Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 20 of 26) - આરબીઆઈ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 20 of 26)
REGIONAL RURAL BANKS |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Nadia | Nagaland | Nagarjuna | Nainital Almora | |||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Kshetriya Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (241) | (242) | | (243) | (244) | | (245) | (246) | | (247) | (248) |
Income | ||||||||||||||
I. | Interest earned | 534 | 941 | 37 | 79 | 1295 | 1204 | 394 | 700 | |||||
a) | Interest/discount on advances/bills | 134 | 232 | 4 | 7 | 542 | 514 | 233 | 322 | |||||
b) | Income on investments | 156 | 444 | - | - | 392 | 333 | 158 | 373 | |||||
c) | Interest on balances with RBI and other | 245 | 265 | 32 | 72 | 361 | 358 | 3 | 4 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||||
II. | Other income | 5 | 12 | 6 | 2 | 251 | 48 | 22 | 25 | |||||
a) | Commission, exchange, brokerage, etc. | 5 | 12 | 1 | 1 | 42 | 42 | 3 | 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 | - | - | - | - | - | - | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | - | - | | 5 | 2 | | 209 | 6 | | 19 | 15 | ||
| Total (I+II) | | 539 | 953 | | 43 | 81 | | 1546 | 1253 | | 416 | 725 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 450 | 651 | 25 | 92 | 861 | 1112 | 315 | 455 | |||||
a) | Interest on deposits | 373 | 551 | 12 | 46 | 738 | 938 | 264 | 383 | |||||
b) | Interest on RBI/inter-bank borrowings | 77 | 101 | 13 | 1 | 121 | 170 | 49 | 71 | |||||
c) | Others | - | - | - | 44 | 2 | 3 | 1 | 1 | |||||
IV. | Operating expenses | 294 | 315 | 28 | 33 | 724 | 860 | 204 | 225 | |||||
a) | Payments to and provisions for employees | 240 | 287 | 25 | 26 | 645 | 746 | 173 | 187 | |||||
b) | Rent, taxes and lighting | 5 | 6 | 1 | 1 | 18 | 20 | 10 | 14 | |||||
c) | Printing and stationery | 5 | 5 | - | - | 9 | 9 | 4 | 4 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 2 | - | - | 3 | 3 | 3 | 3 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | - | 1 | - | - | 1 | 2 | 1 | 1 | |||||
h) | Law charges | - | - | - | - | 2 | 1 | - | - | |||||
i) | Postage, telegrams, telephones, etc. | - | - | - | - | 3 | 4 | 2 | 2 | |||||
j) | Repairs and maintenance | - | - | - | - | 1 | 1 | 3 | 3 | |||||
k) | Insurance | 2 | 2 | 1 | 1 | 9 | 34 | 1 | 2 | |||||
l) | Other expenditure | 39 | 11 | - | 4 | 33 | 41 | 7 | 9 | |||||
V. | Provisions and contingencies | 1256 | 398 | 28 | - | 53 | 47 | 27 | 43 | |||||
Total expenses | 2000 | 1364 | 81 | 124 | 1638 | 2019 | 546 | 723 | ||||||
VI. | Profit (loss) | (1461) | (411) | | (38) | (43) | | (92) | (767) | | (129) | 2 | ||
Total (III+IV+V+VI) | | 539 | 953 | | 43 | 81 | | 1546 | 1253 | | 416 | 725 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Nalanda | Netravati | Nimar Kshetriya | North Malabar | |||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (249) | (250) | | (251) | (252) | | (253) | (254) | | (255) | (256) |
Income | ||||||||||||||
I. | Interest earned | 275 | 450 | 130 | 198 | 506 | 825 | 2284 | 3255 | |||||
a) | Interest/discount on advances/bills | 73 | 79 | 83 | 134 | 271 | 394 | 1795 | 2418 | |||||
b) | Income on investments | - | - | 4 | 9 | 116 | 125 | 489 | 837 | |||||
c) | Interest on balances with RBI and other | 202 | 372 | 44 | 56 | 119 | 306 | - | - | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||||
II. | Other income | 17 | 29 | 15 | 21 | 36 | 68 | 239 | 309 | |||||
a) | Commission, exchange, brokerage, etc. | 1 | 3 | 2 | 3 | 3 | 3 | 29 | 35 | |||||
b) | Net profit (loss) on sale of investments | - | - | - | - | 1 | 21 | - | - | |||||
c) | Net profit (loss) on revaluation of investments | - | - | - | - | - | - | - | - | |||||
d) | Net profit (loss) on sale of land, building | - | - | - | 1 | - | 1 | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 16 | 27 | | 13 | 18 | | 32 | 42 | | 210 | 274 | ||
| Total (I+II) | | 293 | 480 | | 145 | 219 | | 542 | 892 | | 2523 | 3564 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 373 | 546 | 97 | 140 | 447 | 612 | 1213 | 1616 | |||||
a) | Interest on deposits | 363 | 541 | 73 | 102 | 377 | 529 | 737 | 992 | |||||
b) | Interest on RBI/inter-bank borrowings | 10 | 6 | 25 | 38 | 5 | 5 | 477 | 625 | |||||
c) | Others | - | - | - | - | 66 | 79 | - | - | |||||
IV. | Operating expenses | 337 | 326 | 92 | 103 | 291 | 305 | 1090 | 1155 | |||||
a) | Payments to and provisions for employees | 258 | 284 | 82 | 92 | 243 | 270 | 912 | 944 | |||||
b) | Rent, taxes and lighting | 5 | 5 | 3 | 3 | 8 | 10 | 25 | 29 | |||||
c) | Printing and stationery | 2 | 2 | 1 | 1 | 5 | 5 | 13 | 16 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 2 | - | 1 | 3 | 3 | 5 | 7 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 1 | 1 | - | - | 1 | 1 | 2 | 2 | |||||
h) | Law charges | - | 1 | - | - | - | - | - | 1 | |||||
i) | Postage, telegrams, telephones, etc. | 2 | 1 | 1 | 1 | 2 | 2 | 14 | 16 | |||||
j) | Repairs and maintenance | - | - | - | - | 2 | 1 | 1 | 1 | |||||
k) | Insurance | 1 | 1 | 1 | 1 | - | - | 7 | 8 | |||||
l) | Other expenditure | 67 | 29 | 3 | 4 | 27 | 13 | 111 | 131 | |||||
V. | Provisions and contingencies | 99 | 246 | - | - | (59) | 194 | - | - | |||||
Total expenses | 809 | 1118 | 189 | 243 | 679 | 1112 | 2304 | 2771 | ||||||
VI. | Profit (loss) | (517) | (639) | | (44) | (24) | | (137) | (219) | | 219 | 793 | ||
Total (III+IV+V+VI) | | 293 | 480 | | 145 | 219 | | 542 | 892 | | 2523 | 3564 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Palamau Kshetriya | Panchmahal | Pandyan | Parvatiya | |||||||||||
Gramin Bank | Gramin Bank | Grama Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (257) | (258) | | (259) | (260) | | (261) | (262) | | (263) | (264) |
Income | ||||||||||||||
I. | Interest earned | 474 | 717 | 483 | 480 | 1601 | 2315 | 282 | ||||||
a) | Interest/discount on advances/bills | 93 | 128 | 316 | 176 | 1103 | 1639 | 59 | ||||||
b) | Income on investments | 162 | 193 | 60 | 130 | 498 | 673 | 140 | ||||||
c) | Interest on balances with RBI and other | 219 | 396 | 100 | 161 | - | - | 83 | ||||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | 7 | 13 | - | 3 | - | ||||||
N | ||||||||||||||
II. | Other income | 10 | 17 | 27 | 77 | 133 | 142 | 22 | ||||||
a) | Commission, exchange, brokerage, etc. | 9 | 15 | 8 | 12 | 114 | 128 | 1 | ||||||
b) | Net profit (loss) on sale of investments | - | - | - | - | - | - | - | O | |||||
c) | Net profit (loss) on revaluation of investments | - | - | - | - | - | - | - | ||||||
d) | Net profit (loss) on sale of land, building | - | - | - | - | 1 | - | - | ||||||
& other assets | T | |||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | ||||||
f) | Miscellaneous income | 2 | 2 | | 19 | 66 | | 17 | 14 | | 21 | | ||
| Total (I+II) | | 484 | 734 | | 510 | 557 | | 1734 | 2457 | | 304 | | |
Expenditure & Provisions | A | |||||||||||||
III. | Interest expended | 430 | 666 | 397 | 508 | 1175 | 1687 | 224 | ||||||
a) | Interest on deposits | 418 | 654 | 277 | 384 | 910 | 1298 | 196 | V | |||||
b) | Interest on RBI/inter-bank borrowings | 11 | 12 | 121 | 124 | 80 | 205 | 28 | ||||||
c) | Others | - | - | - | - | 186 | 184 | - | ||||||
A | ||||||||||||||
IV. | Operating expenses | 344 | 399 | 267 | 237 | 888 | 1178 | 101 | ||||||
a) | Payments to and provisions for employees | 287 | 321 | 190 | 199 | 736 | 1028 | 86 | ||||||
b) | Rent, taxes and lighting | 9 | 10 | 7 | 7 | 23 | 26 | 3 | I | |||||
c) | Printing and stationery | 5 | 11 | 4 | 4 | 16 | 20 | 2 | ||||||
d) | Advertisement and publicity | - | - | - | - | 1 | 1 | - | ||||||
e) | Depreciation on Bank's property | 2 | 3 | 3 | 2 | 7 | 9 | 2 | L | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | ||||||
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 2 | 2 | - | ||||||
h) | Law charges | - | - | 1 | 1 | - | - | - | A | |||||
i) | Postage, telegrams, telephones, etc. | 1 | 2 | 2 | 2 | 10 | 12 | 1 | ||||||
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | 1 | 2 | - | ||||||
k) | Insurance | 22 | 32 | - | - | 39 | 26 | 1 | B | |||||
l) | Other expenditure | 16 | 18 | 58 | 19 | 52 | 51 | 5 | ||||||
V. | Provisions and contingencies | 106 | 357 | - | - | 232 | 141 | - | L | |||||
Total expenses | 880 | 1421 | 664 | 745 | 2296 | 3006 | 324 | |||||||
E | ||||||||||||||
VI. | Profit (loss) | (396) | (687) | | (155) | (188) | | (561) | (548) | | (20) | | ||
Total (III+IV+V+VI) | | 484 | 734 | | 510 | 557 | | 1734 | 2457 | | 304 | |
Note | : Figures in bracket indicate loss. |
- | : Nil or negligible. |
Source | : Annual accounts of banks. |