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Date : Jan 02, 2003

Table 54: Earnings and Expenses of Scheduled Commercial Banks: 2000-2001 and 2001-2002 (Part 2 of 6)


NATIONALISED BANKS
(Amount in Rs. lakh)

		For the year ended March 31

Items		Allahabad Bank		Andhra Bank		Bank of Baroda		Bank of India

		2001	2002	2001	2002	2001	2002	2001	2002

		(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I. Interest Earned		206742	227284	187506	202983	575734	595555	531687	560868
a) Interest/discount on advances/bills		106405	111787	79408	98095	293825	305962	312874	329285
b) Income on Investments		93074	105428	103270	98864	215083	236770	180566	191862
c) Interest on balances with		6885	7829	4827	5261	61280	42898	35773	34894
RBI and other inter-bank funds
d) Others		379	2240	-	763	5547	9925	2474	4827
II. Other income		24293	38492	20462	30402	70628	99316	86191	110327
a) Commission, exchange and brokerage		14259	14347	7835	8815	29773	30547	32388	32397
b) Net Profit (loss) on sale of investments		5238	19303	6500	13602	10197	41538	19646	42704
c) Net Profit (loss) on revaluation of investments		-	-	-	-	62	-	-	-
d) Net Profit (loss) on sale of land, building & other assets		(4)	3	9	5	(13)	114	10	15
e) Net Profit (loss) on exchange transaction		2896	2873	1256	1589	13443	11745	10466	12424
f) Miscellaneous income		1904	1966	4863	6391	17166	15372	23683	22787

Total (I+II)		231035	265775	207968	233385	646362	694871	617878	671195

Expenditure & Provisions
III. Interest expended		138656	154237	137458	145448	381955	407611	366303	376900
a) Interest on deposits		135418	150808	130132	140410	358090	384836	321637	331431
b) Interest on RBI/inter-bank borrowings		221	119	3221	2001	7535	7191	34358	31629
c) Others		3016	3309	4104	3037	16329	15584	10308	13840
IV. Operating expenses		65779	70740	45639	45399	160760	156334	174373	153089
a) Payments to and provisions for employees		48072	49245	33879	31184	114573	105626	133882	108684
b) Rent, taxes and lighting		3978	4459	2407	2728	11923	15366	11456	12535
c) Printing and stationery		1109	1113	591	646	1914	1847	1942	2025
d) Advertisement and publicity		348	290	168	196	624	573	334	418
e) Depreciation on Bank's property		2049	3499	2144	2956	7725	9127	7416	6823
f) Directors' fees, allowances and expenses		29	37	8	11	22	39	7	5
g) Auditors' fees and expenses		420	422	293	486	1105	1139	736	1151
h) Law charges		294	278	252	237	1242	979	1151	1097
i) Postage, telegrams, telephones, etc.		1319	1241	438	418	1392	1370	444	500
j) Repairs and maintenance		835	911	743	875	3059	2848	1953	2298
k) Insurance		1132	1197	1086	1073	2875	3239	2151	2509
l) Other expenditure		6192	8049	3628	4589	14306	14181	12901	15044
V. Provisions and contingencies		22609	32777	12753	22311	76181	76333	52014	90323
Total expenses@		204435	224977	183096	190847	542715	563945	540676	529989
VI. Profit (loss)		3991	8021	12119	20227	27466	54593	25188	50883

	Total (III+IV+V+VI)	231035	265775	207968	233385	646362	694871	617878	671195

(Amount in Rs. lakh)

		For the year ended March 31

Items		Bank of Maharashtra		Canara Bank		Central Bank of		Corporation Bank
Items		Bank of Maharashtra		Canara Bank		India		Corporation Bank

		2001	2002	2001	2002	2001	2002	2001	2002

		(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I. Interest Earned		170588	199808	561827	637056	426526	465749	180453	194569
a) Interest/discount on advances/bills		70291	83463	292019	313048	196817	216937	93407	99687
b) Income on Investments		93591	109932	223430	249671	214598	223325	74384	82371
c) Interest on balances with		5683	5764	46339	70757	15111	25487	9369	9134
	RBI and other inter-bank funds
d) Others		1023	649	38	3580	-	-	3293	3377
II. Other income		22239	30750	91779	142853	46944	60063	29209	38194
a) Commission, exchange and brokerage		9628	9913	32271	32217	27840	27202	13084	12371
b) Net Profit (loss) on sale of investments		8110	16700	20139	66281	14426	31780	6680	13510
c) Net Profit (loss) on revaluation of investments		-	-	-	-	(767)	(3821)	-	-
d) Net Profit (loss) on sale of land, building & other assets		6	68	66	74	6	3	1	13
e) Net Profit (loss) on exchange transaction		2312	1167	12381	12944	3129	2871	3655	5312
f) Miscellaneous income		2183	2902	26921	31337	2311	2028	5790	6988

Total (I+II)		192827	230558	653605	779909	473470	525812	209663	232763

Expenditure & Provisions
III. Interest expended		114757	141130	373525	455025	281607	312252	122321	132048
a) Interest on deposits		109470	135078	357477	435049	273107	299010	118418	128486
b) Interest on RBI/inter-bank borrowings		1050	621	2867	2171	1207	453	1952	1853
c) Others		4237	5431	13181	17805	7293	12789	1952	1709
IV. Operating expenses		54072	47924	166958	159261	144815	143124	34136	38422
a) Payments to and provisions for employees		42370	33568	125307	112252	115222	111880	20000	21390
b) Rent, taxes and lighting		2991	3230	13374	14432	6259	6709	3385	3921
c) Printing and stationery		551	552	1017	1642	1339	1346	657	750
d) Advertisement and publicity		148	206	333	598	336	456	400	523
e) Depreciation on Bank's property		2814	4234	6591	9268	4540	4549	2151	3197
f) Directors' fees, allowances and expenses		5	15	14	23	6	6	10	26
g) Auditors' fees and expenses		402	478	856	992	707	784	258	357
h) Law charges		105	123	80	85	597	752	30	35
i) Postage, telegrams, telephones, etc.		601	697	1597	1809	387	450	1160	1124
j) Repairs and maintenance		530	657	2469	2543	1293	1673	852	792
k) Insurance		789	1033	2538	3087	1943	2160	857	937
l) Other expenditure		2765	3131	12782	12530	12185	12359	4376	5370
V. Provisions and contingencies		19479	26963	84613	91484	42401	54106	27022	31483
	Total expenses@	168829	189054	540483	614286	426422	455376	156457	170470
VI. Profit (loss)		4519	14541	28510	74140	4646	16330	26184	30810

	Total (III+IV+V+VI)	192827	230558	653605	779910	473470	525812	209663	232763

(Amount in Rs. lakh)

		For the year ended March 31

Items		Dena Bank		Indian Bank		Indian Overseas Bank		Oriental Bank of Commerce

		2001	2002	2001	2002	2001	2002	2001	2002

		(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

Income
I. Interest Earned		171638	170840	210018	229393	279342	317069	275872	304047
a) Interest/discount on advances/bills		83896	80966	102215	108371	135053	153401	120269	141588
b) Income on Investments		81633	82454	104231	116171	124707	148291	144135	153748
c) Interest on balances with		3915	5945	3571	4523	19582	15376	9401	8084
	RBI and other inter-bank funds
d) Others		2194	1474	-	328	-	-	2067	627
II. Other income		19908	35296	31632	50193	30242	53080	26772	47391
a) Commission, exchange and brokerage		8396	7803	9267	9792	17847	19123	9599	10187
b) Net Profit (loss) on sale of investments		3711	20134	5957	22627	5310	25738	9531	31058
c) Net Profit (loss) on revaluation of investments		-	-	-	-	74	(46)	(1000)	(2750)
d) Net Profit (loss) on sale of land, building & other assets		(10)	(4)	1010	478	45	70	39	(1)
e) Net Profit (loss) on exchange transaction		1566	1646	4755	5549	4241	5196	3829	3893
f) Miscellaneous income		6245	5717	10644	11747	2724	2999	4775	5004

Total (I+II)		191546	206136	241650	279586	309583	370149	302645	351438

Expenditure & Provisions
III. Interest expended		126746	126556	161129	176288	191267	220062	196809	206840
a) Interest on deposits		113924	116614	153129	168476	185570	211644	193689	203028
b) Interest on RBI/inter-bank borrowings		2797	2072	5937	4736	1697	1751	1158	957
c) Others		10025	7870	2063	3076	4000	6667	1962	2855
IV. Operating expenses		57990	46040	74362	72583	87656	88451	52425	52889
a) Payments to and provisions for employees		43450	32257	59327	56303	66914	65965	31514	28845
b) Rent, taxes and lighting		3323	3386	4602	4791	6011	6243	5730	6679
c) Printing and stationery		689	653	857	887	851	856	931	1042
d) Advertisement and publicity		207	247	54	98	199	138	197	215
e) Depreciation on Bank's property		2143	2385	2253	3118	4095	4424	4101	3911
f) Directors' fees, allowances and expenses		28	43	3	27	5	13	14	17
g) Auditors' fees and expenses		404	351	413	558	409	636	303	428
h) Law charges		92	92	116	71	74	90	325	544
i) Postage, telegrams, telephones, etc.		793	713	178	202	579	430	987	1038
j) Repairs and maintenance		1008	1098	1375	1367	300	399	365	431
k) Insurance		1302	1104	1141	979	1492	1775	1431	1756
l) Other expenditure		4552	3711	4044	4181	6727	7480	6528	7983
V. Provisions and contingencies		33423	32403	33559	27393	19068	38615	33122	59654
	Total expenses@	184735	172596	235491	248871	278923	308513	249234	259729
VI. Profit (loss)		(26612)	1136	(27400)	3322	11593	23021	20289	32055

	Total (III+IV+V+VI)	191546	206136	241650	279586	309583	370149	302645	351438

(Amount in Rs. lakh)

		For the year ended March 31

Items		Punjab & Sind Bank		Punjab National Bank		Syndicate Bank		UCO Bank

		2001	2002	2001	2002	2001	2002	2001	2002

		(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

Income
I. Interest Earned		123746	126589	586348	664787	279218	288241	227470	254178
a) Interest/discount on advances/bills		58678	58539	282354	331788	157847	159967	95206	117040
b) Income on Investments		58387	62176	274178	300276	113015	120674	116813	125065
c) Interest on balances with		6231	5352	15229	22763	6952	7442	9435	10334
	RBI and other inter-bank funds
d) Others		451	522	14587	9960	1403	158	6016	1739
II. Other income		16628	22825	77842	97772	28142	27604	29771	58300
a) Commission, exchange and brokerage		4632	4509	41935	43399	11072	10335	11898	12290
b) Net Profit (loss) on sale of investments		6903	12622	24203	43791	6653	7385	7337	34636
c) Net Profit (loss) on revaluation of investments		-	239	(2575)	(5817)	(1367)	(687)	-	-
d) Net Profit (loss) on sale of land, building & other assets		1	-	37	37	18	9	2	10
e) Net Profit (loss) on exchange transaction		2443	2522	9415	9224	3561	2858	1758	2530
f) Miscellaneous income		2650	2933	4827	7138	8206	7704	8777	8834

Total (I+II)		140375	149414	664190	762559	307360	315845	257241	312478

Expenditure & Provisions
III. Interest expended		90108	94911	382505	435258	169853	177487	161264	181203
a) Interest on deposits		85072	91216	360946	412162	164507	170811	154413	170008
b) Interest on RBI/inter-bank borrowings		826	263	3923	4789	680	265	4421	5382
c) Others		4210	3432	17636	18307	4666	6411	2431	5813
IV. Operating expenses		39993	38133	187164	179920	107727	102834	74600	83677
a) Payments to and provisions for employees		30509	28089	145908	131632	88143	81578	61795	68673
b) Rent, taxes and lighting		2210	2327	8241	9431	5313	5821	3337	3655
c) Printing and stationery		471	499	2445	2856	711	801	759	804
d) Advertisement and publicity		110	140	471	842	147	181	98	170
e) Depreciation on Bank's property		1378	1479	7463	8523	1959	2458	1831	2225
f) Directors' fees, allowances and expenses		3	3	17	31	15	24	5	23
g) Auditors' fees and expenses		231	313	885	1331	479	796	326	479
h) Law charges		60	74	603	761	57	64	113	119
i) Postage, telegrams, telephones, etc.		548	585	2567	2850	1148	1226	292	582
j) Repairs and maintenance		457	502	1697	1898	787	951	307	404
k) Insurance		646	755	3311	3888	1112	1238	1019	1154
l) Other expenditure		3371	3367	13556	15879	7857	7696	4719	5389
V. Provisions and contingencies		8948	14066	48157	91141	6286	10469	18078	31146
	Total expenses@	130101	133044	569669	615179	277580	280321	235864	264880
VI. Profit (loss)		1326	2304	46364	56239	23494	25055	3300	16452

	Total (III+IV+V+VI)	140375	149414	664190	762559	307360	315845	257241	312478

(Amount in Rs. lakh)

		For the year ended March 31

Items		Union Bank of India		United Bank of India		Vijaya Bank

		2001	2002	2001	2002	2001	2002

		(33)	(34)	(35)	(36)	(37)	(38)

Income
I. Interest Earned		373295	401568	193083	203478	135618	153850
a) Interest/discount on advances/bills		195506	216864	58568	64722	65173	71425
b) Income on Investments		152444	167451	130284	132337	64601	76514
c) Interest on balances with		20222	15371	3476	5104	4776	5454
	RBI and other inter-bank funds
d) Others		5123	1882	755	1314	1069	458
II. Other income		31158	49915	16474	39388	15626	18882
a) Commission, exchange and brokerage		12130	12918	7229	6693	5153	4723
b) Net Profit (loss) on sale of investments		3435	15984	5113	28125	267	9017
c) Net Profit (loss) on revaluation of investments		-	-	-	-	3908	-2933
d) Net Profit (loss) on sale of land, building & other assets		(12)	(36)	-	5	20	15
e) Net Profit (loss) on exchange transaction		8954	11437	198	346	2350	3691
f) Miscellaneous income		6652	9612	3935	4220	3928	4370

Total (I+II)		404454	451483	209557	242866	151245	172733

Expenditure & Provisions
III. Interest expended		251395	267904	141724	143307	89583	105319
a) Interest on deposits		242708	257304	140224	139926	85983	100134
b) Interest on RBI/inter-bank borrowings		2193	1904	570	75	435	217
c) Others		6495	8696	930	3306	3166	4968
IV. Operating expenses		101933	96655	54161	75843	43813	42163
a) Payments to and provisions for employees		75619	68665	44752	65226	33042	30592
b) Rent, taxes and lighting		5531	5757	2199	2389	3075	3882
c) Printing and stationery		1305	1413	673	725	639	355
d) Advertisement and publicity		605	892	75	78	61	36
e) Depreciation on Bank's property		4465	4416	880	1387	1603	1894
f) Directors' fees, allowances and expenses		14	24	21	32	2	11
g) Auditors' fees and expenses		639	723	255	360	233	295
h) Law charges		459	387	72	50	60	37
i) Postage, telegrams, telephones, etc.		950	951	414	448	211	256
j) Repairs and maintenance		1039	1142	319	311	106	136
k) Insurance		1924	2248	898	936	678	787
l) Other expenditure		9385	10037	3604	3900	4104	3883
V. Provisions and contingencies		35578	55511	11758	11812	10775	12160
	Total expenses@	353329	364559	195885	219150	133397	147482
VI. Profit (loss)		15547	31413	1914	11904	7073	13090

	Total (III+IV+V+VI)	404454	451483	209557	242866	151245	172733

Notes
@: Excluding 'Provisions and Contingencies'.
1. Figures in brackets indicate loss.
Source: Annual accounts of banks of respective years.