Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 4 of 7) - ਆਰਬੀਆਈ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 4 of 7)
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
Karur Vysya |
Lakshmi Vilas |
Lord Krishna |
Nainital |
|||||||
Items |
Bank |
Bank |
Bank |
Bank |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
Income |
||||||||||
I. |
Interest Earned |
26688 |
33762 |
15499 |
18684 |
10083 |
9688 |
3608 |
4265 |
|
a) |
Interest/discount on advances/bills |
16239 |
19321 |
9611 |
11266 |
6810 |
6074 |
1159 |
1189 |
|
b) |
Income on investments |
9508 |
12620 |
5262 |
6317 |
2832 |
3466 |
1389 |
1786 |
|
c) |
Interest on balances with |
901 |
1674 |
385 |
773 |
304 |
148 |
1044 |
1281 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
40 |
147 |
241 |
328 |
137 |
- |
16 |
9 |
|
II. |
Other income |
6557 |
4073 |
3488 |
3859 |
1337 |
1369 |
162 |
199 |
|
a) |
Commission, exchange and brokerage |
2795 |
3448 |
2186 |
2374 |
605 |
522 |
124 |
139 |
|
b) |
Net profit on sale of investments |
2771 |
(761) |
502 |
503 |
60 |
241 |
1 |
3 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
2 |
3 |
2 |
(3) |
1 |
- |
- |
- |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
517 |
594 |
391 |
339 |
- |
- |
- |
- |
|
f) |
Miscellaneous income |
472 |
789 |
407 |
646 |
671 |
606 |
36 |
58 |
|
|
Total(I+II) |
33244 |
37836 |
18988 |
22543 |
11420 |
11057 |
3770 |
4464 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
18404 |
24691 |
11329 |
14343 |
8369 |
8486 |
2247 |
2566 |
|
a) |
Interest on deposits |
17335 |
23042 |
10568 |
13549 |
7431 |
7607 |
2240 |
2564 |
|
b) |
Interest on RBI/inter-bank borrowings |
509 |
703 |
110 |
720 |
54 |
3 |
6 |
2 |
|
c) |
Others |
559 |
947 |
650 |
74 |
885 |
876 |
2 |
- |
|
IV. |
Operating expenses |
6526 |
6979 |
4866 |
5777 |
1780 |
1853 |
998 |
1111 |
|
a) |
Payments to and provisions for employees |
3770 |
4109 |
2624 |
3233 |
780 |
944 |
719 |
813 |
|
b) |
Rent, taxes and lighting |
312 |
339 |
344 |
400 |
234 |
317 |
87 |
90 |
|
c) |
Printing and stationery |
126 |
134 |
87 |
96 |
21 |
21 |
17 |
13 |
|
d) |
Advertisement and publicity |
184 |
122 |
47 |
32 |
41 |
10 |
3 |
4 |
|
e) |
Depreciation on bank's property |
1182 |
1229 |
751 |
697 |
393 |
276 |
16 |
18 |
|
f) |
Directors' fees, allowances and expenses |
11 |
11 |
1 |
6 |
4 |
6 |
2 |
3 |
|
g) |
Auditors' fees and expenses |
11 |
10 |
6 |
8 |
2 |
2 |
5 |
2 |
|
h) |
Law charges |
3 |
11 |
5 |
6 |
1 |
7 |
7 |
5 |
|
i) |
Postage, telegrams, telephones, etc. |
267 |
303 |
167 |
192 |
40 |
50 |
23 |
29 |
|
j) |
Repairs and maintenance |
94 |
119 |
21 |
23 |
18 |
6 |
7 |
6 |
|
k) |
Insurance |
109 |
135 |
63 |
84 |
36 |
34 |
16 |
17 |
|
l) |
Other expenditure |
457 |
458 |
749 |
999 |
209 |
181 |
97 |
111 |
|
V. |
Provisions and contingencies |
3960 |
2461 |
634 |
990 |
865 |
589 |
366 |
475 |
|
Total expenses@ |
24930 |
31671 |
16194 |
20120 |
10150 |
10340 |
3246 |
3677 |
||
VI. |
Profit |
4354 |
3704 |
2159 |
1433 |
405 |
128 |
158 |
312 |
|
|
Total (III+IV+V+VI) |
33244 |
37836 |
18988 |
22543 |
11420 |
11057 |
3770 |
4464 |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
Nedungadi |
Ratnakar |
Sangli |
SBI Commercial & |
|||||||
Items |
Bank |
Bank |
Bank |
Intl.Bank |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
Income |
||||||||||
I. |
Interest Earned |
10220 |
14685 |
3303 |
4023 |
11072 |
11314 |
5349 |
6860 |
|
a) |
Interest/discount on advances/bills |
6787 |
9152 |
2107 |
2475 |
4717 |
4578 |
2811 |
3060 |
|
b) |
Income on investments |
3236 |
5222 |
1082 |
1431 |
5238 |
5084 |
1449 |
2033 |
|
c) |
Interest on balances with |
197 |
268 |
115 |
101 |
990 |
1427 |
700 |
826 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
43 |
- |
17 |
127 |
225 |
389 |
941 |
|
II. |
Other income |
1661 |
1700 |
358 |
347 |
2514 |
1599 |
1274 |
1318 |
|
a) |
Commission, exchange and brokerage |
638 |
828 |
143 |
163 |
646 |
1189 |
407 |
428 |
|
b) |
Net profit on sale of investments |
379 |
91 |
142 |
99 |
1437 |
47 |
449 |
27 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
1 |
2 |
1 |
1 |
- |
1 |
- |
2 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
299 |
381 |
- |
- |
197 |
122 |
281 |
366 |
|
f) |
Miscellaneous income |
344 |
399 |
71 |
84 |
234 |
240 |
137 |
496 |
|
|
Total(I+II) |
11881 |
16385 |
3661 |
4370 |
13586 |
12914 |
6623 |
8178 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
7210 |
11360 |
2249 |
2799 |
7158 |
7863 |
4584 |
6035 |
|
a) |
Interest on deposits |
6838 |
10736 |
2045 |
2604 |
7039 |
7789 |
3714 |
5476 |
|
b) |
Interest on RBI/inter-bank borrowings |
25 |
195 |
108 |
86 |
93 |
53 |
530 |
467 |
|
c) |
Others |
347 |
429 |
96 |
109 |
27 |
21 |
340 |
91 |
|
IV. |
Operating expenses |
2852 |
3729 |
952 |
1138 |
3573 |
3804 |
600 |
748 |
|
a) |
Payments to and provisions for employees |
1912 |
2305 |
627 |
757 |
2751 |
3013 |
182 |
228 |
|
b) |
Rent, taxes and lighting |
175 |
288 |
96 |
117 |
261 |
281 |
80 |
95 |
|
c) |
Printing and stationery |
52 |
56 |
22 |
16 |
36 |
34 |
15 |
18 |
|
d) |
Advertisement and publicity |
42 |
29 |
4 |
6 |
3 |
2 |
6 |
7 |
|
e) |
Depreciation on bank's property |
90 |
101 |
69 |
115 |
129 |
82 |
98 |
109 |
|
f) |
Directors' fees, allowances and expenses |
9 |
8 |
1 |
2 |
1 |
1 |
8 |
3 |
|
g) |
Auditors' fees and expenses |
6 |
7 |
4 |
4 |
5 |
5 |
2 |
2 |
|
h) |
Law charges |
2 |
3 |
2 |
5 |
4 |
6 |
60 |
33 |
|
i) |
Postage, telegrams, telephones, etc. |
30 |
45 |
24 |
25 |
49 |
58 |
- |
3 |
|
j) |
Repairs and maintenance |
2 |
6 |
5 |
6 |
31 |
27 |
19 |
26 |
|
k) |
Insurance |
36 |
48 |
13 |
19 |
50 |
52 |
37 |
49 |
|
l) |
Other expenditure |
496 |
833 |
84 |
64 |
254 |
242 |
93 |
174 |
|
V. |
Provisions and contingencies |
1094 |
487 |
160 |
129 |
2451 |
825 |
26 |
414 |
|
Total expenses@ |
10061 |
15089 |
3201 |
3937 |
10732 |
11668 |
5184 |
6782 |
||
VI. |
Profit |
726 |
808 |
300 |
304 |
402 |
421 |
1412 |
981 |
|
|
Total (III+IV+V+VI) |
11881 |
16385 |
3661 |
4370 |
13586 |
12914 |
6623 |
8178 |
Notes |
: |
1. @Excluding 'Provisions and Contingencies'. |
: |
2. Figures in bracket indicate loss. |
|
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
South Indian |
Tamilnad Mercantile |
Times |
United Western |
|||||||
Items |
Bank |
Bank |
Bank |
Bank |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
I. |
Interest Earned |
33869 |
39989 |
20768 |
24586 |
21395 |
28640 |
25942 |
33537 |
|
a) |
Interest/discount on advances/bills |
20428 |
23690 |
12167 |
12774 |
12746 |
15646 |
16224 |
20678 |
|
b) |
Income on investments |
12592 |
14823 |
8036 |
10991 |
8042 |
11688 |
8713 |
11183 |
|
c) |
Interest on balances with |
849 |
1477 |
518 |
643 |
564 |
1306 |
982 |
1560 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
47 |
179 |
44 |
- |
24 |
116 |
|
II. |
Other income |
2604 |
3690 |
3900 |
4201 |
4533 |
4060 |
7515 |
5316 |
|
a) |
Commission, exchange and brokerage |
1179 |
1510 |
2245 |
2447 |
1465 |
2334 |
2093 |
2440 |
|
b) |
Net profit on sale of investments |
188 |
280 |
121 |
45 |
2553 |
610 |
2949 |
415 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
(10) |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
8 |
11 |
5 |
- |
(1) |
(5) |
1 |
1 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
514 |
821 |
731 |
684 |
499 |
748 |
692 |
721 |
|
f) |
Miscellaneous income |
715 |
1068 |
798 |
1026 |
27 |
373 |
1781 |
1738 |
|
|
Total(I+II) |
36473 |
43679 |
24667 |
28786 |
25928 |
32700 |
33457 |
38853 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
26145 |
31178 |
13696 |
17356 |
17721 |
23204 |
18865 |
24527 |
|
a) |
Interest on deposits |
24901 |
29532 |
12859 |
16535 |
16573 |
21729 |
17957 |
23403 |
|
b) |
Interest on RBI/inter-bank borrowings |
98 |
366 |
27 |
46 |
608 |
964 |
908 |
1124 |
|
c) |
Others |
1146 |
1280 |
811 |
774 |
540 |
512 |
- |
- |
|
IV. |
Operating expenses |
7337 |
8983 |
4582 |
5508 |
4345 |
5648 |
6661 |
7944 |
|
a) |
Payments to and provisions for employees |
5396 |
6378 |
2646 |
3387 |
1169 |
1486 |
4222 |
5481 |
|
b) |
Rent, taxes and lighting |
603 |
709 |
365 |
410 |
649 |
791 |
484 |
546 |
|
c) |
Printing and stationery |
167 |
152 |
146 |
157 |
282 |
251 |
152 |
149 |
|
d) |
Advertisement and publicity |
33 |
42 |
94 |
60 |
183 |
190 |
28 |
32 |
|
e) |
Depreciation on bank's property |
238 |
290 |
294 |
342 |
523 |
661 |
875 |
675 |
|
f) |
Directors' fees, allowances and expenses |
2 |
3 |
6 |
12 |
11 |
5 |
4 |
7 |
|
g) |
Auditors' fees and expenses |
11 |
13 |
13 |
16 |
8 |
10 |
26 |
29 |
|
h) |
Law charges |
5 |
8 |
51 |
11 |
16 |
34 |
14 |
63 |
|
i) |
Postage, telegrams, telephones, etc. |
184 |
222 |
169 |
142 |
196 |
243 |
136 |
143 |
|
j) |
Repairs and maintenance |
52 |
66 |
166 |
239 |
415 |
589 |
90 |
85 |
|
k) |
Insurance |
134 |
171 |
84 |
100 |
100 |
129 |
122 |
152 |
|
l) |
Other expenditure |
511 |
928 |
549 |
634 |
795 |
1259 |
508 |
581 |
|
V. |
Provisions and contingencies |
916 |
2910 |
2574 |
2419 |
1381 |
1053 |
4578 |
2670 |
|
Total expenses@ |
33482 |
40161 |
18278 |
22864 |
22066 |
28852 |
25526 |
32471 |
||
VI. |
Profit |
2074 |
608 |
3815 |
3503 |
2481 |
2794 |
3353 |
3711 |
|
|
Total (III+IV+V+VI) |
36473 |
43679 |
24667 |
28786 |
25928 |
32700 |
33457 |
38853 |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
||||||||
For the year ended 31st March |
||||||||
UTI |
Vysya |
|||||||
Items |
Bank |
Bank |
||||||
1998 |
1999 |
1998 |
1999 |
|||||
|
|
|
(65) |
(66) |
(67) |
(68) |
||
Income |
I. |
Interest Earned |
25561 |
37328 |
64473 |
72549 |
a) |
Interest/discount on advances/bills |
16059 |
23682 |
37187 |
32470 |
|||
b) |
Income on investments |
8802 |
11673 |
22774 |
26340 |
|||
c) |
Interest on balances with |
585 |
1767 |
3881 |
9610 |
|||
RBI and other inter-bank funds |
||||||||
d) |
Others |
115 |
206 |
632 |
4128 |
|||
II. |
Other income |
6090 |
4663 |
13906 |
11161 |
|||
a) |
Commission, exchange and brokerage |
1747 |
3272 |
4789 |
5403 |
|||
b) |
Net profit on sale of investments |
3252 |
648 |
5987 |
1777 |
|||
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
|||
d) |
Net profit on sale of land, building & |
- |
(15) |
2 |
2 |
|||
others assets |
||||||||
e) |
Net profit on exchange transaction |
285 |
454 |
1578 |
2668 |
|||
f) |
Miscellaneous income |
806 |
304 |
1551 |
1312 |
|||
|
Total(I+II) |
31651 |
41991 |
78379 |
83710 |
|||
Expenditure & Provisions |
||||||||
III. |
Interest expended |
22219 |
30063 |
54094 |
63049 |
|||
a) |
Interest on deposits |
20537 |
26203 |
52373 |
61195 |
|||
b) |
Interest on RBI/inter-bank borrowings |
914 |
1483 |
632 |
960 |
|||
c) |
Others |
768 |
2377 |
1089 |
894 |
|||
IV. |
Operating expenses |
3976 |
5103 |
12777 |
14473 |
|||
a) |
Payments to and provisions for employees |
829 |
1202 |
7293 |
8674 |
|||
b) |
Rent, taxes and lighting |
1089 |
1265 |
1585 |
1491 |
|||
c) |
Printing and stationery |
108 |
142 |
304 |
342 |
|||
d) |
Advertisement and publicity |
60 |
83 |
154 |
128 |
|||
e) |
Depreciation on bank's property |
851 |
995 |
824 |
859 |
|||
f) |
Directors' fees, allowances and expenses |
4 |
1 |
26 |
23 |
|||
g) |
Auditors' fees and expenses |
9 |
17 |
28 |
39 |
|||
h) |
Law charges |
16 |
29 |
25 |
34 |
|||
i) |
Postage, telegrams, telephones, etc. |
158 |
175 |
370 |
464 |
|||
j) |
Repairs and maintenance |
154 |
450 |
394 |
475 |
|||
k) |
Insurance |
149 |
208 |
275 |
317 |
|||
l) |
Other expenditure |
548 |
537 |
1499 |
1626 |
|||
V. |
Provisions and contingencies |
3695 |
3718 |
3957 |
3135 |
|||
Total expenses@ |
26195 |
35166 |
66871 |
77522 |
||||
VI. |
Profit |
1762 |
3107 |
7552 |
3054 |
|||
|
Total (III+IV+V+VI) |
31651 |
41991 |
78379 |
83710 |
Notes |
: |
1. @Excluding 'Provisions and Contingencies'. |
: |
2. Figures in bracket indicate loss. |
|
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |