Publications

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