Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 7 of 26) - ആർബിഐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 7 of 26)
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) | | 12919 | 17069 | | 12832 | 15028 | | 8710 | 6547 | | 12336 | 13361 |
Note | : | Figures in bracket indicate loss. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |