OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Karur Vysya

Lakshmi Vilas

Lord Krishna

Nainital

Items

Bank

Bank

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I.

Interest Earned

26688

33762

15499

18684

10083

9688

3608

4265

a)

Interest/discount on advances/bills

16239

19321

9611

11266

6810

6074

1159

1189

b)

Income on investments

9508

12620

5262

6317

2832

3466

1389

1786

c)

Interest on balances with

901

1674

385

773

304

148

1044

1281

RBI and other inter-bank funds

d)

Others

40

147

241

328

137

-

16

9

II.

Other income

6557

4073

3488

3859

1337

1369

162

199

a)

Commission, exchange and brokerage

2795

3448

2186

2374

605

522

124

139

b)

Net profit on sale of investments

2771

(761)

502

503

60

241

1

3

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit on sale of land, building &

2

3

2

(3)

1

-

-

-

other assets

e)

Net profit on exchange transaction

517

594

391

339

-

-

-

-

f)

Miscellaneous income

472

789

407

646

671

606

36

58

Total(I+II)

33244

37836

18988

22543

11420

11057

3770

4464

Expenditure & Provisions

III.

Interest expended

18404

24691

11329

14343

8369

8486

2247

2566

a)

Interest on deposits

17335

23042

10568

13549

7431

7607

2240

2564

b)

Interest on RBI/inter-bank borrowings

509

703

110

720

54

3

6

2

c)

Others

559

947

650

74

885

876

2

-

IV.

Operating expenses

6526

6979

4866

5777

1780

1853

998

1111

a)

Payments to and provisions for employees

3770

4109

2624

3233

780

944

719

813

b)

Rent, taxes and lighting

312

339

344

400

234

317

87

90

c)

Printing and stationery

126

134

87

96

21

21

17

13

d)

Advertisement and publicity

184

122

47

32

41

10

3

4

e)

Depreciation on bank's property

1182

1229

751

697

393

276

16

18

f)

Directors' fees, allowances and expenses

11

11

1

6

4

6

2

3

g)

Auditors' fees and expenses

11

10

6

8

2

2

5

2

h)

Law charges

3

11

5

6

1

7

7

5

i)

Postage, telegrams, telephones, etc.

267

303

167

192

40

50

23

29

j)

Repairs and maintenance

94

119

21

23

18

6

7

6

k)

Insurance

109

135

63

84

36

34

16

17

l)

Other expenditure

457

458

749

999

209

181

97

111

V.

Provisions and contingencies

3960

2461

634

990

865

589

366

475

Total expenses@

24930

31671

16194

20120

10150

10340

3246

3677

VI.

Profit

4354

3704

2159

1433

405

128

158

312

Total (III+IV+V+VI)

33244

37836

18988

22543

11420

11057

3770

4464

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Nedungadi

Ratnakar

Sangli

SBI Commercial &

Items

Bank

Bank

Bank

Intl.Bank

1998

1999

1998

1999

1998

1999

1998

1999

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

Income

I.

Interest Earned

10220

14685

3303

4023

11072

11314

5349

6860

a)

Interest/discount on advances/bills

6787

9152

2107

2475

4717

4578

2811

3060

b)

Income on investments

3236

5222

1082

1431

5238

5084

1449

2033

c)

Interest on balances with

197

268

115

101

990

1427

700

826

RBI and other inter-bank funds

d)

Others

-

43

-

17

127

225

389

941

II.

Other income

1661

1700

358

347

2514

1599

1274

1318

a)

Commission, exchange and brokerage

638

828

143

163

646

1189

407

428

b)

Net profit on sale of investments

379

91

142

99

1437

47

449

27

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit on sale of land, building &

1

2

1

1

-

1

-

2

other assets

e)

Net profit on exchange transaction

299

381

-

-

197

122

281

366

f)

Miscellaneous income

344

399

71

84

234

240

137

496

Total(I+II)

11881

16385

3661

4370

13586

12914

6623

8178

Expenditure & Provisions

III.

Interest expended

7210

11360

2249

2799

7158

7863

4584

6035

a)

Interest on deposits

6838

10736

2045

2604

7039

7789

3714

5476

b)

Interest on RBI/inter-bank borrowings

25

195

108

86

93

53

530

467

c)

Others

347

429

96

109

27

21

340

91

IV.

Operating expenses

2852

3729

952

1138

3573

3804

600

748

a)

Payments to and provisions for employees

1912

2305

627

757

2751

3013

182

228

b)

Rent, taxes and lighting

175

288

96

117

261

281

80

95

c)

Printing and stationery

52

56

22

16

36

34

15

18

d)

Advertisement and publicity

42

29

4

6

3

2

6

7

e)

Depreciation on bank's property

90

101

69

115

129

82

98

109

f)

Directors' fees, allowances and expenses

9

8

1

2

1

1

8

3

g)

Auditors' fees and expenses

6

7

4

4

5

5

2

2

h)

Law charges

2

3

2

5

4

6

60

33

i)

Postage, telegrams, telephones, etc.

30

45

24

25

49

58

-

3

j)

Repairs and maintenance

2

6

5

6

31

27

19

26

k)

Insurance

36

48

13

19

50

52

37

49

l)

Other expenditure

496

833

84

64

254

242

93

174

V.

Provisions and contingencies

1094

487

160

129

2451

825

26

414

Total expenses@

10061

15089

3201

3937

10732

11668

5184

6782

VI.

Profit

726

808

300

304

402

421

1412

981

Total (III+IV+V+VI)

11881

16385

3661

4370

13586

12914

6623

8178

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

South Indian

Tamilnad Mercantile

Times

United Western

Items

Bank

Bank

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

I.

Interest Earned

33869

39989

20768

24586

21395

28640

25942

33537

a)

Interest/discount on advances/bills

20428

23690

12167

12774

12746

15646

16224

20678

b)

Income on investments

12592

14823

8036

10991

8042

11688

8713

11183

c)

Interest on balances with

849

1477

518

643

564

1306

982

1560

RBI and other inter-bank funds

d)

Others

-

-

47

179

44

-

24

116

II.

Other income

2604

3690

3900

4201

4533

4060

7515

5316

a)

Commission, exchange and brokerage

1179

1510

2245

2447

1465

2334

2093

2440

b)

Net profit on sale of investments

188

280

121

45

2553

610

2949

415

c)

Net profit on revaluation of investments

-

-

-

-

(10)

-

-

-

d)

Net profit on sale of land, building &

8

11

5

-

(1)

(5)

1

1

other assets

e)

Net profit on exchange transaction

514

821

731

684

499

748

692

721

f)

Miscellaneous income

715

1068

798

1026

27

373

1781

1738

Total(I+II)

36473

43679

24667

28786

25928

32700

33457

38853

Expenditure & Provisions

III.

Interest expended

26145

31178

13696

17356

17721

23204

18865

24527

a)

Interest on deposits

24901

29532

12859

16535

16573

21729

17957

23403

b)

Interest on RBI/inter-bank borrowings

98

366

27

46

608

964

908

1124

c)

Others

1146

1280

811

774

540

512

-

-

IV.

Operating expenses

7337

8983

4582

5508

4345

5648

6661

7944

a)

Payments to and provisions for employees

5396

6378

2646

3387

1169

1486

4222

5481

b)

Rent, taxes and lighting

603

709

365

410

649

791

484

546

c)

Printing and stationery

167

152

146

157

282

251

152

149

d)

Advertisement and publicity

33

42

94

60

183

190

28

32

e)

Depreciation on bank's property

238

290

294

342

523

661

875

675

f)

Directors' fees, allowances and expenses

2

3

6

12

11

5

4

7

g)

Auditors' fees and expenses

11

13

13

16

8

10

26

29

h)

Law charges

5

8

51

11

16

34

14

63

i)

Postage, telegrams, telephones, etc.

184

222

169

142

196

243

136

143

j)

Repairs and maintenance

52

66

166

239

415

589

90

85

k)

Insurance

134

171

84

100

100

129

122

152

l)

Other expenditure

511

928

549

634

795

1259

508

581

V.

Provisions and contingencies

916

2910

2574

2419

1381

1053

4578

2670

Total expenses@

33482

40161

18278

22864

22066

28852

25526

32471

VI.

Profit

2074

608

3815

3503

2481

2794

3353

3711

Total (III+IV+V+VI)

36473

43679

24667

28786

25928

32700

33457

38853

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

UTI

Vysya

Items

Bank

Bank

1998

1999

1998

1999

(65)

(66)

(67)

(68)

Income

I.

Interest Earned

25561

37328

64473

72549

a)

Interest/discount on advances/bills

16059

23682

37187

32470

b)

Income on investments

8802

11673

22774

26340

c)

Interest on balances with

585

1767

3881

9610

RBI and other inter-bank funds

d)

Others

115

206

632

4128

II.

Other income

6090

4663

13906

11161

a)

Commission, exchange and brokerage

1747

3272

4789

5403

b)

Net profit on sale of investments

3252

648

5987

1777

c)

Net profit on revaluation of investments

-

-

-

-

d)

Net profit on sale of land, building &

-

(15)

2

2

others assets

e)

Net profit on exchange transaction

285

454

1578

2668

f)

Miscellaneous income

806

304

1551

1312

Total(I+II)

31651

41991

78379

83710

Expenditure & Provisions

III.

Interest expended

22219

30063

54094

63049

a)

Interest on deposits

20537

26203

52373

61195

b)

Interest on RBI/inter-bank borrowings

914

1483

632

960

c)

Others

768

2377

1089

894

IV.

Operating expenses

3976

5103

12777

14473

a)

Payments to and provisions for employees

829

1202

7293

8674

b)

Rent, taxes and lighting

1089

1265

1585

1491

c)

Printing and stationery

108

142

304

342

d)