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Date : Dec 17, 1999

Table 50 : Earnings and Expenses of Scheduled Commercial Banks - 1998-99 (Part 5 of 7)

FOREIGN BANKS

(Amount in Rs. lakh)
			For the year ended 31st March
			ABN Amro		Abu-dhabi Commercial		American Express		Arab Bangladesh
Items			Bank		Bank		Bank		Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
Income
I.	Interest Earned		26919	36738	4727	5783	32660	34527	225	422
	a)	Interest/discount on advances/bills	19441	24723	3030	2567	14933	13636	95	97
	b)	Income on investments	6594	10863	996	1869	13357	15220	37	51
	c)	Interest on balances with	745	1108	665	1118	3551	4309	93	274
		RBI and other inter-bank funds
	d)	Others	139	43	36	229	820	1363	-	-

II.	Other income		10466	9783	847	987	12586	11578	101	162
	a)	Commission, exchange and brokerage	3121	3797	259	519	6673	7375	17	36
	b)	Net profit on sale of investments	1797	37	357	266	2001	786	-	125
	c)	Net profit on revaluation of investments	-	-	-	-	-	-	-	-
	d)	Net profit on sale of land,	-	-	-	-	(75)	(72)	-	-
		building & other assets
	e)	Net profit on exchange transaction	5157	5486	138	203	3639	3460	83	-
	f)	Miscellaneous income	391	463	93	-	348	29	1	1
	Total(I+II)		37385	46520	5574	6770	45246	46105	326	584
Expenditure & Provisions
III.	Interest expended		17912	23614	3643	4486	22063	25440	63	82
	a)	Interest on deposits	9921	12472	3016	3719	18115	17263	62	82
	b)	Interest on RBI/inter-bank borrowings	3996	5918	498	485	3650	4709	1	-
	c)	Others	3996	5224	130	282	298	3469	-	-

IV.	Operating expenses		7960	8285	683	650	11923	14799	113	121
	a)	Payments to and provisions for employees	2236	2535	256	257	4033	5656	32	41
	b)	Rent, taxes and lighting	761	825	118	85	1094	1243	11	13
	c)	Printing and stationery	161	166	35	25	261	378	17	9
	d)	Advertisement and publicity	266	289	14	15	766	1150	3	3
	e)	Depreciation on bank's property	1024	1222	68	62	837	995	6	7
	f)	Directors' fees, allowances and expenses	1	-	-	-	2	1	1	-
	g)	Auditors' fees and expenses	5	11	4	2	21	22	-	1
	h)	Law charges	45	61	4	3	54	19	1	1
	i)	Postage, telegrams, telephones, etc.	610	664	30	37	1524	1795	7	5
	j)	Repairs and maintenance	327	448	45	49	446	556	5	6
	k)	Insurance	125	393	22	23	119	140	2	2
	l)	Other expenditure	2399	1671	86	93	2767	2843	28	34

V.	Provisions and contingencies		5006	5866	1043	1419	4446	5049	74	186
	Total expenses@		25872	31899	4326	5137	33986	40239	176	203

VI.	Profit		6508	8755	205	214	6815	817	76	195
	Total (III+IV+V+VI)		37385	46520	5574	6770	45246	46105	326	584

FOREIGN BANKS

(Amount in Rs. lakh)
			For the year ended 31st March
			Bank of International		Bank Muscat		Bank of		Bank of Bahrain
Items			Indonesia		International		America		& Kuwait
			1998	1999	1998	1999	1998	1999	1998	1999
			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)
Income
I.	Interest Earned		4515	1750		260	72541	91753	4622	4862
	a)	Interest/discount on advances/bills	2908	986		14	51776	61971	3046	2891
	b)	Income on investments	1194	474		-	18419	24456	1308	1583
	c)	Interest on balances with	359	266		216	560	717	264	387
		RBI and other inter-bank funds
	d)	Others	54	23		30	1786	4609	4	1

II.	Other income		578	424		44	15466	10742	324	648
	a)	Commission, exchange and brokerage	182	106		36	5975	6548	200	292
	b)	Net profit on sale of investments	8	81		3	4515	(655)	31	134
	c)	Net profit on revaluation of investments	-	-		-	-	(3)	-	-
	d)	Net profit on sale of land,	-	(4)		-	10	23	-	-
		building & other assets
	e)	Net profit on exchange transaction	259	170		-	4834	4645	(28)	136
	f)	Miscellaneous income	129	72		5	132	185	122	87
	Total(I+II)		5093	2174		304	88007	102495	4946	5511
Expenditure & Provisions
III.	Interest expended		3142	1375		66	45204	59731	4237	4336
	a)	Interest on deposits	1427	679		57	36276	42532	3215	3268
	b)	Interest on RBI/inter-bank borrowings	1248	577		9	8895	17193	328	829
	c)	Others	468	119		-	33	6	694	240

IV.	Operating expenses		1770	1669		339	12555	14101	641	858
	a)	Payments to and provisions for employees	211	168		90	3815	4425	181	224
	b)	Rent, taxes and lighting	151	67		-	1255	1623	158	165
	c)	Printing and stationery	16	9		-	466	412	10	13
	d)	Advertisement and publicity	11	1		25	314	176	8	5
	e)	Depreciation on bank's property	127	144		-	982	1075	98	98
	f)	Directors' fees, allowances and expenses	-	1		-	1	1	-	8
	g)	Auditors' fees and expenses	4	4		4	8	8	4	4
	h)	Law charges	11	23		11	94	69	12	11
	i)	Postage, telegrams, telephones, etc.	60	62		-	984	1000	20	25
	j)	Repairs and maintenance	36	41		-	588	901	30	35
	k)	Insurance	14	11		-	22	41	20	24
	l)	Other expenditure	1130	1138		209	4025	4369	100	245

V.	Provisions and contingencies		1087	1094		-	12548	14241	1592	(21)
	Total expenses@		4912	3044		405	57758	73832	4878	5194

VI.	Profit		(906)	(1963)		(101)	17700	14422	(1524)	337
	Total (III+IV+V+VI)		5093	2174		304	88007	102495	4946	5511

Notes	:	1. @Excluding 'Provisions and Contingencies'.
	:	2. Figures in bracket indicate loss.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.