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Table B2 : Earnings and expenses of Scheduled Commercial Banks - 2010-11 and 2011-12

FOREIGN BANKS

(Amount in ` Million)

Items

AB Bank

Abu Dhabi Commercial Bank

American Express Banking Corp.

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

Income

           

I. Interest Earned

40

51

428

760

622

783

a) Interest/Discount earned on advances/bills

28

31

138

234

495

565

b) Income on investments

8

10

174

166

126

218

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

4

9

116

355

1

1

d) Others

-

-

-

5

-

-

II. Other Income

160

187

35

47

3978

5046

a) Commission, exchange and brokerage

148

177

18

21

3657

4528

b) Net profit (loss) on sale of investments

-

-

-

-

-

-

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-2

-

3

4

e) Net profit (loss) on exchange transactions

6

4

19

26

-

-

f) Miscellaneous income

6

6

-

-

318

515

Total (I+II)

200

238

463

807

4600

5829

Expenditure & Provisions

           

III. Interest Expended

3

6

244

403

381

807

a) Interest on deposits

2

4

214

310

332

462

b) Interest on RBI/ Inter - bank borrowings

1

1

30

93

49

345

c) Others

-

-

-

-

-

-

IV. Operating Expenses

85

94

146

176

4162

4825

a) Payments to and provisions for employees

10

12

84

96

1020

1075

b) Rent, taxes and lighting

7

10

18

23

139

170

c) Printing and stationery

1

1

1

1

38

41

d) Advertisement and publicity

2

2

-

-

1275

1151

e) Depreciation on bank's property

8

9

3

8

275

168

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

-

1

-

-

3

3

h) Law charges

-

-

-

1

4

1

i) Postage, telegrams, telephones, etc

5

5

5

4

136

137

j) Repairs and maintenance

1

1

10

12

74

94

k) Insurance

-

-

5

5

6

8

l) Other expenditure

50

53

19

25

1193

1976

V. Net Interest Income (I-III)

37

45

184

358

241

-24

VI. Provisions and Contingencies

59

56

-9

65

-204

158

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

112

138

74

228

56

198

VIII. Profit (Loss) during the year

53

82

82

163

261

40

Source : Annual accounts of banks.


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Antwerp Diamond Bank

Bank Internasional Indonesia

Bank of America

2011

2012

2011

2012

2011

2012

(7)

(8)

(9)

(10)

(11)

(12)

Income

           

I. Interest Earned

287

437

18

-

7253

11131

a) Interest/Discount earned on advances/bills

175

255

-

-

3358

6736

b) Income on investments

96

176

-

-

3587

4325

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

-

1

18

-

56

21

d) Others

16

4

-

-

252

50

II. Other Income

108

179

1

-

5810

5079

a) Commission, exchange and brokerage

79

139

-

-

466

467

b) Net profit (loss) on sale of investments

-

-

-

-

-544

292

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

-

1

-1

e) Net profit (loss) on exchange transactions

21

21

-

-

5301

3624

f) Miscellaneous income

9

18

1

-

587

697

Total (I+II)

395

615

18

-

13063

16210

Expenditure & Provisions        

 

 

III. Interest Expended

73

198

-

-

1975

4239

a) Interest on deposits

6

9

-

-

1513

3000

b) Interest on RBI/ Inter - bank borrowings

33

76

-

-

224

406

c) Others

35

113

-

-

239

832

IV. Operating Expenses

120

141

4

-

3585

4055

a) Payments to and provisions for employees

71

79

-

-

2173

2119

b) Rent, taxes and lighting

7

8

1

-

174

186

c) Printing and stationery

1

1

-

-

33

45

d) Advertisement and publicity

-

1

-

-

-

-

e) Depreciation on bank's property

2

3

-

-

92

112

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

1

1

-

-

3

3

h) Law charges

2

13

2

-

4

3

i) Postage, telegrams, telephones, etc

5

5

-

-

70

206

j) Repairs and maintenance

3

3

-

-

58

58

k) Insurance

-

-

-

-

55

67

l) Other expenditure

27

28

1

-

923

1255

V. Net Interest Income (I-III)

213

239

18

-

5278

6892

VI. Provisions and Contingencies

346

139

3

-

3276

2662

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

202

277

14

-

7502

7916

VIII. Profit (Loss) during the year

-144

137

11

-

4226

5255

Source : Annual accounts of banks.


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Bank of Bahrain & Kuwait

Bank of Ceylon

Bank of Nova Scotia

2011

2012

2011

2012

2011

2012

(13)

(14)

(15)

(16)

(17)

(18)

Income

           

I. Interest Earned

520

760

133

183

4619

6626

a) Interest/Discount earned on advances/bills

391

544

59

79

3320

4124

b) Income on investments

121

210

36

49

1194

2307

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

4

3

-

-

1

8

d) Others

3

3

38

55

104

186

II. Other Income

96

107

47

44

1540

2289

a) Commission, exchange and brokerage

44

59

25

27

210

394

b) Net profit (loss) on sale of investments

1

1

-

-1

-

-41

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

-

-3

-

e) Net profit (loss) on exchange transactions

29

15

8

9

889

1223

f) Miscellaneous income

22

31

14

8

444

713

Total (I+II)

616

866

181

227

6158

8915

Expenditure & Provisions

           

III. Interest Expended

237

289

38

44

2386

3757

a) Interest on deposits

191

200

38

44

1862

2989

b) Interest on RBI/ Inter - bank borrowings

19

48

-

-

523

759

c) Others

27

40

-

-

1

8

IV. Operating Expenses

173

186

37

40

535

780

a) Payments to and provisions for employees

83

88

13

14

237

267

b) Rent, taxes and lighting

34

40

6

6

83

113

c) Printing and stationery

2

2

-

1

6

6

d) Advertisement and publicity

1

1

1

1

1

1

e) Depreciation on bank's property

21

15

3

4

20

29

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

1

1

-

-

4

3

h) Law charges

1

1

-

-

1

1

i) Postage, telegrams, telephones, etc

4

4

6

7

25

26

j) Repairs and maintenance

5

8

2

3

28

47

k) Insurance

7

7

-

-

21

31

l) Other expenditure

15

19

6

5

108

257

V. Net Interest Income (I-III)

283

471

95

139

2233

2869

VI. Provisions and Contingencies

63

185

33

66

1319

1908

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

206

392

105

143

3237

4377

VIII. Profit (Loss) during the year

143

207

73

77

1918

2469

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Bank of Tokyo-Mitsubishi UFJ

Barclays Bank

BNP Paribas

2011

2012

2011

2012

2011

2012

(19)

(20)

(21)

(22)

(23)

(24)

Income

           

I. Interest Earned

3133

6019

16804

17006

6461

8424

a) Interest/Discount earned on advances/bills

2406

3927

8930

8326

3672

4935

b) Income on investments

586

1786

7775

8456

2740

3450

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

125

162

32

27

49

31

d) Others

16

144

67

197

-

8

II. Other Income

814

1613

4563

-996

2581

730

a) Commission, exchange and brokerage

382

878

2355

1600

1347

1186

b) Net profit (loss) on sale of investments

-

-

-547

-117

-284

-123

c) Net profit (loss) on revaluation of investments

-

-

-237

-

-

-

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

-1

-2

-

1

27

-42

e) Net profit (loss) on exchange transactions

430

721

2982

-2009

1373

-622

f) Miscellaneous income

3

17

11

-469

119

330

Total (I+II)

3947

7632

21367

16010

9042

9154

Expenditure & Provisions

           

III. Interest Expended

672

1676

8325

8980

2409

4038

a) Interest on deposits

560

1435

3502

3624

2019

3458

b) Interest on RBI/ Inter - bank borrowings

39

78

3471

4712

391

580

c) Others

73

164

1352

645

-

-

IV. Operating Expenses

688

1308

7605

7423

2856

3580

a) Payments to and provisions for employees

331

562

3180

3235

1138

1283

b) Rent, taxes and lighting

80

117

747

663

426

570

c) Printing and stationery

10

14

33

29

16

15

d) Advertisement and publicity

1

2

148

42

46

34

e) Depreciation on bank's property

103

104

377

307

85

115

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

1

1

5

4

3

3

h) Law charges

3

7

16

6

11

3

i) Postage, telegrams, telephones, etc

11

16

156

166

31

38

j) Repairs and maintenance

24

38

207

181

79

82

k) Insurance

20

27

79

69

54

54

l) Other expenditure

104

420

2657

2719

967

1382

V. Net Interest Income (I-III)

2461

4342

8478

8025

4052

4386

VI. Provisions and Contingencies

1570

2523

4436

1436

1898

722

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

2587

4648

5437

-394

3777

1536

VIII. Profit (Loss) during the year

1016

2124

1001

-1830

1880

814

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Chinatrust Commercial Bank

Citibank

Commonwealth Bank of Australia

2011

2012

2011

2012

2011

2012

(25)

(26)

(27)

(28)

(29)

(30)

Income

           

I. Interest Earned

208

363

62693

77676

83

147

a) Interest/Discount earned on advances/bills

188

324

34995

42444

4

45

b) Income on investments

19

38

26091

30595

1

13

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

1

1

1561

4305

78

89

d) Others

-

-

46

332

-

-

II. Other Income

53

59

19472

13933

20

69

a) Commission, exchange and brokerage

22

35

9472

9534

10

50

b) Net profit (loss) on sale of investments

-

-

-5764

-4644

-

-

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-17

-6

-

-

e) Net profit (loss) on exchange transactions

27

19

15425

8572

10

19

f) Miscellaneous income

4

5

356

477

-

-

Total (I+II)

261

422

82165

91609

103

216

Expenditure & Provisions

           

III. Interest Expended

59

149

22227

28875

-

5

a) Interest on deposits

38

56

16333

19457

-

2

b) Interest on RBI/ Inter - bank borrowings

20

94

3227

6231

-

2

c) Others

1

-

2667

3187

-

-

IV. Operating Expenses

115

147

27170

28014

270

268

a) Payments to and provisions for employees

46

64

10111

10609

104

113

b) Rent, taxes and lighting

9

10

1319

1419

33

31

c) Printing and stationery

-

1

498

458

1

1

d) Advertisement and publicity

-

-

843

1194

5

-

e) Depreciation on bank's property

6

8

939

988

4

4

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

1

1

9

10

-

-

h) Law charges

3

3

160

219

5

3

i) Postage, telegrams, telephones, etc

2

2

2176

2783

1

1

j) Repairs and maintenance

10

11

766

820

1

-

k) Insurance

1

1

584

589

4

4

l) Other expenditure

36

47

9765

8925

114

112

V. Net Interest Income (I-III)

149

214

40467

48802

83

142

VI. Provisions and Contingencies

47

127

18522

15500

1

2

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

87

126

32769

34720

-167

-57

VIII. Profit (Loss) during the year

40

-1

14246

19220

-168

-59

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Credit Agricole

Credit Suisse AG

DBS Bank

2011

2012

2011

2012

2011

2012

(31)

(32)

(33)

(34)

(35)

(36)

Income

           

I. Interest Earned

3689

4525

-

1006

10659

17971

a) Interest/Discount earned on advances/bills

1406

1536

-

2

3539

7589

b) Income on investments

2268

2966

-

574

6302

10333

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

14

17

-

294

818

49

d) Others

2

7

-

136

-

-

II. Other Income

1803

2633

-

1238

961

3110

a) Commission, exchange and brokerage

609

540

-

-

1967

4487

b) Net profit (loss) on sale of investments

-523

-81

-

-137

-1048

-555

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-2

-

-

-

-

-

e) Net profit (loss) on exchange transactions

1693

2154

-

1277

36

-860

f) Miscellaneous income

26

19

-

99

8

37

Total (I+II)

5492

7158

-

2244

11620

21081

Expenditure & Provisions

           

III. Interest Expended

1745

2581

-

89

5908

10450

a) Interest on deposits

423

583

-

59

3577

6347

b) Interest on RBI/ Inter - bank borrowings

1168

1801

-

-

2331

4103

c) Others

154

198

-

30

-

-

IV. Operating Expenses

947

1030

-

547

2726

4121

a) Payments to and provisions for employees

517

524

-

405

1252

1943

b) Rent, taxes and lighting

71

77

-

37

404

473

c) Printing and stationery

3

2

-

1

10

13

d) Advertisement and publicity

14

8

-

-

37

37

e) Depreciation on bank's property

46

45

-

11

136

196

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

-

1

-

1

3

3

h) Law charges

56

25

-

-

26

85

i) Postage, telegrams, telephones, etc

12

15

-

20

34

36

j) Repairs and maintenance

23

27

-

9

59

81

k) Insurance

12

10

-

4

69

104

l) Other expenditure

192

296

-

58

696

1150

V. Net Interest Income (I-III)

1944

1944

-

917

4751

7522

VI. Provisions and Contingencies

2322

841

-

717

1714

3156

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

2800

3547

-

1609

2986

6511

VIII. Profit (Loss) during the year

479

2706

-

891

1272

3355

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Deutsche Bank

FirstRand Bank

Hongkong & Shanghai Banking Corporation

2011

2012

2011

2012

2011

2012

(37)

(38)

(39)

(40)

(41)

(42)

Income

           

I. Interest Earned

18802

23982

353

629

51950

61963

a) Interest/Discount earned on advances/bills

11590

17599

34

133

24095

27500

b) Income on investments

6270

6314

318

496

27244

33584

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

825

23

1

-

548

809

d) Others

117

47

-

-

63

70

II. Other Income

9805

7530

234

223

17886

22008

a) Commission, exchange and brokerage

5198

5867

19

30

10588

10341

b) Net profit (loss) on sale of investments

-1717

-879

-2

-4

-6453

-1819

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-19

-1

-

-

-2

234

e) Net profit (loss) on exchange transactions

6380

1659

32

42

11762

23332

f) Miscellaneous income

-37

884

185

154

1992

-10079

Total (I+II)

28606

31512

587

852

69836

83970

Expenditure & Provisions

           

III. Interest Expended

4616

5898

152

265

18591

24505

a) Interest on deposits

2376

3727

1

7

17602

23279

b) Interest on RBI/ Inter - bank borrowings

2239

2169

125

200

900

1165

c) Others

2

1

27

59

90

61

IV. Operating Expenses

11234

10552

519

616

21909

24183

a) Payments to and provisions for employees

5465

4949

364

414

8744

9399

b) Rent, taxes and lighting

475

380

29

30

1277

1341

c) Printing and stationery

73

77

1

-

136

125

d) Advertisement and publicity

197

79

1

1

1158

651

e) Depreciation on bank's property

337

280

33

32

720

503

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

7

4

-

-

5

4

h) Law charges

39

13

-

1

203

529

i) Postage, telegrams, telephones, etc

340

245

1

1

571

464

j) Repairs and maintenance

448

355

12

13

430

567

k) Insurance

277

1760

6

7

787

792

l) Other expenditure

3576

2410

72

116

7880

9808

V. Net Interest Income (I-III)

14186

18084

201

363

33358

37458

VI. Provisions and Contingencies

6454

6829

4

-27

14059

15406

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

12756

15062

-84

-29

29335

35282

VIII. Profit (Loss) during the year

6301

8233

-88

-2

15276

19877

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

JPMorgan Chase Bank

JSC VTB Bank

Krung Thai Bank

2011

2012

2011

2012

2011

2012

(43)

(44)

(45)

(46)

(47)

(48)

Income

           

I. Interest Earned

7396

11928

69

120

95

129

a) Interest/Discount earned on advances/bills

1053

2815

20

91

6

11

b) Income on investments

6025

8956

1

1

22

23

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

313

157

48

27

67

95

d) Others

4

-

-

-

-

-

II. Other Income

5417

3468

5

9

17

20

a) Commission, exchange and brokerage

1190

1242

2

5

6

5

b) Net profit (loss) on sale of investments

-402

-31

-

-

-

-

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

-1

-

-

e) Net profit (loss) on exchange transactions

4627

2231

1

5

10

14

f) Miscellaneous income

2

25

1

-

-

-

Total (I+II)

12813

15396

73

128

112

148

Expenditure & Provisions

           

III. Interest Expended

2471

4440

-

2

29

48

a) Interest on deposits

1801

3129

-

2

29

47

b) Interest on RBI/ Inter - bank borrowings

449

1021

-

-

-

-

c) Others

221

290

-

-

-

-

IV. Operating Expenses

2044

2093

88

98

37

34

a) Payments to and provisions for employees

1289

1286

33

37

8

8

b) Rent, taxes and lighting

102

132

35

37

19

15

c) Printing and stationery

7

6

1

1

-

-

d) Advertisement and publicity

-

1

-

-

-

-

e) Depreciation on bank's property

30

27

3

3

1

3

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

2

2

1

1

-

-

h) Law charges

19

11

1

2

-

-

i) Postage, telegrams, telephones, etc

60

66

1

1

1

1

j) Repairs and maintenance

62

78

1

2

3

3

k) Insurance

64

67

-

-

-

-

l) Other expenditure

408

417

11

16

5

4

V. Net Interest Income (I-III)

4925

7488

69

118

66

81

VI. Provisions and Contingencies

3449

3901

-2

19

20

30

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

8298

8863

-14

28

46

67

VIII. Profit (Loss) during the year

4849

4962

-12

9

26

36

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Mashreqbank

Mizuho Corporate Bank

National Australia Bank

2011

2012

2011

2012

2011

2012

(49)

(50)

(51)

(52)

(53)

(54)

Income

           

I. Interest Earned

54

52

1544

2876

-

31

a) Interest/Discount earned on advances/bills

21

11

1279

2101

-

-

b) Income on investments

24

27

198

613

-

-

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

5

11

63

162

-

31

d) Others

4

2

5

1

-

-

II. Other Income

168

222

673

1075

-

-

a) Commission, exchange and brokerage

129

174

310

478

-

-

b) Net profit (loss) on sale of investments

-

-

-

-

-

-

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

-

-

-

e) Net profit (loss) on exchange transactions

21

41

364

596

-

-

f) Miscellaneous income

18

7

-

-

-

-

Total (I+II)

222

274

2217

3951

-

31

Expenditure & Provisions

           

III. Interest Expended

1

1

380

163

-

-

a) Interest on deposits

1

1

373

144

-

-

b) Interest on RBI/ Inter - bank borrowings

-

-

3

18

-

-

c) Others

-

-

4

-

-

-

IV. Operating Expenses

84

115

540

663

-

54

a) Payments to and provisions for employees

34

35

236

308

-

40

b) Rent, taxes and lighting

11

11

112

138

-

5

c) Printing and stationery

-

-

3

3

-

-

d) Advertisement and publicity

-

-

-

-

-

-

e) Depreciation on bank's property

3

5

78

71

-

2

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

-

-

2

1

-

1

h) Law charges

-

2

8

10

-

-

i) Postage, telegrams, telephones, etc

4

5

4

5

-

-

j) Repairs and maintenance

3

2

12

17

-

2

k) Insurance

-

-

13

8

-

-

l) Other expenditure

27

53

73

103

-

5

V. Net Interest Income (I-III)

53

51

1164

2714

-

31

VI. Provisions and Contingencies

59

62

567

1355

-

-

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

137

158

1297

3126

-

-24

VIII. Profit (Loss) during the year

78

96

730

1771

-

-24

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Oman International Bank

Rabobank International

Royal Bank of Scotland

2011

2012

2011

2012

2011

2012

(55)

(56)

(57)

(58)

(59)

(60)

Income

           

I. Interest Earned

147

175

-

253

18128

17907

a) Interest/Discount earned on advances/bills

1

4

-

63

9984

9778

b) Income on investments

64

54

-

156

6939

7427

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

82

117

-

8

21

323

d) Others

-

-

-

25

1184

379

II. Other Income

126

230

-

225

7864

8180

a) Commission, exchange and brokerage

4

4

-

143

4080

4586

b) Net profit (loss) on sale of investments

-

-22

-

-

-281

-414

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

-

-

354

e) Net profit (loss) on exchange transactions

5

11

-

81

2870

2861

f) Miscellaneous income

117

237

-

-

1195

793

Total (I+II)

273

405

-

478

25992

26087

Expenditure & Provisions

           

III. Interest Expended

83

95

-

1

7354

8658

a) Interest on deposits

79

90

-

1

5121

6545

b) Interest on RBI/ Inter - bank borrowings

4

5

-

-

1488

756

c) Others

-

-

-

-

744

1357

IV. Operating Expenses

72

79

-

352

10005

9033

a) Payments to and provisions for employees

23

27

-

160

3801

3291

b) Rent, taxes and lighting

5

5

-

11

910

1073

c) Printing and stationery

1

1

-

1

145

92

d) Advertisement and publicity

-

1

-

12

213

64

e) Depreciation on bank's property

12

14

-

6

364

295

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

1

1

-

2

8

8

h) Law charges

13

11

-

-

79

8

i) Postage, telegrams, telephones, etc

2

2

-

1

365

412

j) Repairs and maintenance

4

4

-

-

769

937

k) Insurance

2

2

-

-

177

151

l) Other expenditure

11

14

-

159

3174

2704

V. Net Interest Income (I-III)

64

80

-

252

10775

9249

VI. Provisions and Contingencies

3

63

-

109

6820

3598

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

118

232

-

125

8634

8395

VIII. Profit (Loss) during the year

115

168

-

16

1814

4798

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Sberbank

Shinhan Bank

Societe Generale

2011

2012

2011

2012

2011

2012

(61)

(62)

(63)

(64)

(65)

(66)

Income

           

I. Interest Earned

-

103

892

1451

1823

2216

a) Interest/Discount earned on advances/bills

-

-

459

777

419

833

b) Income on investments

-

-

126

228

1403

1349

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

-

103

307

446

-

1

d) Others

-

-

-

-

-

33

II. Other Income

-

-

132

173

370

86

a) Commission, exchange and brokerage

-

-

67

106

186

218

b) Net profit (loss) on sale of investments

-

-

1

-

-142

-144

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

-

-

-

e) Net profit (loss) on exchange transactions

-

-

61

65

-73

-13

f) Miscellaneous income

-

-

2

2

399

25

Total (I+II)

-

103

1024

1624

2192

2302

Expenditure & Provisions

           

III. Interest Expended

-

-

301

625

1121

1261

a) Interest on deposits

-

-

297

595

553

975

b) Interest on RBI/ Inter - bank borrowings

-

-

4

30

66

139

c) Others

-

-

-

-

502

147

IV. Operating Expenses

-

117

182

234

565

512

a) Payments to and provisions for employees

-

58

75

89

266

247

b) Rent, taxes and lighting

-

26

49

61

64

45

c) Printing and stationery

-

-

2

2

3

3

d) Advertisement and publicity

-

-

2

1

-

1

e) Depreciation on bank's property

-

5

10

22

49

49

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

-

2

-

-

2

2

h) Law charges

-

-

-

-

1

-

i) Postage, telegrams, telephones, etc

-

2

7

9

18

21

j) Repairs and maintenance

-

1

4

5

9

8

k) Insurance

-

-

4

12

10

13

l) Other expenditure

-

23

29

32

145

123

V. Net Interest Income (I-III)

-

103

591

827

701

954

VI. Provisions and Contingencies

-

-

287

327

297

209

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

-

-13

541

766

506

529

VIII. Profit (Loss) during the year

-

-13

254

439

210

319

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Sonali Bank

Standard Chartered Bank

State Bank of Mauritius

2011

2012

2011

2012

2011

2012

(67)

(68)

(69)

(70)

(71)

(72)

Income

           

I. Interest Earned

12

23

63524

79432

575

1241

a) Interest/Discount earned on advances/bills

6

17

44247

59158

411

727

b) Income on investments

5

5

18602

19884

142

381

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

1

1

344

337

7

10

d) Others

-

-

332

53

15

123

II. Other Income

44

59

24715

29882

55

125

a) Commission, exchange and brokerage

35

46

21419

20752

9

10

b) Net profit (loss) on sale of investments

-

-

-6232

-2578

-6

4

c) Net profit (loss) on revaluation of investments

-

-

927

1532

-

-

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

-

-

750

643

-

-

e) Net profit (loss) on exchange transactions

8

13

5512

5237

25

58

f) Miscellaneous income

1

1

2339

4296

26

52

Total (I+II)

56

83

88239

109315

630

1366

Expenditure & Provisions

           

III. Interest Expended

7

8

23506

36904

359

850

a) Interest on deposits

5

6

18406

30165

259

615

b) Interest on RBI/ Inter - bank borrowings

-

-

3590

1934

76

123

c) Others

2

3

1510

4805

23

112

IV. Operating Expenses

43

50

25969

27408

99

168

a) Payments to and provisions for employees

29

32

12607

13379

56

83

b) Rent, taxes and lighting

6

7

1542

1509

8

9

c) Printing and stationery

-

1

280

347

1

1

d) Advertisement and publicity

-

-

3168

3099

-

-

e) Depreciation on bank's property

1

1

592

939

7

10

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

-

-

7

7

1

1

h) Law charges

-

-

354

380

3

13

i) Postage, telegrams, telephones, etc

3

3

790

794

3

5

j) Repairs and maintenance

-

1

741

643

5

5

k) Insurance

-

-

771

657

4

9

l) Other expenditure

3

5

5118

5654

12

32

V. Net Interest Income (I-III)

5

15

40018

42529

216

391

VI. Provisions and Contingencies

4

14

18171

27645

96

236

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

6

25

38764

45003

172

348

VIII. Profit (Loss) during the year

2

10

20593

17358

76

112

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

UBS AG

United Overseas Bank

Woori Bank

2011

2012

2011

2012

2011

2012

(73)

(74)

(75)

(76)

(77)

(78)

Income

           

I. Interest Earned

1854

3656

64

103

-

42

a) Interest/Discount earned on advances/bills

266

737

-

-

-

-

b) Income on investments

1528

2853

-

-

-

-

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

61

66

64

103

-

42

d) Others

-

-

-

-

-

-

II. Other Income

566

-779

-

3

-

-

a) Commission, exchange and brokerage

4

1

-

3

-

-

b) Net profit (loss) on sale of investments

-202

-46

-

-

-

-

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

-

-

-

e) Net profit (loss) on exchange transactions

745

-842

-

-

-

-

f) Miscellaneous income

20

108

-

-

-

-

Total (I+II)

2420

2877

64

106

-

42

Expenditure & Provisions

           

III. Interest Expended

570

1239

-

-

-

-

a) Interest on deposits

386

523

-

-

-

-

b) Interest on RBI/ Inter - bank borrowings

184

716

-

-

-

-

c) Others

-

-

-

-

-

-

IV. Operating Expenses

1005

1025

67

85

-

26

a) Payments to and provisions for employees

606

594

25

31

-

7

b) Rent, taxes and lighting

157

157

27

31

-

8

c) Printing and stationery

2

2

-

-

-

-

d) Advertisement and publicity

-

-

-

-

-

1

e) Depreciation on bank's property

42

48

3

3

-

1

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

g) Auditors' fees and expenses

2

3

1

-

-

1

h) Law charges

-

-

-

-

-

1

i) Postage, telegrams, telephones, etc

15

20

-

-

-

1

j) Repairs and maintenance

59

49

-

1

-

-

k) Insurance

5

7

-

-

-

-

l) Other expenditure

119

147

11

18

-

7

V. Net Interest Income (I-III)

1284

2417

64

103

-

42

VI. Provisions and Contingencies

265

300

-

5

-

7

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

844

613

-3

21

-

15

VIII. Profit (Loss) during the year

579

312

-3

16

-

9

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(Amount in ` Million)

Items

Australia and New Zealand Banking Group

Industrial and Commercial Bank of China

2011

2012

2011

2012

(79)

(80)

(81)

(82)

Income

       

I. Interest Earned

-

944

-

247

a) Interest/Discount earned on advances/bills

-

231

-

12

b) Income on investments

-

254

-

-

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

-

459

-

235

d) Others

-

-

-

-

II. Other Income

-

705

-

30

a) Commission, exchange and brokerage

-

279

-

30

b) Net profit (loss) on sale of investments

-

-27

-

-

c) Net profit (loss) on revaluation of investments

-

-

-

-

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

-

-

-

-

e) Net profit (loss) on exchange transactions

-

104

-

-

f) Miscellaneous income

-

349

-

-

Total (I+II)

-

1649

-

277

Expenditure & Provisions

       

III. Interest Expended

-

405

-

-

a) Interest on deposits

-

369

-

-

b) Interest on RBI/ Inter - bank borrowings

-

36

-

-

c) Others

-

1

-

-

IV. Operating Expenses

-

1106

-

101

a) Payments to and provisions for employees

-

506

-

35

b) Rent, taxes and lighting

-

238

-

24

c) Printing and stationery

-

5

-

1

d) Advertisement and publicity

-

29

-

2

e) Depreciation on bank's property

-

84

-

7

f) Directors' fees, allowances and expenses

-

-

-

-

g) Auditors' fees and expenses

-

1

-

1

h) Law charges

-

46

-

-

i) Postage, telegrams, telephones, etc

-

6

-

4

j) Repairs and maintenance

-

2

-

-

k) Insurance

-

6

-

-

l) Other expenditure

-

183

-

28

V. Net Interest Income (I-III)

-

539

-

247

VI. Provisions and Contingencies

-

128

-

77

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

-

137

-

176

VIII. Profit (Loss) during the year

-

9

-

99

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(Amount in ` Million)

Items

Allahabad Bank

Andhra Bank

Bank of Baroda

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

Income

           

I. Interest Earned

110147

155233

82913

113387

218859

296737

a) Interest/Discount earned on advances/bills

82742

116641

66892

92782

161838

223694

b) Income on investments

26703

37164

15396

19735

47748

61847

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

547

1229

308

751

4945

8374

d) Others

156

199

317

118

4329

2822

II. Other Income

13704

12987

8970

8599

28092

34223

a) Commission, exchange and brokerage

7837

8380

2377

2640

10206

12261

b) Net profit (loss) on sale of investments

1615

1229

1408

1209

4437

6067

c) Net profit (loss) on revaluation of investments

-12

-97

-

-

-

-

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

-

-

9

10

-2

8

e) Net profit (loss) on exchange transactions

730

1147

944

613

5148

6861

f) Miscellaneous income

3534

2327

4233

4127

8302

9027

Total (I+II)

123851

168220

91882

121987

246951

330961

Expenditure & Provisions

           

III. Interest Expended

69922

103606

50703

75794

130837

193567

a) Interest on deposits

64983

97429

45656

69460

118626

177707

b) Interest on RBI/ Inter - bank borrowings

482

1596

2255

3541

3453

6311

c) Others

4457

4582

2792

2792

8757

9548

IV. Operating Expenses

23383

26914

17049

18042

46298

51587

a) Payments to and provisions for employees

15576

18345

11042

11499

29168

29856

b) Rent, taxes and lighting

2018

2314

1121

1225

3571

4157

c) Printing and stationery

220

235

172

170

325

388

d) Advertisement and publicity

358

274

98

75

575

582

e) Depreciation on bank's property

664

735

1074

939

2430

2766

f) Directors' fees, allowances and expenses

12

10

7

7

9

12

g) Auditors' fees and expenses

179

176

179

148

389

396

h) Law charges

136

201

121

145

189

221

i) Postage, telegrams, telephones, etc

245

194

274

287

881

993

j) Repairs and maintenance

413

547

635

712

1104

1689

k) Insurance

999

1254

725

851

2297

2772

l) Other expenditure

2563

2629

1601

1984

5361

7755

V. Net Interest Income (I-III)

40225

51626

32210

37593

88023

103170

VI. Provisions and Contingencies

16315

19032

11460

14703

27399

35737

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

30546

37699

24131

28150

69816

85806

VIII. Profit (Loss) during the year

14231

18668

12671

13447

42417

50070

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(Amount in ` Million)

Items

Bank of India

Bank of Maharashtra

Canara Bank

2011

2012

2011

2012

2011

2012

(7)

(8)

(9)

(10)

(11)

(12)

Income

           

I. Interest Earned

217517

284807

55631

72140

229401

308506

a) Interest/Discount earned on advances/bills

155002

202406

40061

54906

170518

234434

b) Income on investments

51717

71418

15203

17086

56412

70447

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

7854

8340

251

15

2462

3622

d) Others

2943

2643

115

132

9

3

II. Other Income

26418

33212

5309

6407

28115

29276

a) Commission, exchange and brokerage

11811

12715

3130

4551

7558

7969

b) Net profit (loss) on sale of investments

3218

4088

626

121

2363

3237

c) Net profit (loss) on revaluation of investments

-

-

-

-

-155

-222

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

-

8

2

1

4

10

e) Net profit (loss) on exchange transactions

5025

5894

314

437

3814

4350

f) Miscellaneous income

6364

10508

1235

1296

14530

13932

Total (I+II)

243935

318018

60939

78546

257515

337782

Expenditure & Provisions

           

III. Interest Expended

139410

201672

35947

46969

152407

231613

a) Interest on deposits

121786

179570

32827

42938

142415

219622

b) Interest on RBI/ Inter - bank borrowings

8129

11453

444

1201

3344

4300

c) Others

9496

10649

2676

2830

6649

7691

IV. Operating Expenses

50682

49407

16442

16425

44193

46737

a) Payments to and provisions for employees

34754

30534

11571

11130

29548

29731

b) Rent, taxes and lighting

2768

3435

990

1159

3463

3973

c) Printing and stationery

457

545

141

142

375

304

d) Advertisement and publicity

586

640

188

179

244

267

e) Depreciation on bank's property

1406

1668

679

657

1514

1569

f) Directors' fees, allowances and expenses

1

1

8

7

7

12

g) Auditors' fees and expenses

358

376

142

119

298

343

h) Law charges

158

185

53

87

286

274

i) Postage, telegrams, telephones, etc

398

435

205

225

308

371

j) Repairs and maintenance

453

459

304

337

1176

1498

k) Insurance

1886

2383

659

692

2325

2856

l) Other expenditure

7458

8745

1505

1691

4650

5540

V. Net Interest Income (I-III)

78107

83134

19684

25171

76993

76893

VI. Provisions and Contingencies

28955

40164

5246

10844

20656

26605

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

53842

66939

8550

15152

60915

59432

VIII. Profit (Loss) during the year

24887

26775

3304

4308

40259

32827

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(Amount in ` Million)

Items

Central Bank of India

Corporation Bank

Dena Bank

2011

2012

2011

2012

2011

2012

(13)

(14)

(15)

(16)

(17)

(18)

Income

           

I. Interest Earned

152206

191495

91352

130178

50335

67941

a) Interest/Discount earned on advances/bills

112538

144205

64752

95632

38204

51612

b) Income on investments

37671

43473

23277

30703

11927

15444

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

334

3393

149

355

163

380

d) Others

1663

423

3175

3487

41

505

II. Other Income

12650

13953

12559

14926

5338

5822

a) Commission, exchange and brokerage

6205

6635

3533

3949

1428

1592

b) Net profit (loss) on sale of investments

3119

3201

2095

3650

240

347

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-1

-4

-3

-14

-4

-3

e) Net profit (loss) on exchange transactions

561

1868

1076

1495

524

822

f) Miscellaneous income

2766

2253

5858

5847

3150

3064

Total (I+II)

164856

205448

103911

145104

55674

73763

Expenditure & Provisions

           

III. Interest Expended

98952

139809

61955

98709

32702

46931

a) Interest on deposits

90626

129961

53335

90193

31174

45282

b) Interest on RBI/ Inter - bank borrowings

1444

1491

1598

2362

80

178

c) Others

6882

8357

7021

6154

1448

1472

IV. Operating Expenses

39990

37490

16417

17836

10734

11547

a) Payments to and provisions for employees

29642

25062

8949

9132

6882

7147

b) Rent, taxes and lighting

1915

2568

1372

1606

809

978

c) Printing and stationery

216

265

147

156

118

125

d) Advertisement and publicity

969

352

243

213

164

83

e) Depreciation on bank's property

1187

1435

693

798

306

356

f) Directors' fees, allowances and expenses

13

9

11

8

10

17

g) Auditors' fees and expenses

225

205

130

160

94

102

h) Law charges

149

116

25

20

49

57

i) Postage, telegrams, telephones, etc

353

394

348

371

286

322

j) Repairs and maintenance

649

833

334

365

166

183

k) Insurance

1557

1646

793

973

564

674

l) Other expenditure

3114

4604

3371

4033

1287

1505

V. Net Interest Income (I-III)

53253

51686

29397

31469

17634

21010

VI. Provisions and Contingencies

13390

22819

11406

13499

6122

7253

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

25914

28149

25539

28560

12238

15284

VIII. Profit (Loss) during the year

12524

5330

14133

15060

6116

8031

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(Amount in ` Million)

Items

IDBI Bank Ltd.

Indian Bank

Indian Overseas Bank

2011

2012

2011

2012

2011

2012

(19)

(20)

(21)

(22)

(23)

(24)

Income

           

I. Interest Earned

185412

233699

93610

122313

121015

178971

a) Interest/Discount earned on advances/bills

137536

179715

70976

94239

88486

135899

b) Income on investments

47519

52907

22303

27903

29655

39414

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

177

462

332

171

2620

3225

d) Others

180

615

-

-

254

433

II. Other Income

21432

21188

11819

12322

12251

16810

a) Commission, exchange and brokerage

15518

15308

3355

2685

6892

8999

b) Net profit (loss) on sale of investments

1428

1880

1484

1073

1086

1714

c) Net profit (loss) on revaluation of investments

-199

-326

-

-

-529

-350

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

-27

-15

11

-3

10

25

e) Net profit (loss) on exchange transactions

1898

1724

1472

1738

1570

2246

f) Miscellaneous income

2815

2618

5496

6829

3223

4177

Total (I+II)

206845

254887

105429

134635

133266

195781

Expenditure & Provisions

           

III. Interest Expended

142719

188251

53249

78133

78934

128809

a) Interest on deposits

99887

140277

51332

74606

67533

112343

b) Interest on RBI/ Inter - bank borrowings

9782

13688

1755

3329

11400

16465

c) Others

33050

34286

162

198

1

1

IV. Operating Expenses

22547

26075

19263

21870

25725

31631

a) Payments to and provisions for employees

10265

11604

13327

14840

17411

20830

b) Rent, taxes and lighting

2078

2244

1311

1568

2388

3010

c) Printing and stationery

354

418

194

217

169

194

d) Advertisement and publicity

464

262

103

96

232

389

e) Depreciation on bank's property

1270

1161

716

892

1050

1111

f) Directors' fees, allowances and expenses

3

3

4

6

10

14

g) Auditors' fees and expenses

18

23

159

172

226

250

h) Law charges

73

88

66

94

91

35

i) Postage, telegrams, telephones, etc

511

743

108

140

202

378

j) Repairs and maintenance

957

1383

419

524

91

104

k) Insurance

1513

1643

833

1001

1199

1633

l) Other expenditure

5040

6501

2022

2320

2654

3682

V. Net Interest Income (I-III)

42693

45448

40361

44180

42080

50162

VI. Provisions and Contingencies

25075

20246

15776

17162

17881

24840

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

41578

40562

32917

34632

28606

35341

VIII. Profit (Loss) during the year

16503

20316

17141

17470

10725

10501

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(Amount in ` Million)

Items

Oriental Bank of Commerce

Punjab and Sind Bank

Punjab National Bank

2011

2012

2011

2012

2011

2012

(25)

(26)

(27)

(28)

(29)

(30)

Income

           

I. Interest Earned

120878

158149

49325

64745

269865

364280

a) Interest/Discount earned on advances/bills

89539

120746

36057

49524

211045

284467

b) Income on investments

30974

36709

12786

14697

56375

76923

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

120

342

164

306

842

2125

d) Others

245

351

319

218

1602

765

II. Other Income

9601

12402

4371

4175

36126

42026

a) Commission, exchange and brokerage

6349

7258

641

747

20452

23748

b) Net profit (loss) on sale of investments

754

1703

752

548

2992

3469

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-4

28

1

-

31

42

e) Net profit (loss) on exchange transactions

1233

1775

461

421

3787

5779

f) Miscellaneous income

1268

1639

2517

2459

8865

8988

Total (I+II)

130479

170551

53696

68920

305991

406306

Expenditure & Provisions

           

III. Interest Expended

79103

115991

33721

49734

151791

230136

a) Interest on deposits

74744

112130

31223

46753

137954

213965

b) Interest on RBI/ Inter - bank borrowings

230

377

944

1227

2576

4175

c) Others

4129

3484

1554

1754

11261

11996

IV. Operating Expenses

18925

23155

9840

11585

63642

70028

a) Payments to and provisions for employees

10485

13568

7559

8324

44611

47235

b) Rent, taxes and lighting

2069

2343

423

539

3076

3631

c) Printing and stationery

227

275

78

83

510

595

d) Advertisement and publicity

91

158

38

69

397

372

e) Depreciation on bank's property

918

1042

278

438

2558

2923

f) Directors' fees, allowances and expenses

5

7

3

2

15

12

g) Auditors' fees and expenses

273

193

68

67

436

523

h) Law charges

196

221

98

85

169

217

i) Postage, telegrams, telephones, etc

320

307

64

84

1033

1056

j) Repairs and maintenance

265

300

95

113

847

1008

k) Insurance

1417

1482

491

561

2616

3159

l) Other expenditure

2662

3258

646

1220

7375

9296

V. Net Interest Income (I-III)

41775

42158

15604

15011

118073

134144

VI. Provisions and Contingencies

17423

19990

4873

3087

46222

57301

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

32451

31406

10135

7600

90557

106143

VIII. Profit (Loss) during the year

15029

11416

5262

4513

44335

48842

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(Amount in ` Million)

Items

Syndicate Bank

UCO Bank

Union Bank of India

2011

2012

2011

2012

2011

2012

(31)

(32)

(33)

(34)

(35)

(36)

Income

           

I. Interest Earned

114509

152684

113708

146324

164526

211443

a) Interest/Discount earned on advances/bills

91972

123713

85054

113830

120312

160266

b) Income on investments

22077

27360

27001

31563

40027

45701

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

107

1507

1242

547

1611

3309

d) Others

352

104

410

383

2576

2167

II. Other Income

9151

10759

9254

9656

20388

23324

a) Commission, exchange and brokerage

4422

5514

2509

2379

3649

3651

b) Net profit (loss) on sale of investments

352

888

917

1958

4644

4408

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-3

-2

1

9

-4

-7

e) Net profit (loss) on exchange transactions

979

1166

1128

1153

4290

4888

f) Miscellaneous income

3400

3193

4700

4156

7808

10384

Total (I+II)

123660

163442

122962

155979

184914

234767

Expenditure & Provisions

           

III. Interest Expended

70681

101833

75259

107303

102364

142354

a) Interest on deposits

61933

93263

68424

99482

95379

134058

b) Interest on RBI/ Inter - bank borrowings

1113

802

1808

2755

1134

1409

c) Others

7635

7769

5026

5066

5850

6887

IV. Operating Expenses

25481

28141

20754

20562

39500

39875

a) Payments to and provisions for employees

17733

18915

14801

13831

25997

24793

b) Rent, taxes and lighting

1479

1675

1057

1228

2352

2641

c) Printing and stationery

141

156

214

267

336

374

d) Advertisement and publicity

186

146

217

240

941

674

e) Depreciation on bank's property

710

660

806

781

1557

1465

f) Directors' fees, allowances and expenses

4

9

7

8

16

19

g) Auditors' fees and expenses

204

236

235

247

214

231

h) Law charges

77

67

62

132

103

146

i) Postage, telegrams, telephones, etc

183

287

348

372

433

497

j) Repairs and maintenance

628

946

65

66

560

701

k) Insurance

1048

1251

1009

1151

1759

1943

l) Other expenditure

3087

3793

1933

2239

5233

6391

V. Net Interest Income (I-III)

43828

50850

38449

39021

62162

69089

VI. Provisions and Contingencies

17018

20334

17884

17027

22230

34666

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

27498

33468

26950

28114

43050

52538

VIII. Profit (Loss) during the year

10479

13134

9065

11087

20819

17871

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(Amount in ` Million)

Items

United Bank of India

Vijaya Bank

2011

2012

2011

2012

(37)

(38)

(39)

(40)

Income

       

I. Interest Earned

63415

79611

58441

79881

a) Interest/Discount earned on advances/bills

46339

60337

41919

60501

b) Income on investments

16729

18784

16110

18720

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

99

155

13

3

d) Others

247

335

399

657

II. Other Income

6371

7329

5332

5279

a) Commission, exchange and brokerage

1741

1830

857

891

b) Net profit (loss) on sale of investments

1984

2175

1175

981

c) Net profit (loss) on revaluation of investments

-

-

-

-

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

5

1

-2

3

e) Net profit (loss) on exchange transactions

239

569

395

588

f) Miscellaneous income

2402

2755

2907

2816

Total (I+II)

69785

86940

63772

85160

Expenditure & Provisions

       

III. Interest Expended

41721

54819

38973

60846

a) Interest on deposits

38496

51006

36372

58048

b) Interest on RBI/ Inter - bank borrowings

662

839

5

118

c) Others

2564

2973

2595

2680

IV. Operating Expenses

12994

13833

14333

12010

a) Payments to and provisions for employees

8144

8912

10104

7399

b) Rent, taxes and lighting

890

938

891

1003

c) Printing and stationery

193

256

80

88

d) Advertisement and publicity

90

71

113

74

e) Depreciation on bank's property

1003

697

462

400

f) Directors' fees, allowances and expenses

9

10

6

7

g) Auditors' fees and expenses

108

107

114

124

h) Law charges

22

27

6

6

i) Postage, telegrams, telephones, etc

183

175

145

142

j) Repairs and maintenance

86

108

16

19

k) Insurance

681

725

623

732

l) Other expenditure

1585

1808

1773

2015

V. Net Interest Income (I-III)

21693

24792

19468

19035

VI. Provisions and Contingencies

9830

11963

5229

6495

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

15070

18288

10467

12305

VIII. Profit (Loss) during the year

5240

6325

5238

5810

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NEW PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

Axis Bank

Development Credit Bank

HDFC Bank

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

Income

           

I. Interest Earned

151548

219946

5363

7170

199282

272864

a) Interest/Discount earned on advances/bills

104031

153794

4027

5362

150850

205366

b) Income on investments

44387

63943

1320

1725

46754

65046

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

1826

984

16

72

1481

1371

d) Others

1304

1226

-

10

197

1080

II. Other Income

46321

54202

1121

1027

43352

52437

a) Commission, exchange and brokerage

33574

43417

661

787

35967

42755

b) Net profit (loss) on sale of investments

3663

728

253

118

-837

-1062

c) Net profit (loss) on revaluation of investments

-

-

-

-

311

-897

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

-70

203

11

-28

-8

15

e) Net profit (loss) on exchange transactions

5636

6740

90

69

9208

12654

f) Miscellaneous income

3518

3114

106

82

-1290

-1028

Total (I+II)

197869

274149

6484

8197

242634

325300

Expenditure & Provisions

           

III. Interest Expended

85918

139769

3471

4893

93851

149896

a) Interest on deposits

74985

121836

2917

4081

80283

126897

b) Interest on RBI/ Inter - bank borrowings

1610

2320

421

712

13364

22529

 c) Others

9323

15613

134

100

203

470

IV. Operating Expenses

47794

60071

2152

2466

71529

85901

a) Payments to and provisions for employees

16139

20802

1064

1246

28360

33999

b) Rent, taxes and lighting

6798

6564

302

327

6263

7161

c) Printing and stationery

1096

935

26

28

2228

2339

d) Advertisement and publicity

790

881

12

13

1589

1525

e) Depreciation on bank's property

2896

3422

131

120

4974

5425

f) Directors' fees, allowances and expenses

6

8

5

6

5

4

g) Auditors' fees and expenses

8

9

6

6

10

12

h) Law charges

134

183

11

11

315

317

i) Postage, telegrams, telephones, etc

1985

2587

39

41

3002

3530

j) Repairs and maintenance

3839

5295

56

67

5085

6184

k) Insurance

1849

2313

54

60

1988

2418

l) Other expenditure

12254

17071

445

541

17710

22985

V. Net Interest Income (I-III)

65630

80177

1891

2277

105431

122968

VI. Provisions and Contingencies

30272

31887

646

287

37990

37833

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

64157

74309

861

838

77254

89504

VIII. Profit (Loss) during the year

33885

42422

214

551

39264

51671

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NEW PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

ICICI Bank

IndusInd Bank

Kotak Mahindra Bank

2011

2012

2011

2012

2011

2012

(7)

(8)

(9)

(10)

(11)

(12)

Income

           

I. Interest Earned

259741

335427

35894

53592

41898

61802

a) Interest/Discount earned on advances/bills

164248

221299

28346

42166

32143

48674

b) Income on investments

79052

96840

7333

10782

9572

13064

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

3668

4911

106

239

172

41

d) Others

12773

12376

108

405

10

24

II. Other Income

66479

75028

7137

10118

7805

9773

a) Commission, exchange and brokerage

55146

54351

2570

2837

4665

5781

b) Net profit (loss) on sale of investments

2176

3314

404

577

910

816

c) Net profit (loss) on revaluation of investments

-4610

-4053

-

-

-

-

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

412

-17

-29

6

-

6

e) Net profit (loss) on exchange transactions

9169

12590

1542

2378

73

1194

f) Miscellaneous income

4186

8843

2650

4320

2157

1977

Total (I+II)

326219

410454

43030

63710

49703

71576

Expenditure & Provisions

           

III. Interest Expended

169572

228085

22129

36549

20922

36677

a) Interest on deposits

100709

143041

18285

30763

14975

25041

b) Interest on RBI/ Inter - bank borrowings

12482

14692

845

1949

3485

7749

c) Others

56381

70352

2999

3838

2461

3888

IV. Operating Expenses

66172

78504

10085

13430

15533

18348

a) Payments to and provisions for employees

28169

35153

3826

4855

7838

9024

b) Rent, taxes and lighting

6537

6756

893

1096

1507

1740

c) Printing and stationery

933

1001

182

245

273

273

d) Advertisement and publicity

1488

1325

165

162

440

564

e) Depreciation on bank's property

5624

5245

605

750

983

1168

f) Directors' fees, allowances and expenses

5

4

7

7

2

2

g) Auditors' fees and expenses

22

25

11

9

13

14

h) Law charges

422

375

186

271

167

116

i) Postage, telegrams, telephones, etc

1638

1903

394

457

389

427

j) Repairs and maintenance

5045

5630

524

748

784

958

k) Insurance

2064

2235

332

390

241

286

l) Other expenditure

14225

18853

2960

4441

2896

3777

V. Net Interest Income (I-III)

90169

107342

13765

17042

20976

25125

VI. Provisions and Contingencies

38962

39212

5043

5704

5066

5700

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

90475

103865

10817

13730

13248

16550

VIII. Profit (Loss) during the year

51514

64653

5773

8026

8182

10851

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

NEW PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

Yes Bank

2011

2012

(13)

(14)

Income

   

I. Interest Earned

40417

63074

a) Interest/Discount earned on advances/bills

29891

44268

 b) Income on investments

10273

18470

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

188

233

d) Others

66

103

II. Other Income

6233

8571

a) Commission, exchange and brokerage

5870

7677

b) Net profit (loss) on sale of investments

-464

379

c) Net profit (loss) on revaluation of investments

-

-

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

-4

-14

e) Net profit (loss) on exchange transactions

686

268

f) Miscellaneous income

145

262

Total (I+II)

46650

71645

Expenditure & Provisions

   

III. Interest Expended

27948

46917

a) Interest on deposits

22942

38434

b) Interest on RBI/ Inter - bank borrowings

4588

8224

c) Others

419

259

IV. Operating Expenses

6798

9325

a) Payments to and provisions for employees

3623

4751

b) Rent, taxes and lighting

867

1255

c) Printing and stationery

59

81

d) Advertisement and publicity

206

103

e) Depreciation on bank's property

348

408

f) Directors' fees, allowances and expenses

4

5

g) Auditors' fees and expenses

6

6

h) Law charges

8

11

i) Postage, telegrams, telephones, etc

88

124

j) Repairs and maintenance

38

76

k) Insurance

275

382

l) Other expenditure

1275

2123

V. Net Interest Income (I-III)

12469

16156

VI. Provisions and Contingencies

4633

5632

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

11904

15402

VIII. Profit (Loss) during the year

7271

9770

Source : Annual accounts of banks 


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

STATE BANK OF INDIA & ITS ASSOCIATES

(Amount in ` Million)

Items

State Bank of India

State Bank of Bikaner & Jaipur

State Bank of Hyderabad

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

Income

           

I. Interest Earned

813944

1065215

47965

62914

78513

106467

a) Interest/Discount earned on advances/bills

599760

810777

37722

50779

58843

81770

b) Income on investments

198264

239491

9907

11655

18395

22632

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

2357

3505

186

189

970

1341

d) Others

13563

11441

150

290

306

723

II. Other Income

158246

143514

6397

5990

9838

10243

a) Commission, exchange and brokerage

115633

120909

5257

5512

7362

7434

b) Net profit (loss) on sale of investments

9257

-9197

412

286

1632

1665

c) Net profit (loss) on revaluation of investments

-47

-

-

-

-

-

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

-185

-441

-

-

-25

-20

e) Net profit (loss) on exchange transactions

14640

14322

422

36

575

790

f) Miscellaneous income

18948

17922

306

156

293

375

Total (I+II)

972190

1208729

54362

68903

88350

116710

Expenditure & Provisions

           

III. Interest Expended

488680

632304

30268

40700

50028

72822

a) Interest on deposits

432348

556444

28479

38387

46274

68201

b) Interest on RBI/ Inter - bank borrowings

25617

38856

318

799

368

497

c) Others

30715

37004

1470

1513

3386

4123

IV. Operating Expenses

230154

260690

12692

13308

15128

17358

a) Payments to and provisions for employees

152116

169740

8270

8198

10390

11513

b) Rent, taxes and lighting

17945

20654

839

1089

1435

1704

c) Printing and stationery

2554

2765

165

192

164

188

d) Advertisement and publicity

2579

2066

57

91

183

216

e) Depreciation on bank's property

9905

10072

574

538

627

731

f) Directors' fees, allowances and expenses

7

5

3

4

2

2

g) Auditors' fees and expenses

1243

1285

114

129

146

157

h) Law charges

1185

1173

29

31

25

30

i) Postage, telegrams, telephones, etc

3634

4333

187

214

94

106

j) Repairs and maintenance

3742

3733

176

138

71

127

k) Insurance

8009

9635

412

479

739

871

l) Other expenditure

27235

35230

1866

2204

1252

1713

V. Net Interest Income (I-III)

325264

432911

17697

22214

28485

33645

VI. Provisions and Contingencies

170711

198662

5894

8376

11532

13547

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

253356

315735

11402

14896

23195

26530

VIII. Profit (Loss) during the year

82645

117073

5509

6520

11662

12983

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

STATE BANK OF INDIA & ITS ASSOCIATES

(Amount in ` Million)

Items

State Bank of Mysore

State Bank of Patiala

State Bank of Travancore

2011

2012

2011

2012

2011

2012

(7)

(8)

(9)

(10)

(11)

(12)

Income

           

I. Interest Earned

40791

50784

64781

81211

52288

68288

a) Interest/Discount earned on advances/bills

32007

40633

50435

64304

40279

52972

b) Income on investments

8646

10002

13022

14934

11487

13789

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

86

146

1280

1790

58

184

d) Others

52

3

44

183

464

1343

II. Other Income

4552

5164

7555

7510

5812

6483

a) Commission, exchange and brokerage

3682

3996

6167

5854

3692

3999

b) Net profit (loss) on sale of investments

136

386

551

711

983

1342

c) Net profit (loss) on revaluation of investments

-

-

-2

-

-

-

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

2

-

-

-

-4

-9

e) Net profit (loss) on exchange transactions

464

326

527

528

403

425

f) Miscellaneous income

268

456

313

418

739

726

Total (I+II)

45343

55948

72337

88721

58100

74770

Expenditure & Provisions

           

III. Interest Expended

24431

34941

41446

57762

35327

49984

a) Interest on deposits

22222

32209

38069

52876

31230

43674

b) Interest on RBI/ Inter - bank borrowings

958

1461

356

512

617

670

c) Others

1251

1271

3022

4374

3481

5639

IV. Operating Expenses

9174

10411

13298

13331

11013

12299

a) Payments to and provisions for employees

5484

6206

8810

8300

7004

7878

b) Rent, taxes and lighting

848

927

1041

1234

861

962

c) Printing and stationery

117

132

83

94

88

99

d) Advertisement and publicity

61

61

101

121

79

72

e) Depreciation on bank's property

495

500

455

482

469

502

f) Directors' fees, allowances and expenses

2

2

2

5

4

4

g)  Auditors' fees and expenses

101

106

116

113

120

130

h) Law charges

47

77

38

43

69

72

i) Postage, telegrams, telephones, etc

36

82

121

128

71

59

j) Repairs and maintenance

40

55

192

209

137

145

k) Insurance

360

397

618

620

517

619

l) Other expenditure

1584

1866

1720

1983

1593

1754

V. Net Interest Income (I-III)

16360

15843

23335

23449

16960

18304

VI. Provisions and Contingencies

6731

6905

11063

9665

4482

7383

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

11737

10596

17592

17629

11760

12488

VIII. Profit (Loss) during the year

5006

3691

6530

7964

7277

5105

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

Catholic Syrian Bank

City Union Bank

Dhanlaxmi Bank

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

Income

           

I. Interest Earned

7621

10756

12184

16968

9064

13937

a) Interest/Discount earned on advances/bills

6007

8615

9654

13886

6991

10754

b) Income on investments

1553

2009

2451

3036

2017

3136

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

50

74

78

46

56

44

d) Others

11

58

1

-

-

3

II. Other Income

745

852

1574

2071

1468

1436

a) Commission, exchange and brokerage

166

173

303

345

87

85

b) Net profit (loss) on sale of investments

52

53

66

78

97

89

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

6

13

2

2

5

10

e) Net profit (loss) on exchange transactions

98

114

106

152

57

119

f) Miscellaneous income

423

500

1097

1495

1222

1133

Total (I+II)

8366

11609

13758

19039

10532

15373

Expenditure & Provisions

           

III. Interest Expended

5140

7686

7984

11970

6413

11461

a) Interest on deposits

4963

7380

7802

11665

5842

10156

b) Interest on RBI/ Inter - bank borrowings

32

66

95

177

327

851

c) Others

145

240

87

129

243

454

IV. Operating Expenses

2890

2988

2164

2798

3445

4891

a) Payments to and provisions for employees

2123

2132

1016

1223

2015

2740

b) Rent, taxes and lighting

230

255

253

394

459

402

c) Printing and stationery

25

29

46

74

51

63

d) Advertisement and publicity

13

24

114

196

61

108

e) Depreciation on bank's property

105

86

168

136

156

295

f) Directors' fees, allowances and expenses

6

7

3

4

3

2

g) Auditors' fees and expenses

9

11

8

11

6

5

h) Law charges

8

7

1

2

3

6

i) Postage, telegrams, telephones, etc

46

49

56

60

122

157

j) Repairs and maintenance

59

59

122

149

21

33

k) Insurance

75

93

115

146

79

146

l) Other expenditure

192

235

261

405

469

933

V. Net Interest Income (I-III)

2482

3070

4200

4998

2651

2475

VI. Provisions and Contingencies

214

676

1460

1468

414

177

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

336

935

3610

4271

674

-979

VIII. Profit (Loss) during the year

122

259

2151

2803

261

-1156

Source : Annual accounts of banks 


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

Federal Bank

ING Vysya Bank

Jammu & Kashmir Bank

2011

2012

2011

2012

2011

2012

(7)

(8)

(9)

(10)

(11)

(12)

Income

           

I. Interest Earned

40520

55584

26941

38568

37131

48356

a) Interest/Discount earned on advances/bills

31688

41898

20326

28678

26296

33937

b) Income on investments

8680

13157

6463

9819

10661

14033

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

106

349

21

6

174

387

d) Others

46

180

131

65

-

-

II. Other Income

5168

5323

6550

6698

3648

3341

a) Commission, exchange and brokerage

2502

2516

4189

4690

1272

1291

b) Net profit (loss) on sale of investments

458

821

819

123

924

359

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

3

3

151

8

-

-

e) Net profit (loss) on exchange transactions

572

842

1021

1471

188

220

f) Miscellaneous income

1633

1142

369

406

1264

1471

Total (I+II)

45688

60907

33490

45266

40779

51697

Expenditure & Provisions

           

III. Interest Expended

23054

36050

16875

26485

21695

29972

a) Interest on deposits

21620

33313

13567

21530

20692

29018

b) Interest on RBI/ Inter - bank borrowings

99

485

478

2467

463

415

c) Others

1336

2252

2830

2487

540

540

IV. Operating Expenses

8361

9793

10260

11102

7589

8022

a) Payments to and provisions for employees

4804

5439

6057

6510

5236

5214

b) Rent, taxes and lighting

796

948

814

978

379

412

c) Printing and stationery

102

104

109

130

51

66

d) Advertisement and publicity

181

161

26

44

60

70

e) Depreciation on bank's property

543

567

477

498

379

440

f) Directors' fees, allowances and expenses

7

7

5

5

6

5

g) Auditors' fees and expenses

28

30

7

6

68

85

h) Law charges

54

50

38

31

8

9

i) Postage, telegrams, telephones, etc

189

276

208

214

58

59

j) Repairs and maintenance

230

373

277

313

50

93

k) Insurance

358

435

258

305

296

349

l) Other expenditure

1069

1403

1985

2067

999

1219

V. Net Interest Income (I-III)

17466

19534

10065

12084

15437

18384

VI. Provisions and Contingencies

8402

7297

3168

3116

5343

5671

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

14273

15065

6355

7679

11495

13703

VIII. Profit (Loss) during the year

5871

7768

3186

4563

6152

8033

Source : Annual accounts of banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

Karnataka Bank

Karur Vysya Bank

Lakshmi Vilas Bank

2011

2012

2011

2012

2011

2012

(13)

(14)

(15)

(16)

(17)

(18)

Income

           

I. Interest Earned

23708

31129

22177

32704

10648

15193

a) Interest/Discount earned on advances/bills

17076

23738

16831

25382

8339

11866

b) Income on investments

6422

7363

5236

7162

2298

3242

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

6

10

2

90

12

38

d) Others

204

18

109

69

-

47

II. Other Income

2918

3344

2643

3501

1370

1579

a) Commission, exchange and brokerage

1623

1741

1825

2274

718

669

b) Net profit (loss) on sale of investments

443

502

377

262

84

44

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

7

29

6

3

1

-1

e) Net profit (loss) on exchange transactions

276

383

141

368

110

123

f) Miscellaneous income

569

688

294

595

457

744

Total (I+II)

26626

34473

24820

36205

12019

16772

Expenditure & Provisions

           

III. Interest Expended

17584

23689

14508

23532

6998

11480

a) Interest on deposits

16847

22688

13986

22032

6662

10606

b) Interest on RBI/ Inter - bank borrowings

58

208

221

641

337

874

c) Others

679

793

302

860

-

-

IV. Operating Expenses

5490

5682

4306

5416

2281

2937

a) Payments to and provisions for employees

3451

3250

2295

2644

1163

1412

b) Rent, taxes and lighting

642

785

361

479

223

318

c) Printing and stationery

42

49

53

65

22

29

d) Advertisement and publicity

29

55

193

230

42

56

e) Depreciation on bank's property

230

219

301

385

202

236

f) Directors' fees, allowances and expenses

5

7

6

7

6

6

g) Auditors' fees and expenses

12

16

11

14

7

8

h) Law charges

14

18

9

12

9

14

i) Postage, telegrams, telephones, etc

76

81

134

160

59

58

j) Repairs and maintenance

128

146

105

121

12

18

k) Insurance

276

303

198

253

95

117

l) Other expenditure

583

755

641

1046

442

664

V. Net Interest Income (I-III)

6125

7440

7669

9171

3650

3712

VI. Provisions and Contingencies

1507

2641

1850

2240

1727

1284

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

3553

5102

6006

7257

2739

2354

VIII. Profit (Loss) during the year

2046

2461

4156

5017

1011

1070

Source : Annual accounts of banks 


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

 

Nainital Bank

Ratnakar Bank

SBI Comm. & Intl. Bank #

2011

2012

2011

2012

2011

2012

(19)

(20)

(21)

(22)

(23)

(24)

Income

           

I. Interest Earned

2568

3419

1892

4651

363

-

a) Interest/Discount earned on advances/bills

1614

2215

1341

3474

203

-

b) Income on investments

576

745

440

1094

155

-

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

372

449

110

77

4

-

d) Others

7

10

-

5

1

-

II. Other Income

113

224

186

671

54

-

a) Commission, exchange and brokerage

20

29

51

78

21

-

b) Net profit (loss) on sale of investments

-1

83

-4

43

30

-

c) Net profit (loss) on revaluation of investments

-

-

-

-

-

-

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

-

-

-

21

-

-

e) Net profit (loss) on exchange transactions

-

-

-

2

-8

-

f) Miscellaneous income

94

112

138

527

11

-

Total (I+II)

2681

3642

2078

5322

418

-

Expenditure & Provisions

           

III. Interest Expended

1407

2011

940

2783

261

-

a) Interest on deposits

1402

2008

936

2458

261

-

b) Interest on RBI/ Inter - bank borrowings

5

2

4

258

0

-

c) Others

1

1

1

67

-

-

IV. Operating Expenses

559

723

945

1391

104

-

a) Payments to and provisions for employees

349

493

723

841

46

-

b) Rent, taxes and lighting

48

53

72

173

15

-

c) Printing and stationery

6

6

7

13

1

-

d) Advertisement and publicity

2

3

3

3

0

-

e) Depreciation on bank's property

24

26

15

78

8

-

f) Directors' fees, allowances and expenses

1

1

3

2

3

-

g) Auditors' fees and expenses

2

2

1

2

0

-

h) Law charges

4

3

-

2

2

-

i) Postage, telegrams, telephones, etc

7

7

7

13

1

-

j) Repairs and maintenance

5

7

8

18

3

-

k) Insurance

24

26

17

33

6

-

l) Other expenditure

88

96

89

212

19

-

V. Net Interest Income (I-III)

1160

1408

952

1868

103

-

VI. Provisions and Contingencies

257

297

69

491

10

-

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

714

909

193

1148

53

-

VIII. Profit (Loss) during the year

457

612

123

657

42

-

# SBI Comm. & Intl. Bank merged with State Bank of India w.e.f. July 28, 2011.

Source: Annual Account of Banks


TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS - 2010-11 AND 2011-12 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(Amount in ` Million)

Items

South Indian Bank

Tamilnad Mercantile Bank

2011

2012

2011

2012

(25)

(26)

(27)

(28)

Income

       

I. Interest Earned

24460

35834

13710

18824

a) Interest/Discount earned on advances/bills

19300

28681

10792

15358

b) Income on investments

4815

6211

2861

3419

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

345

942

31

21

d) Others

-

-

27

26

II. Other Income

1967

2471

1883

2317

a) Commission, exchange and brokerage

354

384

518

660

b) Net profit (loss) on sale of investments

394

408

52

76

c) Net profit (loss) on revaluation of investments

-

-

-

-

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

-10

8

3

1

e) Net profit (loss) on exchange transactions

191

256

231

281

f) Miscellaneous income

1038

1414

1079

1298

Total (I+II)

26427

38305

15594

21140

Expenditure & Provisions

       

III. Interest Expended

16549

25617

8272

12320

a) Interest on deposits

16214

25188

8190

12058

b) Interest on RBI/ Inter - bank borrowings

83

177

3

50

c) Others

252

251

79

212

IV. Operating Expenses

4625

6173

2980

3490

a) Payments to and provisions for employees

2898

3741

1950

2129

b) Rent, taxes and lighting

381

501

215

268

c) Printing and stationery

62

168

40

56

d) Advertisement and publicity

86

129

44

55

e) Depreciation on bank's property

228

312

97

107

f) Directors' fees, allowances and expenses

3

2

7

6

g) Auditors' fees and expenses

15

24

4

5

h) Law charges

15

20

2

3

 i) Postage, telegrams, telephones, etc

93

106

49

70

j) Repairs and maintenance

98

114

68

122

k) Insurance

230

314

119

142

l) Other expenditure

515

742

386

527

V. Net Interest Income (I-III)

7911

10217

5439

6504

VI. Provisions and Contingencies

2327

2499

1833

2195

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

5253

6515

4342

5330

VIII. Profit (Loss) during the year

2926

4017

2509

3135

Source : Annual accounts of banks

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