Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 5 of 7) - ଆରବିଆଇ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 5 of 7)
FOREIGN BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||
ABN Amro |
Abu-Dhabi |
American Express |
Arab Bangladesh |
|||||||
Items |
Bank |
Commercial Bank |
Bank |
Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
||||||||||
I. |
Interest Earned |
20633 |
26919 |
4824 |
4727 |
34999 |
32660 |
130 |
225 |
|
a) |
Interest/discount on advances/bills |
16077 |
19441 |
3182 |
3030 |
18986 |
14933 |
46 |
95 |
|
b) |
Income on Investments |
4064 |
6594 |
1163 |
996 |
10724 |
13357 |
19 |
37 |
|
c) |
Interest on balances with |
430 |
745 |
412 |
665 |
2793 |
3551 |
63 |
93 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
63 |
139 |
67 |
36 |
2495 |
820 |
2 |
- |
|
II. |
Other income |
6281 |
10466 |
389 |
847 |
11769 |
12586 |
45 |
101 |
|
a) |
Commission, exchange and brokerage |
2755 |
3121 |
270 |
259 |
5477 |
6673 |
8 |
17 |
|
b) |
Net Profit on sale of investments |
414 |
1797 |
85 |
357 |
932 |
2001 |
- |
- |
|
c) |
Net Profit on sale of land, |
- |
- |
1 |
- |
-48 |
-75 |
- |
- |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
3019 |
5157 |
33 |
138 |
5296 |
3639 |
37 |
83 |
|
e) |
Miscellaneous income |
93 |
391 |
- |
93 |
111 |
348 |
- |
1 |
|
Total (I+II) |
26914 |
37385 |
5213 |
5574 |
46769 |
45246 |
175 |
326 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
12459 |
17912 |
4320 |
3643 |
24137 |
22063 |
41 |
63 |
|
a) |
Interest on deposits |
4869 |
9921 |
3846 |
3016 |
23270 |
18115 |
40 |
62 |
|
b) |
Interest on RBI/inter-bank borrowings |
2679 |
3996 |
274 |
498 |
768 |
3650 |
1 |
1 |
|
c) |
Others |
4910 |
3996 |
199 |
130 |
98 |
298 |
- |
- |
|
IV. |
Operating expenses |
6025 |
7960 |
576 |
683 |
9719 |
11923 |
115 |
113 |
|
a) |
Payments to and provisions for employees |
1459 |
2236 |
206 |
256 |
2845 |
4033 |
31 |
32 |
|
b) |
Rent, taxes and lighting |
575 |
761 |
99 |
118 |
946 |
1094 |
9 |
11 |
|
c) |
Printing and stationery |
111 |
161 |
26 |
35 |
279 |
261 |
16 |
17 |
|
d) |
Advertisement and publicity |
132 |
266 |
21 |
14 |
533 |
766 |
8 |
3 |
|
e) |
Depreciation on Bank's property |
667 |
1024 |
53 |
68 |
597 |
837 |
5 |
6 |
|
f) |
Directors' fees, allowances and expenses |
1 |
1 |
1 |
- |
2 |
2 |
- |
1 |
|
g) |
Auditors' fees and expenses |
4 |
5 |
1 |
4 |
18 |
21 |
- |
- |
|
h) |
Law charges |
31 |
45 |
1 |
4 |
9 |
54 |
3 |
1 |
|
i) |
Postage, telegrams, telephones, etc. |
469 |
610 |
41 |
30 |
1206 |
1524 |
6 |
7 |
|
j) |
Repairs and maintenance |
425 |
327 |
34 |
45 |
388 |
446 |
4 |
5 |
|
k) |
Insurance |
65 |
125 |
17 |
22 |
132 |
119 |
1 |
2 |
|
l) |
Other expenditure |
2085 |
2399 |
75 |
86 |
2764 |
2767 |
31 |
28 |
|
V. |
Provisions and contingencies |
4553 |
5006 |
173 |
1043 |
8835 |
4446 |
5 |
74 |
|
Total expenses* |
18484 |
25872 |
4896 |
4326 |
33855 |
33986 |
156 |
176 |
||
VI. |
Profit |
3878 |
6508 |
145 |
205 |
4078 |
6815 |
15 |
76 |
|
Total (III+IV+V+VI) |
26914 |
37385 |
5213 |
5574 |
46769 |
45246 |
175 |
326 |
||
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||
Bank of International |
Bank of |
Bank of Bahrain & |
Bank of |
|||||||
Items |
Indonesia |
America |
Kuwait |
Ceylon |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
||||||||||
I. |
Interest Earned |
3839 |
4515 |
57504 |
72541 |
4335 |
4622 |
411 |
1023 |
|
a) |
Interest/discount on advances/bills |
3242 |
2908 |
42907 |
51776 |
2964 |
3046 |
359 |
842 |
|
b) |
Income on Investments |
531 |
1194 |
12132 |
18419 |
887 |
1308 |
15 |
113 |
|
c) |
Interest on balances with |
66 |
359 |
647 |
560 |
410 |
264 |
37 |
68 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
54 |
1819 |
1786 |
74 |
4 |
- |
- |
|
II. |
Other income |
407 |
578 |
9245 |
15466 |
500 |
324 |
306 |
382 |
|
a) |
Commission, exchange and brokerage |
152 |
182 |
3979 |
5975 |
145 |
200 |
92 |
158 |
|
b) |
Net Profit on sale of investments |
-1 |
8 |
1333 |
4515 |
-18 |
31 |
- |
- |
|
c) |
Net Profit on sale of land, |
- |
- |
28 |
10 |
- |
- |
- |
- |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
243 |
259 |
3793 |
4834 |
144 |
-28 |
154 |
131 |
|
e) |
Miscellaneous income |
14 |
129 |
112 |
132 |
229 |
122 |
60 |
93 |
|
Total (I+II) |
4246 |
5093 |
66750 |
88007 |
4835 |
4946 |
716 |
1404 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
2118 |
3142 |
34304 |
45204 |
3681 |
4237 |
98 |
458 |
|
a) |
Interest on deposits |
350 |
1427 |
27561 |
36276 |
2331 |
3215 |
94 |
338 |
|
b) |
Interest on RBI/inter-bank borrowings |
1628 |
1248 |
5071 |
8895 |
115 |
328 |
4 |
120 |
|
c) |
Others |
139 |
468 |
1673 |
33 |
1235 |
694 |
- |
- |
|
IV. |
Operating expenses |
1417 |
1770 |
8799 |
12555 |
584 |
641 |
158 |
182 |
|
a) |
Payments to and provisions for employees |
164 |
211 |
2994 |
3815 |
140 |
181 |
35 |
41 |
|
b) |
Rent, taxes and lighting |
151 |
151 |
1123 |
1255 |
146 |
158 |
21 |
23 |
|
c) |
Printing and stationery |
16 |
16 |
343 |
466 |
12 |
10 |
2 |
3 |
|
d) |
Advertisement and publicity |
21 |
11 |
214 |
314 |
3 |
8 |
3 |
3 |
|
e) |
Depreciation on Bank's property |
57 |
127 |
880 |
982 |
90 |
98 |
16 |
19 |
|
f) |
Directors' fees, allowances and expenses |
1 |
- |
1 |
1 |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
4 |
4 |
7 |
8 |
4 |
4 |
1 |
1 |
|
h) |
Law charges |
7 |
11 |
171 |
94 |
4 |
12 |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
54 |
60 |
641 |
984 |
22 |
20 |
44 |
44 |
|
j) |
Repairs and maintenance |
19 |
36 |
544 |
588 |
27 |
30 |
2 |
6 |
|
k) |
Insurance |
3 |
14 |
25 |
22 |
19 |
20 |
- |
- |
|
l) |
Other expenditure |
921 |
1130 |
1855 |
4024 |
115 |
100 |
35 |
44 |
|
V. |
Provisions and contingencies |
329 |
1087 |
2001 |
12548 |
321 |
1592 |
290 |
458 |
|
Total expenses* |
3535 |
4912 |
43104 |
57758 |
4265 |
4878 |
256 |
640 |
||
VI. |
Profit |
382 |
-906 |
21646 |
17700 |
249 |
-1524 |
171 |
307 |
|
Total (III+IV+V+VI) |
4246 |
5093 |
66750 |
88007 |
4835 |
4946 |
716 |
1404 |
||
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(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Bank of Nova |
Bank of |
Banque |
Banque Nationale |
|||||||
Items |
Scotia |
Tokyo |
Indosuez |
De Paris |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
Income |
||||||||||
I. |
Interest Earned |
7833 |
8175 |
23208 |
16041 |
13572 |
9069 |
13500 |
15057 |
|
a) |
Interest/discount on advances/bills |
6423 |
5851 |
18788 |
10069 |
7632 |
4067 |
10336 |
8088 |
|
b) |
Income on Investments |
1236 |
1830 |
3555 |
3981 |
4424 |
3383 |
2546 |
5634 |
|
c) |
Interest on balances with |
108 |
418 |
435 |
677 |
90 |
1165 |
458 |
900 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
66 |
75 |
430 |
1314 |
1425 |
453 |
161 |
435 |
|
II. |
Other income |
1397 |
1907 |
1772 |
1052 |
3497 |
2749 |
1528 |
2745 |
|
a) |
Commission, exchange and brokerage |
814 |
947 |
1737 |
1303 |
727 |
586 |
864 |
1216 |
|
b) |
Net Profit on sale of investments |
79 |
132 |
- |
1 |
565 |
303 |
237 |
477 |
|
c) |
Net Profit on sale of land, |
- |
- |
-1 |
-5 |
-1 |
-1 |
- |
-24 |
|
d) |
Net Profit on exchange transaction |
492 |
707 |
30 |
-256 |
2206 |
1860 |
353 |
909 |
|
e) |
Miscellaneous income |
12 |
120 |
6 |
9 |
- |
1 |
75 |
167 |
|
Total (I+II) |
9230 |
10081 |
24980 |
17093 |
17069 |
11818 |
15028 |
17802 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
4999 |
5765 |
12274 |
10773 |
12004 |
9613 |
6396 |
9061 |
|
a) |
Interest on deposits |
2669 |
3727 |
9385 |
9466 |
10339 |
6058 |
3746 |
4532 |
|
b) |
Interest on RBI/inter-bank borrowings |
2327 |
2036 |
1886 |
1046 |
1648 |
3539 |
1999 |
4250 |
|
c) |
Others |
3 |
2 |
1003 |
261 |
17 |
16 |
652 |
279 |
|
IV. |
Operating expenses |
1077 |
1230 |
2256 |
2880 |
1981 |
2063 |
2408 |
3637 |
|
a) |
Payments to and provisions for employees |
272 |
330 |
1040 |
1408 |
626 |
758 |
966 |
1448 |
|
b) |
Rent, taxes and lighting |
154 |
227 |
309 |
410 |
161 |
70 |
433 |
649 |
|
c) |
Printing and stationery |
22 |
31 |
112 |
93 |
41 |
44 |
56 |
65 |
|
d) |
Advertisement and publicity |
3 |
6 |
9 |
4 |
18 |
6 |
19 |
67 |
|
e) |
Depreciation on Bank's property |
55 |
83 |
203 |
284 |
108 |
105 |
114 |
175 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
1 |
- |
- |
|
g) |
Auditors' fees and expenses |
7 |
5 |
4 |
4 |
1 |
1 |
2 |
2 |
|
h) |
Law charges |
14 |
28 |
18 |
20 |
6 |
29 |
8 |
4 |
|
i) |
Postage, telegrams, telephones, etc. |
48 |
98 |
179 |
208 |
111 |
123 |
76 |
104 |
|
j) |
Repairs and maintenance |
61 |
80 |
94 |
94 |
37 |
160 |
192 |
216 |
|
k) |
Insurance |
18 |
25 |
40 |
65 |
203 |
148 |
39 |
48 |
|
l) |
Other expenditure |
421 |
316 |
248 |
289 |
669 |
619 |
503 |
859 |
|
V. |
Provisions and contingencies |
3658 |
2378 |
8140 |
37082 |
3403 |
1616 |
3856 |
3290 |
|
Total expenses* |
6076 |
6996 |
14530 |
13653 |
13986 |
11676 |
8804 |
12699 |
||
VI. Profit |
-504 |
707 |
2310 |
-33642 |
-320 |
-1474 |
2369 |
1814 |
||
Total (III+IV+V+VI) |
9230 |
10081 |
24980 |
17093 |
17069 |
11818 |
15028 |
17802 |
||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Barclays |
British Bank of |
Chase |
Chinatrust |
|||||||
Items |
Bank |
Middle East |
Manhattane Bank |
Commercial Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
Income |
||||||||||
I. |
Interest Earned |
5222 |
4806 |
12432 |
10841 |
258 |
532 |
504 |
664 |
|
a) |
Interest/discount on advances/bills |
3778 |
2283 |
6519 |
4963 |
11 |
- |
213 |
304 |
|
b) |
Income on Investments |
1181 |
1743 |
4355 |
4646 |
225 |
235 |
77 |
353 |
|
c) |
Interest on balances with |
262 |
780 |
1549 |
1226 |
21 |
295 |
208 |
4 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
1 |
- |
8 |
6 |
1 |
2 |
5 |
1 |
|
II. |
Other income |
1326 |
2255 |
929 |
1877 |
281 |
1434 |
15 |
74 |
|
a) |
Commission, exchange and brokerage |
496 |
1157 |
347 |
304 |
176 |
287 |
5 |
29 |
|
b) |
Net Profit on sale of investments |
76 |
226 |
341 |
1164 |
20 |
219 |
- |
46 |
|
c) |
Net Profit on sale of land, |
-1 |
2 |
- |
1 |
- |
1 |
- |
- |
|
building & other assets |
||||||||||
d) |
Net Profit on exchange transaction |
337 |
797 |
241 |
408 |
-26 |
907 |
10 |
9 |
|
e) |
Miscellaneous income |
419 |
73 |
- |
- |
111 |
20 |
- |
-10 |
|
Total (I+II) |
6547 |
7061 |
13361 |
12718 |
538 |
1967 |
518 |
738 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
4294 |
3982 |
10406 |
9757 |
18 |
487 |
48 |
221 |
|
a) |
Interest on deposits |
2840 |
2755 |
9742 |
9657 |
2 |
39 |
45 |
56 |
|
b) |
Interest on RBI/inter-bank borrowings |
1383 |
1207 |
659 |
100 |
16 |
446 |
3 |
164 |
|
c) |
Others |
71 |
20 |
5 |
- |
- |
2 |
- |
1 |
|
IV. |
Operating expenses |
1544 |
1931 |
1072 |
1169 |
475 |
863 |
426 |
452 |
|
a) |
Payments to and provisions for employees |
660 |
909 |
426 |
463 |
100 |
236 |
147 |
158 |
|
b) |
Rent, taxes and lighting |
167 |
224 |
40 |
43 |
98 |
160 |
117 |
118 |
|
c) |
Printing and stationery |
13 |
16 |
23 |
15 |
8 |
11 |
5 |
4 |
|
d) |
Advertisement and publicity |
7 |
6 |
8 |
26 |
- |
5 |
2 |
3 |
|
e) |
Depreciation on Bank's property |
126 |
142 |
101 |
108 |
91 |
103 |
55 |
80 |
|
f) |
Directors' fees, allowances and expenses |
2 |
8 |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
3 |
5 |
3 |
3 |
2 |
5 |
1 |
1 |
|
h) |
Law charges |
- |
3 |
1 |
- |
3 |
2 |
18 |
15 |
|
i) |
Postage, telegrams, telephones, etc. |
171 |
242 |
40 |
44 |
87 |
124 |
20 |
15 |
|
j) |
Repairs and maintenance |
48 |
60 |
25 |
28 |
20 |
33 |
13 |
6 |
|
k) |
Insurance |
20 |
20 |
32 |
54 |
3 |
4 |
4 |
5 |
|
l) |
Other expenditure |
327 |
296 |
374 |
384 |
65 |
181 |
43 |
47 |
|
V. |
Provisions and contingencies |
636 |
640 |
570 |
1482 |
18 |
302 |
33 |
64 |
|
Total expenses* |
5838 |
5914 |
11478 |
10926 |
493 |
1350 |
475 |
673 |
||
VI. |
Profit |
73 |
507 |
1313 |
309 |
27 |
314 |
11 |
- |
|
Total (III+IV+V+VI) |
6547 |
7061 |
13361 |
12718 |
538 |
1967 |
518 |
738 |
||
Note |
: *Excluding 'Provisions and Contingencies'. |
|||||||||
- |
: Nil or negligible. |
|||||||||
Source : Annual accounts of banks. |