OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Benares State

Bharat Overseas

Catholic Syrian

Centurion

Items

Bank

Bank

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I.

Interest Earned

7844

8002

12561

14376

23869

25476

17264

39470

a)

Interest/discount on advances/bills

3361

2719

6121

7529

15872

14550

11309

21183

b)

Income on investments

4170

5020

4324

4711

7310

9272

5140

9532

c)

Interest on balances with

313

263

2116

2136

627

1615

765

1244

RBI and other inter-bank funds

d)

Others

-

-

-

-

59

40

49

7511

II.

Other income

1424

906

1393

1829

3041

2434

3140

4447

a)

Commission, exchange and brokerage

292

275

554

620

628

760

679

887

b)

Net profit on sale of investments

167

287

94

279

1396

471

1352

1448

c)

Net profit on revaluation of investments

-

-

-

-

(3)

(262)

-

-

d)

Net profit on sale of land, building &

-

-

1

16

1

283

-

-

other assets

e)

Net profit on exchange transaction

204

77

617

785

507

491

379

732

f)

Miscellaneous income

760

266

127

129

513

-

731

1380

Total(I+II)

9268

8908

13953

16205

26910

27910

20404

43917

Expenditure & Provisions

III.

Interest expended

5898

6701

9301

11261

18948

20914

13231

29614

a)

Interest on deposits

5818

6665

8963

10782

18216

20265

12461

19917

b)

Interest on RBI/inter-bank borrowings

78

35

188

329

64

56

681

5509

c)

Others

2

-

150

150

669

594

89

4188

IV.

Operating expenses

2539

3041

2660

3252

6030

6491

3340

11170

a)

Payments to and provisions for employees

1732

2142

1381

1633

3913

4466

402

1017

b)

Rent, taxes and lighting

243

257

494

586

549

591

574

635

c)

Printing and stationery

61

36

46

56

145

119

88

172

d)

Advertisement and publicity

7

6

62

103

22

19

131

196

e)

Depreciation on bank's property

124

104

124

137

518

460

-

6269

f)

Directors' fees, allowances and expenses

13

26

7

10

10

16

1

20

g)

Auditors' fees and expenses

18

21

7

10

9

8

5

24

h)

Law charges

7

4

19

23

9

9

11

113

i)

Postage, telegrams, telephones, etc.

57

60

70

78

155

131

98

215

j)

Repairs and maintenance

18

30

35

37

33

36

109

213

k)

Insurance

87

115

58

58

96

110

51

81

l)

Other expenditure

172

241

357

521

571

526

1871

2215

V.

Provisions and contingencies

731

1198

881

566

1222

466

1826

989

Total expenses@

8436

9741

11961

14513

24978

27406

16571

40784

VI.

Profit

100

(2031)

1112

1125

709

38

2007

2144

Total (III+IV+V+VI)

9268

8908

13953

16205

26910

27910

20404

43917

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

City Union

Development Credit

Dhanalakshmi

Federal

Items

Bank

Bank

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I.

Interest Earned

12123

14989

15067

22112

13353

14239

70158

85944

a)

Interest/discount on advances/bills

8453

9434

9644

11428

8668

8423

42766

50480

b)

Income on investments

2696

4146

5042

10093

4191

5011

23901

32405

c)

Interest on balances with

196

349

380

590

494

804

3105

2738

RBI and other inter-bank funds

d)

Others

778

1060

-

-

1

-

385

321

II.

Other income

2114

2760

5834

3188

1459

1343

9254

11298

a)

Commission, exchange and brokerage

990

1103

691

1105

1092

808

2696

3776

b)

Net profit on sale of investments

66

692

3719

143

208

255

3310

2751

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit on sale of land, building &

1

1

-

-

1

2

(67)

9

other assets

e)

Net profit on exchange transaction

511

402

302

308

9

39

1076

1524

f)

Miscellaneous income

546

563

1122

1633

150

238

2240

3238

Total(I+II)

14237

17749

20900

25300

14812

15581

79412

97242

Expenditure & Provisions

III.

Interest expended

9726

12345

11477

16732

10128

11255

56372

77157

a)

Interest on deposits

9281

11926

10961

15706

9260

10796

53563

74180

b)

Interest on RBI/inter-bank borrowings

142

125

382

620

299

21

1074

587

c)

Others

304

294

134

406

570

438

1735

2389

IV.

Operating expenses

2375

2915

4352

5572

2791

2996

13766

15147

a)

Payments to and provisions for employees

1431

1661

2042

2391

1689

1918

7890

9264

b)

Rent, taxes and lighting

126

153

244

355

370

385

897

1148

c)

Printing and stationery

67

72

91

112

76

73

214

201

d)

Advertisement and publicity

53

63

77

93

55

27

180

122

e)

Depreciation on bank's property

248

273

1019

1432

186

199

1876

1959

f)

Directors' fees, allowances and expenses

2

3

21

17

9

4

8

16

g)

Auditors' fees and expenses

3

5

15

22

4

6

59

68

h)

Law charges

1

1

109

26

4

2

16

17

i)

Postage, telegrams, telephones, etc.

85

110

83

101

61

65

185

159

j)

Repairs and maintenance

24

30

92

181

48

27

289

231

k)

Insurance

58

93

45

74

43

42

234

299

l)

Other expenditure

276

450

514

768

245

248

1918

1662

V.

Provisions and contingencies

991

1264

2069

862

1052

944

4246

4686

Total expenses@

12101

15260

15829

22304

12920

14250

70138

92303

VI.

Profit

1145

1225

3002

2133

840

387

5028

253

Total (III+IV+V+VI)

14237

17749

20900

25300

14812

15581

79412

97242

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

Ganesh Bank of

Global Trust

HDFC

ICICI

Items

Kurundwad

Bank

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I.

Interest Earned

1105

1372

39408

49136

24080

37608

25970

54405

a)

Interest/discount on advances/bills

831

1020

26938

29228

11767

14317

14325

22595

b)

Income on investments

246

285

11673

18192

10391

18220

8073

20850

c)

Interest on balances with

12

28

728

1381

1861

5045

3214

10941

RBI and other inter-bank funds

d)

Others

17

39

68

335

61

26

357

19

II.

Other income

91

110

12704

14632

6201

6807

8505

8903

a)

Commission, exchange and brokerage

39

46

3975

3147

3047

4092

2517

3741

b)

Net profit on sale of investments

-

-

4032

3556

2097

1513

3524

1244

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit on sale of land, building &

-

-

-

(26)

(10)

1

(4)

(10)

other assets

e)

Net profit on exchange transaction

-

-

2296

1805

1067

1195

1711

3412

f)

Miscellaneous income

52

63

2401

6150

-

6

757

517

Total(I+II)

1197

1482

52112

63768

30281

44415

34475

63309

Expenditure & Provisions

III.

Interest expended

839

1115

32279

43846

13755

22918

18668

42552

a)

Interest on deposits

775

1051

30276

40904

10397

17601

16195

37187

b)

Interest on RBI/inter-bank borrowings

65

64

1376

1470

3163

4014

1010

2040

c)

Others

-

-

627

1472

195

1303

1463

3325

IV.

Operating expenses

275

300

7127

9466

6271

8879

5761

8297

a)

Payments to and provisions for employees

142

175

889

1316

1485

2206

1227

1819

b)

Rent, taxes and lighting

33

24

878

1088

1108

1421

771

1137

c)

Printing and stationery

9

9

213

276

328

511

295

324

d)

Advertisement and publicity

1

-

464

343

339

499

205

339

e)

Depreciation on bank's property

46

44

2706

3772

1069

1502

1447

1753

f)

Directors' fees, allowances and expenses

1

1

10

7

2

3

5

5

g)

Auditors' fees and expenses

-

-

17

21

8

14

11

13

h)

Law charges

3

2

32

21

1

6

33

96

i)

Postage, telegrams, telephones, etc.

11

13

249

350

599

929

215

433

j)

Repairs and maintenance

1

1

264

386

468

731

420

757

k)

Insurance

5

6

271

312

91

158

114

225

l)

Other expenditure

23

24

1134

1575

773

899

1017

1397

V.

Provisions and contingencies

74

57

4692

3370

3940

4378

5024

6124

Total expenses@

1114

1416

39406

53312

20026

31797

24429

50849

VI.

Profit

8

10

8013

7086

6315

8240

5022

6336

Total (III+IV+V+VI)

1197

1482

52112

63768

30281

44415

34475

63309

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

IDBI

Induslnd

Jammu & Kashmir

Karnataka

Items

Bank

Bank

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I.

Interest Earned

14925

29501

55104

59356

53057

69373

42992

49139

a)

Interest/discount on advances/bills

8815

13391

34332

35233

25887

34127

25691

27247

b)

Income on investments

5731

14379

19127

21567

24851

31638

16086

19111

c)

Interest on balances with

307

1717

1420

2552

2319

3609

1034

2762

RBI and other inter-bank funds

d)

Others

72

15

225

4

-

-

181

19

II.

Other income

1763

2888

15483

8286

5749

4303

4786

4828

a)

Commission, exchange and brokerage

885

1934

3563

3545

1344

1505

2514

3031

b)

Net profit on sale of investments

297

231

8493

304

1953

1022

850

79

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit on sale of land, building &

-

-

(4)

(10)

-

-

5

5

other assets

e)

Net profit on exchange transaction

498

574

1034

1513

500

599

827

1064

f)

Miscellaneous income

84

149

2397

2935

1952

1177

589

648