|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Karur Vysya | Lakshmi Vilas | Lord Krishna | Nainital |
Items | | Bank
| Bank
| Bank
| Bank
|
| | | | 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
|
|
|
| (41)
| (42)
| (43)
| (44)
| (45)
| (46)
| (47)
| (48)
|
Income | | | | | | | | |
| | | | | | | | | | | |
I. | Interest Earned | 22031 | 26688 | 14603 | 15499 | 8005 | 10083 | 3016 | 3608 |
| | a) | Interest/discount on advances/bills | 15032 | 16239 | 9203 | 9611 | 6129 | 6810 | 1131 | 1159 |
| | b) | Income on Investments | 6331 | 9508 | 4737 | 5262 | 1690 | 2832 | 1191 | 1389 |
| | c) | Interest on balances with | 579 | 901 | 469 | 385 | 150 | 304 | 683 | 1044 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | 89 | 40 | 195 | 241 | 37 | 137 | 12 | 16 |
| | | | | | | | | | | |
II. | Other income | 3296 | 6557 | 2754 | 3488 | 1084 | 1337 | 141 | 162 |
| | a) | Commission, exchange and brokerage | 2139 | 2795 | 1988 | 2186 | 632 | 605 | 105 | 124 |
| | b) | Net Profit on sale of investments | -285 | 2771 | 34 | 502 | - | 60 | 2 | 1 |
| | c) | Net Profit on sale of land, | 4 | 2 | 3 | 2 | 2 | 1 | - | - |
| | | building & other assets | | | | | | | | |
| | d) | Net Profit on exchange transaction | 317 | 517 | 220 | 391 | - | - | - | - |
| | e) | Miscellaneous income | 1120
| 472
| 510
| 407
| 450
| 671
| 34
| 36
|
Total (I+II)
| 25327
| 33244
| 17357
| 18988
| 9089
| 11420
| 3158
| 3770
|
Expenditure & Provisions | | | | | | | | |
| | | | | | | | | | | |
III. | Interest expended | 14345 | 18404 | 10472 | 11329 | 6229 | 8369 | 1797 | 2247 |
| | a) | Interest on deposits | 13034 | 17335 | 9589 | 10568 | 5710 | 7431 | 1793 | 2240 |
| | b) | Interest on RBI/inter-bank borrowings | 795 | 509 | 137 | 110 | 9 | 54 | 1 | 6 |
| | c) | Others | 515 | 559 | 746 | 650 | 511 | 885 | 4 | 2 |
| | | | | | | | | | | |
IV. | Operating expenses | 5170 | 6526 | 4618 | 4866 | 1261 | 1780 | 922 | 998 |
| | a) | Payments to and provisions for employees | 2823 | 3770 | 2553 | 2624 | 611 | 780 | 657 | 719 |
| | b) | Rent, taxes and lighting | 232 | 312 | 243 | 344 | 119 | 234 | 77 | 87 |
| | c) | Printing and stationery | 110 | 126 | 78 | 87 | 20 | 21 | 17 | 17 |
| | d) | Advertisement and publicity | 199 | 184 | 64 | 47 | 45 | 41 | 4 | 3 |
| | e) | Depreciation on Bank's property | 1088 | 1182 | 707 | 751 | 189 | 393 | 17 | 16 |
| | f) | Directors' fees, allowances and expenses | 9 | 11 | 1 | 1 | 3 | 4 | 2 | 2 |
| | g) | Auditors' fees and expenses | 6 | 11 | 6 | 6 | 2 | 2 | 3 | 5 |
| | h) | Law charges | 2 | 3 | 4 | 5 | 1 | 1 | 18 | 7 |
| | i) | Postage, telegrams, telephones, etc. | 213 | 267 | 133 | 167 | 35 | 40 | 16 | 23 |
| | j) | Repairs and maintenance | 78 | 94 | 27 | 21 | 13 | 18 | 6 | 7 |
| | k) | Insurance | 68 | 109 | 54 | 63 | 28 | 36 | 41 | 16 |
| | l) | Other expenditure | 342 | 457 | 748 | 749 | 197 | 209 | 67 | 97 |
| | | | | | | | | | | |
V. | Provisions and contingencies | 2207 | 3960 | 402 | 634 | 1042 | 865 | 365 | 366 |
| | | | | | | | | | | |
| | Total expenses* | 19514 | 24930 | 15089 | 16194 | 7490 | 10150 | 2720 | 3246 |
| | | | | | | | | | | |
VI. | Profit | 3606
| 4354
| 1865
| 2159
| 557
| 405
| 73
| 158
|
Total (III+IV+V+VI)
| 25327
| 33244
| 17357
| 18988
| 9089
| 11420
| 3158
| 3770
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
Items | | Nedungadi | Ratnakar | Sangli | SBI Commercial & |
| | | | Bank
| Bank
| Bank
| Intl. Bank
|
| | | | 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
|
|
|
| (49)
| (50)
| (51)
| (52)
| (53)
| (54)
| (55)
| (56)
|
Income | | | | | | | | |
| | | | | | | | | | | |
I. | Interest Earned | 7334 | 10220 | 2766 | 3303 | 9648 | 11072 | 4111 | 5349 |
| | a) | Interest/discount on advances/bills | 5097 | 6787 | 1738 | 2107 | 5098 | 4717 | 2527 | 2811 |
| | b) | Income on Investments | 1925 | 3236 | 910 | 1082 | 3713 | 5238 | 1112 | 1449 |
| | c) | Interest on balances with | 302 | 197 | 88 | 115 | 747 | 990 | 347 | 700 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | 9 | - | 29 | - | 91 | 127 | 125 | 389 |
| | | | | | | | | | | |
II. | Other income | 1055 | 1661 | 217 | 358 | 1387 | 2514 | 466 | 1274 |
| ; | a) | Commission, exchange and brokerage | 596 | 638 | 130 | 143 | 643 | 646 | 260 | 407 |
| | b) | Net Profit on sale of investments | - | 379 | 14 | 142 | 258 | 1437 | 56 | 449 |
| | c) | Net Profit on sale of land, | - | 1 | - | 1 | - | - | 1 | - |
| | | building & other assets | | | | | | | | |
| | d) | Net Profit on exchange transaction | 177 | 299 | - | - | 226 | 197 | 75 | 281 |
| | e) | Miscellaneous income | 281
| 344
| 74
| 71
| 260
| 234
| 75
| 137
|
Total (I+II)
| 8389
| 11881
| 2984
| 3661
| 11035
| 13586
| 4577
| 6623
|
Expenditure & Provisions | | | | | | | | |
| | | | | | | | | | | |
III. | Interest expended | 4961 | 7210 | 1817 | 2249 | 6545 | 7158 | 3552 | 4584 |
| | a) | Interest on deposits | 4799 | 6838 | 1604 | 2045 | 6316 | 7039 | 3103 | 3714 |
| | b) | Interest on RBI/inter-bank borrowings | 2 | 25 | 127 | 108 | 171 | 93 | 229 | 530 |
| | c) | Others | 160 | 347 | 86 | 96 | 57 | 27 | 220 | 340 |
| | | | | | | | | | | |
IV. | Operating expenses | 2473 | 2852 | 898 | 952 | 3380 | 3573 | 559 | 600 |
| | a) | Payments to and provisions for employees | 1733 | 1912 | 641 | 627 | 2592 | 2751 | 158 | 182 |
| | b) | Rent, taxes and lighting | 140 | 175 | 77 | 96 | 243 | 261 | 78 | 80 |
| | c) | Printing and stationery | 42 | 52 | 17 | 22 | 43 | 36 | 15 | 15 |
| | d) | Advertisement and publicity | 20 | 42 | 3 | 4 | 3 | 3 | 3 | 6 |
| | e) | Depreciation on Bank's property | 200 | 90 | 52 | 69 | 112 | 129 | 94 | 98 |
| | f) | Directors' fees, allowances and expenses | 3 | 9 | 1 | 1 | 1 | 1 | 9 | 8 |
| | g) | Auditors' fees and expenses | 5 | 6 | 2 | 4 | 5 | 5 | 1 | 2 |
| | h) | Law charges | 3 | 2 | 2 | 2 | 3 | 4 | 47 | 60 |
| | i) | Postage, telegrams, telephones, etc. | 21 | 30 | 21 | 24 | 38 | 49 | 9 | - |
| | j) | Repairs and maintenance | - | 2 | 4 | 5 | 21 | 31 | 18 | 19 |
| | k) | Insurance | 26 | 36 | 12 | 13 | 44 | 50 | 28 | 37 |
| | l) | Other expenditure | 279 | 496 | 66 | 84 | 276 | 254 | 100 | 93 |
| | | | | | | | | | | |
V. | Provisions and contingencies | 532 | 1094 | 80 | 160 | 606 | 2451 | -40 | 26 |
| | | | | | | | | | | |
| | Total expenses* | 7435 | 10061 | 2715 | 3201 | 9924 | 10732 | 4111 | 5184 |
| | | | | | | | | | | |
VI. | Profit | 422
| 726
| 188
| 300
| 504
| 402
| 506
| 1412
|
Total (III+IV+V+VI)
| 8389
| 11881
| 2984
| 3661
| 11035
| 13586
| 4577
| 6623
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | South Indian | Tamilnad Mercantile | Times | United Western |
Items | | Bank
| Bank
| Bank
| Bank
|
| | | | 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
|
|
|
| (57)
| (58)
| (59)
| (60)
| (61)
| (62)
| (63)
| (64)
|
Income | | | | | | | | |
| | | | | | | | | | | |
I. | Interest Earned | 27942 | 33869 | 17915 | 20768 | 14416 | 21395 | 23204 | 25942 |
| | a) | Interest/discount on advances/bills | 18491 | 20428 | 12285 | 12167 | 11436 | 12746 | 15147 | 16224 |
| | b) | Income on Investments | 8599 | 12592 | 5094 | 8036 | 2856 | 8042 | 7090 | 8713 |
| | c) | Interest on balances with | 852 | 849 | 511 | 518 | 125 | 564 | 788 | 982 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | 25 | 47 | - | 44 | 178 | 24 |
| | | | | | | | | | | |
II. | Other income | 2212 | 2604 | 3706 | 3900 | 1685 | 4533 | 5713 | 7515 |
| | a) | Commission, exchange and brokerage | 1264 | 1179 | 2128 | 2245 | 1085 | 1465 | 2240 | 2093 |
| | b) | Net Profit on sale of investments | 17 | 188 | 21 | 121 | 200 | 2553 | 884 | 2949 |
| | c) | Net Profit on sale of land, | 10 | 8 | 9 | 5 | - | -1 | -1 | 1 |
| | | building & other assets | | | | | | | | |
| | d) | Net Profit on exchange transaction | 447 | 514 | 721 | 731 | 397 | 499 | 750 | 692 |
| | e) | Miscellaneous income | 474
| 715
| 826
| 798
| 2
| 27
| 1840
| 1781
|
Total (I+II)
| 30154
| 36473
| 21621
| 24667
| 16101
| 25928
| 28917
| 33457
|
Expenditure & Provisions | | | | | | | | |
| | | | | | | | | | | |
III. | Interest expended | 21542 | 26145 | 10775 | 13696 | 10491 | 17721 | 16720 | 18865 |
| | a) | Interest on deposits | 20085 | 24901 | 9803 | 12859 | 8091 | 16573 | 15781 | 17957 |
| | b) | Interest on RBI/inter-bank borrowings | 264 | 98 | 77 | 27 | 993 | 608 | 938 | 908 |
| | c) | Others | 1193 | 1146 | 895 | 811 | 1407 | 540 | - | - |
| | | | | | | | | | | |
IV. | Operating expenses | 6424 | 7337 | 4417 | 4582 | 2700 | 4345 | 6351 | 6661 |
| | a) | Payments to and provisions for employees | 4705 | 5396 | 2413 | 2646 | 656 | 1169 | 4103 | 4222 |
| | b) | Rent, taxes and lighting | 527 | 603 | 321 | 365 | 418 | 649 | 368 | 484 |
| | c) | Printing and stationery | 161 | 167 | 182 | 146 | 128 | 282 | 45 | 152 |
| | d) | Advertisement and publicity | 44 | 33 | 153 | 94 | 224 | 183 | 38 | 28 |
| | e) | Depreciation on Bank's property | 192 | 238 | 300 | 294 | 150 | 523 | 889 | 875 |
| | f) | Directors' fees, allowances and expenses | 2 | 2 | 9 | 6 | 13 | 11 | 4 | 4 |
| | g) | Auditors' fees and expenses | 11 | 11 | 11 | 13 | 6 | 8 | 22 | 26 |
| | h) | Law charges | 4 | 5 | 42 | 51 | 5 | 16 | 18 | 14 |
| | i) | Postage, telegrams, telephones, etc. | 165 | 184 | 223 | 169 | 101 | 196 | 111 | 136 |
| | j) | Repairs and maintenance | 46 | 52 | 189 | 166 | 407 | 415 | 73 | 90 |
| | k) | Insurance | 107 | 134 | 71 | 84 | 36 | 100 | 192 | 122 |
| | l) | Other expenditure | 460 | 511 | 503 | 549 | 556 | 795 | 488 | 508 |
| | | | | | | | | | | |
V. | Provisions and contingencies | 1410 | 916 | 3010 | 2574 | 1793 | 1381 | 3688 | 4578 |
| | | | | | | | | | | |
| | Total expenses* | 27967 | 33482 | 15191 | 18278 | 13191 | 22066 | 23071 | 25526 |
| | | | | | | | | | | |
VI. | Profit | 777
| 2074
| 3420
| 3815
| 1116
| 2481
| 2158
| 3353
|
Total (III+IV+V+VI)
| 30154
| 36473
| 21621
| 24667
| 16101
| 25928
| 28917
| 33457
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | UTI | Vysya |
Items | | Bank
| Bank
|
| | | | 1997
| 1998
| 1997
| 1998
|
|
|
| (65)
| (66)
| (67)
| (68)
|
Income | | | | |
| | | | | | | |
I. | Interest Earned | 15765 | 25561 | 63966 | 64473 |
| | a) | Interest/discount on advances/bills | 11561 | 16059 | 43127 | 37187 |
| | b) | Income on Investments | 3550 | 8802 | 19364 | 22774 |
| | c) | Interest on balances with | 372 | 585 | 1395 | 3881 |
| | | RBI and other inter-bank funds | | | | |
| | d) | Others | 282 | 115 | 80 | 632 |
| | | | | | | |
II. | Other income | 2410 | 6090 | 10090 | 13906 |
| | a) | Commission, exchange and brokerage | 1272 | 1747 | 5216 | 4789 |
| | b) | Net Profit on sale of investments | 401 | 3252 | 747 | 5987 |
| | c) | Net Profit on sale of land, | -5 | - | 1 | 2 |
| | | building & other assets | | | | |
| | d) | Net Profit on exchange transaction | 195 | 285 | 2112 | 1578 |
| | e) | Miscellaneous income | 548
| 806
| 2015
| 1551
|
Total (I+II)
| 18175
| 31651
| 74055
| 78379
|
Expenditure & Provisions | | | | |
| | | | | | | |
III. | Interest expended | 12207 | 22219 | 51384 | 54094 |
| | a) | Interest on deposits | 11227 | 20537 | 48089 | 52373 |
| | b) | Interest on RBI/inter-bank borrowings | 579 | 914 | 2094 | 632 |
| | c) | Others | 401 | 768 | 1200 | 1089 |
| | | | | | | |
IV. | Operating expenses | 2641 | 3976 | 11500 | 12777 |
| | a) | Payments to and provisions for employees | 514 | 829 | 6817 | 7293 |
| | b) | Rent, taxes and lighting | 536 | 1089 | 1379 | 1585 |
| | c) | Printing and stationery | 35 | 108 | 296 | 304 |
| | d) | Advertisement and publicity | 89 | 60 | 230 | 154 |
| | e) | Depreciation on Bank's property | 627 | 851 | 710 | 824 |
| | f) | Directors' fees, allowances and expenses | 1 | 4 | 30 | 26 |
| | g) | Auditors' fees and expenses | 6 | 9 | 23 | 28 |
| | h) | Law charges | 14 | 16 | 14 | 25 |
| | i) | Postage, telegrams, telephones, etc. | 123 | 158 | 273 | 370 |
| | j) | Repairs and maintenance | 98 | 154 | 323 | 394 |
| | k) | Insurance | 58 | 149 | 221 | 275 |
| | l) | Other expenditure | 541 | 548 | 1184 | 1499 |
| | | | | | | |
V. | Provisions and contingencies | 1804 | 3695 | 4660 | 3957 |
| | | | | | | |
| | Total expenses* | 14849 | 26195 | 62883 | 66871 |
| | | | | | | |
VI. | Profit | 1522
| 1762
| 6512
| 7552
|
Total (III+IV+V+VI)
| 18175
| 31651
| 74055
| 78379
|
Note | : *Excluding 'Provisions and Contingencies'. | | | | |
- | | : Nil or negligible. | | | | |
Source : Annual accounts of banks. | | | | |