NATIONALISED BANKS

(Amount in Rs. lakh)

For the year ended March 31

Items

Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

2001

2002

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I. Interest Earned

206742

227284

187506

202983

575734

595555

531687

560868

a) Interest/discount on advances/bills

106405

111787

79408

98095

293825

305962

312874

329285

b) Income on Investments

93074

105428

103270

98864

215083

236770

180566

191862

c) Interest on balances with

6885

7829

4827

5261

61280

42898

35773

34894

RBI and other inter-bank funds

d) Others

379

2240

-

763

5547

9925

2474

4827

II. Other income

24293

38492

20462

30402

70628

99316

86191

110327

a) Commission, exchange and brokerage

14259

14347

7835

8815

29773

30547

32388

32397

b) Net Profit (loss) on sale of investments

5238

19303

6500

13602

10197

41538

19646

42704

c) Net Profit (loss) on revaluation of investments

-

-

-

-

62

-

-

-

d) Net Profit (loss) on sale of land, building & other assets

(4)

3

9

5

(13)

114

10

15

e) Net Profit (loss) on exchange transaction

2896

2873

1256

1589

13443

11745

10466

12424

f) Miscellaneous income

1904

1966

4863

6391

17166

15372

23683

22787

Total (I+II)

231035

265775

207968

233385

646362

694871

617878

671195

Expenditure & Provisions

III. Interest expended

138656

154237

137458

145448

381955

407611

366303

376900

a) Interest on deposits

135418

150808

130132

140410

358090

384836

321637

331431

b) Interest on RBI/inter-bank borrowings

221

119

3221

2001

7535

7191

34358

31629

c) Others

3016

3309

4104

3037

16329

15584

10308

13840

IV. Operating expenses

65779

70740

45639

45399

160760

156334

174373

153089

a) Payments to and provisions for employees

48072

49245

33879

31184

114573

105626

133882

108684

b) Rent, taxes and lighting

3978

4459

2407

2728

11923

15366

11456

12535

c) Printing and stationery

1109

1113

591

646

1914

1847

1942

2025

d) Advertisement and publicity

348

290

168

196

624

573

334

418

e) Depreciation on Bank's property

2049

3499

2144

2956

7725

9127

7416

6823

f) Directors' fees, allowances and expenses

29

37

8

11

22

39

7

5

g) Auditors' fees and expenses

420

422

293

486

1105

1139

736

1151

h) Law charges

294

278

252

237

1242

979

1151

1097

i) Postage, telegrams, telephones, etc.

1319

1241

438

418

1392

1370

444

500

j) Repairs and maintenance

835

911

743

875

3059

2848

1953

2298

k) Insurance

1132

1197

1086

1073

2875

3239

2151

2509

l) Other expenditure

6192

8049

3628

4589

14306

14181

12901

15044

V. Provisions and contingencies

22609

32777

12753

22311

76181

76333

52014

90323

Total expenses@

204435

224977

183096

190847

542715

563945

540676

529989

VI. Profit (loss)

3991

8021

12119

20227

27466

54593

25188

50883

Total (III+IV+V+VI)

231035

265775

207968

233385

646362

694871

617878

671195

(Amount in Rs. lakh)

For the year ended March 31

Items

Bank of Maharashtra

Canara Bank

Central Bank of

Corporation Bank

India

2001

2002

2001

2002

2001

2002

2001

2002

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I. Interest Earned

170588

199808

561827

637056

426526

465749

180453

194569

a) Interest/discount on advances/bills

70291

83463

292019

313048

196817

216937

93407

99687

b) Income on Investments

93591

109932

223430

249671

214598

223325

74384

82371

c) Interest on balances with

5683

5764

46339

70757

15111

25487

9369

9134

RBI and other inter-bank funds

d) Others

1023

649

38

3580

-

-

3293

3377

II. Other income

22239

30750

91779

142853

46944

60063

29209

38194

a) Commission, exchange and brokerage

9628

9913

32271

32217

27840

27202

13084

12371

b) Net Profit (loss) on sale of investments

8110

16700

20139

66281

14426

31780

6680

13510

c) Net Profit (loss) on revaluation of investments

-

-

-

-

(767)

(3821)

-

-

d) Net Profit (loss) on sale of land, building & other assets

6

68

66

74

6

3

1

13

e) Net Profit (loss) on exchange transaction

2312

1167

12381

12944

3129

2871

3655

5312

f) Miscellaneous income

2183

2902

26921

31337

2311

2028

5790

6988

Total (I+II)

192827

230558

653605

779909

473470

525812

209663

232763

Expenditure & Provisions

III. Interest expended

114757

141130

373525

455025

281607

312252

122321

132048

a) Interest on deposits

109470

135078

357477

435049

273107

299010

118418

128486

b) Interest on RBI/inter-bank borrowings

1050

621

2867

2171

1207

453

1952

1853

c) Others

4237

5431

13181

17805

7293

12789

1952

1709

IV. Operating expenses

54072

47924

166958

159261

144815

143124

34136

38422

a) Payments to and provisions for employees

42370

33568

125307

112252

115222

111880

20000

21390

b) Rent, taxes and lighting

2991

3230

13374

14432

6259

6709

3385

3921

c) Printing and stationery

551

552

1017

1642

1339

1346

657

750

d) Advertisement and publicity

148

206

333

598

336

456

400

523

e) Depreciation on Bank's property

2814

4234

6591

9268

4540

4549

2151

3197

f) Directors' fees, allowances and expenses

5

15

14

23

6

6

10

26

g) Auditors' fees and expenses

402

478

856

992

707

784

258

357

h) Law charges

105

123

80

85

597

752

30

35

i) Postage, telegrams, telephones, etc.

601

697

1597

1809

387

450

1160

1124

j) Repairs and maintenance

530

657

2469

2543

1293

1673

852

792

k) Insurance

789

1033

2538

3087

1943

2160

857

937

l) Other expenditure

2765

3131

12782

12530

12185

12359

4376

5370

V. Provisions and contingencies

19479

26963

84613

91484

42401

54106

27022

31483

Total expenses@

168829

189054

540483

614286

426422

455376

156457

170470

VI. Profit (loss)

4519

14541

28510

74140

4646

16330

26184

30810

Total (III+IV+V+VI)

192827

230558

653605

779910

473470

525812

209663

232763

(Amount in Rs. lakh)

For the year ended March 31

Items

Dena Bank

Indian Bank

Indian Overseas Bank

Oriental Bank of Commerce

2001

2002

2001

2002

2001

2002

2001

2002

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I. Interest Earned

171638

170840

210018

229393

279342

317069

275872

304047

a) Interest/discount on advances/bills

83896

80966

102215

108371

135053

153401

120269

141588

b) Income on Investments

81633

82454

104231

116171

124707

148291

144135

153748

c) Interest on balances with

3915

5945

3571

4523

19582

15376

9401

8084

RBI and other inter-bank funds

d) Others

2194

1474

-

328

-

-

2067

627

II. Other income

19908

35296

31632

50193

30242

53080

26772

47391

a) Commission, exchange and brokerage

8396

7803

9267

9792

17847

19123

9599

10187

b) Net Profit (loss) on sale of investments

3711

20134

5957

22627

5310

25738

9531

31058

c) Net Profit (loss) on revaluation of investments

-

-

-

-

74

(46)

(1000)

(2750)

d) Net Profit (loss) on sale of land, building & other assets

(10)

(4)

1010

478

45

70

39

(1)

e) Net Profit (loss) on exchange transaction

1566

1646

4755

5549

4241

5196

3829

3893

f) Miscellaneous income

6245

5717

10644

11747

2724

2999

4775

5004

Total (I+II)

191546

206136

241650

279586

309583

370149

302645

351438

Expenditure & Provisions

III. Interest expended

126746

126556

161129

176288

191267

220062

196809

206840

a) Interest on deposits

113924

116614

153129

168476

185570

211644

193689

203028

b) Interest on RBI/inter-bank borrowings

2797

2072

5937

4736

1697

1751

1158

957

c) Others

10025

7870

2063

3076

4000

6667

1962

2855

IV. Operating expenses

57990

46040

74362

72583

87656

88451

52425

52889

a) Payments to and provisions for employees

43450

32257

59327

56303

66914

65965

31514

28845

b) Rent, taxes and lighting

3323

3386

4602

4791

6011

6243

5730

6679

c) Printing and stationery

689

653

857

887

851

856

931

1042

d) Advertisement and publicity

207

247

54

98

199

138

197

215

e) Depreciation on Bank's property

2143

2385

2253

3118

4095

4424

4101

3911

f) Directors' fees, allowances and expenses

28

43

3

27

5

13

14

17

g) Auditors' fees and expenses

404

351

413

558

409

636

303

428

h) Law charges

92

92

116

71

74

90

325

544

i) Postage, telegrams, telephones, etc.

793

713

178

202

579

430

987

1038

j) Repairs and maintenance

1008

1098

1375

1367

300

399

365

431

k) Insurance

1302

1104

1141

979

1492

1775

1431

1756

l) Other expenditure

4552

3711

4044

4181

6727

7480

6528

7983

V. Provisions and contingencies

33423

32403

33559

27393

19068

38615

33122

59654

Total expenses@

184735

172596

235491

248871

278923

308513

249234

259729

VI. Profit (loss)

(26612)

1136

(27400)

3322

11593

23021

20289

32055

Total (III+IV+V+VI)

191546

206136

241650

279586

309583

370149

302645

351438

(Amount in Rs. lakh)

For the year ended March 31

Items

Punjab & Sind Bank

Punjab National Bank

Syndicate Bank

UCO Bank

2001

2002

2001

2002

2001

2002

2001

2002

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I. Interest Earned

123746

126589

586348

664787

279218

288241

227470

254178

a) Interest/discount on advances/bills

58678

58539

282354

331788

157847

159967

95206

117040

b) Income on Investments

58387

62176

274178

300276

113015

120674

116813

125065

c) Interest on balances with

6231

5352

15229

22763

6952

7442

9435

10334

RBI and other inter-bank funds

d) Others

451

522

14587

9960

1403

158

6016

1739

II. Other income

16628

22825

77842

97772

28142

27604

29771

58300

a) Commission, exchange and brokerage

4632

4509

41935

43399

11072

10335

11898

12290

b) Net Profit (loss) on sale of investments

6903

12622

24203

43791

6653

7385

7337

34636

c) Net Profit (loss) on revaluation of investments

-

239

(2575)

(5817)

(1367)

(687)

-

-

d) Net Profit (loss) on sale of land, building & other assets

1

-

37

37

18

9

2

10

e) Net Profit (loss) on exchange transaction

2443

2522

9415

9224

3561

2858

1758

2530

f) Miscellaneous income

2650

2933

4827

7138

8206

7704

8777

8834

Total (I+II)

140375

149414

664190

762559

307360

315845

257241

312478

Expenditure & Provisions

III. Interest expended

90108

94911

382505

435258

169853

177487

161264

181203

a) Interest on deposits

85072

91216

360946

412162

164507

170811

154413

170008

b) Interest on RBI/inter-bank borrowings

826

263

3923

4789

680

265

4421

5382

c) Others

4210

3432

17636

18307

4666

6411

2431

5813

IV. Operating expenses

39993

38133

187164

179920

107727

102834

74600

83677

a) Payments to and provisions for employees

30509

28089

145908

131632

88143

81578

61795

68673

b) Rent, taxes and lighting

2210

2327

8241

9431

5313

5821

3337

3655

c) Printing and stationery

471

499

2445

2856

711

801

759

804

d) Advertisement and publicity

110

140

471

842

147

181

98

170

e) Depreciation on Bank's property

1378

1479

7463

8523

1959

2458

1831

2225

f) Directors' fees, allowances and expenses

3

3

17

31

15

24

5

23

g) Auditors' fees and expenses

231

313

885

1331

479

796

326

479

h) Law charges

60

74

603

761

57

64

113

119

i) Postage, telegrams, telephones, etc.

548

585

2567

2850

1148

1226

292

582

j) Repairs and maintenance

457

502

1697

1898

787

951

307

404

k) Insurance

646

755

3311

3888

1112

1238

1019

1154

l) Other expenditure

3371

3367

13556

15879

7857

7696

4719

5389

V. Provisions and contingencies

8948

14066

48157

91141

6286

10469

18078

31146

Total expenses@

130101

133044

569669

615179

277580

280321

235864

264880

VI. Profit (loss)

1326

2304

46364

56239

23494

25055

3300

16452

Total (III+IV+V+VI)

140375

149414

664190

762559

307360

315845

257241

312478

(Amount in Rs. lakh)

For the year ended March 31

Items

Union Bank of India

United Bank of India

Vijaya Bank

2001

2002

2001

2002

2001

2002

(33)

(34)

(35)

(36)

(37)

(38)

Income

I. Interest Earned

373295

401568

193083

203478

135618

153850

a) Interest/discount on advances/bills

195506

216864

58568

64722

65173

71425

b) Income on Investments

152444

167451

130284

132337

64601

76514

c) Interest on balances with

20222

15371

3476

5104

4776

5454

RBI and other inter-bank funds

d) Others

5123

1882

755

1314

1069

458

II. Other income

31158

49915

16474

39388

15626

18882

a) Commission, exchange and brokerage

12130

12918

7229

6693

5153

4723

b) Net Profit (loss) on sale of investments

3435

15984

5113

28125

267

9017

c) Net Profit (loss) on revaluation of investments

-

-

-

-

3908

-2933

d) Net Profit (loss) on sale of land, building & other assets

(12)

(36)

-

5

20

15

e) Net Profit (loss) on exchange transaction

8954

11437

198

346

2350

3691

f) Miscellaneous income

6652

9612

3935

4220

3928

4370