B2 : Earnings and Expenses Of Scheduled Commercial Banks : 2003-04 and 2004-05 (Part 1 of 3)

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प्रकाशित तारीख ऑक्टोबर 14, 2005

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B2 : Earnings and Expenses Of Scheduled Commercial Banks : 2003-04 and 2004-05 (Part 1 of 3)

			(Amount in Rs. lakh)

			As on March 31

			State	Bank of State Bank of Bikaner State Bank of					State Bank of
			India		and	Jaipur	Hyderabad		Indore
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I.	Interest Earned		3046049	3242801	157357	174089	221293	232509	104621	110983
	a)	Interest/discount on advances/bills	1126718	1304351	69103	89991	95866	110873	49635	62152
	b)	Income on Investments	1571551	1602767	82367	79644	121948	115653	52606	45364
	c)	Interest on balances with	249939	178704	3496	2765	2922	4207	1288	2461
		RBI and other inter-bank funds
	d)	Others	97841	156979	2391	1689	557	1776	1092	1006

II.	Other income		761244	711991	49149	48312	70744	42165	36069	17827
	a)	Commission, exchange and brokerage	312072	354467	21578	26125	20290	22974	9544	11030
	b)	Net Profit (loss) on sale of investments	307345	177530	22734	16886	41151	7996	22622	1737
	c)	Net Profit (loss) on revaluation of	(21)	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	(45)	(83)	(3)	(12)	(17)	9	(2)	(4)
		other assets
	e)	Net Profit (loss) on exchange transaction	50304	52820	2508	1737	4512	4675	1155	2220
	f)	Miscellaneous income	91589	127257	2332	3576	4808	6511	2750	2844

	Total (I+II)		3807293	3954792	206506	222401	292037	274674	140690	128810

Expenditure & Provisions
III.	Interest expended		1927418	1848337	85713	87198	137159	136272	59279	60762
	a)	Interest on deposits	1812290	1718649	83918	83981	132252	130222	56460	57128
	b)	Interest on RBI/inter-bank borrowings	16096	40868	660	2247	1654	3153	57	1540
	c)	Others	99032	88820	1135	970	3253	2897	2762	2094

IV.	Operating expenses		924531	1007418	52660	62237	53457	67078	28187	32838
	a)	Payments to and provisions for employees	644769	690735	36058	41534	34138	39722	17736	19532
	b)	Rent, taxes and lighting	64177	72312	3520	4185	4302	4858	2083	2464
	c)	Printing and stationery	14613	16251	932	1085	1218	1263	540	651
	d)	Advertisement and publicity	6736	6708	343	225	464	391	94	449
	e)	Depreciation on Bank’s property	69834	75221	4083	5122	4193	4703	2584	2533
	f)	Directors’ fees, allowances and expenses	74	99	10	16	20	13	10	14
	g)	Auditors’ fees and expenses	4652	5425	496	529	502	564	318	384
	h)	Law charges	4866	4977	170	222	126	148	68	80
	i)	Postage, telegrams, telephones, etc.	8155	7443	921	866	481	581	425	446
	j)	Repairs and maintenance	9767	13395	382	408	351	428	212	350
	k)	Insurance	16887	23996	762	1346	1324	2314	435	839
	l)	Other expenditure	80001	90856	4983	6699	6338	12093	3682	5096

V.	Provisions and contingencies		587246	668584	37983	52399	63301	46232	30598	21892

	Total expenses @		2851949	2855755	138373	149435	190616	203350	87466	93600

VI.	Profit (loss)		368098	430453	30150	20567	38120	25092	22626	13318

	Total (III+IV+V+VI)		3807293	3954792	206506	222401	292037	274674	140690	128810
Notes
@ : Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			State Bank of		State Bank of		State Bank of		State Bank of
			Mysore		Patiala		Saurashtra		Travancore
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I.	Interest Earned		105705	116777	188825	213322	97802	113222	173985	200832
	a)	Interest/discount on advances/bills	55792	65626	99319	112297	41822	45463	86750	101203
	b)	Income on Investments	48011	47712	79900	91947	51085	57896	82827	91665
	c)	Interest on balances with	1058	1206	8010	5238	2407	2451	3078	3200
		RBI and other inter-bank funds
	d)	Others	844	2233	1596	3840	2488	7412	1330	4764

II.	Other income		34042	38601	63046	35571	30597	11401	46995	40852
	a)	Commission, exchange and brokerage	13166	16271	20683	22702	9065	10697	14082	15034
	b)	Net Profit (loss) on sale of investments	15503	15120	36567	7494	20009	(526)	26868	18012
	c)	Net Profit (loss) on revaluation of	—	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	9	(3)	(38)	(73)	6	(14)	54	2
		other assets
	e)	Net Profit (loss) on exchange transaction	1819	2160	3618	3840	1515	1241	3742	3429
	f)	Miscellaneous income	3545	5053	2216	1608	3	3	2249	4375

	Total (I+II)		139747	155378	251871	248893	128399	124623	220980	241684

Expenditure & Provisions
III.	Interest expended		60265	62303	106605	115696	57425	62422	105652	111216
	a)	Interest on deposits	56630	58891	105116	113487	56505	60214	99608	104995
	b)	Interest on RBI/inter-bank borrowings	247	678	1055	2002	411	1256	89	272
	c)	Others	3388	2734	434	207	509	952	5955	5949

IV.	Operating expenses		36991	47911	44891	47900	25700	25388	45245	50263
	a)	Payments to and provisions for employees	26514	33067	28117	29409	16258	16500	31676	33754
	b)	Rent, taxes and lighting	2469	3218	3399	3596	2084	2305	3118	3792
	c)	Printing and stationery	480	580	763	749	435	455	592	627
	d)	Advertisement and publicity	47	112	84	179	44	53	120	136
	e)	Depreciation on Bank’s property	2080	3187	3690	4364	1778	2915	3368	3741
	f)	Directors’ fees, allowances and expenses	8	17	13	16	10	13	18	18
	g)	Auditors’ fees and expenses	267	309	412	454	255	238	461	508
	h)	Law charges	210	211	142	230	95	192	70	292
	i)	Postage, telegrams, telephones, etc.	42	72	751	790	408	373	102	154
	j)	Repairs and maintenance	254	304	574	807	258	269	436	524
	k)	Insurance	29	111	1038	1911	533	903	1011	1869
	l)	Other expenditure	4591	6723	5908	5395	3542	1172	4273	4848

V.	Provisions and contingencies		24854	24540	57339	56590	27537	32699	45624	55492

	Total expenses @		97256	110214	151496	163596	83125	87810	150897	161479

VI.	Profit (loss)		17637	20624	43036	28707	17738	4114	24459	24713

	Total (III+IV+V+VI)		139747	155378	251871	248893	128400	124623	220980	241684
Notes @ : Excluding ‘Provisions and Contingencies’. 1. Figures in brackets indicate loss. Source : Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Allahabad		Andhra		Bank of		Bank of
			Bank		Bank		Baroda		India
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I.	Interest Earned		266868	318559	222726	227346	614708	643141	579590	603152
	a)	Interest/discount on advances/bills	132272	168258	123082	135860	280083	290275	330922	361585
	b)	Income on Investments	130224	146210	95116	82327	293218	298898	207157	212719
	c)	Interest on balances with	3180	4011	3675	7756	19737	23546	21892	23089
		RBI and other inter-bank funds
	d)	Others	1192	80	853	1403	21670	30422	19619	5759

II.	Other income		74980	63988	67805	75335	171900	130483	179199	115579
	a)	Commission, exchange and brokerage	16196	18378	11591	13904	34445	34260	37555	45000
	b)	Net Profit (loss) on sale of investments	50471	34743	40632	38551	101753	53515	94608	18023
	c)	Net Profit (loss) on revaluation of	—	—	(456)	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	5	3	24	2	11	2	1076	24
		other assets
	e)	Net Profit (loss) on exchange transaction	4311	4375	2006	2845	16956	19327	21273	22340
	f)	Miscellaneous income	3997	6489	14008	20033	18735	23379	24687	30192

	Total (I+II)		341848	382547	290531	302681	786608	773624	758789	718731

Expenditure & Provisions
III.	Interest expended		158291	182157	131668	120442	357548	345214	359448	379464
	a)	Interest on deposits	154080	176744	123893	112942	336473	324796	308666	313678
	b)	Interest on RBI/inter-bank borrowings	170	367	3172	2554	4869	3038	31598	30368
	c)	Others	4041	5046	4603	4946	16206	17380	19184	35418

IV.	Operating expenses		95932	93131	65846	82948	180530	198219	175154	193231
	a)	Payments to and provisions for employees	55909	54171	40941	53953	125252	138105	117243	126321
	b)	Rent, taxes and lighting	5179	5832	4676	6306	16431	16732	14480	14483
	c)	Printing and stationery	1146	1315	952	1128	1907	1841	2624	2853
	d)	Advertisement and publicity	407	1020	908	919	2411	1041	836	1488
	e)	Depreciation on Bank’s property	3490	3241	6110	6001	7557	8188	8805	9884
	f)	Directors’ fees, allowances and expenses	77	64	32	36	46	40	3	6
	g)	Auditors’ fees and expenses	653	843	761	777	1816	1676	1645	1371
	h)	Law charges	298	336	172	225	1029	1032	2360	838
	i)	Postage, telegrams, telephones, etc.	1194	1285	972	1196	1285	1732	902	993
	j)	Repairs and maintenance	1345	1446	1495	2186	3836	4167	2762	2777
	k)	Insurance	1590	2863	1512	2258	4203	6346	3163	5281
	l)	Other expenditure	24644	20715	7315	7963	14757	17319	20331	26936

V.	Provisions and contingencies		41287	53082	46667	47283	151829	162507	123355	112031

	Total expenses @		254223	275288	197514	203390	538078	543433	534602	572695

VI.	Profit (loss)		46338	54177	46350	52008	96701	67684	100832	34005

	Total (III+IV+V+VI)		341848	382547	290531	302681	786608	773624	758789	718731
Notes @:Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Bank of		Canara		Central	Bank of	Corporation
			Maharashtra		Bank		India		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I.	Interest Earned		220340	236769	700693	757198	506372	520487	220117	224981
	a)	Interest/discount on advances/bills	85575	97252	381772	427264	218792	224134	99069	125622
	b)	Income on Investments	126509	126990	299438	305557	265749	267408	109366	87943
	c)	Interest on balances with	6877	8525	14285	18868	19251	19456	4428	4617
		RBI and other inter-bank funds
	d)	Others	1379	4002	5198	5509	2580	9489	7254	6799

II.	Other income		46522	38522	207291	154384	96428	92013	51676	56456
	a)	Commission, exchange and brokerage	10207	10749	38083	41089	29783	29525	13136	15507
	b)	Net Profit (loss) on sale of investments	30739	21501	120667	49978	61805	58785	22384	20004
	c)	Net Profit (loss) on revaluation of	—	—	—	—	(2551)	(1874)	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	(7)	(15)	24	42	(33)	(32)	7	59
		other assets
	e)	Net Profit (loss) on exchange transaction	2034	2212	15175	18859	2290	2835	2697	4103
	f)	Miscellaneous income	3549	4075	33342	44416	5134	2774	13452	16783

	Total (I+II)		266862	275291	907984	911582	602800	612500	271793	281437

Expenditure & Provisions
III.	Interest expended		143167	148604	432456	442150	294153	282993	123724	112041
	a)	Interest on deposits	135574	139591	412190	421485	278370	270304	118992	107547
	b)	Interest on RBI/inter-bank borrowings	284	1137	1339	1823	486	271	1835	3061
	c)	Others	7309	7876	18927	18842	15297	12418	2897	1433

IV.	Operating expenses		56046	72043	189654	210897	155756	168591	57365	63695
	a)	Payments to and provisions for employees	37125	51361	127321	138015	118347	127756	28442	28291
	b)	Rent, taxes and lighting	4568	5053	17528	20546	8400	9431	5816	6670
	c)	Printing and stationery	788	870	2141	2287	1751	1577	854	976
	d)	Advertisement and publicity	446	493	1583	1431	693	704	1073	1432
	e)	Depreciation on Bank’s property	4350	3560	11371	13295	5633	5317	6015	6899
	f)	Directors’ fees, allowances and expenses	82	96	39	56	60	54	44	47
	g)	Auditors’ fees and expenses	523	586	1369	1512	1162	1311	612	669
	h)	Law charges	315	287	508	606	1113	1098	75	94
	i)	Postage, telegrams, telephones, etc.	998	1253	2338	2158	609	593	1903	2031
	j)	Repairs and maintenance	1118	1423	3561	3426	2056	2362	1428	1439
	k)	Insurance	1330	2247	3844	6934	2424	4106	1260	2045
	l)	Other expenditure	4403	4814	18051	20631	13508	14282	9843	13102

V.	Provisions and contingencies		37194	36934	152071	147582	91082	125176	40291	65482

	Total expenses @		199213	220647	622110	653047	449909	451584	181089	175736

VI.	Profit (loss)		30455	17710	133803	110953	61809	35740	50413	40219

	Total (III+IV+V+VI)		266862	275291	907984	911582	602800	612500	271793	281437
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Dena		IDBI		Indian		Indian	Overseas
			Bank		Ltd. #		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

Income
I.	Interest Earned		173548	172518	265572		266692	287065	375410	395104
	a)	Interest/discount on advances/bills	81714	85637	218565		117195	138188	184943	209231
	b)	Income on Investments	86795	81099	39545		145464	144132	181913	177198
	c)	Interest on balances with	4459	4525		7046	4020	4602	8554	8125
		RBI and other inter-bank funds
	d)	Others	580	1257		416	13	143	—	550

II.	Other income		61740	31119		62712	74733	56881	74067	63981
	a)	Commission, exchange and brokerage	8218	8487		13067	10787	11570	23918	28016
	b)	Net Profit (loss) on sale of investments	44131	11780		34227	46547	20977	48124	37305
	c)	Net Profit (loss) on revaluation of	—	—		(661)	—	(363)	(7930)	(15975)
		investments
	d)	Net Profit (loss) on sale of land, building &	(23)	(13)		1277	12	(75)	169	557
		other assets
	e)	Net Profit (loss) on exchange transaction	2419	2399		2829	5832	6866	5597	7191
	f)	Miscellaneous income	6995	8466		11973	11555	17906	4189	6887

	Total (I+II)		235288	203637	328284		341425	343946	449477	459085

Expenditure & Provisions
III.	Interest expended		114322	103858	246787		154986	156701	215469	209552
	a)	Interest on deposits	107108	97950		35429	150677	150766	205468	199094
	b)	Interest on RBI/inter-bank borrowings	335	892		4823	2832	3392	2933	2915
	c)	Others	6879	5016	206535		1477	2543	7068	7543

IV.	Operating expenses		49909	55030		45396	106195	91441	101489	115853
	a)	Payments to and provisions for employees	33878	35510		15755	86270	63751	75336	84346
	b)	Rent, taxes and lighting	3719	4212		2591	5725	6481	7165	8808
	c)	Printing and stationery	807	732		785	1079	1228	943	1011
	d)	Advertisement and publicity	582	1166		1619	397	1102	384	286
	e)	Depreciation on Bank’s property	2752	3102		8401	3075	3082	3973	4674
	f)	Directors’ fees, allowances and expenses	79	51		17	36	19	49	30
	g)	Auditors’ fees and expenses	490	451		47	821	867	833	975
	h)	Law charges	234	325		275	154	173	483	418
	i)	Postage, telegrams, telephones, etc.	876	1052		1411	92	96	113	89
	j)	Repairs and maintenance	1348	1530		1033	1627	1950	406	428
	k)	Insurance	1303	1918		599	1583	2639	2317	3794
	l)	Other expenditure	3841	4981		12863	5336	10053	9487	10994

V.	Provisions and contingencies		48009	38649		5376	39671	54958	81244	68544

	Total expenses @		164231	158888	292183		261181	248142	316958	325405

VI.	Profit (loss)		23048	6100		30725	40573	40846	51275	65136

	Total (III+IV+V+VI)		235288	203637	328284		341425	343946	449477	459085
Notes @ : Excluding ‘Provisions and Contingencies’. # :See ‘Explanatory Notes’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Oriental	Bank of	Punjab	& Sind	Punjab	National	Syndicate
			Commerce		Bank		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

Income
I.	Interest Earned		330054	357190	127850	124859	777970	845984	308485	375763
	a)	Interest/discount on advances/bills	159118	181345	59658	60590	387601	424612	159160	204210
	b)	Income on Investments	163322	167293	63420	61097	368097	397404	136881	156893
	c)	Interest on balances with	7098	6965	3149	2414	11313	16425	10201	14444
		RBI and other inter-bank funds
	d)	Others	516	1587	1623	758	10959	7543	2243	216

II.	Other income		72170	50519	25588	25614	186688	167568	77640	56454
	a)	Commission, exchange and brokerage	11360	15648	4659	4415	55190	69129	12623	15431
	b)	Net Profit (loss) on sale of investments	50422	23710	14422	14434	123637	53162	50087	24580
	c)	Net Profit (loss) on revaluation of	(518)	(450)	—	—	(11780)	(17886)	(644)	(2587)
		investments
	d)	Net Profit (loss) on sale of land, building &	38	5	2	2	25	63	(5)	129
		other assets
	e)	Net Profit (loss) on exchange transaction	5904	7760	2152	2128	10601	14176	3556	3444
	f)	Miscellaneous income	4964	3846	4353	4635	9015	48924	12023	15457

	Total (I+II)		402224	407709	153438	150473	964658	1013552	386125	432217

Expenditure & Provisions
III.	Interest expended		184474	204821	78518	67590	415499	445311	165564	206380
	a)	Interest on deposits	178604	196588	75575	64603	392644	416326	161843	200133
	b)	Interest on RBI/inter-bank borrowings	593	1891	101	164	1334	4158	372	654
	c)	Others	5277	6342	2842	2823	21521	24827	3349	5593

IV.	Operating expenses		64448	79574	59961	57097	237074	297523	115136	126422
	a)	Payments to and provisions for employees	36640	39687	48031	45707	165406	212123	87162	96133
	b)	Rent, taxes and lighting	6988	9249	2743	2814	11996	13396	6350	6486
	c)	Printing and stationery	1076	1426	538	537	3509	3665	1138	1031
	d)	Advertisement and publicity	866	908	127	66	1085	1916	391	573
	e)	Depreciation on Bank’s property	5042	9279	1095	1187	18145	18328	2652	3758
	f)	Directors’ fees, allowances and expenses	22	29	22	20	35	70	38	36
	g)	Auditors’ fees and expenses	729	763	394	472	1788	2151	973	1058
	h)	Law charges	518	645	1700	409	1325	1160	395	346
	i)	Postage, telegrams, telephones, etc.	1477	1910	589	614	4511	4752	1445	1513
	j)	Repairs and maintenance	693	1296	576	636	2442	2928	3965	2093
	k)	Insurance	2054	3665	808	1190	5466	8408	1572	3328
	l)	Other expenditure	8343	10717	3338	3445	21366	28626	9055	10067

V.	Provisions and contingencies		84696	47234	14072	32893	201217	129709	62012	59128

	Total expenses @		248922	284395	138479	124687	652573	742834	280700	332802

VI.	Profit (loss)		68606	76080	887	(7107)	110868	141009	43413	40287

	Total (III+IV+V+VI)		402224	407709	153438	150473	964658	1013552	386125	432217
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			UCO		Union	Bank of	United	Bank of	Vijaya
			Bank		India		India		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

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

Income
I.	Interest Earned		309629	354687	451631	496980	207299	213308	194009	209431
	a)	Interest/discount on advances/bills	161636	192211	241467	286858	67034	83940	97319	114699
	b)	Income on Investments	135326	148181	193753	190508	132111	124612	92996	89568
	c)	Interest on balances with	9168	13154	11743	7857	2695	2330	1903	2247
		RBI and other inter-bank funds
	d)	Others	3499	1141	4668	11757	5459	2426	1791	2917

II.	Other income		62528	51556	83147	76610	50544	47848	52569	35367
	a)	Commission, exchange and brokerage	14765	15780	15554	17692	7503	9004	4904	5413
	b)	Net Profit (loss) on sale of investments	35131	19579	43538	26032	34763	26391	34364	14890
	c)	Net Profit (loss) on revaluation of	—	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	14	13	(42)	(61)	—	12	(6)	(10)
		other assets
	e)	Net Profit (loss) on exchange transaction	1423	2723	11848	16659	573	906	2531	2951
	f)	Miscellaneous income	11195	13461	12249	16288	7705	11535	10776	12123

	Total (I+II)		372157	406243	534778	573590	257843	261156	246578	244798

Expenditure & Provisions
III.	Interest expended		190169	214049	278007	290524	129245	121773	110233	110977
	a)	Interest on deposits	182695	204792	263099	271032	127372	119672	105255	107165
	b)	Interest on RBI/inter-bank borrowings	1798	1431	307	2086	32	10	98	77
	c)	Others	5676	7826	14601	17406	1841	2091	4880	3735

IV.	Operating expenses		87148	110326	108461	125749	67269	70422	49781	54919
	a)	Payments to and provisions for employees	66747	85941	72116	80642	51511	49775	33159	31882
	b)	Rent, taxes and lighting	4368	4622	7113	8479	2798	3224	4198	4723
	c)	Printing and stationery	1149	1269	1803	1994	1071	1044	467	620
	d)	Advertisement and publicity	553	600	1464	2521	310	319	628	647
	e)	Depreciation on Bank’s property	2469	3556	5029	7329	1632	2044	2512	4005
	f)	Directors’ fees, allowances and expenses	33	18	41	49	58	45	27	30
	g)	Auditors’ fees and expenses	737	1428	1022	1071	364	466	601	668
	h)	Law charges	279	383	489	578	1177	139	83	47
	i)	Postage, telegrams, telephones, etc.	623	683	1347	1600	574	658	306	589
	j)	Repairs and maintenance	657	595	1545	2191	379	528	196	156
	k)	Insurance	1745	3105	3323	5483	1089	1846	1042	2124
	l)	Other expenditure	7788	8126	13169	13812	6306	10334	6562	9428

V.	Provisions and contingencies		51299	47302	77103	85411	29822	38946	45433	40846

	Total expenses @		277317	324375	386468	416273	196514	192195	160014	165896

VI.	Profit (loss)		43541	34566	71207	71906	31507	30015	41131	38056

	Total (III+IV+V+VI)		372157	406243	534778	573590	257843	261156	246578	244798
Notes @:Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			ABN Amro		Abu-Dhabi		American	Express	Antwerp
			Bank		Commercial Bank		Bank		Diamond	Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I.	Interest Earned		76138	90739	16337	14981	30590	26971	2037	2638
	a)	Interest/discount on advances/bills	48288	62084	2318	951	19479	19300	1379	1545
	b)	Income on Investments	24556	24712	13070	12236	7806	4336	537	1030
	c)	Interest on balances with	310	690	577	1243	1550	1306	121	63
		RBI and other inter-bank funds
	d)	Others	2984	3253	372	551	1755	2029	—	—

II.	Other income		37944	43533	840	4048	22027	25071	343	436
	a)	Commission, exchange and brokerage	17983	31527	340	303	16134	19432	200	405
	b)	Net Profit (loss) on sale of investments	6774	(7191)	283	8	993	(480)	—	(165)
	c)	Net Profit (loss) on revaluation of	—	—	—	—	(32)	(119)	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	(54)	2	(7)	135	(9)	44	—	—
		other assets
	e)	Net Profit (loss) on exchange transaction	13147	14763	137	131	2562	2914	98	117
	f)	Miscellaneous income	94	4432	87	3471	2379	3280	45	79

	Total (I+II)		114082	134272	17177	19029	52617	52042	2380	3074

Expenditure & Provisions
III.	Interest expended		31224	33380	14707	13791	17853	15118	535	990
	a)	Interest on deposits	8763	10943	14449	13741	16587	14616	29	31
	b)	Interest on RBI/inter-bank borrowings	18612	19604	70	48	975	251	195	648
	c)	Others	3849	2833	188	2	291	251	311	311

IV.	Operating expenses		47031	56683	1098	4736	24731	29196	696	761
	a)	Payments to and provisions for employees	12986	17713	423	827	9356	10703	262	284
	b)	Rent, taxes and lighting	2802	3263	123	136	1877	1771	41	41
	c)	Printing and stationery	1169	1412	24	16	529	700	4	5
	d)	Advertisement and publicity	1277	2123	13	9	2204	1637	1	2
	e)	Depreciation on Bank’s property	3418	3515	71	73	2123	1829	112	128
	f)	Directors’ fees, allowances and expenses	1	—	1	—	—	—	—	—
	g)	Auditors’ fees and expenses	55	30	3	3	49	95	4	6
	h)	Law charges	109	163	12	20	4	12	1	1
	i)	Postage, telegrams, telephones, etc.	1936	2308	36	40	1773	1982	73	76
	j)	Repairs and maintenance	1859	1722	99	71	570	646	24	21
	k)	Insurance	379	663	38	69	81	168	4	5
	l)	Other expenditure	21040	23771	255	3472	6165	9653	170	192

V.	Provisions and contingencies		16346	24685	406	5522	12390	6068	559	655

	Total expenses @		78255	90063	15805	18527	42584	44314	1231	1751

VI.	Profit (loss)		19481	19524	966	(5020)	(2357)	1660	590	668

	Total (III+IV+V+VI)		114082	134272	17177	19029	52617	52042	2380	3074
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.