(Amount in Rs. lakh)
|
| | | | | For the year ended 31st March
|
| | | | Items | State Bank of India | | Nationalised Banks | | Other Scheduled |
| and its Associates
| |
| | Commercial Banks
|
| | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (1)
| (2)
|
| (3)
| (4)
|
| (5)
| (6)
|
Number of reporting banks | 8 | 8 | | 19 | 19 | | 33 | 34 |
I. | Interest earned | 1711445 | 1992303 | | 2950582 | 3398785 | | 553588 | 622590 |
| | a) | Interest/discount on advances/bills | 917292 | 1120189 | | 1594874 | 1853650 | | 284239 | 417332 |
| | b) | Income on Investments | 652962 | 714570 | | 1144748 | 1339016 | | 238795 | 176578 |
| | c) | Interest on balances with | 107077 | 92367 | | 181184 | 178237 | | 28500 | 25102 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | 34114 | 65177 | | 29776 | 27882 | | 2054 | 3578 |
II. | Other income | 345233 | 335380 | | 359250 | 400639 | | 76549 | 95160 |
| | a) | Commission, exchange and brokerage | 229899 | 235264 | | 216788 | 219558 | | 35944 | 43729 |
| | b) | Net Profit (loss) on sale of investments | (5,815) | 3,584 | | 1984 | 19350 | | 3140 | 9417 |
| | | i) | Profit on sale of investments | 526 | 3818 | | 4979 | 22913 | | 4718 | 10456 |
| | | ii) | Loss on sale of investments | 6342 | 234 | | 2995 | 3563 | | 1578 | 1039 |
| | c) | Net Profit (loss) on sale of land, building & other assets | 67 | 62 | | 676 | 439 | | 69 | 88 |
| | | i) | Profit on sale of land, building & other assets | 74 | 68 | | 691 | 456 | | 69 | 112 |
| | | ii) | Loss on sale of land, building & other assets | 7 | 6 | | 15 | 17 | | - | 24 |
| | d) | Net Profit (loss) on exchange transaction | 110385 | 84134 | | 77007 | 73421 | | 12660 | 14253 |
| | | i) | Profit on exchange transaction | 110385 | 84134 | | 78065 | 74563 | | 12900 | 14673 |
| | | ii) | Loss on exchange transaction | - | - | | 1058 | 1142 | | 241 | 420 |
| | e) | Miscellaneous income | 10697
| 12336
|
| 62794
| 87871
|
| 24737
| 27673
|
| Total (I+II)
| 2056678
| 2327683
|
| 3309832
| 3799424
|
| 630137
| 717750
|
III. | Interest expended | 1087179 | 1281944 | | 2008900 | 2351915 | | 312745 | 451754 |
| | a) | Interest on deposits | 903790 | 1136342 | | 1771105 | 2206289 | | 267587 | 413642 |
| | b) | Interest on RBI/inter-bank borrowings | 87937 | 51874 | | 131269 | 51782 | | 30118 | 17082 |
| | c) | Others | 95453 | 93728 | | 106526 | 93844 | | 15041 | 21030 |
IV. | Operating expenses | 577176 | 599958 | | 936366 | 1003514 | | 111621 | 138090 |
| | a) | Payments to and provisions for employees | 430751 | 435309 | | 682888 | 727844 | | 65284 | 71937 |
| | b) | Rent, taxes and lighting | 35122 | 39642 | | 61696 | 68463 | | 9022 | 12249 |
| | c) | Printing and stationery | 8478 | 9848 | | 15471 | 17794 | | 2415 | 3052 |
| | d) | Advertisement and publicity | 1716 | 1496 | | 3533 | 3409 | | 2286 | 2647 |
| | e) | Depreciation on bank's property | 11598 | 13384 | | 25409 | 32710 | | 10730 | 18875 |
| | f) | Directors' fees, allowances and expenses | 91 | 118 | | 212 | 273 | | 119 | 216 |
| | g) | Auditors' fees and expenses | 1803 | 2062 | | 4220 | 4560 | | 271 | 344 |
| | h) | Law charges | 1360 | 1929 | | 4802 | 6655 | | 516 | 524 |
| | i) | Postage, telegrams, telephones, etc. | 7473 | 7792 | | 12159 | 11777 | | 2915 | 3751 |
| | j) | Repairs and maintenance | 3798 | 4899 | | 10067 | 11536 | | 1689 | 2659 |
| | k) | Insurance | 31841 | 29318 | | 31654 | 26666 | | 1786 | 2460 |
| | l) | Other expenditure | 43145 | 54161 | | 84255 | 91827 | | 14589 | 19376 |
V. | Provisions and contingencies | 311975
| 278792
|
| 478400
| 299476
|
| 46926
| 63040
|
| | Total expenses | 1976331
| 2160694
|
| 3423666
| 3654905
|
| 471293
| 652884
|
VI.
| Profit (loss)
| 80347
| 166989
|
| (113834)
| 144519
|
| 158845
| 64866
|
(Amount in Rs. lakh)
|
| | | | | For the year ended 31st March
|
| | | | Items | Foreign Banks
| | Regional Rural Banks
| | Total
|
| | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (7)
| (8)
|
| (9)
| (10)
|
| (11)
| (12)
|
Number of reporting banks | 30 | 33 | | 194 | 191 | | 284 | 285 |
I. | Interest earned | 496862 | 611472 | | 140266 | 198983 | | 5852742 | 6824133 |
| | a) | Interest/discount on advances/bills | 316735 | 417301 | | 52783 | 70234 | | 3165922 | 3878706 |
| | b) | Income on Investments | 146730 | 152430 | | 38932 | 68063 | | 2222166 | 2450657 |
| | c) | Interest on balances with | 26111 | 30471 | | 44766 | 54861 | | 387639 | 381038 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | 7286 | 11270 | | 3786 | 5825 | | 77015 | 113732 |
II. | Other income | 111428 | 138432 | | 8840 | 10192 | | 901300 | 979803 |
| | a) | Commission, exchange and brokerage | 65251 | 83653 | | 3309 | 4136 | | 551191 | 586340 |
| | b) | Net Profit (loss) on sale of investments | 4383 | 9599 | | 2 | 32 | | 3694 | 41982 |
| | | i) | Profit on sale of investments | 5203 | 9957 | | 2 | 32 | | 15429 | 47176 |
| | | ii) | Loss on sale of investments | 820 | 358 | | - | - | | 11734 | 5194 |
| | c) | Net Profit (loss) on sale of land, building & other assets | 596 | -116 | | 19 | 18 | | 1428 | 491 |
| | | i) | Profit on sale of land, building & other assets | 653 | 41 | | 19 | 20 | | 1507 | 697 |
| | | ii) | Loss on sale of land, building & other assets | 57 | 157 | | - | 2 | | 78 | 206 |
| | d) | Net Profit (loss) on exchange transaction | 39962 | 42624 | | - | - | | 240013 | 214432 |
| | | i) | Profit on exchange transaction | 107384 | 94947 | | - | - | | 308734 | 268317 |
| | | ii) | Loss on exchange transaction | 67423 | 52323 | | - | - | | 68721 | 53885 |
| | e) | Miscellaneous income | 1236
| 2672
|
| 5509
| 6006
|
| 104974
| 136558
|
| Total (I+II)
| 608290
| 749904
|
| 149106
| 209175
|
| 6754043
| 7803936
|
III. | Interest expended | 318364 | 386644 | | 104777 | 142163 | | 3831965 | 4614420 |
| | a) | Interest on deposits | 215884 | 313954 | | 86574 | 120905 | | 3244939 | 4191132 |
| | b) | Interest on RBI/inter-bank borrowings | 74391 | 51194 | | 14017 | 15676 | | 337731 | 187608 |
| | c) | Others | 28090 | 21496 | | 4186 | 5582 | | 249295 | 235680 |
IV. | Operating expenses | 132330 | 166345 | | 71399 | 78066 | | 1828893 | 1985973 |
| | a) | Payments to and provisions for employees | 46539 | 58761 | | 59374 | 65645 | | 1284836 | 1359496 |
| | b) | Rent, taxes and lighting | 11758 | 14397 | | 1501 | 1640 | | 119099 | 136391 |
| | c) | Printing and stationery | 4079 | 5043 | | 862 | 1007 | | 31304 | 36744 |
| | d) | Advertisement and publicity | 7310 | 10195 | | 16 | 18 | | 14860 | 17765 |
| | e) | Depreciation on bank's property | 10094 | 12536 | | 463 | 637 | | 58295 | 78142 |
| | f) | Directors' fees, allowances and expenses | 82 | 100 | | 10 | 6 | | 514 | 713 |
| | g) | Auditors' fees and expenses | 159 | 166 | | 126 | 165 | | 6579 | 7297 |
| | h) | Law charges | 1464 | 1707 | | 48 | 57 | | 8189 | 10872 |
| | i) | Postage, telegrams, telephones, etc. | 8103 | 10304 | | 391 | 447 | | 31041 | 34071 |
| | j) | Repairs and maintenance | 6027 | 7660 | | 158 | 175 | | 21739 | 26929 |
| | k) | Insurance | 2507 | 2771 | | 2615 | 1904 | | 70403 | 63119 |
| | l) | Other expenditure | 34208 | 42705 | | 5836 | 6365 | | 182033 | 214434 |
V. | Provisions and contingencies | 83746
| 119897
|
| 15488
| 65572
|
| 936535
| 826777
|
| | Total expenses | 534440
| 672886
|
| 191664
| 285801
|
| 6597393
| 7427170
|
VI.
| Profit (loss)
| 73850
| 77018
|
| (42558)
| (76626)
|
| 156650
| 376766
|