1 : BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS
IN INDIA - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

Number of reporting banks

14

13

7

7

21

20

I. Interest Earned

232.99

325.92

734.14

1013.87

967.13

1339.80

a) Interest/Discount earned on advances/bills

176.46

248.48

513.54

720.93

690.00

969.41

b) Income on investments

54.63

74.42

198.69

269.87

253.32

344.29

c) Interest on balances with RBI and other inter-bank funds

1.37

2.53

7.46

7.85

8.82

10.39

d) Others

0.54

0.48

14.46

15.22

14.99

15.71

II. Other Income

30.29

33.83

178.45

211.16

208.73

244.99

a) Commission, exchange and brokerage

13.65

14.94

138.45

157.61

152.10

172.54

b) Net profit (loss) on sale of investments

3.79

2.94

6.11

4.87

9.90

7.81

c) Net profit (loss) on revaluation of investments

-

-

-4.30

-4.95

-4.30

-4.95

d) Net profit (loss) on sale of land and other assets

0.18

0.10

0.31

0.17

0.49

0.27

e) Net profit (loss) on exchange transactions

2.98

4.33

26.40

35.89

29.39

40.22

f) Miscellaneous income

9.69

11.53

11.47

17.57

21.16

29.09

Total (I+II)

263.28

359.75

912.59

1225.03

1175.86

1584.78

III. Interest Expended

147.68

225.06

423.81

642.79

571.49

867.84

a) Interest on deposits

138.98

210.10

315.10

490.09

454.08

700.19

b) Interest on RBI/ Inter - bank borrowings

2.20

6.67

36.79

58.17

39.00

64.84

c) Others

6.49

8.29

71.92

94.52

78.41

102.81

IV. Operating Expenses

56.00

65.40

220.06

268.05

276.06

333.45

a) Payments to and provisions for employees

34.13

37.77

89.02

109.83

123.15

147.60

b) Rent, taxes and lighting

4.89

5.97

23.17

24.90

28.06

30.87

c) Printing and stationery

0.62

0.85

4.80

4.90

5.41

5.75

d) Advertisement and publicity

0.86

1.13

4.69

4.57

5.55

5.71

e) Depreciation on bank's property

2.93

3.38

15.56

16.54

18.50

19.92

f) Directors' fees, allowances and expenses

0.06

0.06

0.03

0.04

0.10

0.10

g) Auditors' fees and expenses

0.18

0.22

0.08

0.08

0.25

0.30

h) Law charges

0.17

0.18

1.24

1.28

1.41

1.46

i) Postage, telegrams, telephones, etc

1.10

1.31

7.53

9.07

8.64

10.38

j) Repairs and maintenance

1.18

1.57

15.37

18.96

16.56

20.52

k) Insurance

2.15

2.66

6.80

8.08

8.95

10.75

l) Other expenditure

7.74

10.30

51.76

69.79

59.50

80.09

V. Net Interest Income (I-III)

85.31

100.86

310.33

371.09

395.64

471.95

VI. Provisions and Contingencies

28.58

30.05

122.61

126.26

151.19

156.31

VII. Operating Profit (I+II-III-IV)

59.59

69.29

268.72

314.20

328.31

383.49

VIII. Profit (Loss) during the year

31.01

39.24

146.10

187.94

177.12

227.18

Source : Annual accounts of banks of respective years.

TABLE 9.1 : BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS IN INDIA - 2010-11 AND 2011-12 AS ON MARCH 31 (Concld.)

(Amount in ` Billion)

Number of reporting banks

34

41

81

87

I. Interest Earned

284.93

363.40

4913.41

6550.59

a) Interest/Discount earned on advances/bills

156.99

204.29

3577.82

4874.49

b) Income on investments

120.03

148.28

1240.68

1563.07

c) Interest on balances with RBI and other inter-bank funds

5.63

8.97

43.73

65.12

d) Others

2.27

1.86

51.17

47.91

II. Other Income

110.12

108.84

798.50

857.40

a) Commission, exchange and brokerage

64.05

68.44

478.42

522.39

b) Net profit (loss) on sale of investments

-24.15

-11.37

35.41

35.58

c) Net profit (loss) on revaluation of investments

0.69

1.53

-4.55

-4.41

d) Net profit (loss) on sale of land and other assets

0.73

1.18

1.04

1.08

e) Net profit (loss) on exchange transactions

60.60

49.69

142.60

151.87

f) Miscellaneous income

8.18

-0.64

145.59

150.90

Total (I+II)

395.05

472.23

5711.91

7407.99

III. Interest Expended

106.23

151.95

2989.25

4305.19

a) Interest on deposits

77.90

112.26

2595.30

3792.33

b) Interest on RBI/ Inter - bank borrowings

20.65

27.64

140.53

212.90

c) Others

7.67

12.05

253.42

299.95

IV. Operating Expenses

125.69

135.46

1231.40

1371.06

a) Payments to and provisions for employees

54.03

57.50

726.82

779.62

b) Rent, taxes and lighting

8.38

9.26

95.45

108.93

c) Printing and stationery

1.31

1.30

14.56

15.77

d) Advertisement and publicity

7.12

6.42

22.02

19.97

e) Depreciation on bank's property

4.40

4.53

56.70

59.77

f) Directors' fees, allowances and expenses

-

-

0.28

0.30

g) Auditors' fees and expenses

0.07

0.08

6.21

6.50

h) Law charges

1.02

1.40

5.95

6.72

i) Postage, telegrams, telephones, etc

4.86

5.53

24.47

28.61

j) Repairs and maintenance

3.91

4.17

34.09

41.00

k) Insurance

3.04

4.47

47.64

57.22

l) Other expenditure

37.55

40.79

197.22

246.64

V. Net Interest Income (I-III)

178.70

211.44

1924.16

2245.41

VI. Provisions and Contingencies

85.95

90.56

787.94

915.17

VII. Operating Profit (I+II-III-IV)

163.14

184.82

1491.26

1731.75

VIII. Profit (Loss) during the year

77.19

94.26

703.31

816.58

Source : Annual accounts of banks of respective years.