OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Ganesh Bank of

Global Trust

HDFC Bank

ICICI Bank

Kurundwad

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I.

Interest earned

585

850

17100

35683

11556

16174

11613

18268

a)

Interest/discount on advances/bills

452

638

13836

28519

4099

9209

7034

13406

b)

Income on investments

133

195

3000

6847

4290

6195

4004

4228

c)

Interest on balances with RBI and other

-

-

179

199

3159

713

576

287

inter-bank funds

d)

Others

-

17

85

118

8

57

-

348

II.

Other income

73

67

5417

9014

1353

3159

1973

4262

a)

Commission, exchange, brokerage, etc.

28

27

4040

4542

730

2099

923

1485

b)

Net profit (loss) on sale of investments

-

(1)

206

938

145

454

508

1316

c)

Net profit (loss) on revaluation of investments

-

-

19

19

-

1

(422)

-

d)

Net profit (loss) on sale of land, building

-

-

-

-

-

-

-

(4)

& other assets

e)

Net profit (loss) on exchange transaction

-

-

408

1682

440

604

796

860

f)

Miscellaneous income

45

41

764

1833

38

1

168

604

Total (I+II)

658

918

22517

44697

12909

19333

13586

22530

Expenditure & Provisions

III.

Interest expended

427

591

13595

28976

7084

8718

8492

11709

a)

Interest on deposits

372

542

9968

25126

5923

7111

5496

9717

b)

Interest on RBI/inter-bank borrowings

55

49

3589

3583

1161

1607

932

540

c)

Others

-

-

38

267

-

-

2063

1451

IV.

Operating expenses

153

216

2772

5335

2267

4218

2745

4049

a)

Payments to and provisions for employees

94

122

366

626

468

1019

449

617

b)

Rent, taxes and lighting

5

9

390

694

716

978

246

488

c)

Printing and stationery

6

8

142

122

140

266

53

120

d)

Advertisement and publicity

-

1

199

180

58

231

31

81

e)

Depreciation on Bank's property

13

21

637

1959

158

628

451

824

f)

Directors' fees, allowances and expenses

1

1

1

3

2

1

3

2

g)

Auditors' fees and expenses

-

-

6

15

8

8

7

7

h)

Law charges

1

2

152

41

3

5

3

37

i)

Postage, telegrams, telephones, etc.

6

7

138

266

167

333

60

126

j)

Repairs and maintenance

1

1

78

138

65

238

172

252

k)

Insurance

2

4

16

161

56

62

42

66

l)

Other expenditure

25

40

647

1130

426

449

1230

1428

V.

Provisions and contingencies

67

84

2114

4646

1027

2347

698

2760

Total expenses

647

891

18481

38957

10377

15283

11934

18518

VI.

Profit (loss)

11

26

4036

5740

2532

4050

1652

4013

Total (III+IV+V+VI)

658

918

22517

44697

12909

19333

13586

22530

(Amount in Rs. lakh)

For the year ended 31st March

Items

IDBI Bank

IndusInd Bank

Jammu & Kashmir Bank

Karnataka Bank

1996

1997

1996

1997

1996

1997

1996

1997

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I.

Interest earned

N

4388

19122

40930

32168

39958

22376

33567

a)

Interest/discount on advances/bills

o

2875

14031

30191

15369

21557

15099

21990

b)

Income on investments

t

1151

4206

10069

13053

15647

6128

10003

c)

Interest on balances with RBI and other

359

886

670

3747

2754

1149

1322

inter-bank funds

A

d)

Others

v

3

-

-

-

-

-

252

a

II.

Other income

i

605

3655

8187

2589

2974

3157

3661

a)

Commission, exchange, brokerage, etc.

l

397

1771

3149

1094

1136

1754

2099

b)

Net profit (loss) on sale of investments

a

147

(51)

1111

608

252

13

356

c)

Net profit (loss) on revaluation of investments

b

-

-

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

l

-

-

(13)

-

-

7

3

& other assets

e

e)

Net profit (loss) on exchange transaction

36

627

1097

224

357

589

648

f)

Miscellaneous income

25

1308

2843

663

1228

794

553

Total (I+II)

4993

22777

49117

34757

42932

25533

37227

Expenditure & Provisions

III.

Interest expended

1962

13420

31008

18120

25232

14596

21660

a)

Interest on deposits

1623

8145

23041

17355

25030

12938

20196

b)

Interest on RBI/inter-bank borrowings

333

1567

1078

193

47

746

294

c)

Others

5

3708

6889

573

154

912

1170

IV.

Operating expenses

2167

2750

5615

6878

7778

5523

7165

a)

Payments to and provisions for employees

335

223

424

4715

5427

4163

5092

b)

Rent, taxes and lighting

253

465

1039

421

485

317

440

c)

Printing and stationery

43

57

102

97

185

82

110

d)

Advertisement and publicity

185

119

125

53

51

15

26

e)

Depreciation on Bank's property

104

655

1339

231

303

186

407

f)

Directors' fees, allowances and expenses

1

3

9

3

3

5

7

g)

Auditors' fees and expenses

3

7

13

36

40

7

12

h)

Law charges

5

2

1

14

14

4

5

i)

Postage, telegrams, telephones, etc.

122

120

257

129

148

64

84

j)

Repairs and maintenance

42

35

94

22

37

39

63

k)

Insurance

20

55

124

162

167

92

120

l)

Other expenditure

1055

1010

2087

995

918

548

798

V.

Provisions and contingencies

497

2044

5163

7919

7422

2890

4331

Total expenses

4626

18214

41785

32917

40432

23008

33156

VI.

Profit (loss)

367

4563

7332

1840

2500

2525

4071

Total (III+IV+V+VI)

4993

22777

49117

34757

42932

25533

37227

(Amount in Rs. lakh)

For the year ended 31st March

Items

Karur Vysya Bank

Lakshmi Vilas Bank

Lord Krishna Bank

Nainital Bank

1996

1997

1996

1997

1996

1997

1996

1997

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I.

Interest earned

17349

22031

12101

14603

5063

8005

2275

3016

a)

Interest/discount on advances/bills

11979

15032

7192

9203

3801

6129

970

1131

b)

Income on investments

4949

6331

4387

4737

1116

1690

806

1191

c)

Interest on balances with RBI and other

376

579

447

469

127

150

476

683

inter-bank funds

d)

Others

45

89

75

195

18

37

23

12

II.

Other income

3580

3296

2594

2754

495

1084

120

141

a)

Commission, exchange, brokerage, etc.

1839

2139

1961

1988

253

632

89

105

b)

Net profit (loss) on sale of investments

111

(285)

(200)

34

2

-

3

2

c)

Net profit (loss) on revaluation of investments

-

-

-

26

-

-

-

-

d)

Net profit (loss) on sale of land, building

5

4

5

3

1

2

1

-

& other assets

e)

Net profit (loss) on exchange transaction

432

317

452

220

-

-

-

-

f)

Miscellaneous income

1193

1120

377

484

239

450

27

34

Total (I+II)

20929

25327

14696

17357

5558

9089

2395

3158

Expenditure & Provisions

III.

Interest expended

12233

14345

8391

10472

3320

6229

1331

1797

a)

Interest on deposits

10028

13034

7283

9589

2976

5710

1322

1793

b)

Interest on RBI/inter-bank borrowings

1996

795

682

137

4

9

1

1

c)

Others

208

515

426

746

341

511

8

4

IV.

Operating expenses

4368

5170

3922

4618

979

1261

855

922

a)

Payments to and provisions for employees

2597

2823

2282

2553

582

611

647

657

b)

Rent, taxes and lighting

184

232

357

243

72

119

62

77

c)

Printing and stationery

100

110

74

78

19

20

7

17

d)

Advertisement and publicity

144

199

70

64

37

45

3

4

e)

Depreciation on Bank's property

734

1088

478

707

73

189

14

17

f)

Directors' fees, allowances and expenses

6

9

1

1

2

3

1

2

g)

Auditors' fees and expenses

5

6

3

6

1

2

2

3

h)

Law charges

3

2

2

4

1

1

5

18

i)

Postage, telegrams, telephones, etc.

179

213

125

133

24

35

12

16

j)

Repairs and maintenance

44

78

8

27

5

13

5

6

k)

Insurance

59

68

43

54

17

28

46

41