Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 2 of 7) - ఆర్బిఐ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 2 of 7)
NATIONALISED BANKS |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
Dena |
Indian |
Indian Overseas |
Oriental Bank of |
|||||||
Items |
Bank |
Bank |
Bank |
Commerce |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
Income |
||||||||||
I . |
Interest Earned |
121642 |
149239 |
146421 |
162521 |
198449 |
229896 |
145804 |
187286 |
|
a) |
Interest/discount on advances/bills |
67753 |
79897 |
82425 |
80176 |
98219 |
110990 |
73896 |
93294 |
|
b) |
Income on investments |
51185 |
64115 |
60111 |
77662 |
82296 |
92685 |
66854 |
84694 |
|
c) |
Interest on balances with |
2365 |
4425 |
3885 |
4684 |
17443 |
25257 |
4318 |
7021 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
340 |
802 |
- |
- |
491 |
964 |
737 |
2278 |
|
II. |
Other income |
18414 |
15315 |
20206 |
19876 |
20699 |
25088 |
13845 |
17355 |
|
a) |
Commission, exchange and brokerage |
7105 |
7199 |
6840 |
7416 |
11447 |
12547 |
7201 |
8208 |
|
b) |
Net profit on sale of investments |
6032 |
1614 |
1498 |
2853 |
1686 |
2202 |
1457 |
2347 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
9 |
(36) |
23 |
8 |
46 |
66 |
9 |
7 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
1916 |
3521 |
6506 |
5551 |
3963 |
7287 |
3256 |
3591 |
|
f) |
Miscellaneous income |
3353 |
3017 |
5339 |
4049 |
3557 |
2986 |
1922 |
3202 |
|
|
Total(I+II) |
140056 |
164554 |
166627 |
182397 |
219148 |
254985 |
159649 |
204641 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
78987 |
105189 |
135286 |
142795 |
149003 |
173327 |
95855 |
128973 |
|
a) |
Interest on deposits |
73479 |
95886 |
117295 |
135644 |
144427 |
167402 |
93850 |
127006 |
|
b) |
Interest on RBI/inter-bank borrowings |
349 |
1032 |
5707 |
3161 |
4267 |
5218 |
1056 |
1045 |
|
c) |
Others |
5158 |
8271 |
12283 |
3991 |
309 |
707 |
949 |
922 |
|
IV. |
Operating expenses |
33708 |
37764 |
52292 |
55925 |
54710 |
67362 |
30056 |
37063 |
|
a) |
Payments to and provisions for employees |
24476 |
27551 |
39132 |
42687 |
40807 |
50860 |
18497 |
21680 |
|
b) |
Rent, taxes and lighting |
2157 |
2393 |
3899 |
4128 |
4314 |
4949 |
3608 |
4687 |
|
c) |
Printing and stationery |
751 |
751 |
779 |
831 |
713 |
728 |
640 |
734 |
|
d) |
Advertisement and publicity |
336 |
433 |
73 |
41 |
225 |
176 |
148 |
293 |
|
e) |
Depreciation on bank's property |
1046 |
1384 |
1730 |
1464 |
1837 |
2423 |
1725 |
2634 |
|
f) |
Directors' fees, allowances and expenses |
16 |
23 |
11 |
9 |
17 |
18 |
24 |
31 |
|
g) |
Auditors' fees and expenses |
173 |
183 |
279 |
306 |
289 |
371 |
185 |
240 |
|
h) |
Law charges |
76 |
130 |
118 |
148 |
115 |
143 |
334 |
282 |
|
i) |
Postage, telegrams, telephones, etc. |
440 |
478 |
349 |
364 |
437 |
685 |
640 |
787 |
|
j) |
Repairs and maintenance |
709 |
843 |
1044 |
1163 |
177 |
222 |
329 |
385 |
|
k) |
Insurance |
641 |
790 |
842 |
961 |
1008 |
1284 |
559 |
846 |
|
l) |
Other expenditure |
2887 |
2806 |
4036 |
3822 |
4771 |
5502 |
3365 |
4464 |
|
V. |
Provisions and contingencies |
16857 |
10592 |
9200 |
61526 |
4128 |
8762 |
12738 |
15593 |
|
Total expenses@ |
112695 |
142953 |
187577 |
198720 |
203713 |
240689 |
125911 |
166036 |
||
VI. |
Profit |
10504 |
11009 |
(30150) |
(77850) |
11306 |
5534 |
21000 |
23012 |
|
|
Total (III+IV+V+VI) |
140056 |
164554 |
166627 |
182397 |
219148 |
254985 |
159649 |
204641 |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
Punjab & |
Punjab National |
Syndicate |
Union Bank of |
|||||||
Items |
Sind Bank |
Bank |
Bank |
India |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
Income |
||||||||||
I . |
Interest Earned |
84425 |
98674 |
399224 |
444796 |
169323 |
208651 |
250403 |
286904 |
|
a) |
Interest/discount on advances/bills |
40432 |
47378 |
196110 |
218181 |
74791 |
108895 |
125917 |
135373 |
|
b) |
Income on investments |
39257 |
45820 |
182058 |
197626 |
88478 |
90677 |
107758 |
127128 |
|
c) |
Interest on balances with |
3582 |
4566 |
16442 |
18150 |
4962 |
5619 |
13649 |
21230 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
1154 |
910 |
4615 |
10839 |
1093 |
3460 |
3078 |
3174 |
|
II. |
Other income |
11533 |
11209 |
63658 |
54469 |
22022 |
27109 |
20767 |
26259 |
|
a) |
Commission, exchange and brokerage |
3818 |
4712 |
28023 |
32832 |
7490 |
9007 |
9859 |
10073 |
|
b) |
Net profit on sale of investments |
2845 |
1611 |
23729 |
7858 |
3572 |
2080 |
155 |
3431 |
|
c) |
Net profit on revaluation of investments |
- |
- |
(2) |
(2) |
(235) |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
8 |
6 |
72 |
65 |
28 |
11 |
15 |
18 |
|
other assets |
||||||||||
e) |
Net profit on exchange transaction |
2621 |
2301 |
6156 |
7376 |
6121 |
9022 |
6775 |
6888 |
|
f) |
Miscellaneous income |
2242 |
2579 |
5681 |
6339 |
5046 |
6988 |
3962 |
5849 |
|
|
Total(I+II) |
95959 |
109883 |
462882 |
499265 |
191345 |
235760 |
271169 |
313163 |
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
60662 |
73402 |
269908 |
279536 |
113722 |
142516 |
168749 |
203750 |
|
a) |
Interest on deposits |
58953 |
70790 |
253991 |
267684 |
111813 |
140048 |
167431 |
202494 |
|
b) |
Interest on RBI/inter-bank borrowings |
115 |
460 |
351 |
1213 |
470 |
335 |
1163 |
1191 |
|
c) |
Others |
1594 |
2152 |
15565 |
10639 |
1439 |
2133 |
155 |
65 |
|
IV. |
Operating expenses |
25289 |
27309 |
112863 |
137602 |
64084 |
74638 |
67468 |
78415 |
|
a) |
Payments to and provisions for employees |
18094 |
18917 |
87144 |
106893 |
50346 |
58931 |
43555 |
51410 |
|
b) |
Rent, taxes and lighting |
1579 |
1856 |
5529 |
6470 |
3903 |
4560 |
3973 |
4337 |
|
c) |
Printing and stationery |
370 |
345 |
1977 |
2031 |
558 |
598 |
1425 |
1336 |
|
d) |
Advertisement and publicity |
112 |
140 |
304 |
392 |
83 |
87 |
630 |
610 |
|
e) |
Depreciation on bank's property |
986 |
1003 |
3475 |
3997 |
930 |
1333 |
3286 |
3788 |
|
f) |
Directors' fees, allowances and expenses |
6 |
7 |
18 |
22 |
16 |
18 |
29 |
25 |
|
g) |
Auditors' fees and expenses |
140 |
155 |
755 |
656 |
362 |
334 |
348 |
403 |
|
h) |
Law charges |
38 |
77 |
605 |
472 |
54 |
65 |
507 |
397 |
|
i) |
Postage, telegrams, telephones, etc. |
472 |
497 |
1921 |
2286 |
804 |
913 |
973 |
1080 |
|
j) |
Repairs and maintenance |
347 |
332 |
1034 |
1357 |
439 |
562 |
845 |
951 |
|
k) |
Insurance |
444 |
515 |
1814 |
2361 |
708 |
850 |
5052 |
6093 |
|
l) |
Other expenditure |
2700 |
3465 |
8286 |
10665 |
5880 |
6386 |
6843 |
7985 |
|
V. |
Provisions and contingencies |
3498 |
3128 |
32376 |
44915 |
5274 |
4348 |
9943 |
14976 |
|
Total expenses@ |
85951 |
100710 |
382771 |
417139 |
177806 |
217154 |
236217 |
282165 |
||
VI. |
Profit |
6509 |
6045 |
47735 |
37212 |
8266 |
14258 |
25010 |
16022 |
|
|
Total (III+IV+V+VI) |
95959 |
109883 |
462882 |
499265 |
191345 |
235760 |
271169 |
313163 |
Notes |
: |
1. @Excluding 'Provisions and Contingencies'. |
: |
2. Figures in bracket indicate loss. |
|
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |
NATIONALISED BANKS |
(Amount in Rs. lakh) |
||||||||
For the year ended 31st March |
||||||||
United Bank of |
United Commercial |
Vijaya |
||||||
Items |
India |
Bank |
Bank |
|||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
Income |
||||||||
I. |
Interest Earned |
133466 |
145300 |
144519 |
169276 |
81007 |
99998 |
|
a) |
Interest/discount on advances/bills |
37234 |
41561 |
56312 |
65083 |
36591 |
47619 |
|
b) |
Income on investments |
81094 |
95697 |
78152 |
90755 |
39545 |
47144 |
|
c) |
Interest on balances with |
3218 |
3951 |
8625 |
9101 |
3763 |
4672 |
|
RBI and other inter-bank funds |
||||||||
d) |
Others |
11921 |
4091 |
1431 |
4337 |
1108 |
562 |
|
II. |
Other income |
14058 |
11460 |
19236 |
18727 |
8155 |
10907 |
|
a) |
Commission, exchange and brokerage |
5868 |
5977 |
8737 |
9923 |
3728 |
4346 |
|
b) |
Net profit on sale of investments |
4354 |
990 |
2072 |
537 |
197 |
1306 |
|
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
|
d) |
Net profit on sale of land, building & |
2 |
3 |
- |
8 |
10 |
14 |
|
other assets |
||||||||
e) |
Net profit on exchange transaction |
785 |
697 |
4942 |
2202 |
1813 |
1816 |
|
f) |
Miscellaneous income |
3049 |
3793 |
3485 |
7131 |
2406 |
3426 |
|
Total(I+II) |
147524 |
156760 |
163755 |
188003 |
89161 |
110905 |
||
Expenditure & Provisions |
||||||||
III. |
Interest expended |
93628 |
110840 |
108481 |
124629 |
54961 |
68271 |
|
a) |
Interest on deposits |
91891 |
109524 |
104238 |
118037 |
53813 |
66728 |
|
b) |
Interest on RBI/inter-bank borrowings |
544 |
505 |
2251 |
3709 |
136 |
314 |
|
c) |
Others |
1192 |
811 |
1992 |
2883 |
1012 |
1229 |
|
IV. |
Operating expenses |
37465 |
41281 |
53770 |
59536 |
27825 |
31020 |
|
a) |
Payments to and provisions for employees |
30927 |
34084 |
44322 |
48396 |
20058 |
22035 |
|
b) |
Rent, taxes and lighting |
1737 |
1896 |
2896 |
3138 |
2454 |
2559 |
|
c) |
Printing and stationery |
587 |
541 |
696 |
692 |
363 |
361 |
|
d) |
Advertisement and publicity |
49 |
56 |
77 |
89 |
34 |
41 |
|
e) |
Depreciation on bank's property |
446 |
492 |
673 |
1101 |
1242 |
1735 |
|
f) |
Directors' fees, allowances and expenses |
25 |
28 |
22 |
18 |
20 |
21 |
|
g) |
Auditors' fees and expenses |
151 |
181 |
368 |
347 |
165 |
200 |
|
h) |
Law charges |
68 |
62 |
90 |
115 |
27 |
40 |
|
i) |
Postage, telegrams, telephones, etc. |
297 |
357 |
264 |
250 |
176 |
184 |
|
j) |
Repairs and maintenance |
316 |
306 |
184 |
282 |
118 |
131 |
|
k) |
Insurance |
604 |
701 |
679 |
795 |
422 |
544 |
|
l) |
Other expenditure |
2258 |
2578 |
3498 |
4310 |
2745 |
3170 |
|
V. |
Provisions and contingencies |
15469 |
3170 |
11125 |
10615 |
4044 |
8591 |
|
Total expenses@ |
131093 |
152121 |
162251 |
184165 |
82787 |
99291 |
||
VI. |
Profit |
962 |
1470 |
(9622) |
(6777) |
2331 |
3023 |
|
|
Total (III+IV+V+VI) |
147524 |
156760 |
163755 |
188003 |
89161 |
110905 |
OTHER SCHEDULED COMMERCIAL BANKS |
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||
Bank of |
Bank of |
Bank of |
Bareilly Corporation |
|||||||
Items |
Madura |
Punjab |
Rajasthan |
Bank |
||||||
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
1998 |
1999 |
|||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
||||||||||
I. |
Interest Earned |
28136 |
32322 |
14855 |
18645 |
35039 |
35027 |
3474 |
||
a) |
Interest/discount on advances/bills |
15418 |
14730 |
7081 |
8215 |
19793 |
18233 |
1283 |
||
b) |
Income on investments |
9745 |
12461 |
7568 |
9740 |
13587 |
13061 |
1823 |
||
c) |
Interest on balances with |
2770 |
5110 |
187 |
690 |
1616 |
2504 |
368 |
||
RBI and other inter-bank funds |
||||||||||
d) |
Others |
204 |
21 |
19 |
- |
43 |
1229 |
- |
||
II. |
Other income |
8878 |
9857 |
4139 |
4274 |
4541 |
4362 |
289 |
||
a) |
Commission, exchange and brokerage |
2431 |
2695 |
441 |
880 |
2305 |
1976 |
190 |
||
b) |
Net profit on sale of investments |
2098 |
1165 |
1799 |
1246 |
74 |
257 |
- |
||
c) |
Net profit on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
||
d) |
Net profit on sale of land, building & |
8 |
4 |
1 |
(4) |
- |
6 |
1 |
||
other assets |
||||||||||
e) |
Net profit on exchange transaction |
1303 |
2258 |
935 |
923 |
507 |
490 |
- |
||
f) |
Miscellaneous income |
3039 |
3735 |
963 |
1229 |
1654 |
1633 |
97 |
|
|
|
Total(I+II) |
37015 |
42179 |
18993 |
22920 |
39580 |
39389 |
3763 |
|
|
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
20045 |
25516 |
10864 |
14526 |
26919 |
28575 |
2323 |
||
a) |
Interest on deposits |
17568 |
23595 |
10572 |
14111 |
26528 |
28198 |
2319 |
||
b) |
Interest on RBI/inter-bank borrowings |
1666 |
1039 |
292 |
416 |
389 |
372 |
4 |
||
c) |
Others |
811 |
881 |
- |
- |
2 |
4 |
0 |
||
IV. |
Operating expenses |
9594 |
10570 |
3824 |
4224 |
9779 |
11930 |
1326 |
||
a) |
Payments to and provisions for employees |
4727 |
4843 |
573 |
717 |
6159 |
8174 |
1027 |
||
b) |
Rent, taxes and lighting |
539 |
585 |
597 |
816 |
650 |
751 |
88 |
||
c) |
Printing and stationery |
143 |
174 |
124 |
131 |
148 |
126 |
16 |
||
d) |
Advertisement and publicity |
164 |
112 |
234 |
183 |
142 |
60 |
3 |
||
e) |
Depreciation on bank's property |
2522 |
3060 |
771 |
1142 |
1200 |
1168 |
14 |
||
f) |
Directors' fees, allowances and expenses |
3 |
5 |
27 |
28 |
24 |
21 |
- |
||
g) |
Auditors' fees and expenses |
8 |
12 |
14 |
20 |
21 |
26 |
2 |
||
h) |
Law charges |
63 |
19 |
8 |
10 |
82 |
76 |
16 |
||
i) |
Postage, telegrams, telephones, etc. |
173 |
223 |
168 |
163 |
246 |
226 |
28 |
||
j) |
Repairs and maintenance |
128 |
226 |
132 |
149 |
104 |
49 |
5 |
||
k) |
Insurance |
108 |
140 |
92 |
93 |
112 |
180 |
18 |
||
l) |
Other expenditure |
1016 |
1172 |
1085 |
772 |
891 |
1073 |
109 |
||
V. |
Provisions and contingencies |
3957 |
3079 |
1069 |
928 |
11666 |
5629 |
21 |
||
Total expenses@ |
29639 |
36086 |
14688 |
18750 |
36698 |
40505 |
3648 |
|||
VI. |
Profit |
3419 |
3013 |
3235 |
3242 |
(8784) |
(6746) |
94 |
|
|
|
Total (III+IV+V+VI) |
37015 |
42179 |
18993 |
22920 |
39580 |
39389 |
3763 |
|
Notes |
: |
1. @Excluding 'Provisions and Contingencies'. |
: |
2. Figures in bracket indicate loss. |
|
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |