FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Oman International

Sakura Bank

Sanwa

Societe

Bank

Bank

Generale

1996

1997

1996

1997

1996

1997

1996

1997

(47)

(48)

(49)

(50)

(51)

(52)

(53)

(54)

Income

I.

Interest earned

3792

5034

6698

10214

3335

4185

13319

15297

a)

Interest/discount on advances/bills

2789

3567

5007

8286

2726

3511

7609

10960

b)

Income on investments

752

1044

1373

1668

606

671

4345

3453

c)

Interest on balances with RBI and other

249

374

310

260

4

2

1338

818

inter-bank funds

d)

Others

2

49

8

1

-

-

27

66

II.

Other income

664

656

15

(878)

(489)

(686)

606

1265

a)

Commission, exchange, brokerage, etc.

260

298

315

349

208

213

385

440

b)

Net profit (loss) on sale of investments

5

(120)

-

-

-

76

(6)

(108)

c)

Net profit (loss) on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

-

4

-

(3)

-

-

(16)

(4)

& other assets

e)

Net profit (loss) on exchange transaction

399

439

(299)

(1228)

(728)

(1053)

206

911

f)

Miscellaneous income

-

36

-

3

31

78

38

26

Total (I+II)

4456

5690

6713

9337

2846

3498

13924

16563

Expenditure & Provisions

III.

Interest expended

2393

3237

2857

3695

2261

1813

11028

11782

a)

Interest on deposits

1788

3079

1411

809

627

994

7243

8747

b)

Interest on RBI/inter-bank borrowings

570

104

1446

2884

1004

358

3783

3035

c)

Others

35

55

-

1

630

461

2

-

IV.

Operating expenses

684

747

366

728

387

481

1238

1431

a)

Payments to and provisions for employees

104

159

143

238

76

96

298

421

b)

Rent, taxes and lighting

232

194

65

166

77

117

278

83

c)

Printing and stationery

18

15

10

20

7

15

20

18

d)

Advertisement and publicity

27

30

-

2

1

-

8

8

e)

Depreciation on Bank's property

62

73

66

151

29

60

142

360

f)

Directors' fees, allowances and expenses

3

4

-

-

-

-

1

1

g)

Auditors' fees and expenses

3

2

2

2

2

3

1

1

h)

Law charges

8

6

-

-

5

3

3

4

i)

Postage, telegrams, telephones, etc.

48

41

6

23

48

45

101

122

j)

Repairs and maintenance

4

18

9

12

30

23

50

58

k)

Insurance

15

17

17

8

5

7

37

36

l)

Other expenditure

161

187

47

105

108

113

299

319

V.

Provisions and contingencies

978

900

1859

2425

151

725

1014

1900

Total expenses

4055

4884

5078

6847

2799

3018

13279

15113

VI.

Profit (loss)

401

806

1636

2490

47

480

645

1449

Total (III+IV+V+VI)

4456

5690

6713

9337

2846

3498

13924

16563

(Amount in Rs. lakh)

For the year ended 31st March

Items

Sonali

Standard Chartered

State Bank of

The Fuji

Bank

Bank

Mauritius

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(55)

(56)

(57)

(58)

(59)

(60)

(61)

(62)

Income

I.

Interest earned

282

73

47578

54861

914

810

357

a)

Interest/discount on advances/bills

39

29

23640

38716

631

581

214

b)

Income on investments

94

30

21673

13462

81

96

12

c)

Interest on balances with RBI and other

141

13

1834

1016

202

133

131

inter-bank funds

d)

Others

8

1

431

1666

-

-

-

II.

Other income

265

393

8962

14421

96

125

20

a)

Commission, exchange, brokerage, etc.

264

371

6591

7810

53

33

17

b)

Net profit (loss) on sale of investments

-

-

(2325)

1452

-

-

-

c)

Net profit (loss) on revaluation of investments

-

-

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

-

-

591

(32)

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

3989

4898

42

90

4

f)

Miscellaneous income

1

22

116

293

1

2

-

Total (I+II)

547

467

56541

69282

1010

935

377

Expenditure & Provisions

III.

Interest expended

28

34

24353

35298

93

110

23

a)

Interest on deposits

18

23

21736

33516

76

96

11

b)

Interest on RBI/inter-bank borrowings

3

5

2613

1781

17

12

11

c)

Others

7

5

4

1

1

3

-

IV.

Operating expenses

124

143

21581

24567

214

192

864

a)

Payments to and provisions for employees

61

66

10833

10178

59

54

84

b)

Rent, taxes and lighting

32

31

936

817

43

45

408

c)

Printing and stationery

2

3

788

1096

2

2

7

d)

Advertisement and publicity

-

1

2209

1503

12

3

2

e)

Depreciation on Bank's property

1

1

684

798

46

52

70

f)

Directors' fees, allowances and expenses

-

-

2

4

-

-

-

g)

Auditors' fees and expenses

-

-

15

16

1

1

2

h)

Law charges

-

1

669

652

-

1

13

i)

Postage, telegrams, telephones, etc.

4

9

1042

2072

6

10

24

j)

Repairs and maintenance

1

1

789

1538

1

4

12

k)

Insurance

1

1

334

366

2

1

2

l)

Other expenditure

22

30

3282

5526

42

19

239

V.

Provisions and contingencies

218

159

397

5094

269

300

6

Total expenses

370

336

46332

64960

576

603

893

VI.

Profit (loss)

177

130

10209

4322

434

332

(516)

Total (III+IV+V+VI)

547

467

56541

69282

1010

935

377

(Amount in Rs. lakh)

For the year ended 31st March

Items

The Siam Commercial Bank

1996

1997

(63)

(64)

Income

I.

Interest Earned

148

1338

a)

Interest/discount on advances/bills

17

1162

b)

Income on Investments

36

33

c)

Interest on balances with RBI and other

96

143

inter-bank funds

d)

Others

-

-

II.

Other income

5

165

a)

Commission, exchange and brokerage

6

138

b)

Net Profit (loss) on sale of investments

-

14

c)

Net Profit (loss) on revaluation of investments

-

-

d)

Net Profit (loss) on sale of land, building

-

-

& other assets

e)

Net Profit (loss) on exchange transaction

(1)

-

f)

Miscellaneous income

-

14

Total (I+II)

153

1503

Expenditure & Provisions

III.

Interest expended

7

396

a)

Interest on deposits

7

396

b)

Interest on RBI/inter-bank borrowings

-

-

c)

Others

-

-

IV.

Operating expenses

122

280

a)

Payments to and provisions for employees

13

46

b)

Rent, taxes and lighting

42

96

c)

Printing and stationery

2

2

d)

Advertisement and publicity

-

-

e)

Depreciation on Bank's property

10

34

f)

Directors' fees, allowances and expenses

-

-

g)

Auditors' fees and expenses

5

2

h)

Law charges

6

3

i)

Postage, telegrams, telephones, etc.

4

6

j)

Repairs and maintenance

2

6

k)

Insurance

1

3

l)

Other expenditure

38

82

V.

Provisions and contingencies

15

419

Total expenses

144

1095

VI.

Profit (loss)

9

408

Total (III+IV+V+VI)

153

1503

Note

:

Figures in bracket indicate loss.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.