Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 1 of 7) - ஆர்பிஐ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 1 of 7)
STATE BANK OF INDIA AND ITS ASSOCIATES |
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(Amount in Rs. lakh) |
|||
For the year ended 31st March |
|||||||||||
State Bank of |
State Bank of |
State Bank of |
State Bank of |
||||||||
Items |
India |
Bikaner and Jaipur |
Hyderabad |
Indore |
|||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
|
Income |
|||||||||||
I. |
Interest Earned |
1495066 |
1587889 |
73654 |
85083 |
95548 |
103455 |
37822 |
40732 |
||
a) |
Interest/discount on advances/bills |
813747 |
782912 |
41728 |
45702 |
59995 |
56790 |
23672 |
23418 |
||
b) |
Income on Investments |
552151 |
639162 |
25226 |
33124 |
29914 |
42126 |
12361 |
15752 |
||
c) |
Interest on balances with |
72180 |
63155 |
4569 |
2436 |
3678 |
3458 |
1597 |
1328 |
||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
56988 |
102660 |
2131 |
3821 |
1961 |
1081 |
192 |
233 |
||
II. |
Other income |
264307 |
282017 |
12822 |
16265 |
14624 |
17029 |
5260 |
7259 |
||
a) |
Commission, exchange and brokerage |
180485 |
203777 |
10834 |
12378 |
10716 |
12656 |
4756 |
5133 |
||
b) |
Net Profit on sale of investments |
2586 |
11557 |
-72 |
1193 |
86 |
646 |
7 |
1084 |
||
c) |
Net Profit on sale of land, |
35 |
107 |
-6 |
2 |
6 |
11 |
4 |
4 |
||
building & other assets |
|||||||||||
d) |
Net Profit on exchange transaction |
69910 |
50550 |
2066 |
2692 |
3815 |
3717 |
492 |
615 |
||
e) |
Miscellaneous income |
11291 |
16026 |
- |
- |
- |
- |
- |
423 |
||
Total (I+II) |
1759373 |
1869906 |
86476 |
101348 |
110172 |
120485 |
43082 |
47991 |
|||
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
959143 |
1047321 |
46580 |
53690 |
60739 |
65072 |
22933 |
24923 |
||
a) |
Interest on deposits |
830082 |
958624 |
43629 |
50592 |
57427 |
61040 |
21955 |
24002 |
||
b) |
Interest on RBI/inter-bank borrowings |
48163 |
48124 |
49 |
251 |
1028 |
1311 |
57 |
26 |
||
c) |
Others |
80898 |
40572 |
2902 |
2847 |
2284 |
2721 |
920 |
895 |
||
IV. |
Operating expenses |
460467 |
472089 |
24204 |
28067 |
26498 |
26787 |
12402 |
13970 |
||
a) |
Payments to and provisions for employees |
332293 |
355775 |
18527 |
21460 |
17912 |
19610 |
8534 |
9543 |
||
b) |
Rent, taxes and lighting |
30308 |
34482 |
1673 |
1727 |
1773 |
2132 |
896 |
984 |
||
c) |
Printing and stationery |
7546 |
8458 |
426 |
476 |
587 |
747 |
174 |
205 |
||
d) |
Advertisement and publicity |
1172 |
1502 |
62 |
129 |
82 |
106 |
19 |
20 |
||
e) |
Depreciation on Bank's property |
9733 |
16407 |
489 |
606 |
751 |
1091 |
288 |
330 |
||
f) |
Directors' fees, allowances and expenses |
62 |
67 |
5 |
8 |
12 |
10 |
4 |
7 |
||
g) |
Auditors' fees and expenses |
1384 |
1676 |
109 |
141 |
126 |
158 |
55 |
77 |
||
h) |
Law charges |
1625 |
1168 |
47 |
54 |
74 |
82 |
34 |
39 |
||
i) |
Postage, telegrams, telephones, etc. |
5453 |
6197 |
475 |
588 |
402 |
450 |
273 |
315 |
||
j) |
Repairs and maintenance |
3738 |
4127 |
149 |
176 |
229 |
257 |
97 |
111 |
||
k) |
Insurance |
26558 |
6015 |
276 |
333 |
1731 |
-66 |
136 |
149 |
||
l) |
Other expenditure |
40594 |
36215 |
1966 |
2370 |
2817 |
2211 |
1888 |
2192 |
||
V. |
Provisions and contingencies |
204838 |
164376 |
11645 |
10544 |
17690 |
18914 |
6041 |
6325 |
||
Total expenses* |
1419610 |
1519410 |
70784 |
81757 |
87237 |
91859 |
35334 |
38894 |
|||
VI. |
Profit |
134925 |
186120 |
4048 |
9048 |
5245 |
9712 |
1706 |
2771 |
||
Total (III+IV+V+VI) |
1759373 |
1869906 |
86476 |
101348 |
110172 |
120485 |
43082 |
47991 |
|||
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(Amount in Rs. lakh) |
|||
|
For the year ended 31st March |
||||||||||
State Bank of |
State Bank of |
State Bank of |
State Bank of |
||||||||
Items |
Mysore |
Patiala |
Saurashtra |
Travancore |
|||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
|
Income |
|||||||||||
I. |
Interest Earned |
59979 |
61256 |
90761 |
94010 |
48601 |
50284 |
90873 |
98176 |
||
a) |
Interest/discount on advances/bills |
38209 |
36206 |
53647 |
51998 |
29210 |
28614 |
59979 |
55336 |
||
b) |
Income on Investments |
19459 |
22935 |
31587 |
34625 |
16941 |
19463 |
26931 |
37154 |
||
c) |
Interest on balances with |
1813 |
1374 |
4728 |
4972 |
1728 |
1695 |
2075 |
1851 |
||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
497 |
741 |
799 |
2415 |
722 |
511 |
1887 |
3834 |
||
II. |
Other income |
8725 |
9653 |
9214 |
9799 |
8009 |
9328 |
12419 |
14875 |
||
a) |
Commission, exchange and brokerage |
6387 |
6910 |
7401 |
8265 |
5910 |
6329 |
8775 |
9303 |
||
b) |
Net Profit on sale of investments |
498 |
347 |
-3 |
-150 |
414 |
1319 |
67 |
1422 |
||
c) |
Net Profit on sale of land, |
5 |
2 |
10 |
2 |
2 |
3 |
5 |
2 |
||
building & other assets |
|||||||||||
d) |
Net Profit on exchange transaction |
1468 |
1274 |
1803 |
1524 |
1332 |
1287 |
3247 |
3419 |
||
e) |
Miscellaneous income |
368 |
1120 |
3 |
158 |
350 |
390 |
324 |
730 |
||
Total (I+II) |
68704 |
70909 |
99975 |
103809 |
56610 |
59611 |
103291 |
113051 |
|||
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
36985 |
38127 |
58641 |
58552 |
30792 |
31373 |
66132 |
71357 |
||
a) |
Interest on deposits |
36009 |
36216 |
57711 |
57866 |
29104 |
29881 |
60426 |
65911 |
||
b) |
Interest on RBI/inter-bank borrowings |
155 |
226 |
539 |
504 |
62 |
187 |
1820 |
2153 |
||
c) |
Others |
822 |
1685 |
391 |
182 |
1626 |
1305 |
3886 |
3293 |
||
IV. |
Operating expenses |
18724 |
20116 |
21701 |
24436 |
13862 |
16294 |
22102 |
21702 |
||
a) |
Payments to and provisions for employees |
14229 |
15447 |
16472 |
18074 |
10634 |
12470 |
16707 |
15154 |
||
b) |
Rent, taxes and lighting |
1228 |
1330 |
1444 |
1653 |
944 |
1063 |
1376 |
1593 |
||
c) |
Printing and stationery |
250 |
301 |
316 |
348 |
223 |
236 |
326 |
466 |
||
d) |
Advertisement and publicity |
26 |
23 |
59 |
66 |
25 |
33 |
51 |
60 |
||
e) |
Depreciation on Bank's property |
470 |
598 |
574 |
676 |
363 |
399 |
716 |
797 |
||
f) |
Directors' fees, allowances and expenses |
7 |
6 |
8 |
7 |
5 |
6 |
13 |
5 |
||
g) |
Auditors' fees and expenses |
129 |
102 |
102 |
130 |
67 |
89 |
89 |
123 |
||
h) |
Law charges |
24 |
30 |
58 |
55 |
49 |
216 |
18 |
10 |
||
i) |
Postage, telegrams, telephones, etc. |
171 |
154 |
447 |
483 |
203 |
271 |
366 |
359 |
||
j) |
Repairs and maintenance |
208 |
133 |
170 |
216 |
151 |
224 |
157 |
231 |
||
k) |
Insurance |
16 |
15 |
17 |
345 |
161 |
168 |
422 |
347 |
||
l) |
Other expenditure |
1965 |
1977 |
2033 |
2385 |
1037 |
1119 |
1860 |
2556 |
||
V. |
Provisions and contingencies |
8971 |
7613 |
13731 |
6520 |
4843 |
4131 |
11033 |
13662 |
||
Total expenses* |
55709 |
58243 |
80342 |
82988 |
44654 |
47667 |
88234 |
93059 |
|||
VI. |
Profit |
4024 |
5054 |
5903 |
14301 |
7113 |
7813 |
4025 |
6330 |
||
Total (III+IV+V+VI) |
68704 |
70909 |
99975 |
103809 |
56610 |
59611 |
103291 |
113051 |
|||
NATIONALISED BANKS |
|||||||||||
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(Amount in Rs. lakh) |
|||
For the year ended 31st March |
|||||||||||
Allahabad |
Andhra |
Bank of |
Bank of |
||||||||
Items |
Bank |
Bank |
Baroda |
India |
|||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
|
Income |
|||||||||||
I. |
Interest Earned |
127822 |
140453 |
78725 |
91608 |
376175 |
417091 |
351339 |
393580 |
||
a) |
Interest/discount on advances/bills |
68609 |
67092 |
38335 |
40714 |
223651 |
223486 |
223389 |
246108 |
||
b) |
Income on Investments |
51465 |
66431 |
34572 |
44558 |
114912 |
151010 |
109606 |
126367 |
||
c) |
Interest on balances with |
5771 |
6621 |
5793 |
6308 |
32413 |
40793 |
14129 |
17422 |
||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
1977 |
309 |
25 |
28 |
5199 |
1802 |
4215 |
3683 |
||
II. |
Other income |
18096 |
22035 |
9838 |
11642 |
45864 |
54329 |
49016 |
57995 |
||
a) |
Commission, exchange and brokerage |
12435 |
13376 |
5168 |
6011 |
24423 |
23540 |
25477 |
27160 |
||
b) |
Net Profit on sale of investments |
395 |
2207 |
17 |
200 |
1396 |
6903 |
1062 |
5599 |
||
c) |
Net Profit on sale of land, |
- |
12 |
15 |
21 |
68 |
32 |
1 |
3153 |
||
building & other assets |
|||||||||||
d) |
Net Profit on exchange transaction |
2909 |
2735 |
1185 |
1326 |
8545 |
13594 |
7372 |
10979 |
||
e) |
Miscellaneous income |
2358 |
3706 |
3453 |
4083 |
11433 |
10260 |
15104 |
11104 |
||
Total (I+II) |
145918 |
162489 |
88562 |
103250 |
422039 |
471420 |
400356 |
451575 |
|||
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
87670 |
97651 |
54108 |
60532 |
255181 |
283752 |
237325 |
265111 |
||
a) |
Interest on deposits |
85172 |
95902 |
51905 |
57523 |
237424 |
267565 |
223057 |
246870 |
||
b) |
Interest on RBI/inter-bank borrowings |
137 |
2 |
2187 |
3006 |
2083 |
4374 |
14085 |
18231 |
||
c) |
Others |
2361 |
1747 |
16 |
3 |
15673 |
11813 |
183 |
10 |
||
IV. |
Operating expenses |
39822 |
42089 |
25699 |
27193 |
89215 |
107063 |
105081 |
116746 |
||
a) |
Payments to and provisions for employees |
26377 |
27290 |
18618 |
19832 |
60595 |
73856 |
71426 |
77045 |
||
b) |
Rent, taxes and lighting |
3992 |
3626 |
1250 |
1305 |
7674 |
8501 |
7657 |
10464 |
||
c) |
Printing and stationery |
583 |
696 |
454 |
511 |
1968 |
2022 |
1698 |
1991 |
||
d) |
Advertisement and publicity |
112 |
171 |
57 |
96 |
321 |
576 |
411 |
584 |
||
e) |
Depreciation on Bank's property |
990 |
1153 |
741 |
871 |
3197 |
3547 |
4759 |
6651 |
||
f) |
Directors' fees, allowances and expenses |
0 |
0 |
7 |
15 |
30 |
32 |
7 |
10 |
||
g) |
Auditors' fees and expenses |
119 |
158 |
109 |
161 |
599 |
671 |
484 |
699 |
||
h) |
Law charges |
220 |
326 |
62 |
103 |
1125 |
1130 |
2764 |
1477 |
||
i) |
Postage, telegrams, telephones, etc. |
680 |
903 |
322 |
384 |
1193 |
1164 |
771 |
896 |
||
j) |
Repairs and maintenance |
400 |
551 |
444 |
532 |
1791 |
2022 |
1358 |
1621 |
||
k) |
Insurance |
2784 |
3096 |
1072 |
391 |
2044 |
1905 |
1528 |
1691 |
||
l) |
Other expenditure |
3564 |
4119 |
2564 |
2991 |
8679 |
11637 |
12219 |
13616 |
||
V. |
Provisions and contingencies |
11996 |
9828 |
5185 |
8001 |
49990 |
34732 |
21948 |
33267 |
||
Total expenses* |
127492 |
139740 |
79807 |
87724 |
344396 |
390816 |
342406 |
381856 |
|||
VI. |
Profit |
6430 |
12921 |
3570 |
7525 |
27653 |
45873 |
36002 |
36451 |
||
Total (III+IV+V+VI) |
145918 |
162489 |
88562 |
103250 |
422039 |
471420 |
400356 |
451575 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
|||||||||||
Bank of |
Canara |
Central Bank |
Corporation |
||||||||
Items |
Maharashtra |
Bank |
of India |
Bank |
|||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
|
Income |
|||||||||||
I. |
Interest Earned |
85786 |
99101 |
341380 |
382303 |
253092 |
284226 |
82811 |
102753 |
||
a) |
Interest/discount on advances/bills |
40379 |
43882 |
197175 |
201482 |
128886 |
124700 |
40217 |
42734 |
||
b) |
Income on Investments |
41774 |
51351 |
122014 |
152561 |
108884 |
148116 |
36554 |
52219 |
||
c) |
Interest on balances with |
3478 |
3577 |
21498 |
25839 |
11401 |
9258 |
3978 |
4814 |
||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
155 |
290 |
692 |
2420 |
3922 |
2152 |
2061 |
2987 |
||
II. |
Other income |
7997 |
9308 |
45502 |
60771 |
30486 |
34212 |
11161 |
14410 |
||
a) |
Commission, exchange and brokerage |
6345 |
6786 |
24629 |
25388 |
19902 |
20445 |
7329 |
9524 |
||
b) |
Net Profit on sale of investments |
61 |
683 |
2245 |
10025 |
5494 |
7638 |
202 |
64 |
||
c) |
Net Profit on sale of land, |
8 |
9 |
49 |
36 |
30 |
16 |
7 |
10 |
||
building & other assets |
|||||||||||
d) |
Net Profit on exchange transaction |
1410 |
1604 |
8092 |
9146 |
3516 |
4425 |
1328 |
2222 |
||
e) |
Miscellaneous income |
172 |
226 |
10487 |
16177 |
1544 |
1688 |
2296 |
2590 |
||
Total (I+II) |
93783 |
108409 |
386882 |
443074 |
283578 |
318438 |
93972 |
117163 |
|||
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
53580 |
61822 |
227788 |
274811 |
169515 |
189210 |
51114 |
63917 |
||
a) |
Interest on deposits |
50933 |
59578 |
214847 |
260381 |
167076 |
187177 |
49291 |
62294 |
||
b) |
Interest on RBI/inter-bank borrowings |
635 |
365 |
5370 |
1999 |
763 |
314 |
230 |
304 |
||
c) |
Others |
2013 |
1879 |
7571 |
12431 |
1676 |
1719 |
1593 |
1319 |
||
IV. |
Operating expenses |
29865 |
34176 |
93673 |
101011 |
84104 |
93156 |
18263 |
22962 |
||
a) |
Payments to and provisions for employees |
23757 |
26577 |
64086 |
69110 |
64755 |
71342 |
11447 |
12885 |
||
b) |
Rent, taxes and lighting |
1721 |
2041 |
8667 |
9897 |
4148 |
4954 |
1382 |
1738 |
||
c) |
Printing and stationery |
429 |
476 |
2474 |
1885 |
1329 |
1172 |
457 |
528 |
||
d) |
Advertisement and publicity |
72 |
86 |
685 |
247 |
137 |
233 |
312 |
524 |
||
e) |
Depreciation on Bank's property |
873 |
1061 |
4486 |
5095 |
1592 |
1969 |
1182 |
1486 |
||
f) |
Directors' fees, allowances and expenses |
14 |
15 |
18 |
24 |
11 |
13 |
14 |
16 |
||
g) |
Auditors' fees and expenses |
130 |
184 |
425 |
533 |
295 |
410 |
129 |
150 |
||
h) |
Law charges |
65 |
65 |
118 |
77 |
671 |
512 |
24 |
28 |
||
i) |
Postage, telegrams, telephones, etc. |
310 |
368 |
1297 |
1425 |
353 |
530 |
648 |
813 |
||
j) |
Repairs and maintenance |
255 |
306 |
1474 |
1447 |
645 |
753 |
361 |
533 |
||
k) |
Insurance |
825 |
1187 |
1389 |
1733 |
1043 |
1368 |
350 |
342 |
||
l) |
Other expenditure |
1415 |
1809 |
8554 |
9539 |
9126 |
9901 |
1957 |
3920 |
||
V. |
Provisions and contingencies |
5611 |
6781 |
50680 |
46950 |
14876 |
18582 |
12082 |
13598 |
||
Total expenses* |
83446 |
95999 |
321461 |
375822 |
253619 |
282367 |
69377 |
86879 |
|||
VI. |
Profit |
4726 |
5629 |
14740 |
20302 |
15083 |
17489 |
12513 |
16687 |
||
Total (III+IV+V+VI) |
93783 |
108409 |
386882 |
443074 |
283578 |
318438 |
93972 |
117163 |
Note |
: *Excluding 'Provisions and Contingencies'. |
||||||||||
- |
: Nil or negligible. |
||||||||||
Source |
: Annual accounts of banks. |