Table 5 : Bank Group-Wise Income and Expenditure of Scheduled Commercial Banks in India - 1997-98 - RBI - Reserve Bank of India
Table 5 : Bank Group-Wise Income and Expenditure of Scheduled Commercial Banks in India - 1997-98
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Items |
State Bank of India |
Nationalised Banks |
Other Scheduled |
Foreign Banks |
Regional Rural |
Total |
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and its Associates |
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Commercial Banks |
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Banks |
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1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
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(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
Number of reporting banks |
8 |
8 |
19 |
19 |
34 |
34 |
33 |
42 |
191 |
196 |
285 |
299 |
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I. |
Interest earned |
1992303 |
2120884 |
3398785 |
3785799 |
622590 |
788214 |
611472 |
678311 |
198983 |
261284 |
6824133 |
7634492 |
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a) |
Interest/discount on advances/bills |
1120189 |
1080976 |
1853650 |
1879878 |
417332 |
463409 |
417301 |
426067 |
70234 |
96176 |
3878706 |
3946506 |
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b) |
Income on Investments |
714570 |
844341 |
1339016 |
1669400 |
176578 |
284630 |
152430 |
198301 |
68063 |
89533 |
2450657 |
3086205 |
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c) |
Interest on balances with |
92367 |
80270 |
178237 |
196884 |
25102 |
35846 |
30471 |
44457 |
54861 |
68070 |
381038 |
425527 |
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RBI and other inter-bank funds |
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d) |
Others |
65177 |
115297 |
27882 |
39637 |
3578 |
4329 |
11270 |
9486 |
5825 |
7505 |
113732 |
176254 |
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II. |
Other income |
335380 |
366226 |
400639 |
497294 |
95160 |
156683 |
138432 |
191424 |
10192 |
14348 |
979803 |
1225975 |
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a) |
Commission, exchange and brokerage |
235264 |
264751 |
219558 |
232344 |
43729 |
51938 |
83653 |
102186 |
4136 |
4877 |
586340 |
656096 |
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b) |
Net Profit (loss) on sale of investments |
3584 |
17418 |
19350 |
80573 |
9417 |
56374 |
9599 |
32508 |
32 |
-- |
41982 |
186873 |
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i) Profit on sale of investments |
3818 |
17741 |
22913 |
83244 |
10456 |
56643 |
9957 |
32821 |
32 |
-- |
47176 |
190449 |
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ii) Loss on sale of investments |
234 |
323 |
3563 |
2671 |
1039 |
269 |
358 |
313 |
-- |
-- |
5194 |
3576 |
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c) |
Net Profit (loss) on sale of land, |
62 |
133 |
439 |
3512 |
88 |
(44) |
(116) |
(90) |
18 |
-- |
491 |
3511 |
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building & other assets |
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i) Profit on sale of land, |
68 |
137 |
456 |
3567 |
112 |
43 |
41 |
56 |
20 |
-- |
697 |
3803 |
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building & other assets |
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ii) Loss on sale of land, |
6 |
4 |
17 |
55 |
24 |
87 |
157 |
146 |
2 |
-- |
206 |
292 |
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building & other assets |
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d) |
Net Profit (loss) on exchange transaction |
84134 |
65076 |
73421 |
90886 |
14253 |
20266 |
42624 |
52821 |
-- |
-- |
214432 |
229049 |
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i) Profit on exchange transaction |
84134 |
65076 |
74563 |
93210 |
14673 |
20266 |
94947 |
120481 |
-- |
-- |
268317 |
299033 |
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ii) Loss on exchange transaction |
-- |
-- |
1142 |
2324 |
420 |
-- |
52323 |
67660 |
-- |
-- |
53885 |
69984 |
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e) |
Miscellaneous income |
12336 |
18848 |
87871 |
89979 |
27673 |
28149 |
2672 |
3999 |
6006 |
9471 |
136558 |
150446 |
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Total (I+II) |
2327683 |
2487110 |
3799424 |
4283093 |
717750 |
944897 |
749904 |
869735 |
209175 |
275632 |
7803936 |
8860467 |
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III. |
Interest expended |
1281944 |
1390414 |
2351915 |
2626049 |
451754 |
590473 |
386644 |
422227 |
142163 |
176656 |
4614420 |
5205819 |
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a) |
Interest on deposits |
1136342 |
1284132 |
2206289 |
2508473 |
413642 |
551083 |
313954 |
333536 |
120905 |
152194 |
4191132 |
4829418 |
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b) |
Interest on RBI/inter-bank borrowings |
51874 |
52782 |
51782 |
45006 |
17082 |
19129 |
51194 |
71607 |
15676 |
19825 |
187608 |
208349 |
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c) |
Others |
93728 |
53500 |
93844 |
72570 |
21030 |
20261 |
21496 |
17084 |
5582 |
4637 |
235680 |
168052 |
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IV. |
Operating expenses |
599958 |
623462 |
1003514 |
1103925 |
138090 |
172774 |
166345 |
193120 |
78066 |
84311 |
1985973 |
2177592 |
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a) |
Payments to and provisions for employees |
435309 |
467532 |
727844 |
795297 |
71937 |
84952 |
58761 |
61829 |
65645 |
73441 |
1359496 |
1483051 |
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b) |
Rent, taxes and lighting |
39642 |
44964 |
68463 |
78575 |
12249 |
18041 |
14397 |
19236 |
1640 |
1933 |
136391 |
162749 |
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c) |
Printing and stationery |
9848 |
11238 |
17794 |
18143 |
3052 |
4084 |
5043 |
5043 |
1007 |
1072 |
36744 |
39580 |
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d) |
Advertisement and publicity |
1496 |
1938 |
3409 |
4587 |
2647 |
3656 |
10195 |
10498 |
18 |
19 |
17765 |
20698 |
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e) |
Depreciation on bank's property |
13384 |
20904 |
32710 |
39209 |
18875 |
23068 |
12536 |
15838 |
637 |
610 |
78142 |
99629 |
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f) |
Directors' fees, allowances and expenses |
118 |
116 |
273 |
328 |
216 |
258 |
100 |
104 |
6 |
7 |
713 |
813 |
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g) |
Auditors' fees and expenses |
2062 |
2495 |
4560 |
6182 |
344 |
434 |
166 |
199 |
165 |
167 |
7297 |
9477 |
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h) |
Law charges |
1929 |
1654 |
6655 |
5752 |
524 |
1277 |
1707 |
2547 |
57 |
89 |
10872 |
11319 |
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i) |
Postage, telegrams, telephones, etc. |
7792 |
8817 |
11777 |
13257 |
3751 |
5278 |
10304 |
12579 |
447 |
607 |
34071 |
40538 |
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j) |
Repairs and maintenance |
4899 |
5475 |
11536 |
13308 |
2659 |
4032 |
7660 |
10275 |
175 |
192 |
26929 |
33282 |
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k) |
Insurance |
29318 |
7306 |
26666 |
24486 |
2460 |
3340 |
2771 |
2975 |
1904 |
1505 |
63119 |
39612 |
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l) |
Other expenditure |
54161 |
51023 |
91827 |
104801 |
19376 |
24354 |
42705 |
51997 |
6365 |
4669 |
214434 |
236844 |
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V. |
Provisions and contingencies |
278792 |
232086 |
299476 |
296391 |
63040 |
97459 |
119897 |
191395 |
65572 |
7538 |
826777 |
824869 |
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Total expenses |
2160694 |
2245962 |
3654905 |
4026365 |
652884 |
860706 |
672886 |
806742 |
285801 |
268505 |
7427170 |
8208280 |
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VI. |
Profit (loss) |
166989 |
241148 |
144519 |
256728 |
64866 |
84191 |
77018 |
62993 |
(76626) |
7127 |
376766 |
652187 |
Note |
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Figures in bracket indicate loss. |
-- |
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Nil or negligible. |
Source |
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Annual accounts of banks. |