B2 : Earnings and Expenses OD Scheduled Commercial Banks : 2002-03 and 2003-04 (Part 3 of 3) - RBI - Reserve Bank of India
B2 : Earnings and Expenses OD Scheduled Commercial Banks : 2002-03 and 2003-04 (Part 3 of 3)
(Amount in Rs. lakh) |
||||||||||||
|
As on March 31 |
|||||||||||
|
Federal Bank |
Ganesh Bank of Kurundwad |
Global Trust Bank |
HDFC Bank |
||||||||
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
||||
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
||||
Income |
|
|
|
|
|
|
|
|
||||
I. Interest Earned |
111147 |
119206 |
1899 |
1841 |
53960 |
35419 |
202297 |
254893 |
||||
a) Interest/discount on advances/bills |
66001 |
71428 |
1188 |
1174 |
32087 |
24298 |
78668 |
110866 |
||||
b) Income on Investments |
42308 |
43666 |
482 |
504 |
20678 |
9367 |
111295 |
132222 |
||||
c) Interest on balances with RBI and other inter- |
2776 |
3042 |
33 |
18 |
1099 |
1147 |
12044 |
11096 |
||||
d) Others |
62 |
1070 |
196 |
145 |
96 |
607 |
290 |
709 |
||||
II. Other Income |
23444 |
29786 |
487 |
448 |
19136 |
16106 |
47310 |
48003 |
||||
a) Commission, exchange and brokerage |
4954 |
5920 |
56 |
53 |
4268 |
4281 |
24181 |
32035 |
||||
b) Net Profit(loss) on sale of investments |
14356 |
17442 |
389 |
357 |
10343 |
5695 |
13246 |
3778 |
||||
c) Net Profit (loss) on revaluation of investments |
-845 |
-107 |
0 |
0 |
-88 |
88 |
0 |
-1091 |
||||
d) Net Profit(loss on sale ofland and other Assets |
23 |
6 |
0 |
-1 |
-23 |
1290 |
108 |
-45 |
||||
e) Net profit(loss) on exchange transactions |
1715 |
1877 |
0 |
0 |
1522 |
1832 |
4453 |
7400 |
||||
f) Miscellaneous income |
3241 |
4648 |
42 |
39 |
3114 |
2920 |
5322 |
5926 |
||||
Total(I+II) |
134591 |
148992 |
2386 |
2289 |
73096 |
51525 |
249607 |
302896 |
||||
Expenditure & Provisions |
|
|
|
|
|
|
|
|
||||
III. Interest expended |
77228 |
77029 |
1599 |
1589 |
51741 |
43514 |
119196 |
121105 |
||||
a) Interest on deposits |
72918 |
72305 |
1595 |
1587 |
48022 |
38152 |
106329 |
103829 |
||||
b) Interest on RBI/inter-bank borrowings |
429 |
170 |
4 |
2 |
121 |
102 |
10329 |
14362 |
||||
c) Others |
3881 |
4554 |
0 |
0 |
3598 |
5260 |
2538 |
2914 |
||||
IV. Operating Expenses |
22211 |
28290 |
454 |
501 |
17711 |
15891 |
59183 |
81000 |
||||
a) Payments to and provisions for employees |
13943 |
17825 |
254 |
305 |
4204 |
3723 |
15195 |
20409 |
||||
b) Rent, taxes and lighting |
2097 |
2526 |
25 |
24 |
2802 |
2861 |
7726 |
9844 |
||||
c) Printing and stationery |
345 |
370 |
10 |
11 |
462 |
380 |
2753 |
3748 |
||||
d) Advertisement and publicity |
254 |
356 |
1 |
1 |
542 |
242 |
1751 |
3706 |
||||
e) Depreciation on bank's property |
1926 |
2410 |
81 |
76 |
4462 |
3515 |
10614 |
12572 |
||||
f) Directors' fees, allowances and expenses |
24 |
31 |
1 |
2 |
14 |
10 |
4 |
12 |
||||
g) Auditors' fees and expenses |
152 |
200 |
1 |
1 |
72 |
69 |
26 |
49 |
||||
h) Law charges |
71 |
213 |
13 |
13 |
206 |
71 |
42 |
125 |
||||
i) Postage, telegrams, telephones, etc. |
304 |
377 |
11 |
12 |
921 |
860 |
5192 |
7700 |
||||
j) Repairs and maintenance |
452 |
587 |
3 |
3 |
1021 |
943 |
4567 |
6617 |
||||
k) Insurance |
513 |
627 |
10 |
8 |
430 |
416 |
1226 |
1790 |
||||
l) Other expenditure |
2130 |
2768 |
44 |
45 |
2575 |
2801 |
10087 |
14428 |
||||
V. Provisions and contingencies |
24648 |
30044 |
215 |
62 |
30914 |
73359 |
32468 |
49841 |
||||
Total expenses@ |
99439 |
105319 |
2053 |
2090 |
69452 |
59405 |
178379 |
202105 |
||||
VI. Profit (loss) |
10504 |
13629 |
118 |
137 |
-27270 |
-81239 |
38760 |
50950 |
||||
Total (III+IV+V+VI) |
134591 |
148992 |
2386 |
2289 |
73096 |
51525 |
249607 |
302896 |
||||
Notes |
|
|
|
|
|
|
|
|
||||
@ : Excluding 'Provisions and Contingencies'. |
||||||||||||
1. : Figures in brackets indicate loss. |
||||||||||||
Source : Annual accounts of banks of respective years . |
TABLE B5 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||||
|
|
|
|
|
(Amount in Rs. lakh) |
|||||
|
As on March 31 |
|||||||||
|
ICICI Bank |
IDBI Bank |
IndusInd Bank |
ING Vysya Bank |
||||||
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
||
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
||
Income |
|
|
|
|
|
|
|
|
||
I. Interest Earned |
936805 |
889403 |
59808 |
73677 |
74296 |
98615 |
90450 |
92416 |
||
a) Interest/discount on advances/bills |
601624 |
607385 |
36848 |
48773 |
46703 |
69694 |
48986 |
55872 |
||
b) Income on Investments |
291044 |
243174 |
21077 |
22905 |
24405 |
26034 |
33891 |
27078 |
||
c) Interest on balances with RBI and other inter- |
23557 |
21063 |
840 |
953 |
3140 |
2848 |
6488 |
3790 |
||
d) Others |
20580 |
17781 |
1043 |
1046 |
48 |
39 |
1085 |
5676 |
||
II. Other Income |
315883 |
306492 |
16505 |
21025 |
25775 |
34494 |
35830 |
36326 |
||
a) Commission, exchange and brokerage |
79179 |
107180 |
8191 |
12686 |
2341 |
2103 |
10123 |
10949 |
||
b) Net Profit(loss) on sale of investments |
168338 |
122463 |
4531 |
2687 |
19280 |
22683 |
20690 |
18478 |
||
c) Net Profit (loss) on revaluation of investments |
11 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
||
d) Net Profit(loss on sale ofland and other Assets |
-650 |
-320 |
-39 |
-6 |
-12 |
-645 |
36 |
54 |
||
e) Net profit(loss) on exchange transactions |
1024 |
19263 |
2065 |
2007 |
1415 |
1114 |
1875 |
1820 |
||
f) Miscellaneous income |
67981 |
57906 |
1757 |
3651 |
2751 |
9239 |
3106 |
5025 |
||
Total(I+II) |
1252688 |
1195895 |
76313 |
94702 |
100071 |
133109 |
126280 |
128742 |
||
Expenditure & Provisions |
|
|
|
|
|
|
|
|
||
III. Interest expended |
794400 |
701525 |
39645 |
40572 |
55848 |
66925 |
68756 |
68006 |
||
a) Interest on deposits |
247971 |
302302 |
32471 |
29627 |
51078 |
49992 |
63509 |
57914 |
||
b) Interest on RBI/inter-bank borrowings |
18337 |
22937 |
2939 |
5912 |
1119 |
9331 |
2012 |
1056 |
||
c) Others |
528092 |
376286 |
4235 |
5033 |
3651 |
7602 |
3235 |
9036 |
||
IV. Operating Expenses |
201169 |
257123 |
20656 |
25658 |
11792 |
21713 |
33340 |
34556 |
||
a) Payments to and provisions for employees |
40302 |
54606 |
5510 |
6780 |
2827 |
5037 |
17315 |
16755 |
||
b) Rent, taxes and lighting |
11158 |
14925 |
2921 |
2872 |
1584 |
2078 |
2224 |
2728 |
||
c) Printing and stationery |
7472 |
8610 |
841 |
850 |
295 |
548 |
612 |
700 |
||
d) Advertisement and publicity |
5818 |
6868 |
759 |
584 |
495 |
595 |
254 |
680 |
||
e) Depreciation on bank's property |
50594 |
53944 |
2694 |
2842 |
2525 |
3672 |
4997 |
4083 |
||
f) Directors' fees, allowances and expenses |
13 |
36 |
9 |
11 |
17 |
53 |
37 |
54 |
||
g) Auditors' fees and expenses |
150 |
168 |
16 |
25 |
53 |
84 |
65 |
80 |
||
h) Law charges |
852 |
869 |
136 |
63 |
267 |
1124 |
112 |
107 |
||
i) Postage, telegrams, telephones, etc. |
10415 |
14150 |
1596 |
1815 |
721 |
1464 |
1116 |
1254 |
||
j) Repairs and maintenance |
14487 |
18957 |
1257 |
1478 |
683 |
1455 |
1451 |
1846 |
||
k) Insurance |
2518 |
3350 |
479 |
552 |
403 |
506 |
580 |
740 |
||
l) Other expenditure |
57390 |
80640 |
4438 |
7786 |
1922 |
5097 |
4577 |
5529 |
||
V. Provisions and contingencies |
136501 |
73538 |
8901 |
15226 |
23413 |
18262 |
15551 |
20280 |
||
Total expenses@ |
995569 |
958648 |
60301 |
66230 |
67640 |
88638 |
102096 |
102562 |
||
VI. Profit (loss) |
120618 |
163709 |
7111 |
13246 |
9018 |
26209 |
8633 |
5900 |
||
Total (III+IV+V+VI) |
1252688 |
1195895 |
76313 |
94702 |
100071 |
133109 |
126280 |
128742 |
||
Notes |
|
|||||||||
@ : Excluding 'Provisions and Contingencies'. |
||||||||||
1. : Figures in brackets indicate loss. |
||||||||||
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2002-03 AND 2003-04 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
(Amount in Rs. lakh) |
|||||||
As on March 31 |
||||||||
Jammu & Kashmir Bank |
Karnataka Bank |
Karur Vysya Bank |
Kotak Mahindra Bank# |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
Income |
0 |
|||||||
I. Interest Earned |
142737 |
152125 |
81147 |
84845 |
51561 |
64763 |
0 |
28843 |
a) Interest/discount on advances/bills |
75985 |
82115 |
39994 |
41682 |
30286 |
36101 |
0 |
21053 |
b) Income on Investments |
62541 |
66419 |
38975 |
40516 |
16630 |
26593 |
0 |
7208 |
c) Interest on balances with RBI and other inter- |
4211 |
3591 |
1904 |
1833 |
4554 |
2004 |
0 |
506 |
d) Others |
0 |
0 |
274 |
814 |
91 |
65 |
0 |
76 |
II. Other Income |
28721 |
30170 |
23924 |
27028 |
13247 |
7425 |
0 |
9549 |
a) Commission, exchange and brokerage |
3487 |
4110 |
4816 |
5325 |
5029 |
5561 |
0 |
937 |
b) Net Profit(loss) on sale of investments |
21408 |
22646 |
17375 |
19631 |
6804 |
68 |
0 |
3020 |
c) Net Profit (loss) on revaluation of investments |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
-197 |
d) Net Profit(loss on sale ofland and other Assets |
0 |
0 |
-8 |
-18 |
-9 |
-3 |
0 |
65 |
e) Net profit(loss) on exchange transactions |
480 |
524 |
1213 |
1398 |
737 |
877 |
0 |
552 |
f) Miscellaneous income |
3346 |
2890 |
528 |
692 |
686 |
922 |
0 |
5172 |
Total(I+II) |
171458 |
182295 |
105071 |
111873 |
64808 |
72188 |
0 |
38392 |
Expenditure & Provisions |
0 |
|||||||
III. Interest expended |
90095 |
90136 |
65661 |
63477 |
34654 |
35042 |
0 |
11784 |
a) Interest on deposits |
86548 |
87618 |
64455 |
62233 |
32892 |
33312 |
0 |
5349 |
b) Interest on RBI/inter-bank borrowings |
2525 |
1496 |
820 |
727 |
943 |
1160 |
0 |
2021 |
c) Others |
1022 |
1022 |
386 |
517 |
819 |
570 |
0 |
4414 |
IV. Operating Expenses |
25989 |
29317 |
14072 |
15416 |
10411 |
15690 |
0 |
13955 |
a) Payments to and provisions for employees |
15847 |
16838 |
8921 |
9405 |
6010 |
7887 |
0 |
4414 |
b) Rent, taxes and lighting |
1618 |
2127 |
1111 |
1273 |
662 |
929 |
0 |
862 |
c) Printing and stationery |
278 |
127 |
186 |
213 |
183 |
223 |
0 |
325 |
d) Advertisement and publicity |
322 |
517 |
158 |
223 |
376 |
337 |
0 |
759 |
e) Depreciation on bank's property |
2973 |
3680 |
1495 |
1685 |
1090 |
1465 |
0 |
1605 |
f) Directors' fees, allowances and expenses |
13 |
21 |
13 |
19 |
32 |
28 |
0 |
3 |
g) Auditors' fees and expenses |
173 |
247 |
34 |
42 |
21 |
26 |
0 |
32 |
h) Law charges |
22 |
59 |
10 |
37 |
10 |
358 |
0 |
42 |
i) Postage, telegrams, telephones, etc. |
219 |
457 |
224 |
210 |
533 |
637 |
0 |
738 |
j) Repairs and maintenance |
207 |
263 |
345 |
514 |
236 |
250 |
0 |
537 |
k) Insurance |
534 |
710 |
427 |
362 |
251 |
287 |
0 |
153 |
l) Other expenditure |
3783 |
4271 |
1148 |
1433 |
1007 |
3263 |
0 |
4485 |
V. Provisions and contingencies |
21597 |
22209 |
14325 |
19662 |
7245 |
5351 |
0 |
4779 |
Total expenses@ |
116084 |
119453 |
79733 |
78893 |
45065 |
50732 |
0 |
25739 |
VI. Profit (loss) |
33777 |
40633 |
11013 |
13318 |
12498 |
16105 |
0 |
7874 |
Total (III+IV+V+VI) |
171458 |
182295 |
105071 |
111873 |
64808 |
72188 |
0 |
38392 |
Notes |
||||||||
@ : Excluding 'Provisions and Contingencies'. |
||||||||
1. : Figures in brackets indicate loss. |
||||||||
# : See 'Explanatory Notes' |
||||||||
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2002-03 AND 2003-04 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
As on March 31 |
||||||||
Lakshmi Vilas Bank |
Lord Krishna Bank |
Nainital Bank |
Ratnakar Bank |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
Income |
||||||||
I. Interest Earned |
27098 |
28596 |
15552 |
16642 |
6737 |
7009 |
6497 |
6517 |
a) Interest/discount on advances/bills |
17618 |
18057 |
8622 |
8748 |
1742 |
2331 |
3803 |
3863 |
b) Income on Investments |
8930 |
10100 |
6375 |
7033 |
3687 |
3684 |
2241 |
2229 |
c) Interest on balances with RBI and other inter- |
522 |
392 |
534 |
684 |
1305 |
990 |
453 |
407 |
d) Others |
28 |
47 |
21 |
177 |
3 |
4 |
0 |
18 |
II. Other Income |
8422 |
8686 |
6738 |
6808 |
477 |
1307 |
1936 |
1186 |
a) Commission, exchange and brokerage |
2755 |
2742 |
824 |
898 |
162 |
175 |
221 |
216 |
b) Net Profit(loss) on sale of investments |
4520 |
2400 |
4796 |
4176 |
170 |
946 |
1502 |
817 |
c) Net Profit (loss) on revaluation of investments |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
d) Net Profit(loss on sale ofland and other Assets |
-3 |
-4 |
1 |
7 |
0 |
0 |
-1 |
-1 |
e) Net profit(loss) on exchange transactions |
327 |
431 |
258 |
301 |
0 |
0 |
0 |
0 |
f) Miscellaneous income |
823 |
3117 |
859 |
1426 |
145 |
186 |
214 |
154 |
Total(I+II) |
35520 |
37282 |
22290 |
23450 |
7214 |
8316 |
8433 |
7703 |
Expenditure & Provisions |
||||||||
III. Interest expended |
20276 |
20252 |
12917 |
13252 |
3896 |
3701 |
4506 |
4289 |
a) Interest on deposits |
19507 |
19238 |
12472 |
12892 |
3894 |
3697 |
4469 |
4262 |
b) Interest on RBI/inter-bank borrowings |
289 |
313 |
81 |
28 |
1 |
2 |
37 |
17 |
c) Others |
480 |
701 |
364 |
332 |
1 |
2 |
0 |
10 |
IV. Operating Expenses |
7239 |
7930 |
4235 |
5368 |
2159 |
2553 |
1906 |
2023 |
a) Payments to and provisions for employees |
4301 |
4627 |
1809 |
2077 |
1617 |
1954 |
1115 |
1228 |
b) Rent, taxes and lighting |
636 |
673 |
799 |
965 |
146 |
166 |
257 |
268 |
c) Printing and stationery |
115 |
138 |
97 |
63 |
36 |
27 |
31 |
32 |
d) Advertisement and publicity |
57 |
83 |
116 |
279 |
4 |
7 |
8 |
8 |
e) Depreciation on bank's property |
483 |
496 |
406 |
528 |
104 |
99 |
296 |
254 |
f) Directors' fees, allowances and expenses |
23 |
20 |
3 |
6 |
4 |
3 |
6 |
6 |
g) Auditors' fees and expenses |
16 |
18 |
20 |
28 |
7 |
10 |
3 |
4 |
h) Law charges |
14 |
150 |
8 |
40 |
9 |
14 |
6 |
10 |
i) Postage, telegrams, telephones, etc. |
240 |
261 |
110 |
165 |
35 |
41 |
31 |
36 |
j) Repairs and maintenance |
30 |
41 |
54 |
87 |
12 |
22 |
20 |
21 |
k) Insurance |
140 |
132 |
84 |
89 |
31 |
36 |
31 |
32 |
l) Other expenditure |
1184 |
1291 |
729 |
1041 |
154 |
174 |
102 |
124 |
V. Provisions and contingencies |
4589 |
4995 |
2831 |
2195 |
400 |
840 |
1060 |
546 |
Total expenses@ |
27515 |
28182 |
17152 |
18620 |
6055 |
6254 |
6412 |
6312 |
VI. Profit (loss) |
3416 |
4105 |
2307 |
2635 |
759 |
1222 |
961 |
845 |
Total (III+IV+V+VI) |
35520 |
37282 |
22290 |
23450 |
7214 |
8316 |
8433 |
7703 |
Notes |
||||||||
@ : Excluding 'Provisions and Contingencies'. |
||||||||
1. : Figures in brackets indicate loss. |
||||||||
Source : Annual accounts of banks of respective years . |
TABLE B5 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
|
|
|
(Amount in Rs. lakh) |
||||
|
As on March 31 |
|||||||
|
Sangli Bank |
SBI Comm.& Int. Bank |
South Indian Bank |
Tamilnadu Mercantile Bank |
||||
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
Income |
|
|
|
|
|
|
|
|
I. Interest Earned |
13896 |
13484 |
4890 |
3953 |
65535 |
68029 |
47158 |
53766 |
a) Interest/discount on advances/bills |
6046 |
4977 |
1627 |
1738 |
37253 |
35807 |
21736 |
23328 |
b) Income on Investments |
5129 |
6693 |
1922 |
1126 |
26157 |
30919 |
24424 |
26354 |
c) Interest on balances with RBI and other inter- |
2273 |
1175 |
775 |
1085 |
2125 |
1303 |
814 |
526 |
d) Others |
448 |
639 |
566 |
4 |
0 |
0 |
184 |
3558 |
II. Other Income |
3162 |
3043 |
1257 |
2046 |
18240 |
23514 |
5937 |
6790 |
a) Commission, exchange and brokerage |
527 |
474 |
165 |
142 |
1924 |
2017 |
3567 |
3327 |
b) Net Profit(loss) on sale of investments |
2319 |
2321 |
286 |
386 |
13261 |
18731 |
11 |
987 |
c) Net Profit (loss) on revaluation of investments |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
d) Net Profit(loss on sale ofland and other Assets |
0 |
0 |
1 |
0 |
0 |
-7 |
-6 |
-7 |
e) Net profit(loss) on exchange transactions |
94 |
57 |
98 |
50 |
962 |
932 |
889 |
712 |
f) Miscellaneous income |
222 |
191 |
707 |
1468 |
2093 |
1841 |
1476 |
1771 |
Total(I+II) |
17058 |
16527 |
6147 |
5999 |
83775 |
91543 |
53095 |
60556 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. Interest expended |
9919 |
8244 |
3626 |
2604 |
47942 |
48005 |
30242 |
32196 |
a) Interest on deposits |
9892 |
8218 |
3534 |
2596 |
46858 |
46548 |
29792 |
27980 |
b) Interest on RBI/inter-bank borrowings |
21 |
19 |
67 |
3 |
30 |
33 |
33 |
79 |
c) Others |
6 |
7 |
25 |
5 |
1054 |
1424 |
417 |
4137 |
IV. Operating Expenses |
5120 |
5480 |
884 |
796 |
14184 |
19341 |
9280 |
11371 |
a) Payments to and provisions for employees |
3904 |
4080 |
316 |
303 |
9436 |
13072 |
5544 |
6457 |
b) Rent, taxes and lighting |
375 |
369 |
154 |
127 |
1143 |
1395 |
817 |
931 |
c) Printing and stationery |
36 |
41 |
11 |
9 |
455 |
574 |
210 |
265 |
d) Advertisement and publicity |
10 |
9 |
2 |
2 |
131 |
239 |
99 |
148 |
e) Depreciation on bank's property |
271 |
308 |
110 |
105 |
696 |
1027 |
888 |
905 |
f) Directors' fees, allowances and expenses |
1 |
2 |
5 |
6 |
18 |
17 |
15 |
23 |
g) Auditors' fees and expenses |
14 |
14 |
3 |
3 |
41 |
47 |
31 |
29 |
h) Law charges |
7 |
47 |
25 |
25 |
13 |
187 |
18 |
34 |
i) Postage, telegrams, telephones, etc. |
70 |
71 |
19 |
7 |
451 |
548 |
25 |
217 |
j) Repairs and maintenance |
55 |
107 |
19 |
24 |
300 |
332 |
335 |
433 |
k) Insurance |
73 |
77 |
44 |
43 |
322 |
385 |
204 |
168 |
l) Other expenditure |
304 |
355 |
176 |
142 |
1178 |
1518 |
1094 |
1761 |
V. Provisions and contingencies |
843 |
1590 |
2492 |
801 |
14414 |
15765 |
7196 |
8921 |
Total expenses@ |
15039 |
13724 |
4510 |
3400 |
62126 |
67346 |
39522 |
43567 |
VI. Profit (loss) |
1176 |
1213 |
-855 |
1798 |
7235 |
8432 |
6377 |
8068 |
Total (III+IV+V+VI) |
17058 |
16527 |
6147 |
5999 |
83775 |
91543 |
53095 |
60556 |
Notes |
|
|||||||
@ : Excluding 'Provisions and Contingencies'. |
||||||||
1. : Figures in brackets indicate loss. |
||||||||
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OD SCHEDULED COMMERCIAL BANKS : 2002-03 AND 2003-04 |
||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||
United Western Bank |
UTI Bank |
|||
2003 |
2004 |
2003 |
2004 |
|
|
(57) |
(58) |
(59) |
(60) |
Income |
||||
I. Interest Earned |
47714 |
46273 |
146481 |
158671 |
a) Interest/discount on advances/bills |
28524 |
27087 |
73614 |
76752 |
b) Income on Investments |
17454 |
17878 |
57623 |
63890 |
c) Interest on balances with RBI and other inter- |
1557 |
1202 |
3682 |
3295 |
d) Others |
179 |
106 |
11562 |
14734 |
II. Other Income |
14474 |
13316 |
41047 |
54015 |
a) Commission, exchange and brokerage |
2798 |
2742 |
14377 |
18241 |
b) Net Profit(loss) on sale of investments |
9004 |
7605 |
24614 |
32084 |
c) Net Profit (loss) on revaluation of investments |
0 |
0 |
0 |
0 |
d) Net Profit(loss on sale ofland and other Assets |
14 |
-1 |
-153 |
-149 |
e) Net profit(loss) on exchange transactions |
804 |
856 |
1667 |
2758 |
f) Miscellaneous income |
1854 |
2114 |
542 |
1081 |
Total(I+II) |
62188 |
59589 |
187528 |
212686 |
Expenditure & Provisions |
||||
III. Interest expended |
35825 |
34088 |
114241 |
102145 |
a) Interest on deposits |
33778 |
32114 |
105692 |
93441 |
b) Interest on RBI/inter-bank borrowings |
638 |
369 |
2668 |
1943 |
c) Others |
1409 |
1605 |
5881 |
6761 |
IV. Operating Expenses |
12557 |
12221 |
32285 |
41921 |
a) Payments to and provisions for employees |
8587 |
7570 |
8523 |
12125 |
b) Rent, taxes and lighting |
768 |
888 |
4851 |
6580 |
c) Printing and stationery |
221 |
199 |
1306 |
1587 |
d) Advertisement and publicity |
60 |
150 |
757 |
1081 |
e) Depreciation on bank's property |
1090 |
1435 |
4891 |
6189 |
f) Directors' fees, allowances and expenses |
10 |
13 |
24 |
32 |
g) Auditors' fees and expenses |
57 |
58 |
30 |
39 |
h) Law charges |
74 |
151 |
273 |
220 |
i) Postage, telegrams, telephones, etc. |
136 |
221 |
1879 |
2304 |
j) Repairs and maintenance |
104 |
118 |
3154 |
4671 |
k) Insurance |
226 |
251 |
921 |
1154 |
l) Other expenditure |
1224 |
1167 |
5676 |
5939 |
V. Provisions and contingencies |
11056 |
10184 |
21784 |
40789 |
Total expenses@ |
48382 |
46309 |
146526 |
144066 |
VI. Profit (loss) |
2750 |
3096 |
19218 |
27831 |
Total (III+IV+V+VI) |
62188 |
59589 |
187528 |
212686 |
Notes |
||||
@ : Excluding 'Provisions and Contingencies'. |
||||
1. : Figures in brackets indicate loss. |
||||
Source : Annual accounts of banks of respective years . |