Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 7 of 26) - RBI - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 7 of 26)
FOREIGN BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
|||||||||||
Items |
ABN Amro |
Abu-dhabi Commercial |
American Express |
||||||||
Bank |
Bank |
Bank |
|||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(1) |
(2) |
|
(3) |
(4) |
|
(5) |
(6) |
Income |
|||||||||||
I. |
Interest earned |
16297 |
20633 |
3798 |
4824 |
36586 |
34999 |
||||
a) |
Interest/discount on advances/bills |
12087 |
16077 |
2102 |
3182 |
23305 |
18986 |
||||
b) |
Income on investments |
3668 |
4064 |
1510 |
1163 |
10826 |
10724 |
||||
c) |
Interest on balances with RBI and other |
377 |
430 |
79 |
412 |
1386 |
2793 |
||||
inter-bank funds |
|||||||||||
d) |
Others |
166 |
63 |
107 |
67 |
1069 |
2495 |
||||
II. |
Other income |
4988 |
6281 |
791 |
389 |
6466 |
11769 |
||||
a) |
Commission, exchange, brokerage, etc. |
1296 |
2755 |
181 |
270 |
4888 |
5477 |
||||
b) |
Net profit (loss) on sale of investments |
110 |
414 |
229 |
85 |
(495) |
932 |
||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
- |
- |
(1067) |
- |
||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
- |
1 |
(30) |
(48) |
||||
& other assets |
|||||||||||
e) |
Net profit (loss) on exchange transaction |
3484 |
3019 |
382 |
33 |
2123 |
5296 |
||||
f) |
Miscellaneous income |
98 |
93 |
|
- |
- |
|
58 |
111 |
||
|
Total (I+II) |
|
21285 |
26914 |
|
4589 |
5213 |
|
43052 |
46769 |
|
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
12314 |
12459 |
3029 |
4320 |
25202 |
24137 |
||||
a) |
Interest on deposits |
4319 |
4869 |
2768 |
3846 |
16747 |
23270 |
||||
b) |
Interest on RBI/inter-bank borrowings |
5670 |
2679 |
203 |
274 |
2475 |
768 |
||||
c) |
Others |
2325 |
4910 |
58 |
199 |
5981 |
98 |
||||
IV. |
Operating expenses |
3302 |
6025 |
352 |
576 |
9514 |
9719 |
||||
a) |
Payments to and provisions for employees |
957 |
1459 |
118 |
206 |
3141 |
2845 |
||||
b) |
Rent, taxes and lighting |
444 |
575 |
43 |
99 |
867 |
946 |
||||
c) |
Printing and stationery |
76 |
111 |
19 |
26 |
310 |
279 |
||||
d) |
Advertisement and publicity |
57 |
132 |
8 |
21 |
487 |
533 |
||||
e) |
Depreciation on Bank's property |
323 |
667 |
36 |
53 |
686 |
597 |
||||
f) |
Directors' fees, allowances and expenses |
- |
1 |
1 |
1 |
1 |
2 |
||||
g) |
Auditors' fees and expenses |
3 |
4 |
1 |
1 |
7 |
18 |
||||
h) |
Law charges |
17 |
31 |
3 |
1 |
15 |
9 |
||||
i) |
Postage, telegrams, telephones, etc. |
335 |
469 |
29 |
41 |
1176 |
1206 |
||||
j) |
Repairs and maintenance |
293 |
425 |
19 |
34 |
334 |
388 |
||||
k) |
Insurance |
60 |
65 |
16 |
17 |
115 |
132 |
||||
l) |
Other expenditure |
738 |
2085 |
58 |
75 |
2374 |
2764 |
||||
V. |
Provisions and contingencies |
3222 |
4553 |
893 |
173 |
4807 |
8835 |
||||
Total expenses |
18838 |
23036 |
4275 |
5068 |
39523 |
42691 |
|||||
VI. |
Profit (loss) |
2447 |
3878 |
|
314 |
145 |
|
3529 |
4078 |
||
Total (III+IV+V+VI) |
|
21285 |
26914 |
|
4589 |
5213 |
|
43052 |
46769 |
|
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|
|
|
|
|
|
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(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Bank of America |
Bank of Bahrain |
Bank of |
Bank of Tokyo |
|||||||||||
Items |
|
& Kuwait |
Nova Scotia |
|
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(7) |
(8) |
|
(9) |
(10) |
|
(11) |
(12) |
|
(13) |
(14) |
Income |
||||||||||||||
I. |
Interest earned |
39053 |
57504 |
2567 |
4335 |
5288 |
7833 |
18888 |
23208 |
|||||
a) |
Interest/discount on advances/bills |
28010 |
42907 |
1227 |
2964 |
4433 |
6423 |
13604 |
18788 |
|||||
b) |
Income on investments |
9202 |
12132 |
1117 |
887 |
719 |
1236 |
3020 |
3555 |
|||||
c) |
Interest on balances with RBI and other |
1054 |
647 |
208 |
410 |
111 |
108 |
541 |
435 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
787 |
1819 |
15 |
74 |
25 |
66 |
1723 |
430 |
|||||
II. |
Other income |
7351 |
9245 |
350 |
500 |
1216 |
1397 |
3387 |
1772 |
|||||
a) |
Commission, exchange, brokerage, etc. |
3477 |
3979 |
89 |
145 |
550 |
814 |
1659 |
1737 |
|||||
b) |
Net profit (loss) on sale of investments |
(612) |
1333 |
154 |
(18) |
122 |
79 |
4 |
- |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
(1) |
- |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
26 |
28 |
4 |
- |
- |
- |
(1) |
(1) |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
3984 |
3793 |
41 |
144 |
536 |
492 |
1724 |
30 |
|||||
f) |
Miscellaneous income |
476 |
112 |
|
62 |
229 |
|
8 |
12 |
|
2 |
6 |
||
|
Total (I+II) |
|
46404 |
66750 |
|
2917 |
4835 |
|
6504 |
9230 |
|
22275 |
24980 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
25483 |
34304 |
1200 |
3681 |
4822 |
4999 |
11148 |
12274 |
|||||
a) |
Interest on deposits |
16170 |
27561 |
1120 |
2331 |
1125 |
2669 |
5612 |
9385 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
9298 |
5071 |
79 |
115 |
3697 |
2327 |
2584 |
1886 |
|||||
c) |
Others |
15 |
1673 |
1 |
1235 |
- |
3 |
2952 |
1003 |
|||||
IV. |
Operating expenses |
8983 |
8799 |
391 |
584 |
642 |
1077 |
1643 |
2256 |
|||||
a) |
Payments to and provisions for employees |
2249 |
2994 |
79 |
140 |
186 |
272 |
745 |
1040 |
|||||
b) |
Rent, taxes and lighting |
1707 |
1123 |
125 |
146 |
107 |
154 |
337 |
309 |
|||||
c) |
Printing and stationery |
281 |
343 |
9 |
12 |
16 |
22 |
61 |
112 |
|||||
d) |
Advertisement and publicity |
117 |
214 |
4 |
3 |
3 |
3 |
6 |
9 |
|||||
e) |
Depreciation on Bank's property |
801 |
880 |
61 |
90 |
48 |
55 |
70 |
203 |
|||||
f) |
Directors' fees, allowances and expenses |
1 |
1 |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
20 |
7 |
1 |
4 |
5 |
7 |
3 |
4 |
|||||
h) |
Law charges |
34 |
171 |
2 |
4 |
3 |
14 |
5 |
18 |
|||||
i) |
Postage, telegrams, telephones, etc. |
469 |
641 |
11 |
22 |
37 |
48 |
112 |
179 |
|||||
j) |
Repairs and maintenance |
432 |
544 |
20 |
27 |
30 |
61 |
80 |
94 |
|||||
k) |
Insurance |
14 |
25 |
13 |
19 |
4 |
18 |
46 |
40 |
|||||
l) |
Other expenditure |
2859 |
1855 |
65 |
115 |
202 |
421 |
177 |
248 |
|||||
V. |
Provisions and contingencies |
583 |
2001 |
832 |
321 |
805 |
3658 |
6056 |
8140 |
|||||
Total expenses |
35048 |
45104 |
2424 |
4586 |
6269 |
9734 |
18846 |
22669 |
||||||
VI. |
Profit (loss) |
11356 |
21646 |
|
493 |
249 |
|
234 |
(504) |
|
3,429 |
2310 |
||
Total (III+IV+V+VI) |
|
46404 |
66750 |
|
2917 |
4835 |
|
6504 |
9230 |
|
22275 |
24980 |
|
|
|
|
(Amount in Rs. lakh) |
||||||||||
For the year ended 31st March |
||||||||||||||
Items |
Banque |
Banque Nationale |
Barclays |
British Bank of |
||||||||||
Indosuez |
de Paris |
Bank |
Middle East |
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(15) |
(16) |
|
(17) |
(18) |
|
(19) |
(20) |
|
(21) |
(22) |
Income |
||||||||||||||
I. |
Interest earned |
10391 |
13572 |
11284 |
13500 |
7072 |
5222 |
11926 |
12432 |
|||||
a) |
Interest/discount on advances/bills |
6860 |
7632 |
8960 |
10336 |
5462 |
3778 |
5177 |
6519 |
|||||
b) |
Income on investments |
2623 |
4424 |
1655 |
2546 |
977 |
1181 |
4609 |
4355 |
|||||
c) |
Interest on balances with RBI and other |
226 |
90 |
587 |
458 |
632 |
262 |
1883 |
1549 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
682 |
1425 |
83 |
161 |
1 |
1 |
257 |
8 |
|||||
II. |
Other income |
2528 |
3497 |
1547 |
1528 |
1638 |
1326 |
410 |
929 |
|||||
a) |
Commission, exchange, brokerage, etc. |
760 |
727 |
775 |
864 |
652 |
496 |
295 |
347 |
|||||
b) |
Net profit (loss) on sale of investments |
(462) |
565 |
123 |
237 |
142 |
76 |
(137) |
341 |
|||||
c) |
Net profit (loss) on revaluation of investments |
820 |
- |
- |
- |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
3 |
(1) |
3 |
- |
(1) |
(1) |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
1407 |
2206 |
585 |
353 |
825 |
337 |
252 |
241 |
|||||
f) |
Miscellaneous income |
820 |
- |
|
61 |
75 |
|
19 |
419 |
|
- |
- |
||
|
Total (I+II) |
|
12919 |
17069 |
|
12832 |
15028 |
|
8710 |
6547 |
|
12336 |
13361 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
8713 |
12004 |
6670 |
6396 |
5611 |
4294 |
8808 |
10406 |
|||||
a) |
Interest on deposits |
5640 |
10339 |
1962 |
3746 |
1589 |
2840 |
7981 |
9742 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
3039 |
1648 |
2886 |
1999 |
3324 |
1383 |
818 |
659 |
|||||
c) |
Others |
33 |
17 |
1822 |
652 |
698 |
71 |
8 |
5 |
|||||
IV. |
Operating expenses |
1428 |
1981 |
2239 |
2408 |
1204 |
1544 |
969 |
1072 |
|||||
a) |
Payments to and provisions for employees |
346 |
626 |
1267 |
966 |
491 |
660 |
414 |
426 |
|||||
b) |
Rent, taxes and lighting |
109 |
161 |
218 |
433 |
163 |
167 |
36 |
40 |
|||||
c) |
Printing and stationery |
33 |
41 |
44 |
56 |
9 |
13 |
23 |
23 |
|||||
d) |
Advertisement and publicity |
- |
18 |
18 |
19 |
15 |
7 |
28 |
8 |
|||||
e) |
Depreciation on Bank's property |
128 |
108 |
86 |
114 |
117 |
126 |
99 |
101 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
2 |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
2 |
1 |
3 |
3 |
3 |
|||||
h) |
Law charges |
- |
6 |
3 |
8 |
- |
- |
1 |
1 |
|||||
i) |
Postage, telegrams, telephones, etc. |
75 |
111 |
41 |
76 |
146 |
171 |
39 |
40 |
|||||
j) |
Repairs and maintenance |
23 |
37 |
105 |
192 |
30 |
48 |
22 |
25 |
|||||
k) |
Insurance |
101 |
203 |
25 |
39 |
12 |
20 |
33 |
32 |
|||||
l) |
Other expenditure |
611 |
669 |
429 |
503 |
221 |
327 |
271 |
374 |
|||||
V. |
Provisions and contingencies |
1048 |
3403 |
2539 |
3856 |
1184 |
636 |
1001 |
570 |
|||||
Total expenses |
11189 |
17388 |
11447 |
12659 |
7999 |
6474 |
10778 |
12049 |
||||||
VI. |
Profit (loss) |
1730 |
(320) |
|
1385 |
2369 |
|
711 |
73 |
|
1558 |
1313 |
||
Total (III+IV+V+VI) |
|
12919 |
17069 |
|
12832 |
15028 |
|
8710 |
6547 |
|
12336 |
13361 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |