| STATE BANK OF INDIA AND ITS ASSOCIATES |
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| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| Items | | | State Bank of | | State Bank of Bikaner | | State Bank of | | State Bank of | | | | | India
| | and Jaipur
| | Hyderabad
| | Indore
| | | | | 1996
| 1997
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| 1996
| 1997
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| 1996
| 1997
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| 1996
| 1997
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| (1)
| (2)
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| (3)
| (4)
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| (5)
| (6)
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| (7)
| (8)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | 1295857 | 1495066 | | 60519 | 73654 | | 80853 | 95548 | | 31827 | 37822 | | | a) | Interest/discount on advances/bills | 668302 | 813747 | | 31726 | 41728 | | 49428 | 59995 | | 19586 | 23672 | | | b) | Income on investments | 517682 | 552151 | | 21577 | 25226 | | 25157 | 29914 | | 10316 | 12361 | | | c) | Interest on balances with RBI and other | 79432 | 72180 | | 6432 | 4569 | | 6047 | 3678 | | 1808 | 1597 | | | | inter-bank funds | | | | | | | | | | | | | | d) | Others | 30441 | 56988 | | 784 | 2131 | | 221 | 1961 | | 117 | 192 | | | | | | | | | | | | | | | | II. | Other income | 275702 | 264307 | | 10721 | 12822 | | 14583 | 14624 | | 4941 | 5260 | | | a) | Commission, exchange, brokerage, etc. | 176221 | 180485 | | 10157 | 10834 | | 11032 | 10716 | | 4138 | 4756 | | | b) | Net profit (loss) on sale of investments | (3268) | 2586 | | (1492) | (72) | | (489) | 86 | | 4 | 7 | | | c) | Net profit (loss) on revaluation of investments | - | 4006 | | - | - | | - | - | | - | - | | | d) | Net profit (loss) on sale of land, building | 49 | 35 | | (6) | (6) | | 9 | 6 | | 4 | 4 | | | | & other assets | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | 93403 | 69910 | | 2062 | 2066 | | 4030 | 3815 | | 795 | 492 | | | f) | Miscellaneous income | 9297 | 7284 | | - | - | | - | - | | - | - | | | | |
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| Total (I+II)
| 1571559
| 1759373
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| 71240
| 86476
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| 95435
| 110172
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| 36768
| 43082
| | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | 822592 | 959143 | | 37292 | 46580 | | 50575 | 60739 | | 19039 | 22933 | | | a) | Interest on deposits | 660543 | 830082 | | 34159 | 43629 | | 47164 | 57427 | | 16987 | 21955 | | | b) | Interest on RBI/inter-bank borrowings | 75213 | 48163 | | 1322 | 49 | | 2825 | 1028 | | 1333 | 57 | | | c) | Others | 86836 | 80898 | | 1811 | 2902 | | 586 | 2284 | | 718 | 920 | | | | | | | | | | | | | | | | IV. | Operating expenses | 445954 | 460467 | | 22723 | 24204 | | 24822 | 26498 | | 11448 | 12402 | | | a) | Payments to and provisions for employees | 335164 | 332293 | | 17753 | 18527 | | 17516 | 17912 | | 7918 | 8534 | | | b) | Rent, taxes and lighting | 27142 | 30308 | | 1299 | 1673 | | 1555 | 1773 | | 831 | 896 | | | c) | Printing and stationery | 6502 | 7546 | | 377 | 426 | | 466 | 587 | | 146 | 174 | | | d) | Advertisement and publicity | 1387 | 1172 | | 39 | 62 | | 61 | 82 | | 13 | 19 | | | e) | Depreciation on Bank's property | 8699 | 9733 | | 407 | 489 | | 644 | 751 | | 247 | 288 | | | f) | Directors' fees, allowances and expenses | 56 | 62 | | 4 | 5 | | 7 | 12 | | 4 | 4 | | | g) | Auditors' fees and expenses | 1234 | 1384 | | 98 | 109 | | 112 | 126 | | 47 | 55 | | | h) | Law charges | 1146 | 1625 | | 50 | 47 | | 45 | 74 | | 22 | 34 | | | i) | Postage, telegrams, telephones, etc. | 5218 | 5453 | | 468 | 475 | | 369 | 402 | | 255 | 273 | | | j) | Repairs and maintenance | 2933 | 3738 | | 133 | 149 | | 205 | 229 | | 68 | 97 | | | k) | Insurance | 25575 | 26558 | | 244 | 276 | | 1821 | 1731 | | 121 | 136 | | | l) | Other expenditure | 30898 | 40594 | | 1852 | 1966 | | 2021 | 2817 | | 1776 | 1888 | | | | | | | | | | | | | | | | V. | Provisions and contingencies | 219853 | 204838 | | 8642 | 11645 | | 15039 | 17690 | | 5072 | 6041 | | | | | | | | | | | | | | | | | | Total expenses | 1488399 | 1624448 | | 68656 | 82429 | | 90435 | 104927 | | 35559 | 41375 | | | | | | | | | | | | | | | | VI. | Profit (loss) | 83160 | 134925 | | 2583 | 4048 | | 5000 | 5245 | | 1209 | 1706 | | | | |
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| Total (III+IV+V+VI)
| 1571559
| 1759373
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| 71240
| 86476
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| 95435
| 110172
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| 36768
| 43082
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| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| Items | | | State Bank of | | State Bank of | | State Bank of | | State Bank of | | | | | Mysore
| | Patiala
| | Saurashtra
| | Travancore
| | | | | 1996
| 1997
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| 1996
| 1997
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| 1996
| 1997
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| 1996
| 1997
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| (9)
| (10)
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| (11)
| (12)
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| (13)
| (14)
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| (15)
| (16)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | 48778 | 59979 | | 77269 | 90761 | | 39851 | 48601 | | 76491 | 90873 | | | a) | Interest/discount on advances/bills | 30941 | 38209 | | 43012 | 53647 | | 23320 | 29210 | | 50976 | 59979 | | | b) | Income on investments | 15317 | 19459 | | 26777 | 31587 | | 13832 | 16941 | | 22305 | 26931 | | | c) | Interest on balances with RBI and other | 2190 | 1813 | | 5517 | 4728 | | 2650 | 1728 | | 3002 | 2075 | | | | inter-bank funds | | | | | | | | | | | | | | d) | Others | 331 | 497 | | 1964 | 799 | | 49 | 722 | | 207 | 1887 | | | | | | | | | | | | | | | | II. | Other income | 8782 | 8725 | | 10532 | 9214 | | 8315 | 8009 | | 11657 | 12419 | | | a) | Commission, exchange, brokerage, etc. | 6023 | 6387 | | 8702 | 7401 | | 5573 | 5910 | | 8052 | 8775 | | | b) | Net profit (loss) on sale of investments | 101 | 498 | | 2 | (3) | | 3 | 414 | | (676) | 67 | | | c) | Net profit (loss) on revaluation of investments | - | - | | 110 | - | | - | - | | - | - | | | d) | Net profit (loss) on sale of land, building | 3 | 5 | | 4 | 10 | | 1 | 2 | | 5 | 5 | | | | & other assets | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | 2456 | 1468 | | 1714 | 1803 | | 1963 | 1332 | | 3961 | 3247 | | | f) | Miscellaneous income | 200 | 368 | | 112 | 3 | | 774 | 350 | | 315 | 324 | | | | |
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| Total (I+II)
| 57561
| 68704
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| 87801
| 99975
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| 48166
| 56610
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| 88148
| 103291
| | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | 30373 | 36985 | | 48246 | 58641 | | 24463 | 30792 | | 54601 | 66132 | | | a) | Interest on deposits | 28074 | 36009 | | 45881 | 57711 | | 22187 | 29104 | | 48795 | 60426 | | | b) | Interest on RBI/inter-bank borrowings | 1431 | 155 | | 1870 | 539 | | 1249 | 62 | | 2694 | 1820 | | | c) | Others | 868 | 822 | | 495 | 391 | | 1026 | 1626 | | 3111 | 3886 | | | | | | | | | | | | | | | | IV. | Operating expenses | 17104 | 18724 | | 20988 | 21701 | | 14377 | 13862 | | 19761 | 22102 | | | a) | Payments to and provisions for employees | 13023 | 14229 | | 14781 | 16472 | | 10862 | 10634 | | 13735 | 16707 | | | b) | Rent, taxes and lighting | 1038 | 1228 | | 1212 | 1444 | | 862 | 944 | | 1184 | 1376 | | | c) | Printing and stationery | 219 | 250 | | 268 | 316 | | 226 | 223 | | 274 | 326 | | | d) | Advertisement and publicity | 26 | 26 | | 58 | 59 | | 27 | 25 | | 105 | 51 | | | e) | Depreciation on Bank's property | 383 | 470 | | 397 | 574 | | 333 | 363 | | 489 | 716 | | | f) | Directors' fees, allowances and expenses | 5 | 7 | | 4 | 8 | | 4 | 5 | | 7 | 13 | | | g) | Auditors' fees and expenses | 94 | 129 | | 74 | 102 | | 62 | 67 | | 82 | 89 | | | h) | Law charges | 12 | 24 | | 48 | 58 | | 30 | 49 | | 8 | 18 | | | i) | Postage, telegrams, telephones, etc. | 166 | 171 | | 402 | 447 | | 231 | 203 | | 363 | 366 | | | j) | Repairs and maintenance | 105 | 208 | | 142 | 170 | | 107 | 151 | | 106 | 157 | | | k) | Insurance | 15 | 16 | | 1802 | 17 | | 643 | 161 | | 1621 | 422 | | | l) | Other expenditure | 2019 | 1965 | | 1800 | 2033 | | 991 | 1037 | | 1788 | 1860 | | | | | | | | | | | | | | | | V. | Provisions and contingencies | 7521 | 8971 | | 13353 | 13731 | | 32357 | 4843 | | 11163 | 11033 | | | | | | | | | | | | | | | | | | Total expenses | 54998 | 64680 | | 82587 | 94073 | | 71197 | 49497 | | 85525 | 99267 | | | | | | | | | | | | | | | | VI. | Profit (loss) | 2563 | 4024 | | 5214 | 5903 | | (23031) | 7113 | | 2623 | 4025 | | | | |
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| Total (III+IV+V+VI)
| 57561
| 68704
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| 87801
| 99975
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| 48166
| 56610
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| 88148
| 103291
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Note | : | Figures in bracket indicate loss. | - | : | Nil or negligible. | Source | : | Annual accounts of banks. |
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