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Date : May 11, 1999

Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 4 of 26)

OTHER SCHEDULED COMMERCIAL BANKS

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Bank of Madura		Bank of Punjab		Bank of		Bareilly Corporation
							Rajasthan		Bank
			1996	1997	1996	1997	1996	1997	1996	1997
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
Income

I.	Interest earned		18701	24777	2796	8067	29174	36507	2681	3213
	a)	Interest/discount on advances/bills	12366	16581	1157	4475	16464	21663	1020	1222
	b)	Income on investments	5422	6306	675	3302	11307	12500	1144	1500
	c)	Interest on balances with RBI and other	691	1891	961	291	1245	1949	516	491
		inter-bank funds
	d)	Others	223	-	3	-	159	394	-	-

II.	Other income		5156	5215	489	2313	4078	4278	302	300
	a)	Commission, exchange, brokerage, etc.	1452	2189	262	323	2148	2023	235	218
	b)	Net profit (loss) on sale of investments	255	631	20	391	(1054)	(114)	1	-
	c)	Net profit (loss) on revaluation of investments	-	-	-	41	(25)	31	6	7
	d)	Net profit (loss) on sale of land, building	5	12	-	-	6	3	-	-
		& other assets
	e)	Net profit (loss) on exchange transaction	885	118	134	726	590	550	-	-
	f)	Miscellaneous income	2560	2265	73	833	2414	1786	66	75

	Total (I+II)		23858	29993	3285	10381	33252	40786	2983	3513

Expenditure & Provisions

III.	Interest expended		13364	16927	690	5377	20145	26627	1691	2218
	a)	Interest on deposits	9980	13997	679	5321	18412	26232	1671	2211
	b)	Interest on RBI/inter-bank borrowings	2905	2267	11	56	1732	240	20	7
	c)	Others	479	663	-	-	1	156	-	-

IV.	Operating expenses		6820	7965	959	2425	7346	8902	1206	1243
	a)	Payments to and provisions for employees	3830	3853	156	373	4774	5320	930	971
	b)	Rent, taxes and lighting	347	440	153	329	388	560	74	81
	c)	Printing and stationery	103	138	51	129	123	167	14	16
	d)	Advertisement and publicity	173	96	78	163	105	96	1	3
	e)	Depreciation on Bank's property	1400	2067	75	613	314	1306	17	16
	f)	Directors' fees, allowances and expenses	2	2	14	21	11	14	1	1
	g)	Auditors' fees and expenses	7	8	8	7	19	20	2	3
	h)	Law charges	34	24	-	-	26	33	41	13
	i)	Postage, telegrams, telephones, etc.	109	144	52	149	203	223	21	23
	j)	Repairs and maintenance	76	100	16	56	34	77	4	3
	k)	Insurance	63	77	18	38	13	183	14	17
	l)	Other expenditure	676	1017	338	546	1336	902	89	96

V.	Provisions and contingencies		2561	2524	300	335	1095	4466	499	27

	Total expenses		22745	27415	1949	8136	28586	39995	3396	3488

VI.	Profit (loss)		1113	2577	1336	2244	4666	791	(413)	25

Total (III+IV+V+VI)			23858	29993	3285	10381	33252	40786	2983	3513

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Benares State		Bharat Overseas		Catholic Syrian			Centurion
			Bank		Bank		Bank			Bank
			1996	1997	1996	1997	1996	1997		1996	1997
			(9)	(10)	(11)	(12)	(13)	(14)		(15)	(16)
Income

I.	Interest earned		4933	6287	8648	9353	16822		21634	4015	10420
	a)	Interest/discount on advances/bills	1821	2727	5634	6666	11056		15458	2745	8120
	b)	Income on investments	2338	2938	2193	2236	5122		5626	587	1829
	c)	Interest on balances with RBI and other	774	622	821	452	538		461	483	117
		inter-bank funds
	d)	Others	-	-	-	-	106		89	200	354

II.	Other income		893	1374	1180	1036	2130		1978	418	975
	a)	Commission, exchange, brokerage, etc.	261	217	526	486	559		643	204	462
	b)	Net profit (loss) on sale of investments	-	277	1	1	406		173	173	155
	c)	Net profit (loss) on revaluation of investments	-	-	-	-	(3)		-	(25)	-
	d)	Net profit (loss) on sale of land, building	1	-	1	4	2		8	-	-
		& other assets
	e)	Net profit (loss) on exchange transaction	20	126	602	506	354		165	64	-
	f)	Miscellaneous income	610	753	51	38	809		990	2	358

	Total (I+II)		5826	7661	9828	10389	18953		23612	4433	11395

Expenditure & Provisions

III.	Interest expended		3557	4726	5476	6380	12143		16493	2301	6816
	a)	Interest on deposits	3390	4706	5239	6130	11239		15757	1920	5794
	b)	Interest on RBI/inter-bank borrowings	144	15	87	99	399		170	228	990
	c)	Others	23	6	150	150	505		566	153	32

IV.	Operating expenses		2088	2265	2371	2270	4834		5719	1092	1860
	a)	Payments to and provisions for employees	1474	1528	1341	1159	3448		3590	123	238
	b)	Rent, taxes and lighting	94	170	343	399	371		481	255	409
	c)	Printing and stationery	33	31	28	43	112		154	30	49
	d)	Advertisement and publicity	18	14	67	81	67		55	30	56
	e)	Depreciation on Bank's property	83	95	111	110	185		735	183	375
	f)	Directors' fees, allowances and expenses	12	6	4	4	7		14	1	1
	g)	Auditors' fees and expenses	14	15	8	7	6		8	3	4
	h)	Law charges	49	19	4	8	5		7	1	1
	i)	Postage, telegrams, telephones, etc.	50	46	57	70	162		152	63	73
	j)	Repairs and maintenance	13	32	17	21	22		30	29	103
	k)	Insurance	83	50	33	34	63		80	8	20
	l)	Other expenditure	167	259	357	335	386		412	366	531

V.	Provisions and contingencies		1962	524	1031	708	1939		1000	(20)	1165

	Total expenses		7607	7516	8878	9357	18915		23212	3373	9841

VI.	Profit (loss)		(1782)	145	951	1032	37		400	1060	1554

Total (III+IV+V+VI)			5826	7661	9828	10389	18953		23612	4433	11395

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			City Union		Development Credit		Dhanalakshmi		Federal
			Bank		Bank		Bank		Bank
			1996	1997	1996	1997	1996	1997	1996	1997
			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)
Income

I.	Interest earned		7508	9850	8845	12736	8427	12466	42314	58750
	a)	Interest/discount on advances/bills	5461	7338	5572	8755	6008	8609	28544	38448
	b)	Income on investments	1734	2179	2451	3719	2144	3023	12176	15057
	c)	Interest on balances with RBI and other	183	151	823	262	270	827	1475	4583
		inter-bank funds
	d)	Others	130	182	-	-	5	6	119	661

II.	Other income		1403	1819	625	2470	702	1235	8425	7148
	a)	Commission, exchange, brokerage, etc.	750	948	381	618	531	900	1840	2147
	b)	Net profit (loss) on sale of investments	35	2	-	653	8	136	(94)	638
	c)	Net profit (loss) on revaluation of investments	-	-	-	-	-	-	(8)	269
	d)	Net profit (loss) on sale of land, building	2	2	-	40	8	1	9	7
		& other assets
	e)	Net profit (loss) on exchange transaction	286	389	-	65	-	-	1325	1285
	f)	Miscellaneous income	330	479	244	1095	155	198	5352	2802

	Total (I+II)		8911	11669	9471	15206	9129	13700	50739	65898

Expenditure & Provisions

III.	Interest expended		5056	7243	4273	8058	5849	9620	31687	47208
	a)	Interest on deposits	4253	6680	4266	7956	5366	8905	28082	45584
	b)	Interest on RBI/inter-bank borrowings	507	238	6	102	203	188	2584	352
	c)	Others	296	325	-	-	279	527	1021	1273

IV.	Operating expenses		1692	2060	2375	3989	2061	2433	10511	11277
	a)	Payments to and provisions for employees	1085	1223	1153	1828	1466	1485	6659	6740
	b)	Rent, taxes and lighting	88	106	148	217	126	231	492	652
	c)	Printing and stationery	58	74	76	118	65	70	152	182
	d)	Advertisement and publicity	44	39	53	79	122	73	157	124
	e)	Depreciation on Bank's property	116	224	415	1000	75	139	1612	1905
	f)	Directors' fees, allowances and expenses	1	1	4	18	-	1	9	19
	g)	Auditors' fees and expenses	2	3	7	9	2	3	33	56
	h)	Law charges	-	-	44	60	1	60	13	16
	i)	Postage, telegrams, telephones, etc.	69	80	32	62	52	68	151	166
	j)	Repairs and maintenance	20	23	74	69	12	27	88	186
	k)	Insurance	32	41	38	46	27	35	140	192
	l)	Other expenditure	177	245	331	485	113	241	1004	1040

V.	Provisions and contingencies		1209	1256	685	904	748	856	4023	2789

	Total expenses		7957	10559	7333	12951	8657	12909	46221	61275

VI.	Profit (loss)		954	1111	2138	2255	472	791	4518	4623

Total (III+IV+V+VI)			8911	11669	9471	15206	9129	13700	50739	65898

Note		: Figures in bracket indicate loss.
-		: Nil or negligible.
Source		: Annual accounts of banks.