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| | | | | | | | | | | | | (Amount in Rs. crore) |
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| | | | For the year ended March 31
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| | | | State Bank of | Nationalised | Regional Rural | Foreign Banks | Other Scheduled | All Scheduled |
| | | | India and its | Banks | Banks | | Commercial | Commercial |
| | | Items | Associates | | | | Banks | Banks |
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| | | | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 |
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| | | | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | (9) | (10) | (11) | (12) |
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Number of reporting banks | 8 | 8 | 19 | 19 | 196 | 196 | 42 | 42 | 32 | 31 | 297 | 296 |
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I. | Interest earned | 29187 | 34017 | 50273 | 56967 | 3934 | 4619 | 8176 | 9471 | 11871 | 14496 | 103441 | 119570 |
| | a) | Interest/discount on advances/bills | 12931 | 15019 | 24299 | 27998 | 1391 | 1685 | 4261 | 5156 | 6033 | 7229 | 48916 | 57087 |
| | b) | Income on Investments | 12658 | 14864 | 23087 | 25624 | 1432 | 1577 | 3298 | 3607 | 4995 | 6313 | 45471 | 51985 |
| | c) | Interest on balances with | 1834 | 1958 | 2410 | 2881 | 975 | 1225 | 499 | 581 | 711 | 844 | 6429 | 7489 |
| | | RBI and other inter-bank funds | | | | | | | | | | | | |
| | d) | Others | 1763 | 2176 | 478 | 464 | 135 | 132 | 117 | 127 | 132 | 110 | 2625 | 3009 |
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II. | Other income | 4828 | 5356 | 6613 | 7159 | 208 | 240 | 2152 | 2513 | 2286 | 2099 | 16088 | 17367 |
| | a) | Commission, exchange and brokerage | 3414 | 3512 | 2863 | 3062 | 70 | 83 | 1174 | 1284 | 801 | 1001 | 8323 | 8942 |
| | b) | Net Profit (loss) on sale and revaluation of investments | 449 | 695 | 1489 | 1677 | 13 | 9 | 232 | 351 | 807 | 442 | 2990 | 3173 |
| | | i) Profit on sale and revaluation of investments | 454 | 698 | 1546 | 1772 | 13 | 10 | 242 | 364 | 817 | 504 | 3072 | 3348 |
| | | ii) Loss on sale and revaluation of investments | 5 | 3 | 57 | 95 | 0 | 1 | 10 | 12 | 9 | 62 | 82 | 175 |
| | c) | Net Profit (loss) on sale of land, building & other assets | 1 | 0 | 9 | 12 | 0 | 6 | 0 | -10 | -1 | -1 | 9 | 8 |
| | | i) Profit on sale of land, building & other assets | 1 | 1 | 10 | 13 | 0 | 6 | 7 | 2 | 1 | 1 | 20 | 23 |
| | | ii) Loss on sale of land, building & other assets | 0 | 0 | 1 | 1 | 0 | 0 | 7 | 11 | 2 | 2 | 11 | 15 |
| | d) | Net Profit (loss) on exchange transaction | 475 | 439 | 890 | 926 | 0 | 0 | 572 | 702 | 216 | 245 | 2153 | 2312 |
| | | i) Profit on exchange transaction | 475 | 439 | 907 | 950 | 0 | 0 | 586 | 708 | 216 | 245 | 2184 | 2341 |
| | | ii) Loss on exchange transaction | 0 | 0 | 17 | 24 | 0 | 0 | 13 | 5 | 0 | 0 | 31 | 29 |
| | e) | Miscellaneous income | 488 | 710 | 1362 | 1482 | 125 | 142 | 174 | 185 | 463 | 413 | 2612 | 2932 |
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| | | Total (I+II) | 34015 | 39372 | 56886 | 64127 | 4142 | 4859 | 10328 | 11984 | 14157 | 16595 | 119528 | 136937 |
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III. | Interest expended | 19897 | 22903 | 35478 | 38790 | 2560 | 2966 | 4986 | 5768 | 8956 | 10691 | 71877 | 81117 |
| | a) | Interest on deposits | 18791 | 21535 | 33750 | 36839 | 2264 | 2641 | 3497 | 3657 | 8121 | 9760 | 66423 | 74433 |
| | b) | Interest on RBI/inter-bank borrowings | 639 | 619 | 712 | 770 | 223 | 253 | 1235 | 1707 | 423 | 432 | 3232 | 3781 |
| | c) | Others | 467 | 749 | 1016 | 1180 | 74 | 71 | 254 | 405 | 412 | 499 | 2223 | 2904 |
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IV. | Operating expenses | 8278 | 10730 | 14183 | 17284 | 1056 | 1165 | 2588 | 3111 | 2529 | 3056 | 28635 | 35344 |
| | a) | Payments to and provisions for employees | 5926 | 7832 | 10435 | 13143 | 913 | 1004 | 862 | 990 | 1243 | 1286 | 19381 | 24256 |
| | b) | Rent, taxes and lighting | 558 | 619 | 957 | 1053 | 26 | 30 | 241 | 259 | 255 | 333 | 2038 | 2294 |
| | c) | Printing and stationery | 125 | 134 | 189 | 194 | 12 | 14 | 61 | 65 | 61 | 95 | 449 | 502 |
| | d) | Advertisement and publicity | 22 | 35 | 48 | 49 | 0 | 0 | 120 | 177 | 43 | 89 | 233 | 350 |
| | e) | Depreciation on bank's property | 447 | 493 | 565 | 676 | 9 | 13 | 225 | 357 | 343 | 425 | 1590 | 1964 |
| | f) | Directors' fees, allowances and expenses | 1 | 1 | 3 | 2 | 0 | 0 | 1 | 1 | 4 | 3 | 10 | 8 |
| | g) | Auditors' fees and expenses | 34 | 46 | 79 | 94 | 3 | 4 | 3 | 3 | 6 | 8 | 125 | 154 |
| | h) | Law charges | 48 | 39 | 63 | 58 | 1 | 1 | 20 | 37 | 11 | 16 | 143 | 150 |
| | i) | Postage, telegrams, telephones, etc. | 87 | 84 | 154 | 160 | 8 | 9 | 152 | 180 | 74 | 121 | 475 | 554 |
| | j) | Repairs and maintenance | 68 | 73 | 175 | 195 | 2 | 3 | 146 | 154 | 72 | 116 | 464 | 541 |
| | k) | Insurance | 125 | 139 | 251 | 283 | 15 | 17 | 48 | 48 | 52 | 68 | 490 | 555 |
| | l) | Other expenditure | 837 | 1235 | 1263 | 1376 | 65 | 70 | 709 | 840 | 364 | 495 | 3238 | 4015 |
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V. | Provisions and contingencies | 3162 | 3518 | 4788 | 5958 | 98 | 128 | 1719 | 2085 | 1448 | 1687 | 11215 | 13376 |
| | Total expenses | 28175 | 33633 | 54449 | 56073 | 3617 | 4130 | 9293 | 8879 | 11485 | 13747 | 100512 | 116461 |
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VI. | Profit (loss) | 2677 | 2222 | 2437 | 2095 | 428 | 601 | 1035 | 1020 | 1225 | 1162 | 7801 | 7100 |
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Note : Figures in brackets indicate loss. | | | | | | | | | | | | |
Source : Annual accounts of banks of respective years | | | | | | | | | | | |