Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 6 of 26) - ଆରବିଆଇ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial
Banks - 1996-97 (Part 6 of 26)
OTHER SCHEDULED COMMERCIAL BANKS |
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(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Nedungadi Bank |
Punjab Co- |
Ratnakar Bank |
Sangli Bank |
|||||||||||
Items |
|
operative Bank |
|
|
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(49) |
(50) |
|
(51) |
(52) |
|
(53) |
(54) |
|
(55) |
(56) |
Income |
||||||||||||||
I. |
Interest earned |
5628 |
7334 |
359 |
Not Available |
2253 |
2766 |
8999 |
9648 |
|||||
a) |
Interest/discount on advances/bills |
3640 |
5097 |
199 |
1408 |
1738 |
4804 |
5098 |
||||||
b) |
Income on investments |
1651 |
1925 |
108 |
724 |
910 |
2945 |
3713 |
||||||
c) |
Interest on balances with RBI and other |
304 |
302 |
48 |
116 |
88 |
1248 |
747 |
||||||
inter-bank funds |
||||||||||||||
d) |
Others |
33 |
9 |
4 |
5 |
29 |
2 |
91 |
||||||
II. |
Other income |
829 |
1055 |
36 |
146 |
217 |
1042 |
1387 |
||||||
a) |
Commission, exchange, brokerage, etc. |
493 |
596 |
19 |
114 |
130 |
548 |
643 |
||||||
b) |
Net profit (loss) on sale of investments |
5 |
- |
- |
2 |
14 |
(2) |
258 |
||||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
||||||
d) |
Net profit (loss) on sale of land, building |
1 |
- |
- |
- |
- |
- |
- |
||||||
& other assets |
|
|
|
|
|
|
|
|||||||
e) |
Net profit (loss) on exchange transaction |
133 |
177 |
- |
- |
- |
296 |
226 |
||||||
f) |
Miscellaneous income |
197 |
281 |
|
17 |
|
|
29 |
74 |
|
199 |
260 |
||
|
Total (I+II) |
|
6456 |
8389 |
|
396 |
|
|
2399 |
2984 |
|
10040 |
11035 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
3499 |
4961 |
238 |
1506 |
1817 |
5566 |
6545 |
||||||
a) |
Interest on deposits |
3316 |
4799 |
236 |
Not Available |
1365 |
1604 |
5182 |
6316 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
3 |
2 |
3 |
138 |
127 |
313 |
171 |
||||||
c) |
Others |
181 |
160 |
- |
3 |
86 |
71 |
57 |
||||||
IV. |
Operating expenses |
2387 |
2473 |
98 |
688 |
898 |
3491 |
3380 |
||||||
a) |
Payments to and provisions for employees |
1701 |
1733 |
64 |
517 |
641 |
2751 |
2592 |
||||||
b) |
Rent, taxes and lighting |
131 |
140 |
6 |
51 |
77 |
226 |
243 |
||||||
c) |
Printing and stationery |
34 |
42 |
5 |
16 |
17 |
38 |
43 |
||||||
d) |
Advertisement and publicity |
13 |
20 |
- |
3 |
3 |
4 |
3 |
||||||
e) |
Depreciation on Bank's property |
221 |
200 |
1 |
23 |
52 |
95 |
112 |
||||||
f) |
Directors' fees, allowances and expenses |
2 |
3 |
1 |
- |
1 |
- |
1 |
||||||
g) |
Auditors' fees and expenses |
4 |
5 |
- |
1 |
2 |
7 |
5 |
||||||
h) |
Law charges |
2 |
3 |
2 |
1 |
2 |
4 |
3 |
||||||
i) |
Postage, telegrams, telephones, etc. |
25 |
21 |
2 |
16 |
21 |
37 |
38 |
||||||
j) |
Repairs and maintenance |
1 |
- |
- |
3 |
4 |
24 |
21 |
||||||
k) |
Insurance |
22 |
26 |
2 |
10 |
12 |
41 |
44 |
||||||
l) |
Other expenditure |
231 |
279 |
13 |
47 |
66 |
266 |
276 |
||||||
V. |
Provisions and contingencies |
374 |
532 |
89 |
83 |
80 |
660 |
606 |
||||||
Total expenses |
6260 |
7967 |
425 |
2277 |
2795 |
9717 |
10531 |
|||||||
VI. |
Profit (loss) |
197 |
422 |
|
(30) |
|
|
122 |
188 |
|
323 |
504 |
||
Total (III+IV+V+VI) |
|
6456 |
8389 |
|
396 |
|
|
2399 |
2984 |
|
10040 |
11035 |
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended 31st March |
||||||||||||||
Items |
SBI Commercial & |
South Indian Bank |
Tamilnad |
Times Bank |
||||||||||
Intl. Bank |
|
Mercantile Bank |
|
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(57) |
(58) |
|
(59) |
(60) |
|
(61) |
(62) |
|
(63) |
(64) |
Income |
||||||||||||||
I. |
Interest earned |
Not Available |
4111 |
23641 |
27942 |
15026 |
17915 |
3705 |
14416 |
|||||
a) |
Interest/discount on advances/bills |
2527 |
13267 |
18491 |
10187 |
12285 |
2951 |
11436 |
||||||
b) |
Income on investments |
1112 |
8885 |
8599 |
3960 |
5094 |
492 |
2856 |
||||||
c) |
Interest on balances with RBI and other |
347 |
1489 |
852 |
874 |
511 |
263 |
125 |
||||||
inter-bank funds |
||||||||||||||
d) |
Others |
125 |
- |
- |
5 |
25 |
- |
- |
||||||
II. |
Other income |
466 |
2361 |
2212 |
3217 |
3706 |
466 |
1685 |
||||||
a) |
Commission, exchange, brokerage, etc. |
260 |
950 |
1264 |
1858 |
2128 |
331 |
1085 |
||||||
b) |
Net profit (loss) on sale of investments |
56 |
556 |
17 |
55 |
21 |
56 |
200 |
||||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
26 |
- |
- |
- |
- |
||||||
d) |
Net profit (loss) on sale of land, building |
1 |
1 |
10 |
12 |
9 |
- |
- |
||||||
& other assets |
|
|
|
|
|
|
|
|||||||
e) |
Net profit (loss) on exchange transaction |
75 |
|
427 |
447 |
717 |
721 |
79 |
397 |
|||||
f) |
Miscellaneous income |
|
75 |
|
426 |
448 |
|
574 |
826 |
|
- |
2 |
||
|
Total (I+II) |
|
|
4577 |
|
26002 |
30154 |
|
18243 |
21621 |
|
4171 |
16101 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
Not Available |
3552 |
15977 |
21542 |
8846 |
10775 |
2154 |
10491 |
|||||
a) |
Interest on deposits |
3103 |
14925 |
20085 |
7467 |
9803 |
1472 |
8091 |
||||||
b) |
Interest on RBI/inter-bank borrowings |
229 |
525 |
264 |
642 |
77 |
220 |
993 |
||||||
c) |
Others |
220 |
527 |
1193 |
737 |
895 |
462 |
1407 |
||||||
IV. |
Operating expenses |
559 |
6267 |
6424 |
3744 |
4417 |
1052 |
2700 |
||||||
a) |
Payments to and provisions for employees |
158 |
4679 |
4705 |
2084 |
2413 |
213 |
656 |
||||||
b) |
Rent, taxes and lighting |
78 |
376 |
527 |
288 |
321 |
115 |
418 |
||||||
c) |
Printing and stationery |
15 |
137 |
161 |
164 |
182 |
49 |
128 |
||||||
d) |
Advertisement and publicity |
3 |
159 |
44 |
55 |
153 |
88 |
224 |
||||||
e) |
Depreciation on Bank's property |
94 |
133 |
192 |
299 |
300 |
77 |
150 |
||||||
f) |
Directors' fees, allowances and expenses |
9 |
3 |
2 |
7 |
9 |
7 |
13 |
||||||
g) |
Auditors' fees and expenses |
1 |
10 |
11 |
9 |
11 |
2 |
6 |
||||||
h) |
Law charges |
47 |
1 |
4 |
18 |
42 |
5 |
5 |
||||||
i) |
Postage, telegrams, telephones, etc. |
9 |
178 |
165 |
196 |
223 |
28 |
101 |
||||||
j) |
Repairs and maintenance |
18 |
36 |
46 |
170 |
189 |
218 |
407 |
||||||
k) |
Insurance |
28 |
94 |
107 |
62 |
71 |
14 |
36 |
||||||
l) |
Other expenditure |
100 |
460 |
460 |
393 |
503 |
236 |
556 |
||||||
V. |
Provisions and contingencies |
(40) |
3296 |
1410 |
3248 |
3010 |
205 |
1793 |
||||||
Total expenses |
4071 |
25540 |
29376 |
15838 |
18201 |
3410 |
14984 |
|||||||
VI. |
Profit (loss) |
|
506 |
|
462 |
777 |
|
2405 |
3420 |
|
761 |
1116 |
||
Total (III+IV+V+VI) |
|
|
4577 |
|
26002 |
30154 |
|
18243 |
21621 |
|
4171 |
16101 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
|||||||||||
United Western Bank |
UTI Bank |
Vysya Bank |
|||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(65) |
(66) |
|
(67) |
(68) |
|
(69) |
(70) |
Income |
|||||||||||
I. |
Interest earned |
18769 |
23204 |
12890 |
15765 |
56144 |
63966 |
||||
a) |
Interest/discount on advances/bills |
11731 |
15147 |
8540 |
11561 |
35803 |
43127 |
||||
b) |
Income on investments |
6152 |
7090 |
2963 |
3550 |
17551 |
19364 |
||||
c) |
Interest on balances with RBI and other |
515 |
788 |
1368 |
372 |
2375 |
1395 |
||||
inter-bank funds |
|||||||||||
d) |
Others |
371 |
178 |
19 |
282 |
416 |
80 |
||||
II. |
Other income |
3893 |
5713 |
1912 |
2410 |
11839 |
10090 |
||||
a) |
Commission, exchange, brokerage, etc. |
1750 |
2240 |
1153 |
1272 |
5096 |
5216 |
||||
b) |
Net profit (loss) on sale of investments |
242 |
884 |
(40) |
401 |
1089 |
747 |
||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
(393) |
- |
83 |
154 |
||||
d) |
Net profit (loss) on sale of land, building |
- |
(1) |
- |
(5) |
- |
1 |
||||
& other assets |
|||||||||||
e) |
Net profit (loss) on exchange transaction |
578 |
750 |
393 |
195 |
1809 |
2112 |
||||
f) |
Miscellaneous income |
1322 |
1840 |
|
719 |
548 |
|
3845 |
1860 |
||
|
Total (I+II) |
|
22663 |
28917 |
|
14803 |
18175 |
|
67983 |
74055 |
|
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
12898 |
16720 |
10133 |
12207 |
44690 |
51384 |
||||
a) |
Interest on deposits |
10908 |
15781 |
8766 |
11227 |
37644 |
48089 |
||||
b) |
Interest on RBI/inter-bank borrowings |
1990 |
938 |
1189 |
579 |
5346 |
2094 |
||||
c) |
Others |
- |
- |
178 |
401 |
1700 |
1200 |
||||
IV. |
Operating expenses |
5396 |
6351 |
1834 |
2641 |
10096 |
11500 |
||||
a) |
Payments to and provisions for employees |
3598 |
4103 |
413 |
514 |
6242 |
6817 |
||||
b) |
Rent, taxes and lighting |
320 |
368 |
475 |
536 |
923 |
1379 |
||||
c) |
Printing and stationery |
88 |
45 |
32 |
35 |
232 |
296 |
||||
d) |
Advertisement and publicity |
31 |
38 |
20 |
89 |
269 |
230 |
||||
e) |
Depreciation on Bank's property |
608 |
889 |
364 |
627 |
693 |
710 |
||||
f) |
Directors' fees, allowances and expenses |
3 |
4 |
1 |
1 |
4 |
30 |
||||
g) |
Auditors' fees and expenses |
18 |
22 |
5 |
6 |
19 |
23 |
||||
h) |
Law charges |
22 |
18 |
38 |
14 |
14 |
14 |
||||
i) |
Postage, telegrams, telephones, etc. |
102 |
111 |
75 |
123 |
211 |
273 |
||||
j) |
Repairs and maintenance |
56 |
73 |
51 |
98 |
248 |
323 |
||||
k) |
Insurance |
131 |
192 |
48 |
58 |
239 |
221 |
||||
l) |
Other expenditure |
420 |
488 |
312 |
541 |
1002 |
1184 |
||||
V. |
Provisions and contingencies |
2962 |
3688 |
1690 |
1804 |
2625 |
4660 |
||||
Total expenses |
21257 |
26759 |
13684 |
16653 |
57411 |
67544 |
|||||
VI. |
Profit (loss) |
1406 |
2158 |
|
1119 |
1522 |
|
10571 |
6512 |
||
Total (III+IV+V+VI) |
|
22663 |
28917 |
|
14803 |
18175 |
|
67983 |
74055 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |