(Amount in Rs. crore)

For the year ended March 31

Items

State Bank of India and its Associates

Nationalised Banks

Regional Rural Banks

Foreign Banks

Other Scheduled Commercial Banks

All Scheduled Commercial Banks

2001

2002

2001

2002

2001

2002

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

Number of reporting banks

8

8

19

19

196

196

42

40

31

30

296

293

I.

Interest earned

34017

   38746

   56967

   61979

   4619

   5191

   9471

   9700

   14496

   16549

   119570

   132165

a)

Interest/discount on advances/bills

15019

15309

27998

30629

1685

1984

5156

5331

7229

8073

57087

61328

b)

Income on Investments

14864

18464

25624

27834

1577

1651

3607

3670

6313

7387

51985

59005

c)

Interest on balances with RBI and other inter-bank funds

1958

3366

2881

3078

1225

1411

581

611

844

972

7489

9438

d)

Others

2176

1607

464

438

132

144

127

88

110

116

3009

2394

II.

Other income

5356

6017

7159

10510

240

370

2513

3260

2099

4269

17367

24426

a)

Commission, exchange and brokerage

3512

3715

3062

3096

83

102

1284

1269

1001

1133

8942

9315

b)

Net Profit (loss) on sale and revaluation of investments

695

1015

1677

4807

9

90

351

1025

442

2487

3173

9424

c)

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

-

16

12

9

6

-

(10)

16

(1)

16

8

56

d)

Net Profit (loss) on exchange transactions

439

549

926

998

-

-

702

726

245

249

2312

2521

e)

Miscellaneous income

710

722

1482

1600

142

178

185

225

413

384

2932

3110

Total (I+II)

39372

44763

64127

72490

4859

5561

11984

12960

16595

20817

136937

156590

III.

Interest expended

22903

26556

38790

42598

2966

3329

5768

6054

10691

12308

81117

90845

a)

Interest on deposits

21535

25114

36839

40464

2641

2976

3657

3763

9760

11228

74433

83546

b)

Interest on RBI/inter-bank borrowings

619

457

770

684

253

271

1707

2065

432

498

3781

3976

c)

Others

749

985

1180

1449

71

82

405

225

499

582

2904

3323

IV.

Operating expenses

10730

9487

17284

16935

1165

1459

3111

3393

3056

3881

35344

35155

a)

Payments to and provisions for employees

7832

6760

13143

12317

1004

1261

990

1123

1286

1613

24256

23074

b)

Rent, taxes and lighting

619

687

1053

1177

30

34

259

257

333

421

2294

2576

c)

Printing and stationery

134

155

194

208

14

16

65

76

95

117

502

571

d)

Advertisement and publicity

35

30

49

63

-

1

177

147

89

76

350

317

e)

Depreciation on bank’s property

493

532

676

799

13

15

357

288

425

523

1964

2157

f)

Directors’ fees, allowances and expenses

1

1

2

4

-

-

1

1

3

5

8

11

g)

Auditors’ fees and expenses

46

54

94

121

4

4

3

3

8

9

154

191

h)

Law charges

39

46

58

59

1

1

37

30

16

16

150

152

i)

Postage, telegrams, telephones, etc.

84

90

160

169

9

11

180

201

121

163

554

635

j)

Repairs and maintenance

73

78

195

212

3

3

154

190

116

207

541

691

k)

Insurance

139

179

283

319

17

21

48

48

68

81

555

647

l)

Other expenditure

1235

875

1376

1488

70

91

840

1030

495

650

4015

4134

V.

Provisions and contingencies

3518

5270

5958

8102

128

163

2085

2021

1687

2849

13376

18405

Total expenses@

33633

36043

56073

59533

4130

4787

8879

9447

13747

16189

116461

125999

VI.

Profit (loss)

2222

3449

2095

4855

601

610

1020

1492

1162

1779

7100

12186