| |
|
|
|
|
|
|
(Amount in Rs. lakh)
|
|
|
Items
|
Lord Krishna Bank
|
Nainital Bank
|
Nedungadi Bank #
|
Ratnakar Bank
|
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
|
(41)
|
(42)
|
(43)
|
(44)
|
(45)
|
(46)
|
(47)
|
(48)
|
|
|
Income
|
|
|
|
|
|
|
|
|
|
I. Interest Earned
|
14413
|
15552
|
6325
|
6738
|
15534
|
|
6420
|
6498
|
|
a) Interest/discount on advances/bills
|
7574
|
8622
|
1508
|
1742
|
8709
|
|
3572
|
3803
|
|
b) Income on Investments
|
6254
|
6375
|
3649
|
3687
|
6343
|
|
2264
|
2241
|
|
c) Interest on balances with
|
524
|
534
|
1164
|
1305
|
476
|
|
577
|
453
|
|
RBI and other inter-bank funds
|
|
|
|
|
|
|
|
|
|
d) Others
|
61
|
21
|
4
|
3
|
6
|
|
7
|
0
|
|
II. Other income
|
7532
|
6737
|
342
|
476
|
7004
|
|
2678
|
1936
|
|
a) Commission, exchange and brokerage
|
882
|
824
|
180
|
162
|
892
|
|
196
|
221
|
|
b) Net Profit (loss) on sale of investments
|
6054
|
4796
|
20
|
170
|
5218
|
|
2238
|
1502
|
|
c) Net Profit (loss) on revaluation of investments
|
0
|
0
|
0
|
0
|
0
|
|
0
|
0
|
|
d) Net Profit (loss) on sale of land, building & other assets
|
0
|
1
|
0
|
0
|
2
|
|
5
|
0
|
|
e) Net Profit (loss) on exchange transaction
|
0
|
258
|
0
|
0
|
346
|
|
0
|
0
|
|
f) Miscellaneous income
|
596
|
859
|
142
|
145
|
546
|
|
238
|
214
|
|
Total (I+II)
|
21945
|
22289
|
6666
|
7214
|
22538
|
|
9098
|
8434
|
|
Expenditure & Provisions
|
|
|
|
|
|
|
|
|
|
III. Interest expended
|
13087
|
12918
|
3761
|
3897
|
14534
|
|
4445
|
4506
|
|
a) Interest on deposits
|
12207
|
12472
|
3760
|
3894
|
14062
|
|
4384
|
4469
|
|
b) Interest on RBI/inter-bank borrowings
|
241
|
81
|
0
|
1
|
13
|
|
60
|
37
|
|
c) Others
|
639
|
364
|
1
|
1
|
459
|
|
0
|
0
|
|
IV. Operating expenses
|
3806
|
4235
|
1691
|
2159
|
4538
|
|
2131
|
1906
|
|
a) Payments to and provisions for employees
|
1639
|
1809
|
1253
|
1617
|
3007
|
|
1385
|
1115
|
|
b) Rent, taxes and lighting
|
727
|
799
|
130
|
146
|
467
|
|
226
|
257
|
|
c) Printing and stationery
|
79
|
97
|
23
|
36
|
65
|
|
28
|
31
|
|
d) Advertisement and publicity
|
116
|
116
|
5
|
4
|
23
|
|
6
|
8
|
|
e) Depreciation on Bank's property
|
276
|
406
|
44
|
104
|
269
|
|
295
|
296
|
|
f) Directors' fees, allowances and expenses
|
2
|
3
|
3
|
4
|
9
|
|
5
|
6
|
|
g) Auditors' fees and expenses
|
11
|
20
|
5
|
7
|
9
|
|
5
|
3
|
|
h) Law charges
|
7
|
8
|
10
|
9
|
6
|
|
9
|
6
|
|
i) Postage, telegrams, telephones, etc.
|
107
|
110
|
35
|
35
|
54
|
|
32
|
31
|
|
j) Repairs and maintenance
|
39
|
54
|
8
|
12
|
2
|
|
15
|
20
|
|
k) Insurance
|
36
|
84
|
30
|
31
|
76
|
|
30
|
31
|
|
l) Other expenditure
|
767
|
729
|
146
|
155
|
551
|
|
96
|
102
|
|
V. Provisions and contingencies
|
3081
|
2831
|
641
|
400
|
3339
|
|
1837
|
1060
|
|
Total expenses @
|
16893
|
17153
|
5452
|
6055
|
19072
|
|
6576
|
6412
|
|
VI. Profit (loss)
|
1971
|
2305
|
573
|
758
|
127
|
|
684
|
961
|
|
Total (III+IV+V+VI)
|
21945
|
22289
|
6666
|
7214
|
22538
|
|
9098
|
8434
|
|
| |
|
|
|
|
|
|
(Amount in Rs. lakh)
|
|
|
Items
|
Sangli Bank
|
SBI Commercial & Intl.
Bank
|
South Indian Bank
|
Tamilnad Mercantile Bank
|
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
|
(49)
|
(50)
|
(51)
|
(52)
|
(53)
|
(54)
|
(55)
|
(56)
|
|
|
Income
|
|
|
|
|
|
|
|
|
|
I. Interest Earned
|
13866
|
13896
|
5691
|
4890
|
61547
|
65534
|
43289
|
47158
|
|
a) Interest/discount on advances/bills
|
5651
|
6046
|
2800
|
1627
|
35991
|
37253
|
20819
|
21736
|
|
b) Income on Investments
|
5290
|
5129
|
2236
|
1922
|
23593
|
26157
|
21504
|
24424
|
|
c) Interest on balances with
|
2703
|
2273
|
636
|
775
|
1963
|
2125
|
926
|
814
|
|
RBI and other inter-bank funds
|
|
|
|
|
|
|
|
|
|
d) Others
|
223
|
448
|
19
|
566
|
0
|
0
|
40
|
184
|
|
II. Other income
|
3400
|
3163
|
1606
|
1258
|
13854
|
18239
|
6246
|
5937
|
|
a) Commission, exchange and brokerage
|
578
|
527
|
195
|
165
|
2351
|
1924
|
3473
|
3567
|
|
b) Net Profit (loss) on sale of investments
|
2507
|
2319
|
1020
|
286
|
8646
|
13261
|
52
|
11
|
|
c) Net Profit (loss) on revaluation of investments
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
d) Net Profit (loss) on sale of land, building & other assets
|
1
|
0
|
0
|
1
|
5
|
0
|
-1
|
-6
|
|
e) Net Profit (loss) on exchange transaction
|
102
|
94
|
211
|
98
|
1046
|
962
|
768
|
889 |
|
f) Miscellaneous income
|
215
|
222
|
178
|
706
|
1805
|
2093
|
1954
|
1476
|
|
Total (I+II)
|
17266
|
17059
|
7296
|
6147
|
75401
|
83773
|
49535
|
53095
|
|
Expenditure & Provisions
|
|
|
|
|
|
|
|
|
|
III. Interest expended
|
9675
|
9920
|
5143
|
3626
|
46019
|
47942
|
28948
|
30242
|
|
a) Interest on deposits
|
9623
|
9892
|
4851
|
3534
|
44920
|
46858
|
27897
|
29792
|
|
b) Interest on RBI/inter-bank borrowings
|
43
|
21
|
188
|
67
|
260
|
30
|
57
|
33
|
|
c) Others
|
9
|
6
|
104
|
25
|
839
|
1054
|
994
|
417
|
|
IV. Operating expenses
|
4981
|
5121
|
844
|
885
|
12091
|
14184
|
8534
|
9281
|
|
a) Payments to and provisions for employees
|
3861
|
3904
|
289
|
316
|
8440
|
9436
|
5078
|
5544
|
|
b) Rent, taxes and lighting
|
349
|
375
|
138
|
154
|
1067
|
1143
|
765
|
817
|
|
c) Printing and stationery
|
37
|
36
|
11
|
11
|
250
|
455
|
233
|
210
|
|
d) Advertisement and publicity
|
5
|
10
|
3
|
2
|
95
|
131
|
121
|
99
|
|
e) Depreciation on Bank's property
|
278
|
271
|
104
|
110
|
442
|
696
|
488
|
888
|
|
f) Directors' fees, allowances and expenses
|
2
|
1
|
5
|
5
|
12
|
18
|
9
|
15
|
|
g) Auditors' fees and expenses
|
11
|
14
|
3
|
3
|
40
|
41
|
25
|
31
|
|
h) Law charges
|
7
|
7
|
35
|
25
|
15
|
13
|
10
|
18
|
|
i) Postage, telegrams, telephones, etc.
|
62
|
70
|
9
|
19
|
332
|
451
|
150
|
25
|
|
j) Repairs and maintenance
|
49
|
55
|
23
|
19
|
93
|
300
|
284
|
335
|
|
k) Insurance
|
68
|
73
|
46
|
44
|
289
|
322
|
180
|
204
|
|
l) Other expenditure
|
253
|
304
|
177
|
176
|
1016
|
1178
|
1191
|
1094
|
|
V. Provisions and contingencies
|
1606
|
843
|
986
|
2492
|
11049
|
14414
|
6518
|
7196
|
|
Total expenses @
|
14656
|
15040
|
5986
|
4510
|
58111
|
62126
|
37482
|
39523
|
|
VI. Profit (loss)
|
1004
|
1175
|
324
|
-855
|
6241
|
7233
|
5535
|
6376
|
|
Total (III+IV+V+VI)
|
17266
|
17059
|
7296
|
6147
|
75401
|
83773
|
49535
|
53095
|
|
| |
|
|
(Amount in Rs. lakh)
|
|
|
Items
|
United Western Bank
|
UTI Bank
|
|
2002
|
2003
|
2002
|
2003
|
|
(57)
|
(58)
|
(59)
|
(60)
|
|
|
Income
|
|
|
|
|
|
I. Interest Earned
|
49241
|
47714
|
117953
|
146481
|
|
a) Interest/discount on advances/bills
|
28851
|
28524
|
53957
|
73614
|
|
b) Income on Investments
|
17548
|
17454
|
60267
|
57623
|
|
c) Interest on balances with
|
2610
|
1557
|
3057
|
3682
|
|
RBI and other inter-bank funds
|
|
|
|
|
|
d) Others
|
233
|
179
|
672
|
11562
|
|
II. Other income
|
15259
|
14474
|
41587
|
41047
|
|
a) Commission, exchange and brokerage
|
3049
|
2798
|
9762
|
14377
|
|
b) Net Profit (loss) on sale of investments
|
10173
|
9004
|
30544
|
24614
|
|
c) Net Profit (loss) on revaluation of investments
|
-147
|
0
|
0
|
0
|
|
d) Net Profit (loss) on sale of land, building & other assets
|
7
|
14
|
-78
|
-153
|
|
e) Net Profit (loss) on exchange transaction
|
808
|
804
|
865
|
1667
|
|
f) Miscellaneous income
|
1370
|
1854
|
494
|
542
|
|
Total (I+II)
|
64500
|
62189
|
159540
|
187528
|
|
Expenditure & Provisions
|
|
|
|
|
|
III. Interest expended
|
39110
|
35826
|
98000
|
114241
|
|
a) Interest on deposits
|
36807
|
33778
|
85663
|
105692
|
|
b) Interest on RBI/inter-bank borrowings
|
1042
|
638
|
5306
|
2668
|
|
c) Others
|
1262
|
1409
|
7031
|
5881
|
|
IV. Operating expenses
|
10044
|
12557
|
20547
|
32285
|
|
a) Payments to and provisions for employees
|
6674
|
8587
|
4957
|
8523
|
|
b) Rent, taxes and lighting
|
667
|
768
|
3601
|
4851
|
|
c) Printing and stationery
|
217
|
221
|
668
|
1306
|
|
d) Advertisement and publicity
|
62
|
60
|
664
|
757
|
|
e) Depreciation on Bank's property
|
1033
|
1090
|
3663
|
4891
|
|
f) Directors' fees, allowances and expenses
|
7
|
10
|
17
|
24
|
|
g) Auditors' fees and expenses
|
44
|
57
|
28
|
30
|
|
h) Law charges
|
47
|
74
|
224
|
273
|
|
i) Postage, telegrams, telephones, etc.
|
143
|
136
|
1407
|
1879
|
|
j) Repairs and maintenance
|
105
|
104
|
1889
|
3154
|
|
k) Insurance
|
213
|
226
|
636
|
921
|
|
l) Other expenditure
|
831
|
1224
|
2793
|
5676
|
|
V. Provisions and contingencies
|
12770
|
11056
|
27579
|
21784
|
|
Total expenses @
|
49154
|
48382
|
118547
|
146526
|
|
VI. Profit (loss)
|
2576
|
2750
|
13414
|
19218
|
|
Total (III+IV+V+VI)
|
64500
|
62189
|
159540
|
187528
|
|