Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 2 of 26) - ଆରବିଆଇ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 2 of 26)
NATIONALISED BANKS |
| | | | | | | | | | (Amount in Rs. lakh) | ||||||
For the year ended 31st March | ||||||||||||||||
Items | Allahabad Bank | Andhra Bank | Bank of Baroda | Bank of India | ||||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||||
| | | (1) | (2) | | (3) | (4) | | (5) | (6) | | (7) | (8) | |||
Income | ||||||||||||||||
I. | Interest earned | 109337 | 127822 | 66940 | 78725 | 353018 | 376175 | 289029 | 351339 | |||||||
a) | Interest/discount on advances/bills | 58932 | 68609 | 33694 | 38335 | 220349 | 223651 | 172503 | 223389 | |||||||
b) | Income on investments | 41175 | 51465 | 27669 | 34572 | 101520 | 114912 | 96899 | 109606 | |||||||
c) | Interest on balances with RBI and other | 6359 | 5771 | 5574 | 5793 | 20903 | 32413 | 19022 | 14129 | |||||||
inter-bank funds | ||||||||||||||||
d) | Others | 2870 | 1977 | 3 | 25 | 10245 | 5199 | 606 | 4215 | |||||||
II. | Other income | 14893 | 18096 | 7749 | 9838 | 46619 | 45864 | 42091 | 49016 | |||||||
a) | Commission, exchange, brokerage, etc. | 10289 | 12435 | 4926 | 5168 | 33860 | 24423 | 23745 | 25477 | |||||||
b) | Net profit (loss) on sale of investments | 103 | 395 | (48) | 17 | (228) | 1396 | 359 | 1062 | |||||||
c) | Net profit (loss) on revaluation of investments | - | 289 | 154 | 117 | - | 343 | - | 269 | |||||||
d) | Net profit (loss) on sale of land, building | - | - | 10 | 15 | 37 | 68 | (24) | 1 | |||||||
& other assets |
|
|
|
|
|
|
|
| ||||||||
e) | Net profit (loss) on exchange transaction | 2822 | 2909 | 1220 | 1185 | 4738 | 8545 | 8257 | 7372 | |||||||
f) | Miscellaneous income | 1679 | 2069 | 1640 | 3335 | 8213 | 11090 | 9753 | 14835 | |||||||
| | | | | | | | | | | ||||||
| Total (I+II) | 124231 | 145918 | | 74689 | 88562 | | 399637 | 422039 | | 331120 | 400356 | ||||
Expenditure & Provisions | ||||||||||||||||
III. | Interest expended | 76168 | 87670 | 45501 | 54108 | 224963 | 255181 | 193850 | 237325 | |||||||
a) | Interest on deposits | 69991 | 85172 | 41074 | 51905 | 205387 | 237424 | 179657 | 223057 | |||||||
b) | Interest on RBI/inter-bank borrowings | 1703 | 137 | 4387 | 2187 | 9750 | 2083 | 14076 | 14085 | |||||||
c) | Others | 4474 | 2361 | 39 | 16 | 9826 | 15673 | 117 | 183 | |||||||
IV. | Operating expenses | 37741 | 39822 | 23021 | 25699 | 86947 | 89215 | 89884 | 105081 | |||||||
a) | Payments to and provisions for employees | 25572 | 26377 | 16663 | 18618 | 54942 | 60595 | 65750 | 71426 | |||||||
b) | Rent, taxes and lighting | 3524 | 3992 | 1084 | 1250 | 6875 | 7674 | 6900 | 7657 | |||||||
c) | Printing and stationery | 561 | 583 | 369 | 454 | 2159 | 1968 | 1594 | 1698 | |||||||
d) | Advertisement and publicity | 62 | 112 | 59 | 57 | 251 | 321 | 333 | 411 | |||||||
e) | Depreciation on Bank's property | 935 | 990 | 646 | 741 | 2853 | 3197 | 2504 | 4759 | |||||||
f) | Directors' fees, allowances and expenses | - | - | 6 | 7 | 28 | 30 | 4 | 7 | |||||||
g) | Auditors' fees and expenses | 112 | 119 | 133 | 109 | 530 | 599 | 508 | 484 | |||||||
h) | Law charges | 222 | 220 | 100 | 62 | 1377 | 1125 | 1319 | 2764 | |||||||
i) | Postage, telegrams, telephones, etc. | 613 | 680 | 305 | 322 | 1413 | 1193 | 915 | 771 | |||||||
j) | Repairs and maintenance | 319 | 400 | 370 | 444 | 1577 | 1791 | 1210 | 1358 | |||||||
k) | Insurance | 2941 | 2784 | 1173 | 1072 | 6123 | 2044 | 1161 | 1528 | |||||||
l) | Other expenditure | 2878 | 3564 | 2114 | 2564 | 8820 | 8679 | 7687 | 12219 | |||||||
V. | Provisions and contingencies | 9759 | 11996 | 5059 | 5185 | 67300 | 49990 | 19738 | 21948 | |||||||
Total expenses | 123668 | 139488 | 73582 | 84993 | 379210 | 394386 | 303472 | 364354 | ||||||||
VI. | Profit (loss) | 562 | 6430 | 1108 | 3570 | 20427 | 27653 | 27648 | 36002 | |||||||
| | | | | | | | | | | ||||||
Total (III+IV+V+VI) | 124231 | 145918 | | 74689 | 88562 | | 399637 | 422039 | | 331120 | 400356 |
| | | | | | | | | | (Amount in Rs. lakh) | ||||||
For the year ended 31st March | ||||||||||||||||
Items | Bank of Maharashtra | Canara Bank | Central Bank of India | Corporation Bank | ||||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||||
| | | (9) | (10) | | (11) | (12) | | (13) | (14) | | (15) | (16) | |||
Income | ||||||||||||||||
I. | Interest earned | 74198 | 85786 | 294808 | 341380 | 215265 | 253092 | 66560 | 82811 | |||||||
a) | Interest/discount on advances/bills | 34197 | 40379 | 169604 | 197175 | 115330 | 128886 | 30760 | 40217 | |||||||
b) | Income on investments | 34433 | 41774 | 105099 | 122014 | 84589 | 108884 | 28652 | 36554 | |||||||
c) | Interest on balances with RBI and other | 5198 | 3478 | 18155 | 21498 | 12575 | 11401 | 5973 | 3978 | |||||||
inter-bank funds | ||||||||||||||||
d) | Others | 370 | 155 | 1950 | 692 | 2771 | 3922 | 1175 | 2061 | |||||||
II. | Other income | 7722 | 7997 | 46723 | 45502 | 27005 | 30486 | 10971 | 11161 | |||||||
a) | Commission, exchange, brokerage, etc. | 5969 | 6345 | 24727 | 24629 | 19499 | 19902 | 6107 | 7329 | |||||||
b) | Net profit (loss) on sale of investments | 413 | 61 | (2133) | 2245 | 735 | 5389 | 828 | 202 | |||||||
c) | Net profit (loss) on revaluation of investments | (4) | - | 725 | 885 | (105) | 53 | - | - | |||||||
d) | Net profit (loss) on sale of land, building | 32 | 8 | 34 | 49 | 34 | 30 | 7 | 7 | |||||||
& other assets | ||||||||||||||||
e) | Net profit (loss) on exchange transaction | 1136 | 1410 | 12543 | 8092 | 5051 | 3516 | 1835 | 1328 | |||||||
f) | Miscellaneous income | 176 | 172 | 11552 | 9602 | 1791 | 1596 | 2194 | 2296 | |||||||
| | | | | | | | | | | ||||||
| Total (I+II) | 81920 | 93783 | | 341530 | 386882 | | 242270 | 283578 | | 77531 | 93972 | ||||
Expenditure & Provisions | ||||||||||||||||
III. | Interest expended | 46210 | 53580 | 187700 | 227788 | 142274 | 169515 | 40726 | 51114 | |||||||
a) | Interest on deposits | 41693 | 50933 | 158911 | 214847 | 131522 | 167076 | 37815 | 49291 | |||||||
b) | Interest on RBI/inter-bank borrowings | 2683 | 635 | 15880 | 5370 | 4037 | 763 | 1701 | 230 | |||||||
c) | Others | 1834 | 2013 | 12909 | 7571 | 6715 | 1676 | 1211 | 1593 | |||||||
IV. | Operating expenses | 29062 | 29865 | 85368 | 93673 | 78907 | 84104 | 15195 | 18263 | |||||||
a) | Payments to and provisions for employees | 23635 | 23757 | 58718 | 64086 | 62272 | 64755 | 9426 | 11447 | |||||||
b) | Rent, taxes and lighting | 1673 | 1721 | 7665 | 8667 | 3948 | 4148 | 1125 | 1382 | |||||||
c) | Printing and stationery | 323 | 429 | 1445 | 2474 | 985 | 1329 | 384 | 457 | |||||||
d) | Advertisement and publicity | 47 | 72 | 600 | 685 | 113 | 137 | 361 | 312 | |||||||
e) | Depreciation on Bank's property | 748 | 873 | 3601 | 4486 | 1157 | 1592 | 746 | 1182 | |||||||
f) | Directors' fees, allowances and expenses | 13 | 14 | 11 | 18 | 6 | 11 | 12 | 14 | |||||||
g) | Auditors' fees and expenses | 131 | 130 | 376 | 425 | 263 | 295 | 92 | 129 | |||||||
h) | Law charges | 54 | 65 | 216 | 118 | 135 | 671 | 30 | 24 | |||||||
i) | Postage, telegrams, telephones, etc. | 288 | 310 | 1295 | 1297 | 510 | 353 | 606 | 648 | |||||||
j) | Repairs and maintenance | 205 | 255 | 1188 | 1474 | 552 | 645 | 280 | 361 | |||||||
k) | Insurance | 851 | 825 | 1806 | 1389 | 899 | 1043 | 270 | 350 | |||||||
l) | Other expenditure | 1094 | 1415 | 8446 | 8554 | 8066 | 9126 | 1863 | 1957 | |||||||
V. | Provisions and contingencies | 5389 | 5611 | 43211 | 50680 | 28442 | 14876 | 11135 | 12082 | |||||||
Total expenses | 80660 | 89056 | 316278 | 372142 | 249623 | 268495 | 67056 | 81459 | ||||||||
VI. | Profit (loss) | 1260 | 4726 | 25252 | 14740 | (7354) | 15083 | 10474 | 12513 | |||||||
| | | | | | | | | | | ||||||
Total (III+IV+V+VI) | 81920 | 93783 | | 341530 | 386882 | | 242270 | 283578 | | 77531 | 93972 |
| | | | | | | | | | (Amount in Rs. lakh) | ||||||
For the year ended 31st March | ||||||||||||||||
Items | Dena Bank | Indian Bank | Indian Overseas | Oriental Bank of | ||||||||||||
| | Bank | Commerce | |||||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||||
| | | (17) | (18) | | (19) | (20) | | (21) | (22) | | (23) | (24) | |||
Income | ||||||||||||||||
I. | Interest earned | 81941 | 101444 | 150287 | 156316 | 159686 | 185943 | 102595 | 125054 | |||||||
a) | Interest/discount on advances/bills | 46764 | 57961 | 93841 | 93488 | 81674 | 99802 | 57451 | 70762 | |||||||
b) | Income on investments | 30879 | 40633 | 49775 | 57637 | 64661 | 69643 | 39373 | 49355 | |||||||
c) | Interest on balances with RBI and other | 4278 | 2701 | 6671 | 5191 | 12128 | 14532 | 4978 | 3650 | |||||||
inter-bank funds | ||||||||||||||||
d) | Others | 20 | 149 | - | - | 1223 | 1965 | 793 | 1287 | |||||||
II. | Other income | 9855 | 11015 | 19143 | 21710 | 13700 | 19165 | 10081 | 10438 | |||||||
a) | Commission, exchange, brokerage, etc. | 5994 | 5899 | 7874 | 6847 | 10086 | 11183 | 6541 | 6634 | |||||||
b) | Net profit (loss) on sale of investments | 150 | 683 | 1100 | 1671 | (1048) | 1030 | 150 | 223 | |||||||
c) | Net profit (loss) on revaluation of investments | - | - | (92) | 417 | (5) | - | - | 78 | |||||||
d) | Net profit (loss) on sale of land, building | 12 | 7 | 23 | 20 | 259 | 103 | 7 | 4 | |||||||
& other assets | ||||||||||||||||
e) | Net profit (loss) on exchange transaction | 1779 | 1800 | 7743 | 7300 | 1686 | 4615 | 2861 | 2853 | |||||||
f) | Miscellaneous income | 1920 | 2625 | 2494 | 5454 | 2721 | 2235 | 522 | 646 | |||||||
| | | | | | | | | | | ||||||
| Total (I+II) | 91796 | 112459 | | 169430 | 178026 | | 173386 | 205108 | | 112676 | 135493 | ||||
Expenditure & Provisions | ||||||||||||||||
III. | Interest expended | 51920 | 64005 | 141061 | 144203 | 121351 | 143212 | 62574 | 80087 | |||||||
a) | Interest on deposits | 46407 | 57881 | 86138 | 105219 | 89043 | 123747 | 59012 | 78168 | |||||||
b) | Interest on RBI/inter-bank borrowings | 1974 | 1457 | 26248 | 11124 | 21728 | 5938 | 2446 | 734 | |||||||
c) | Others | 3539 | 4667 | 28674 | 27859 | 10580 | 13527 | 1117 | 1185 | |||||||
IV. | Operating expenses | 25327 | 29050 | 50738 | 47659 | 49840 | 48951 | 22488 | 25337 | |||||||
a) | Payments to and provisions for employees | 18567 | 21165 | 36288 | 35184 | 37417 | 36840 | 14185 | 15431 | |||||||
b) | Rent, taxes and lighting | 1638 | 1883 | 3317 | 3490 | 3403 | 3798 | 2542 | 3147 | |||||||
c) | Printing and stationery | 505 | 555 | 858 | 807 | 679 | 682 | 522 | 532 | |||||||
d) | Advertisement and publicity | 160 | 133 | 416 | 89 | 215 | 139 | 70 | 49 | |||||||
e) | Depreciation on Bank's property | 593 | 769 | 1494 | 1654 | 1257 | 1434 | 1045 | 1231 | |||||||
f) | Directors' fees, allowances and expenses | 12 | 16 | 13 | 11 | 16 | 20 | 11 | 17 | |||||||
g) | Auditors' fees and expenses | 118 | 171 | 250 | 269 | 224 | 208 | 109 | 128 | |||||||
h) | Law charges | 117 | 86 | 73 | 48 | 60 | 130 | 237 | 274 | |||||||
i) | Postage, telegrams, telephones, etc. | 312 | 372 | 426 | 384 | 1067 | 591 | 465 | 529 | |||||||
j) | Repairs and maintenance | 491 | 506 | 869 | 971 | 216 | 162 | 303 | 323 | |||||||
k) | Insurance | 1251 | 1282 | 777 | 799 | 1255 | 1019 | 360 | 672 | |||||||
l) | Other expenditure | 1564 | 2113 | 5957 | 3954 | 4031 | 3927 | 2640 | 3001 | |||||||
V. | Provisions and contingencies | 9380 | 12113 | 111272 | 25073 | 1875 | 2493 | 10335 | 12045 | |||||||
Total expenses | 86627 | 105168 | 303071 | 216935 | 173066 | 194656 | 95397 | 117468 | ||||||||
VI. | Profit (loss) | 5169 | 7291 | (133640) | (38909) | 320 | 10451 | 17279 | 18025 | |||||||
| | | | | | | | | | | ||||||
Total (III+IV+V+VI) | 91796 | 112459 | | 169430 | 178026 | | 173386 | 205108 | | 112676 | 135493 |
Note | : | Figures in bracket indicate loss. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |