FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

ABN Amro

Abu-dhabi Commercial

American Express

Bank

Bank

Bank

1996

1997

1996

1997

1996

1997

(1)

(2)

(3)

(4)

(5)

(6)

Income

I.

Interest earned

16297

20633

3798

4824

36586

34999

a)

Interest/discount on advances/bills

12087

16077

2102

3182

23305

18986

b)

Income on investments

3668

4064

1510

1163

10826

10724

c)

Interest on balances with RBI and other

377

430

79

412

1386

2793

inter-bank funds

d)

Others

166

63

107

67

1069

2495

II.

Other income

4988

6281

791

389

6466

11769

a)

Commission, exchange, brokerage, etc.

1296

2755

181

270

4888

5477

b)

Net profit (loss) on sale of investments

110

414

229

85

(495)

932

c)

Net profit (loss) on revaluation of investments

-

-

-

-

(1067)

-

d)

Net profit (loss) on sale of land, building

-

-

-

1

(30)

(48)

& other assets

e)

Net profit (loss) on exchange transaction

3484

3019

382

33

2123

5296

f)

Miscellaneous income

98

93

-

-

58

111

Total (I+II)

21285

26914

4589

5213

43052

46769

Expenditure & Provisions

III.

Interest expended

12314

12459

3029

4320

25202

24137

a)

Interest on deposits

4319

4869

2768

3846

16747

23270

b)

Interest on RBI/inter-bank borrowings

5670

2679

203

274

2475

768

c)

Others

2325

4910

58

199

5981

98

IV.

Operating expenses

3302

6025

352

576

9514

9719

a)

Payments to and provisions for employees

957

1459

118

206

3141

2845

b)

Rent, taxes and lighting

444

575

43

99

867

946

c)

Printing and stationery

76

111

19

26

310

279

d)

Advertisement and publicity

57

132

8

21

487

533

e)

Depreciation on Bank's property

323

667

36

53

686

597

f)

Directors' fees, allowances and expenses

-

1

1

1

1

2

g)

Auditors' fees and expenses

3

4

1

1

7

18

h)

Law charges

17

31

3

1

15

9

i)

Postage, telegrams, telephones, etc.

335

469

29

41

1176

1206

j)

Repairs and maintenance

293

425

19

34

334

388

k)

Insurance

60

65

16

17

115

132

l)

Other expenditure

738

2085

58

75

2374

2764

V.

Provisions and contingencies

3222

4553

893

173

4807

8835

Total expenses

18838

23036

4275

5068

39523

42691

VI.

Profit (loss)

2447

3878

314

145

3529

4078

Total (III+IV+V+VI)

21285

26914

4589

5213

43052

46769

(Amount in Rs. lakh)

For the year ended 31st March

Bank of America

Bank of Bahrain

Bank of

Bank of Tokyo

Items

& Kuwait

Nova Scotia

1996

1997

1996

1997

1996

1997

1996

1997

(7)

(8)

(9)

(10)

(11)

(12)

(13)

(14)

Income

I.

Interest earned

39053

57504

2567

4335

5288

7833

18888

23208

a)

Interest/discount on advances/bills

28010

42907

1227

2964

4433

6423

13604

18788

b)

Income on investments

9202

12132

1117

887

719

1236

3020

3555

c)

Interest on balances with RBI and other

1054

647

208

410

111

108

541

435

inter-bank funds

d)

Others

787

1819

15

74

25

66

1723

430

II.

Other income

7351

9245

350

500

1216

1397

3387

1772

a)

Commission, exchange, brokerage, etc.

3477

3979

89

145

550

814

1659

1737

b)

Net profit (loss) on sale of investments

(612)

1333

154

(18)

122

79

4

-

c)

Net profit (loss) on revaluation of investments

-

-

(1)

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

26

28

4

-

-

-

(1)

(1)

& other assets

e)

Net profit (loss) on exchange transaction

3984

3793

41

144

536

492

1724

30

f)

Miscellaneous income

476

112

62

229

8

12

2

6

Total (I+II)

46404

66750

2917

4835

6504

9230

22275

24980

Expenditure & Provisions

III.

Interest expended

25483

34304

1200

3681

4822

4999

11148

12274

a)

Interest on deposits

16170

27561

1120

2331

1125

2669

5612

9385

b)

Interest on RBI/inter-bank borrowings

9298

5071

79

115

3697

2327

2584

1886

c)

Others

15

1673

1

1235

-

3

2952

1003

IV.

Operating expenses

8983

8799

391

584

642

1077

1643

2256

a)

Payments to and provisions for employees

2249

2994

79

140

186

272

745

1040

b)

Rent, taxes and lighting

1707

1123

125

146

107

154

337

309

c)

Printing and stationery

281

343

9

12

16

22

61

112

d)

Advertisement and publicity

117

214

4

3

3

3

6

9

e)

Depreciation on Bank's property

801

880

61

90

48

55

70

203

f)

Directors' fees, allowances and expenses

1

1

-

-

-

-

-

-

g)

Auditors' fees and expenses

20

7

1

4

5

7

3

4

h)

Law charges

34

171

2

4

3

14

5

18

i)

Postage, telegrams, telephones, etc.

469

641

11

22

37

48

112

179

j)

Repairs and maintenance

432

544

20

27

30

61

80

94

k)

Insurance

14

25

13

19

4

18

46

40

l)

Other expenditure

2859

1855

65

115

202

421

177

248

V.

Provisions and contingencies

583

2001

832

321

805

3658

6056

8140

Total expenses

35048

45104

2424

4586

6269

9734

18846

22669

VI.

Profit (loss)

11356

21646

493

249

234

(504)

3,429

2310

Total (III+IV+V+VI)

46404

66750

2917

4835

6504

9230

22275

24980

(Amount in Rs. lakh)

For the year ended 31st March

Items

Banque

Banque Nationale

Barclays

British Bank of

Indosuez

de Paris

Bank

Middle East

1996

1997

1996

1997

1996

1997

1996

1997

(15)

(16)

(17)

(18)

(19)

(20)

(21)

(22)

Income

I.

Interest earned

10391

13572

11284

13500

7072

5222

11926

12432

a)

Interest/discount on advances/bills

6860

7632

8960

10336

5462

3778

5177

6519

b)

Income on investments

2623

4424

1655

2546

977

1181

4609

4355

c)

Interest on balances with RBI and other

226

90

587

458

632

262

1883

1549

inter-bank funds

d)

Others

682

1425

83

161

1

1

257

8

II.

Other income

2528

3497

1547

1528

1638

1326

410

929

a)

Commission, exchange, brokerage, etc.

760

727

775

864

652

496

295

347

b)

Net profit (loss) on sale of investments

(462)

565

123

237

142

76

(137)

341

c)

Net profit (loss) on revaluation of investments

820

-

-

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

3

(1)

3

-

(1)

(1)

-

-

& other assets

e)

Net profit (loss) on exchange transaction

1407

2206

585

353

825

337

252

241

f)

Miscellaneous income

820

-

61

75

19

419

-

-

Total (I+II)

12919

17069

12832

15028

8710

6547

12336

13361

Expenditure & Provisions

III.

Interest expended

8713

12004

6670

6396

5611

4294

8808

10406

a)

Interest on deposits

5640

10339

1962

3746

1589

2840

7981

9742

b)

Interest on RBI/inter-bank borrowings

3039

1648

2886

1999

3324

1383

818

659

c)

Others

33

17

1822

652

698

71

8

5

IV.

Operating expenses

1428

1981

2239

2408

1204

1544

969

1072

a)

Payments to and provisions for employees

346

626

1267

966

491

660

414

426

b)

Rent, taxes and lighting

109

161

218

433

163

167

36

40

c)

Printing and stationery

33

41

44

56

9

13

23

23

d)

Advertisement and publicity

-

18

18

19

15

7

28

8

e)

Depreciation on Bank's property

128

108

86

114

117

126

99

101

f)

Directors' fees, allowances and expenses

-

-

-

-

-

2

-

-

g)

Auditors' fees and expenses

1

1

2

2

1

3

3

3

h)

Law charges

-

6

3

8

-

-

1

1

i)

Postage, telegrams, telephones, etc.

75

111

41

76

146

171

39

40

j)

Repairs and maintenance

23

37

105

192

30

48

22

25

k)

Insurance

101

203

25

39

12

20

33

32

l)

Other expenditure

611

669

429

503

221

327

271

374

V.

Provisions and contingencies

1048

3403

2539

3856

1184

636

1001

570

Total expenses

11189

17388

11447

12659

7999

6474

10778

12049

VI.

Profit (loss)

1730

(320)

1385

2369

711

73

1558

1313

Total (III+IV+V+VI)