Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1997-98 (Part 6 of 7)

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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.