Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 4 of 6) - ஆர்பிஐ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks : 1998-99 and 1999-2000 (Part 4 of 6)
Other Scheduled Commercial Banks |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended March 31 | ||||||||||
Items | IDBI | IndusInd | Jammu & Kashmir | Karnataka | ||||||
Bank | Bank | Bank | Bank | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (31) | (32) | (33) | (34) | (35) | (36) | (37) | (38) |
Income | ||||||||||
I. | Interest Earned | 29501 | 42378 | 59356 | 63740 | 69373 | 88461 | 49139 | 57804 | |
a) | Interest/discount on advances/bills | 13391 | 17293 | 35233 | 32458 | 34127 | 38068 | 27247 | 30153 | |
b) | Income on Investments | 14379 | 23548 | 21567 | 28406 | 31638 | 44091 | 19111 | 24301 | |
c) | Interest on balances with | 1717 | 1450 | 2552 | 2876 | 3609 | 6302 | 2762 | 3217 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 15 | 87 | 4 | 1 | | | 19 | 131 | |
II. | Other income | 2888 | 5514 | 8286 | 14482 | 4303 | 10512 | 4828 | 7225 | |
a) | Commission, exchange and brokerage | 1934 | 3206 | 3545 | 3281 | 1505 | 1981 | 3031 | 3998 | |
b) | Net Profit (loss) on sale of investments | 231 | 1256 | 304 | 6579 | 1022 | 6066 | 79 | 1617 | |
c) | Net Profit (loss) on revaluation of | | | | | | | | | |
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | | (61) | (10) | (34) | | | 5 | 10 | |
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 574 | 657 | 1513 | 1040 | 599 | 79 | 1064 | 989 | |
f) | Miscellaneous income | 149 | 457 | 2935 | 3616 | 1177 | 2385 | 648 | 611 | |
| Total (I+II) | 32389 | 47892 | 67642 | 78223 | 73676 | 98972 | 53967 | 65029 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 23090 | 33261 | 47881 | 50112 | 43094 | 59822 | 37529 | 46383 | |
a) | Interest on deposits | 19806 | 27271 | 42964 | 44642 | 42885 | 57268 | 35723 | 44659 | |
b) | Interest on RBI/inter-bank borrowings | 2481 | 4825 | 1541 | 2945 | 209 | 2554 | 638 | 886 | |
c) | Others | 802 | 1166 | 3377 | 2525 | | | 1169 | 837 | |
IV. | Operating expenses | 5424 | 6267 | 8715 | 9024 | 13390 | 15942 | 9212 | 10565 | |
a) | Payments to and provisions for employees | 1082 | 1408 | 1127 | 1197 | 8506 | 8984 | 6424 | 7528 | |
b) | Rent, taxes and lighting | 1419 | 1495 | 1635 | 1810 | 721 | 1055 | 640 | 742 | |
c) | Printing and stationery | 192 | 227 | 184 | 188 | 144 | 170 | 125 | 143 | |
d) | Advertisement and publicity | 221 | 262 | 178 | 66 | 175 | 272 | 53 | 33 | |
e) | Depreciation on Bank’s property | 571 | 829 | 2098 | 2171 | 793 | 1082 | 695 | 808 | |
f) | Directors’ fees, allowances and expenses | 2 | 3 | 15 | 17 | 13 | 9 | 10 | 10 | |
g) | Auditors’ fees and expenses | 8 | 11 | 28 | 34 | 66 | 85 | 23 | 24 | |
h) | Law charges | 14 | 12 | 299 | 147 | 16 | 20 | 6 | 7 | |
i) | Postage, telegrams, telephones, etc. | 386 | 414 | 609 | 735 | 204 | 226 | 132 | 105 | |
j) | Repairs and maintenance | 131 | 364 | 281 | 398 | 77 | 107 | 119 | 173 | |
k) | Insurance | 180 | 252 | 187 | 283 | 267 | 334 | 199 | 265 | |
l) | Other expenditure | 1218 | 989 | 2074 | 1978 | 2409 | 3598 | 786 | 728 | |
V. | Provisions and contingencies | 799 | 2265 | 7365 | 13477 | 8647 | 11191 | 2982 | 2255 | |
Total expenses@ | 28515 | 39528 | 56597 | 59137 | 56484 | 75764 | 46741 | 56948 | ||
VI. | Profit (loss) | 3076 | 6099 | 3680 | 5609 | 8545 | 12017 | 4245 | 5826 | |
| Total (III+IV+V+VI) | 32389 | 47892 | 67642 | 78223 | 73676 | 98972 | 53967 | 65029 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended March 31 | ||||||||||
Items | Karur Vysya | Lakshmi Vilas | Lord Krishna | Nainital | ||||||
Bank | Bank | Bank | Bank | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (39) | (40) | (41) | (42) | (43) | (44) | (45) | (46) |
Income | ||||||||||
I. | Interest Earned | 33762 | 41803 | 18684 | 22246 | 9688 | 9724 | 4265 | 4797 | |
a) | Interest/discount on advances/bills | 19321 | 23317 | 11266 | 13732 | 6074 | 5844 | 1189 | 1285 | |
b) | Income on Investments | 12620 | 15247 | 6317 | 7359 | 3466 | 3749 | 1786 | 2350 | |
c) | Interest on balances with | 1674 | 2920 | 773 | 789 | 148 | 132 | 1281 | 1154 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 147 | 320 | 328 | 365 | | | 9 | 8 | |
II. | Other income | 4073 | 5780 | 3859 | 5971 | 1369 | 1893 | 199 | 268 | |
a) | Commission, exchange and brokerage | 3448 | 4387 | 2374 | 2762 | 522 | 576 | 139 | 170 | |
b) | Net Profit (loss) on sale of investments | (761) | 11 | 503 | 1424 | 241 | 962 | 3 | 8 | |
c) | Net Profit (loss) on revaluation of | | | | | | | | | |
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | 3 | | (3) | 50 | | | | | |
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 594 | 602 | 339 | 360 | | | | | |
f) | Miscellaneous income | 789 | 780 | 646 | 1375 | 606 | 354 | 58 | 89 | |
| Total (I+II) | 37836 | 47583 | 22543 | 28217 | 11057 | 11617 | 4464 | 5065 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 24691 | 28100 | 14343 | 16253 | 8486 | 8266 | 2566 | 2870 | |
a) | Interest on deposits | 23042 | 25603 | 13549 | 15201 | 7607 | 7569 | 2564 | 2869 | |
b) | Interest on RBI/inter-bank borrowings | 703 | 817 | 720 | 965 | 3 | 4 | 2 | | |
c) | Others | 947 | 1679 | 74 | 86 | 876 | 693 | | | |
IV. | Operating expenses | 6979 | 8573 | 5777 | 6420 | 1853 | 1893 | 1111 | 1345 | |
a) | Payments to and provisions for employees | 4109 | 5392 | 3233 | 3852 | 944 | 1068 | 813 | 1004 | |
b) | Rent, taxes and lighting | 339 | 446 | 400 | 690 | 317 | 274 | 90 | 104 | |
c) | Printing and stationery | 134 | 140 | 96 | 98 | 21 | 18 | 13 | 23 | |
d) | Advertisement and publicity | 122 | 129 | 32 | 38 | 10 | 13 | 4 | 4 | |
e) | Depreciation on Bank’s property | 1229 | 1248 | 697 | 512 | 276 | 173 | 18 | 23 | |
f) | Directors’ fees, allowances and expenses | 11 | 13 | 6 | 10 | 6 | 6 | 3 | 2 | |
g) | Auditors’ fees and expenses | 10 | 14 | 8 | 10 | 2 | 3 | 2 | 3 | |
h) | Law charges | 11 | 4 | 6 | 4 | 7 | | 5 | 5 | |
i) | Postage, telegrams, telephones, etc. | 303 | 331 | 192 | 207 | 50 | 46 | 29 | 32 | |
j) | Repairs and maintenance | 119 | 125 | 23 | 21 | 6 | 4 | 6 | 9 | |
k) | Insurance | 135 | 150 | 84 | 97 | 34 | 38 | 17 | 20 | |
l) | Other expenditure | 458 | 581 | 999 | 881 | 181 | 250 | 111 | 116 | |
V. | Provisions and contingencies | 2461 | 3796 | 990 | 2909 | 589 | 821 | 475 | 419 | |
Total expenses@ | 31671 | 36673 | 20120 | 22673 | 10340 | 10159 | 3677 | 4215 | ||
VI. | Profit (loss) | 3704 | 7114 | 1433 | 2635 | 128 | 637 | 312 | 431 | |
| Total (III+IV+V+VI) | 37836 | 47583 | 22543 | 28217 | 11057 | 11617 | 4464 | 5065 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended March 31 | ||||||||||
Items | Nedungadi | Ratnakar | Sangli | SBI Commercial & | ||||||
Bank | Bank | Bank | Intl. Bank | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (47) | (48) | (49) | (50) | (51) | (52) | (53) | (54) |
Income | ||||||||||
I. | Interest Earned | 14685 | 17290 | 4023 | 4940 | 11314 | 12453 | 6860 | 6649 | |
a) | Interest/discount on advances/bills | 9152 | 9881 | 2475 | 2621 | 4578 | 4658 | 3060 | 3489 | |
b) | Income on Investments | 5222 | 7112 | 1431 | 2084 | 5084 | 5818 | 2033 | 2441 | |
c) | Interest on balances with | 268 | 228 | 101 | 224 | 1427 | 1913 | 826 | 681 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 43 | 69 | 17 | 11 | 225 | 65 | 941 | 37 | |
II. | Other income | 1700 | 2494 | 347 | 817 | 1599 | 2032 | 1318 | 1653 | |
a) | Commission, exchange and brokerage | 828 | 1021 | 163 | 173 | 1189 | 776 | 428 | 437 | |
b) | Net Profit (loss) on sale of investments | 91 | 553 | 99 | 548 | 47 | 849 | 27 | 133 | |
c) | Net Profit (loss) on revaluation of | | | | | | | | | |
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | 2 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | |
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 381 | 487 | | | 122 | 179 | 366 | 314 | |
f) | Miscellaneous income | 399 | 431 | 84 | 96 | 240 | 227 | 496 | 768 | |
| Total (I+II) | 16385 | 19784 | 4370 | 5758 | 12914 | 14485 | 8178 | 8302 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 11360 | 12508 | 2799 | 3535 | 7863 | 8619 | 6035 | 5246 | |
a) | Interest on deposits | 10736 | 11838 | 2604 | 3287 | 7789 | 8596 | 5476 | 4463 | |
b) | Interest on RBI/inter-bank borrowings | 195 | 187 | 86 | 123 | 53 | 8 | 467 | 613 | |
c) | Others | 429 | 483 | 109 | 125 | 21 | 15 | 91 | 171 | |
IV. | Operating expenses | 3729 | 4654 | 1138 | 1494 | 3804 | 4168 | 748 | 803 | |
a) | Payments to and provisions for employees | 2305 | 2921 | 757 | 986 | 3013 | 3199 | 228 | 260 | |
b) | Rent, taxes and lighting | 288 | 327 | 117 | 196 | 281 | 322 | 95 | 130 | |
c) | Printing and stationery | 56 | 61 | 16 | 25 | 34 | 33 | 18 | 21 | |
d) | Advertisement and publicity | 29 | 48 | 6 | 7 | 2 | 5 | 7 | 4 | |
e) | Depreciation on Bank’s property | 101 | 144 | 115 | 130 | 82 | 88 | 109 | 119 | |
f) | Directors’ fees, allowances and expenses | 8 | 11 | 2 | 2 | 1 | 1 | 3 | 4 | |
g) | Auditors’ fees and expenses | 7 | 7 | 4 | 5 | 5 | 6 | 2 | 3 | |
h) | Law charges | 3 | 6 | 5 | 6 | 6 | 15 | 33 | 25 | |
i) | Postage, telegrams, telephones, etc. | 45 | 54 | 25 | 28 | 58 | 52 | 3 | -1 | |
j) | Repairs and maintenance | 6 | 2 | 6 | 16 | 27 | 62 | 26 | 24 | |
k) | Insurance | 48 | 57 | 19 | 22 | 52 | 58 | 49 | 51 | |
l) | Other expenditure | 833 | 1015 | 64 | 71 | 242 | 326 | 174 | 163 | |
V. | Provisions and contingencies | 487 | 1160 | 129 | 381 | 825 | 1198 | 414 | 1050 | |
Total expenses@ | 15089 | 17161 | 3937 | 5409 | 11668 | 12787 | 6782 | 6049 | ||
VI. | Profit (loss) | 808 | 1463 | 304 | 349 | 421 | 499 | 981 | 1203 | |
| Total (III+IV+V+VI) | 16385 | 19784 | 4370 | 5758 | 12914 | 14485 | 8178 | 8302 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended March 31 | ||||||||||
Items | South Indian | Tamilnad Mercantile | Times | United Western | ||||||
Bank | Bank | Bank * | Bank | |||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||
| | | (55) | (56) | (57) | (58) | (59) | (60) | (61) | (62) |
Income | ||||||||||
I. | Interest Earned | 39989 | 46894 | 24586 | 31182 | 28640 | 33537 | 41948 | ||
a) | Interest/discount on advances/bills | 23690 | 26362 | 12774 | 15000 | 15646 | 20678 | 25111 | ||
b) | Income on Investments | 14823 | 18766 | 10991 | 15220 | 11688 | 11183 | 14610 | ||
c) | Interest on balances with | 1477 | 1765 | 643 | 806 | 1306 | 1560 | 2227 | ||
RBI and other inter-bank funds | ||||||||||
d) | Others | | | 179 | 156 | | 116 | | ||
II. | Other income | 3690 | 7456 | 4201 | 4997 | 4060 | 5316 | 12125 | ||
a) | Commission, exchange and brokerage | 1510 | 1973 | 2447 | 2972 | 2334 | 2440 | 2908 | ||
b) | Net Profit (loss) on sale of investments | 280 | 3333 | 45 | 99 | 610 | 415 | 6157 | ||
c) | Net Profit (loss) on revaluation of | | | | | | | | ||
investments | ||||||||||
d) | Net Profit (loss) on sale of land, building & | 11 | 5 | | 4 | (5) | 1 | | ||
other assets | ||||||||||
e) | Net Profit (loss) on exchange transaction | 821 | 848 | 684 | 533 | 748 | 721 | 619 | ||
f) | Miscellaneous income | 1068 | 1296 | 1026 | 1390 | 373 | | 1738 | 2442 | |
| Total (I+II) | 43679 | 54349 | 28786 | 36179 | 32700 | | 38853 | 54074 | |
Expenditure & Provisions | ||||||||||
III. | Interest expended | 31178 | 35072 | 17356 | 22336 | 23204 | 24527 | 30463 | ||
a) | Interest on deposits | 29532 | 33186 | 16535 | 21335 | 21729 | 23403 | 28116 | ||
b) | Interest on RBI/inter-bank borrowings | 366 | 567 | 46 | 100 | 964 | 1124 | 1294 | ||
c) | Others | 1280 | 1319 | 774 | 902 | 512 | | 1052 | ||
IV. | Operating expenses | 8983 | 11250 | 5508 | 6581 | 5648 | 7944 | 9343 | ||
a) | Payments to and provisions for employees | 6378 | 8633 | 3387 | 4052 | 1486 | 5481 | 6628 | ||
b) | Rent, taxes and lighting | 709 | 806 | 410 | 524 | 791 | 546 | 610 | ||
c) | Printing and stationery | 152 | 178 | 157 | 189 | 251 | 149 | 180 | ||
d) | Advertisement and publicity | 42 | 37 | 60 | 81 | 190 | 32 | 38 | ||
e) | Depreciation on Bank’s property | 290 | 313 | 342 | 452 | 661 | 675 | 644 | ||
f) | Directors’ fees, allowances and expenses | 3 | 4 | 12 | 10 | 5 | 7 | 7 | ||
g) | Auditors’ fees and expenses | 13 | 29 | 16 | 16 | 10 | 29 | 34 | ||
h) | Law charges | 8 | 7 | 11 | 19 | 34 | 63 | 32 | ||
i) | Postage, telegrams, telephones, etc. | 222 | 221 | 142 | 114 | 243 | 143 | 114 | ||
j) | Repairs and maintenance | 66 | 72 | 239 | 245 | 589 | 85 | 86 | ||
k) | Insurance | 171 | 229 | 100 | 133 | 129 | 152 | 165 | ||
l) | Other expenditure | 928 | 721 | 634 | 747 | 1259 | 581 | 805 | ||
V. | Provisions and contingencies | 2910 | 5438 | 2419 | 3199 | 1053 | 2670 | 8697 | ||
Total expenses@ | 40161 | 46322 | 22864 | 28917 | 28852 | 32471 | 39806 | |||
VI. | Profit (loss) | 608 | 2589 | 3503 | 4063 | 2794 | | 3711 | 5570 | |
| Total (III+IV+V+VI) | 43679 | 54349 | 28786 | 36179 | 32700 | | 38853 | 54074 |
| | | | | (Amount in Rs. lakh) | |
For the year ended March 31 | ||||||
Items | UTI | Vysya | ||||
Bank | Bank | |||||
1999 | 2000 | 1999 | 2000 | |||
| | | (63) | (64) | (65) | (66) |
Income | ||||||
I. | Interest Earned | 37328 | 48326 | 72549 | 79382 | |
a) | Interest/discount on advances/bills | 23682 | 29665 | 32470 | 38408 | |
b) | Income on Investments | 11673 | 15702 | 26340 | 28624 | |
c) | Interest on balances with | 1767 | 2508 | 9610 | 9801 | |
RBI and other inter-bank funds | ||||||
d) | Others | 206 | 450 | 4128 | 2550 | |
II. | Other income | 4663 | 9117 | 11161 | 18674 | |
a) | Commission, exchange and brokerage | 3272 | 4473 | 5403 | 6731 | |
b) | Net Profit (loss) on sale of investments | 648 | 3971 | 1777 | 6673 | |
c) | Net Profit (loss) on revaluation of | | | | | |
investments | ||||||
d) | Net Profit (loss) on sale of land, building & | (15) | (23) | 2 | (1) | |
other assets | ||||||
e) | Net Profit (loss) on exchange transaction | 454 | 465 | 2668 | 2567 | |
f) | Miscellaneous income | 304 | 231 | 1312 | 2704 | |
| Total (I+II) | 41991 | 57443 | 83710 | 98056 | |
Expenditure & Provisions | ||||||
III. | Interest expended | 30063 | 39286 | 63049 | 68315 | |
a) | Interest on deposits | 26203 | 33990 | 61195 | 65096 | |
b) | Interest on RBI/inter-bank borrowings | 1483 | 2439 | 960 | 2401 | |
c) | Others | 2377 | 2857 | 894 | 819 | |
IV. | Operating expenses | 5103 | 6540 | 14473 | 17679 | |
a) | Payments to and provisions for employees | 1202 | 1543 | 8674 | 9730 | |
b) | Rent, taxes and lighting | 1265 | 1490 | 1491 | 1710 | |
c) | Printing and stationery | 142 | 214 | 342 | 482 | |
d) | Advertisement and publicity | 83 | 47 | 128 | 73 | |
e) | Depreciation on Bank’s property | 995 | 1147 | 859 | 2022 | |
f) | Directors’ fees, allowances and expenses | 1 | 4 | 23 | 31 | |
g) | Auditors’ fees and expenses | 17 | 21 | 39 | 42 | |
h) | Law charges | 29 | 43 | 34 | 41 | |
i) | Postage, telegrams, telephones, etc. | 175 | 208 | 464 | 467 | |
j) | Repairs and maintenance | 450 | 605 | 475 | 565 | |
k) | Insurance | 208 | 223 | 317 | 349 | |
l) | Other expenditure | 537 | 995 | 1626 | 2167 | |
V. | Provisions and contingencies | 3718 | 6524 | 3135 | 7632 | |
Total expenses@ | 35166 | 45826 | 77522 | 85994 | ||
VI. | Profit (loss) | 3107 | 5093 | 3054 | 4431 | |
| Total (III+IV+V+VI) | 41991 | 57443 | 83710 | 98056 |
Notes | 1. @ : Excluding ‘Provisions and Contingencies’. |
2. Figures in bracket indicate loss. | |
3. * : With effect from 26th February 2000, Times Bank has been merged with HDFC Bank. The data for the year ended March | |
31, 2000 represent merged bank’s figures. | |
Source | : Annual accounts of banks of respective years. |