(Amount in Rs. lakh) |
Items |
As on March 31 |
Centurion
Bank of Punjab # |
City Union Bank |
Development Credit Bank |
Dhanalakshmi Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
|
|
|
|
|
|
|
|
|
I. |
Interest Earned |
34609 |
80320 |
29067 |
32639 |
30322 |
27714 |
19216 |
20989 |
|
a) |
Interest/discount on advances/bills |
26815 |
57948 |
18552 |
24447 |
18578 |
17609 |
12343 |
14455 |
|
b) |
Income on Investments |
5412 |
17990 |
10067 |
7675 |
9364 |
8703 |
6289 |
5375 |
|
c) |
Interest on balances with |
1070 |
3954 |
448 |
517 |
2380 |
1387 |
584 |
727 |
|
|
RBI and other inter-Bnaks Funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
1312 |
428 |
— |
— |
— |
15 |
— |
432 |
II. |
Other Income |
7220 |
31137 |
3344 |
4436 |
9128 |
8028 |
1471 |
2705 |
|
a) |
Commission, exchange and brokerage |
5827 |
19731 |
1492 |
1388 |
3686 |
3949 |
936 |
943 |
|
b) |
Net Profit (loss) on sale of investments |
68 |
330 |
- 655 |
804 |
1555 |
1389 |
- 694 |
-90 |
|
c) |
Net Profit (loss) on revaluation of |
— |
— |
— |
— |
— |
— |
— |
— |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net Profit (loss) on sale of land and |
- 156 |
161 |
2 |
7 |
- 11 |
- 7 |
32 |
— |
|
|
other Assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
— |
— |
419 |
382 |
1009 |
1059 |
205 |
230 |
|
f) |
Miscellaneous income |
1481 |
10915 |
2086 |
1855 |
2889 |
1638 |
992 |
1622 |
|
Total (I+II) |
41829 |
111457 |
32411 |
37075 |
39450 |
35742 |
20687 |
23694 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest expended |
16821 |
40443 |
17983 |
18661 |
23352 |
20196 |
11906 |
12689 |
|
a) |
Interest on deposits |
14613 |
37581 |
17920 |
18426 |
20529 |
17682 |
11404 |
12079 |
|
b) |
Interest on RBI/inter-bank borrowings |
408 |
1389 |
57 |
122 |
1886 |
2150 |
14 |
40 |
|
c) |
Others |
1800 |
1473 |
6 |
113 |
937 |
364 |
488 |
570 |
IV. |
Operating Expenses |
21918 |
49966 |
6261 |
7500 |
16511 |
17513 |
6936 |
8181 |
|
a) |
Payments to and provisions for employees |
4270 |
13927 |
3094 |
3633 |
5434 |
5170 |
3942 |
4182 |
|
b) |
Rent, taxes and lighting |
1927 |
5055 |
477 |
815 |
2065 |
2189 |
808 |
1003 |
|
c) |
Printing and stationery |
594 |
1613 |
114 |
154 |
335 |
262 |
113 |
125 |
|
d) |
Advertisement and publicity |
772 |
1290 |
197 |
108 |
311 |
67 |
95 |
77 |
|
e) |
Depreciation on bank’s property |
2973 |
5148 |
307 |
425 |
1269 |
787 |
609 |
715 |
|
f) |
Directors’ fees, allowances and expenses |
8 |
44 |
15 |
18 |
118 |
88 |
27 |
24 |
|
g) |
Auditors’ fees and expenses |
17 |
38 |
13 |
16 |
41 |
27 |
23 |
27 |
|
h) |
Law charges |
130 |
233 |
10 |
4 |
173 |
92 |
77 |
90 |
|
i) |
Postage, telegrams, telephones, etc. |
721 |
2187 |
134 |
325 |
406 |
400 |
205 |
274 |
|
j) |
Repairs and maintenance |
1388 |
3024 |
82 |
110 |
280 |
320 |
58 |
200 |
|
k) |
Insurance |
308 |
940 |
266 |
370 |
285 |
343 |
169 |
231 |
|
l) |
Other expenditure |
8810 |
16467 |
1552 |
1522 |
5794 |
7768 |
810 |
1233 |
V. |
Provisions and contingencies |
579 |
12268 |
3535 |
5278 |
15879 |
6560 |
4005 |
1873 |
|
Total expenses @ |
38739 |
90409 |
24244 |
26161 |
39863 |
37709 |
18842 |
20870 |
VI. |
Profit (loss) during the year |
2511 |
8780 |
4632 |
5636 |
- 16292 |
- 8527 |
- 2160 |
951 |
|
Total (III+IV+V+VI) |
41829 |
111457 |
32411 |
37075 |
39450 |
35742 |
20687 |
23694 |
Notes: @ Excluding ‘Provisions and Contingencies’.
# See ‘Explanatory Notes’.
Source: Annual accounts of banks of respective years. |
(Amount in Rs. lakh) |
Items |
As on March 31 |
Federal Bank |
Ganesh Bank of Kurundwad # |
HDFC Bank |
ICICI Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
Income |
|
|
|
|
|
|
|
|
|
I. |
Interest Earned |
119103 |
143653 |
1814 |
|
309349 |
447534 |
940990 |
1378450 |
|
a) |
Interest/discount on advances/bills |
77276 |
91600 |
1170 |
|
166370 |
270020 |
675283 |
968496 |
|
b) |
Income on Investments |
37898 |
45817 |
556 |
|
131149 |
163166 |
222944 |
369276 |
|
c) |
Interest on balances with |
2772 |
3594 |
17 |
|
11809 |
14255 |
23201 |
33546 |
|
|
RBI and other inter-Bnaks Funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
1157 |
2642 |
71 |
|
21 |
93 |
19562 |
7132 |
II. |
Other Income |
21198 |
21695 |
- 70 |
|
65134 |
112398 |
341615 |
498313 |
|
a) |
Commission, exchange and brokerage |
6566 |
6993 |
54 |
|
60496 |
104505 |
192100 |
300195 |
|
b) |
Net Profit (loss) on sale of investments |
6462 |
3308 |
— |
|
- 7974 |
3754 |
54614 |
74975 |
|
c) |
Net Profit (loss) on revaluation of |
- 976 |
- 1615 |
- 164 |
|
1398 |
-
8966 |
- 9 |
- 5348 |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net Profit (loss) on sale of land and |
8 |
244 |
- 1 |
|
21 |
27 |
- 208 |
712 |
|
|
other Assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
2766 |
2017 |
— |
|
9117 |
9940 |
31464 |
47308 |
|
f) |
Miscellaneous income |
6372 |
10748 |
41 |
|
2076 |
3138 |
63654 |
80471 |
|
Total (I+II) |
140301 |
165348 |
1744 |
|
374483 |
559932 |
1282605 |
1876763 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest expended |
68874 |
83673 |
1495 |
|
131556 |
192950 |
657089 |
959745 |
|
a) |
Interest on deposits |
65680 |
79740 |
1494 |
|
110764 |
155943 |
325207 |
583668 |
|
b) |
Interest on RBI/inter-bank borrowings |
122 |
342 |
1 |
|
16616 |
31501 |
25277 |
92542 |
|
c) |
Others |
3072 |
3591 |
— |
|
4176 |
5506 |
306605 |
283535 |
IV. |
Operating Expenses |
31386 |
36457 |
520 |
|
108540 |
169109 |
329914 |
447951 |
|
a) |
Payments to and provisions for employees |
18578 |
22836 |
311 |
|
27667 |
48682 |
73741 |
108229 |
|
b) |
Rent, taxes and lighting |
3195 |
3225 |
26 |
|
11977 |
16831 |
18533 |
23480 |
|
c) |
Printing and stationery |
425 |
433 |
4 |
|
4637 |
6876 |
8766 |
11104 |
|
d) |
Advertisement and publicity |
372 |
281 |
1 |
|
5495 |
8085 |
11626 |
18555 |
|
e) |
Depreciation on bank’s property |
2744 |
2574 |
77 |
|
14407 |
17859 |
59036 |
62379 |
|
f) |
Directors’ fees, allowances and expenses |
29 |
46 |
1 |
|
15 |
19 |
39 |
32 |
|
g) |
Auditors’ fees and expenses |
286 |
287 |
1 |
|
72 |
59 |
176 |
185 |
|
h) |
Law charges |
281 |
381 |
23 |
|
244 |
243 |
971 |
1124 |
|
i) |
Postage, telegrams, telephones, etc. |
431 |
723 |
12 |
|
10155 |
15029 |
17363 |
21576 |
|
j) |
Repairs and maintenance |
877 |
824 |
7 |
|
7276 |
9051 |
21595 |
25807 |
|
k) |
Insurance |
1075 |
1581 |
18 |
|
3321 |
5182 |
5972 |
10803 |
|
l) |
Other expenditure |
3093 |
3266 |
39 |
|
23274 |
41193 |
112096 |
164677 |
V. |
Provisions and contingencies |
31031 |
22697 |
325 |
|
67831 |
110795 |
95080 |
215060 |
|
Total expenses @ |
100260 |
120130 |
2015 |
|
240096 |
362059 |
987003 |
1407696 |
VI. |
Profit (loss) during the year |
9010 |
22521 |
- 596 |
|
66556 |
87078 |
200522 |
254007 |
|
Total (III+IV+V+VI) |
140301 |
165348 |
1744 |
|
374483 |
559932 |
1282605 |
1876763 |
Notes: @ Excluding ‘Provisions and Contingencies’.
# See ‘Explanatory Notes’.
Source: Annual accounts of banks of respective years. |
(Amount in Rs. lakh) |
Items |
As on March 31 |
IndusInd Bank |
ING Vysya Bank |
Jammu & Kashmir Bank |
Karnataka Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
Income |
|
|
|
|
|
|
|
|
|
|
I. |
Interest Earned |
113440 |
118828 |
99057 |
122243 |
154923 |
170625 |
83993 |
101804 |
|
a) |
|
Interest/discount on advances/bills |
81136 |
85530 |
64678 |
82451 |
87553 |
110237 |
45920 |
61470 |
|
b) |
|
Income on Investments |
30636 |
31100 |
26525 |
30271 |
64545 |
56107 |
35682 |
37225 |
|
c) |
|
Interest on balances with |
1189 |
1418 |
1924 |
2649 |
2825 |
4281 |
2010 |
3106 |
|
|
|
RBI and other inter-Bnaks Funds |
|
|
|
|
|
|
|
|
|
d) |
|
Others |
479 |
780 |
5930 |
6872 |
— |
— |
381 |
3 |
II. |
Other Income |
25074 |
22609 |
12268 |
19032 |
9614 |
13318 |
22115 |
16680 |
|
a) |
|
Commission, exchange and brokerage |
3153 |
4051 |
11531 |
12581 |
4940 |
7193 |
6051 |
6279 |
|
b) |
|
Net Profit (loss) on sale of investments |
5795 |
1326 |
-4820 |
1986 |
30 |
569 |
13787 |
7788 |
|
c) |
|
Net Profit (loss) on revaluation of |
— |
— |
— |
— |
— |
— |
— |
— |
|
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
|
Net Profit (loss) on sale of land and |
- 633 |
- 434 |
92 |
305 |
— |
— |
- 30 |
- 14 |
|
|
|
other Assets |
|
|
|
|
|
|
|
|
|
e) |
|
Net profit (loss) on exchange transactions |
1431 |
1054 |
2420 |
706 |
662 |
739 |
1455 |
1465 |
|
f) |
|
Miscellaneous income |
15328 |
16612 |
3045 |
3454 |
3982 |
4817 |
852 |
1162 |
|
Total (I+II) |
138514 |
141437 |
111325 |
141275 |
164537 |
183943 |
106108 |
118484 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest expended |
71890 |
87319 |
63382 |
74124 |
95299 |
104252 |
52305 |
65206 |
|
a) |
|
Interest on deposits |
57024 |
77778 |
51623 |
61703 |
92917 |
102648 |
51479 |
63834 |
|
b) |
|
Interest on RBI/inter-bank borrowings |
11100 |
4990 |
2066 |
3286 |
1360 |
582 |
243 |
297 |
|
c) |
|
Others |
3766 |
4551 |
9693 |
9135 |
1022 |
1022 |
583 |
1075 |
IV. |
Operating Expenses |
26503 |
31662 |
38010 |
51879 |
32280 |
34526 |
19732 |
20450 |
|
a) |
|
Payments to and provisions for employees |
6016 |
8479 |
17611 |
23419 |
17882 |
19240 |
12516 |
11614 |
|
b) |
|
Rent, taxes and lighting |
2488 |
2853 |
2836 |
3501 |
2205 |
2276 |
1427 |
1852 |
|
c) |
|
Printing and stationery |
755 |
999 |
780 |
1049 |
406 |
389 |
213 |
269 |
|
d) |
|
Advertisement and publicity |
581 |
815 |
583 |
536 |
453 |
306 |
143 |
316 |
|
e) |
|
Depreciation on bank’s property |
4487 |
3599 |
3674 |
3720 |
4342 |
3892 |
1793 |
1780 |
|
f) |
|
Directors’ fees, allowances and expenses |
48 |
42 |
41 |
84 |
26 |
17 |
19 |
27 |
|
g) |
|
Auditors’ fees and expenses |
67 |
84 |
127 |
96 |
288 |
299 |
45 |
53 |
|
h) |
|
Law charges |
913 |
1072 |
112 |
199 |
70 |
59 |
96 |
99 |
|
i) |
|
Postage, telegrams, telephones, etc. |
1903 |
2061 |
1347 |
1794 |
432 |
414 |
177 |
100 |
|
j) |
|
Repairs and maintenance |
1885 |
1997 |
1963 |
3552 |
326 |
474 |
627 |
793 |
|
k) |
|
Insurance |
921 |
1271 |
1205 |
1886 |
1180 |
1533 |
770 |
1265 |
|
l) |
|
Other expenditure |
6439 |
8390 |
7731 |
12043 |
4670 |
5627 |
1906 |
2282 |
V. |
Provisions and contingencies |
19109 |
18775 |
13751 |
14365 |
25451 |
27480 |
19356 |
15226 |
|
Total expenses @ |
98393 |
118981 |
101392 |
126003 |
127579 |
138778 |
72037 |
85656 |
VI. |
Profit (loss) during the year |
21012 |
3681 |
-3818 |
907 |
11507 |
17685 |
14715 |
17602 |
|
Total (III+IV+V+VI) |
138514 |
141437 |
111325 |
141275 |
164537 |
183943 |
106108 |
118484 |
Notes: @ Excluding ‘Provisions and Contingencies’.
Source: Annual accounts of banks of respective years. |
(Amount in Rs. lakh) |
Items |
As on March 31 |
Karur Vysya Bank |
Kotak Mahindra Bank |
Lakshmi Vilas Bank |
Lord Krishna Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
Income |
|
|
|
|
|
|
|
|
|
|
I. |
Interest Earned |
59076 |
65085 |
42031 |
69402 |
29820 |
32206 |
19507 |
18430 |
|
a) |
|
Interest/discount on advances/bills |
38574 |
45316 |
31987 |
53905 |
18685 |
21667 |
11773 |
11683 |
|
b) |
|
Income on Investments |
18988 |
18694 |
9095 |
14355 |
10755 |
9534 |
7160 |
5958 |
|
c) |
|
Interest on balances with |
1514 |
1068 |
880 |
1053 |
326 |
1003 |
413 |
734 |
|
|
|
RBI and other inter-Bnaks Funds |
|
|
|
|
|
|
|
|
|
d) |
|
Others |
— |
7 |
69 |
89 |
54 |
2 |
161 |
55 |
II. |
Other Income |
11315 |
14311 |
13242 |
24293 |
3834 |
4606 |
115 |
2666 |
|
a) |
|
Commission, exchange and brokerage |
5883 |
7712 |
3609 |
15893 |
2883 |
3119 |
994 |
816 |
|
b) |
|
Net Profit (loss) on sale of investments |
2756 |
4888 |
1448 |
1607 |
- 747 |
- 1070 |
- 2753 |
61 |
|
c) |
|
Net Profit (loss) on revaluation of |
— |
— |
- 35 |
- 2017 |
— |
— |
— |
— |
|
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
|
Net Profit (loss) on sale of land and |
4 |
- 9 |
59 |
28 |
3 |
- 7 |
- 9 |
- 1 |
|
|
|
other Assets |
|
|
|
|
|
|
|
|
|
e) |
|
Net profit (loss) on exchange transactions |
1030 |
933 |
108 |
2853 |
506 |
456 |
434 |
496 |
|
f) |
|
Miscellaneous income |
1642 |
787 |
8053 |
5929 |
1189 |
2108 |
1449 |
1294 |
|
Total (I+II) |
70391 |
79396 |
55273 |
93695 |
33654 |
36812 |
19622 |
21096 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest expended |
33407 |
36796 |
19482 |
33908 |
19154 |
21657 |
13834 |
12964 |
|
a) |
|
Interest on deposits |
32294 |
35635 |
16172 |
27432 |
18035 |
20682 |
13114 |
12122 |
|
b) |
|
Interest on RBI/inter-bank borrowings |
779 |
652 |
1901 |
4811 |
183 |
51 |
56 |
178 |
|
c) |
|
Others |
334 |
509 |
1409 |
1665 |
936 |
924 |
664 |
664 |
IV. |
Operating Expenses |
17062 |
19736 |
22449 |
38731 |
9028 |
11163 |
5893 |
6917 |
|
a) |
|
Payments to and provisions for employees |
7636 |
8736 |
8586 |
17139 |
4717 |
5970 |
2468 |
3166 |
|
b) |
|
Rent, taxes and lighting |
1094 |
1340 |
1753 |
2668 |
734 |
773 |
1189 |
1241 |
|
c) |
|
Printing and stationery |
225 |
218 |
482 |
883 |
123 |
150 |
103 |
81 |
|
d) |
|
Advertisement and publicity |
834 |
431 |
1170 |
1116 |
80 |
72 |
159 |
148 |
|
e) |
|
Depreciation on bank’s property |
1951 |
2280 |
2346 |
2960 |
608 |
634 |
281 |
530 |
|
f) |
|
Directors’ fees, allowances and expenses |
33 |
38 |
7 |
8 |
17 |
20 |
7 |
7 |
|
g) |
|
Auditors’ fees and expenses |
29 |
38 |
43 |
78 |
17 |
17 |
39 |
18 |
|
h) |
|
Law charges |
69 |
38 |
126 |
306 |
67 |
34 |
43 |
29 |
|
i) |
|
Postage, telegrams, telephones, etc. |
904 |
638 |
970 |
1741 |
265 |
285 |
190 |
124 |
|
j) |
|
Repairs and maintenance |
283 |
289 |
814 |
1102 |
41 |
48 |
115 |
140 |
|
k) |
|
Insurance |
520 |
693 |
432 |
632 |
280 |
359 |
188 |
219 |
|
l) |
|
Other expenditure |
3484 |
4997 |
5720 |
10098 |
2079 |
2801 |
1111 |
1214 |
V. |
Provisions and contingencies |
9389 |
9329 |
4852 |
9233 |
5137 |
1745 |
2336 |
847 |
|
Total expenses @ |
50469 |
56532 |
41931 |
72639 |
28182 |
32820 |
19727 |
19881 |
VI. |
Profit (loss) during the year |
10533 |
13535 |
8490 |
11823 |
335 |
2247 |
- 2441 |
368 |
|
Total (III+IV+V+VI) |
70391 |
79396 |
55273 |
93695 |
33654 |
36812 |
19622 |
21096 |
Notes: @ Excluding ‘Provisions and Contingencies’.
Source: Annual accounts of banks of respective years. |
(Amount in Rs. lakh) |
Items |
As on March 31 |
Nainital Bank |
Ratnakar Bank |
Sangli Bank |
SBI Comm.&Int. Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
Income |
|
|
|
|
|
|
|
|
|
|
I. |
Interest Earned |
7355 |
9208 |
6555 |
7024 |
13704 |
13105 |
2584 |
3621 |
|
a) |
|
Interest/discount on advances/bills |
3227 |
4834 |
3948 |
4648 |
4520 |
5910 |
879 |
1702 |
|
b) |
|
Income on Investments |
3388 |
3534 |
2399 |
2184 |
7148 |
5420 |
824 |
802 |
|
c) |
|
Interest on balances with |
736 |
834 |
147 |
175 |
1068 |
1415 |
880 |
439 |
|
|
|
RBI and other inter-Bnaks Funds |
|
|
|
|
|
|
|
|
|
d) |
|
Others |
4 |
6 |
61 |
17 |
968 |
360 |
1 |
678 |
II. |
Other Income |
942 |
1274 |
501 |
636 |
883 |
711 |
927 |
1045 |
|
a) |
|
Commission, exchange and brokerage |
204 |
244 |
240 |
211 |
463 |
451 |
165 |
109 |
|
b) |
|
Net Profit (loss) on sale of investments |
527 |
658 |
82 |
218 |
148 |
18 |
- 61 |
- 63 |
|
c) |
|
Net Profit (loss) on revaluation of |
— |
— |
— |
— |
— |
— |
— |
— |
|
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
|
Net Profit (loss) on sale of land and |
— |
— |
12 |
6 |
-1 |
— |
3 |
— |
|
|
|
other Assets |
|
|
|
|
|
|
|
|
|
e) |
|
Net profit (loss) on exchange transactions |
— |
— |
— |
— |
71 |
47 |
52 |
75 |
|
f) |
|
Miscellaneous income |
211 |
372 |
167 |
201 |
202 |
195 |
768 |
924 |
|
Total (I+II) |
8297 |
10482 |
7056 |
7660 |
14587 |
13816 |
3511 |
4666 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest expended |
3648 |
4027 |
3875 |
4021 |
8634 |
8103 |
1653 |
1899 |
|
a) |
|
Interest on deposits |
3647 |
4013 |
3862 |
3979 |
8591 |
8079 |
1616 |
1541 |
|
b) |
|
Interest on RBI/inter-bank borrowings |
1 |
14 |
13 |
5 |
32 |
23 |
22 |
349 |
|
c) |
|
Others |
— |
— |
— |
37 |
11 |
1 |
15 |
9 |
IV. |
Operating Expenses |
2538 |
3665 |
2223 |
2341 |
5352 |
5921 |
766 |
765 |
|
a) |
|
Payments to and provisions for employees |
1767 |
2744 |
1323 |
1452 |
4106 |
4520 |
309 |
307 |
|
b) |
|
Rent, taxes and lighting |
194 |
226 |
293 |
302 |
376 |
392 |
110 |
116 |
|
c) |
|
Printing and stationery |
36 |
53 |
36 |
35 |
40 |
27 |
9 |
7 |
|
d) |
|
Advertisement and publicity |
8 |
17 |
5 |
8 |
8 |
7 |
4 |
4 |
|
e) |
|
Depreciation on bank’s property |
146 |
168 |
264 |
227 |
174 |
185 |
104 |
96 |
|
f) |
|
Directors’ fees, allowances and expenses |
4 |
3 |
6 |
6 |
2 |
2 |
6 |
10 |
|
g) |
|
Auditors’ fees and expenses |
13 |
10 |
5 |
6 |
16 |
17 |
3 |
3 |
|
h) |
|
Law charges |
7 |
11 |
32 |
24 |
57 |
38 |
32 |
23 |
|
i) |
|
Postage, telegrams, telephones, etc. |
45 |
47 |
41 |
33 |
66 |
64 |
9 |
12 |
|
j) |
|
Repairs and maintenance |
21 |
21 |
28 |
39 |
120 |
163 |
25 |
29 |
|
k) |
|
Insurance |
60 |
92 |
58 |
80 |
129 |
164 |
47 |
45 |
|
l) |
|
Other expenditure |
237 |
273 |
132 |
129 |
258 |
342 |
108 |
113 |
V. |
Provisions and contingencies |
977 |
1573 |
1900 |
1239 |
3731 |
2718 |
2094 |
1426 |
|
Total expenses @ |
6186 |
7692 |
6098 |
6362 |
13986 |
14024 |
2419 |
2664 |
VI. |
Profit (loss) during the year |
1134 |
1217 |
- 942 |
59 |
-3130 |
-2926 |
- 1002 |
576 |
|
Total (III+IV+V+VI) |
8297 |
10482 |
7056 |
7660 |
14587 |
13816 |
3511 |
4666 |
Notes: @ Excluding ‘Provisions and Contingencies’.
Source: Annual accounts of banks of respective years. |
(Amount in Rs. lakh) |
Items |
As on March 31 |
South Indian Bank |
Tamilnad
Mercantile Bank |
United
Western Bank |
UTI Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
Income |
|
|
|
|
|
|
|
|
|
|
I. |
Interest Earned |
70900 |
76133 |
51270 |
54832 |
48662 |
48627 |
192415 |
288879 |
|
a) |
|
Interest/discount on advances/bills |
43756 |
54926 |
24787 |
28904 |
30318 |
30815 |
97877 |
152804 |
|
b) |
|
Income on Investments |
25762 |
18714 |
24334 |
23034 |
16858 |
16528 |
86760 |
128568 |
|
c) |
|
Interest on balances with |
1382 |
2493 |
685 |
1294 |
848 |
844 |
3204 |
4164 |
|
|
|
RBI and other inter-Bnaks Funds |
|
|
|
|
|
|
|
|
|
d) |
|
Others |
— |
— |
1464 |
1600 |
638 |
440 |
4574 |
3343 |
II. |
Other Income |
10238 |
7227 |
6795 |
8262 |
6578 |
5619 |
41582 |
72964 |
|
a) |
|
Commission, exchange and brokerage |
2145 |
2247 |
3035 |
3050 |
2818 |
2979 |
33052 |
48891 |
|
b) |
|
Net Profit (loss) on sale of investments |
3708 |
1491 |
717 |
1691 |
190 |
- 851 |
- 1134 |
12981 |
|
c) |
|
Net Profit (loss) on revaluation of |
- 578 |
- 1823 |
— |
— |
— |
— |
— |
— |
|
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
|
Net Profit (loss) on sale of land and |
13 |
52 |
2 |
27 |
-6 |
- 12 |
- 239 |
- 170 |
|
|
|
other Assets |
|
|
|
|
|
|
|
|
|
e) |
|
Net profit (loss) on exchange transactions |
1074 |
993 |
860 |
905 |
1036 |
1001 |
4873 |
8689 |
|
f) |
|
Miscellaneous income |
3876 |
4267 |
2181 |
2589 |
2540 |
2502 |
5030 |
2573 |
|
Total (I+II) |
81138 |
83360 |
58065 |
63094 |
55240 |
54246 |
233997 |
361843 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest expended |
45207 |
45114 |
28157 |
30232 |
34009 |
32130 |
119298 |
181056 |
|
a) |
|
Interest on deposits |
43616 |
43402 |
26467 |
28714 |
32220 |
30721 |
106957 |
155170 |
|
b) |
|
Interest on RBI/inter-bank borrowings |
79 |
52 |
64 |
68 |
302 |
266 |
1257 |
6034 |
|
c) |
|
Others |
1512 |
1660 |
1626 |
1450 |
1487 |
1143 |
11084 |
19852 |
IV. |
Operating Expenses |
18708 |
22605 |
12489 |
12968 |
14023 |
18053 |
58136 |
81405 |
|
a) |
|
Payments to and provisions for employees |
11852 |
13937 |
7302 |
7480 |
7590 |
10830 |
17685 |
24020 |
|
b) |
|
Rent, taxes and lighting |
1524 |
1868 |
987 |
1062 |
1116 |
1356 |
8690 |
11367 |
|
c) |
|
Printing and stationery |
521 |
405 |
225 |
279 |
211 |
225 |
1917 |
2824 |
|
d) |
|
Advertisement and publicity |
218 |
227 |
170 |
215 |
126 |
112 |
1147 |
1705 |
|
e) |
|
Depreciation on bank’s property |
1241 |
1223 |
1087 |
967 |
1453 |
1044 |
8158 |
9219 |
|
f) |
|
Directors’ fees, allowances and expenses |
20 |
37 |
31 |
29 |
25 |
29 |
54 |
50 |
|
g) |
|
Auditors’ fees and expenses |
50 |
98 |
30 |
31 |
70 |
72 |
40 |
42 |
|
h) |
|
Law charges |
116 |
85 |
25 |
27 |
130 |
92 |
232 |
603 |
|
i) |
|
Postage, telegrams, telephones, etc. |
549 |
593 |
350 |
478 |
277 |
194 |
3058 |
4262 |
|
j) |
|
Repairs and maintenance |
387 |
507 |
424 |
475 |
408 |
632 |
7414 |
9501 |
|
k) |
|
Insurance |
651 |
822 |
349 |
475 |
454 |
582 |
2196 |
3456 |
|
l) |
|
Other expenditure |
1579 |
2803 |
1509 |
1450 |
2163 |
2885 |
7545 |
14356 |
V. |
Provisions and contingencies |
16353 |
10548 |
9186 |
9772 |
17072 |
14710 |
23104 |
50873 |
|
Total expenses @ |
63915 |
67719 |
40646 |
43200 |
48032 |
50183 |
177434 |
262461 |
VI. |
Profit (loss) during the year |
870 |
5093 |
8233 |
10122 |
- 9864 |
- 10647 |
33459 |
48509 |
|
Total (III+IV+V+VI) |
81138 |
83360 |
58065 |
63094 |
55240 |
54246 |
233997 |
361843 |
Notes: @ Excluding ‘Provisions and Contingencies’.
Source: Annual accounts of banks of respective years. |
(Amount in Rs. lakh) |
Items |
As on March 31 |
Yes Bank |
2005 |
2006 |
(57) |
(58) |
Income |
|
|
|
|
I. |
Interest Earned |
2997 |
19018 |
|
a) |
|
Interest/discount on advances/bills |
2311 |
13612 |
|
b) |
|
Income on Investments |
624 |
4753 |
|
c) |
|
Interest on balances with |
52 |
452 |
|
|
|
RBI and other inter-Bnaks Funds |
|
|
|
d) |
|
Others |
10 |
201 |
II. |
Other Income |
1817 |
9975 |
|
a) |
|
Commission, exchange and brokerage |
780 |
4193 |
|
b) |
|
Net Profit (loss) on sale of investments |
260 |
402 |
|
c) |
|
Net Profit (loss) on revaluation of |
- 1 |
- 4 |
|
|
|
investments |
|
|
|
d) |
|
Net Profit (loss) on sale of land and |
- 2 |
- 3 |
|
|
|
other Assets |
|
|
|
e) |
|
Net profit (loss) on exchange transactions |
702 |
4773 |
|
f) |
|
Miscellaneous income |
78 |
614 |
|
Total (I+II) |
4814 |
28993 |
Expenditure & Provisions |
|
|
III. |
Interest expended |
1185 |
10472 |
|
a) |
|
Interest on deposits |
890 |
8508 |
|
b) |
|
Interest on RBI/inter-bank borrowings |
295 |
1889 |
|
c) |
|
Others |
— |
75 |
IV. |
Operating Expenses |
3997 |
8612 |
|
a) |
|
Payments to and provisions for employees |
2127 |
5012 |
|
b) |
|
Rent, taxes and lighting |
274 |
772 |
|
c) |
|
Printing and stationery |
45 |
89 |
|
d) |
|
Advertisement and publicity |
248 |
177 |
|
e) |
|
Depreciation on bank’s property |
125 |
566 |
|
f) |
|
Directors’ fees, allowances and expenses |
10 |
10 |
|
g) |
|
Auditors’ fees and expenses |
11 |
23 |
|
h) |
|
Law charges |
102 |
39 |
|
i) |
|
Postage, telegrams, telephones, etc. |
49 |
122 |
|
j) |
|
Repairs and maintenance |
43 |
62 |
|
k) |
|
Insurance |
18 |
29 |
|
l) |
|
Other expenditure |
945 |
1711 |
V. |
Provisions and contingencies |
11 |
4376 |
|
Total expenses @ |
5182 |
19084 |
VI. |
Profit (loss) during the year |
- 379 |
5533 |
|
Total (III+IV+V+VI) |
4814 |
28993 |
Notes: @ Excluding ‘Provisions and Contingencies’.
Source: Annual accounts of banks of respective years. |
|
