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Date : May 11, 1999

Table 49: Earnings and Expenses of Scheduled Commercial
Banks - 1996-97 (Part 9 of 26)

FOREIGN BANKS

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Oman International		Sakura Bank		Sanwa		Societe
			Bank				Bank		Generale
			1996	1997	1996	1997	1996	1997	1996	1997
			(47)	(48)	(49)	(50)	(51)	(52)	(53)	(54)
Income

I.	Interest earned		3792	5034	6698	10214	3335	4185	13319	15297
	a)	Interest/discount on advances/bills	2789	3567	5007	8286	2726	3511	7609	10960
	b)	Income on investments	752	1044	1373	1668	606	671	4345	3453
	c)	Interest on balances with RBI and other	249	374	310	260	4	2	1338	818
		inter-bank funds
	d)	Others	2	49	8	1	-	-	27	66

II.	Other income		664	656	15	(878)	(489)	(686)	606	1265
	a)	Commission, exchange, brokerage, etc.	260	298	315	349	208	213	385	440
	b)	Net profit (loss) on sale of investments	5	(120)	-	-	-	76	(6)	(108)
	c)	Net profit (loss) on revaluation of investments	-	-	-	-	-	-	-	-
	d)	Net profit (loss) on sale of land, building	-	4	-	(3)	-	-	(16)	(4)
		& other assets
	e)	Net profit (loss) on exchange transaction	399	439	(299)	(1228)	(728)	(1053)	206	911
	f)	Miscellaneous income	-	36	-	3	31	78	38	26
	Total (I+II)		4456	5690	6713	9337	2846	3498	13924	16563

Expenditure & Provisions

III.	Interest expended		2393	3237	2857	3695	2261	1813	11028	11782
	a)	Interest on deposits	1788	3079	1411	809	627	994	7243	8747
	b)	Interest on RBI/inter-bank borrowings	570	104	1446	2884	1004	358	3783	3035
	c)	Others	35	55	-	1	630	461	2	-

IV.	Operating expenses		684	747	366	728	387	481	1238	1431
	a)	Payments to and provisions for employees	104	159	143	238	76	96	298	421
	b)	Rent, taxes and lighting	232	194	65	166	77	117	278	83
	c)	Printing and stationery	18	15	10	20	7	15	20	18
	d)	Advertisement and publicity	27	30	-	2	1	-	8	8
	e)	Depreciation on Bank's property	62	73	66	151	29	60	142	360
	f)	Directors' fees, allowances and expenses	3	4	-	-	-	-	1	1
	g)	Auditors' fees and expenses	3	2	2	2	2	3	1	1
	h)	Law charges	8	6	-	-	5	3	3	4
	i)	Postage, telegrams, telephones, etc.	48	41	6	23	48	45	101	122
	j)	Repairs and maintenance	4	18	9	12	30	23	50	58
	k)	Insurance	15	17	17	8	5	7	37	36
	l)	Other expenditure	161	187	47	105	108	113	299	319

V.	Provisions and contingencies		978	900	1859	2425	151	725	1014	1900

	Total expenses		4055	4884	5078	6847	2799	3018	13279	15113

VI.	Profit (loss)		401	806	1636	2490	47	480	645	1449
Total (III+IV+V+VI)			4456	5690	6713	9337	2846	3498	13924	16563

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Sonali		Standard Chartered		State Bank of		The Fuji
			Bank		Bank		Mauritius		Bank
			1996	1997	1996	1997	1996	1997	1996	1997
			(55)	(56)	(57)	(58)	(59)	(60)	(61)	(62)
Income

I.	Interest earned		282	73	47578	54861	914	810		357
	a)	Interest/discount on advances/bills	39	29	23640	38716	631	581		214
	b)	Income on investments	94	30	21673	13462	81	96		12
	c)	Interest on balances with RBI and other	141	13	1834	1016	202	133		131
		inter-bank funds
	d)	Others	8	1	431	1666	-	-		-

II.	Other income		265	393	8962	14421	96	125		20
	a)	Commission, exchange, brokerage, etc.	264	371	6591	7810	53	33		17
	b)	Net profit (loss) on sale of investments	-	-	(2325)	1452	-	-		-
	c)	Net profit (loss) on revaluation of investments	-	-	-	-	-	-		-
	d)	Net profit (loss) on sale of land, building	-	-	591	(32)	-	-		-
		& other assets
	e)	Net profit (loss) on exchange transaction	-	-	3989	4898	42	90		4
	f)	Miscellaneous income	1	22	116	293	1	2		-
	Total (I+II)		547	467	56541	69282	1010	935		377

Expenditure & Provisions

III.	Interest expended		28	34	24353	35298	93	110		23
	a)	Interest on deposits	18	23	21736	33516	76	96		11
	b)	Interest on RBI/inter-bank borrowings	3	5	2613	1781	17	12		11
	c)	Others	7	5	4	1	1	3		-

IV.	Operating expenses		124	143	21581	24567	214	192		864
	a)	Payments to and provisions for employees	61	66	10833	10178	59	54		84
	b)	Rent, taxes and lighting	32	31	936	817	43	45		408
	c)	Printing and stationery	2	3	788	1096	2	2		7
	d)	Advertisement and publicity	-	1	2209	1503	12	3		2
	e)	Depreciation on Bank's property	1	1	684	798	46	52		70
	f)	Directors' fees, allowances and expenses	-	-	2	4	-	-		-
	g)	Auditors' fees and expenses	-	-	15	16	1	1		2
	h)	Law charges	-	1	669	652	-	1		13
	i)	Postage, telegrams, telephones, etc.	4	9	1042	2072	6	10		24
	j)	Repairs and maintenance	1	1	789	1538	1	4		12
	k)	Insurance	1	1	334	366	2	1		2
	l)	Other expenditure	22	30	3282	5526	42	19		239

V.	Provisions and contingencies		218	159	397	5094	269	300		6

	Total expenses		370	336	46332	64960	576	603		893

VI.	Profit (loss)		177	130	10209	4322	434	332		(516)
Total (III+IV+V+VI)			547	467	56541	69282	1010	935		377

				(Amount in Rs. lakh)
			For the year ended 31st March
Items			The Siam Commercial Bank
			1996	1997
			(63)	(64)
Income

I.	Interest Earned		148	1338
	a)	Interest/discount on advances/bills	17	1162
	b)	Income on Investments	36	33
	c)	Interest on balances with RBI and other	96	143
		inter-bank funds
	d)	Others	-	-

II.	Other income		5	165
	a)	Commission, exchange and brokerage	6	138
	b)	Net Profit (loss) on sale of investments	-	14
	c)	Net Profit (loss) on revaluation of investments	-	-
	d)	Net Profit (loss) on sale of land, building	-	-
		& other assets
	e)	Net Profit (loss) on exchange transaction	(1)	-
	f)	Miscellaneous income	-	14
	Total (I+II)		153	1503

Expenditure & Provisions

III.	Interest expended		7	396
	a)	Interest on deposits	7	396
	b)	Interest on RBI/inter-bank borrowings	-	-
	c)	Others	-	-

IV.	Operating expenses		122	280
	a)	Payments to and provisions for employees	13	46
	b)	Rent, taxes and lighting	42	96
	c)	Printing and stationery	2	2
	d)	Advertisement and publicity	-	-
	e)	Depreciation on Bank's property	10	34
	f)	Directors' fees, allowances and expenses	-	-
	g)	Auditors' fees and expenses	5	2
	h)	Law charges	6	3
	i)	Postage, telegrams, telephones, etc.	4	6
	j)	Repairs and maintenance	2	6
	k)	Insurance	1	3
	l)	Other expenditure	38	82

V.	Provisions and contingencies		15	419

	Total expenses		144	1095

VI.	Profit (loss)		9	408
Total (III+IV+V+VI)			153	1503

Note	:	Figures in bracket indicate loss.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.