Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 6 of 13) - আরবিআই - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 6 of 13)
|
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|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended 31st March |
||||||||||||
Items |
Jhabua Dhar |
Junagadh |
Ka Bank |
Kakathiya |
||||||||
Kshetriya |
Amreli |
Nongkyndong |
Gramin Bank |
|||||||||
Gramin Bank |
Gramin Bank |
|
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(161) |
(162) |
(163) |
(164) |
(165) |
(166) |
(167) |
(168) |
||
Income |
||||||||||||
I. |
Interest Earned |
604 |
805 |
340 |
550 |
994 |
1137 |
373 |
556 |
|||
a) |
Interest/discount on advances/bills |
373 |
437 |
94 |
215 |
85 |
130 |
225 |
348 |
|||
b) |
Income on Investments |
10 |
30 |
78 |
155 |
622 |
655 |
- |
2 |
|||
c) |
Interest on balances with |
220 |
338 |
169 |
181 |
288 |
352 |
148 |
206 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
29 |
107 |
26 |
25 |
35 |
11 |
28 |
30 |
|||
a) |
Commission, exchange and brokerage |
5 |
7 |
17 |
14 |
31 |
11 |
7 |
9 |
|||
b) |
Other miscellaneous income |
24 |
100 |
9 |
11 |
4 |
- |
21 |
21 |
|||
Total (I+II) |
634 |
911 |
366 |
575 |
1030 |
1148 |
401 |
586 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
614 |
750 |
261 |
316 |
484 |
547 |
325 |
378 |
|||
a) |
Interest on deposits |
510 |
634 |
218 |
263 |
436 |
482 |
225 |
291 |
|||
b) |
Interest on RBI/inter-bank borrowings |
104 |
116 |
33 |
42 |
48 |
65 |
99 |
87 |
|||
c) |
Others |
- |
- |
10 |
11 |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
380 |
436 |
142 |
147 |
189 |
199 |
203 |
229 |
|||
a) |
Payments to and provisions for employees |
341 |
400 |
122 |
122 |
153 |
165 |
165 |
180 |
|||
b) |
Rent, taxes and lighting |
9 |
10 |
3 |
4 |
9 |
11 |
6 |
8 |
|||
c) |
Printing and stationery |
4 |
4 |
3 |
3 |
5 |
5 |
4 |
5 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
1 |
|||
e) |
Depreciation on Bank's property |
2 |
2 |
1 |
1 |
2 |
2 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
1 |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
- |
1 |
- |
- |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
2 |
1 |
1 |
1 |
1 |
|||
j) |
Repairs and maintenance |
1 |
2 |
- |
- |
- |
- |
1 |
- |
|||
k) |
Insurance |
6 |
5 |
2 |
2 |
4 |
2 |
3 |
4 |
|||
l) |
Other expenditure |
13 |
11 |
9 |
12 |
15 |
14 |
21 |
27 |
|||
V. |
Provisions and contingencies |
1001 |
- |
- |
- |
268 |
89 |
41 |
9 |
|||
Total expenses* |
993 |
1186 |
403 |
463 |
673 |
746 |
528 |
607 |
||||
VI. |
Profit |
-1360 |
-275 |
-37 |
112 |
89 |
313 |
-168 |
-30 |
|||
Total (III+IV+V+VI) |
634 |
911 |
366 |
575 |
1030 |
1148 |
401 |
586 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended 31st March |
||||||||||||
Items |
Kalahandi |
Kalpatharu |
Kamraz |
Kanakadurga |
||||||||
Anchalika |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
Gramin Bank |
|
|
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(169) |
(170) |
(171) |
(172) |
(173) |
(174) |
(175) |
(176) |
||
Income |
||||||||||||
I. |
Interest Earned |
355 |
599 |
1116 |
1382 |
628 |
889 |
607 |
674 |
|||
a) |
Interest/discount on advances/bills |
184 |
285 |
538 |
693 |
79 |
123 |
365 |
426 |
|||
b) |
Income on Investments |
23 |
47 |
457 |
507 |
127 |
113 |
239 |
246 |
|||
c) |
Interest on balances with |
147 |
267 |
28 |
17 |
422 |
653 |
2 |
3 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
93 |
165 |
- |
- |
- |
- |
|||
II. |
Other income |
12 |
19 |
85 |
85 |
24 |
15 |
18 |
20 |
|||
a) |
Commission, exchange and brokerage |
- |
- |
50 |
54 |
5 |
7 |
4 |
8 |
|||
b) |
Other miscellaneous income |
12 |
19 |
35 |
32 |
18 |
7 |
14 |
12 |
|||
Total (I+II) |
367 |
618 |
1201 |
1467 |
652 |
904 |
625 |
694 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
330 |
407 |
715 |
832 |
531 |
666 |
334 |
355 |
|||
a) |
Interest on deposits |
244 |
337 |
550 |
648 |
509 |
637 |
228 |
257 |
|||
b) |
Interest on RBI/inter-bank borrowings |
86 |
69 |
165 |
184 |
23 |
29 |
106 |
98 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
399 |
398 |
449 |
451 |
419 |
505 |
121 |
132 |
|||
a) |
Payments to and provisions for employees |
361 |
367 |
381 |
384 |
355 |
440 |
98 |
104 |
|||
b) |
Rent, taxes and lighting |
8 |
9 |
8 |
10 |
8 |
10 |
5 |
7 |
|||
c) |
Printing and stationery |
5 |
4 |
6 |
6 |
8 |
10 |
3 |
4 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
1 |
1 |
|||
e) |
Depreciation on Bank's property |
3 |
2 |
3 |
4 |
3 |
4 |
4 |
4 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
1 |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
- |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
4 |
4 |
3 |
4 |
- |
1 |
3 |
4 |
|||
j) |
Repairs and maintenance |
2 |
1 |
2 |
2 |
- |
1 |
2 |
1 |
|||
k) |
Insurance |
7 |
3 |
27 |
21 |
5 |
6 |
3 |
3 |
|||
l) |
Other expenditure |
9 |
7 |
19 |
19 |
39 |
34 |
2 |
3 |
|||
V. |
Provisions and contingencies |
290 |
8 |
463 |
49 |
182 |
32 |
48 |
36 |
|||
Total expenses* |
729 |
805 |
1164 |
1283 |
951 |
1171 |
455 |
486 |
||||
VI. |
Profit |
-653 |
-195 |
-426 |
135 |
-480 |
-299 |
121 |
173 |
|||
Total (III+IV+V+VI) |
367 |
618 |
1201 |
1467 |
652 |
904 |
625 |
694 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended 31st March |
||||||||||||
Items |
Kanpur |
Kapurthala |
Kashi |
Kisan |
||||||||
Kshetriya |
Firozpur |
Gramin Bank |
Gramin Bank |
|||||||||
Gramin Bank |
Kshetriya |
|||||||||||
|
Gramin Bank |
|
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(177) |
(178) |
(179) |
(180) |
(181) |
(182) |
(183) |
(184) |
||
Income |
||||||||||||
I. |
Interest Earned |
1709 |
2260 |
505 |
645 |
1151 |
1645 |
409 |
641 |
|||
a) |
Interest/discount on advances/bills |
429 |
479 |
140 |
233 |
284 |
418 |
135 |
235 |
|||
b) |
Income on Investments |
775 |
892 |
138 |
172 |
442 |
730 |
87 |
119 |
|||
c) |
Interest on balances with |
504 |
889 |
227 |
241 |
426 |
496 |
186 |
287 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
||||
II. |
Other income |
57 |
127 |
46 |
42 |
52 |
66 |
26 |
60 |
|||
a) |
Commission, exchange and brokerage |
52 |
48 |
2 |
2 |
14 |
17 |
14 |
15 |
|||
b) |
Other miscellaneous income |
5 |
79 |
44 |
40 |
38 |
49 |
12 |
44 |
|||
Total (I+II) |
1766 |
2388 |
551 |
687 |
1203 |
1711 |
435 |
700 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1347 |
1601 |
383 |
431 |
1011 |
1226 |
363 |
421 |
|||
a) |
Interest on deposits |
1195 |
1439 |
346 |
391 |
953 |
1163 |
316 |
369 |
|||
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
37 |
41 |
2 |
1 |
47 |
53 |
|||
c) |
Others |
151 |
162 |
- |
- |
56 |
61 |
- |
- |
|||
IV. |
Operating expenses |
543 |
626 |
193 |
204 |
418 |
476 |
264 |
306 |
|||
a) |
Payments to and provisions for employees |
476 |
557 |
171 |
178 |
341 |
401 |
233 |
274 |
|||
b) |
Rent, taxes and lighting |
12 |
13 |
4 |
4 |
13 |
11 |
6 |
7 |
|||
c) |
Printing and stationery |
5 |
6 |
3 |
2 |
6 |
5 |
4 |
3 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
4 |
8 |
4 |
4 |
3 |
4 |
3 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
1 |
1 |
- |
- |
1 |
1 |
- |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
2 |
2 |
3 |
1 |
1 |
|||
j) |
Repairs and maintenance |
1 |
2 |
1 |
1 |
2 |
2 |
1 |
1 |
|||
k) |
Insurance |
16 |
10 |
1 |
1 |
19 |
16 |
1 |
1 |
|||
l) |
Other expenditure |
24 |
26 |
9 |
11 |
31 |
31 |
16 |
14 |
|||
V. |
Provisions and contingencies |
1854 |
- |
456 |
1 |
1531 |
- |
175 |
38 |
|||
Total expenses* |
1889 |
2227 |
576 |
635 |
1429 |
1701 |
627 |
728 |
||||
VI. |
Profit |
-1977 |
161 |
-482 |
51 |
-1757 |
10 |
-367 |
-65 |
|||
Total (III+IV+V+VI) |
1766 |
2388 |
551 |
687 |
1203 |
1711 |
435 |
700 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended 31st March |
||||||||||||
Items |
Kolar |
Koraput |
Kosi Kshetriya |
Krishna |
||||||||
Gramin Bank |
Panchabati |
Gramin Bank |
Gramin Bank |
|||||||||
|
Gramin Bank |
|
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(185) |
(186) |
(187) |
(188) |
(189) |
(190) |
(191) |
(192) |
||
Income |
||||||||||||
I. |
Interest Earned |
1097 |
1377 |
1347 |
1491 |
845 |
1123 |
1856 |
2673 |
|||
a) |
Interest/discount on advances/bills |
576 |
769 |
460 |
608 |
204 |
341 |
1247 |
1806 |
|||
b) |
Income on Investments |
517 |
604 |
887 |
880 |
- |
6 |
259 |
361 |
|||
c) |
Interest on balances with |
- |
5 |
- |
- |
642 |
776 |
350 |
505 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
5 |
- |
- |
3 |
- |
- |
- |
- |
|||
II. |
Other income |
66 |
71 |
46 |
285 |
21 |
34 |
49 |
47 |
|||
a) |
Commission, exchange and brokerage |
10 |
16 |
- |
- |
4 |
6 |
49 |
47 |
|||
b) |
Other miscellaneous income |
56 |
55 |
46 |
285 |
17 |
28 |
- |
- |
|||
Total (I+II) |
1164 |
1449 |
1392 |
1776 |
866 |
1157 |
1906 |
2720 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
643 |
741 |
711 |
848 |
859 |
1035 |
1218 |
1645 |
|||
a) |
Interest on deposits |
486 |
558 |
557 |
673 |
804 |
998 |
927 |
1185 |
|||
b) |
Interest on RBI/inter-bank borrowings |
158 |
164 |
154 |
174 |
55 |
37 |
- |
459 |
|||
c) |
Others |
- |
19 |
- |
- |
- |
- |
291 |
1 |
|||
IV. |
Operating expenses |
414 |
375 |
596 |
568 |
1031 |
907 |
715 |
583 |
|||
a) |
Payments to and provisions for employees |
375 |
324 |
508 |
523 |
652 |
776 |
441 |
485 |
|||
b) |
Rent, taxes and lighting |
9 |
13 |
9 |
10 |
11 |
12 |
11 |
14 |
|||
c) |
Printing and stationery |
2 |
9 |
8 |
7 |
10 |
11 |
10 |
10 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
3 |
3 |
4 |
4 |
3 |
4 |
4 |
5 |
|||
f) |
Directors' fees, allowances and expenses |
- |
1 |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
3 |
5 |
4 |
6 |
2 |
2 |
3 |
5 |
|||
j) |
Repairs and maintenance |
1 |
- |
1 |
1 |
2 |
1 |
1 |
1 |
|||
k) |
Insurance |
8 |
5 |
41 |
9 |
26 |
8 |
7 |
9 |
|||
l) |
Other expenditure |
13 |
14 |
18 |
6 |
323 |
91 |
236 |
52 |
|||
V. |
Provisions and contingencies |
430 |
42 |
395 |
35 |
- |
19 |
-311 |
106 |
|||
Total expenses* |
1057 |
1116 |
1307 |
1416 |
1890 |
1942 |
1933 |
2228 |
||||
VI. |
Profit |
-323 |
290 |
-310 |
325 |
-1024 |
-804 |
284 |
386 |
|||
Total (III+IV+V+VI) |
1164 |
1449 |
1392 |
1776 |
866 |
1157 |
1906 |
2720 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |