Table 5 : Bank Group-Wise Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 - ஆர்பிஐ - Reserve Bank of India
Table 5 : Bank Group-Wise Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000
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(Amount in Rs. lakh) |
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For the year ended March 31 |
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Items |
State Bank of India |
Nationalised Banks |
Other Scheduled |
Foreign Banks |
Regional Rural |
Total |
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and its Associates |
Banks |
Commercial Banks |
Banks |
Banks |
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1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
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(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
Number of reporting banks |
8 |
8 |
19 |
19 |
33 |
32 |
44 |
42 |
196 |
192 |
300 |
293 |
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I. |
Interest earned |
2512615 |
2918666 |
4434816 |
5027306 |
1000400 |
1187113 |
785713 |
817606 |
327739 |
384242 |
9061283 |
10334933 |
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a) |
Interest/discount on advances/bills |
1165981 |
1293134 |
2141332 |
2429874 |
530137 |
603265 |
440318 |
426144 |
113697 |
136302 |
4391465 |
4888719 |
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b) |
Income on Investments |
1012145 |
1265822 |
1968766 |
2308676 |
384349 |
499522 |
272868 |
329819 |
117462 |
138909 |
3755590 |
4542748 |
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c) |
Interest on balances with |
133859 |
183371 |
245696 |
240999 |
68938 |
71137 |
59491 |
49895 |
89857 |
95650 |
597841 |
641052 |
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RBI and other inter-bank funds |
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d) |
Others |
200630 |
176339 |
79022 |
47757 |
16976 |
13189 |
13036 |
11748 |
6723 |
13381 |
316387 |
262414 |
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II. |
Other income |
422324 |
482791 |
516952 |
661280 |
145013 |
228626 |
186256 |
215219 |
15733 |
20132 |
1286278 |
1608048 |
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a) |
Commission, exchange and brokerage |
309949 |
341433 |
258300 |
286318 |
62421 |
80103 |
111516 |
117417 |
5550 |
6723 |
747736 |
831994 |
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b) |
Net Profit (loss) on sale and revaluation of |
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investments 8942 |
44906 |
47512 |
148908 |
20965 |
80735 |
9702 |
23151 |
|
1271 |
87121 |
298971 |
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i) Profit on sale and revaluation of |
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investments |
9967 |
45436 |
53909 |
154593 |
22746 |
81668 |
15788 |
24199 |
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1292 |
102410 |
307188 |
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ii) Loss on sale and revaluation of |
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investments |
1025 |
530 |
6397 |
5685 |
1781 |
933 |
6086 |
1048 |
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21 |
15289 |
8217 |
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c) |
Net Profit (loss) on sale of land, building |
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& other assets (104) |
138 |
653 |
879 |
(1) |
(126) |
151 |
(6) |
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21 |
699 |
906 |
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i) Profit on sale of land, building & other assets |
25 |
139 |
738 |
976 |
72 |
98 |
501 |
736 |
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21 |
1336 |
1970 |
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ii) Loss on sale of land, building & other assets |
129 |
1 |
85 |
97 |
73 |
224 |
350 |
742 |
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|
637 |
1064 |
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d) |
Net Profit (loss) on exchange transaction |
71272 |
47473 |
98430 |
88997 |
26089 |
21610 |
60891 |
57250 |
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|
256682 |
215330 |
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i) Profit on exchange transaction |
71272 |
47473 |
100909 |
90728 |
26089 |
21648 |
63406 |
58562 |
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|
261676 |
218411 |
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ii) Loss on exchange transaction |
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2479 |
1731 |
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38 |
2515 |
1312 |
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|
4994 |
3081 |
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e) |
Miscellaneous income |
32265 |
48841 |
112057 |
136178 |
35539 |
46304 |
3996 |
17407 |
10183 |
12117 |
194040 |
260847 |
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Total (I+II) |
2934939 |
3401457 |
4951768 |
5688586 |
1145413 |
1415739 |
971969 |
1032825 |
343472 |
404374 |
10347561 |
11942981 |
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III. |
Interest expended |
1698284 |
1989707 |
3085692 |
3547822 |
784145 |
895554 |
520057 |
498620 |
213038 |
251249 |
6301216 |
7182952 |
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a) |
Interest on deposits |
1593620 |
1879073 |
2964137 |
3375027 |
726227 |
812068 |
406892 |
349723 |
187230 |
221997 |
5878106 |
6637888 |
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b) |
Interest on RBI/inter-bank borrowings |
54041 |
63939 |
59126 |
71243 |
28740 |
42265 |
95979 |
123475 |
19579 |
21767 |
257465 |
322689 |
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c) |
Others |
50623 |
46695 |
62429 |
101552 |
29178 |
41221 |
17186 |
25422 |
6229 |
7485 |
165645 |
222375 |
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IV. |
Operating expenses |
771850 |
827837 |
1273131 |
1418275 |
213790 |
252910 |
257951 |
258830 |
105602 |
103488 |
2622324 |
2861342 |
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a) |
Payments to and provisions for employees |
549289 |
592640 |
934678 |
1043518 |
102892 |
124341 |
76988 |
86240 |
85397 |
89391 |
1749244 |
1936130 |
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b) |
Rent, taxes and lighting |
49662 |
55827 |
85192 |
95723 |
21487 |
25532 |
22819 |
24085 |
2234 |
2544 |
181394 |
203711 |
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c) |
Printing and stationery |
11947 |
12532 |
17754 |
18900 |
4615 |
6141 |
5839 |
6141 |
1147 |
1193 |
41302 |
44907 |
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d) |
Advertisement and publicity |
2602 |
2158 |
4681 |
4815 |
3539 |
4276 |
10787 |
12009 |
33 |
51 |
21642 |
23309 |
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e) |
Depreciation on banks property |
38471 |
44707 |
44847 |
56500 |
33879 |
34285 |
18596 |
22546 |
732 |
927 |
136525 |
158965 |
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f) |
Directors fees, allowances and expenses |
131 |
128 |
357 |
321 |
317 |
371 |
117 |
118 |
7 |
15 |
929 |
953 |
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g) |
Auditors fees and expenses |
2964 |
3364 |
6590 |
7947 |
556 |
641 |
235 |
278 |
177 |
295 |
10522 |
12525 |
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h) |
Law charges |
2131 |
4794 |
5598 |
6279 |
1017 |
1087 |
2031 |
2016 |
98 |
106 |
10875 |
14282 |
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i) |
Postage, telegrams, telephones, etc. |
9740 |
8705 |
15101 |
15390 |
6681 |
7420 |
14893 |
15194 |
718 |
813 |
47133 |
47522 |
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j) |
Repairs and maintenance |
5959 |
6821 |
15821 |
17522 |
5818 |
7217 |
12545 |
14565 |
228 |
244 |
40371 |
46369 |
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k) |
Insurance |
9580 |
12463 |
25908 |
25051 |
4333 |
5173 |
4508 |
4751 |
1348 |
1492 |
45677 |
48930 |
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l) |
Other expenditure |
89374 |
83698 |
116604 |
126309 |
28656 |
36426 |
88593 |
70887 |
13483 |
6417 |
336710 |
323737 |
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V. |
Provisions and contingencies |
318240 |
316227 |
413701 |
478789 |
76607 |
144821 |
124396 |
171867 |
8443 |
10638 |
941387 |
1122342 |
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Total expenses |
2788374 |
3133771 |
4772524 |
5444886 |
1074542 |
1293285 |
902404 |
929317 |
327083 |
365375 |
9864927 |
11166636 |
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VI. |
Profit (loss) |
146565 |
267686 |
179244 |
243700 |
70871 |
122454 |
69565 |
103506 |
16389 |
38997 |
482634 |
776347 |
Note |
Figures in bracket indicate loss. |
Source: Annual accounts of banks of respective years. |
Earnings, Expenses and Profits of Scheduled Commercial Banks : 1997-98 to 1999-2000 |
(For the year ended March 31) |
Composition of Total Earnings of Scheduled Commercial Banks: 1998-99 and 1999-2000 |
(For the year ended March 31) |
Composition of Total Expenses* of Scheduled Commercial Banks: 1998-99 and 1999-2000 |
(For the year ended March 31) |