FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Morgan Guaranty

Oman International

Overseas

Sakura

Items

Trust

Bank

Chinese Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

Income

I.

Interest Earned

408

4252

4007

293

489

9766

9331

a)

Interest/discount on advances/bills

-

2576

2289

90

79

7713

6968

b)

Income on investments

377

1133

1160

59

88

1683

1611

c)

Interest on balances with

31

485

504

145

153

361

735

RBI and other inter-bank funds

d)

Others

-

57

53

-

169

9

17

II.

Other income

113

869

1012

94

195

(1812)

(1878)

a)

Commission, exchange and brokerage

-

320

379

15

55

532

574

b)

Net profit on sale of investments

112

(54)

-

-

-

-

-

c)

Net profit on revaluation of investments

-

-

(50)

-

-

-

-

d)

Net profit on sale of land,

-

2

1

-

-

-

-

building & other assets

e)

Net profit on exchange transaction

-

538

580

79

136

(2929)

(2457)

f)

Miscellaneous income

1

63

102

-

4

585

5

Total(I+II)

521

5120

5019

388

684

7953

7453

Expenditure & Provisions

III.

Interest expended

233

3761

4273

29

100

3807

4658

a)

Interest on deposits

70

3341

3869

11

33

461

1461

b)

Interest on RBI/inter-bank borrowings

108

409

403

18

67

3346

3196

c)

Others

55

11

-

-

-

-

-

IV.

Operating expenses

1420

699

726

314

313

1080

1178

a)

Payments to and provisions for employees

819

183

174

107

110

279

341

b)

Rent, taxes and lighting

115

32

32

129

132

373

436

c)

Printing and stationery

42

25

16

3

2

22

23

d)

Advertisement and publicity

-

13

1

1

1

1

-

e)

Depreciation on bank's property

99

178

164

12

14

155

137

f)

Directors' fees, allowances and expenses

-

4

2

-

-

-

-

g)

Auditors' fees and expenses

1

2

3

2

2

3

4

h)

Law charges

11

10

19

-

-

-

2

i)

Postage, telegrams, telephones, etc.

83

33

34

24

22

41

47

j)

Repairs and maintenance

2

20

29

25

4

34

36

k)

Insurance

-

17

18

-

1

16

18

l)

Other expenditure

248

182

235

11

24

155

134

V.

Provisions and contingencies

-

986

1358

7

36

2909

4207

Total expenses@

1653

4459

4999

343

412

4887

5836

VI.

Profit

(1132)

(325)

(1338)

38

236

157

(2590)

Total (III+IV+V+VI)

521

5120

5019

388

684

7953

7453

FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Sanwa

Societe

Sonali

Standard Chartered

Items

Bank

Generale

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(73)

(74)

(75)

(76)

(77)

(78)

(79)

(80)

Income

I.

Interest Earned

3851

3214

11364

10272

107

208

69363

87600

a)

Interest/discount on advances/bills

2969

2442

6968

5720

85

96

47983

52824

b)

Income on investments

852

681

3709

3862

15

71

18223

25832

c)

Interest on balances with

30

91

680

613

7

38

1885

5257

RBI and other inter-bank funds

d)

Others

-

-

7

77

-

3

1272

3687

II.

Other income

277

454

1780

1707

459

569

20276

21496

a)

Commission, exchange and brokerage

191

165

430

609

299

377

12124

14316

b)

Net profit on sale of investments

-

52

716

(56)

-

-

2438

572

c)

Net profit on revaluation of investments

-

-

-

-

-

-

(38)

-

d)

Net profit on sale of land,

-

-

-

-

-

-

-

442

building & other assets

e)

Net profit on exchange transaction

47

223

607

1079

158

189

5271

5731

f)

Miscellaneous income

39

15

27

74

2

4

482

435

Total(I+II)

4128

3668

13144

11979

566

777

89640

109096

Expenditure & Provisions

III.

Interest expended

1823

1619

9021

8304

54

91

46499

58485

a)

Interest on deposits

1352

1261

6536

5356

25

37

40737

50139

b)

Interest on RBI/inter-bank borrowings

245

347

2485

2948

4

10

5759

8330

c)

Others

226

11

-

-

25

44

3

16

IV.

Operating expenses

535

566

1761

1811

165

212

26311

25167

a)

Payments to and provisions for employees

115

146

509

704

78

111

8116

8997

b)

Rent, taxes and lighting

123

167

99

115

30

35

1480

2039

c)

Printing and stationery

16

20

22

25

2

6

892

1037

d)

Advertisement and publicity

1

-

3

4

-

1

1244

1250

e)

Depreciation on bank's property

71

82

337

337

3

5

1225

1024

f)

Directors' fees, allowances and expenses

-

-

1

1

-

-

2

9

g)

Auditors' fees and expenses

2

2

2

2

-

-

17

17

h)

Law charges

9

1

13

1

-

1

1607

919

i)

Postage, telegrams, telephones, etc.

43

29

140

139

9

9

2078

2325

j)

Repairs and maintenance

22

19

59

57

2

8

2260

2929

k)

Insurance

6

2

42

28

1

3

408

535

l)

Other expenditure

127

98

535

399

38

32

6982

4085

V.

Provisions and contingencies

1400

1194

1327

4109

166

228

10160

8537

Total expenses@

2358

2185

10782

10115

219

303

72810

83653

VI.

Profit

370

289

1035

(2245)

180

246

6670

16906

Total (III+IV+V+VI)

4128

3668

13144

11979

566

777

89640

109096

Notes

:

1. @Excluding 'Provisions and Contingencies'.

:

2. Figures in bracket indicate loss.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.

FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

State Bank of

Sumitomo

The Fuji

The Siam

Items

Mauritius

Bank

Bank

Commercial Bank

1998

1999

1998

1999

1998

1999

1998

1999

(81)

(82)

(83)

(84)

(85)

(86)

(87)

(88)

Income

I.

Interest Earned

1630

2357

785

3752

1338

2516

2287

1688

a)

Interest/discount on advances/bills

1465

1653

655

3347

1143

1890

1874

1301

b)

Income on investments

131

493

89

373

134

422

280

267

c)

Interest on balances with

-

212

41

31

60

205

133

120

RBI and other inter-bank funds

d)

Others

33

-

-

-

-

-

-

-

II.

Other income

370

522

365

582

175

152

248

152

a)

Commission, exchange and brokerage

80

150

280

375

76

67

123

125

b)

Net profit on sale of investments

22

34

14

113

-

-

149

10

c)

Net profit on revaluation of investments

16

-

-

-

-

-

-

-

d)

Net profit on sale of land,

-

(1)

-

(1)

-

-

(1)

(1)

building & other assets

e)

Net profit on exchange transaction

243

328

68

87

98

85

(30)

8

f)

Miscellaneous income

9

11

3

7

-

-

7

10

Total(I+II)

1999

2879

1149

4334

1512

2668

2535

1840

Expenditure & Provisions

III.

Interest expended

371

1484

353

2214

383

1402

1242

829

a)

Interest on deposits

276

1258

280

912

118

840

191

295

b)

Interest on RBI/inter-bank borrowings

95

212

67

1293

265

562

1051

535

c)

Others

-

13

6

9

-

-

-

-

IV.

Operating expenses

246

387

432

925

594

933

294

316

a)

Payments to and provisions for employees

66

97

96

466

112

449

52

54

b)

Rent, taxes and lighting

49

16

89

121

353

348

100

89

c)

Printing and stationery

3

4

6

5

3

3

2

1

d)

Advertisement and publicity

5

33

3

-

-

-

36

-

e)

Depreciation on bank's property

61

87

29

44

25

19

45

27

f)

Directors' fees, allowances and expenses

-

1

-

-

-

-

-

4

g)

Auditors' fees and expenses

1

2

3

7

2

2

5

-

h)

Law charges

-

4

5

1

1

6

1

1

i)

Postage, telegrams, telephones, etc.

21

54

47

44

21

18

6

7

j)

Repairs and maintenance

3

5

19

10

7

9

5

8

k)

Insurance

2

8

-

-

5

6

-

1

l)

Other expenditure

35

78

136

226

64

74

41

124

V.

Provisions and contingencies

511

440

163

603

77

295

387

324

Total expenses@

617

1871

785

3139

976

2336

1535

1146

VI.

Profit

870

568

201

592

459

37

613

371

Total (III+IV+V+VI)

1999

2879

1149

4334

1512

2668

2535

1840

FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Toronto

Items

Dominion Bank

1998

1999

(89)

(90)

Income

I.

Interest Earned

219

629

a)

Interest/discount on advances/bills

191

539

b)

Income on investments

1

6

c)

Interest on balances with

27

84

RBI and other inter-bank funds

d)

Others

-

-

II.

Other income

390

29

a)

Commission, exchange and brokerage

377

20

b)

Net profit on sale of investments

14

-

c)

Net profit on revaluation of investments

(1)

-

d)

Net profit on sale of land, building & other assets

-

-

e)

Net profit on exchange transaction

-

-

f)

Miscellaneous income

-

9

Total (I+II)

610

658

Expenditure & Provisions

III.

Interest expended

2

1

a)

Interest on deposits

-

-

b)

Interest on RBI/inter-bank borrowings

2

1

c)

Others

-

-

IV.

Operating expenses

322

237

a)

Payments to and provisions for employees

51

64

b)

Rent, taxes and lighting

63

62

c)

Printing and stationery

2

2

d)

Advertisement and publicity

-

1

e)

Depreciation on bank's property

24

19

f)

Directors' fees, allowances and expenses

-

-

g)

Auditors' fees and expenses

1

2

h)

Law charges

25

12

i)

Postage, telegrams, telephones, etc.

18

26

j)

Repairs and maintenance

11

9

k)

Insurance

1

1

l)

Other expenditure

124

39

V.

Provisions and contingencies

161

231

Total expenses@

324

237

VI.

Profit

124

190

Total (III+IV+V+VI)

610

658

Notes

:

1. @Excluding 'Provisions and Contingencies'.

:

2. Figures in bracket indicate loss.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.