Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 2 of 7) - RBI - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 2 of 7)
NATIONALISED BANKS |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Dena Bank |
Indian Bank |
Indian Overseas |
Oriental Bank of |
|||||||
Items |
|
|
Bank |
Commerce |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
Income |
||||||||||
I. |
Interest Earned |
101444 |
121642 |
156316 |
146421 |
185943 |
198449 |
125054 |
145804 |
|
a) |
Interest/discount on advances/bills |
57961 |
67753 |
93488 |
82425 |
99802 |
98219 |
70762 |
73896 |
|
b) |
Income on Investments |
40633 |
51185 |
57637 |
60111 |
69643 |
82296 |
49355 |
66854 |
|
c) |
Interest on balances with |
2701 |
2365 |
5191 |
3885 |
14532 |
17443 |
3650 |
4318 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
149 |
340 |
- |
- |
1965 |
491 |
1287 |
737 |
|
II. |
Other income |
11015 |
18414 |
21710 |
20206 |
19165 |
20699 |
10438 |
13845 |
|
a) |
Commission, exchange and brokerage |
5899 |
7105 |
6847 |
6840 |
11183 |
11447 |
6634 |
7201 |
|
b) |
Net Profit on sale of investments |
683 |
6032 |
1671 |
1498 |
1030 |
1686 |
223 |
1457 |
|
c) |
Net Profit on sale of land, |
7 |
9 |
20 |
23 |
103 |
46 |
4 |
9 |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
1800 |
1916 |
7300 |
6506 |
4615 |
3963 |
2853 |
3256 |
|
e) |
Miscellaneous income |
2625 |
3353 |
5871 |
5339 |
2235 |
3557 |
724 |
1922 |
|
Total (I+II) |
112459 |
140056 |
178026 |
166627 |
205108 |
219148 |
135493 |
159649 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
64005 |
78987 |
144203 |
135286 |
143212 |
149003 |
80087 |
95855 |
|
a) |
Interest on deposits |
57881 |
73479 |
105219 |
117295 |
123747 |
144427 |
78168 |
93850 |
|
b) |
Interest on RBI/inter-bank borrowings |
1457 |
349 |
11124 |
5707 |
5938 |
4267 |
734 |
1056 |
|
c) |
Others |
4667 |
5158 |
27859 |
12283 |
13527 |
309 |
1185 |
949 |
|
IV. |
Operating expenses |
29050 |
33708 |
47659 |
52292 |
48951 |
54710 |
25337 |
30056 |
|
a) |
Payments to and provisions for employees |
21165 |
24476 |
35184 |
39132 |
36840 |
40807 |
15431 |
18497 |
|
b) |
Rent, taxes and lighting |
1883 |
2157 |
3490 |
3899 |
3798 |
4314 |
3147 |
3608 |
|
c) |
Printing and stationery |
555 |
751 |
807 |
779 |
682 |
713 |
532 |
640 |
|
d) |
Advertisement and publicity |
133 |
336 |
89 |
73 |
139 |
225 |
49 |
148 |
|
e) |
Depreciation on Bank's property |
769 |
1046 |
1654 |
1730 |
1434 |
1837 |
1231 |
1725 |
|
f) |
Directors' fees, allowances and expenses |
16 |
16 |
11 |
11 |
20 |
17 |
17 |
24 |
|
g) |
Auditors' fees and expenses |
171 |
173 |
269 |
279 |
208 |
289 |
128 |
185 |
|
h) |
Law charges |
86 |
76 |
48 |
118 |
130 |
115 |
274 |
334 |
|
i) |
Postage, telegrams, telephones, etc. |
372 |
440 |
384 |
349 |
591 |
437 |
529 |
640 |
|
j) |
Repairs and maintenance |
506 |
709 |
971 |
1044 |
162 |
177 |
323 |
329 |
|
k) |
Insurance |
1282 |
641 |
799 |
842 |
1019 |
1008 |
672 |
559 |
|
l) |
Other expenditure |
2113 |
2887 |
3954 |
4036 |
3927 |
4771 |
3001 |
3365 |
|
V. |
Provisions and contingencies |
12113 |
16857 |
25073 |
9200 |
2493 |
4128 |
12045 |
12738 |
|
Total expenses* |
93055 |
112695 |
191862 |
187577 |
192163 |
203713 |
105423 |
125911 |
||
VI. |
Profit |
7291 |
10504 |
-38909 |
-30150 |
10451 |
11306 |
18025 |
21000 |
|
Total (III+IV+V+VI) |
112459 |
140056 |
178026 |
166627 |
205108 |
219148 |
135493 |
159649 |
||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Punjab National |
Punjab & |
Syndicate |
Union Bank of |
|||||||
Items |
Bank |
Sind Bank |
Bank |
India |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
Income |
||||||||||
I. |
Interest Earned |
365400 |
399224 |
73213 |
84425 |
159791 |
169323 |
230224 |
250403 |
|
a) |
Interest/discount on advances/bills |
195412 |
196110 |
40947 |
40432 |
71659 |
74791 |
129462 |
125917 |
|
b) |
Income on Investments |
152540 |
182058 |
29308 |
39257 |
80198 |
88478 |
89290 |
107758 |
|
c) |
Interest on balances with |
16884 |
16442 |
2796 |
3582 |
5979 |
4962 |
9839 |
13649 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
563 |
4615 |
162 |
1154 |
1955 |
1093 |
1632 |
3078 |
|
II. |
Other income |
46879 |
63658 |
9157 |
11533 |
15659 |
22022 |
19879 |
20767 |
|
a) |
Commission, exchange and brokerage |
24837 |
28023 |
3563 |
3818 |
8028 |
7490 |
10092 |
9859 |
|
b) |
Net Profit on sale of investments |
3453 |
23729 |
590 |
2845 |
40 |
3572 |
-187 |
155 |
|
c) |
Net Profit on sale of land, |
65 |
72 |
13 |
8 |
23 |
28 |
9 |
15 |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
7307 |
6156 |
2681 |
2621 |
3478 |
6121 |
5516 |
6775 |
|
e) |
Miscellaneous income |
11243 |
5679 |
2310 |
2242 |
4090 |
5046 |
4449 |
3962 |
|
Total (I+II)
|
412279 |
462882 |
82370 |
95959 |
175450 |
191345 |
250103 |
271169 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
243870 |
269908 |
53456 |
60662 |
104290 |
113722 |
153899 |
168749 |
|
a) |
Interest on deposits |
234256 |
253991 |
50990 |
58953 |
101681 |
111813 |
151788 |
167431 |
|
b) |
Interest on RBI/inter-bank borrowings |
585 |
351 |
1481 |
115 |
242 |
470 |
1806 |
1163 |
|
c) |
Others |
9029 |
15565 |
984 |
1594 |
2367 |
1439 |
305 |
155 |
|
IV. |
Operating expenses |
106442 |
112863 |
23250 |
25289 |
61296 |
64084 |
62072 |
67468 |
|
a) |
Payments to and provisions for employees |
81102 |
87144 |
16614 |
18094 |
48312 |
50346 |
41656 |
43555 |
|
b) |
Rent, taxes and lighting |
4734 |
5529 |
1419 |
1579 |
3384 |
3903 |
3496 |
3973 |
|
c) |
Printing and stationery |
1838 |
1977 |
455 |
370 |
564 |
558 |
1462 |
1425 |
|
d) |
Advertisement and publicity |
159 |
304 |
99 |
112 |
49 |
83 |
444 |
630 |
|
e) |
Depreciation on Bank's property |
2881 |
3475 |
917 |
986 |
867 |
930 |
2841 |
3286 |
|
f) |
Directors' fees, allowances and expenses |
16 |
18 |
8 |
6 |
10 |
16 |
24 |
29 |
|
g) |
Auditors' fees and expenses |
310 |
755 |
110 |
140 |
227 |
362 |
293 |
348 |
|
h) |
Law charges |
480 |
605 |
38 |
38 |
83 |
54 |
299 |
507 |
|
i) |
Postage, telegrams, telephones, etc. |
1576 |
1921 |
436 |
472 |
699 |
804 |
885 |
973 |
|
j) |
Repairs and maintenance |
881 |
1034 |
271 |
347 |
379 |
439 |
724 |
845 |
|
k) |
Insurance |
4199 |
1814 |
498 |
444 |
1933 |
708 |
3767 |
5052 |
|
l) |
Other expenditure |
8268 |
8286 |
2385 |
2700 |
4788 |
5880 |
6181 |
6843 |
|
V. |
Provisions and contingencies |
38195 |
32376 |
3663 |
3498 |
3169 |
5274 |
12564 |
9943 |
|
Total expenses* |
350313 |
382771 |
76706 |
85951 |
165585 |
177806 |
215971 |
236217 |
||
VI. |
Profit |
23771 |
47735 |
2000 |
6509 |
6696 |
8266 |
21568 |
25010 |
|
Total (III+IV+V+VI) |
412279 |
462882 |
82370 |
95959 |
175450 |
191345 |
250103 |
271169 |
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||||
For the year ended 31st March |
|||||||||||
United Bank of |
United Commercial |
Vijaya |
|||||||||
Items |
India |
Bank |
Bank |
||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||||
|
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
|||
Income |
|||||||||||
I. |
Interest Earned |
100688 |
133466 |
130306 |
144519 |
73280 |
81007 |
||||
a) |
Interest/discount on advances/bills |
38408 |
37234 |
58277 |
56312 |
36831 |
36591 |
||||
b) |
Income on Investments |
57468 |
81094 |
59777 |
78152 |
33385 |
39545 |
||||
c) |
Interest on balances with |
4547 |
3218 |
11059 |
8625 |
2597 |
3763 |
||||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
264 |
11921 |
1193 |
1431 |
467 |
1108 |
||||
II. |
Other income |
9726 |
14058 |
12717 |
19236 |
6332 |
8155 |
||||
a) |
Commission, exchange and brokerage |
5870 |
5868 |
7732 |
8737 |
3164 |
3728 |
||||
b) |
Net Profit on sale of investments |
669 |
4354 |
378 |
2072 |
58 |
197 |
||||
c) |
Net Profit on sale of land, |
6 |
2 |
1 |
- |
11 |
10 |
||||
building & other assets |
|||||||||||
d) |
Net Profit on exchange transaction |
409 |
785 |
1967 |
4942 |
1137 |
1813 |
||||
e) |
Miscellaneous income |
2772 |
3049 |
2639 |
3485 |
1961 |
2406 |
||||
Total (I+II) |
110414 |
147524 |
143022 |
163755 |
79612 |
89161 |
|||||
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
80053 |
93628 |
98682 |
108481 |
49877 |
54961 |
||||
a) |
Interest on deposits |
78898 |
91891 |
96033 |
104238 |
47923 |
53813 |
||||
b) |
Interest on RBI/inter-bank borrowings |
168 |
544 |
2334 |
2251 |
424 |
136 |
||||
c) |
Others |
987 |
1192 |
315 |
1992 |
1531 |
1012 |
||||
IV. |
Operating expenses |
35858 |
37465 |
51617 |
53770 |
26257 |
27825 |
||||
a) |
Payments to and provisions for employees |
29051 |
30927 |
42258 |
44322 |
19166 |
20058 |
||||
b) |
Rent, taxes and lighting |
1582 |
1737 |
2622 |
2896 |
2419 |
2454 |
||||
c) |
Printing and stationery |
582 |
587 |
589 |
696 |
337 |
363 |
||||
d) |
Advertisement and publicity |
41 |
49 |
70 |
77 |
32 |
34 |
||||
e) |
Depreciation on Bank's property |
406 |
446 |
662 |
673 |
1226 |
1242 |
||||
f) |
Directors' fees, allowances and expenses |
15 |
25 |
18 |
22 |
19 |
20 |
||||
g) |
Auditors' fees and expenses |
116 |
151 |
309 |
368 |
130 |
165 |
||||
h) |
Law charges |
48 |
68 |
90 |
90 |
30 |
27 |
||||
i) |
Postage, telegrams, telephones, etc. |
254 |
297 |
268 |
264 |
210 |
176 |
||||
j) |
Repairs and maintenance |
354 |
316 |
134 |
184 |
103 |
118 |
||||
k) |
Insurance |
521 |
604 |
577 |
679 |
365 |
422 |
||||
l) |
Other expenditure |
2888 |
2258 |
4022 |
3498 |
2221 |
2745 |
||||
V. |
Provisions and contingencies |
5867 |
15469 |
10347 |
11125 |
1581 |
4044 |
||||
Total expenses* |
115911 |
131093 |
150299 |
162251 |
76135 |
82787 |
|||||
VI. |
Profit |
-11364 |
962 |
-17623 |
-9622 |
1896 |
2331 |
||||
Total (III+IV+V+VI) |
110414 |
147524 |
143022 |
163755 |
79612 |
89161 |
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Bank of |
Bank of |
Bank of |
Bareilly |
|||||||
Items |
Madura |
Punjab |
Rajasthan |
Corporation Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
||||||||||
I. |
Interest Earned |
24777 |
28136 |
8067 |
14855 |
36507 |
35039 |
3213 |
3474 |
|
a) |
Interest/discount on advances/bills |
16581 |
15418 |
4475 |
7081 |
21663 |
19793 |
1222 |
1283 |
|
b) |
Income on Investments |
6306 |
9745 |
3302 |
7568 |
12500 |
13587 |
1500 |
1823 |
|
c) |
Interest on balances with |
1891 |
2770 |
291 |
187 |
1949 |
1616 |
491 |
368 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
204 |
- |
19 |
394 |
43 |
- |
- |
|
II. |
Other income |
5215 |
8878 |
2313 |
4139 |
4278 |
4541 |
300 |
289 |
|
a) |
Commission, exchange and brokerage |
2189 |
2431 |
323 |
441 |
2023 |
2305 |
218 |
190 |
|
b) |
Net Profit on sale of investments |
631 |
2098 |
391 |
1799 |
-114 |
74 |
- |
- |
|
c) |
Net Profit on sale of land, |
12 |
8 |
- |
1 |
3 |
- |
- |
1 |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
118 |
1303 |
726 |
935 |
550 |
507 |
- |
- |
|
e) |
Miscellaneous income |
2265 |
3039 |
873 |
963 |
1817 |
1654 |
82 |
97 |
|
Total (I+II) |
29993 |
37015 |
10381 |
18993 |
40786 |
39580 |
3513 |
3763 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
16927 |
20045 |
5377 |
10864 |
26627 |
26919 |
2218 |
2323 |
|
a) |
Interest on deposits |
13997 |
17568 |
5321 |
10572 |
26232 |
26528 |
2211 |
2319 |
|
b) |
Interest on RBI/inter-bank borrowings |
2267 |
1666 |
56 |
292 |
240 |
389 |
7 |
4 |
|
c) |
Others |
663 |
811 |
- |
- |
156 |
2 |
- |
- |
|
IV. |
Operating expenses |
7965 |
9594 |
2425 |
3824 |
8902 |
9779 |
1243 |
1326 |
|
a) |
Payments to and provisions for employees |
3853 |
4727 |
373 |
573 |
5320 |
6159 |
971 |
1027 |
|
b) |
Rent, taxes and lighting |
440 |
539 |
329 |
597 |
560 |
650 |
81 |
88 |
|
c) |
Printing and stationery |
138 |
143 |
129 |
124 |
167 |
148 |
16 |
16 |
|
d) |
Advertisement and publicity |
96 |
164 |
163 |
234 |
96 |
142 |
3 |
3 |
|
e) |
Depreciation on Bank's property |
2067 |
2522 |
613 |
771 |
1306 |
1200 |
16 |
14 |
|
f) |
Directors' fees, allowances and expenses |
2 |
3 |
21 |
27 |
14 |
24 |
1 |
- |
|
g) |
Auditors' fees and expenses |
8 |
8 |
7 |
14 |
20 |
21 |
3 |
2 |
|
h) |
Law charges |
24 |
63 |
- |
8 |
33 |
82 |
13 |
16 |
|
i) |
Postage, telegrams, telephones, etc. |
144 |
173 |
149 |
168 |
223 |
246 |
23 |
28 |
|
j) |
Repairs and maintenance |
100 |
128 |
56 |
132 |
77 |
104 |
3 |
5 |
|
k) |
Insurance |
77 |
108 |
38 |
92 |
183 |
112 |
17 |
18 |
|
l) |
Other expenditure |
1017 |
1016 |
546 |
1085 |
902 |
891 |
96 |
109 |
|
V. |
Provisions and contingencies |
2524 |
3957 |
335 |
1069 |
4466 |
11666 |
27 |
21 |
|
Total expenses* |
24892 |
29639 |
7802 |
14688 |
35529 |
36698 |
3461 |
3648 |
||
VI. Profit |
2577 |
3419 |
2244 |
3235 |
791 |
-8784 |
25 |
94 |
||
Total (III+IV+V+VI) |
29993 |
37015 |
10381 |
18993 |
40786 |
39580 |
3513 |
3763 |
||
Note |
: *Excluding 'Provisions and Contingencies'. |
|||||||||
- |
: Nil or negligible. |
|||||||||
Source : Annual accounts of banks. |