Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 6 of 7) - आरबीआय - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 6 of 7)
FOREIGN BANKS |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||||
For the year ended 31st March |
|||||||||||||
Cho Hung |
Citibank |
Commercial Bank of |
Commerzbank |
||||||||||
Items |
Bank |
|
Korea |
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||||
|
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
|||
Income |
|||||||||||||
I. |
Interest Earned |
559 |
1141 |
108764 |
118739 |
40 |
426 |
2217 |
4583 |
||||
a) |
Interest/discount on advances/bills |
239 |
688 |
69652 |
78647 |
- |
63 |
1990 |
3147 |
||||
b) |
Income on Investments |
229 |
284 |
28116 |
29863 |
- |
38 |
220 |
1361 |
||||
c) |
Interest on balances with |
90 |
159 |
9653 |
10014 |
- |
8 |
7 |
75 |
||||
RBI and other inter-bank funds |
|||||||||||||
d) |
Others |
- |
10 |
1343 |
216 |
40 |
317 |
- |
- |
||||
II. |
Other income |
89 |
216 |
35275 |
42005 |
- |
35 |
755 |
990 |
||||
a) |
Commission, exchange and brokerage |
26 |
98 |
27606 |
29858 |
- |
19 |
530 |
606 |
||||
b) |
Net Profit on sale of investments |
- |
- |
2983 |
6757 |
- |
- |
6 |
2 |
||||
c) |
Net Profit on sale of land, |
- |
- |
- |
- |
- |
- |
- |
- |
||||
building & other assets |
|||||||||||||
d) |
Net Profit on exchange transaction |
36 |
89 |
4421 |
4808 |
- |
16 |
218 |
366 |
||||
e) |
Miscellaneous income |
27 |
29 |
266 |
582 |
- |
- |
1 |
11 |
||||
Total (I+II) |
649 |
1357 |
144039 |
160743 |
40 |
462 |
2972 |
5573 |
|||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
29 |
208 |
66086 |
71304 |
- |
40 |
1067 |
2740 |
||||
a) |
Interest on deposits |
5 |
11 |
53412 |
55234 |
- |
38 |
433 |
1624 |
||||
b) |
Interest on RBI/inter-bank borrowings |
13 |
125 |
3704 |
8900 |
- |
2 |
569 |
1049 |
||||
c) |
Others |
10 |
72 |
8970 |
7169 |
- |
- |
66 |
66 |
||||
IV. |
Operating expenses |
379 |
389 |
36899 |
41373 |
21 |
286 |
1804 |
1792 |
||||
a) |
Payments to and provisions for employees |
98 |
84 |
7291 |
7822 |
1 |
71 |
584 |
619 |
||||
b) |
Rent, taxes and lighting |
123 |
133 |
3010 |
3784 |
7 |
80 |
507 |
505 |
||||
c) |
Printing and stationery |
6 |
3 |
1400 |
1331 |
- |
2 |
20 |
17 |
||||
d) |
Advertisement and publicity |
2 |
- |
4934 |
4710 |
- |
- |
6 |
5 |
||||
e) |
Depreciation on Bank's property |
89 |
61 |
2148 |
3238 |
8 |
55 |
150 |
137 |
||||
f) |
Directors' fees, allowances and expenses |
- |
- |
10 |
11 |
- |
- |
2 |
2 |
||||
g) |
Auditors' fees and expenses |
2 |
2 |
30 |
30 |
2 |
2 |
2 |
2 |
||||
h) |
Law charges |
3 |
2 |
459 |
236 |
- |
- |
13 |
10 |
||||
i) |
Postage, telegrams, telephones, etc. |
12 |
13 |
2176 |
2496 |
- |
13 |
74 |
69 |
||||
j) |
Repairs and maintenance |
5 |
21 |
1460 |
2560 |
1 |
13 |
39 |
58 |
||||
k) |
Insurance |
2 |
5 |
1132 |
907 |
- |
1 |
10 |
20 |
||||
l) |
Other expenditure |
36 |
64 |
12849 |
14249 |
2 |
48 |
400 |
350 |
||||
V. |
Provisions and contingencies |
122 |
348 |
35581 |
36145 |
3 |
68 |
51 |
1126 |
||||
Total expenses* |
408 |
597 |
102985 |
112677 |
21 |
325 |
2871 |
4532 |
|||||
VI. |
Profit |
119 |
412 |
5472 |
11922 |
16 |
69 |
49 |
-84 |
||||
Total (III+IV+V+VI) |
649 |
1357 |
144039 |
160743 |
40 |
462 |
2972 |
5573 |
|||||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||||
For the year ended 31st March |
|||||||||||||
Credit |
Deutsche Bank |
Development Bank |
Dresdner Bank |
||||||||||
Items |
Lyonnais |
(Asia) |
of Singapore |
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||||
|
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
|||
Income |
|||||||||||||
I. |
Interest Earned |
11809 |
11579 |
31119 |
40437 |
1349 |
1368 |
3904 |
4469 |
||||
a) |
Interest/discount on advances/bills |
8953 |
8191 |
23690 |
25984 |
1161 |
694 |
1473 |
1587 |
||||
b) |
Income on Investments |
2259 |
2586 |
6318 |
12048 |
127 |
356 |
769 |
1922 |
||||
c) |
Interest on balances with |
558 |
650 |
890 |
1824 |
62 |
317 |
1662 |
960 |
||||
RBI and other inter-bank funds |
|||||||||||||
d) |
Others |
39 |
152 |
221 |
581 |
- |
- |
- |
- |
||||
II. |
Other income |
4058 |
2339 |
10684 |
15879 |
255 |
577 |
548 |
1361 |
||||
a) |
Commission, exchange and brokerage |
883 |
954 |
5794 |
7663 |
256 |
563 |
131 |
182 |
||||
b) |
Net Profit on sale of investments |
178 |
215 |
846 |
2620 |
- |
11 |
- |
- |
||||
c) |
Net Profit on sale of land, |
- |
-9 |
6 |
17 |
-3 |
- |
1 |
1 |
||||
building & other assets |
|||||||||||||
d) |
Net Profit on exchange transaction |
2918 |
1101 |
4020 |
5577 |
- |
- |
410 |
1178 |
||||
e) |
Miscellaneous income |
79 |
77 |
17 |
3 |
1 |
3 |
6 |
- |
||||
Total (I+II) |
15867 |
13918 |
41803 |
56317 |
1604 |
1945 |
4451 |
5830 |
|||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
11169 |
7957 |
13992 |
18511 |
728 |
1068 |
3216 |
3308 |
||||
a) |
Interest on deposits |
9479 |
5753 |
11199 |
13812 |
313 |
618 |
1079 |
1983 |
||||
b) |
Interest on RBI/inter-bank borrowings |
1296 |
1625 |
2400 |
4604 |
414 |
450 |
2138 |
1325 |
||||
c) |
Others |
394 |
579 |
393 |
94 |
- |
- |
- |
- |
||||
IV. |
Operating expenses |
1529 |
2158 |
8966 |
11076 |
410 |
428 |
1379 |
1501 |
||||
a) |
Payments to and provisions for employees |
431 |
913 |
2566 |
3797 |
148 |
149 |
331 |
419 |
||||
b) |
Rent, taxes and lighting |
133 |
132 |
484 |
566 |
55 |
49 |
299 |
303 |
||||
c) |
Printing and stationery |
27 |
21 |
195 |
221 |
4 |
3 |
10 |
12 |
||||
d) |
Advertisement and publicity |
44 |
24 |
166 |
91 |
10 |
2 |
1 |
4 |
||||
e) |
Depreciation on Bank's property |
90 |
112 |
1143 |
1110 |
51 |
42 |
175 |
178 |
||||
f) |
Directors' fees, allowances and expenses |
1 |
1 |
4 |
6 |
- |
- |
2 |
3 |
||||
g) |
Auditors' fees and expenses |
1 |
1 |
5 |
7 |
- |
2 |
2 |
2 |
||||
h) |
Law charges |
2 |
4 |
5 |
1 |
1 |
1 |
- |
- |
||||
i) |
Postage, telegrams, telephones, etc. |
95 |
106 |
366 |
496 |
18 |
20 |
77 |
87 |
||||
j) |
Repairs and maintenance |
28 |
34 |
549 |
697 |
4 |
5 |
4 |
18 |
||||
k) |
Insurance |
43 |
43 |
124 |
175 |
4 |
6 |
- |
11 |
||||
l) |
Other expenditure |
634 |
766 |
3360 |
3909 |
117 |
148 |
478 |
465 |
||||
V. |
Provisions and contingencies |
1676 |
4353 |
12743 |
14999 |
231 |
301 |
12 |
577 |
||||
Total expenses* |
12698 |
10115 |
22958 |
29587 |
1138 |
1496 |
4596 |
4810 |
|||||
VI. |
Profit |
1493 |
-551 |
6101 |
11731 |
235 |
149 |
-156 |
444 |
||||
Total (III+IV+V+VI) |
15867 |
13918 |
41803 |
56317 |
1604 |
1945 |
4451 |
5830 |
|||||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||||
For the year ended 31st March |
|||||||||||||
Grindlays |
Hanil |
Hongkong & |
International |
||||||||||
Items |
Bank |
Bank |
Shanghai Bank |
Netherlandene Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||||
|
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
|||
Income |
|||||||||||||
I. |
Interest Earned |
93541 |
105065 |
640 |
59699 |
63031 |
4212 |
4501 |
|||||
a) |
Interest/discount on advances/bills |
61817 |
61768 |
48 |
37214 |
34236 |
2765 |
2371 |
|||||
b) |
Income on Investments |
26401 |
34167 |
530 |
19757 |
22408 |
1019 |
1686 |
|||||
c) |
Interest on balances with |
4184 |
7854 |
60 |
2624 |
6253 |
416 |
438 |
|||||
RBI and other inter-bank funds |
|||||||||||||
d) |
Others |
1139 |
1276 |
2 |
105 |
135 |
13 |
6 |
|||||
II. |
Other income |
17917 |
26864 |
169 |
14065 |
20224 |
1446 |
2336 |
|||||
a) |
Commission, exchange and brokerage |
11594 |
14005 |
10 |
8539 |
9683 |
1111 |
1057 |
|||||
b) |
Net Profit on sale of investments |
89 |
5137 |
136 |
96 |
2010 |
170 |
823 |
|||||
c) |
Net Profit on sale of land, |
-14 |
-25 |
- |
-50 |
15 |
-1 |
-3 |
|||||
building & other assets |
|||||||||||||
d) |
Net Profit on exchange transaction |
6060 |
7669 |
25 |
5093 |
8290 |
165 |
458 |
|||||
e) |
Miscellaneous income |
187 |
79 |
|
-2 |
388 |
226 |
- |
- |
||||
Total (I+II) |
111457 |
131929 |
|
809 |
73764 |
83256 |
5658 |
6837 |
|||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
61818 |
58991 |
142 |
38494 |
37947 |
2241 |
3549 |
|||||
a) |
Interest on deposits |
48982 |
52445 |
84 |
37793 |
36605 |
698 |
1213 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
11688 |
4197 |
56 |
646 |
1297 |
1450 |
2111 |
|||||
c) |
Others |
1147 |
2349 |
1 |
55 |
45 |
93 |
225 |
|||||
IV. |
Operating expenses |
29827 |
27493 |
484 |
16302 |
20084 |
1354 |
1648 |
|||||
a) |
Payments to and provisions for employees |
17739 |
13467 |
101 |
5628 |
7228 |
508 |
570 |
|||||
b) |
Rent, taxes and lighting |
1884 |
2412 |
221 |
949 |
2086 |
66 |
103 |
|||||
c) |
Printing and stationery |
655 |
665 |
3 |
461 |
483 |
19 |
19 |
|||||
d) |
Advertisement and publicity |
1513 |
1886 |
1 |
785 |
919 |
15 |
26 |
|||||
e) |
Depreciation on Bank's property |
1570 |
1707 |
98 |
2242 |
2412 |
141 |
179 |
|||||
f) |
Directors' fees, allowances and expenses |
51 |
43 |
- |
11 |
9 |
2 |
3 |
|||||
g) |
Auditors' fees and expenses |
24 |
18 |
2 |
12 |
10 |
4 |
4 |
|||||
h) |
Law charges |
234 |
246 |
- |
21 |
42 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
991 |
1288 |
18 |
959 |
1077 |
88 |
137 |
|||||
j) |
Repairs and maintenance |
1244 |
1226 |
2 |
708 |
952 |
43 |
39 |
|||||
k) |
Insurance |
159 |
160 |
2 |
211 |
426 |
7 |
5 |
|||||
l) |
Other expenditure |
3763 |
4374 |
37 |
4315 |
4441 |
461 |
564 |
|||||
V. |
Provisions and contingencies |
10375 |
22437 |
70 |
10119 |
17951 |
635 |
564 |
|||||
Total expenses* |
91645 |
86484 |
626 |
54797 |
58031 |
3594 |
5198 |
||||||
VI. |
Profit |
9437 |
23007 |
|
113 |
8848 |
7274 |
-846 |
1075 |
||||
Total (III+IV+V+VI) |
111457 |
131929 |
|
809 |
73764 |
83256 |
5658 |
6837 |
|||||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||||
For the year ended 31st March |
|||||||||||||
Krung Thai |
Mashreq |
Oman International |
Overseas |
||||||||||
Items |
Bank |
Bank |
Bank |
Chinese Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
||||||
|
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
|||
Income |
|||||||||||||
I. |
Interest Earned |
56 |
497 |
5800 |
4165 |
5034 |
4252 |
46 |
293 |
||||
a) |
Interest/discount on advances/bills |
6 |
330 |
4487 |
2906 |
3567 |
2576 |
- |
90 |
||||
b) |
Income on Investments |
50 |
-22 |
1053 |
942 |
1044 |
1133 |
27 |
59 |
||||
c) |
Interest on balances with |
- |
25 |
230 |
195 |
374 |
485 |
18 |
145 |
||||
RBI and other inter-bank funds |
|||||||||||||
d) |
Others |
- |
165 |
29 |
121 |
49 |
57 |
- |
- |
||||
II. |
Other income |
24 |
298 |
-364 |
-203 |
656 |
869 |
2 |
94 |
||||
a) |
Commission, exchange and brokerage |
- |
7 |
308 |
221 |
298 |
320 |
2 |
15 |
||||
b) |
Net Profit on sale of investments |
24 |
277 |
20 |
- |
- |
-54 |
- |
- |
||||
c) |
Net Profit on sale of land, |
- |
- |
- |
-2 |
4 |
2 |
- |
- |
||||
building & other assets |
|||||||||||||
d) |
Net Profit on exchange transaction |
- |
14 |
-750 |
-472 |
439 |
538 |
- |
79 |
||||
e) |
Miscellaneous income |
- |
- |
58 |
50 |
-84 |
63 |
- |
- |
||||
Total (I+II) |
81 |
795 |
5435 |
3961 |
5690 |
5120 |
48 |
388 |
|||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
- |
216 |
3294 |
2521 |
3237 |
3761 |
- |
29 |
||||
a) |
Interest on deposits |
- |
13 |
2554 |
2118 |
3079 |
3341 |
- |
11 |
||||
b) |
Interest on RBI/inter-bank borrowings |
- |
192 |
740 |
403 |
104 |
409 |
- |
18 |
||||
c) |
Others |
- |
11 |
- |
- |
55 |
11 |
- |
- |
||||
IV. |
Operating expenses |
79 |
237 |
1097 |
1363 |
747 |
699 |
261 |
314 |
||||
a) |
Payments to and provisions for employees |
7 |
40 |
285 |
271 |
159 |
183 |
87 |
107 |
||||
b) |
Rent, taxes and lighting |
18 |
113 |
236 |
358 |
194 |
32 |
113 |
129 |
||||
c) |
Printing and stationery |
2 |
1 |
23 |
16 |
15 |
25 |
1 |
3 |
||||
d) |
Advertisement and publicity |
- |
- |
210 |
12 |
30 |
13 |
4 |
1 |
||||
e) |
Depreciation on Bank's property |
2 |
10 |
47 |
94 |
73 |
178 |
2 |
12 |
||||
f) |
Directors' fees, allowances and expenses |
- |
- |
1 |
- |
4 |
4 |
- |
- |
||||
g) |
Auditors' fees and expenses |
1 |
2 |
2 |
3 |
2 |
2 |
1 |
2 |
||||
h) |
Law charges |
- |
- |
6 |
13 |
6 |
10 |
2 |
- |
||||
i) |
Postage, telegrams, telephones, etc. |
1 |
7 |
20 |
34 |
41 |
33 |
7 |
24 |
||||
j) |
Repairs and maintenance |
- |
2 |
13 |
19 |
18 |
20 |
- |
25 |
||||
k) |
Insurance |
- |
- |
21 |
21 |
17 |
17 |
- |
- |
||||
l) |
Other expenditure |
47 |
61 |
232 |
522 |
187 |
182 |
43 |
11 |
||||
V. |
Provisions and contingencies |
1 |
113 |
842 |
980 |
900 |
986 |
- |
7 |
||||
Total expenses* |
79 |
453 |
4392 |
3884 |
3984 |
4459 |
261 |
343 |
|||||
VI. |
Profit |
1 |
230 |
202 |
-902 |
806 |
-325 |
-213 |
38 |
||||
Total (III+IV+V+VI) |
81 |
795 |
5435 |
3961 |
5690 |
5120 |
48 |
388 |
|||||
Note |
: *Excluding 'Provisions and Contingencies'. |
||||||||||||
- |
: Nil or negligible. |
||||||||||||
Source : Annual accounts of banks. |