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Date : Jan 13, 2004

B5. Earnings and Expenses of Scheduled Commercial Banks: 2001-2002 and 2002-2003 (Part 5 of 6)

							(Amount in Rs. lakh)

			As on March 31
Items	Bank of Punjab		Bank of Rajasthan		Bharat Overseas Bank		Catholic Syrian Bank
	2002	2003	2002	2003	2002	2003	2002	2003
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I. Interest Earned	36318	35339	45260	47267	16714	17597	33670	34701
a) Interest/discount on advances/bills	18900	17633	21973	21178	8291	9166	15583	15507
b) Income on Investments	15446	16174	19012	23162	6558	7068	15115	17306
c) Interest on balances with	1700	1532	3866	2208	1865	1243	2799	1629
RBI and other inter-bank funds
d) Others	272	0	408	719	0	120	173	259
II. Other income	11730	13484	9722	12642	4946	3586	9889	12518
a) Commission, exchange and brokerage	1394	1987	2000	2265	783	827	1087	1154
b) Net Profit (loss) on sale of investments	8007	8954	5660	8377	3295	1929	7496	10144
c) Net Profit (loss) on revaluation of investments	0	-39	0	0	0	3	0	-7
d) Net Profit (loss) on sale of land, building & other assets	-22	-45	-16	-7	2	0	5	0
e) Net Profit (loss) on exchange transaction	548	800	403	469	558	526	517	417
f) Miscellaneous income	1803	1827	1675	1539	309	301	784	810
Total (I+II)	48048	48823	54981	59909	21660	21183	43559	47219
Expenditure & Provisions
III. Interest expended	27307	25461	32333	29183	11784	11543	25604	25758
a) Interest on deposits	25809	23414	31983	28730	11398	11248	25124	25190
b) Interest on RBI/inter-bank borrowings	880	1094	32	179	264	173	117	32
c) Others	618	953	318	274	123	123	363	536
IV. Operating expenses	13295	12498	14507	15868	4541	4709	8912	10284
a) Payments to and provisions for employees	1331	1659	9406	10382	2033	2149	6706	7777
b) Rent, taxes and lighting	1963	2268	1207	1329	886	826	729	839
c) Printing and stationery	639	601	165	242	69	66	138	147
d) Advertisement and publicity	788	650	88	94	53	90	17	24
e) Depreciation on Bank's property	2218	2661	1147	903	512	504	310	355
f) Directors' fees, allowances and expenses	25	38	12	15	13	12	15	20
g) Auditors' fees and expenses	52	57	50	55	15	16	18	21
h) Law charges	62	25	296	384	65	47	31	19
i) Postage, telegrams, telephones, etc.	457	428	381	422	88	85	122	106
j) Repairs and maintenance	693	1052	160	405	40	51	40	68
k) Insurance	206	263	175	269	88	79	166	182
l) Other expenditure	4860	2797	1420	1368	678	781	620	729
V. Provisions and contingencies	3873	7680	4110	8016	3059	2079	5332	6662
Total expenses @	40603	37959	46840	45051	16326	16251	34516	36042
VI. Profit (loss)	3572	3184	4031	6842	2275	2852	3712	4516
Total (III+IV+V+VI)	48048	48823	54981	59909	21660	21183	43560	47219

							(Amount in Rs. lakh)

Items	Centurion Bank		City Union Bank		Development Credit Bank		Dhanalakshmi Bank
	2002	2003	2002	2003	2002	2003	2002	2003
	(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I. Interest Earned	48218	37134	21214	23351	37738	35927	18110	18922
a) Interest/discount on advances/bills	25366	21210	11891	12938	23396	21070	10314	10800
b) Income on Investments	14815	9172	8697	9999	13566	13153	6921	7432
c) Interest on balances with	3938	3161	625	414	776	1704	743	634
RBI and other inter-bank funds
d) Others	4099	3591	1	0	0	0	132	56
II. Other income	7076	7988	4802	5386	9584	8659	5876	7016
a) Commission, exchange and brokerage	2756	3449	1341	1505	2343	2877	1129	1071
b) Net Profit (loss) on sale of investments	2891	4112	2419	2614	6570	1604	3998	5028
c) Net Profit (loss) on revaluation of investments	-7	0	0	-8	-1036	865	0	0
d) Net Profit (loss) on sale of land, building & other assets	3	-1385	2	1	-122	-434	5	20
e) Net Profit (loss) on exchange transaction	869	703	257	290	529	966	169	228
f) Miscellaneous income	564	1109	783	985	1301	2781	575	669
Total (I+II)	55294	45122	26016	28737	47323	44586	23986	25938
Expenditure & Provisions
III. Interest expended	37869	26930	15755	16711	28631	28782	13863	13596
a) Interest on deposits	29790	22337	15612	16643	26619	26812	13250	12937
b) Interest on RBI/inter-bank borrowings	1738	607	86	31	1834	1596	170	63
c) Others	6341	3986	57	37	178	374	443	596
IV. Operating expenses	15984	16023	3755	3993	8347	9833	5064	5990
a) Payments to and provisions for employees	1983	2482	2313	2352	3420	4234	3402	3936
b) Rent, taxes and lighting	1302	1573	279	338	701	877	478	547
c) Printing and stationery	506	455	85	89	188	298	90	98
d) Advertisement and publicity	297	343	32	59	96	207	83	158
e) Depreciation on Bank's property	6087	4875	265	294	1664	1570	323	467
f) Directors' fees, allowances and expenses	6	4	7	12	81	62	12	12
g) Auditors' fees and expenses	30	23	7	9	35	41	12	15
h) Law charges	159	86	3	3	23	41	3	3
i) Postage, telegrams, telephones, etc.	501	436	110	124	117	241	91	78
j) Repairs and maintenance	1248	1327	59	43	192	266	48	71
k) Insurance	241	221	112	131	125	160	77	87
l) Other expenditure	3624	4198	483	538	1704	1837	445	518
V. Provisions and contingencies	10842	4705	3663	4696	6941	2517	4052	4850
Total expenses @	53853	42953	19510	20704	36977	38615	18927	19586
VI. Profit (loss)	-9401	-2536	2843	3337	3405	3453	1007	1502
Total (III+IV+V+VI)	55294	45122	26016	28737	47323	44586	23986	25938

							(Amount in Rs. lakh)

Items	Federal Bank		Ganesh Bank of Kurundwad		Global Trust Bank		HDFC Bank
	2002	2003	2002	2003	2002	2003	2002	2003
	(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

Income
I. Interest Earned	104240	111146	1925	1898	72422	53960	170299	202297
a) Interest/discount on advances/bills	63603	66001	1210	1188	39647	32087	62393	78668
b) Income on Investments	38545	42308	480	482	31047	20678	86397	111295
c) Interest on balances with	2035	2776	57	33	1377	1099	21396	12044
RBI and other inter-bank funds						0
d) Others	56	62	178	196	350	96	113	290
II. Other income	22042	23443	276	487	22923	19136	33325	47310
a) Commission, exchange and brokerage	4517	4954	60	56	4529	4268	16448	24181
b) Net Profit (loss) on sale of investments	13050	14356	188	389	10917	10343	10383	13246
c) Net Profit (loss) on revaluation of investments	-425	-845	0	0	0	-88	0	0
d) Net Profit (loss) on sale of land, building & other assets	11	23	0	0	1952	-23	-81	108
e) Net Profit (loss) on exchange transaction	1321	1715	0	0	1310	1522	3914	4453
f) Miscellaneous income	3568	3241	28	42	4216	3114	2661	5322
Total (I+II)	126281	134589	2201	2385	95346	73095	203624	249607
Expenditure & Provisions
III. Interest expended	76615	77228	1586	1599	63585	51741	107374	119196
a) Interest on deposits	70507	72918	1579	1595	57883	48022	91552	106329
b) Interest on RBI/inter-bank borrowings	1052	429	6	4	1463	121	13285	10329
c) Others	5055	3881	0	0	4239	3598	2537	2538
IV. Operating expenses	19126	22212	397	452	16958	17710	41795	59183
a) Payments to and provisions for employees	12096	13943	233	254	3565	4204	10924	15195
b) Rent, taxes and lighting	1755	2097	24	25	2234	2802	5775	7726
c) Printing and stationery	295	345	9	10	443	462	1772	2753
d) Advertisement and publicity	125	254	1	1	985	542	1878	1751
e) Depreciation on Bank's property	1834	1926	66	81	5124	4462	6902	10614
f) Directors' fees, allowances and expenses	16	24	1	1	18	15	5	4
g) Auditors' fees and expenses	114	152	1	1	37	72	22	26
h) Law charges	44	71	7	13	64	206	21	42
i) Postage, telegrams, telephones, etc.	148	304	11	11	993	921	3706	5192
j) Repairs and maintenance	325	452	2	3	902	1021	3472	4567
k) Insurance	414	513	9	10	410	430	836	1226
l) Other expenditure	1961	2130	33	44	2182	2575	6482	10087
V. Provisions and contingencies	22339	24648	123	215	10777	30914	24751	32468
Total expenses @	95741	99440	1983	2051	80543	69451	149169	178379
VI. Profit (loss)	8201	10501	96	119	4026	(27270)	29704	38760
Total (III+IV+V+VI)	126281	134589	2201	2385	95346	73095	203624	249607

							(Amount in Rs. lakh)

Items	ICICI Bank		IDBI Bank		IndusInd Bank		ING Vysya Bank
	2002	2003	2002	2003	2002	2003	2002	2003
	(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

Income
I. Interest Earned	215193	936806	50932	59808	71006	74295	92260	90450
a) Interest/discount on advances/bills	77167	601624	24976	36848	42848	46703	44971	48986
b) Income on Investments	123380	291044	23521	21077	25471	24405	35903	33891
c) Interest on balances with	12262	23557	1234	840	2687	3140	10624	6488
RBI and other inter-bank funds
d) Others	2384	20580	1201	1043	0	48	762	1085
II. Other income	57466	315883	12254	16506	18437	25775	28133	35832
a) Commission, exchange and brokerage	22978	79179	4222	8191	2630	2341	8438	10123
b) Net Profit (loss) on sale of investments	30571	168338	5540	4531	12076	19280	15962	20690
c) Net Profit (loss) on revaluation of investments	-1460	11	0	0	0	0	0	0
d) Net Profit (loss) on sale of land, building & other assets	-6	-650	-75	-39	0	-12	46	36
e) Net Profit (loss) on exchange transaction	3730	1024	918	2065	1366	1415	1761	1875
f) Miscellaneous income	1653	67981	1649	1757	2365	2750	1926	3107
Total (I+II)	272659	1252688	63186	76314	89443	100070	120393	126282
Expenditure & Provisions
III. Interest expended	155892	794400	36572	39645	54723	55848	74043	68757
a) Interest on deposits	138893	247971	27420	32471	46996	51078	66846	63509
b) Interest on RBI/inter-bank borrowings	4784	18337	3870	2939	2924	1119	5777	2012
c) Others	12216	528092	5282	4235	4803	3651	1420	3235
IV. Operating expenses	62258	201169	14301	20657	9472	11792	25906	33339
a) Payments to and provisions for employees	14718	40302	3973	5510	2029	2827	13966	17315
b) Rent, taxes and lighting	6628	11158	2519	2921	1915	1584	2131	2224
c) Printing and stationery	3530	7472	602	841	225	295	466	612
d) Advertisement and publicity	797	5818	220	759	170	495	114	254
e) Depreciation on Bank's property	6409	50594	2303	2694	2068	2525	2970	4997
f) Directors' fees, allowances and expenses	16	13	11	9	30	17	42	37
g) Auditors' fees and expenses	31	150	15	16	41	53	48	65
h) Law charges	151	852	50	137	138	267	74	112
i) Postage, telegrams, telephones, etc.	3772	10415	1072	1596	603	721	779	1116
j) Repairs and maintenance	7833	14487	863	1257	531	683	1153	1451
k) Insurance	1415	2518	362	479	335	403	466	580
l) Other expenditure	16958	57391	2311	4438	1387	1922	3697	4577
V. Provisions and contingencies	28679	136501	7071	8901	20173	23413	13569	15551
Total expenses @	218150	995569	50873	60302	64195	67639	99949	102096
VI. Profit (loss)	25830	120618	5242	7110	5075	9017	6875	8635
Total (III+IV+V+VI)	272659	1252688	63186	76314	89443	100070	120393	126282

							(Amount in Rs. lakh)

Items	Jammu & Kashmir Bank		Karnataka Bank		Karur Vysya Bank		Lakshmi Vilas Bank
	2002	2003	2002	2003	2002	2003	2002	2003
	(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

Income
I. Interest Earned	135374	142736	74324	81147	48230	51561	27150	27098
a) Interest/discount on advances/bills	63955	75985	38909	39994	25348	30286	17172	17618
b) Income on Investments	65159	62541	31753	38975	19160	16630	8803	8930
c) Interest on balances with	6260	4211	3542	1904	3698	4554	1081	522
RBI and other inter-bank funds
d) Others	0	0	120	274	24	91	95	28
II. Other income	25712	28720	24102	23923	10471	13246	8597	8423
a) Commission, exchange and brokerage	2807	3487	4561	4816	4491	5029	3209	2755
b) Net Profit (loss) on sale of investments	18247	21408	17974	17375	4732	6804	3436	4521
c) Net Profit (loss) on revaluation of investments	1929	0	0	0	0	0	0	0
d) Net Profit (loss) on sale of land, building & other assets	0	0	-21	-8	1	-9	-1	-2
e) Net Profit (loss) on exchange transaction	421	480	1032	1213	659	737	427	327
f) Miscellaneous income	2308	3345	556	528	588	686	1527	823
Total (I+II)	161086	171456	98426	105070	58701	64807	35748	35521
Expenditure & Provisions
III. Interest expended	91539	90095	60276	65661	31773	34655	20973	20276
a) Interest on deposits	87944	86548	59244	64455	30097	32892	20081	19507
b) Interest on RBI/inter-bank borrowings	2573	2525	653	820	605	943	519	289
c) Others	1022	1022	379	386	1071	819	374	480
IV. Operating expenses	23422	25988	13062	14072	10753	10410	7038	7240
a) Payments to and provisions for employees	14421	15847	8897	8921	5310	6010	3999	4301
b) Rent, taxes and lighting	1362	1618	904	1111	571	662	586	636
c) Printing and stationery	376	278	159	186	166	183	131	115
d) Advertisement and publicity	441	322	60	158	161	376	120	57
e) Depreciation on Bank's property	2409	2973	1185	1495	1104	1090	508	483
f) Directors' fees, allowances and expenses	21	13	13	13	22	32	19	23
g) Auditors' fees and expenses	146	173	32	34	16	21	16	16
h) Law charges	13	22	10	10	9	10	9	14
i) Postage, telegrams, telephones, etc.	223	219	181	224	400	533	256	240
j) Repairs and maintenance	170	207	238	345	174	236	36	30
k) Insurance	341	534	352	427	190	251	140	140
l) Other expenditure	3500	3783	1031	1148	2630	1007	1217	1184
V. Provisions and contingencies	20144	21597	15975	14325	5324	7245	4714	4589
Total expenses @	114962	116083	73338	79733	42526	45064	28011	27516
VI. Profit (loss)	25980	33775	9113	11012	10851	12497	3022	3416
Total (III+IV+V+VI)	161086	171456	98426	105070	58701	64807	35748	35521