OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)

For the year ended March 31

Items

Jammu & Kashmir Bank

Karnataka Bank

Karur Vysya Bank

Lakshmi Vilas Bank

2001

2002

2001

2002

2001

2002

2001

2002

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I. Interest Earned

107650

135374

65389

74324

46119

48230

25110

27150

a) Interest/discount on advances/bills

43545

63955

34659

38909

26681

25348

16896

17172

b) Income on Investments

56787

65159

25936

31753

16827

19160

7420

8803

c) Interest on balances with

7318

6260

4141

3542

2583

3698

564

1081

RBI and other inter-bank funds

d) Others

-

-

653

120

28

24

229

95

II. Other income

8078

25712

8948

24102

5386

10471

5884

8597

a) Commission, exchange and brokerage

2195

2807

4312

4561

4611

4491

3206

3209

b) Net Profit (loss) on sale of investments

1952

18247

3032

17974

(581)

4732

(195)

3436

c) Net Profit (loss) on revaluation of investments

-

1929

-

-

-

-

-

-

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

-

-

12

(21)

1

1

(4)

(1)

e) Net Profit (loss) on exchange transaction

375

421

942

1032

791

659

414

427

f) Miscellaneous income

3555

2308

651

556

564

588

2462

1527

Total (I+II)

115728

161086

74337

98426

51505

58701

30993

35748

Expenditure & Provisions

III. Interest expended

71961

91539

50189

60276

30574

31773

18454

20973

a) Interest on deposits

71328

87944

48990

59244

28220

30097

17204

20081

b) Interest on RBI/inter-bank borrowings

381

2573

703

653

904

605

988

519

c) Others

252

1022

496

379

1450

1071

262

374

IV. Operating expenses

16487

23423

10541

13062

9876

10753

6532

7038

a) Payments to and provisions for employees

9583

14421

7177

8897

4943

5310

3819

3999

b) Rent, taxes and lighting

1245

1362

859

904

510

571

521

586

c) Printing and stationery

342

376

146

159

171

166

118

131

d) Advertisement and publicity

325

441

46

60

183

161

71

120

e) Depreciation on Bank’s property

1698

2409

890

1185

931

1104

556

508

f) Directors’ fees, allowances and expenses

18

21

15

13

26

22

19

19

g) Auditors’ fees and expenses

104

146

26

32

17

16

13

16

h) Law charges

16

13

8

10

6

9

3

9

i) Postage, telegrams, telephones, etc.

197

223

124

181

403

400

233

256

j) Repairs and maintenance

133

170

124

238

133

174

23

36

k) Insurance

405

341

278

352

161

190

118

140

l) Other expenditure

2422

3500

849

1031

2392

2630

1036

1217

V. Provisions and contingencies

10523

20144

9066

15975

3850

5324

3333

4714

Total expenses@

88448

114962

60730

73338

40450

42526

24986

28011

VI. Profit (loss)

16756

25980

4541

9113

7205

10851

2674

3022

Total (III+IV+V+VI)

115728

161086

74337

98426

51505

58701

30993

35748

(Amount in Rs. lakh)

For the year ended March 31

Items

Lord Krishna Bank

Nainital Bank

Nedungadi Bank

Ratnakar Bank

2001

2002

2001

2002

2001

2002

2001

2002

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I. Interest Earned

12344

14413

5646

6325

17723

15534

6065

6420

a) Interest/discount on advances/bills

7566

7574

1450

1508

9800

8709

3090

3572

b) Income on Investments

4519

6254

3060

3649

7488

6343

2655

2264

c) Interest on balances with

140

524

1130

1164

401

476

311

577

RBI and other inter-bank funds

d) Others

119

61

6

4

33

6

8

7

II. Other income

2104

7532

241

342

2895

7004

903

2678

a) Commission, exchange and brokerage

1058

882

158

180

1104

892

191

196

b) Net Profit (loss) on sale of investments

558

6054

3

20

822

5218

479

2238

c) Net Profit (loss) on revaluation of investments

-

-

-

-

-

-

-

-

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

5

-

-

-

4

2

-

5

e) Net Profit (loss) on exchange transaction

-

-

-

-

506

346

-

-

f) Miscellaneous income

483

596

80

142

460

546

233

238

Total (I+II)

14448

21945

5888

6666

20617

22538

6968

9098

Expenditure & Provisions

III. Interest expended

10315

13087

3432

3761

15746

14534

4234

4445

a) Interest on deposits

9568

12207

3430

3760

15041

14062

3977

4384

b) Interest on RBI/inter-bank borrowings

252

241

2

-

173

13

116

60

c) Others

496

639

-

1

532

459

141

0

IV. Operating expenses

2614

3806

1481

1691

4807

4538

1694

2131

a) Payments to and provisions for employees

1381

1639

1071

1253

3187

3007

968

1385

b) Rent, taxes and lighting

366

727

114

130

437

467

217

226

c) Printing and stationery

44

79

18

23

61

65

23

28

d) Advertisement and publicity

137

116

5

5

56

23

5

6

e) Depreciation on Bank’s property

155

276

34

44

239

269

322

295

f) Directors’ fees, allowances and expenses

10

2

4

3

9

9

4

5

g) Auditors’ fees and expenses

4

11

4

5

14

9

6

5

h) Law charges

7

7

11

10

10

6

9

9

i) Postage, telegrams, telephones, etc.

70

107

34

35

59

54

28

32

j) Repairs and maintenance

13

39

9

8

2

2

12

15

k) Insurance

51

36

26

30

72

76

29

30

l) Other expenditure

376

767

152

146

661

551

71

96

V. Provisions and contingencies

1018

3081

470

641

6844

3339

638

1837

Total expenses@

12930

16893

4913

5452

20553

19072

5928

6576

VI. Profit (loss)

501

1971

505

573

(6780)

127

402

684

Total (III+IV+V+VI)

14448

21945

5888

6666

20617

22538

6968

9098

(Amount in Rs. lakh)

For the year ended March 31

Items

Sangli Bank

SBI Commercial & Intl. Bank

South Indian Bank

Tamilnad Mercantile Bank

2001

2002

2001

2002

2001

2002

2001

2002

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

Income

I. Interest Earned

14784

13866

6419

5691

54041

61547

37562

43289

a) Interest/discount on advances/bills

4900

5651

3094

2800

30325

35991

17955

20819

b) Income on Investments

8193

5290

2280

2236

21767

23593

18652

21504

c) Interest on balances with

1175

2703

1045

636

1949

1963

766

926

RBI and other inter-bank funds

d) Others

516

223

-

19

-

-

190

40

II. Other income

1392

3400

988

1606

7253

13854

5115

6246

a) Commission, exchange and brokerage

689

578

306

195

2381

2351

3237

3473

b) Net Profit (loss) on sale of investments

334

2507

107

1020

2527

8646

(62)

52

c) Net Profit (loss) on revaluation of investments

-

-

295

-

-

-

-

-

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

-

1

1

-

5

5

2

(1)

e) Net Profit (loss) on exchange transaction

158

102

196

211

818

1046

664

768

f) Miscellaneous income

212

212

84

178

1522

1805

1275

1954

Total (I+II)

16176

17266

7407

7296

61294

75401

42677

49535

Expenditure & Provisions

III. Interest expended

9681

9675

5650

5143

39094

46019

25484

28948

a) Interest on deposits

9318

9623

4827

4851

36954

44920

24246

27897

b) Interest on RBI/inter-bank borrowings

348

43

458

188

587

260

141

57

c) Others

15

9

365

104

1553

839

1096

994

IV. Operating expenses

4739

4981

914

844

11503

12091

6982

8534

a) Payments to and provisions for employees

3776

3861

302

289

8527

8440

4264

5078

b) Rent, taxes and lighting

359

349

144

138

951

1067

658

765

c) Printing and stationery

37

37

17

11

160

250

218

233

d) Advertisement and publicity

7

5

3

3

86

95

82

121

e) Depreciation on Bank's property

93

278

144

104

324

442

398

488

f) Directors' fees, allowances and expenses

1

2

4

5

5

12

9

9

g) Auditors' fees and expenses

6

11

3

3

37

40

20

25

h) Law charges

5

7

42

35

7

15

22

10

i) Postage, telegrams, telephones, etc.

58

62

7

9

257

332

92

150

j) Repairs and maintenance

45

49

23

23

96

93

225

284

k) Insurance

63

68

48

46

242

289

152

180

l) Other expenditure

290

253

177

177

810

1016

840

1191

V. Provisions and contingencies

1133

1606

5043

986

6547

11049

5172

6518

Total expenses@

14420

14656

6564

5986

50597

58111

32465

37482

VI. Profit (loss)

622

1004

(4200)

324

4150

6241

5040

5535

Total (III+IV+V+VI)

16176

17266

7407

7296

61294

75401

42677

49535

(Amount in Rs. lakh)

For the year ended March 31

Items

United Western Bank

UTI Bank

Vysya Bank

2001

2002

2001

2002

2001

2002

(57)

(58)

(59)

(60)

(61)

(62)

Income

I. Interest Earned

47273

49241

88963

117953

88929

92260

a) Interest/discount on advances/bills

26293

28851

47361

53957

45628

44971

b) Income on Investments

18052

17548

37389

60267

32034

35903

c) Interest on balances with

2518

2610

4041

3057

10725

10624

RBI and other inter-bank funds

d) Others

410

233

172

672

543

762

II. Other income

4628

15259

16300

41587

12385

28133

a) Commission, exchange and brokerage

2767

3049

8625

9762

7927

8438

b) Net Profit (loss) on sale of investments

75

10173

6378

30544

1513

15962

c) Net Profit (loss) on revaluation of investments

(697)

(147)

-

-

-

-

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

1

7

(8)

(78)

(3)

46

e) Net Profit (loss) on exchange transaction

607

808

521

865

949

1761

f) Miscellaneous income

1875

1370

783

494

1999

1926

Total (I+II)

51900

64500

105263

159540

101314

120393

Expenditure & Provisions

III. Interest expended

36315

39110

79136

98000

71598

74043

a) Interest on deposits

33995

36807

70374

85663

66336

66846

b) Interest on RBI/inter-bank borrowings

1058

1042

3345

5306

4089

5777

c) Others

1262

1262

5418

7031

1174

1420

IV. Operating expenses

9383

10044

12876

20547

18279

25906

a) Payments to and provisions for employees

6281

6674

2852

4957

10378

13966

b) Rent, taxes and lighting

676

667

2640

3601

1940

2131

c) Printing and stationery

212

217

436

668

459

466

d) Advertisement and publicity

64

62

557

664

134

114

e) Depreciation on Bank's property

808

1033

2173

3663

1355

2970

f) Directors' fees, allowances and expenses

9

7

15

17

50

42

g) Auditors' fees and expenses

35

44

21

28

51

48

h) Law charges

82

47

184

224

71

74

i) Postage, telegrams, telephones, etc.

118

143

838

1407

545

779

j) Repairs and maintenance

96

105

1017

1889

759

1153

k) Insurance

190

213

414

636

381

466

l) Other expenditure

811

831

1730

2793

2156

3697

V. Provisions and contingencies

5898

12770

4638

27579

7581

13569

Total expenses@

45698

49154

92013

118547

89878

99949

VI. Profit (loss)

304

2576

8612

13414

3855

6875

Total (III+IV+V+VI)

51900

64500

105263

159540

101314

120393

Notes

1. @: Excluding 'Provisions and Contingencies'.

2. Figures in bracket indicate loss.

Source: Annual accounts of banks of respective years.