Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 6 of 7) - ਆਰਬੀਆਈ - Reserve Bank of India
Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (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 |
|
||||||
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 |
4414 |
- |
216 |
18 |
2521 |
3018 |
||
a) |
Interest on deposits |
1213 |
2851 |
- |
13 |
8 |
2118 |
2474 |
||
b) |
Interest on RBI/inter-bank borrowings |
2111 |
1559 |
- |
192 |
9 |
403 |
544 |
||
c) |
Others |
225 |
4 |
- |
11 |
- |
- |
- |
||
IV. |
Operating expenses |
1648 |
2815 |
93 |
237 |
205 |
1363 |
1263 |
||
a) |
Payments to and provisions for employees |
570 |
918 |
54 |
40 |
40 |
271 |
353 |
||
b) |
Rent, taxes and lighting |
103 |
249 |
13 |
113 |
104 |
358 |
471 |
||
c) |
Printing and stationery |
19 |
34 |
2 |
1 |
1 |
16 |
9 |
||
d) |
Advertisement and publicity |
26 |
20 |
1 |
- |
1 |
12 |
2 |
||
e) |
Depreciation on bank's property |
179 |
220 |
4 |
10 |
11 |
94 |
133 |
||
f) |
Directors' fees, allowances and expenses |
3 |
3 |
- |
- |
- |
- |
- |
||
g) |
Auditors' fees and expenses |
4 |
4 |
1 |
2 |
2 |
3 |
5 |
||
h) |
Law charges |
- |
- |
- |
- |
- |
13 |
11 |
||
i) |
Postage, telegrams, telephones, etc. |
137 |
244 |
9 |
7 |
4 |
34 |
84 |
||
j) |
Repairs and maintenance |
39 |
35 |
3 |
2 |
7 |
19 |
13 |
||
k) |
Insurance |
5 |
36 |
- |
- |
1 |
21 |
22 |
||
l) |
Other expenditure |
564 |
1052 |
7 |
61 |
35 |
522 |
160 |
||
V. |
Provisions and contingencies |
564 |
725 |
- |
113 |
78 |
980 |
997 |
||
Total expenses@ |
5198 |
7229 |
93 |
453 |
223 |
3884 |
4281 |
|||
VI. |
Profit |
1075 |
22 |
|
(54) |
230 |
177 |
(902) |
(978) |
|
|
Total (III+IV+V+VI) |
6837 |
7976 |
|
39 |
795 |
477 |
3961 |
4299 |
Notes |
: |
1. @Excluding 'Provisions and Contingencies'. |
: |
2. Figures in bracket indicate loss. |
|
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |