TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08 |
STATE BANK OF INDIA & ITS ASSOCIATES |
(Amount in Rs. lakh) |
|
As on March 31 |
|
State Bank of |
State Bank of |
State Bank of |
State Bank of |
Items |
India |
Bikaner and Jaipur |
Hyderabad |
Indore |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
3724233 |
4895030 |
237417 |
305203 |
336250 |
440315 |
165860 |
222563 |
|
a) |
Interest/Discount on advances/bills |
2483918 |
3522811 |
171209 |
231120 |
221215 |
314462 |
119578 |
169646 |
|
b) |
Income on investments |
1045620 |
1194416 |
60816 |
70635 |
99050 |
112733 |
39911 |
49147 |
|
c) |
Interest on balances with RBI and |
172902 |
120007 |
4255 |
1834 |
10882 |
8327 |
4838 |
2130 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
21793 |
57796 |
1137 |
1614 |
5103 |
4793 |
1533 |
1640 |
II. |
Other Income |
676525 |
869493 |
49320 |
47166 |
58434 |
67715 |
26444 |
31054 |
|
a) |
Commission, exchange and brokerage |
480450 |
591425 |
38293 |
35392 |
32479 |
36058 |
18524 |
19899 |
|
b) |
Net profit (loss) on sale of investments |
56778 |
164984 |
5366 |
6899 |
8453 |
16926 |
2479 |
6736 |
|
c) |
Net profit (loss) on revaluation of |
-64072 |
-70350 |
- |
- |
- |
- |
- |
- |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land |
747 |
1104 |
14 |
- |
-48 |
-61 |
-4 |
- |
|
|
and other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
33147 |
69270 |
2034 |
2357 |
6839 |
6841 |
2011 |
1883 |
|
f) |
Miscellaneous income |
169475 |
113060 |
3613 |
2518 |
10711 |
7951 |
3434 |
2536 |
|
|
|
|
|
|
|
|
|
|
|
|
Total (I+II) |
4400758 |
5764523 |
286737 |
352369 |
394684 |
508030 |
192304 |
253617 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
2218414 |
3192908 |
143541 |
211298 |
213453 |
329025 |
112422 |
165384 |
|
a) |
Interest on deposits |
1870472 |
2707258 |
131313 |
195045 |
202371 |
314220 |
99973 |
147166 |
|
b) |
Interest on RBI/inter-bank borrowings |
145053 |
293844 |
5343 |
5036 |
3017 |
4375 |
5588 |
5812 |
|
c) |
Others |
202889 |
191806 |
6885 |
11217 |
8065 |
10430 |
6861 |
12406 |
IV. |
Operating Expenses |
1182351 |
1260861 |
75275 |
74952 |
80849 |
79885 |
40987 |
43114 |
|
a) |
Payments to and provisions for employees |
793259 |
778587 |
47675 |
44695 |
49186 |
46917 |
22376 |
21905 |
|
b) |
Rent, taxes and lighting |
89650 |
99342 |
5607 |
6233 |
6938 |
7830 |
3328 |
3685 |
|
c) |
Printing and stationery |
17387 |
18888 |
1076 |
1156 |
1063 |
1277 |
506 |
516 |
|
d) |
Advertisement and publicity |
8843 |
17323 |
445 |
511 |
866 |
849 |
339 |
354 |
|
e) |
Depreciation on bank’s property |
60239 |
67998 |
5796 |
5979 |
5463 |
5827 |
3497 |
3599 |
|
f) |
Directors’ fees, allowances and expenses |
108 |
123 |
25 |
26 |
20 |
13 |
16 |
16 |
|
g) |
Auditors’ fees and expenses |
6228 |
9735 |
598 |
937 |
733 |
1023 |
409 |
507 |
|
h) |
Law charges |
5736 |
6045 |
169 |
244 |
192 |
182 |
69 |
88 |
|
i) |
Postage, telegrams, telephones, etc. |
11817 |
21658 |
999 |
1325 |
630 |
424 |
466 |
401 |
|
j) |
Repairs and maintenance |
18915 |
23583 |
548 |
806 |
384 |
560 |
344 |
562 |
|
k) |
Insurance |
35529 |
41584 |
2260 |
2732 |
3653 |
3759 |
1386 |
1856 |
|
l) |
Other expenditure |
134640 |
175995 |
10077 |
10308 |
11721 |
11224 |
8251 |
9625 |
V. |
Provisions and Contingencies |
545863 |
637843 |
37340 |
34618 |
49830 |
43420 |
19901 |
21719 |
|
Total expenses@ |
3400765 |
4453769 |
218816 |
286250 |
294302 |
408910 |
153409 |
208498 |
VI. |
Profit (loss) during the year |
454130 |
672911 |
30581 |
31501 |
50552 |
55700 |
18994 |
23400 |
|
Total (III+IV+V+VI) |
4400758 |
5764523 |
286737 |
352369 |
394684 |
508030 |
192304 |
253617 |
Note @ : Excluding ‘ Provisions and Contingencies’.
Source : Annual accounts of banks of respective years . |
TABLE B2 : EARNINGS AND EXPENSES OF SCHEDULED COMMERCIAL BANKS – 2006-07 AND 2007-08 (Contd.) |
STATE BANK OF INDIA & ITS ASSOCIATES |
(Amount in Rs. lakh) |
|
As on March 31 |
|
State Bank of |
State Bank of |
State Bank of |
State Bank of |
Items |
Mysore |
Patiala |
Saurashtra |
Travancore |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
|
|
|
|
|
|
|
|
I. |
Interest Earned |
177649 |
249439 |
306471 |
431019 |
129541 |
155790 |
269062 |
343410 |
|
a) |
Interest/Discount on advances/bills |
126999 |
190494 |
222085 |
332304 |
81557 |
114947 |
188189 |
259644 |
|
b) |
Income on investments |
46905 |
58029 |
73712 |
92705 |
45134 |
37357 |
74690 |
76597 |
|
c) |
Interest on balances with RBI and |
2235 |
206 |
9507 |
5922 |
2066 |
652 |
4696 |
1667 |
|
|
other inter-bank funds |
|
|
|
|
|
|
|
|
|
d) |
Others |
1510 |
710 |
1167 |
88 |
784 |
2834 |
1487 |
5502 |
II. |
Other Income |
35022 |
42213 |
44262 |
59576 |
15667 |
20684 |
36355 |
43877 |
|
a) |
Commission, exchange and brokerage |
24010 |
27148 |
31164 |
37292 |
13811 |
14347 |
27398 |
31017 |
|
b) |
Net profit (loss) on sale of investments |
3887 |
7991 |
3729 |
9492 |
855 |
4967 |
1562 |
4293 |
|
c) |
Net profit (loss) on revaluation of |
- |
- |
- |
- |
- |
- |
- |
- |
|
|
investments |
|
|
|
|
|
|
|
|
|
d) |
Net profit (loss) on sale of land |
40 |
22 |
- |
- |
-12 |
-12 |
26 |
23 |
|
|
and other assets |
|
|
|
|
|
|
|
|
|
e) |
Net profit (loss) on exchange transactions |
2773 |
2866 |
3273 |
3315 |
1020 |
1374 |
1504 |
5328 |
|
f) |
Miscellaneous income |
4312 |
4186 |
6096 |
9477 |
-7 |
8 |
5865 |
3216 |
|
|
|
|
|
|
|
|
|
|
|
|
Total (I+II) |
212671 |
291652 |
350733 |
490595 |
145208 |
176474 |
305417 |
387287 |
Expenditure & Provisions |
|
|
|
|
|
|
|
|
III. |
Interest Expended |
109291 |
173210 |
205963 |
341962 |
87722 |
119412 |
169844 |
247682 |
|
a) |
Interest on deposits |
99459 |
158754 |
191400 |
312397 |
82458 |
107856 |
148548 |
216103 |
|
b) |
Interest on RBI/inter-bank borrowings |
572 |
162 |
3311 |
5598 |
3379 |
7201 |
278 |
1074 |
|
c) |
Others |
9260 |
14294 |
11252 |
23967 |
1885 |
4355 |
21018 |
30505 |
IV. |
Operating Expenses |
56223 |
61691 |
65856 |
70700 |
32603 |
39378 |
64524 |
68694 |
|
a) |
Payments to and provisions for employees |
31757 |
33756 |
40002 |
38449 |
21759 |
23552 |
41003 |
41562 |
|
b) |
Rent, taxes and lighting |
5101 |
4430 |
4879 |
6175 |
3025 |
3469 |
4953 |
5535 |
|
c) |
Printing and stationery |
82 |
144 |
712 |
719 |
414 |
418 |
697 |
735 |
|
d) |
Advertisement and publicity |
152 |
202 |
257 |
406 |
92 |
96 |
335 |
248 |
|
e) |
Depreciation on bank’s property |
5980 |
5778 |
4676 |
5174 |
3310 |
3752 |
4190 |
4825 |
|
f) |
Directors’ fees, allowances and expenses |
17 |
15 |
8 |
16 |
16 |
18 |
17 |
17 |
|
g) |
Auditors’ fees and expenses |
460 |
665 |
510 |
781 |
230 |
474 |
849 |
1047 |
|
h) |
Law charges |
186 |
238 |
332 |
395 |
99 |
123 |
257 |
311 |
|
i) |
Postage, telegrams, telephones, etc. |
698 |
706 |
976 |
1001 |
186 |
127 |
199 |
353 |
|
j) |
Repairs and maintenance |
370 |
483 |
1551 |
2076 |
457 |
523 |
670 |
937 |
|
k) |
Insurance |
1970 |
2377 |
3668 |
4170 |
1408 |
1598 |
2624 |
3263 |
|
l) |
Other expenditure |
9450 |
12897 |
8285 |
11338 |
1607 |
5228 |
8730 |
9861 |
V. |
Provisions and Contingencies |
22235 |
24867 |
42260 |
36560 |
16138 |
12486 |
38420 |
32298 |
|
Total expenses@ |
165514 |
234901 |
271819 |
412662 |
120325 |
158790 |
234368 |
316376 |
VI. |
Profit (loss) during the year |
24922 |
31884 |
36654 |
41373 |
8745 |
5198 |
32629 |
38613 |
|
Total (III+IV+V+VI) |
212671 |
291652 |
350733 |
490595 |
145208 |
176474 |
305417 |
387287 |
Note @ : Excluding ‘ Provisions and Contingencies’.
Source : Annual accounts of banks of respective years . |