| OTHER SCHEDULED COMMERCIAL BANKS | (Amount in Rs. lakh) |
| | | For the year ended March 31 |
| Items | Bank of Punjab | Bank of Rajasthan | Benares State Bank | Bharat Overseas Bank |
| | | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) |
| Income | | | | | | | | | I. Interest Earned | 34041 | 36318 | 44243 | 45260 | 10074 | | 15686 | 16714 | a) Interest/discount on advances/bills | 16109 | 18900 | 21990 | 21973 | 2630 | | 7940 | 8291 | b) Income on Investments | 16855 | 15446 | 17752 | 19012 | 7145 | | 5441 | 6558 | c) Interest on balances with | 1077 | 1700 | 3342 | 3866 | 300 | | 2305 | 1865 | | | RBI and other inter-bank funds | | | | | | | | | d) Others | - | 272 | 1160 | 408 | - | | - | - | II. Other income | 4282 | 11730 | 5648 | 9722 | 1729 | | 2549 | 4946 | a) Commission, exchange and brokerage | 1706 | 1394 | 2396 | 2000 | 277 | | 742 | 783 | b) Net Profit (loss) on sale of investments | 284 | 8007 | 1028 | 5660 | 1064 | | 1031 | 3295 | c) Net Profit (loss) on revaluation of investments | 38 | - | - | - | - | | 115 | - | d) Net Profit (loss) on sale of land, building & other assets | (27) | (22) | (38) | (16) | - | | 2 | 2 | e) Net Profit (loss) on exchange transaction | 497 | 548 | 323 | 403 | 108 | | 394 | 558 | f) Miscellaneous income | 1783 | 1803 | 1939 | 1675 | 280 | | 264 | 309 |
| Total (I+II) | 38322 | 48048 | 49891 | 54981 | 11803 | | 18235 | 21660 |
| Expenditure & Provisions | | | | | | | | | III. Interest expended | 22706 | 27307 | 30930 | 32333 | 9053 | | 10550 | 11784 | a) Interest on deposits | 20690 | 25809 | 30695 | 31983 | 9020 | | 10114 | 11398 | b) Interest on RBI/inter-bank borrowings | 1880 | 880 | 33 | 32 | 32 | | 291 | 264 | c) Others | 136 | 618 | 203 | 318 | - | | 144 | 123 | IV. Operating expenses | 9147 | 13295 | 13190 | 14507 | 3548 | | 4053 | 4541 | a) Payments to and provisions for employees | 881 | 1331 | 8660 | 9406 | 2637 | | 1858 | 2033 | b) Rent, taxes and lighting | 1545 | 1963 | 1000 | 1207 | 277 | | 728 | 886 | c) Printing and stationery | 493 | 639 | 135 | 165 | 46 | | 54 | 69 | d) Advertisement and publicity | 391 | 788 | 82 | 88 | 8 | | 33 | 53 | e) Depreciation on Bank’s property | 1896 | 2218 | 1218 | 1147 | 85 | | 443 | 512 | f) Directors’ fees, allowances and expenses | 24 | 25 | 10 | 12 | 4 | | 8 | 13 | g) Auditors’ fees and expenses | 29 | 52 | 40 | 50 | 19 | | 16 | 15 | h) Law charges | 27 | 62 | 227 | 296 | 5 | | 79 | 65 | i) Postage, telegrams, telephones, etc. | 388 | 457 | 214 | 381 | 51 | | 62 | 88 | j) Repairs and maintenance | 443 | 693 | 94 | 160 | 14 | | 30 | 40 | k) Insurance | 159 | 206 | 245 | 175 | 139 | | 81 | 88 | l) Other expenditure | 2871 | 4860 | 1263 | 1420 | 262 | | 661 | 678 | V. Provisions and contingencies | 2988 | 3873 | 2549 | 4110 | 541 | | 1882 | 3059 | | | Total expenses@ | 31853 | 40603 | 44120 | 46840 | 12601 | | 14603 | 16326 | VI. Profit (loss) | 3482 | 3572 | 3222 | 4031 | (1339) | | 1750 | 2275 |
| | | Total (III+IV+V+VI) | 38322 | 48048 | 49891 | 54981 | 11803 | | 18235 | 21660 |
|
(Amount in Rs. lakh) |
| | For the year ended March 31 |
| Items | Catholic Syrian Bank | Centurion Bank | City Union Bank | Development Credit Bank |
| | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | (9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) |
| Income | | | | | | | | | I. Interest Earned | 31298 | 33670 | 54730 | 48218 | 18494 | 21214 | 38879 | 37738 | a) Interest/discount on advances/bills | 15396 | 15583 | 26214 | 25366 | 11321 | 11891 | 21210 | 23396 | b) Income on Investments | 13525 | 15115 | 21975 | 14815 | 6726 | 8697 | 16589 | 13566 | c) Interest on balances with | 2325 | 2799 | 2531 | 3938 | 347 | 625 | 1080 | 776 | | RBI and other inter-bank funds | | | | | | | | | d) Others | 52 | 173 | 4010 | 4099 | 100 | 1 | - | - | II. Other income | 4830 | 9889 | 9809 | 7076 | 2893 | 4802 | 4878 | 9584 | a) Commission, exchange and brokerage | 1254 | 1087 | 2530 | 2756 | 1310 | 1341 | 2014 | 2343 | b) Net Profit (loss) on sale of investments | 1943 | 7496 | 5144 | 2891 | 667 | 2419 | 1030 | 6570 | c) Net Profit (loss) on revaluation of investments | 363 | - | 420 | (7) | - | - | - | (1036) | d) Net Profit (loss) on sale of land, building & other assets | 1 | 5 | 9 | 3 | (1) | 2 | (1) | (122) | e) Net Profit (loss) on exchange transaction | 500 | 517 | 1071 | 869 | 270 | 257 | 304 | 529 | f) Miscellaneous income | 768 | 784 | 635 | 564 | 648 | 783 | 1531 | 1301 |
| Total (I+II) | 36128 | 43559 | 64539 | 55294 | 21387 | 26016 | 43757 | 47323 |
| Expenditure & Provisions | | | | | | | | | III. Interest expended | 23166 | 25604 | 44515 | 37869 | 13133 | 15755 | 30186 | 28631 | a) Interest on deposits | 22481 | 25124 | 32819 | 29790 | 12739 | 15612 | 27394 | 26619 | b) Interest on RBI/inter-bank borrowings | 186 | 117 | 3995 | 1738 | 233 | 86 | 1924 | 1834 | c) Others | 499 | 363 | 7701 | 6341 | 161 | 57 | 868 | 178 | IV. Operating expenses | 8095 | 8912 | 14243 | 15984 | 3305 | 3755 | 7169 | 8347 | a) Payments to and provisions for employees | 6050 | 6706 | 1533 | 1983 | 2051 | 2313 | 2767 | 3420 | b) Rent, taxes and lighting | 678 | 729 | 1052 | 1302 | 230 | 279 | 584 | 701 | c) Printing and stationery | 137 | 138 | 400 | 506 | 80 | 85 | 136 | 188 | d) Advertisement and publicity | 15 | 17 | 523 | 297 | 38 | 32 | 133 | 96 | e) Depreciation on Bank's property | 331 | 310 | 6280 | 6087 | 208 | 265 | 1479 | 1664 | f) Directors' fees, allowances and expenses | 12 | 15 | 5 | 6 | 4 | 7 | 17 | 81 | g) Auditors' fees and expenses | 12 | 18 | 30 | 30 | 5 | 7 | 35 | 35 | h) Law charges | 11 | 31 | 280 | 159 | 1 | 3 | 33 | 23 | i) Postage, telegrams, telephones, etc. | 122 | 122 | 531 | 501 | 99 | 110 | 131 | 117 | j) Repairs and maintenance | 38 | 40 | 860 | 1248 | 36 | 59 | 213 | 192 | k) Insurance | 151 | 166 | 177 | 241 | 139 | 112 | 183 | 125 | l) Other expenditure | 538 | 620 | 2572 | 3624 | 413 | 483 | 1458 | 1704 | V. Provisions and contingencies | 3742 | 5332 | 5079 | 10842 | 2819 | 3663 | 3400 | 6941 | | Total expenses@ | 31261 | 34516 | 58758 | 53853 | 16439 | 19510 | 37354 | 36977 | VI. Profit (loss) | 1125 | 3712 | 702 | (9401) | 2130 | 2843 | 3003 | 3405 |
| | Total (III+IV+V+VI) | 36128 | 43560 | 64539 | 55294 | 21387 | 26016 | 43757 | 47323 |
|
(Amount in Rs. lakh) |
| | For the year ended March 31 |
| Items | Dhanalakshmi Bank | Federal Bank | Ganesh Bank of Kurundwad | Global Trust Bank |
| | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | (17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) |
| Income | | | | | | | | | I. Interest Earned | 17705 | 18110 | 91917 | 104240 | 1861 | 1925 | 89750 | 72422 | a) Interest/discount on advances/bills | 10146 | 10314 | 56143 | 63603 | 1228 | 1210 | 49019 | 39647 | b) Income on Investments | 6980 | 6921 | 33611 | 38545 | 478 | 480 | 37711 | 31047 | c) Interest on balances with | 450 | 743 | 1277 | 2035 | 102 | 57 | 2119 | 1377 | | RBI and other inter-bank funds | | | | | | | | | d) Others | 128 | 132 | 886 | 56 | 53 | 178 | 901 | 350 | II. Other income | 2594 | 5876 | 12510 | 22042 | 81 | 276 | 16444 | 22923 | a) Commission, exchange and brokerage | 1317 | 1129 | 4549 | 4517 | 58 | 60 | 4209 | 4529 | b) Net Profit (loss) on sale of investments | 744 | 3998 | 1981 | 13050 | - | 188 | 2720 | 10917 | c) Net Profit (loss) on revaluation of investments | - | - | 184 | (425) | - | - | - | - | d) Net Profit (loss) on sale of land, building & other assets | - | 5 | (10) | 11 | - | - | (21) | 1952 | e) Net Profit (loss) on exchange transaction | 97 | 169 | 1304 | 1321 | - | - | 2426 | 1310 | f) Miscellaneous income | 436 | 575 | 4502 | 3568 | 23 | 28 | 7110 | 4216 |
| Total (I+II) | 20299 | 23986 | 104427 | 126281 | 1942 | 2201 | 106194 | 95346 |
| Expenditure & Provisions | | | | | | | | | III. Interest expended | 13733 | 13863 | 68219 | 76615 | 1494 | 1586 | 69717 | 63585 | a) Interest on deposits | 12863 | 13250 | 61339 | 70507 | 1483 | 1579 | 63352 | 57883 | b) Interest on RBI/inter-bank borrowings | 242 | 170 | 2037 | 1052 | 10 | 6 | 1736 | 1463 | c) Others | 628 | 443 | 4843 | 5055 | - | - | 4629 | 4239 | IV. Operating expenses | 4861 | 5064 | 17504 | 19126 | 375 | 397 | 16400 | 16958 | a) Payments to and provisions for employees | 2765 | 3402 | 11090 | 12096 | 214 | 233 | 3045 | 3565 | b) Rent, taxes and lighting | 475 | 478 | 1530 | 1755 | 23 | 24 | 1871 | 2234 | c) Printing and stationery | 89 | 90 | 225 | 295 | 10 | 9 | 523 | 443 | d) Advertisement and publicity | 53 | 83 | 151 | 125 | 1 | 1 | 1219 | 985 | e) Depreciation on Bank’s property | 244 | 323 | 1804 | 1834 | 67 | 66 | 4603 | 5124 | f) Directors’ fees, allowances and expenses | 9 | 12 | 15 | 16 | 1 | 1 | 14 | 18 | g) Auditors’ fees and expenses | 10 | 12 | 83 | 114 | 1 | 1 | 33 | 37 | h) Law charges | 19 | 3 | 61 | 44 | 4 | 7 | 51 | 64 | i) Postage, telegrams, telephones, etc. | 79 | 91 | 86 | 148 | 12 | 11 | 875 | 993 | j) Repairs and maintenance | 55 | 48 | 246 | 325 | 2 | 2 | 630 | 902 | k) Insurance | 72 | 77 | 341 | 414 | 9 | 9 | 500 | 410 | l) Other expenditure | 992 | 445 | 1874 | 1961 | 33 | 33 | 3036 | 2182 | V. Provisions and contingencies | 1028 | 4052 | 12601 | 22339 | 35 | 123 | 12044 | 10777 | | Total expenses@ | 18594 | 18927 | 85723 | 95741 | 1869 | 1983 | 86117 | 80543 | VI. Profit (loss) | 677 | 1007 | 6104 | 8201 | 38 | 96 | 8033 | 4026 |
| | Total (III+IV+V+VI) | 20299 | 23986 | 104427 | 126281 | 1942 | 2201 | 106194 | 95346 |
|
(Amount in Rs. lakh) |
| | For the year ended March 31 |
| Items | HDFC Bank | ICICI Bank | IDBI Bank | IndusInd Bank |
| | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | (25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) |
| Income | | | | | | | | | I. Interest Earned | 125946 | 170299 | 124213 | 215193 | 53910 | 50932 | 72872 | 71006 | a) Interest/discount on advances/bills | 49317 | 62393 | 57091 | 77167 | 20672 | 24976 | 37229 | 42848 | b) Income on Investments | 63559 | 86397 | 55573 | 123380 | 31699 | 23521 | 32659 | 25471 | c) Interest on balances with | 13058 | 21396 | 10867 | 12262 | 1452 | 1234 | 2984 | 2687 | | RBI and other inter-bank funds | | | | | | | | | d) Others | 12 | 113 | 683 | 2384 | 87 | 1201 | - | - | II. Other income | 18553 | 33325 | 22001 | 57466 | 6958 | 12254 | 11655 | 18437 | a) Commission, exchange and brokerage | 13411 | 16448 | 13953 | 22978 | 4272 | 4222 | 3306 | 2630 | b) Net Profit (loss) on sale of investments | 1150 | 10383 | 1921 | 30571 | 1135 | 5540 | 2461 | 12076 | c) Net Profit (loss) on revaluation of investments | - | - | 1377 | (1460) | 54 | - | 757 | - | d) Net Profit (loss) on sale of land, building & other assets | (60) | (81) | (13) | (6) | (19) | (75) | 36 | - | e) Net Profit (loss) on exchange transaction | 3985 | 3914 | 4161 | 3730 | 837 | 918 | 1283 | 1366 | f) Miscellaneous income | 67 | 2661 | 601 | 1653 | 678 | 1649 | 3813 | 2365 |
| Total (I+II) | 144499 | 203624 | 146214 | 272659 | 60868 | 63186 | 84527 | 89443 |
| Expenditure & Provisions | | | | | | | | | III. Interest expended | 75375 | 107374 | 83767 | 155892 | 43750 | 36572 | 56946 | 54723 | a) Interest on deposits | 63903 | 91552 | 72544 | 138893 | 40038 | 27420 | 50759 | 46996 | b) Interest on RBI/inter-bank borrowings | 9476 | 13285 | 3205 | 4784 | 1748 | 3870 | 2608 | 2924 | c) Others | 1996 | 2537 | 8018 | 12216 | 1965 | 5282 | 3579 | 4803 | IV. Operating expenses | 30959 | 41795 | 33429 | 62258 | 10256 | 14301 | 10307 | 9472 | a) Payments to and provisions for employees | 7800 | 10924 | 5171 | 14718 | 2263 | 3973 | 1340 | 2029 | b) Rent, taxes and lighting | 4341 | 5775 | 3648 | 6628 | 1807 | 2519 | 1866 | 1915 | c) Printing and stationery | 1724 | 1772 | 2417 | 3530 | 373 | 602 | 225 | 225 | d) Advertisement and publicity | 2545 | 1878 | 1433 | 797 | 354 | 220 | 114 | 170 | e) Depreciation on Bank’s property | 5394 | 6902 | 3642 | 6409 | 1881 | 2303 | 2790 | 2068 | f) Directors’ fees, allowances and expenses | (74) | 5 | 18 | 16 | 6 | 11 | 22 | 30 | g) Auditors’ fees and expenses | 21 | 22 | 29 | 31 | 13 | 15 | 35 | 41 | h) Law charges | 21 | 21 | 54 | 151 | 19 | 50 | 188 | 138 | i) Postage, telegrams, telephones, etc. | 3082 | 3706 | 2084 | 3772 | 626 | 1072 | 632 | 603 | j) Repairs and maintenance | 2417 | 3472 | 2711 | 7833 | 687 | 863 | 458 | 531 | k) Insurance | 623 | 836 | 637 | 1415 | 390 | 362 | 347 | 335 | l) Other expenditure | 3065 | 6482 | 11584 | 16958 | 1838 | 2311 | 2290 | 1387 | V. Provisions and contingencies | 17153 | 24751 | 12908 | 28679 | 4926 | 7071 | 13220 | 20173 | | Total expenses@ | 106334 | 149169 | 117197 | 218150 | 54006 | 50873 | 67253 | 64195 | VI. Profit (loss) | 21012 | 29704 | 16110 | 25830 | 1936 | 5242 | 4054 | 5075 |
| | Total (III+IV+V+VI) | 144499 | 203624 | 146214 | 272659 | 60868 | 63186 | 84527 | 89443 |
| Notes | 1. @: Excluding 'Provisions and Contingencies'. | 2. Figures in bracket indicate loss. | Source: Annual accounts of banks of respective years. |
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