B2 : Earnings and Expenses Of Scheduled Commercial Banks : 2003-04 and 2004-05 (Part 2 of 3)

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ಪ್ರಕಟಿಸಲಾದ ದಿನಾಂಕ ಅಕ್ಟೋಬರ್ 14, 2005

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B2 : Earnings and Expenses Of Scheduled Commercial Banks : 2003-04 and 2004-05 (Part 2 of 3)

			(Amount in Rs. lakh)

			As on March 31

			Arab Bangladesh		Bank International		Bank	of	Bank of Bahrain &
			Bank		Indonesia		America		Kuwait
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I.	Interest Earned		362	299	375	355	28015	25718	3963	3432
	a)	Interest/discount on advances/bills	122	110	118	84	16358	15357	2073	1633
	b)	Income on Investments	43	33	199	188	10092	8537	1819	1318
	c)	Interest on balances with	197	156	58	83	1316	977	71	103
		RBI and other inter-bank funds
	d)	Others	—	—	—	—	249	847	—	378

II.	Other income		395	368	14	(35)	8138	11873	1440	247
	a)	Commission, exchange and brokerage	300	289	10	4	2900	2992	316	284
	b)	Net Profit (loss) on sale of investments	—	—	(4)	(106)	396	(1654)	737	(269)
	c)	Net Profit (loss) on revaluation of	36	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	—	—	—	—	52	87	(1)	1
		other assets
	e)	Net Profit (loss) on exchange transaction	—	38	10	(14)	1945	6952	106	74
	f)	Miscellaneous income	59	41	(2)	81	2845	3496	282	157

	Total (I+II)		757	667	389	320	36153	37591	5403	3679

Expenditure & Provisions
III.	Interest expended		58	52	75	69	16271	12757	3236	2178
	a)	Interest on deposits	49	28	47	40	6451	4920	2589	1756
	b)	Interest on RBI/inter-bank borrowings	9	24	24	27	9820	7837	592	369
	c)	Others	—	—	4	2	—	—	55	53

IV.	Operating expenses		174	190	307	286	7924	9100	1319	1319
	a)	Payments to and provisions for employees	55	60	57	69	3344	4338	530	507
	b)	Rent, taxes and lighting	13	9	34	14	879	901	270	251
	c)	Printing and stationery	13	6	11	12	116	118	14	13
	d)	Advertisement and publicity	4	7	1	1	—	—	2	2
	e)	Depreciation on Bank’s property	17	17	66	68	1018	719	172	176
	f)	Directors’ fees, allowances and expenses	1	1	—	—	5	—	5	1
	g)	Auditors’ fees and expenses	1	1	3	3	13	9	6	5
	h)	Law charges	1	—	—	—	77	38	30	6
	i)	Postage, telegrams, telephones, etc.	19	20	24	28	496	455	52	46
	j)	Repairs and maintenance	8	9	52	23	302	248	14	58
	k)	Insurance	3	3	4	4	83	140	22	32
	l)	Other expenditure	39	57	55	64	1591	2134	202	222

V.	Provisions and contingencies		216	179	27	51	5540	7691	765	2448

	Total expenses @		232	242	382	355	24195	21857	4555	3497

VI.	Profit (loss)		309	246	(20)	(86)	6418	8043	83	(2266)

	Total (III+IV+V+VI)		757	667	389	320	36153	37591	5403	3679
Notes @:Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Bank	of	Bank of		Bank	of	Barclays
			Ceylon		Nova	Scotia	Tokyo Mitsubishi		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

Income
I.	Interest Earned		1033	848	14095	15896	7771	5703	3029	3134
	a)	Interest/discount on advances/bills	806	550	8484	10242	3549	2923	12	59
	b)	Income on Investments	216	152	5100	4499	1598	1632	2630	2537
	c)	Interest on balances with	11	146	152	800	1259	611	107	149
		RBI and other inter-bank funds
	d)	Others	—	—	359	355	1365	537	280	389

II.	Other income		501	582	4903	5192	7938	5731	11814	12647
	a)	Commission, exchange and brokerage	219	236	900	819	495	547	325	1427
	b)	Net Profit (loss) on sale of investments	53	—	770	54	6260	—	2415	675
	c)	Net Profit (loss) on revaluation of	—	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	—	—	(2)	4	(7)	(46)	(6)	(1)
		other assets
	e)	Net Profit (loss) on exchange transaction	181	221	1658	2540	952	1097	(452)	1256
	f)	Miscellaneous income	48	125	1577	1775	238	4133	9532	9290

	Total (I+II)		1534	1430	18998	21088	15709	11434	14843	15781

Expenditure & Provisions
III.	Interest expended		624	531	9695	10754	2055	1584	728	857
	a)	Interest on deposits	620	530	8545	9270	1571	1090	137	321
	b)	Interest on RBI/inter-bank borrowings	4	1	1031	1246	6	21	570	415
	c)	Others	—	—	119	238	478	473	21	121

IV.	Operating expenses		311	241	3215	3462	4101	3384	2488	3136
	a)	Payments to and provisions for employees	67	79	1183	1304	2455	1485	1886	1823
	b)	Rent, taxes and lighting	38	35	475	461	483	498	137	203
	c)	Printing and stationery	4	5	49	55	49	44	8	13
	d)	Advertisement and publicity	1	2	3	3	2	3	2	9
	e)	Depreciation on Bank’s property	11	11	155	170	345	315	229	357
	f)	Directors’ fees, allowances and expenses	—	—	—	—	—	—	10	—
	g)	Auditors’ fees and expenses	1	1	13	11	7	5	13	9
	h)	Law charges	24	10	113	60	33	31	10	4
	i)	Postage, telegrams, telephones, etc.	40	36	136	142	86	73	165	170
	j)	Repairs and maintenance	9	9	188	207	176	163	49	46
	k)	Insurance	1	1	47	110	41	63	9	7
	l)	Other expenditure	115	52	853	939	424	704	(30)	495

V.	Provisions and contingencies		527	443	4293	8049	1294	5409	4440	5538

	Total expenses @		935	772	12910	14216	6156	4968	3216	3993

VI.	Profit (loss)		72	215	1795	(1177)	8259	1057	7188	6250

	Total (III+IV+V+VI)		1534	1430	18998	21088	15709	11434	14843	15781
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			BNP		Calyon		Chinatrust		Chohung
			Paribas		Bank		Commercial Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

Income
I.	Interest Earned		17775	17623	5827	11704	1267	909	1015	1265
	a)	Interest/discount on advances/bills	9228	8101	1127	4998	843	595	398	439
	b)	Income on Investments	8112	9004	3783	6289	418	297	264	348
	c)	Interest on balances with	395	422	884	417	6	17	352	452
		RBI and other inter-bank funds
	d)	Others	40	96	33	—	—	—	1	26

II.	Other income		4431	6760	(655)	2246	135	142	443	494
	a)	Commission, exchange and brokerage	1229	1996	517	1007	58	45	320	275
	b)	Net Profit (loss) on sale of investments	(1622)	(2808)	(436)	348	(33)	—	30	(12)
	c)	Net Profit (loss) on revaluation of	—	(18)	—	(1371)	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	—	1612	(2)	20	—	—	—	—
		other assets
	e)	Net Profit (loss) on exchange transaction	3730	3769	(757)	2127	36	22	80	209
	f)	Miscellaneous income	1094	2209	23	115	74	75	13	22

	Total (I+II)		22206	24383	5172	13950	1402	1051	1458	1759

Expenditure & Provisions
III.	Interest expended		9944	9062	3840	9792	400	331	213	288
	a)	Interest on deposits	7041	5621	460	7727	355	228	77	123
	b)	Interest on RBI/inter-bank borrowings	2109	2812	3380	2020	18	98	11	13
	c)	Others	794	629	—	45	27	5	125	152

IV.	Operating expenses		8734	9665	1524	5301	422	451	373	441
	a)	Payments to and provisions for employees	4151	4634	582	2037	130	130	105	120
	b)	Rent, taxes and lighting	598	620	64	143	112	116	107	101
	c)	Printing and stationery	134	127	5	27	4	2	4	6
	d)	Advertisement and publicity	42	115	2	117	1	1	1	1
	e)	Depreciation on Bank’s property	602	596	198	307	64	61	20	26
	f)	Directors’ fees, allowances and expenses	1	—	1	—	—	—	1	—
	g)	Auditors’ fees and expenses	3	4	3	3	5	5	2	2
	h)	Law charges	60	20	15	32	19	19	1	—
	i)	Postage, telegrams, telephones, etc.	286	292	46	93	8	7	11	12
	j)	Repairs and maintenance	427	585	83	158	8	9	27	22
	k)	Insurance	81	144	19	44	9	9	4	10
	l)	Other expenditure	2349	2528	506	2340	62	92	90	141

V.	Provisions and contingencies		4837	4178	(543)	438	434	1163	458	451

	Total expenses @		18678	18727	5364	15093	822	782	586	729

VI.	Profit (loss)		(1309)	1478	354	(1581)	146	(894)	414	579

	Total (III+IV+V+VI)		22206	24383	5175	13950	1402	1051	1458	1759
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.


								(Amount in Rs. lakh)

						As on March 31

			Citibank		Credit		DBS		Deutsche
					Lyonnais #		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

Income
I.	Interest Earned		227951	220270	10704		2962	3454	30091	39016
	a)	Interest/discount on advances/bills	138470	151187	4692		1433	1098	9275	12446
	b)	Income on Investments	74878	55242	5867		745	1744	14536	10998
	c)	Interest on balances with	14258	12728	145		784	612	6090	15482
		RBI and other inter-bank funds
	d)	Others	345	1113	—		—	—	190	90

II.	Other income		88706	94379	3100		284	356	60469	40808
	a)	Commission, exchange and brokerage	46235	60719	703		238	289	8061	10525
	b)	Net Profit (loss) on sale of investments	9328	(11052)	(202)		(48)	(34)	10344	476
	c)	Net Profit (loss) on revaluation of	—	—	—		—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	7	78	—		(3)	(22)	(2)	429
		other assets
	e)	Net Profit (loss) on exchange transaction	30369	39312	2270		97	123	40694	27250
	f)	Miscellaneous income	2767	5322	329		—	—	1372	2128

	Total (I+II)		316657	314649	13804		3246	3810	90560	79824

Expenditure & Provisions
III.	Interest expended		92374	75210	8440		1356	852	22834	30470
	a)	Interest on deposits	79445	61737	8323		859	456	3306	4445
	b)	Interest on RBI/inter-bank borrowings	8703	9190	86		497	396	19500	26015
	c)	Others	4226	4283	31		—	—	28	10

IV.	Operating expenses		100953	122288	3198		698	1846	17193	27473
	a)	Payments to and provisions for employees	25208	24391	1601		353	1040	6362	7632
	b)	Rent, taxes and lighting	5693	7711	286		90	164	1185	1244
	c)	Printing and stationery	2454	2847	14		3	6	164	181
	d)	Advertisement and publicity	11405	16377	53		1	9	45	161
	e)	Depreciation on Bank’s property	7377	8260	159		54	161	1118	1171
	f)	Directors’ fees, allowances and expenses	5	—	2		—	—	8	—
	g)	Auditors’ fees and expenses	16	28	3		4	2	17	20
	h)	Law charges	614	151	1		1	19	19	55
	i)	Postage, telegrams, telephones, etc.	6213	8339	52		71	121	1165	2070
	j)	Repairs and maintenance	5825	7843	27		4	11	669	847
	k)	Insurance	1736	1461	14		7	13	143	370
	l)	Other expenditure	34407	44880	986		110	300	6298	13722

V.	Provisions and contingencies		66167	57149	1198		1990	212	23268	14163

	Total expenses @		193327	197498	11638		2054	2698	40027	57943

VI.	Profit (loss)		57163	60002	968		(798)	900	27265	7718

	Total (III+IV+V+VI)		316657	314649	13804		3246	3810	90560	79824

Notes @:Excluding ‘Provisions and Contingencies’. #:See ‘Explanatory Notes’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

		Hongkong		& Shanghai	ING		JP Morgan Chase		Krung	Thai
			Banking Corporation		Bank		Bank		Bank
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)

Income
I.	Interest Earned		141396	162683	182	259	3738	3996	330	372
	a)	Interest/discount on advances/bills	74930	87408	110	2	—	7	133	134
	b)	Income on Investments	63406	69476	23	—	3246	1799	56	145
	c)	Interest on balances with	2422	3735	49	79	387	504	140	93
		RBI and other inter-bank funds
	d)	Others	638	2064	—	178	105	1686	1	—

II.	Other income		70537	66107	316	132	2070	9270	16	27
	a)	Commission, exchange and brokerage	26150	35284	175	—	6	12	17	19
	b)	Net Profit (loss) on sale of investments	15310	(8204)	(10)	—	1677	(180)	—	(1)
	c)	Net Profit (loss) on revaluation of	—	—	—	—	13	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	346	(396)	—	—	2	4	(2)	—
		other assets
	e)	Net Profit (loss) on exchange transaction	17913	25157	—	—	(1323)	1835	(2)	8
	f)	Miscellaneous income	10818	14266	151	132	1695	7599	3	1

	Total (I+II)		211933	228790	498	391	5808	13266	346	399

Expenditure & Provisions
III.	Interest expended		72282	64444	134	—	907	1626	28	57
	a)	Interest on deposits	50218	43075	134	—	660	1506	28	57
	b)	Interest on RBI/inter-bank borrowings	19042	16114	—	—	146	59	—	—
	c)	Others	3022	5255	—	—	101	61	—	—

IV.	Operating expenses		62425	67848	295	53	2325	2695	223	242
	a)	Payments to and provisions for employees	23146	23538	43	—	1241	1308	54	60
	b)	Rent, taxes and lighting	4737	4073	19	—	158	152	97	87
	c)	Printing and stationery	1107	1436	4	—	17	12	1	2
	d)	Advertisement and publicity	1622	3050	—	—	4	3	1	1
	e)	Depreciation on Bank’s property	5914	4995	—	—	48	83	11	25
	f)	Directors’ fees, allowances and expenses	8	—	—	—	1	—	1	—
	g)	Auditors’ fees and expenses	10	10	4	6	10	8	3	2
	h)	Law charges	295	355	—	—	12	9	6	1
	i)	Postage, telegrams, telephones, etc.	3251	4020	8	—	82	96	5	5
	j)	Repairs and maintenance	1703	2109	7	—	89	57	9	12
	k)	Insurance	1216	1798	—	—	10	43	1	1
	l)	Other expenditure	19416	22464	210	47	653	924	34	46

V.	Provisions and contingencies		37848	60808	74	809	968	4259	16	98

	Total expenses @		134707	132292	429	53	3232	4321	251	299

VI.	Profit (loss)		39378	35690	(5)	(471)	1608	4686	79	2

	Total (III+IV+V+VI)		211933	228790	498	391	5808	13266	346	399
Notes @:Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

			(Amount in Rs. lakh)

			As on March 31

			Mashreq		Mizuho	Corporate	Oman		Societe
			Bank		Bank		International Bank		Generale
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)

Income
I.	Interest Earned		3443	2883	2005	1726	2115	1790	2960	3746
	a)	Interest/discount on advances/bills	640	133	1380	1154	138	49	654	802
	b)	Income on Investments	2426	2359	269	561	922	1074	1863	2745
	c)	Interest on balances with	340	304	356	9	1052	644	443	199
		RBI and other inter-bank funds
	d)	Others	37	87	—	2	3	23	—	—

II.	Other income		246	367	307	622	668	169	2013	1031
	a)	Commission, exchange and brokerage	193	292	167	488	63	53	694	597
	b)	Net Profit (loss) on sale of investments	—	—	—	—	421	4	332	152
	c)	Net Profit (loss) on revaluation of	—	—	—	—	—	—	—	—
		investments
	d)	Net Profit (loss) on sale of land, building &	(1)	(1)	—	3	2	—	(1)	1
		other assets
	e)	Net Profit (loss) on exchange transaction	36	70	140	131	100	84	53	59
	f)	Miscellaneous income	18	6	—	—	82	28	935	222

	Total (I+II)		3689	3250	2312	2348	2783	1959	4973	4777

Expenditure & Provisions
III.	Interest expended		2615	2459	680	582	2304	1484	1581	1986
	a)	Interest on deposits	2606	2454	263	273	2147	1394	665	1814
	b)	Interest on RBI/inter-bank borrowings	9	5	329	223	157	90	915	172
	c)	Others	—	—	88	86	—	—	1	—

IV.	Operating expenses		439	365	765	815	567	520	1476	1658
	a)	Payments to and provisions for employees	129	96	338	375	154	138	646	754
	b)	Rent, taxes and lighting	102	87	164	163	44	36	113	120
	c)	Printing and stationery	6	5	7	2	5	4	12	12
	d)	Advertisement and publicity	—	—	1	1	3	1	2	1
	e)	Depreciation on Bank’s property	29	31	52	59	132	124	316	326
	f)	Directors’ fees, allowances and expenses	—	—	1	—	1	1	2	—
	g)	Auditors’ fees and expenses	2	2	3	3	9	6	2	3
	h)	Law charges	11	7	15	3	32	48	16	4
	i)	Postage, telegrams, telephones, etc.	19	3	20	34	20	13	111	108
	j)	Repairs and maintenance	24	20	13	22	27	23	54	52
	k)	Insurance	5	5	3	2	19	25	16	46
	l)	Other expenditure	112	109	148	151	121	101	186	232

V.	Provisions and contingencies		27	54	161	(20)	119	1342	417	(390)

	Total expenses @		3054	2824	1445	1397	2871	2004	3057	3644

VI.	Profit (loss)		608	372	706	971	(207)	(1387)	1499	1523

	Total (III+IV+V+VI)		3689	3250	2312	2347	2783	1959	4973	4777
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.


			(Amount in Rs. lakh)

			As on March 31

			Sonali		Standard		State Bank of		Sumitomo	Mitsui
			Bank		Chartered Bank		Mauritius		Bank	#
		Items
			2004	2005	2004	2005	2004	2005	2004	2005

			(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)

Income
I.	Interest Earned		138	143	252319	249295	2945	3613	4475
	a)	Interest/discount on advances/bills	52	65	152870	167479	1617	2057	2632
	b)	Income on Investments	50	45	89312	70199	1149	778	1137
	c)	Interest on balances with	8	21	2758	3688	168	778	595
		RBI and other inter-bank funds
	d)	Others	28	12	7379	7929	11	—	111

II.	Other income		428	486	69936	52543	1439	208	612
	a)	Commission, exchange and brokerage	385	400	37058	43523	194	110	488
	b)	Net Profit (loss) on sale of investments	—	—	6390	(25746)	979	(33)	—
	c)	Net Profit (loss) on revaluation of	—	—	—	705	—	—	(52)
		investments
	d)	Net Profit (loss) on sale of land, building &	—	—	623	—	—	2	—
		other assets
	e)	Net Profit (loss) on exchange transaction	40	83	22383	33314	233	96	174
	f)	Miscellaneous income	3	3	3482	747	33	33	2

	Total (I+II)		566	629	322255	301838	4384	3821	5087

Expenditure & Provisions
III.	Interest expended		88	81	107064	110744	1651	2264	1211
	a)	Interest on deposits	58	67	71457	70037	944	1001	468
	b)	Interest on RBI/inter-bank borrowings	—	—	21007	17767	707	1263	742
	c)	Others	30	14	14600	22940	—	—	1

IV.	Operating expenses		253	300	77493	84219	468	460	1425
	a)	Payments to and provisions for employees	136	160	22037	28578	163	136	594
	b)	Rent, taxes and lighting	54	56	3875	4382	30	26	406
	c)	Printing and stationery	3	5	2826	2848	4	5	35
	d)	Advertisement and publicity	1	2	2947	3988	4	3	—
	e)	Depreciation on Bank’s property	6	4	5780	2684	67	88	84
	f)	Directors’ fees, allowances and expenses	—	—	—	—	—	—	—
	g)	Auditors’ fees and expenses	2	3	32	37	2	2	8
	h)	Law charges	—	1	3749	2162	9	8	23
	i)	Postage, telegrams, telephones, etc.	14	22	4267	4810	52	61	28
	j)	Repairs and maintenance	1	1	5239	7719	24	27	100
	k)	Insurance	3	4	1045	1611	8	16	7
	l)	Other expenditure	33	42	25696	25400	105	88	140

V.	Provisions and contingencies		106	107	78051	46717	1691	549	9718

	Total expenses @		341	381	184557	194963	2119	2724	2636

VI.	Profit (loss)		119	141	59647	60158	574	548	(7267)

	Total (III+IV+V+VI)		566	629	322255	301838	4384	3821	5087
Notes @:Excluding ‘Provisions and Contingencies’. #:See ‘Explanatory Notes’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.

(Amount in Rs. lakh)

			As on March 31

				UFJ
				Bank
		Items
			2005	2004

			(65)	(66)

Income
I.	Interest Earned		1653	1627
	a)	Interest/discount on advances/bills	921	533
	b)	Income on Investments	284	370
	c)	Interest on balances with	448	—
		RBI and other inter-bank funds
	d)	Others	—	724

II.	Other income		379	514
	a)	Commission, exchange and brokerage	149	175
	b)	Net Profit (loss) on sale of investments	—	(3)
	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	198	325
	f)	Miscellaneous income	32	17

	Total (I+II)		2032	2141

Expenditure & Provisions
III.	Interest expended		224	199
	a)	Interest on deposits	195	144
	b)	Interest on RBI/inter-bank borrowings	14	1
	c)	Others	15	54

IV.	Operating expenses		593	595
	a)	Payments to and provisions for employees	190	211
	b)	Rent, taxes and lighting	185	168
	c)	Printing and stationery	13	12
	d)	Advertisement and publicity	1	1
	e)	Depreciation on Bank’s property	57	56
	f)	Directors’ fees, allowances and expenses	—	—
	g)	Auditors’ fees and expenses	3	3
	h)	Law charges	2	2
	i)	Postage, telegrams, telephones, etc.	7	7
	j)	Repairs and maintenance	33	29
	k)	Insurance	2	1
	l)	Other expenditure	100	105

V.	Provisions and contingencies		625	665

	Total expenses @		817	794

VI.	Profit (loss)		590	682

	Total (III+IV+V+VI)		2032	2141
Notes @: Excluding ‘Provisions and Contingencies’. 1.Figures in brackets indicate loss. Source: Annual accounts of banks of respective years.