| OTHER SCHEDULED COMMERCIAL BANKS | (Amount in Rs. lakh) |
| | For the year ended March 31 |
| Items | Jammu & Kashmir Bank | Karnataka Bank | Karur Vysya Bank | Lakshmi Vilas Bank |
| | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | (33) | (34) | (35) | (36) | (37) | (38) | (39) | (40) |
| Income | | | | | | | | | I. Interest Earned | 107650 | 135374 | 65389 | 74324 | 46119 | 48230 | 25110 | 27150 | a) Interest/discount on advances/bills | 43545 | 63955 | 34659 | 38909 | 26681 | 25348 | 16896 | 17172 | b) Income on Investments | 56787 | 65159 | 25936 | 31753 | 16827 | 19160 | 7420 | 8803 | c) Interest on balances with | 7318 | 6260 | 4141 | 3542 | 2583 | 3698 | 564 | 1081 | | RBI and other inter-bank funds | | | | | | | | | d) Others | - | - | 653 | 120 | 28 | 24 | 229 | 95 | II. Other income | 8078 | 25712 | 8948 | 24102 | 5386 | 10471 | 5884 | 8597 | a) Commission, exchange and brokerage | 2195 | 2807 | 4312 | 4561 | 4611 | 4491 | 3206 | 3209 | b) Net Profit (loss) on sale of investments | 1952 | 18247 | 3032 | 17974 | (581) | 4732 | (195) | 3436 | c) Net Profit (loss) on revaluation of investments | - | 1929 | - | - | - | - | - | - | d) Net Profit (loss) on sale of land, building & other assets | - | - | 12 | (21) | 1 | 1 | (4) | (1) | e) Net Profit (loss) on exchange transaction | 375 | 421 | 942 | 1032 | 791 | 659 | 414 | 427 | f) Miscellaneous income | 3555 | 2308 | 651 | 556 | 564 | 588 | 2462 | 1527 |
| Total (I+II) | 115728 | 161086 | 74337 | 98426 | 51505 | 58701 | 30993 | 35748 |
| Expenditure & Provisions | | | | | | | | | III. Interest expended | 71961 | 91539 | 50189 | 60276 | 30574 | 31773 | 18454 | 20973 | a) Interest on deposits | 71328 | 87944 | 48990 | 59244 | 28220 | 30097 | 17204 | 20081 | b) Interest on RBI/inter-bank borrowings | 381 | 2573 | 703 | 653 | 904 | 605 | 988 | 519 | c) Others | 252 | 1022 | 496 | 379 | 1450 | 1071 | 262 | 374 | IV. Operating expenses | 16487 | 23423 | 10541 | 13062 | 9876 | 10753 | 6532 | 7038 | a) Payments to and provisions for employees | 9583 | 14421 | 7177 | 8897 | 4943 | 5310 | 3819 | 3999 | b) Rent, taxes and lighting | 1245 | 1362 | 859 | 904 | 510 | 571 | 521 | 586 | c) Printing and stationery | 342 | 376 | 146 | 159 | 171 | 166 | 118 | 131 | d) Advertisement and publicity | 325 | 441 | 46 | 60 | 183 | 161 | 71 | 120 | e) Depreciation on Bank’s property | 1698 | 2409 | 890 | 1185 | 931 | 1104 | 556 | 508 | f) Directors’ fees, allowances and expenses | 18 | 21 | 15 | 13 | 26 | 22 | 19 | 19 | g) Auditors’ fees and expenses | 104 | 146 | 26 | 32 | 17 | 16 | 13 | 16 | h) Law charges | 16 | 13 | 8 | 10 | 6 | 9 | 3 | 9 | i) Postage, telegrams, telephones, etc. | 197 | 223 | 124 | 181 | 403 | 400 | 233 | 256 | j) Repairs and maintenance | 133 | 170 | 124 | 238 | 133 | 174 | 23 | 36 | k) Insurance | 405 | 341 | 278 | 352 | 161 | 190 | 118 | 140 | l) Other expenditure | 2422 | 3500 | 849 | 1031 | 2392 | 2630 | 1036 | 1217 | V. Provisions and contingencies | 10523 | 20144 | 9066 | 15975 | 3850 | 5324 | 3333 | 4714 | | Total expenses@ | 88448 | 114962 | 60730 | 73338 | 40450 | 42526 | 24986 | 28011 | VI. Profit (loss) | 16756 | 25980 | 4541 | 9113 | 7205 | 10851 | 2674 | 3022 |
| | Total (III+IV+V+VI) | 115728 | 161086 | 74337 | 98426 | 51505 | 58701 | 30993 | 35748 |
|
(Amount in Rs. lakh) |
| | For the year ended March 31 |
| Items | Lord Krishna Bank | Nainital Bank | Nedungadi Bank | Ratnakar Bank |
| | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | (41) | (42) | (43) | (44) | (45) | (46) | (47) | (48) |
| Income | | | | | | | | | I. Interest Earned | 12344 | 14413 | 5646 | 6325 | 17723 | 15534 | 6065 | 6420 | a) Interest/discount on advances/bills | 7566 | 7574 | 1450 | 1508 | 9800 | 8709 | 3090 | 3572 | b) Income on Investments | 4519 | 6254 | 3060 | 3649 | 7488 | 6343 | 2655 | 2264 | c) Interest on balances with | 140 | 524 | 1130 | 1164 | 401 | 476 | 311 | 577 | | RBI and other inter-bank funds | | | | | | | | | d) Others | 119 | 61 | 6 | 4 | 33 | 6 | 8 | 7 | II. Other income | 2104 | 7532 | 241 | 342 | 2895 | 7004 | 903 | 2678 | a) Commission, exchange and brokerage | 1058 | 882 | 158 | 180 | 1104 | 892 | 191 | 196 | b) Net Profit (loss) on sale of investments | 558 | 6054 | 3 | 20 | 822 | 5218 | 479 | 2238 | c) Net Profit (loss) on revaluation of investments | - | - | - | - | - | - | - | - | d) Net Profit (loss) on sale of land, building & other assets | 5 | - | - | - | 4 | 2 | - | 5 | e) Net Profit (loss) on exchange transaction | - | - | - | - | 506 | 346 | - | - | f) Miscellaneous income | 483 | 596 | 80 | 142 | 460 | 546 | 233 | 238 |
| Total (I+II) | 14448 | 21945 | 5888 | 6666 | 20617 | 22538 | 6968 | 9098 |
| Expenditure & Provisions | | | | | | | | | III. Interest expended | 10315 | 13087 | 3432 | 3761 | 15746 | 14534 | 4234 | 4445 | a) Interest on deposits | 9568 | 12207 | 3430 | 3760 | 15041 | 14062 | 3977 | 4384 | b) Interest on RBI/inter-bank borrowings | 252 | 241 | 2 | - | 173 | 13 | 116 | 60 | c) Others | 496 | 639 | - | 1 | 532 | 459 | 141 | 0 | IV. Operating expenses | 2614 | 3806 | 1481 | 1691 | 4807 | 4538 | 1694 | 2131 | a) Payments to and provisions for employees | 1381 | 1639 | 1071 | 1253 | 3187 | 3007 | 968 | 1385 | b) Rent, taxes and lighting | 366 | 727 | 114 | 130 | 437 | 467 | 217 | 226 | c) Printing and stationery | 44 | 79 | 18 | 23 | 61 | 65 | 23 | 28 | d) Advertisement and publicity | 137 | 116 | 5 | 5 | 56 | 23 | 5 | 6 | e) Depreciation on Bank’s property | 155 | 276 | 34 | 44 | 239 | 269 | 322 | 295 | f) Directors’ fees, allowances and expenses | 10 | 2 | 4 | 3 | 9 | 9 | 4 | 5 | g) Auditors’ fees and expenses | 4 | 11 | 4 | 5 | 14 | 9 | 6 | 5 | h) Law charges | 7 | 7 | 11 | 10 | 10 | 6 | 9 | 9 | i) Postage, telegrams, telephones, etc. | 70 | 107 | 34 | 35 | 59 | 54 | 28 | 32 | j) Repairs and maintenance | 13 | 39 | 9 | 8 | 2 | 2 | 12 | 15 | k) Insurance | 51 | 36 | 26 | 30 | 72 | 76 | 29 | 30 | l) Other expenditure | 376 | 767 | 152 | 146 | 661 | 551 | 71 | 96 | V. Provisions and contingencies | 1018 | 3081 | 470 | 641 | 6844 | 3339 | 638 | 1837 | | Total expenses@ | 12930 | 16893 | 4913 | 5452 | 20553 | 19072 | 5928 | 6576 | VI. Profit (loss) | 501 | 1971 | 505 | 573 | (6780) | 127 | 402 | 684 |
| | Total (III+IV+V+VI) | 14448 | 21945 | 5888 | 6666 | 20617 | 22538 | 6968 | 9098 |
|
(Amount in Rs. lakh) |
| | For the year ended March 31 |
| Items | Sangli Bank | SBI Commercial & Intl. Bank | South Indian Bank | Tamilnad Mercantile Bank |
| | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | (49) | (50) | (51) | (52) | (53) | (54) | (55) | (56) |
| Income | | | | | | | | | I. Interest Earned | 14784 | 13866 | 6419 | 5691 | 54041 | 61547 | 37562 | 43289 | a) Interest/discount on advances/bills | 4900 | 5651 | 3094 | 2800 | 30325 | 35991 | 17955 | 20819 | b) Income on Investments | 8193 | 5290 | 2280 | 2236 | 21767 | 23593 | 18652 | 21504 | c) Interest on balances with | 1175 | 2703 | 1045 | 636 | 1949 | 1963 | 766 | 926 | | RBI and other inter-bank funds | | | | | | | | | d) Others | 516 | 223 | - | 19 | - | - | 190 | 40 | II. Other income | 1392 | 3400 | 988 | 1606 | 7253 | 13854 | 5115 | 6246 | a) Commission, exchange and brokerage | 689 | 578 | 306 | 195 | 2381 | 2351 | 3237 | 3473 | b) Net Profit (loss) on sale of investments | 334 | 2507 | 107 | 1020 | 2527 | 8646 | (62) | 52 | c) Net Profit (loss) on revaluation of investments | - | - | 295 | - | - | - | - | - | d) Net Profit (loss) on sale of land, building & other assets | - | 1 | 1 | - | 5 | 5 | 2 | (1) | e) Net Profit (loss) on exchange transaction | 158 | 102 | 196 | 211 | 818 | 1046 | 664 | 768 | f) Miscellaneous income | 212 | 212 | 84 | 178 | 1522 | 1805 | 1275 | 1954 |
| Total (I+II) | 16176 | 17266 | 7407 | 7296 | 61294 | 75401 | 42677 | 49535 |
| Expenditure & Provisions | | | | | | | | | III. Interest expended | 9681 | 9675 | 5650 | 5143 | 39094 | 46019 | 25484 | 28948 | a) Interest on deposits | 9318 | 9623 | 4827 | 4851 | 36954 | 44920 | 24246 | 27897 | b) Interest on RBI/inter-bank borrowings | 348 | 43 | 458 | 188 | 587 | 260 | 141 | 57 | c) Others | 15 | 9 | 365 | 104 | 1553 | 839 | 1096 | 994 | IV. Operating expenses | 4739 | 4981 | 914 | 844 | 11503 | 12091 | 6982 | 8534 | a) Payments to and provisions for employees | 3776 | 3861 | 302 | 289 | 8527 | 8440 | 4264 | 5078 | b) Rent, taxes and lighting | 359 | 349 | 144 | 138 | 951 | 1067 | 658 | 765 | c) Printing and stationery | 37 | 37 | 17 | 11 | 160 | 250 | 218 | 233 | d) Advertisement and publicity | 7 | 5 | 3 | 3 | 86 | 95 | 82 | 121 | e) Depreciation on Bank's property | 93 | 278 | 144 | 104 | 324 | 442 | 398 | 488 | f) Directors' fees, allowances and expenses | 1 | 2 | 4 | 5 | 5 | 12 | 9 | 9 | g) Auditors' fees and expenses | 6 | 11 | 3 | 3 | 37 | 40 | 20 | 25 | h) Law charges | 5 | 7 | 42 | 35 | 7 | 15 | 22 | 10 | i) Postage, telegrams, telephones, etc. | 58 | 62 | 7 | 9 | 257 | 332 | 92 | 150 | j) Repairs and maintenance | 45 | 49 | 23 | 23 | 96 | 93 | 225 | 284 | k) Insurance | 63 | 68 | 48 | 46 | 242 | 289 | 152 | 180 | l) Other expenditure | 290 | 253 | 177 | 177 | 810 | 1016 | 840 | 1191 | V. Provisions and contingencies | 1133 | 1606 | 5043 | 986 | 6547 | 11049 | 5172 | 6518 | | Total expenses@ | 14420 | 14656 | 6564 | 5986 | 50597 | 58111 | 32465 | 37482 | VI. Profit (loss) | 622 | 1004 | (4200) | 324 | 4150 | 6241 | 5040 | 5535 |
| | Total (III+IV+V+VI) | 16176 | 17266 | 7407 | 7296 | 61294 | 75401 | 42677 | 49535 |
|
(Amount in Rs. lakh) |
| | For the year ended March 31 |
| Items | United Western Bank | UTI Bank | Vysya Bank |
| | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
| | (57) | (58) | (59) | (60) | (61) | (62) |
| Income | | | | | | | I. Interest Earned | 47273 | 49241 | 88963 | 117953 | 88929 | 92260 | a) Interest/discount on advances/bills | 26293 | 28851 | 47361 | 53957 | 45628 | 44971 | b) Income on Investments | 18052 | 17548 | 37389 | 60267 | 32034 | 35903 | c) Interest on balances with | 2518 | 2610 | 4041 | 3057 | 10725 | 10624 | | RBI and other inter-bank funds | | | | | | | d) Others | 410 | 233 | 172 | 672 | 543 | 762 | II. Other income | 4628 | 15259 | 16300 | 41587 | 12385 | 28133 | a) Commission, exchange and brokerage | 2767 | 3049 | 8625 | 9762 | 7927 | 8438 | b) Net Profit (loss) on sale of investments | 75 | 10173 | 6378 | 30544 | 1513 | 15962 | c) Net Profit (loss) on revaluation of investments | (697) | (147) | - | - | - | - | d) Net Profit (loss) on sale of land, building & other assets | 1 | 7 | (8) | (78) | (3) | 46 | e) Net Profit (loss) on exchange transaction | 607 | 808 | 521 | 865 | 949 | 1761 | f) Miscellaneous income | 1875 | 1370 | 783 | 494 | 1999 | 1926 |
| Total (I+II) | 51900 | 64500 | 105263 | 159540 | 101314 | 120393 |
| Expenditure & Provisions | | | | | | | III. Interest expended | 36315 | 39110 | 79136 | 98000 | 71598 | 74043 | a) Interest on deposits | 33995 | 36807 | 70374 | 85663 | 66336 | 66846 | b) Interest on RBI/inter-bank borrowings | 1058 | 1042 | 3345 | 5306 | 4089 | 5777 | c) Others | 1262 | 1262 | 5418 | 7031 | 1174 | 1420 | IV. Operating expenses | 9383 | 10044 | 12876 | 20547 | 18279 | 25906 | a) Payments to and provisions for employees | 6281 | 6674 | 2852 | 4957 | 10378 | 13966 | b) Rent, taxes and lighting | 676 | 667 | 2640 | 3601 | 1940 | 2131 | c) Printing and stationery | 212 | 217 | 436 | 668 | 459 | 466 | d) Advertisement and publicity | 64 | 62 | 557 | 664 | 134 | 114 | e) Depreciation on Bank's property | 808 | 1033 | 2173 | 3663 | 1355 | 2970 | f) Directors' fees, allowances and expenses | 9 | 7 | 15 | 17 | 50 | 42 | g) Auditors' fees and expenses | 35 | 44 | 21 | 28 | 51 | 48 | h) Law charges | 82 | 47 | 184 | 224 | 71 | 74 | i) Postage, telegrams, telephones, etc. | 118 | 143 | 838 | 1407 | 545 | 779 | j) Repairs and maintenance | 96 | 105 | 1017 | 1889 | 759 | 1153 | k) Insurance | 190 | 213 | 414 | 636 | 381 | 466 | l) Other expenditure | 811 | 831 | 1730 | 2793 | 2156 | 3697 | V. Provisions and contingencies | 5898 | 12770 | 4638 | 27579 | 7581 | 13569 | | Total expenses@ | 45698 | 49154 | 92013 | 118547 | 89878 | 99949 | VI. Profit (loss) | 304 | 2576 | 8612 | 13414 | 3855 | 6875 |
| | Total (III+IV+V+VI) | 51900 | 64500 | 105263 | 159540 | 101314 | 120393 |
| Notes | 1. @: Excluding 'Provisions and Contingencies'. | 2. Figures in bracket indicate loss. | Source: Annual accounts of banks of respective years. |
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