Table 6: Bank Group-Wise Earnings and Expenses of Scheduled Commercial Banks in India - 2000-2001 and 2001-2002 - ஆர்பிஐ - Reserve Bank of India
Table 6: Bank Group-Wise Earnings and Expenses of Scheduled Commercial Banks in India - 2000-2001 and 2001-2002
(Amount in Rs. crore) | |||||||||||||||||||
For the year ended March 31 | |||||||||||||||||||
Items | State Bank of India and its Associates | Nationalised Banks | Regional Rural Banks | Foreign Banks | Other Scheduled Commercial Banks | All Scheduled Commercial Banks | |||||||||||||
2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | ||||||||
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | (9) | (10) | (11) | (12) | ||||||||
Number of reporting banks | 8 | 8 | 19 | 19 | 196 | 196 | 42 | 40 | 31 | 30 | 296 | 293 | |||||||
I. | Interest earned | 34017 | 38746 | 56967 | 61979 | 4619 | 5191 | 9471 | 9700 | 14496 | 16549 | 119570 | 132165 | ||||||
a) | Interest/discount on advances/bills | 15019 | 15309 | 27998 | 30629 | 1685 | 1984 | 5156 | 5331 | 7229 | 8073 | 57087 | 61328 | ||||||
b) | Income on Investments | 14864 | 18464 | 25624 | 27834 | 1577 | 1651 | 3607 | 3670 | 6313 | 7387 | 51985 | 59005 | ||||||
c) | Interest on balances with RBI and other inter-bank funds | 1958 | 3366 | 2881 | 3078 | 1225 | 1411 | 581 | 611 | 844 | 972 | 7489 | 9438 | ||||||
d) | Others | 2176 | 1607 | 464 | 438 | 132 | 144 | 127 | 88 | 110 | 116 | 3009 | 2394 | ||||||
II. | Other income | 5356 | 6017 | 7159 | 10510 | 240 | 370 | 2513 | 3260 | 2099 | 4269 | 17367 | 24426 | ||||||
a) | Commission, exchange and brokerage | 3512 | 3715 | 3062 | 3096 | 83 | 102 | 1284 | 1269 | 1001 | 1133 | 8942 | 9315 | ||||||
b) | Net Profit (loss) on sale and revaluation of investments | 695 | 1015 | 1677 | 4807 | 9 | 90 | 351 | 1025 | 442 | 2487 | 3173 | 9424 | ||||||
c) | Net Profit (loss) on sale of land, building & other assets | - | 16 | 12 | 9 | 6 | - | (10) | 16 | (1) | 16 | 8 | 56 | ||||||
d) | Net Profit (loss) on exchange transactions | 439 | 549 | 926 | 998 | - | - | 702 | 726 | 245 | 249 | 2312 | 2521 | ||||||
e) | Miscellaneous income | 710 | 722 | 1482 | 1600 | 142 | 178 | 185 | 225 | 413 | 384 | 2932 | 3110 | ||||||
Total (I+II) | 39372 | 44763 | 64127 | 72490 | 4859 | 5561 | 11984 | 12960 | 16595 | 20817 | 136937 | 156590 | |||||||
III. | Interest expended | 22903 | 26556 | 38790 | 42598 | 2966 | 3329 | 5768 | 6054 | 10691 | 12308 | 81117 | 90845 | ||||||
a) | Interest on deposits | 21535 | 25114 | 36839 | 40464 | 2641 | 2976 | 3657 | 3763 | 9760 | 11228 | 74433 | 83546 | ||||||
b) | Interest on RBI/inter-bank borrowings | 619 | 457 | 770 | 684 | 253 | 271 | 1707 | 2065 | 432 | 498 | 3781 | 3976 | ||||||
c) | Others | 749 | 985 | 1180 | 1449 | 71 | 82 | 405 | 225 | 499 | 582 | 2904 | 3323 | ||||||
IV. | Operating expenses | 10730 | 9487 | 17284 | 16935 | 1165 | 1459 | 3111 | 3393 | 3056 | 3881 | 35344 | 35155 | ||||||
a) | Payments to and provisions for employees | 7832 | 6760 | 13143 | 12317 | 1004 | 1261 | 990 | 1123 | 1286 | 1613 | 24256 | 23074 | ||||||
b) | Rent, taxes and lighting | 619 | 687 | 1053 | 1177 | 30 | 34 | 259 | 257 | 333 | 421 | 2294 | 2576 | ||||||
c) | Printing and stationery | 134 | 155 | 194 | 208 | 14 | 16 | 65 | 76 | 95 | 117 | 502 | 571 | ||||||
d) | Advertisement and publicity | 35 | 30 | 49 | 63 | - | 1 | 177 | 147 | 89 | 76 | 350 | 317 | ||||||
e) | Depreciation on bank’s property | 493 | 532 | 676 | 799 | 13 | 15 | 357 | 288 | 425 | 523 | 1964 | 2157 | ||||||
f) | Directors’ fees, allowances and expenses | 1 | 1 | 2 | 4 | - | - | 1 | 1 | 3 | 5 | 8 | 11 | ||||||
g) | Auditors’ fees and expenses | 46 | 54 | 94 | 121 | 4 | 4 | 3 | 3 | 8 | 9 | 154 | 191 | ||||||
h) | Law charges | 39 | 46 | 58 | 59 | 1 | 1 | 37 | 30 | 16 | 16 | 150 | 152 | ||||||
i) | Postage, telegrams, telephones, etc. | 84 | 90 | 160 | 169 | 9 | 11 | 180 | 201 | 121 | 163 | 554 | 635 | ||||||
j) | Repairs and maintenance | 73 | 78 | 195 | 212 | 3 | 3 | 154 | 190 | 116 | 207 | 541 | 691 | ||||||
k) | Insurance | 139 | 179 | 283 | 319 | 17 | 21 | 48 | 48 | 68 | 81 | 555 | 647 | ||||||
l) | Other expenditure | 1235 | 875 | 1376 | 1488 | 70 | 91 | 840 | 1030 | 495 | 650 | 4015 | 4134 | ||||||
V. | Provisions and contingencies | 3518 | 5270 | 5958 | 8102 | 128 | 163 | 2085 | 2021 | 1687 | 2849 | 13376 | 18405 | ||||||
Total expenses@ | 33633 | 36043 | 56073 | 59533 | 4130 | 4787 | 8879 | 9447 | 13747 | 16189 | 116461 | 125999 | |||||||
VI. | Profit (loss) | 2222 | 3449 | 2095 | 4855 | 601 | 610 | 1020 | 1492 | 1162 | 1779 | 7100 | 12186 | ||||||
@ : Excluding 'Provisions and Contingencies'.
1. Figures in brackets indicate loss.
Source : Annual accounts of banks of respective years
Graph - 3
Earnings, Expenses and Profits of Scheduled Commercial Banks - 1997-98 to 2001-02
(For the year ended March 31)
Graph - 4
Composition of Major Items in Total Earnings of Sheduled Commercial Banks: 2000-2001 and 2001-2002
(For the year ended 31st March)
Composition of Major Items in Total Expenses* of Sheduled Commercial Banks: 2000-2001 and 2001-2002
(For the year ended 31st March)