FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Sakura Bank

Sanwa Bank

Societe Generale

Sonali Bank

1997

1998

1997

1998

1997

1998

1997

1998

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

Income

I.

Interest Earned

10214

9766

4185

3851

15297

11364

73

107

a)

Interest/discount on advances/bills

8286

7713

3511

2969

10960

6968

29

85

b)

Income on Investments

1668

1683

671

852

3453

3709

30

15

c)

Interest on balances with

260

361

2

30

818

680

13

7

RBI and other inter-bank funds

d)

Others

1

9

-

-

66

7

1

-

II.

Other income

-878

-1812

-686

277

1265

1780

393

459

a)

Commission, exchange and brokerage

349

532

213

191

440

430

371

299

b)

Net Profit on sale of investments

-

-

76

-

-108

716

-

-

c)

Net Profit on sale of land,

-3

-

-

-

-4

-

-

-

building & other assets

d)

Net Profit on exchange transaction

-1228

-2929

-1053

47

911

607

-

158

e)

Miscellaneous income

3

585

78

39

26

27

22

2

Total (I+II)

9337

7953

3498

4128

16563

13144

467

566

Expenditure & Provisions

III.

Interest expended

3695

3807

1813

1823

11782

9021

34

54

a)

Interest on deposits

809

461

994

1352

8747

6536

23

25

b)

Interest on RBI/inter-bank borrowings

2884

3346

358

245

3035

2485

5

4

c)

Others

1

-

461

226

-

-

5

25

IV.

Operating expenses

728

1080

481

535

1431

1761

143

165

a)

Payments to and provisions for employees

238

279

96

115

421

509

66

78

b)

Rent, taxes and lighting

166

373

117

123

83

99

31

30

c)

Printing and stationery

20

22

15

16

18

22

3

2

d)

Advertisement and publicity

2

1

-

1

8

3

1

-

e)

Depreciation on Bank's property

151

155

60

71

360

337

1

3

f)

Directors' fees, allowances and expenses

-

-

-

-

1

1

-

-

g)

Auditors' fees and expenses

2

3

3

2

1

2

-

-

h)

Law charges

-

-

3

9

4

13

1

-

i)

Postage, telegrams, telephones, etc.

23

41

45

43

122

140

9

9

j)

Repairs and maintenance

12

34

23

22

58

59

1

2

k)

Insurance

8

16

7

6

36

42

1

1

l)

Other expenditure

105

155

113

127

319

535

30

38

V.

Provisions and contingencies

2425

2909

725

1400

1900

1327

159

166

Total expenses*

4423

4887

2293

2358

13213

10782

177

219

VI.

Profit

2490

157

480

370

1449

1035

130

180

Total (III+IV+V+VI)

9337

7953

3498

4128

16563

13144

467

566

(Amount in Rs. lakh)

For the year ended 31st March

Standard Chartered

State Bank of

Sumitomo

The Fuji

Items

Bank

Mauritius

Bank

Bank

1997

1998

1997

1998

1997

1998

1997

1998

(73)

(74)

(75)

(76)

(77)

(78)

(79)

(80)

Income

I.

Interest Earned

54861

69363

810

1630

785

357

1338

a)

Interest/discount on advances/bills

38716

47983

581

1465

655

214

1143

b)

Income on Investments

13462

18223

96

131

89

12

134

c)

Interest on balances with

1016

1885

133

-

41

131

60

RBI and other inter-bank funds

d)

Others

1666

1272

-

33

-

-

-

II.

Other income

14421

20276

125

370

365

20

175

a)

Commission, exchange and brokerage

7810

12124

33

80

280

17

76

b)

Net Profit on sale of investments

1452

2438

-

22

14

-

-

c)

Net Profit on sale of land,

-32

-

-

-

-

-

-

building & other assets

d)

Net Profit on exchange transaction

4898

5271

90

243

68

4

98

e)

Miscellaneous income

293

444

2

25

3

-

-

Total (I+II)

69282

89640

935

1999

1149

377

1512

Expenditure & Provisions

III.

Interest expended

35298

46499

110

371

353

23

383

a)

Interest on deposits

33516

40737

96

276

280

11

118

b)

Interest on RBI/inter-bank borrowings

1781

5759

12

95

67

11

265

c)

Others

1

3

3

-

6

-

-

IV.

Operating expenses

24567

26311

192

246

432

864

594

a)

Payments to and provisions for employees

10178

8116

54

66

96

84

112

b)

Rent, taxes and lighting

817

1480

45

49

89

408

353

c)

Printing and stationery

1096

892

2

3

6

7

3

d)

Advertisement and publicity

1503

1244

3

5

3

2

-

e)

Depreciation on Bank's property

798

1225

52

61

29

70

25

f)

Directors' fees, allowances and expenses

4

2

-

-

-

-

-

g)

Auditors' fees and expenses

16

17

1

1

3

2

2

h)

Law charges

652

1607

1

-

5

13

1

i)

Postage, telegrams, telephones, etc.

2072

2078

10

21

47

24

21

j)

Repairs and maintenance

1538

2260

4

3

19

12

7

k)

Insurance

366

408

1

2

-

2

5

l)

Other expenditure

5526

6982

19

35

136

239

64

V.

Provisions and contingencies

5094

10160

300

511

163

6

77

Total expenses*

59865

72810

302

617

785

887

976

VI.

Profit

4322

6670

332

870

201

-516

459

Total (III+IV+V+VI)

69282

89640

935

1999

1149

377

1512

(Amount in Rs. lakh)

For the year ended 31st March

Items

The Siam Commercial Bank

Toronto Dominion Bank

1997

1998

1997

1998

(81)

(82)

(83)

(84)

Income

I.

Interest Earned

1338

2287

219

a)

Interest/discount on advances/bills

1162

1874

191

b)

Income on Investments

33

280

1

c)

Interest on balances with

143

133

27

RBI and other inter-bank funds

d)

Others

-

-

-

II.

Other income

165

248

390

a)

Commission, exchange and brokerage

138

123

377

b)

Net Profit on sale of investments

14

149

14

c)

Net Profit on sale of land,

-

-

-

building & other assets

d)

Net Profit on exchange transaction

-

-30

-

e)

Miscellaneous income

14

6

-1

Total (I+II)

1503

2535

610

Expenditure & Provisions

III.

Interest expended

396

1242

2

a)

Interest on deposits

396

191

-

b)

Interest on RBI/inter-bank borrowings

-

1051

2

c)

Others

-

-

-

IV.

Operating expenses

280

294

322

a)

Payments to and provisions for employees

46

52

51

b)

Rent, taxes and lighting

96

100

63

c)

Printing and stationery

2

2

2

d)

Advertisement and publicity

-

-

-

e)

Depreciation on Bank's property

34

45

24

f)

Directors' fees, allowances and expenses

-

-

-

g)

Auditors' fees and expenses

2

5

1

h)

Law charges

3

1

25

i)

Postage, telegrams, telephones, etc.

6

6

18

j)

Repairs and maintenance

6

5

11

k)

Insurance

3

-

1

l)

Other expenditure

82

77

124

V.

Provisions and contingencies

419

387

161

Total expenses*

675

1535

324

VI.

Profit

408

613

124

Total (III+IV+V+VI)

1503

2535

610

Note

: *Excluding 'Provisions and Contingencies'.

-

: Nil or negligible.