|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| Items | | | Allahabad Bank
| | Andhra Bank
| | Bank of Baroda
| | Bank of India
| | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
| (1)
| (2)
|
| (3)
| (4)
|
| (5)
| (6)
|
| (7)
| (8)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | 109337 | 127822 | | 66940 | 78725 | | 353018 | 376175 | | 289029 | 351339 | | | a) | Interest/discount on advances/bills | 58932 | 68609 | | 33694 | 38335 | | 220349 | 223651 | | 172503 | 223389 | | | b) | Income on investments | 41175 | 51465 | | 27669 | 34572 | | 101520 | 114912 | | 96899 | 109606 | | | c) | Interest on balances with RBI and other | 6359 | 5771 | | 5574 | 5793 | | 20903 | 32413 | | 19022 | 14129 | | | | inter-bank funds | | | | | | | | | | | | | | d) | Others | 2870 | 1977 | | 3 | 25 | | 10245 | 5199 | | 606 | 4215 | | | | | | | | | | | | | | | | II. | Other income | 14893 | 18096 | | 7749 | 9838 | | 46619 | 45864 | | 42091 | 49016 | | | a) | Commission, exchange, brokerage, etc. | 10289 | 12435 | | 4926 | 5168 | | 33860 | 24423 | | 23745 | 25477 | | | b) | Net profit (loss) on sale of investments | 103 | 395 | | (48) | 17 | | (228) | 1396 | | 359 | 1062 | | | c) | Net profit (loss) on revaluation of investments | - | 289 | | 154 | 117 | | - | 343 | | - | 269 | | | d) | Net profit (loss) on sale of land, building | - | - | | 10 | 15 | | 37 | 68 | | (24) | 1 | | | | & other assets | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | 2822 | 2909 | | 1220 | 1185 | | 4738 | 8545 | | 8257 | 7372 | | | f) | Miscellaneous income | 1679 | 2069 | | 1640 | 3335 | | 8213 | 11090 | | 9753 | 14835 | | | | |
|
|
|
|
|
|
|
|
|
|
|
| Total (I+II)
| 124231
| 145918
|
| 74689
| 88562
|
| 399637
| 422039
|
| 331120
| 400356
| | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | 76168 | 87670 | | 45501 | 54108 | | 224963 | 255181 | | 193850 | 237325 | | | a) | Interest on deposits | 69991 | 85172 | | 41074 | 51905 | | 205387 | 237424 | | 179657 | 223057 | | | b) | Interest on RBI/inter-bank borrowings | 1703 | 137 | | 4387 | 2187 | | 9750 | 2083 | | 14076 | 14085 | | | c) | Others | 4474 | 2361 | | 39 | 16 | | 9826 | 15673 | | 117 | 183 | | | | | | | | | | | | | | | | IV. | Operating expenses | 37741 | 39822 | | 23021 | 25699 | | 86947 | 89215 | | 89884 | 105081 | | | a) | Payments to and provisions for employees | 25572 | 26377 | | 16663 | 18618 | | 54942 | 60595 | | 65750 | 71426 | | | b) | Rent, taxes and lighting | 3524 | 3992 | | 1084 | 1250 | | 6875 | 7674 | | 6900 | 7657 | | | c) | Printing and stationery | 561 | 583 | | 369 | 454 | | 2159 | 1968 | | 1594 | 1698 | | | d) | Advertisement and publicity | 62 | 112 | | 59 | 57 | | 251 | 321 | | 333 | 411 | | | e) | Depreciation on Bank's property | 935 | 990 | | 646 | 741 | | 2853 | 3197 | | 2504 | 4759 | | | f) | Directors' fees, allowances and expenses | - | - | | 6 | 7 | | 28 | 30 | | 4 | 7 | | | g) | Auditors' fees and expenses | 112 | 119 | | 133 | 109 | | 530 | 599 | | 508 | 484 | | | h) | Law charges | 222 | 220 | | 100 | 62 | | 1377 | 1125 | | 1319 | 2764 | | | i) | Postage, telegrams, telephones, etc. | 613 | 680 | | 305 | 322 | | 1413 | 1193 | | 915 | 771 | | | j) | Repairs and maintenance | 319 | 400 | | 370 | 444 | | 1577 | 1791 | | 1210 | 1358 | | | k) | Insurance | 2941 | 2784 | | 1173 | 1072 | | 6123 | 2044 | | 1161 | 1528 | | | l) | Other expenditure | 2878 | 3564 | | 2114 | 2564 | | 8820 | 8679 | | 7687 | 12219 | | | | | | | | | | | | | | | | V. | Provisions and contingencies | 9759 | 11996 | | 5059 | 5185 | | 67300 | 49990 | | 19738 | 21948 | | | | | | | | | | | | | | | | | | Total expenses | 123668 | 139488 | | 73582 | 84993 | | 379210 | 394386 | | 303472 | 364354 | | | | | | | | | | | | | | | | VI. | Profit (loss) | 562 | 6430 | | 1108 | 3570 | | 20427 | 27653 | | 27648 | 36002 | | | | |
|
|
|
|
|
|
|
|
|
|
| Total (III+IV+V+VI)
| 124231
| 145918
|
| 74689
| 88562
|
| 399637
| 422039
|
| 331120
| 400356
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| Items | | | Bank of Maharashtra
| | Canara Bank
| | Central Bank of India
| | Corporation Bank
| | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
| (9)
| (10)
|
| (11)
| (12)
|
| (13)
| (14)
|
| (15)
| (16)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | 74198 | 85786 | | 294808 | 341380 | | 215265 | 253092 | | 66560 | 82811 | | | a) | Interest/discount on advances/bills | 34197 | 40379 | | 169604 | 197175 | | 115330 | 128886 | | 30760 | 40217 | | | b) | Income on investments | 34433 | 41774 | | 105099 | 122014 | | 84589 | 108884 | | 28652 | 36554 | | | c) | Interest on balances with RBI and other | 5198 | 3478 | | 18155 | 21498 | | 12575 | 11401 | | 5973 | 3978 | | | | inter-bank funds | | | | | | | | | | | | | | d) | Others | 370 | 155 | | 1950 | 692 | | 2771 | 3922 | | 1175 | 2061 | | | | | | | | | | | | | | | | II. | Other income | 7722 | 7997 | | 46723 | 45502 | | 27005 | 30486 | | 10971 | 11161 | | | a) | Commission, exchange, brokerage, etc. | 5969 | 6345 | | 24727 | 24629 | | 19499 | 19902 | | 6107 | 7329 | | | b) | Net profit (loss) on sale of investments | 413 | 61 | | (2133) | 2245 | | 735 | 5389 | | 828 | 202 | | | c) | Net profit (loss) on revaluation of investments | (4) | - | | 725 | 885 | | (105) | 53 | | - | - | | | d) | Net profit (loss) on sale of land, building | 32 | 8 | | 34 | 49 | | 34 | 30 | | 7 | 7 | | | | & other assets | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | 1136 | 1410 | | 12543 | 8092 | | 5051 | 3516 | | 1835 | 1328 | | | f) | Miscellaneous income | 176 | 172 | | 11552 | 9602 | | 1791 | 1596 | | 2194 | 2296 | | | | |
|
|
|
|
|
|
|
|
|
|
|
| Total (I+II)
| 81920
| 93783
|
| 341530
| 386882
|
| 242270
| 283578
|
| 77531
| 93972
| | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | 46210 | 53580 | | 187700 | 227788 | | 142274 | 169515 | | 40726 | 51114 | | | a) | Interest on deposits | 41693 | 50933 | | 158911 | 214847 | | 131522 | 167076 | | 37815 | 49291 | | | b) | Interest on RBI/inter-bank borrowings | 2683 | 635 | | 15880 | 5370 | | 4037 | 763 | | 1701 | 230 | | | c) | Others | 1834 | 2013 | | 12909 | 7571 | | 6715 | 1676 | | 1211 | 1593 | | | | | | | | | | | | | | | | IV. | Operating expenses | 29062 | 29865 | | 85368 | 93673 | | 78907 | 84104 | | 15195 | 18263 | | | a) | Payments to and provisions for employees | 23635 | 23757 | | 58718 | 64086 | | 62272 | 64755 | | 9426 | 11447 | | | b) | Rent, taxes and lighting | 1673 | 1721 | | 7665 | 8667 | | 3948 | 4148 | | 1125 | 1382 | | | c) | Printing and stationery | 323 | 429 | | 1445 | 2474 | | 985 | 1329 | | 384 | 457 | | | d) | Advertisement and publicity | 47 | 72 | | 600 | 685 | | 113 | 137 | | 361 | 312 | | | e) | Depreciation on Bank's property | 748 | 873 | | 3601 | 4486 | | 1157 | 1592 | | 746 | 1182 | | | f) | Directors' fees, allowances and expenses | 13 | 14 | | 11 | 18 | | 6 | 11 | | 12 | 14 | | | g) | Auditors' fees and expenses | 131 | 130 | | 376 | 425 | | 263 | 295 | | 92 | 129 | | | h) | Law charges | 54 | 65 | | 216 | 118 | | 135 | 671 | | 30 | 24 | | | i) | Postage, telegrams, telephones, etc. | 288 | 310 | | 1295 | 1297 | | 510 | 353 | | 606 | 648 | | | j) | Repairs and maintenance | 205 | 255 | | 1188 | 1474 | | 552 | 645 | | 280 | 361 | | | k) | Insurance | 851 | 825 | | 1806 | 1389 | | 899 | 1043 | | 270 | 350 | | | l) | Other expenditure | 1094 | 1415 | | 8446 | 8554 | | 8066 | 9126 | | 1863 | 1957 | | | | | | | | | | | | | | | | V. | Provisions and contingencies | 5389 | 5611 | | 43211 | 50680 | | 28442 | 14876 | | 11135 | 12082 | | | | | | | | | | | | | | | | | | Total expenses | 80660 | 89056 | | 316278 | 372142 | | 249623 | 268495 | | 67056 | 81459 | | | | | | | | | | | | | | | | VI. | Profit (loss) | 1260 | 4726 | | 25252 | 14740 | | (7354) | 15083 | | 10474 | 12513 | | | | |
|
|
|
|
|
|
|
|
|
|
| Total (III+IV+V+VI)
| 81920
| 93783
|
| 341530
| 386882
|
| 242270
| 283578
|
| 77531
| 93972
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| Items | | | Dena Bank | | Indian Bank | | Indian Overseas | | Oriental Bank of | | | | |
| |
| | Bank
| | Commerce
| | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
| (17)
| (18)
|
| (19)
| (20)
|
| (21)
| (22)
|
| (23)
| (24)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | 81941 | 101444 | | 150287 | 156316 | | 159686 | 185943 | | 102595 | 125054 | | | a) | Interest/discount on advances/bills | 46764 | 57961 | | 93841 | 93488 | | 81674 | 99802 | | 57451 | 70762 | | | b) | Income on investments | 30879 | 40633 | | 49775 | 57637 | | 64661 | 69643 | | 39373 | 49355 | | | c) | Interest on balances with RBI and other | 4278 | 2701 | | 6671 | 5191 | | 12128 | 14532 | | 4978 | 3650 | | | | inter-bank funds | | | | | | | | | | | | | | d) | Others | 20 | 149 | | - | - | | 1223 | 1965 | | 793 | 1287 | | | | | | | | | | | | | | | | II. | Other income | 9855 | 11015 | | 19143 | 21710 | | 13700 | 19165 | | 10081 | 10438 | | | a) | Commission, exchange, brokerage, etc. | 5994 | 5899 | | 7874 | 6847 | | 10086 | 11183 | | 6541 | 6634 | | | b) | Net profit (loss) on sale of investments | 150 | 683 | | 1100 | 1671 | | (1048) | 1030 | | 150 | 223 | | | c) | Net profit (loss) on revaluation of investments | - | - | | (92) | 417 | | (5) | - | | - | 78 | | | d) | Net profit (loss) on sale of land, building | 12 | 7 | | 23 | 20 | | 259 | 103 | | 7 | 4 | | | | & other assets | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | 1779 | 1800 | | 7743 | 7300 | | 1686 | 4615 | | 2861 | 2853 | | | f) | Miscellaneous income | 1920 | 2625 | | 2494 | 5454 | | 2721 | 2235 | | 522 | 646 | | | | |
|
|
|
|
|
|
|
|
|
|
|
| Total (I+II)
| 91796
| 112459
|
| 169430
| 178026
|
| 173386
| 205108
|
| 112676
| 135493
| | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | 51920 | 64005 | | 141061 | 144203 | | 121351 | 143212 | | 62574 | 80087 | | | a) | Interest on deposits | 46407 | 57881 | | 86138 | 105219 | | 89043 | 123747 | | 59012 | 78168 | | | b) | Interest on RBI/inter-bank borrowings | 1974 | 1457 | | 26248 | 11124 | | 21728 | 5938 | | 2446 | 734 | | | c) | Others | 3539 | 4667 | | 28674 | 27859 | | 10580 | 13527 | | 1117 | 1185 | | | | | | | | | | | | | | | | IV. | Operating expenses | 25327 | 29050 | | 50738 | 47659 | | 49840 | 48951 | | 22488 | 25337 | | | a) | Payments to and provisions for employees | 18567 | 21165 | | 36288 | 35184 | | 37417 | 36840 | | 14185 | 15431 | | | b) | Rent, taxes and lighting | 1638 | 1883 | | 3317 | 3490 | | 3403 | 3798 | | 2542 | 3147 | | | c) | Printing and stationery | 505 | 555 | | 858 | 807 | | 679 | 682 | | 522 | 532 | | | d) | Advertisement and publicity | 160 | 133 | | 416 | 89 | | 215 | 139 | | 70 | 49 | | | e) | Depreciation on Bank's property | 593 | 769 | | 1494 | 1654 | | 1257 | 1434 | | 1045 | 1231 | | | f) | Directors' fees, allowances and expenses | 12 | 16 | | 13 | 11 | | 16 | 20 | | 11 | 17 | | | g) | Auditors' fees and expenses | 118 | 171 | | 250 | 269 | | 224 | 208 | | 109 | 128 | | | h) | Law charges | 117 | 86 | | 73 | 48 | | 60 | 130 | | 237 | 274 | | | i) | Postage, telegrams, telephones, etc. | 312 | 372 | | 426 | 384 | | 1067 | 591 | | 465 | 529 | | | j) | Repairs and maintenance | 491 | 506 | | 869 | 971 | | 216 | 162 | | 303 | 323 | | | k) | Insurance | 1251 | 1282 | | 777 | 799 | | 1255 | 1019 | | 360 | 672 | | | l) | Other expenditure | 1564 | 2113 | | 5957 | 3954 | | 4031 | 3927 | | 2640 | 3001 | | | | | | | | | | | | | | | | V. | Provisions and contingencies | 9380 | 12113 | | 111272 | 25073 | | 1875 | 2493 | | 10335 | 12045 | | | | | | | | | | | | | | | | | | Total expenses | 86627 | 105168 | | 303071 | 216935 | | 173066 | 194656 | | 95397 | 117468 | | | | | | | | | | | | | | | | VI. | Profit (loss) | 5169 | 7291 | | (133640) | (38909) | | 320 | 10451 | | 17279 | 18025 | | | | |
|
|
|
|
|
|
|
|
|
|
| Total (III+IV+V+VI)
| 91796
| 112459
|
| 169430
| 178026
|
| 173386
| 205108
|
| 112676
| 135493
|
Note | : | Figures in bracket indicate loss. | - | : | Nil or negligible. | Source | : | Annual accounts of banks. |
|