Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 4 of 6) - आरबीआय - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 4 of 6)
Other Scheduled Commercial Banks |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended March 31 |
||||||||||
Items |
IDBI |
IndusInd |
Jammu & Kashmir |
Karnataka |
||||||
Bank |
Bank |
Bank |
Bank |
|||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(31) |
(32) |
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
Income |
||||||||||
I. |
Interest Earned |
29501 |
42378 |
59356 |
63740 |
69373 |
88461 |
49139 |
57804 |
|
a) |
Interest/discount on advances/bills |
13391 |
17293 |
35233 |
32458 |
34127 |
38068 |
27247 |
30153 |
|
b) |
Income on Investments |
14379 |
23548 |
21567 |
28406 |
31638 |
44091 |
19111 |
24301 |
|
c) |
Interest on balances with |
1717 |
1450 |
2552 |
2876 |
3609 |
6302 |
2762 |
3217 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
15 |
87 |
4 |
1 |
|
|
19 |
131 |
|
II. |
Other income |
2888 |
5514 |
8286 |
14482 |
4303 |
10512 |
4828 |
7225 |
|
a) |
Commission, exchange and brokerage |
1934 |
3206 |
3545 |
3281 |
1505 |
1981 |
3031 |
3998 |
|
b) |
Net Profit (loss) on sale of investments |
231 |
1256 |
304 |
6579 |
1022 |
6066 |
79 |
1617 |
|
c) |
Net Profit (loss) on revaluation of |
|
|
|
|
|
|
|
|
|
investments |
||||||||||
d) |
Net Profit (loss) on sale of land, building & |
|
(61) |
(10) |
(34) |
|
|
5 |
10 |
|
other assets |
||||||||||
e) |
Net Profit (loss) on exchange transaction |
574 |
657 |
1513 |
1040 |
599 |
79 |
1064 |
989 |
|
f) |
Miscellaneous income |
149 |
457 |
2935 |
3616 |
1177 |
2385 |
648 |
611 |
|
|
Total (I+II) |
32389 |
47892 |
67642 |
78223 |
73676 |
98972 |
53967 |
65029 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
23090 |
33261 |
47881 |
50112 |
43094 |
59822 |
37529 |
46383 |
|
a) |
Interest on deposits |
19806 |
27271 |
42964 |
44642 |
42885 |
57268 |
35723 |
44659 |
|
b) |
Interest on RBI/inter-bank borrowings |
2481 |
4825 |
1541 |
2945 |
209 |
2554 |
638 |
886 |
|
c) |
Others |
802 |
1166 |
3377 |
2525 |
|
|
1169 |
837 |
|
IV. |
Operating expenses |
5424 |
6267 |
8715 |
9024 |
13390 |
15942 |
9212 |
10565 |
|
a) |
Payments to and provisions for employees |
1082 |
1408 |
1127 |
1197 |
8506 |
8984 |
6424 |
7528 |
|
b) |
Rent, taxes and lighting |
1419 |
1495 |
1635 |
1810 |
721 |
1055 |
640 |
742 |
|
c) |
Printing and stationery |
192 |
227 |
184 |
188 |
144 |
170 |
125 |
143 |
|
d) |
Advertisement and publicity |
221 |
262 |
178 |
66 |
175 |
272 |
53 |
33 |
|
e) |
Depreciation on Banks property |
571 |
829 |
2098 |
2171 |
793 |
1082 |
695 |
808 |
|
f) |
Directors fees, allowances and expenses |
2 |
3 |
15 |
17 |
13 |
9 |
10 |
10 |
|
g) |
Auditors fees and expenses |
8 |
11 |
28 |
34 |
66 |
85 |
23 |
24 |
|
h) |
Law charges |
14 |
12 |
299 |
147 |
16 |
20 |
6 |
7 |
|
i) |
Postage, telegrams, telephones, etc. |
386 |
414 |
609 |
735 |
204 |
226 |
132 |
105 |
|
j) |
Repairs and maintenance |
131 |
364 |
281 |
398 |
77 |
107 |
119 |
173 |
|
k) |
Insurance |
180 |
252 |
187 |
283 |
267 |
334 |
199 |
265 |
|
l) |
Other expenditure |
1218 |
989 |
2074 |
1978 |
2409 |
3598 |
786 |
728 |
|
V. |
Provisions and contingencies |
799 |
2265 |
7365 |
13477 |
8647 |
11191 |
2982 |
2255 |
|
Total expenses@ |
28515 |
39528 |
56597 |
59137 |
56484 |
75764 |
46741 |
56948 |
||
VI. |
Profit (loss) |
3076 |
6099 |
3680 |
5609 |
8545 |
12017 |
4245 |
5826 |
|
|
Total (III+IV+V+VI) |
32389 |
47892 |
67642 |
78223 |
73676 |
98972 |
53967 |
65029 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended March 31 |
||||||||||
Items |
Karur Vysya |
Lakshmi Vilas |
Lord Krishna |
Nainital |
||||||
Bank |
Bank |
Bank |
Bank |
|||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(39) |
(40) |
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
Income |
||||||||||
I. |
Interest Earned |
33762 |
41803 |
18684 |
22246 |
9688 |
9724 |
4265 |
4797 |
|
a) |
Interest/discount on advances/bills |
19321 |
23317 |
11266 |
13732 |
6074 |
5844 |
1189 |
1285 |
|
b) |
Income on Investments |
12620 |
15247 |
6317 |
7359 |
3466 |
3749 |
1786 |
2350 |
|
c) |
Interest on balances with |
1674 |
2920 |
773 |
789 |
148 |
132 |
1281 |
1154 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
147 |
320 |
328 |
365 |
|
|
9 |
8 |
|
II. |
Other income |
4073 |
5780 |
3859 |
5971 |
1369 |
1893 |
199 |
268 |
|
a) |
Commission, exchange and brokerage |
3448 |
4387 |
2374 |
2762 |
522 |
576 |
139 |
170 |
|
b) |
Net Profit (loss) on sale of investments |
(761) |
11 |
503 |
1424 |
241 |
962 |
3 |
8 |
|
c) |
Net Profit (loss) on revaluation of |
|
|
|
|
|
|
|
|
|
investments |
||||||||||
d) |
Net Profit (loss) on sale of land, building & |
3 |
|
(3) |
50 |
|
|
|
|
|
other assets |
||||||||||
e) |
Net Profit (loss) on exchange transaction |
594 |
602 |
339 |
360 |
|
|
|
|
|
f) |
Miscellaneous income |
789 |
780 |
646 |
1375 |
606 |
354 |
58 |
89 |
|
|
Total (I+II) |
37836 |
47583 |
22543 |
28217 |
11057 |
11617 |
4464 |
5065 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
24691 |
28100 |
14343 |
16253 |
8486 |
8266 |
2566 |
2870 |
|
a) |
Interest on deposits |
23042 |
25603 |
13549 |
15201 |
7607 |
7569 |
2564 |
2869 |
|
b) |
Interest on RBI/inter-bank borrowings |
703 |
817 |
720 |
965 |
3 |
4 |
2 |
|
|
c) |
Others |
947 |
1679 |
74 |
86 |
876 |
693 |
|
|
|
IV. |
Operating expenses |
6979 |
8573 |
5777 |
6420 |
1853 |
1893 |
1111 |
1345 |
|
a) |
Payments to and provisions for employees |
4109 |
5392 |
3233 |
3852 |
944 |
1068 |
813 |
1004 |
|
b) |
Rent, taxes and lighting |
339 |
446 |
400 |
690 |
317 |
274 |
90 |
104 |
|
c) |
Printing and stationery |
134 |
140 |
96 |
98 |
21 |
18 |
13 |
23 |
|
d) |
Advertisement and publicity |
122 |
129 |
32 |
38 |
10 |
13 |
4 |
4 |
|
e) |
Depreciation on Banks property |
1229 |
1248 |
697 |
512 |
276 |
173 |
18 |
23 |
|
f) |
Directors fees, allowances and expenses |
11 |
13 |
6 |
10 |
6 |
6 |
3 |
2 |
|
g) |
Auditors fees and expenses |
10 |
14 |
8 |
10 |
2 |
3 |
2 |
3 |
|
h) |
Law charges |
11 |
4 |
6 |
4 |
7 |
|
5 |
5 |
|
i) |
Postage, telegrams, telephones, etc. |
303 |
331 |
192 |
207 |
50 |
46 |
29 |
32 |
|
j) |
Repairs and maintenance |
119 |
125 |
23 |
21 |
6 |
4 |
6 |
9 |
|
k) |
Insurance |
135 |
150 |
84 |
97 |
34 |
38 |
17 |
20 |
|
l) |
Other expenditure |
458 |
581 |
999 |
881 |
181 |
250 |
111 |
116 |
|
V. |
Provisions and contingencies |
2461 |
3796 |
990 |
2909 |
589 |
821 |
475 |
419 |
|
Total expenses@ |
31671 |
36673 |
20120 |
22673 |
10340 |
10159 |
3677 |
4215 |
||
VI. |
Profit (loss) |
3704 |
7114 |
1433 |
2635 |
128 |
637 |
312 |
431 |
|
|
Total (III+IV+V+VI) |
37836 |
47583 |
22543 |
28217 |
11057 |
11617 |
4464 |
5065 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended March 31 |
||||||||||
Items |
Nedungadi |
Ratnakar |
Sangli |
SBI Commercial & |
||||||
Bank |
Bank |
Bank |
Intl. Bank |
|||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(47) |
(48) |
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
Income |
||||||||||
I. |
Interest Earned |
14685 |
17290 |
4023 |
4940 |
11314 |
12453 |
6860 |
6649 |
|
a) |
Interest/discount on advances/bills |
9152 |
9881 |
2475 |
2621 |
4578 |
4658 |
3060 |
3489 |
|
b) |
Income on Investments |
5222 |
7112 |
1431 |
2084 |
5084 |
5818 |
2033 |
2441 |
|
c) |
Interest on balances with |
268 |
228 |
101 |
224 |
1427 |
1913 |
826 |
681 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
43 |
69 |
17 |
11 |
225 |
65 |
941 |
37 |
|
II. |
Other income |
1700 |
2494 |
347 |
817 |
1599 |
2032 |
1318 |
1653 |
|
a) |
Commission, exchange and brokerage |
828 |
1021 |
163 |
173 |
1189 |
776 |
428 |
437 |
|
b) |
Net Profit (loss) on sale of investments |
91 |
553 |
99 |
548 |
47 |
849 |
27 |
133 |
|
c) |
Net Profit (loss) on revaluation of |
|
|
|
|
|
|
|
|
|
investments |
||||||||||
d) |
Net Profit (loss) on sale of land, building & |
2 |
1 |
1 |
1 |
1 |
1 |
2 |
2 |
|
other assets |
||||||||||
e) |
Net Profit (loss) on exchange transaction |
381 |
487 |
|
|
122 |
179 |
366 |
314 |
|
f) |
Miscellaneous income |
399 |
431 |
84 |
96 |
240 |
227 |
496 |
768 |
|
|
Total (I+II) |
16385 |
19784 |
4370 |
5758 |
12914 |
14485 |
8178 |
8302 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
11360 |
12508 |
2799 |
3535 |
7863 |
8619 |
6035 |
5246 |
|
a) |
Interest on deposits |
10736 |
11838 |
2604 |
3287 |
7789 |
8596 |
5476 |
4463 |
|
b) |
Interest on RBI/inter-bank borrowings |
195 |
187 |
86 |
123 |
53 |
8 |
467 |
613 |
|
c) |
Others |
429 |
483 |
109 |
125 |
21 |
15 |
91 |
171 |
|
IV. |
Operating expenses |
3729 |
4654 |
1138 |
1494 |
3804 |
4168 |
748 |
803 |
|
a) |
Payments to and provisions for employees |
2305 |
2921 |
757 |
986 |
3013 |
3199 |
228 |
260 |
|
b) |
Rent, taxes and lighting |
288 |
327 |
117 |
196 |
281 |
322 |
95 |
130 |
|
c) |
Printing and stationery |
56 |
61 |
16 |
25 |
34 |
33 |
18 |
21 |
|
d) |
Advertisement and publicity |
29 |
48 |
6 |
7 |
2 |
5 |
7 |
4 |
|
e) |
Depreciation on Banks property |
101 |
144 |
115 |
130 |
82 |
88 |
109 |
119 |
|
f) |
Directors fees, allowances and expenses |
8 |
11 |
2 |
2 |
1 |
1 |
3 |
4 |
|
g) |
Auditors fees and expenses |
7 |
7 |
4 |
5 |
5 |
6 |
2 |
3 |
|
h) |
Law charges |
3 |
6 |
5 |
6 |
6 |
15 |
33 |
25 |
|
i) |
Postage, telegrams, telephones, etc. |
45 |
54 |
25 |
28 |
58 |
52 |
3 |
-1 |
|
j) |
Repairs and maintenance |
6 |
2 |
6 |
16 |
27 |
62 |
26 |
24 |
|
k) |
Insurance |
48 |
57 |
19 |
22 |
52 |
58 |
49 |
51 |
|
l) |
Other expenditure |
833 |
1015 |
64 |
71 |
242 |
326 |
174 |
163 |
|
V. |
Provisions and contingencies |
487 |
1160 |
129 |
381 |
825 |
1198 |
414 |
1050 |
|
Total expenses@ |
15089 |
17161 |
3937 |
5409 |
11668 |
12787 |
6782 |
6049 |
||
VI. |
Profit (loss) |
808 |
1463 |
304 |
349 |
421 |
499 |
981 |
1203 |
|
|
Total (III+IV+V+VI) |
16385 |
19784 |
4370 |
5758 |
12914 |
14485 |
8178 |
8302 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended March 31 |
||||||||||
Items |
South Indian |
Tamilnad Mercantile |
Times |
United Western |
||||||
Bank |
Bank |
Bank * |
Bank |
|||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(55) |
(56) |
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
Income |
||||||||||
I. |
Interest Earned |
39989 |
46894 |
24586 |
31182 |
28640 |
33537 |
41948 |
||
a) |
Interest/discount on advances/bills |
23690 |
26362 |
12774 |
15000 |
15646 |
20678 |
25111 |
||
b) |
Income on Investments |
14823 |
18766 |
10991 |
15220 |
11688 |
11183 |
14610 |
||
c) |
Interest on balances with |
1477 |
1765 |
643 |
806 |
1306 |
1560 |
2227 |
||
RBI and other inter-bank funds |
||||||||||
d) |
Others |
|
|
179 |
156 |
|
116 |
|
||
II. |
Other income |
3690 |
7456 |
4201 |
4997 |
4060 |
5316 |
12125 |
||
a) |
Commission, exchange and brokerage |
1510 |
1973 |
2447 |
2972 |
2334 |
2440 |
2908 |
||
b) |
Net Profit (loss) on sale of investments |
280 |
3333 |
45 |
99 |
610 |
415 |
6157 |
||
c) |
Net Profit (loss) on revaluation of |
|
|
|
|
|
|
|
||
investments |
||||||||||
d) |
Net Profit (loss) on sale of land, building & |
11 |
5 |
|
4 |
(5) |
1 |
|
||
other assets |
||||||||||
e) |
Net Profit (loss) on exchange transaction |
821 |
848 |
684 |
533 |
748 |
721 |
619 |
||
f) |
Miscellaneous income |
1068 |
1296 |
1026 |
1390 |
373 |
|
1738 |
2442 |
|
|
Total (I+II) |
43679 |
54349 |
28786 |
36179 |
32700 |
|
38853 |
54074 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
31178 |
35072 |
17356 |
22336 |
23204 |
24527 |
30463 |
||
a) |
Interest on deposits |
29532 |
33186 |
16535 |
21335 |
21729 |
23403 |
28116 |
||
b) |
Interest on RBI/inter-bank borrowings |
366 |
567 |
46 |
100 |
964 |
1124 |
1294 |
||
c) |
Others |
1280 |
1319 |
774 |
902 |
512 |
|
1052 |
||
IV. |
Operating expenses |
8983 |
11250 |
5508 |
6581 |
5648 |
7944 |
9343 |
||
a) |
Payments to and provisions for employees |
6378 |
8633 |
3387 |
4052 |
1486 |
5481 |
6628 |
||
b) |
Rent, taxes and lighting |
709 |
806 |
410 |
524 |
791 |
546 |
610 |
||
c) |
Printing and stationery |
152 |
178 |
157 |
189 |
251 |
149 |
180 |
||
d) |
Advertisement and publicity |
42 |
37 |
60 |
81 |
190 |
32 |
38 |
||
e) |
Depreciation on Banks property |
290 |
313 |
342 |
452 |
661 |
675 |
644 |
||
f) |
Directors fees, allowances and expenses |
3 |
4 |
12 |
10 |
5 |
7 |
7 |
||
g) |
Auditors fees and expenses |
13 |
29 |
16 |
16 |
10 |
29 |
34 |
||
h) |
Law charges |
8 |
7 |
11 |
19 |
34 |
63 |
32 |
||
i) |
Postage, telegrams, telephones, etc. |
222 |
221 |
142 |
114 |
243 |
143 |
114 |
||
j) |
Repairs and maintenance |
66 |
72 |
239 |
245 |
589 |
85 |
86 |
||
k) |
Insurance |
171 |
229 |
100 |
133 |
129 |
152 |
165 |
||
l) |
Other expenditure |
928 |
721 |
634 |
747 |
1259 |
581 |
805 |
||
V. |
Provisions and contingencies |
2910 |
5438 |
2419 |
3199 |
1053 |
2670 |
8697 |
||
Total expenses@ |
40161 |
46322 |
22864 |
28917 |
28852 |
32471 |
39806 |
|||
VI. |
Profit (loss) |
608 |
2589 |
3503 |
4063 |
2794 |
|
3711 |
5570 |
|
|
Total (III+IV+V+VI) |
43679 |
54349 |
28786 |
36179 |
32700 |
|
38853 |
54074 |
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended March 31 |
||||||
Items |
UTI |
Vysya |
||||
Bank |
Bank |
|||||
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(63) |
(64) |
(65) |
(66) |
Income |
||||||
I. |
Interest Earned |
37328 |
48326 |
72549 |
79382 |
|
a) |
Interest/discount on advances/bills |
23682 |
29665 |
32470 |
38408 |
|
b) |
Income on Investments |
11673 |
15702 |
26340 |
28624 |
|
c) |
Interest on balances with |
1767 |
2508 |
9610 |
9801 |
|
RBI and other inter-bank funds |
||||||
d) |
Others |
206 |
450 |
4128 |
2550 |
|
II. |
Other income |
4663 |
9117 |
11161 |
18674 |
|
a) |
Commission, exchange and brokerage |
3272 |
4473 |
5403 |
6731 |
|
b) |
Net Profit (loss) on sale of investments |
648 |
3971 |
1777 |
6673 |
|
c) |
Net Profit (loss) on revaluation of |
|
|
|
|
|
investments |
||||||
d) |
Net Profit (loss) on sale of land, building & |
(15) |
(23) |
2 |
(1) |
|
other assets |
||||||
e) |
Net Profit (loss) on exchange transaction |
454 |
465 |
2668 |
2567 |
|
f) |
Miscellaneous income |
304 |
231 |
1312 |
2704 |
|
|
Total (I+II) |
41991 |
57443 |
83710 |
98056 |
|
Expenditure & Provisions |
||||||
III. |
Interest expended |
30063 |
39286 |
63049 |
68315 |
|
a) |
Interest on deposits |
26203 |
33990 |
61195 |
65096 |
|
b) |
Interest on RBI/inter-bank borrowings |
1483 |
2439 |
960 |
2401 |
|
c) |
Others |
2377 |
2857 |
894 |
819 |
|
IV. |
Operating expenses |
5103 |
6540 |
14473 |
17679 |
|
a) |
Payments to and provisions for employees |
1202 |
1543 |
8674 |
9730 |
|
b) |
Rent, taxes and lighting |
1265 |
1490 |
1491 |
1710 |
|
c) |
Printing and stationery |
142 |
214 |
342 |
482 |
|
d) |
Advertisement and publicity |
83 |
47 |
128 |
73 |
|
e) |
Depreciation on Banks property |
995 |
1147 |
859 |
2022 |
|
f) |
Directors fees, allowances and expenses |
1 |
4 |
23 |
31 |
|
g) |
Auditors fees and expenses |
17 |
21 |
39 |
42 |
|
h) |
Law charges |
29 |
43 |
34 |
41 |
|
i) |
Postage, telegrams, telephones, etc. |
175 |
208 |
464 |
467 |
|
j) |
Repairs and maintenance |
450 |
605 |
475 |
565 |
|
k) |
Insurance |
208 |
223 |
317 |
349 |
|
l) |
Other expenditure |
537 |
995 |
1626 |
2167 |
|
V. |
Provisions and contingencies |
3718 |
6524 |
3135 |
7632 |
|
Total expenses@ |
35166 |
45826 |
77522 |
85994 |
||
VI. |
Profit (loss) |
3107 |
5093 |
3054 |
4431 |
|
|
Total (III+IV+V+VI) |
41991 |
57443 |
83710 |
98056 |
Notes |
1. @ : Excluding Provisions and Contingencies. |
2. Figures in bracket indicate loss. |
|
3. * : With effect from 26th February 2000, Times Bank has been merged with HDFC Bank. The data for the year ended March |
|
31, 2000 represent merged banks figures. |
|
Source |
: Annual accounts of banks of respective years. |