Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 2 of 6)

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Table 54: Earnings and Expenses of Scheduled Commercial Banks: 1999-2000 and 2000-2001 (Part 2 of 6)

NATIONALISED BANKS

(Amount in Rs. lakh)

		For the year ended March 31

Items		Allahabad Bank		Andhra Bank		Bank of Baroda		Bank of India

		2000	2001	2000	2001	2000	2001	2000	2001

		(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I.	Interest Earned	184519	206742	144100	187506	522019	575734	473699	531687
	a) Interest/discount on advances/bills	88459	106405	64415	79408	259131	293825	275011	312874
	b) Income on Investments	90156	93074	74448	103270	199281	215083	167267	180566
	c) Interest on balances with	5773	6885	4929	4827	49304	61280	18663	35773
	RBI and other inter-bank funds
	d) Others	131	379	308	0	14303	5547	12757	2474

II.	Other income	25732	24293	23238	20462	64143	70628	78554	86191
	a) Commission, exchange and brokerage	13127	14259	7376	7835	28031	29773	29288	32388
	b) Net Profit (loss) on sale of investments	7356	5238	8749	6500	8567	10197	16680	19646
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	62	0	0
	d) Net Profit (loss) on sale of land, building & other assets	5	-4	18	9	15	-13	0	10
	e) Net Profit (loss) on exchange transaction	2997	2896	1278	1256	13143	13443	11240	10466
	f) Miscellaneous income	2247	1904	5818	4863	14387	17166	21347	23683

	Total (I+II)	210251	231035	167338	207968	586161	646362	552253	617878


Expenditure & Provisions
III.	Interest expended	128097	138656	102536	137458	350663	381955	344314	366303
	a) Interest on deposits	126066	135418	97795	130132	325132	358090	306218	321637
	b) Interest on RBI/inter-bank borrowings	69	221	2870	3221	8041	7535	31039	34358
	c) Others	1962	3016	1871	4104	17491	16329	7057	10308

IV.	Operating expenses	53592	65779	35854	45639	130331	160760	139640	174373
	a) Payments to and provisions for employees	36706	48072	26095	33879	89645	114573	99912	133882
	b) Rent, taxes and lighting	3439	3978	2023	2407	10915	11923	10619	11456
	c) Printing and stationery	959	1109	597	591	1901	1914	1823	1942
	d) Advertisement and publicity	344	348	68	168	806	624	232	334
	e) Depreciation on Bank's property	1796	2049	1350	2144	5237	7725	7587	7416
	f) Directors' fees, allowances and expenses	0	29	13	8	38	22	14	7
	g) Auditors' fees and expenses	228	420	301	293	940	1105	778	736
	h) Law charges	516	294	233	252	1032	1242	1492	1151
	i) Postage, telegrams, telephones, etc.	1202	1319	445	438	1322	1392	847	444
	j) Repairs and maintenance	850	835	671	743	2540	3059	1807	1953
	k) Insurance	882	1132	778	1086	2869	2875	2001	2151
	l) Other expenditure	6669	6192	3279	3628	13084	14306	12529	12901

V.	Provisions and contingencies	21629	22609	16889	12753	54890	76181	51017	52014

	Total expenses@	181689	204435	138390	183096	480994	542715	483954	540676

VI.	Profit (loss)	6933	3991	12059	12119	50277	27466	17282	25188


	Total (III+IV+V+VI)	210251	231035	167338	207968	586161	646362	552253	617878

(Amount in Rs. lakh)

		For the year ended March 31

Items		Bank of		Canara Bank		Central Bank of		Corporation
		Maharashtra				India		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I.	Interest Earned	146727	170588	485174	561827	374799	426526	160439	180453
	a) Interest/discount on advances/bills	58928	70291	248843	292019	178308	196817	80601	93407
	b) Income on Investments	82390	93591	204153	223430	185825	214598	68905	74384
	c) Interest on balances with	5100	5683	32059	46339	9485	15111	9443	9369
	RBI and other inter-bank funds
	d) Others	309	1023	120	38	1182	0	1490	3293

II.	Other income	18456	22239	83568	91779	43740	46944	27081	29209
	a) Commission, exchange and brokerage	8926	9628	31954	32271	24978	27840	13023	13084
	b) Net Profit (loss) on sale of investments	6237	8110	13289	20139	13256	14426	5755	6680
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	-767	0	0
	d) Net Profit (loss) on sale of land, building & other assets	10	6	69	66	10	6	11	1
	e) Net Profit (loss) on exchange transaction	1437	2312	9669	12381	3363	3129	3488	3655
	f) Miscellaneous income	1847	2183	28586	26921	2134	2311	4805	5790

	Total (I+II)	165183	192827	568742	653605	418540	473470	187520	209663


Expenditure & Provisions
III.	Interest expended	100015	114757	341447	373525	252160	281607	114609	122321
	a) Interest on deposits	95463	109470	323413	357477	245367	273107	111575	118418
	b) Interest on RBI/inter-bank borrowings	1226	1050	1855	2867	1469	1207	1705	1952
	c) Others	3327	4237	16179	13181	5324	7293	1329	1952

IV.	Operating expenses	42008	54072	134980	166958	124225	144815	30399	34136
	a) Payments to and provisions for employees	32485	42370	95109	125307	99083	115222	17726	20000
	b) Rent, taxes and lighting	2511	2991	12092	13374	5508	6259	2747	3385
	c) Printing and stationery	571	551	1813	1017	1330	1339	642	657
	d) Advertisement and publicity	152	148	212	333	309	336	371	400
	e) Depreciation on Bank's property	1734	2814	7528	6591	3172	4540	2178	2151
	f) Directors' fees, allowances and expenses	11	5	17	14	12	6	15	10
	g) Auditors' fees and expenses	253	402	903	856	491	707	218	258
	h) Law charges	100	105	120	80	506	597	15	30
	i) Postage, telegrams, telephones, etc.	542	601	1517	1597	489	387	1025	1160
	j) Repairs and maintenance	503	530	2208	2469	1090	1293	826	852
	k) Insurance	705	789	2283	2538	1657	1943	765	857
	l) Other expenditure	2439	2765	11179	12782	10577	12185	3871	4376

V.	Provisions and contingencies	14146	19479	68711	84613	27087	42401	19268	27022

	Total expenses@	142023	168829	476426	540483	376384	426422	145007	156457

VI.	Profit (loss)	9014	4519	23605	28510	15069	4646	23244	26184


	Total (III+IV+V+VI)	165183	192827	568742	653605	418540	473470	187520	209663

(Amount in Rs. lakh)

		For the year ended March 31

Items		Dena Bank		Indian Bank		Indian Overseas		Oriental Bank of
						Bank		Commerce

		2000	2001	2000	2001	2000	2001	2000	2001

		(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

Income
I.	Interest Earned	158738	171638	189862	210018	331511	279342	245807	275872
	a) Interest/discount on advances/bills	83238	83896	92967	102215	162549	135053	101065	120269
	b) Income on Investments	71536	81633	92838	104231	146070	124707	136659	144135
	c) Interest on balances with	3179	3915	4058	3571	21444	19582	7893	9401
	RBI and other inter-bank funds
	d) Others	785	2194	0	0	1449	0	189	2067

II.	Other income	21176	19908	27514	31632	29911	30242	22137	26772
	a) Commission, exchange and brokerage	8591	8396	9143	9267	11386	17847	9564	9599
	b) Net Profit (loss) on sale of investments	7372	3711	5748	5957	4321	5310	5797	9531
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	74	0	-1000
	d) Net Profit (loss) on sale of land, building & other assets	0	-10	-11	1010	34	45	-4	39
	e) Net Profit (loss) on exchange transaction	1979	1566	5279	4755	7833	4241	3392	3829
	f) Miscellaneous income	3234	6245	7355	10644	6338	2724	3388	4775

	Total (I+II)	179914	191546	217376	241650	361422	309583	267944	302645


Expenditure & Provisions
III.	Interest expended	116919	126746	151868	161129	235803	191267	174528	196809
	a) Interest on deposits	104290	113924	145806	153129	229745	185570	171817	193689
	b) Interest on RBI/inter-bank borrowings	2872	2797	3840	5937	2391	1697	1472	1158
	c) Others	9757	10025	2222	2063	3668	4000	1239	1962

IV.	Operating expenses	41139	57990	63122	74362	86456	87656	42824	52425
	a) Payments to and provisions for employees	29304	43450	49339	59327	61186	66914	23137	31514
	b) Rent, taxes and lighting	2879	3323	4376	4602	5002	6011	5521	5730
	c) Printing and stationery	604	689	827	857	1247	851	834	931
	d) Advertisement and publicity	293	207	64	54	650	199	204	197
	e) Depreciation on Bank's property	1755	2143	1600	2253	4424	4095	4169	4101
	f) Directors' fees, allowances and expenses	25	28	11	3	34	5	28	14
	g) Auditors' fees and expenses	217	404	371	413	535	409	281	303
	h) Law charges	123	92	64	116	682	74	329	325
	i) Postage, telegrams, telephones, etc.	597	793	281	178	1034	579	892	987
	j) Repairs and maintenance	864	1008	1235	1375	964	300	470	365
	k) Insurance	935	1302	956	1141	1718	1492	1136	1431
	l) Other expenditure	3543	4552	3999	4044	8981	6727	5822	6528

V.	Provisions and contingencies	15569	33423	45083	33559	29039	19068	22729	33122

	Total expenses@	158058	184735	214990	235491	322259	278923	217352	249234

VI.	Profit (loss)	6287	-26612	-42697	-27400	10124	11593	27862	20289


	Total (III+IV+V+VI)	179914	191546	217376	241650	361422	309583	267944	302645

(Amount in Rs. lakh)

		For the year ended March 31

Items		Punjab & Sind		Punjab National		Syndicate Bank		Union Bank of
		Bank		Bank				India

		2000	2001	2000	2001	2000	2001	2000	2001

		(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

Income
I.	Interest Earned	113046	123746	515455	586348	243763	279218	374799	373295
	a) Interest/discount on advances/bills	52555	58678	251423	282354	132414	157847	178308	195506
	b) Income on Investments	54428	58387	241710	274178	105210	113015	185825	152444
	c) Interest on balances with	5295	6231	17154	15229	5744	6952	9485	20222
	RBI and other inter-bank funds
	d) Others	769	451	5168	14587	394	1403	1182	5123

II.	Other income	15469	16628	72766	77842	30648	28142	43740	31158
	a) Commission, exchange and brokerage	4473	4632	38171	41935	10115	11072	24978	12130
	b) Net Profit (loss) on sale of investments	5290	6903	21492	24203	6069	6653	13256	3435
	c) Net Profit (loss) on revaluation of investments	0	0	-2	-2575	0	-1367	0	0
	d) Net Profit (loss) on sale of land, building & other assets	5	1	68	37	9	18	10	-12
	e) Net Profit (loss) on exchange transaction	2291	2443	7616	9415	7041	3561	3363	8954
	f) Miscellaneous income	3410	2650	5420	4827	7414	8206	2134	6652

	Total (I+II)	128516	140375	588221	664190	274411	307360	418540	404454


Expenditure & Provisions
III.	Interest expended	85108	90108	353820	382505	161233	169853	252160	251395
	a) Interest on deposits	81357	85072	336679	360946	157531	164507	245367	242708
	b) Interest on RBI/inter-bank borrowings	635	826	2907	3923	241	680	1469	2193
	c) Others	3116	4210	14234	17636	3461	4666	5324	6495

IV.	Operating expenses	33586	39993	152385	187164	85120	107727	124225	101933
	a) Payments to and provisions for employees	24216	30509	118367	145908	66921	88143	99083	75619
	b) Rent, taxes and lighting	2115	2210	7198	8241	4874	5313	5508	5531
	c) Printing and stationery	372	471	2234	2445	617	711	1330	1305
	d) Advertisement and publicity	117	110	434	471	160	147	309	605
	e) Depreciation on Bank's property	1507	1378	4299	7463	1827	1959	3172	4465
	f) Directors' fees, allowances and expenses	10	3	12	17	16	15	12	14
	g) Auditors' fees and expenses	207	231	720	885	396	479	491	639
	h) Law charges	79	60	584	603	69	57	506	459
	i) Postage, telegrams, telephones, etc.	532	548	2366	2567	1050	1148	489	950
	j) Repairs and maintenance	397	457	1368	1697	694	787	1090	1039
	k) Insurance	617	646	3055	3311	1014	1112	1657	1924
	l) Other expenditure	3416	3371	11748	13556	7484	7857	10577	9385

V.	Provisions and contingencies	3677	8948	41202	48157	6492	6286	27087	35578

	Total expenses@	118694	130101	506205	569669	246354	277580	376384	353329

VI.	Profit (loss)	6144	1326	40814	46364	21565	23494	15069	15547


	Total (III+IV+V+VI)	128516	140375	588221	664190	274411	307360	418540	404454

(Amount in Rs. lakh)

		For the year ended March 31

Items		United Bank of		UCO Bank		Vijaya Bank
		India

		2000	2001	2000	2001	2000	2001

		(33)	(34)	(35)	(36)	(37)	(38)

Income
I.	Interest Earned	169690	193083	197750	227470	119754	135618
	a) Interest/discount on advances/bills	47848	58568	76345	95206	55699	65173
	b) Income on Investments	116119	130284	107701	116813	58527	64601
	c) Interest on balances with	3915	3476	8899	9435	4064	4776
	RBI and other inter-bank funds
	d) Others	1808	755	4805	6016	1463	1069

II.	Other income	13957	16474	24890	29771	11681	15626
	a) Commission, exchange and brokerage	7014	7229	10599	11898	5071	5153
	b) Net Profit (loss) on sale of investments	3145	5113	4028	7337	1250	267
	c) Net Profit (loss) on revaluation of investments	0	0	0	0	0	3908
	d) Net Profit (loss) on sale of land, building & other assets	3	0	581	2	11	20
	e) Net Profit (loss) on exchange transaction	32	198	1264	1758	1551	2350
	f) Miscellaneous income	3764	3935	8418	8777	3798	3928

	Total (I+II)	183647	209557	222641	257241	131434	151245


Expenditure & Provisions
III.	Interest expended	128646	141724	142493	161264	80937	89583
	a) Interest on deposits	126925	140224	134900	154413	77841	85983
	b) Interest on RBI/inter-bank borrowings	791	570	5516	4421	417	435
	c) Others	930	930	2078	2431	2679	3166

IV.	Operating expenses	46572	54161	62464	74600	37953	43813
	a) Payments to and provisions for employees	38657	44752	50623	61795	27265	33042
	b) Rent, taxes and lighting	2001	2199	3242	3337	2898	3075
	c) Printing and stationery	597	673	821	759	376	639
	d) Advertisement and publicity	66	75	123	98	46	61
	e) Depreciation on Bank's property	540	880	1346	1831	1814	1603
	f) Directors' fees, allowances and expenses	29	21	14	5	12	2
	g) Auditors' fees and expenses	241	255	302	326	172	233
	h) Law charges	58	72	153	113	37	60
	i) Postage, telegrams, telephones, etc.	352	414	256	292	181	211
	j) Repairs and maintenance	321	319	260	307	129	106
	k) Insurance	790	898	834	1019	642	678
	l) Other expenditure	2920	3604	4491	4719	4381	4104

V.	Provisions and contingencies	5293	11758	14019	18078	7260	10775

	Total expenses@	175218	195885	204957	235864	118890	133397

VI.	Profit (loss)	3136	1914	3664	3300	5284	7073


	Total (III+IV+V+VI)	183647	209557	222641	257241	131434	151245