Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 23 of 26) - আরবিআই - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 23 of 26)
REGIONAL RURAL BANKS |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Saran Kshetriya | Sarayu | Shahajahanpur | Shahdol Kshetriya | |||||||||||
Gramin Bank | Gramin Bank | Kshetriya Gramin Bank | Gaonlia Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (313) | (314) | | (315) | (316) | | (317) | (318) | | (319) | (320) |
Income | ||||||||||||||
I. | Interest earned | 105 | 414 | 565 | 727 | 300 | 403 | 93 | 300 | |||||
a) | Interest/discount on advances/bills | 56 | 100 | 145 | 178 | 118 | 163 | 19 | 48 | |||||
b) | Income on investments | - | - | 408 | 543 | 35 | 60 | - | - | |||||
c) | Interest on balances with RBI and other | 50 | 313 | 12 | 6 | 147 | 180 | 74 | 252 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | 1 | - | - | - | - | - | - | |||||
II. | Other income | 144 | 4 | 27 | 16 | 22 | 37 | 8 | 16 | |||||
a) | Commission, exchange, brokerage, etc. | 1 | 2 | 26 | 16 | 3 | 11 | 8 | 6 | |||||
b) | Net profit (loss) on sale of investments | - | - | - | - | - | - | - | - | |||||
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 | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 143 | 2 | | 1 | - | | 19 | 26 | | - | 10 | ||
| Total (I+II) | | 249 | 418 | | 592 | 743 | | 322 | 440 | | 100 | 315 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 331 | 487 | 283 | 364 | 205 | 278 | 172 | 267 | |||||
a) | Interest on deposits | 318 | 471 | 239 | 314 | 152 | 210 | 167 | 259 | |||||
b) | Interest on RBI/inter-bank borrowings | 13 | 16 | 44 | 50 | - | - | 6 | 7 | |||||
c) | Others | - | - | 1 | - | 54 | 68 | - | - | |||||
IV. | Operating expenses | 225 | 237 | 184 | 170 | 176 | 146 | 187 | 185 | |||||
a) | Payments to and provisions for employees | 196 | 222 | 140 | 147 | 109 | 119 | 161 | 153 | |||||
b) | Rent, taxes and lighting | 3 | 3 | 4 | 5 | 3 | 3 | 3 | 4 | |||||
c) | Printing and stationery | 2 | 3 | 2 | 2 | 3 | 2 | 2 | 2 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 1 | 1 | 2 | 2 | 2 | 1 | 1 | 1 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | - | 1 | - | - | - | 1 | - | - | |||||
h) | Law charges | - | - | - | - | - | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | - | - | 2 | 2 | 1 | 2 | - | - | |||||
j) | Repairs and maintenance | 1 | 1 | - | - | 3 | 3 | - | - | |||||
k) | Insurance | 6 | 4 | 26 | 5 | 2 | 11 | 11 | 13 | |||||
l) | Other expenditure | 15 | 3 | 7 | 6 | 53 | 4 | 9 | 11 | |||||
V. | Provisions and contingencies | 1083 | 432 | 96 | 42 | 49 | - | - | 154 | |||||
Total expenses | 1639 | 1157 | 563 | 575 | 430 | 424 | 359 | 605 | ||||||
VI. | Profit (loss) | (1389) | (739) | | 28 | 167 | | (108) | 16 | | (259) | (290) | ||
Total (III+IV+V+VI) | | 249 | 418 | | 592 | 743 | | 322 | 440 | | 100 | 315 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Sharda | Shekhawati | Shivalik Kshetriya | Shivpuri Kshetriya | |||||||||||
Gramin Bank | Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (321) | (322) | | (323) | (324) | | (325) | (326) | | (327) | (328) |
Income | ||||||||||||||
I. | Interest earned | 497 | 702 | 1119 | 1511 | 652 | 905 | 338 | 584 | |||||
a) | Interest/discount on advances/bills | 72 | 98 | 417 | 581 | 177 | 201 | 117 | 183 | |||||
b) | Income on investments | 11 | 128 | 204 | 516 | 212 | 333 | 34 | 58 | |||||
c) | Interest on balances with RBI and other | 415 | 475 | 498 | 414 | 263 | 371 | 187 | 342 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||||
II. | Other income | 8 | 50 | 63 | 115 | 44 | 56 | 16 | 32 | |||||
a) | Commission, exchange, brokerage, etc. | 8 | 47 | 46 | 13 | 3 | 4 | 8 | 11 | |||||
b) | Net profit (loss) on sale of investments | - | - | - | - | - | - | - | - | |||||
c) | Net profit (loss) on revaluation of investments | - | - | - | - | - | - | - | - | |||||
d) | Net profit (loss) on sale of land, building | - | - | - | 1 | - | - | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | - | 3 | | 17 | 101 | | 40 | 52 | | 8 | 21 | ||
| Total (I+II) | | 505 | 752 | | 1183 | 1625 | | 695 | 960 | | 354 | 615 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 396 | 526 | 976 | 1241 | 399 | 564 | 401 | 614 | |||||
a) | Interest on deposits | 376 | 508 | 857 | 1110 | 355 | 516 | 374 | 580 | |||||
b) | Interest on RBI/inter-bank borrowings | - | - | - | - | 44 | 48 | 27 | 34 | |||||
c) | Others | 20 | 18 | 118 | 131 | - | - | - | - | |||||
IV. | Operating expenses | 384 | 286 | 536 | 554 | 186 | 196 | 262 | 302 | |||||
a) | Payments to and provisions for employees | 345 | 261 | 446 | 482 | 156 | 172 | 239 | 269 | |||||
b) | Rent, taxes and lighting | 4 | 5 | 4 | 5 | 4 | 4 | 9 | 10 | |||||
c) | Printing and stationery | 3 | 3 | 5 | 5 | 2 | 3 | 3 | 5 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 1 | 1 | 4 | 3 | 2 | 2 | 2 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | - | 1 | 1 | 2 | - | 1 | 1 | 1 | |||||
h) | Law charges | - | - | 1 | 2 | 1 | 1 | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 2 | 2 | 5 | 4 | 1 | 1 | 2 | 2 | |||||
j) | Repairs and maintenance | - | 1 | 1 | 1 | 1 | - | 1 | 1 | |||||
k) | Insurance | 19 | 3 | 2 | 1 | 5 | - | - | 4 | |||||
l) | Other expenditure | 10 | 9 | 67 | 49 | 14 | 11 | 5 | 8 | |||||
V. | Provisions and contingencies | 78 | 481 | 30 | 854 | 31 | 140 | 121 | 36 | |||||
Total expenses | 858 | 1292 | 1541 | 2649 | 616 | 901 | 784 | 953 | ||||||
VI. | Profit (loss) | (353) | (540) | | (358) | (1023) | | 79 | 60 | | (430) | (337) | ||
Total (III+IV+V+VI) | | 505 | 752 | | 1183 | 1625 | | 695 | 960 | | 354 | 615 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31 March | ||||||||||||||
Shri Sathavahana | Shri Venkateshwara | Singhbhum | Siwan Kshetriya | |||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (329) | (330) | | (331) | (332) | | (333) | (334) | | (335) | (336) |
Income | ||||||||||||||
I. | Interest earned | 511 | 801 | 785 | 1433 | 442 | 759 | 858 | 1165 | |||||
a) | Interest/discount on advances/bills | 245 | 417 | 522 | 928 | 72 | 133 | 199 | 205 | |||||
b) | Income on investments | 60 | 129 | 13 | 32 | 181 | 331 | 111 | 113 | |||||
c) | Interest on balances with RBI and other | 197 | 255 | 250 | 473 | 190 | 295 | 548 | 846 | |||||
inter-bank funds | ||||||||||||||
d) | Others | 9 | - | - | - | - | - | - | - | |||||
II. | Other income | 24 | 28 | 58 | 56 | 16 | 15 | 19 | 14 | |||||
a) | Commission, exchange, brokerage, etc. | 14 | 19 | 21 | 26 | 4 | 3 | 4 | 5 | |||||
b) | Net profit (loss) on sale of investments | - | - | - | - | - | - | - | - | |||||
c) | Net profit (loss) on revaluation of investments | - | - | - | - | - | - | - | - | |||||
d) | Net profit (loss) on sale of land, building | - | - | - | - | 1 | - | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 10 | 9 | | 36 | 30 | | 11 | 12 | | 15 | 9 | ||
| Total (I+II) | | 535 | 829 | | 842 | 1488 | | 458 | 774 | | 877 | 1180 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 460 | 615 | 634 | 869 | 364 | 583 | 519 | 793 | |||||
a) | Interest on deposits | 360 | 516 | 472 | 661 | 346 | 561 | 491 | 769 | |||||
b) | Interest on RBI/inter-bank borrowings | 100 | 99 | 162 | 209 | 18 | 22 | 28 | 24 | |||||
c) | Others | - | - | - | - | - | - | - | - | |||||
IV. | Operating expenses | 251 | 239 | 409 | 518 | 292 | 325 | 303 | 304 | |||||
a) | Payments to and provisions for employees | 190 | 183 | 361 | 463 | 263 | 288 | 261 | 280 | |||||
b) | Rent, taxes and lighting | 5 | 7 | 10 | 11 | 6 | 7 | 4 | 5 | |||||
c) | Printing and stationery | 4 | 5 | 6 | 7 | 9 | 6 | 3 | 4 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 2 | 3 | 3 | 2 | 2 | 2 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
h) | Law charges | - | - | - | - | - | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 6 | 6 | 1 | 1 | - | - | |||||
j) | Repairs and maintenance | 1 | 1 | 2 | 3 | 1 | 1 | - | - | |||||
k) | Insurance | 41 | 31 | 4 | 5 | 1 | 2 | 7 | 6 | |||||
l) | Other expenditure | 8 | 8 | 16 | 18 | 9 | 17 | 24 | 6 | |||||
V. | Provisions and contingencies | 69 | 443 | 1179 | 119 | 13 | 441 | - | - | |||||
Total expenses | 780 | 1297 | 2222 | 1507 | 669 | 1349 | 822 | 1292 | ||||||
VI. | Profit (loss) | (246) | (468) | | (1380) | (19) | | (211) | (575) | | 55 | (112) | ||
Total (III+IV+V+VI) | | 535 | 829 | | 842 | 1488 | | 458 | 774 | | 877 | 1180 |
Note | : Figures in bracket indicate loss. |
- | : Nil or negligible. |
Source | : Annual accounts of banks. |