FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Cho Hung

Citibank

Commercial Bank of

Commerzbank

Items

Bank

Korea

1998

1999

1998

1999

1998

1999

1998

1999

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I.

Interest Earned

1141

1263

118739

134456

426

4583

4577

a)

Interest/discount on advances/bills

688

676

78647

82275

63

3147

2073

b)

Income on investments

284

302

29863

40809

38

1361

2243

c)

Interest on balances with

159

279

10014

10359

8

75

242

RBI and other inter-bank funds

d)

Others

10

7

216

1013

317

-

19

II.

Other income

216

323

42005

52639

35

990

1196

a)

Commission, exchange and brokerage

98

117

29858

32306

19

606

527

b)

Net profit on sale of investments

-

(1)

6757

9728

-

2

(1)

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

d)

Net profit on sale of land,

-

-

-

(77)

-

6

-

building & other assets

e)

Net profit on exchange transaction

89

179

4808

10674

16

366

422

f)

Miscellaneous income

29

28

582

9

-

11

247

Total(I+II)

1357

1586

160743

187095

462

5573

5772

Expenditure & Provisions

III.

Interest expended

208

232

71304

90677

40

2740

3041

a)

Interest on deposits

11

197

55234

80832

38

1624

1792

b)

Interest on RBI/inter-bank borrowings

125

19

8900

8097

2

1049

1219

c)

Others

72

16

7169

1748

-

66

30

IV.

Operating expenses

389

401

41373

45166

286

1792

1919

a)

Payments to and provisions for employees

84

95

7822

10136

71

619

753

b)

Rent, taxes and lighting

133

134

3784

4090

80

505

510

c)

Printing and stationery

3

3

1331

1566

2

17

12

d)

Advertisement and publicity

-

1

4710

4905

-

5

2

e)

Depreciation on bank's property

61

36

3238

4540

55

137

294

f)

Directors' fees, allowances and expenses

-

-

11

12

-

2

2

g)

Auditors' fees and expenses

2

2

30

30

2

2

2

h)

Law charges

2

7

236

294

-

10

4

i)

Postage, telegrams, telephones, etc.

13

12

2496

3230

13

69

63

j)

Repairs and maintenance

21

26

2560

3185

13

58

84

k)

Insurance

5

7

907

844

1

20

22

l)

Other expenditure

64

79

14249

12334

48

350

170

V.

Provisions and contingencies

348

425

36145

39512

68

1126

677

Total expenses@

597

634

112677

135843

325

4532

4960

VI.

Profit

412

528

11922

11741

69

(84)

135

Total (III+IV+V+VI)

1357

1586

160743

187095

462

5573

5772

FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Credit Agricole

Credit

Deutsche Bank

Development

Items

Indosuez

Lyonnais

(Asia)

Bank of Singapore

1998

1999

1998

1999

1998

1999

1998

1999

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I .

Interest Earned

9069

9849

11579

12502

40437

43267

1368

2562

a)

Interest/discount on advances/bills

4067

3709

8191

8362

25984

22050

694

1544

b)

Income on investments

3383

4709

2586

3192

12048

16997

356

862

c)

Interest on balances with

1165

1400

650

948

1824

4071

317

156

RBI and other inter-bank funds

d)

Others

453

31

152

-

581

150

-

-

II.

Other income

2749

648

2339

2541

15879

13227

577

444

a)

Commission, exchange and brokerage

586

813

954

1239

7663

5944

563

149

b)

Net profit on sale of investments

303

775

215

10

2620

1306

11

-

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit on sale of land,

(1)

(3)

(9)

1

17

5

-

(4)

building & other assets

e)

Net profit on exchange transaction

1860

613

1101

1231

5577

5944

-

287

f)

Miscellaneous income

1

-

77

59

3

27

3

12

Total(I+II)

11818

10496

13918

15043

56317

56494

1945

3006

Expenditure & Provisions

III.

Interest expended

9613

7524

7957

9223

18511

21316

1068

1903

a)

Interest on deposits

6058

3555

5753

7441

13812

13074

618

978

b)

Interest on RBI/inter-bank borrowings

3539

3911

1625

1095

4604

7503

450

926

c)

Others

16

58

579

687

94

738

-

-

IV.

Operating expenses

2063

2451

2158

1628

11076

15226

428

478

a)

Payments to and provisions for employees

758

898

913

873

3797

4564

149

165

b)

Rent, taxes and lighting

70

78

132

128

566

827

49

52

c)

Printing and stationery

44

38

21

17

221

187

3

4

d)

Advertisement and publicity

6

9

24

25

91

37

2

1

e)

Depreciation on bank's property

105

109

112

101

1110

1083

42

45

f)

Directors' fees, allowances and expenses

1

1

1

2

6

10

-

-

g)

Auditors' fees and expenses

1

1

1

1

7

7

2

5

h)

Law charges

29

39

4

6

1

15

1

-

i)

Postage, telegrams, telephones, etc.

123

171

106

93

496

472

20

52

j)

Repairs and maintenance

160

73

34

37

697

536

5

5

k)

Insurance

148

95

43

41

175

1104

6

7

l)

Other expenditure

619

939

766

302

3909

6383

148

141

V.

Provisions and contingencies

1616

1046

4353

2620

14999

14994

301

337

Total expenses@

11676

9975

10115

10851

29587

36541

1496

2381

VI.

Profit

(1474)

(524)

(551)

1572

11731

4959

149

288

Total (III+IV+V+VI)

11818

10496

13918

15043

56317

56494

1945

3006

Notes

:

1. @Excluding 'Provisions and Contingencies'.

:

2. Figures in bracket indicate loss.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.

FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Dresdner

Grindlays

Hanil

Hongkong &

Items

Bank

Bank

Bank

Shanghai Bank

1998

1999

1998

1999

1998

1999*

1998

1999

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

Income

I .

Interest Earned

4469

4551

105065

118401

640

306

63031

76323

a)

Interest/discount on advances/bills

1587

2364

61768

55433

48

85

34236

36891

b)

Income on investments

1922

1433

34167

50774

530

162

22408

32307

c)

Interest on balances with

960

743

7854

11857

60

58

6253

6930

RBI and other inter-bank funds

d)

Others

-

10

1276

337

2

2

135

196

II.

Other income

1361

1099

26864

21143

169

100

20224

19084

a)

Commission, exchange and brokerage

182

238

14005

18196

10

2

9683

10250

b)

Net profit on sale of investments

-

(14)

5137

(4037)

136

(13)

2010

1034

c)

Net profit on revaluation of investments

-

-

-

-

(19)

-

-

-

d)

Net profit on sale of land,

1

-

(25)

(139)

-

-

15

9

building & other assets

e)

Net profit on exchange transaction

1178

875

7669

7011

25

2

8290

7617

f)

Miscellaneous income

-

-

79

112

18

109

226

174

Total(I+II)

5830

5650

131929

139544

809

406

83256

95407

Expenditure & Provisions

III.

Interest expended

3308

3058

58991

74904

142

7

37947

51570

a)

Interest on deposits

1983

2057

52445

66370

84

5

36605

46031

b)

Interest on RBI/inter-bank borrowings

1325

1001

4197

4728

56

1

1297

5509

c)

Others

-

-

2349

3806

1

1

45

30

IV.

Operating expenses

1501

1865

27493

30785

484

311

20084

25770

a)

Payments to and provisions for employees

419

505

13467

15666

101

59

7228

9778

b)

Rent, taxes and lighting

303

466

2412

2523

221

108

2086

3029

c)

Printing and stationery

12

15

665

840

3

-

483

623

d)

Advertisement and publicity

4

-

1886

987

1

-

919

1752

e)

Depreciation on bank's property

178

209

1707

2133

98

42

2412

2634

f)

Directors' fees, allowances and expenses

3

3

43

27

-

-

9

12

g)

Auditors' fees and expenses

2

2

18

18

2

3

10

10

h)

Law charges

-

3

246

366

-

-

42

35

i)

Postage, telegrams, telephones, etc.

87

116

1288

1665

18

5

1077

1299

j)

Repairs and maintenance

18

21

1226

1565

2

-

952

1105

k)

Insurance

11

9

160

148

2

-

426

525

l)

Other expenditure

465

513

4374

4846

37

94

4441

4969

V.

Provisions and contingencies

577

1292

22437

16265

70

128

17951

12691

Total expenses@

4810

4923

86484

105689

626

318

58031

77340

VI.

Profit

444

(565)

23007

17591

113

(40)

7274

5376

Total (III+IV+V+VI)

5830

5650

131929

139544

809

406

83256

95407

FOREIGN BANKS

(Amount in Rs. lakh)

For the year ended 31st March

International

KBC

Krung Thai

Mashreq

Items

Netherlandene Bank

Bank

Bank

Bank

1998

1999

1998

1999

1998

1999

1998

1999

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

Income

I.

Interest Earned

4501

6688

58

497

325

4165

3861

a)

Interest/discount on advances/bills

2371

3988

-

330

58

2906

2588

b)

Income on investments

1686

2643

3

(22)

20

942

1059

c)

Interest on balances with

438

56

54

25

10

195

108

RBI and other inter-bank funds

d)

Others

6

-

-

165

236

121

105

II.

Other income

2336

1288

(18)

298

153

(203)

439

a)

Commission, exchange and brokerage

1057

989

-

7

4

221

288

b)

Net profit on sale of investments

823

122

-

277

-

-

8

c)

Net profit on revaluation of investments

-

-

-

-

-

-

-

d)

Net profit on sale of land,

(3)

1

(19)

-

-

(2)

3

building & other assets

e)

Net profit on exchange transaction

458

176

-

14

136

(472)

114

f)

Miscellaneous income

-

-

-

-

13

50

26

Total(I+II)

6837

7976

39

795

477

3961

4299

Expenditure & Provisions

III.

Interest expended

3549