Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 12 of 13) - আরবিআই - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 12 of 13)
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Subansiri |
Sultanpur |
Surendranagar |
||||||||
Gaonlia |
Kshetriya |
Surat-Bharuch |
Bhav nagar |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(353) |
(354) |
(355) |
(356) |
(357) |
(358) |
(359) |
(360) |
Income |
||||||||||
I. |
Interest Earned |
361 |
464 |
2381 |
2541 |
695 |
852 |
368 |
597 |
|
a) |
Interest/discount on advances/bills |
39 |
64 |
641 |
711 |
356 |
468 |
210 |
311 |
|
b) |
Income on Investments |
112 |
113 |
1604 |
1696 |
81 |
118 |
15 |
65 |
|
c) |
Interest on balances with |
210 |
288 |
136 |
134 |
258 |
266 |
143 |
220 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
36 |
96 |
130 |
41 |
33 |
33 |
49 |
53 |
|
a) |
Commission, exchange and brokerage |
5 |
6 |
93 |
39 |
9 |
8 |
24 |
32 |
|
b) |
Other miscellaneous income |
31 |
91 |
38 |
2 |
24 |
25 |
26 |
21 |
|
Total (I+II) |
397 |
561 |
2511 |
2582 |
728 |
886 |
417 |
650 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
204 |
262 |
1623 |
1700 |
441 |
486 |
279 |
400 |
|
a) |
Interest on deposits |
193 |
255 |
1253 |
1518 |
311 |
378 |
222 |
332 |
|
b) |
Interest on RBI/inter-bank borrowings |
12 |
7 |
142 |
181 |
125 |
105 |
11 |
11 |
|
c) |
Others |
- |
- |
227 |
- |
5 |
3 |
46 |
57 |
|
IV. |
Operating expenses |
207 |
233 |
645 |
670 |
174 |
185 |
155 |
176 |
|
a) |
Payments to and provisions for employees |
177 |
193 |
568 |
591 |
137 |
152 |
132 |
151 |
|
b) |
Rent, taxes and lighting |
5 |
6 |
12 |
13 |
6 |
6 |
6 |
7 |
|
c) |
Printing and stationery |
4 |
3 |
6 |
6 |
3 |
5 |
4 |
3 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
1 |
3 |
4 |
3 |
4 |
3 |
5 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
- |
- |
|
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
- |
1 |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
1 |
1 |
2 |
1 |
1 |
1 |
2 |
|
j) |
Repairs and maintenance |
- |
- |
1 |
1 |
- |
- |
- |
- |
|
k) |
Insurance |
1 |
1 |
9 |
9 |
12 |
3 |
3 |
1 |
|
l) |
Other expenditure |
17 |
27 |
43 |
42 |
11 |
13 |
6 |
6 |
|
V. |
Provisions and contingencies |
488 |
- |
455 |
134 |
91 |
7 |
108 |
9 |
|
Total expenses* |
411 |
496 |
2267 |
2370 |
615 |
671 |
434 |
576 |
||
VI. |
Profit |
-502 |
65 |
-211 |
78 |
22 |
207 |
-125 |
65 |
|
Total (III+IV+V+VI) |
397 |
561 |
2511 |
2582 |
728 |
886 |
417 |
650 |
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(Amount in Rs. lakh) |
||||
For the year ended 31st March |
||||||||||||
Surguja |
||||||||||||
Kshetriya |
Thane |
Thar Anchalik |
Tripura |
|||||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(361) |
(362) |
(363) |
(364) |
(365) |
(366) |
(367) |
(368) |
||
Income |
||||||||||||
I. |
Interest Earned |
617 |
873 |
403 |
451 |
444 |
533 |
746 |
1185 |
|||
a) |
Interest/discount on advances/bills |
147 |
170 |
40 |
44 |
215 |
249 |
133 |
148 |
|||
b) |
Income on Investments |
1 |
10 |
239 |
265 |
43 |
109 |
259 |
509 |
|||
c) |
Interest on balances with |
469 |
693 |
124 |
141 |
186 |
174 |
354 |
529 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
2 |
- |
- |
- |
- |
|||
II. |
Other income |
13 |
20 |
10 |
11 |
76 |
107 |
26 |
38 |
|||
a) |
Commission, exchange and brokerage |
12 |
17 |
4 |
6 |
7 |
10 |
26 |
38 |
|||
b) |
Other miscellaneous income |
1 |
2 |
5 |
5 |
69 |
97 |
- |
- |
|||
Total (I+II) |
630 |
893 |
412 |
462 |
520 |
640 |
772 |
1223 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
589 |
786 |
182 |
224 |
363 |
455 |
1148 |
1388 |
|||
a) |
Interest on deposits |
569 |
757 |
174 |
213 |
336 |
409 |
956 |
1232 |
|||
b) |
Interest on RBI/inter-bank borrowings |
- |
28 |
8 |
11 |
27 |
46 |
192 |
156 |
|||
c) |
Others |
19 |
- |
- |
- |
- |
1 |
- |
- |
|||
IV. |
Operating expenses |
341 |
391 |
93 |
102 |
255 |
288 |
753 |
1014 |
|||
a) |
Payments to and provisions for employees |
299 |
352 |
73 |
81 |
227 |
259 |
692 |
948 |
|||
b) |
Rent, taxes and lighting |
6 |
7 |
3 |
3 |
4 |
5 |
17 |
22 |
|||
c) |
Printing and stationery |
4 |
4 |
4 |
3 |
4 |
3 |
7 |
7 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
3 |
3 |
4 |
2 |
2 |
3 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
- |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
1 |
- |
- |
- |
- |
1 |
3 |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
1 |
2 |
2 |
3 |
3 |
|||
j) |
Repairs and maintenance |
1 |
3 |
3 |
3 |
- |
- |
2 |
2 |
|||
k) |
Insurance |
17 |
6 |
1 |
2 |
2 |
3 |
1 |
9 |
|||
l) |
Other expenditure |
11 |
13 |
5 |
5 |
14 |
13 |
26 |
14 |
|||
V. |
Provisions and contingencies |
-114 |
76 |
56 |
12 |
- |
- |
2801 |
120 |
|||
Total expenses* |
930 |
1177 |
276 |
326 |
618 |
744 |
1901 |
2401 |
||||
VI. |
Profit |
-185 |
-360 |
81 |
124 |
-98 |
-104 |
-3930 |
-1298 |
|||
Total (III+IV+V+VI) |
630 |
893 |
412 |
462 |
520 |
640 |
772 |
1223 |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||
Uttar Banga |
Vaishali |
|||||||||||
Tulsi |
Tungabhadra |
Kshetriya |
Kshetriya |
|||||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(369) |
(370) |
(371) |
(372) |
(373) |
(374) |
(375) |
(376) |
||
Income |
||||||||||||
I. |
Interest Earned |
703 |
1055 |
4090 |
4696 |
1082 |
1361 |
1191 |
1692 |
|||
a) |
Interest/discount on advances/bills |
226 |
402 |
2334 |
2907 |
371 |
442 |
211 |
331 |
|||
b) |
Income on Investments |
474 |
647 |
1173 |
1260 |
175 |
281 |
- |
4 |
|||
c) |
Interest on balances with |
3 |
6 |
13 |
5 |
537 |
635 |
979 |
1357 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
570 |
523 |
- |
2 |
- |
- |
|||
II. |
Other income |
37 |
274 |
315 |
351 |
152 |
144 |
12 |
18 |
|||
a) |
Commission, exchange and brokerage |
37 |
274 |
91 |
67 |
105 |
15 |
11 |
18 |
|||
b) |
Other miscellaneous income |
1 |
1 |
224 |
284 |
47 |
128 |
1 |
- |
|||
Total (I+II) |
740 |
1329 |
4405 |
5047 |
1235 |
1504 |
1203 |
1710 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
547 |
696 |
2054 |
2434 |
957 |
1149 |
1329 |
1635 |
|||
a) |
Interest on deposits |
502 |
635 |
1344 |
1662 |
896 |
1079 |
1287 |
1585 |
|||
b) |
Interest on RBI/inter-bank borrowings |
45 |
62 |
711 |
771 |
61 |
70 |
43 |
50 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
454 |
439 |
1094 |
1226 |
720 |
820 |
832 |
976 |
|||
a) |
Payments to and provisions for employees |
394 |
402 |
965 |
1076 |
578 |
654 |
770 |
896 |
|||
b) |
Rent, taxes and lighting |
6 |
7 |
21 |
24 |
12 |
15 |
11 |
13 |
|||
c) |
Printing and stationery |
6 |
7 |
15 |
17 |
6 |
5 |
6 |
6 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
3 |
4 |
10 |
12 |
4 |
5 |
4 |
4 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
3 |
2 |
1 |
2 |
2 |
|||
h) |
Law charges |
- |
1 |
- |
2 |
- |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
3 |
13 |
17 |
2 |
3 |
2 |
2 |
|||
j) |
Repairs and maintenance |
1 |
1 |
3 |
3 |
- |
- |
- |
- |
|||
k) |
Insurance |
6 |
7 |
1 |
12 |
8 |
11 |
16 |
35 |
|||
l) |
Other expenditure |
36 |
7 |
65 |
59 |
108 |
124 |
21 |
18 |
|||
V. |
Provisions and contingencies |
652 |
- |
507 |
263 |
1662 |
131 |
828 |
62 |
|||
Total expenses* |
1001 |
1136 |
3149 |
3660 |
1677 |
1969 |
2162 |
2611 |
||||
VI. |
Profit |
-912 |
194 |
749 |
1125 |
-2104 |
-596 |
-1787 |
-963 |
|||
Total (III+IV+V+VI) |
740 |
1329 |
4405 |
5047 |
1235 |
1504 |
1203 |
1710 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |