(Amount in ` Billion)

Number of reporting banks

6

6

20

20

26

26

I. Interest Earned

1435.55

1637.68

3411.77

3911.09

4847.32

5548.77

a) Interest/Discount earned on advances/bills

1102.25

1252.56

2599.36

2955.66

3701.61

4208.22

b) Income on investments

313.18

359.54

758.47

881.30

1071.65

1240.85

c) Interest on balances with RBI and other inter-bank funds

7.15

10.06

38.74

53.16

45.89

63.22

d) Others

12.97

15.51

15.20

20.96

28.17

36.48

II. Other Income

178.23

197.44

325.77

370.37

504.00

567.81

a) Commission, exchange and brokerage

147.70

141.15

133.87

143.40

281.58

284.54

b) Net profit (loss) on sale of investments

-5.48

16.55

43.94

61.79

38.46

78.34

c) Net profit (loss) on revaluation of investments

-

-0.04

-1.06

0.19

-1.06

0.15

d) Net profit (loss) on sale of land building and other assets

-0.47

-0.42

0.10

0.15

-0.37

-0.27

e) Net profit (loss) on exchange transactions

16.43

19.75

45.53

46.91

61.96

66.66

f) Miscellaneous income

20.05

20.46

103.38

119.41

123.43

139.87

Total (I+II)

1613.78

1835.12

3737.53

4281.46

5351.31

6116.58

III. Interest Expended

888.61

1065.33

2397.28

2813.96

3285.89

3879.29

a) Interest on deposits

791.79

962.66

2188.09

2602.31

2979.88

3564.97

b) Interest on RBI/ Inter - bank borrowings

42.80

46.46

77.66

78.53

120.46

125.00

c) Others

54.02

56.21

131.53

133.11

185.55

189.32

IV. Operating Expenses

327.30

370.94

574.75

647.18

902.05

1018.12

a) Payments to and provisions for employees

211.88

232.68

362.85

408.62

574.73

641.30

b) Rent, taxes and lighting

26.52

30.95

42.24

49.54

68.76

80.49

c) Printing and stationery

3.47

3.74

5.25

5.95

8.72

9.70

d) Advertisement and publicity

2.63

4.55

5.21

5.37

7.84

9.91

e) Depreciation on bank's property

12.83

14.54

22.49

25.01

35.32

39.55

f) Directors' fees, allowances and expenses

0.02

0.03

0.18

0.21

0.20

0.24

g) Auditors' fees and expenses

1.92

1.82

4.20

3.75

6.12

5.57

h) Law charges

1.43

1.58

2.43

2.58

3.85

4.16

i) Postage, telegrams, telephones, etc

4.92

5.80

7.90

8.58

12.82

14.38

j) Repairs and maintenance

4.41

4.73

11.77

12.97

16.18

17.70

k) Insurance

12.62

15.84

29.38

31.28

42.01

47.12

l) Other expenditure

44.65

54.67

80.85

93.33

125.51

148.00

V. Net Interest Income (I-III)

546.94

572.34

1014.49

1097.13

1561.43

1669.48

VI. Provisions and Contingencies

244.54

221.01

423.70

492.33

668.24

713.34

VII. Operating Profit (I+II-III-IV)

397.87

398.84

765.50

820.32

1163.37

1219.17

VIII. Profit (Loss) during the year

153.34

177.83

341.80

327.99

495.14

505.83

Notes : 1. $ Includes IDBI Bank Ltd.
Source : Annual accounts of banks of respective years.

TABLE 9.1 : BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS IN INDIA - 2011-12 AND 2012-13 AS ON MARCH 31 (Contd.)

(Amount in ` Billion)

I. Interest Earned

325.80

399.28

1019.75

1265.59

1345.56

1664.86

a) Interest/Discount earned on advances/bills

248.36

303.66

726.81

911.95

975.17

1215.61

b) Income on investments

74.42

91.30

269.87

327.85

344.29

419.14

c) Interest on balances with RBI and other inter-bank funds

2.53

3.80

7.85

10.69

10.39

14.48

d) Others

0.48

0.53

15.22

15.10

15.71

15.63

II. Other Income

33.95

41.45

216.53

256.48

250.48

297.93

a) Commission, exchange and brokerage

15.23

17.14

162.16

185.03

177.39

202.17

b) Net profit (loss) on sale of investments

2.94

7.14

4.87

16.66

7.81

23.81

c) Net profit (loss) on revaluation of investments

-

0.11

-4.95

-0.94

-4.95

-0.82

d) Net profit (loss) on sale of land and other assets

0.10

0.02

0.17

0.34

0.27

0.36

e) Net profit (loss) on exchange transactions

4.33

4.45

35.89

37.27

40.22

41.72

f) Miscellaneous income

11.35

12.59

18.39

18.10

29.74

30.69

Total (I+II)

359.75

440.73

1236.28

1522.06

1596.03

1962.79

III. Interest Expended

225.06

278.60

642.79

792.73

867.84

1071.33

a) Interest on deposits

210.10

257.25

490.09

606.96

700.19

864.22

b) Interest on RBI/ Inter - bank borrowings

6.67

9.78

58.17

83.21

64.84

92.99

c) Others

8.29

11.57

94.52

102.56

102.81

114.13

IV. Operating Expenses

65.40

77.46

274.90

327.39

340.30

404.85

a) Payments to and provisions for employees

37.76

43.71

109.83

127.66

147.59

171.37

b) Rent, taxes and lighting

5.71

7.42

24.90

29.33

30.61

36.75

c) Printing and stationery

0.85

0.93

4.90

6.02

5.75

6.95

d) Advertisement and publicity

1.13

1.17

4.57

6.10

5.71

7.27

e) Depreciation on bank's property

3.38

4.21

16.54

17.65

19.92

21.86

f) Directors' fees, allowances and expenses

0.06

0.07

0.04

0.05

0.10

0.12

g) Auditors' fees and expenses

0.23

0.28

0.08

0.09

0.32

0.37

h) Law charges

0.18

0.19

1.28

1.51

1.46

1.71

i) Postage, telegrams, telephones, etc

1.31

1.50

9.09

10.43

10.40

11.94

j) Repairs and maintenance

1.57

1.89

18.96

22.53

20.52

24.42

k) Insurance

2.66

3.02

8.08

9.20

10.75

12.22

l) Other expenditure

10.55

13.07

76.62

96.81

87.17

109.88

V. Net Interest Income (I-III)

100.75

120.68

376.97

472.86

477.71

593.53

VI. Provisions and Contingencies

30.05

35.27

130.66

161.38

160.71

196.65

VII. Operating Profit (I+II-III-IV)

69.29

84.67

318.60

401.94

387.89

486.61

VIII. Profit (Loss) during the year

39.24

49.40

187.94

240.56

227.18

289.95

Source : Annual accounts of banks of respective years.

TABLE 9.1 : BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS IN INDIA - 2011-12 AND 2012-13 AS ON MARCH 31 (Concld.)

(Amount in ` Billion)

Number of reporting banks

41

43

87

89

I. Interest Earned

359.97

422.49

6552.84

7636.12

a) Interest/Discount earned on advances/bills

204.29

235.71

4881.06

5659.54

b) Income on investments

146.88

174.24

1562.82

1834.23

c) Interest on balances with RBI and other inter-bank funds

11.16

11.47

67.44

89.18

d) Others

-2.36

1.06

41.52

53.17

II. Other Income

108.96

112.13

863.44

977.87

a) Commission, exchange and brokerage

68.55

62.26

527.52

548.98

b) Net profit (loss) on sale of investments

-11.37

4.79

34.90

106.93

c) Net profit (loss) on revaluation of investments

1.53

0.59

-4.48

-0.08

d) Net profit (loss) on sale of land and other assets

1.18

0.88

1.08

0.98

e) Net profit (loss) on exchange transactions

39.13

36.62

141.31

145.00

f) Miscellaneous income

9.93

6.99

163.10

177.54

Total (I+II)

468.92

534.61

7416.27

8613.98

III. Interest Expended

149.82

187.41

4303.56

5138.03

a) Interest on deposits

112.26

131.87

3792.33

4561.05

b) Interest on RBI/ Inter - bank borrowings

29.66

38.10

214.96

256.08

c) Others

7.90

17.44

296.26

320.89

IV. Operating Expenses

133.37

142.88

1375.72

1565.85

a) Payments to and provisions for employees

57.64

60.17

779.95

872.84

b) Rent, taxes and lighting

9.00

10.28

108.37

127.52

c) Printing and stationery

1.30

1.29

15.77

17.94

d) Advertisement and publicity

6.42

7.56

19.97

24.75

e) Depreciation on bank's property

4.53

4.59

59.77

65.99

f) Directors' fees, allowances and expenses

-

-

0.30

0.36

g) Auditors' fees and expenses

0.08

0.10

6.52

6.05

h) Law charges

1.40

1.24

6.71

7.11

i) Postage, telegrams, telephones, etc

6.03

6.40

29.26

32.71

j) Repairs and maintenance

4.44

5.00

41.14

47.11

k) Insurance

3.00

3.22

55.75

62.57

l) Other expenditure

39.53

43.04

252.20

300.92

V. Net Interest Income (I-III)

210.14

235.08

2249.28

2498.09

VI. Provisions and Contingencies

91.47

88.46

920.42

998.45

VII. Operating Profit (I+II-III-IV)

185.73

204.33

1737.00

1910.10

VIII. Profit (Loss) during the year

94.26

115.86

816.58

911.65

Source : Annual accounts of banks of respective years.