|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| Items | | | Punjab National | | Punjab & Sind Bank | | Syndicate Bank | | Union Bank of India | | | | Bank
| |
| |
| |
| | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
| (25)
| (26)
|
| (27)
| (28)
|
| (29)
| (30)
|
| (31)
| (32)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | 316773 | 365400 | | 65399 | 73213 | | 136792 | 159791 | | 198424 | 230224 | | | a) | Interest/discount on advances/bills | 151799 | 195412 | | 35313 | 40947 | | 60091 | 71659 | | 108651 | 129462 | | | b) | Income on investments | 142421 | 152540 | | 26911 | 29308 | | 68443 | 80198 | | 76717 | 89290 | | | c) | Interest on balances with RBI and other | 17488 | 16884 | | 2981 | 2796 | | 7723 | 5979 | | 12188 | 9839 | | | | inter-bank funds | | | | | | | | | | | | | | d) | Others | 5065 | 563 | | 194 | 162 | | 536 | 1955 | | 869 | 1632 | | | | | | | | | | | | | | | | II. | Other income | 31520 | 46879 | | 7365 | 9157 | | 14249 | 15659 | | 18820 | 19879 | | | a) | Commission, exchange, brokerage, etc. | 20775 | 24837 | | 3374 | 3563 | | 7573 | 8028 | | 9317 | 10092 | | | b) | Net profit (loss) on sale of investments | (385) | 3427 | | (93) | 590 | | 227 | 40 | | 55 | (187) | | | c) | Net profit (loss) on revaluation of investments | (26) | 614 | | 432 | - | | (142) | - | | - | - | | | d) | Net profit (loss) on sale of land, building | 61 | 65 | | 128 | 13 | | 27 | 23 | | 12 | 9 | | | | & other assets | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | 7789 | 7307 | | 1824 | 2681 | | 3506 | 3478 | | 6624 | 5516 | | | f) | Miscellaneous income | 3307 | 10629 | | 1701 | 2310 | | 3057 | 4090 | | 2812 | 4449 | | | | |
|
|
|
|
|
|
|
|
|
|
|
| Total (I+II)
| 348293
| 412279
|
| 72764
| 82370
|
| 151041
| 175450
|
| 217244
| 250103
| | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | 208901 | 243870 | | 49812 | 53456 | | 87059 | 104290 | | 128718 | 153899 | | | a) | Interest on deposits | 191999 | 234256 | | 44016 | 50990 | | 82843 | 101681 | | 124329 | 151788 | | | b) | Interest on RBI/inter-bank borrowings | 5972 | 585 | | 1910 | 1481 | | 778 | 242 | | 4363 | 1806 | | | c) | Others | 10929 | 9029 | | 3886 | 984 | | 3438 | 2367 | | 26 | 305 | | | | | | | | | | | | | | | | IV. | Operating expenses | 100964 | 106442 | | 22112 | 23250 | | 54042 | 61296 | | 57424 | 62072 | | | a) | Payments to and provisions for employees | 75784 | 81102 | | 16311 | 16614 | | 41955 | 48312 | | 38684 | 41656 | | | b) | Rent, taxes and lighting | 4145 | 4734 | | 1273 | 1419 | | 3122 | 3384 | | 3228 | 3496 | | | c) | Printing and stationery | 1529 | 1838 | | 375 | 455 | | 485 | 564 | | 1170 | 1462 | | | d) | Advertisement and publicity | 166 | 159 | | 96 | 99 | | 48 | 49 | | 301 | 444 | | | e) | Depreciation on Bank's property | 2478 | 2881 | | 899 | 917 | | 850 | 867 | | 1625 | 2841 | | | f) | Directors' fees, allowances and expenses | 13 | 16 | | 5 | 8 | | 11 | 10 | | 15 | 24 | | | g) | Auditors' fees and expenses | 388 | 310 | | 110 | 110 | | 184 | 227 | | 270 | 293 | | | h) | Law charges | 508 | 480 | | 29 | 38 | | 23 | 83 | | 192 | 299 | | | i) | Postage, telegrams, telephones, etc. | 1424 | 1576 | | 385 | 436 | | 620 | 699 | | 776 | 885 | | | j) | Repairs and maintenance | 744 | 881 | | 244 | 271 | | 298 | 379 | | 666 | 724 | | | k) | Insurance | 4514 | 4199 | | 493 | 498 | | 1967 | 1933 | | 4458 | 3767 | | | l) | Other expenditure | 9271 | 8268 | | 1892 | 2385 | | 4478 | 4788 | | 6039 | 6181 | | | | | | | | | | | | | | | | V. | Provisions and contingencies | 48020 | 38195 | | 14058 | 3663 | | 7923 | 3169 | | 23053 | 12564 | | | | | | | | | | | | | | | | | | Total expenses | 357885 | 388508 | | 85982 | 80370 | | 149024 | 168755 | | 209195 | 228535 | | | | | | | | | | | | | | | | VI. | Profit (loss) | (9592) | 23771 | | (13218) | 2000 | | 2017 | 6696 | | 8049 | 21568 | | | | |
|
|
|
|
|
|
|
|
|
|
| Total (III+IV+V+VI)
| 348293
| 412279
|
| 72764
| 82370
|
| 151041
| 175450
|
| 217244
| 250103
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| Items | | | United Bank of India | | United Commercial | | Vijaya Bank | | | |
| | Bank
| |
| | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
| (33)
| (34)
|
| (35)
| (36)
|
| (37)
| (38)
| Income | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | 82312 | 100688 | | 120343 | 130306 | | 66873 | 73280 | | | a) | Interest/discount on advances/bills | 33435 | 38408 | | 58328 | 58277 | | 32159 | 36831 | | | b) | Income on investments | 43128 | 57468 | | 51015 | 59777 | | 31389 | 33385 | | | c) | Interest on balances with RBI and other | 5379 | 4547 | | 10629 | 11059 | | 2982 | 2597 | | | | inter-bank funds | | | | | | | | | | | d) | Others | 371 | 264 | | 372 | 1193 | | 344 | 467 | | | | | | | | | | | | | II. | Other income | 9825 | 9726 | | 14465 | 12717 | | 6456 | 6332 | | | a) | Commission, exchange, brokerage, etc. | 5381 | 5870 | | 7804 | 7732 | | 2947 | 3164 | | | b) | Net profit (loss) on sale of investments | 153 | 669 | | 1482 | 378 | | 164 | 58 | | | c) | Net profit (loss) on revaluation of investments | - | 185 | | - | 391 | | - | - | | | d) | Net profit (loss) on sale of land, building | - | 6 | | - | 1 | | 18 | 11 | | | | & other assets | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | 1901 | 409 | | 1947 | 1967 | | 1746 | 1137 | | | f) | Miscellaneous income | 2390 | 2587 | | 3233 | 2248 | | 1580 | 1961 | | | | |
|
|
|
|
|
|
|
|
| Total (I+II)
| 92137
| 110414
|
| 134808
| 143022
|
| 73329
| 79612
| | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | 64759 | 80053 | | 86773 | 98682 | | 48581 | 49877 | | | a) | Interest on deposits | 62064 | 78898 | | 77543 | 96033 | | 41662 | 47923 | | | b) | Interest on RBI/inter-bank borrowings | 1360 | 168 | | 7847 | 2334 | | 2425 | 424 | | | c) | Others | 1336 | 987 | | 1383 | 315 | | 4495 | 1531 | | | | | | | | | | | | | IV. | Operating expenses | 32402 | 35858 | | 50648 | 51617 | | 24256 | 26257 | | | a) | Payments to and provisions for employees | 26552 | 29051 | | 42467 | 42258 | | 17702 | 19166 | | | b) | Rent, taxes and lighting | 1550 | 1582 | | 2586 | 2622 | | 2097 | 2419 | | | c) | Printing and stationery | 674 | 582 | | 549 | 589 | | 304 | 337 | | | d) | Advertisement and publicity | 26 | 41 | | 69 | 70 | | 140 | 32 | | | e) | Depreciation on Bank's property | 405 | 406 | | 645 | 662 | | 927 | 1226 | | | f) | Directors' fees, allowances and expenses | 11 | 15 | | 11 | 18 | | 15 | 19 | | | g) | Auditors' fees and expenses | 142 | 116 | | 180 | 309 | | 101 | 130 | | | h) | Law charges | 34 | 48 | | 55 | 90 | | 22 | 30 | | | i) | Postage, telegrams, telephones, etc. | 252 | 254 | | 254 | 268 | | 233 | 210 | | | j) | Repairs and maintenance | 268 | 354 | | 127 | 134 | | 140 | 103 | | | k) | Insurance | 396 | 521 | | 486 | 577 | | 472 | 365 | | | l) | Other expenditure | 2094 | 2888 | | 3218 | 4022 | | 2104 | 2221 | | | | | | | | | | | | | V. | Provisions and contingencies | 18423 | 5867 | | 21053 | 10347 | | 25586 | 1581 | | | | | | | | | | | | | | | Total expenses | 115584 | 121778 | | 158474 | 160646 | | 98424 | 77715 | | | | | | | | | | | | | VI. | Profit (loss) | (23447) | (11364) | | (23666) | (17623) | | (25095) | 1896 | | | | |
|
|
|
|
|
|
|
| Total (III+IV+V+VI)
| 92137
| 110414
|
| 134808
| 143022
|
| 73329
| 79612
|
Note | : | Figures in bracket indicate loss. | - | : | Nil or negligible. | Source | : | Annual accounts of banks. |
|