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Date : Dec 17, 1999

Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 3 of 7)

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)
			For the year ended 31st March
			Benares State		Bharat Overseas		Catholic Syrian		Centurion
Items			Bank		Bank		Bank		Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)
Income
I.	Interest Earned		7844	8002	12561	14376	23869	25476	17264	39470
	a)	Interest/discount on advances/bills	3361	2719	6121	7529	15872	14550	11309	21183
	b)	Income on investments	4170	5020	4324	4711	7310	9272	5140	9532
	c)	Interest on balances with	313	263	2116	2136	627	1615	765	1244
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	59	40	49	7511

II.	Other income		1424	906	1393	1829	3041	2434	3140	4447
	a)	Commission, exchange and brokerage	292	275	554	620	628	760	679	887
	b)	Net profit on sale of investments	167	287	94	279	1396	471	1352	1448
	c)	Net profit on revaluation of investments	-	-	-	-	(3)	(262)	-	-
	d)	Net profit on sale of land, building &	-	-	1	16	1	283	-	-
		other assets
	e)	Net profit on exchange transaction	204	77	617	785	507	491	379	732
	f)	Miscellaneous income	760	266	127	129	513	-	731	1380
	Total(I+II)		9268	8908	13953	16205	26910	27910	20404	43917
Expenditure & Provisions
III.	Interest expended		5898	6701	9301	11261	18948	20914	13231	29614
	a)	Interest on deposits	5818	6665	8963	10782	18216	20265	12461	19917
	b)	Interest on RBI/inter-bank borrowings	78	35	188	329	64	56	681	5509
	c)	Others	2	-	150	150	669	594	89	4188

IV.	Operating expenses		2539	3041	2660	3252	6030	6491	3340	11170
	a)	Payments to and provisions for employees	1732	2142	1381	1633	3913	4466	402	1017
	b)	Rent, taxes and lighting	243	257	494	586	549	591	574	635
	c)	Printing and stationery	61	36	46	56	145	119	88	172
	d)	Advertisement and publicity	7	6	62	103	22	19	131	196
	e)	Depreciation on bank's property	124	104	124	137	518	460	-	6269
	f)	Directors' fees, allowances and expenses	13	26	7	10	10	16	1	20
	g)	Auditors' fees and expenses	18	21	7	10	9	8	5	24
	h)	Law charges	7	4	19	23	9	9	11	113
	i)	Postage, telegrams, telephones, etc.	57	60	70	78	155	131	98	215
	j)	Repairs and maintenance	18	30	35	37	33	36	109	213
	k)	Insurance	87	115	58	58	96	110	51	81
	l)	Other expenditure	172	241	357	521	571	526	1871	2215

V.	Provisions and contingencies		731	1198	881	566	1222	466	1826	989
	Total expenses@		8436	9741	11961	14513	24978	27406	16571	40784

VI.	Profit		100	(2031)	1112	1125	709	38	2007	2144
	Total (III+IV+V+VI)		9268	8908	13953	16205	26910	27910	20404	43917

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)
			For the year ended 31st March
			City Union		Development Credit		Dhanalakshmi		Federal
Items			Bank		Bank		Bank		Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)
Income
I.	Interest Earned		12123	14989	15067	22112	13353	14239	70158	85944
	a)	Interest/discount on advances/bills	8453	9434	9644	11428	8668	8423	42766	50480
	b)	Income on investments	2696	4146	5042	10093	4191	5011	23901	32405
	c)	Interest on balances with	196	349	380	590	494	804	3105	2738
		RBI and other inter-bank funds
	d)	Others	778	1060	-	-	1	-	385	321

II.	Other income		2114	2760	5834	3188	1459	1343	9254	11298
	a)	Commission, exchange and brokerage	990	1103	691	1105	1092	808	2696	3776
	b)	Net profit on sale of investments	66	692	3719	143	208	255	3310	2751
	c)	Net profit on revaluation of investments	-	-	-	-	-	-	-	-
	d)	Net profit on sale of land, building &	1	1	-	-	1	2	(67)	9
		other assets
	e)	Net profit on exchange transaction	511	402	302	308	9	39	1076	1524
	f)	Miscellaneous income	546	563	1122	1633	150	238	2240	3238
	Total(I+II)		14237	17749	20900	25300	14812	15581	79412	97242
Expenditure & Provisions
III.	Interest expended		9726	12345	11477	16732	10128	11255	56372	77157
	a)	Interest on deposits	9281	11926	10961	15706	9260	10796	53563	74180
	b)	Interest on RBI/inter-bank borrowings	142	125	382	620	299	21	1074	587
	c)	Others	304	294	134	406	570	438	1735	2389

IV.	Operating expenses		2375	2915	4352	5572	2791	2996	13766	15147
	a)	Payments to and provisions for employees	1431	1661	2042	2391	1689	1918	7890	9264
	b)	Rent, taxes and lighting	126	153	244	355	370	385	897	1148
	c)	Printing and stationery	67	72	91	112	76	73	214	201
	d)	Advertisement and publicity	53	63	77	93	55	27	180	122
	e)	Depreciation on bank's property	248	273	1019	1432	186	199	1876	1959
	f)	Directors' fees, allowances and expenses	2	3	21	17	9	4	8	16
	g)	Auditors' fees and expenses	3	5	15	22	4	6	59	68
	h)	Law charges	1	1	109	26	4	2	16	17
	i)	Postage, telegrams, telephones, etc.	85	110	83	101	61	65	185	159
	j)	Repairs and maintenance	24	30	92	181	48	27	289	231
	k)	Insurance	58	93	45	74	43	42	234	299
	l)	Other expenditure	276	450	514	768	245	248	1918	1662

V.	Provisions and contingencies		991	1264	2069	862	1052	944	4246	4686
	Total expenses@		12101	15260	15829	22304	12920	14250	70138	92303

VI.	Profit		1145	1225	3002	2133	840	387	5028	253
	Total (III+IV+V+VI)		14237	17749	20900	25300	14812	15581	79412	97242

Notes	:	1. @Excluding 'Provisions and Contingencies'.
	:	2. Figures in bracket indicate loss.
-	:	Nil or negligible.
Source :		Annual accounts of banks.

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)
			For the year ended 31st March
			Ganesh Bank of		Global Trust		HDFC		ICICI
Items			Kurundwad		Bank		Bank		Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)
Income
I.	Interest Earned		1105	1372	39408	49136	24080	37608	25970	54405
	a)	Interest/discount on advances/bills	831	1020	26938	29228	11767	14317	14325	22595
	b)	Income on investments	246	285	11673	18192	10391	18220	8073	20850
	c)	Interest on balances with	12	28	728	1381	1861	5045	3214	10941
		RBI and other inter-bank funds
	d)	Others	17	39	68	335	61	26	357	19

II.	Other income		91	110	12704	14632	6201	6807	8505	8903
	a)	Commission, exchange and brokerage	39	46	3975	3147	3047	4092	2517	3741
	b)	Net profit on sale of investments	-	-	4032	3556	2097	1513	3524	1244
	c)	Net profit on revaluation of investments	-	-	-	-	-	-	-	-
	d)	Net profit on sale of land, building &	-	-	-	(26)	(10)	1	(4)	(10)
		other assets
	e)	Net profit on exchange transaction	-	-	2296	1805	1067	1195	1711	3412
	f)	Miscellaneous income	52	63	2401	6150	-	6	757	517
	Total(I+II)		1197	1482	52112	63768	30281	44415	34475	63309
Expenditure & Provisions
III.	Interest expended		839	1115	32279	43846	13755	22918	18668	42552
	a)	Interest on deposits	775	1051	30276	40904	10397	17601	16195	37187
	b)	Interest on RBI/inter-bank borrowings	65	64	1376	1470	3163	4014	1010	2040
	c)	Others	-	-	627	1472	195	1303	1463	3325

IV.	Operating expenses		275	300	7127	9466	6271	8879	5761	8297
	a)	Payments to and provisions for employees	142	175	889	1316	1485	2206	1227	1819
	b)	Rent, taxes and lighting	33	24	878	1088	1108	1421	771	1137
	c)	Printing and stationery	9	9	213	276	328	511	295	324
	d)	Advertisement and publicity	1	-	464	343	339	499	205	339
	e)	Depreciation on bank's property	46	44	2706	3772	1069	1502	1447	1753
	f)	Directors' fees, allowances and expenses	1	1	10	7	2	3	5	5
	g)	Auditors' fees and expenses	-	-	17	21	8	14	11	13
	h)	Law charges	3	2	32	21	1	6	33	96
	i)	Postage, telegrams, telephones, etc.	11	13	249	350	599	929	215	433
	j)	Repairs and maintenance	1	1	264	386	468	731	420	757
	k)	Insurance	5	6	271	312	91	158	114	225
	l)	Other expenditure	23	24	1134	1575	773	899	1017	1397

V.	Provisions and contingencies		74	57	4692	3370	3940	4378	5024	6124
	Total expenses@		1114	1416	39406	53312	20026	31797	24429	50849

VI.	Profit		8	10	8013	7086	6315	8240	5022	6336
	Total (III+IV+V+VI)		1197	1482	52112	63768	30281	44415	34475	63309

OTHER SCHEDULED COMMERCIAL BANKS

(Amount in Rs. lakh)
			For the year ended 31st March
			IDBI		Induslnd		Jammu & Kashmir		Karnataka
Items			Bank		Bank		Bank		Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)
Income
I.	Interest Earned		14925	29501	55104	59356	53057	69373	42992	49139
	a)	Interest/discount on advances/bills	8815	13391	34332	35233	25887	34127	25691	27247
	b)	Income on investments	5731	14379	19127	21567	24851	31638	16086	19111
	c)	Interest on balances with	307	1717	1420	2552	2319	3609	1034	2762
		RBI and other inter-bank funds
	d)	Others	72	15	225	4	-	-	181	19

II.	Other income		1763	2888	15483	8286	5749	4303	4786	4828
	a)	Commission, exchange and brokerage	885	1934	3563	3545	1344	1505	2514	3031
	b)	Net profit on sale of investments	297	231	8493	304	1953	1022	850	79
	c)	Net profit on revaluation of investments	-	-	-	-	-	-	-	-
	d)	Net profit on sale of land, building &	-	-	(4)	(10)	-	-	5	5
		other assets
	e)	Net profit on exchange transaction	498	574	1034	1513	500	599	827	1064
	f)	Miscellaneous income	84	149	2397	2935	1952	1177	589	648
	Total(I+II)		16688	32389	70588	67642	58806	73676	47778	53967
Expenditure & Provisions
III.	Interest expended		10460	23090	42903	47881	32885	43094	29163	37529
	a)	Interest on deposits	8109	19806	37050	42964	32812	42885	27553	35723
	b)	Interest on RBI/inter-bank borrowings	1648	2481	1574	1541	67	209	348	638
	c)	Others	704	802	4279	3377	6	-	1262	1169

IV.	Operating expenses		3355	5424	7574	8715	9804	13390	8406	9212
	a)	Payments to and provisions for employees	636	1082	747	1127	5885	8506	6052	6424
	b)	Rent, taxes and lighting	1045	1419	1394	1635	526	721	549	640
	c)	Printing and stationery	82	192	151	184	129	144	123	125
	d)	Advertisement and publicity	218	221	231	178	145	175	42	53
	e)	Depreciation on bank's property	249	571	1673	2098	372	793	572	695
	f)	Directors' fees, allowances and expenses	1	2	14	15	6	13	6	10
	g)	Auditors' fees and expenses	5	8	21	28	47	66	20	23
	h)	Law charges	16	14	610	299	18	16	10	6
	i)	Postage, telegrams, telephones, etc.	240	386	475	609	158	204	108	132
	j)	Repairs and maintenance	81	131	179	281	51	77	85	119
	k)	Insurance	73	180	174	187	223	267	161	199
	l)	Other expenditure	708	1218	1903	2074	2245	2409	676	786

V.	Provisions and contingencies		867	799	10999	7365	11080	8647	4393	2982
	Total expenses@		13815	28515	50477	56597	42689	56484	37569	46741

VI.	Profit		2005	3076	9112	3680	5037	8545	5816	4245
	Total (III+IV+V+VI)		16688	32389	70588	67642	58806	73676	47778	53967

Notes	:	1. @Excluding 'Provisions and Contingencies'.
	:	2. Figures in bracket indicate loss.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.