TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF
SCHEDULED COMMERCIALBANKS IN INDIA - 2006- 07 AND 2007- 08 |
(Amount in Rs. crore) |
For the year ended March 31 |
Items |
State Bank of India & its Associates |
Nationalised Banks $ |
Foreign Banks |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
Number of reporting banks |
8 |
8 |
20 |
20 |
29 |
28 |
I. |
Interest earned |
53465 |
70427 |
110720 |
143597 |
17924 |
24417 |
|
a) |
Interest/discount on advances/bills |
36148 |
51354 |
74396 |
102726 |
10945 |
15712 |
|
b) |
Income on Investments |
14858 |
16916 |
32259 |
37173 |
5334 |
7017 |
|
c) |
Interest on balances with RBI and |
2114 |
1407 |
3365 |
2743 |
1434 |
1380 |
|
|
other inter-Bank Funds |
|
|
|
|
|
|
|
d) |
Others |
345 |
750 |
700 |
955 |
211 |
308 |
II. |
Other income |
9419 |
11817 |
14265 |
20098 |
7044 |
10531 |
|
a) |
Commission, exchange and brokerage |
6661 |
7926 |
5873 |
7074 |
3949 |
5357 |
|
b) |
Net Profit(loss) on sale and revaluation |
190 |
1519 |
1258 |
4614 |
-937 |
134 |
|
|
of investment |
|
|
|
|
|
|
|
c) |
Net Profit(loss) on sale of land,building and |
7 |
11 |
304 |
42 |
94 |
83 |
|
|
other Assets |
|
|
|
|
|
|
|
d) |
Net profit(loss) on exchange transactions |
526 |
932 |
1628 |
2036 |
2830 |
3805 |
|
e) |
Miscellaneous income |
2035 |
1429 |
5202 |
6332 |
1108 |
1152 |
|
Total (I+II) |
62884 |
82244 |
124985 |
163695 |
24968 |
34948 |
III. |
Interest expended |
32606 |
47809 |
69353 |
101093 |
7604 |
10604 |
|
a) |
Interest on deposits |
28260 |
41588 |
60536 |
91130 |
4747 |
7279 |
|
b) |
Interest on RBI/inter-bank borrowings |
1665 |
3231 |
1740 |
2189 |
2391 |
2641 |
|
c) |
Others |
2681 |
2990 |
7077 |
7774 |
466 |
684 |
IV. |
Operating expenses |
15986 |
16992 |
27269 |
29605 |
7746 |
10356 |
|
a) |
Payments to and provisions for employees |
10470 |
10294 |
17333 |
18268 |
3081 |
4131 |
|
b) |
Rent, taxes and lighting |
1235 |
1367 |
2057 |
2378 |
363 |
585 |
|
c) |
Printing and stationery |
219 |
239 |
334 |
374 |
135 |
164 |
|
d) |
Advertisement and publicity |
113 |
200 |
314 |
348 |
708 |
708 |
|
e) |
Depreciation on bank’s property |
932 |
1029 |
1602 |
1698 |
347 |
347 |
|
f) |
Directors’ fees, allowances and expenses |
2 |
2 |
10 |
13 |
- |
- |
|
g) |
Auditors’ fees and expenses |
100 |
152 |
231 |
315 |
5 |
4 |
|
h) |
Law charges |
70 |
76 |
125 |
127 |
64 |
74 |
|
i) |
Postage, telegrams, telephones, etc. |
160 |
260 |
345 |
423 |
346 |
379 |
|
j) |
Repairs and maintenance |
232 |
295 |
496 |
571 |
286 |
311 |
|
k) |
Insurance |
525 |
613 |
1149 |
1389 |
133 |
172 |
|
l) |
Other expenditure |
1928 |
2465 |
3273 |
3701 |
2278 |
3481 |
V. |
Provisions and contingencies |
7720 |
8438 |
14783 |
15411 |
5034 |
7376 |
|
Total expenses @ |
48592 |
64801 |
96622 |
130698 |
15350 |
20960 |
|
VI. Profit (loss) during the year |
6572 |
9005 |
13580 |
17586 |
4584 |
6612 |
Notes: 1 . $ Includes IDBI Bank Ltd.
2. @ : Excluding Provisions and Contingencies
Source: Annual accounts of banks of respective years . |
TABLE 9.1 BANK GROUP-WISE EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL
BANKS IN INDIA - 2006- 07 AND
2007- 08 (Concld.) |
(Amount in Rs. crore) |
|
For the year ended March 31 |
Items |
Other Scheduled |
All Scheduled |
|
Commercial Banks |
Commercial Banks |
|
2007 |
2008 |
2007 |
2008 |
|
(7) |
(8) |
(9) |
(10) |
Number of reporting banks |
25 |
23 |
82 |
79 |
I. |
Interest earned |
49568 |
71129 |
231673 |
309568 |
|
a) |
|
Interest/discount on advances/bills |
34762 |
51360 |
156249 |
221151 |
|
b) |
|
Income on Investments |
12844 |
17944 |
65294 |
79050 |
|
c) |
|
Interest on balances with RBI and |
1729 |
1522 |
8641 |
7052 |
|
|
|
other inter-Bank Funds |
|
|
|
|
|
d) |
|
Others |
233 |
303 |
1489 |
2315 |
II. |
Other income |
12313 |
16869 |
43041 |
59316 |
|
a) |
|
Commission, exchange and brokerage |
7886 |
10545 |
24369 |
30901 |
|
b) |
|
Net Profit(loss) on sale and revaluation |
1217 |
2631 |
1729 |
8901 |
|
|
|
of investment |
|
|
|
|
|
c) |
|
Net Profit(loss) on sale of land,building and |
107 |
79 |
512 |
214 |
|
|
|
other Assets |
|
|
|
|
|
d) |
|
Net profit(loss) on exchange transactions |
1240 |
909 |
6224 |
7682 |
|
e) |
|
Miscellaneous income |
1863 |
2705 |
10207 |
11618 |
|
Total (I+II) |
61881 |
87998 |
274714 |
368884 |
III. |
Interest expended |
32856 |
48495 |
142418 |
207999 |
|
a) |
|
Interest on deposits |
26320 |
39665 |
119862 |
179661 |
|
b) |
|
Interest on RBI/inter-bank borrowings |
2154 |
2807 |
7950 |
10867 |
|
c) |
|
Others |
4382 |
6023 |
14606 |
17471 |
IV. |
Operating expenses |
15319 |
20270 |
66315 |
77213 |
|
a) |
|
Payments to and provisions for employees |
5264 |
7113 |
36148 |
39805 |
|
b) |
|
Rent, taxes and lighting |
1099 |
1596 |
4753 |
5925 |
|
c) |
|
Printing and stationery |
371 |
475 |
1059 |
1251 |
|
d) |
|
Advertisement and publicity |
398 |
485 |
1533 |
1740 |
|
e) |
|
Depreciation on bank’s property |
1232 |
1421 |
4111 |
4495 |
|
f) |
|
Directors’ fees, allowances and expenses |
7 |
8 |
19 |
23 |
|
g) |
|
Auditors’ fees and expenses |
19 |
24 |
355 |
493 |
|
h) |
|
Law charges |
79 |
109 |
337 |
385 |
|
i) |
|
Postage, telegrams, telephones, etc. |
697 |
961 |
1548 |
2022 |
|
j) |
|
Repairs and maintenance |
768 |
1031 |
1782 |
2207 |
|
k) |
|
Insurance |
454 |
585 |
2261 |
2759 |
|
l) |
|
Other expenditure |
4931 |
6462 |
12409 |
16108 |
V. |
Provisions and contingencies |
7238 |
9715 |
34774 |
40939 |
|
Total expenses @ |
48175 |
68765 |
208733 |
285212 |
VI. |
Profit (loss) during the year |
6468 |
9518 |
31207 |
42733 |
Notes:1 . $ Includes IDBI Bank Ltd.
2. @ : Excluding Provisions and Contingencies
Source:Annual accounts of banks of respective years . |