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Date : Sep 14, 1999

Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 2 of 7)

NATIONALISED BANKS

								(Amount in Rs. lakh)
			For the year ended 31st March
			Dena Bank		Indian Bank		Indian Overseas		Oriental Bank of
Items							Bank		Commerce
			1997	1998	1997	1998	1997	1998	1997	1998
			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)
Income

I.	Interest Earned		101444	121642	156316	146421	185943	198449	125054	145804
	a)	Interest/discount on advances/bills	57961	67753	93488	82425	99802	98219	70762	73896
	b)	Income on Investments	40633	51185	57637	60111	69643	82296	49355	66854
	c)	Interest on balances with	2701	2365	5191	3885	14532	17443	3650	4318
		RBI and other inter-bank funds
	d)	Others	149	340	-	-	1965	491	1287	737

II.	Other income		11015	18414	21710	20206	19165	20699	10438	13845
	a)	Commission, exchange and brokerage	5899	7105	6847	6840	11183	11447	6634	7201
	b)	Net Profit on sale of investments	683	6032	1671	1498	1030	1686	223	1457
	c)	Net Profit on sale of land,	7	9	20	23	103	46	4	9
		building & other assets
	d)	Net Profit on exchange transaction	1800	1916	7300	6506	4615	3963	2853	3256
	e)	Miscellaneous income	2625	3353	5871	5339	2235	3557	724	1922
Total (I+II)			112459	140056	178026	166627	205108	219148	135493	159649
Expenditure & Provisions

III.	Interest expended		64005	78987	144203	135286	143212	149003	80087	95855
	a)	Interest on deposits	57881	73479	105219	117295	123747	144427	78168	93850
	b)	Interest on RBI/inter-bank borrowings	1457	349	11124	5707	5938	4267	734	1056
	c)	Others	4667	5158	27859	12283	13527	309	1185	949

IV.	Operating expenses		29050	33708	47659	52292	48951	54710	25337	30056
	a)	Payments to and provisions for employees	21165	24476	35184	39132	36840	40807	15431	18497
	b)	Rent, taxes and lighting	1883	2157	3490	3899	3798	4314	3147	3608
	c)	Printing and stationery	555	751	807	779	682	713	532	640
	d)	Advertisement and publicity	133	336	89	73	139	225	49	148
	e)	Depreciation on Bank's property	769	1046	1654	1730	1434	1837	1231	1725
	f)	Directors' fees, allowances and expenses	16	16	11	11	20	17	17	24
	g)	Auditors' fees and expenses	171	173	269	279	208	289	128	185
	h)	Law charges	86	76	48	118	130	115	274	334
	i)	Postage, telegrams, telephones, etc.	372	440	384	349	591	437	529	640
	j)	Repairs and maintenance	506	709	971	1044	162	177	323	329
	k)	Insurance	1282	641	799	842	1019	1008	672	559
	l)	Other expenditure	2113	2887	3954	4036	3927	4771	3001	3365

V.	Provisions and contingencies		12113	16857	25073	9200	2493	4128	12045	12738

	Total expenses*		93055	112695	191862	187577	192163	203713	105423	125911

VI.	Profit		7291	10504	-38909	-30150	10451	11306	18025	21000
Total (III+IV+V+VI)			112459	140056	178026	166627	205108	219148	135493	159649
								(Amount in Rs. lakh)
			For the year ended 31st March
			Punjab National		Punjab &		Syndicate		Union Bank of
Items			Bank		Sind Bank		Bank		India
			1997	1998	1997	1998	1997	1998	1997	1998
			(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)
Income

I.	Interest Earned		365400	399224	73213	84425	159791	169323	230224	250403
	a)	Interest/discount on advances/bills	195412	196110	40947	40432	71659	74791	129462	125917
	b)	Income on Investments	152540	182058	29308	39257	80198	88478	89290	107758
	c)	Interest on balances with	16884	16442	2796	3582	5979	4962	9839	13649
		RBI and other inter-bank funds
	d)	Others	563	4615	162	1154	1955	1093	1632	3078

II.	Other income		46879	63658	9157	11533	15659	22022	19879	20767
	a)	Commission, exchange and brokerage	24837	28023	3563	3818	8028	7490	10092	9859
	b)	Net Profit on sale of investments	3453	23729	590	2845	40	3572	-187	155
	c)	Net Profit on sale of land,	65	72	13	8	23	28	9	15
		building & other assets
	d)	Net Profit on exchange transaction	7307	6156	2681	2621	3478	6121	5516	6775
	e)	Miscellaneous income	11243	5679	2310	2242	4090	5046	4449	3962
Total (I+II)			412279	462882	82370	95959	175450	191345	250103	271169
Expenditure & Provisions

III.	Interest expended		243870	269908	53456	60662	104290	113722	153899	168749
	a)	Interest on deposits	234256	253991	50990	58953	101681	111813	151788	167431
	b)	Interest on RBI/inter-bank borrowings	585	351	1481	115	242	470	1806	1163
	c)	Others	9029	15565	984	1594	2367	1439	305	155

IV.	Operating expenses		106442	112863	23250	25289	61296	64084	62072	67468
	a)	Payments to and provisions for employees	81102	87144	16614	18094	48312	50346	41656	43555
	b)	Rent, taxes and lighting	4734	5529	1419	1579	3384	3903	3496	3973
	c)	Printing and stationery	1838	1977	455	370	564	558	1462	1425
	d)	Advertisement and publicity	159	304	99	112	49	83	444	630
	e)	Depreciation on Bank's property	2881	3475	917	986	867	930	2841	3286
	f)	Directors' fees, allowances and expenses	16	18	8	6	10	16	24	29
	g)	Auditors' fees and expenses	310	755	110	140	227	362	293	348
	h)	Law charges	480	605	38	38	83	54	299	507
	i)	Postage, telegrams, telephones, etc.	1576	1921	436	472	699	804	885	973
	j)	Repairs and maintenance	881	1034	271	347	379	439	724	845
	k)	Insurance	4199	1814	498	444	1933	708	3767	5052
	l)	Other expenditure	8268	8286	2385	2700	4788	5880	6181	6843

V.	Provisions and contingencies		38195	32376	3663	3498	3169	5274	12564	9943

	Total expenses*		350313	382771	76706	85951	165585	177806	215971	236217

VI.	Profit		23771	47735	2000	6509	6696	8266	21568	25010
Total (III+IV+V+VI)			412279	462882	82370	95959	175450	191345	250103	271169

						(Amount in Rs. lakh)
			For the year ended 31st March
			United Bank of		United Commercial			Vijaya
Items			India		Bank			Bank
			1997	1998	1997		1998	1997	1998
			(33)	(34)	(35)		(36)	(37)	(38)
Income

I.	Interest Earned		100688	133466	130306		144519	73280	81007
	a)	Interest/discount on advances/bills	38408	37234	58277		56312	36831	36591
	b)	Income on Investments	57468	81094	59777		78152	33385	39545
	c)	Interest on balances with	4547	3218	11059		8625	2597	3763
		RBI and other inter-bank funds
	d)	Others	264	11921	1193		1431	467	1108

II.	Other income		9726	14058	12717		19236	6332	8155
	a)	Commission, exchange and brokerage	5870	5868	7732		8737	3164	3728
	b)	Net Profit on sale of investments	669	4354	378		2072	58	197
	c)	Net Profit on sale of land,	6	2	1		-	11	10
		building & other assets
	d)	Net Profit on exchange transaction	409	785	1967		4942	1137	1813
	e)	Miscellaneous income	2772	3049	2639		3485	1961	2406
Total (I+II)			110414	147524	143022		163755	79612	89161
Expenditure & Provisions

III.	Interest expended		80053	93628	98682		108481	49877	54961
	a)	Interest on deposits	78898	91891	96033		104238	47923	53813
	b)	Interest on RBI/inter-bank borrowings	168	544	2334		2251	424	136
	c)	Others	987	1192	315		1992	1531	1012

IV.	Operating expenses		35858	37465	51617		53770	26257	27825
	a)	Payments to and provisions for employees	29051	30927	42258		44322	19166	20058
	b)	Rent, taxes and lighting	1582	1737	2622		2896	2419	2454
	c)	Printing and stationery	582	587	589		696	337	363
	d)	Advertisement and publicity	41	49	70		77	32	34
	e)	Depreciation on Bank's property	406	446	662		673	1226	1242
	f)	Directors' fees, allowances and expenses	15	25	18		22	19	20
	g)	Auditors' fees and expenses	116	151	309		368	130	165
	h)	Law charges	48	68	90		90	30	27
	i)	Postage, telegrams, telephones, etc.	254	297	268		264	210	176
	j)	Repairs and maintenance	354	316	134		184	103	118
	k)	Insurance	521	604	577		679	365	422
	l)	Other expenditure	2888	2258	4022		3498	2221	2745

V.	Provisions and contingencies		5867	15469	10347		11125	1581	4044

	Total expenses*		115911	131093	150299		162251	76135	82787

VI.	Profit		-11364	962	-17623		-9622	1896	2331
Total (III+IV+V+VI)			110414	147524	143022		163755	79612	89161

OTHER SCHEDULED COMMERCIAL BANKS
								(Amount in Rs. lakh)
			For the year ended 31st March
			Bank of		Bank of		Bank of		Bareilly
Items			Madura		Punjab		Rajasthan		Corporation Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
Income

I.	Interest Earned		24777	28136	8067	14855	36507	35039	3213	3474
	a)	Interest/discount on advances/bills	16581	15418	4475	7081	21663	19793	1222	1283
	b)	Income on Investments	6306	9745	3302	7568	12500	13587	1500	1823
	c)	Interest on balances with	1891	2770	291	187	1949	1616	491	368
		RBI and other inter-bank funds
	d)	Others	-	204	-	19	394	43	-	-

II.	Other income		5215	8878	2313	4139	4278	4541	300	289
	a)	Commission, exchange and brokerage	2189	2431	323	441	2023	2305	218	190
	b)	Net Profit on sale of investments	631	2098	391	1799	-114	74	-	-
	c)	Net Profit on sale of land,	12	8	-	1	3	-	-	1
		building & other assets
	d)	Net Profit on exchange transaction	118	1303	726	935	550	507	-	-
	e)	Miscellaneous income	2265	3039	873	963	1817	1654	82	97
Total (I+II)			29993	37015	10381	18993	40786	39580	3513	3763
Expenditure & Provisions

III.	Interest expended		16927	20045	5377	10864	26627	26919	2218	2323
	a)	Interest on deposits	13997	17568	5321	10572	26232	26528	2211	2319
	b)	Interest on RBI/inter-bank borrowings	2267	1666	56	292	240	389	7	4
	c)	Others	663	811	-	-	156	2	-	-

IV.	Operating expenses		7965	9594	2425	3824	8902	9779	1243	1326
	a)	Payments to and provisions for employees	3853	4727	373	573	5320	6159	971	1027
	b)	Rent, taxes and lighting	440	539	329	597	560	650	81	88
	c)	Printing and stationery	138	143	129	124	167	148	16	16
	d)	Advertisement and publicity	96	164	163	234	96	142	3	3
	e)	Depreciation on Bank's property	2067	2522	613	771	1306	1200	16	14
	f)	Directors' fees, allowances and expenses	2	3	21	27	14	24	1	-
	g)	Auditors' fees and expenses	8	8	7	14	20	21	3	2
	h)	Law charges	24	63	-	8	33	82	13	16
	i)	Postage, telegrams, telephones, etc.	144	173	149	168	223	246	23	28
	j)	Repairs and maintenance	100	128	56	132	77	104	3	5
	k)	Insurance	77	108	38	92	183	112	17	18
	l)	Other expenditure	1017	1016	546	1085	902	891	96	109

V.	Provisions and contingencies		2524	3957	335	1069	4466	11666	27	21

	Total expenses*		24892	29639	7802	14688	35529	36698	3461	3648

VI. Profit			2577	3419	2244	3235	791	-8784	25	94
Total (III+IV+V+VI)			29993	37015	10381	18993	40786	39580	3513	3763
Note		: *Excluding 'Provisions and Contingencies'.
-		: Nil or negligible.
Source : Annual accounts of banks.