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