(Amount in Rs. lakh)

Items

Lord Krishna Bank

Nainital Bank

Nedungadi Bank #

Ratnakar Bank

2002

2003

2002

2003

2002

2003

2002

2003

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I. Interest Earned

14413

15552

6325

6738

15534

6420

6498

a) Interest/discount on advances/bills

7574

8622

1508

1742

8709

3572

3803

b) Income on Investments

6254

6375

3649

3687

6343

2264

2241

c) Interest on balances with

524

534

1164

1305

476

577

453

RBI and other inter-bank funds

d) Others

61

21

4

3

6

7

0

II. Other income

7532

6737

342

476

7004

2678

1936

a) Commission, exchange and brokerage

882

824

180

162

892

196

221

b) Net Profit (loss) on sale of investments

6054

4796

20

170

5218

2238

1502

c) Net Profit (loss) on revaluation of investments

0

0

0

0

0

0

0

d) Net Profit (loss) on sale of land, building & other assets

0

1

0

0

2

5

0

e) Net Profit (loss) on exchange transaction

0

258

0

0

346

0

0

f) Miscellaneous income

596

859

142

145

546

238

214

Total (I+II)

21945

22289

6666

7214

22538

9098

8434

Expenditure & Provisions

III. Interest expended

13087

12918

3761

3897

14534

4445

4506

a) Interest on deposits

12207

12472

3760

3894

14062

4384

4469

b) Interest on RBI/inter-bank borrowings

241

81

0

1

13

60

37

c) Others

639

364

1

1

459

0

0

IV. Operating expenses

3806

4235

1691

2159

4538

2131

1906

a) Payments to and provisions for employees

1639

1809

1253

1617

3007

1385

1115

b) Rent, taxes and lighting

727

799

130

146

467

226

257

c) Printing and stationery

79

97

23

36

65

28

31

d) Advertisement and publicity

116

116

5

4

23

6

8

e) Depreciation on Bank's property

276

406

44

104

269

295

296

f) Directors' fees, allowances and expenses

2

3

3

4

9

5

6

g) Auditors' fees and expenses

11

20

5

7

9

5

3

h) Law charges

7

8

10

9

6

9

6

i) Postage, telegrams, telephones, etc.

107

110

35

35

54

32

31

j) Repairs and maintenance

39

54

8

12

2

15

20

k) Insurance

36

84

30

31

76

30

31

l) Other expenditure

767

729

146

155

551

96

102

V. Provisions and contingencies

3081

2831

641

400

3339

1837

1060

Total expenses @

16893

17153

5452

6055

19072

6576

6412

VI. Profit (loss)

1971

2305

573

758

127

684

961

Total (III+IV+V+VI)

21945

22289

6666

7214

22538

9098

8434

(Amount in Rs. lakh)

Items

Sangli Bank

SBI Commercial & Intl. Bank

South Indian Bank

Tamilnad Mercantile Bank

2002

2003

2002

2003

2002

2003

2002

2003

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

Income

I. Interest Earned

13866

13896

5691

4890

61547

65534

43289

47158

a) Interest/discount on advances/bills

5651

6046

2800

1627

35991

37253

20819

21736

b) Income on Investments

5290

5129

2236

1922

23593

26157

21504

24424

c) Interest on balances with

2703

2273

636

775

1963

2125

926

814

RBI and other inter-bank funds

d) Others

223

448

19

566

0

0

40

184

II. Other income

3400

3163

1606

1258

13854

18239

6246

5937

a) Commission, exchange and brokerage

578

527

195

165

2351

1924

3473

3567

b) Net Profit (loss) on sale of investments

2507

2319

1020

286

8646

13261

52

11

c) Net Profit (loss) on revaluation of investments

0

0

0

0

0

0

0

0

d) Net Profit (loss) on sale of land, building & other assets

1

0

0

1

5

0

-1

-6

e) Net Profit (loss) on exchange transaction

102

94

211

98

1046

962

768

889

f) Miscellaneous income

215

222

178

706

1805

2093

1954

1476

Total (I+II)

17266

17059

7296

6147

75401

83773

49535

53095

Expenditure & Provisions

III. Interest expended

9675

9920

5143

3626

46019

47942

28948

30242

a) Interest on deposits

9623

9892

4851

3534

44920

46858

27897

29792

b) Interest on RBI/inter-bank borrowings

43

21

188

67

260

30

57

33

c) Others

9

6

104

25

839

1054

994

417

IV. Operating expenses

4981

5121

844

885

12091

14184

8534

9281

a) Payments to and provisions for employees

3861

3904

289

316

8440

9436

5078

5544

b) Rent, taxes and lighting

349

375

138

154

1067

1143

765

817

c) Printing and stationery

37

36

11

11

250

455

233

210

d) Advertisement and publicity

5

10

3

2

95

131

121

99

e) Depreciation on Bank's property

278

271

104

110

442

696

488

888

f) Directors' fees, allowances and expenses

2

1

5

5

12

18

9

15

g) Auditors' fees and expenses

11

14

3

3

40

41

25

31

h) Law charges

7

7

35

25

15

13

10

18

i) Postage, telegrams, telephones, etc.

62

70

9

19

332

451

150

25

j) Repairs and maintenance

49

55

23

19

93

300

284

335

k) Insurance

68

73

46

44

289

322

180

204

l) Other expenditure

253

304

177

176

1016

1178

1191

1094

V. Provisions and contingencies

1606

843

986

2492

11049

14414

6518

7196

Total expenses @

14656

15040

5986

4510

58111

62126

37482

39523

VI. Profit (loss)

1004

1175

324

-855

6241

7233

5535

6376

Total (III+IV+V+VI)

17266

17059

7296

6147

75401

83773

49535

53095

(Amount in Rs. lakh)

Items

United Western Bank

UTI Bank

2002

2003

2002

2003

(57)

(58)

(59)

(60)

Income

I. Interest Earned

49241

47714

117953

146481

a) Interest/discount on advances/bills

28851

28524

53957

73614

b) Income on Investments

17548

17454

60267

57623

c) Interest on balances with

2610

1557

3057

3682

RBI and other inter-bank funds

d) Others

233

179

672

11562

II. Other income

15259

14474

41587

41047

a) Commission, exchange and brokerage

3049

2798

9762

14377

b) Net Profit (loss) on sale of investments

10173

9004

30544

24614

c) Net Profit (loss) on revaluation of investments

-147

0

0

0

d) Net Profit (loss) on sale of land, building & other assets

7

14

-78

-153

e) Net Profit (loss) on exchange transaction

808

804

865

1667

f) Miscellaneous income

1370

1854

494

542

Total (I+II)

64500

62189

159540

187528

Expenditure & Provisions

III. Interest expended

39110

35826

98000

114241

a) Interest on deposits

36807

33778

85663

105692

b) Interest on RBI/inter-bank borrowings

1042

638

5306

2668

c) Others

1262

1409

7031

5881

IV. Operating expenses

10044

12557

20547

32285

a) Payments to and provisions for employees

6674

8587

4957

8523

b) Rent, taxes and lighting

667

768

3601

4851

c) Printing and stationery

217

221

668

1306

d) Advertisement and publicity

62

60

664

757

e) Depreciation on Bank's property

1033

1090

3663

4891

f) Directors' fees, allowances and expenses

7

10

17

24

g) Auditors' fees and expenses

44

57

28

30

h) Law charges

47

74

224

273

i) Postage, telegrams, telephones, etc.

143

136

1407

1879

j) Repairs and maintenance

105

104

1889

3154

k) Insurance

213

226

636

921

l) Other expenditure

831

1224

2793

5676

V. Provisions and contingencies

12770

11056

27579

21784

Total expenses @

49154

48382

118547

146526

VI. Profit (loss)

2576

2750

13414

19218

Total (III+IV+V+VI)

64500

62189

159540

187528