Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 1 of 13) - આરબીઆઈ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 1 of 13)
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|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Adhiyaman |
Akola Gramin |
Alaknanda |
Aligarh |
|||||||
Items |
Gramin Bank |
Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
Income |
||||||||||
I. |
Interest Earned |
418 |
481 |
270 |
299 |
430 |
610 |
2312 |
3181 |
|
a) |
Interest/discount on advances/bills |
291 |
346 |
155 |
166 |
71 |
104 |
936 |
1183 |
|
b) |
Income on Investments |
9 |
15 |
- |
- |
131 |
104 |
821 |
1233 |
|
c) |
Interest on balances with |
119 |
120 |
115 |
134 |
228 |
402 |
555 |
765 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
26 |
39 |
16 |
18 |
17 |
47 |
135 |
99 |
|
a) |
Commission, exchange and brokerage |
3 |
5 |
11 |
11 |
9 |
5 |
18 |
62 |
|
b) |
Other miscellaneous income |
22 |
34 |
5 |
6 |
7 |
41 |
117 |
37 |
|
Total (I+II) |
443 |
520 |
286 |
317 |
447 |
656 |
2447 |
3280 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
259 |
242 |
219 |
260 |
319 |
404 |
1469 |
1865 |
|
a) |
Interest on deposits |
155 |
189 |
171 |
201 |
301 |
384 |
1192 |
1549 |
|
b) |
Interest on RBI/inter-bank borrowings |
104 |
53 |
- |
- |
18 |
21 |
277 |
316 |
|
c) |
Others |
- |
- |
48 |
59 |
- |
- |
- |
- |
|
IV. |
Operating expenses |
115 |
130 |
175 |
210 |
216 |
174 |
527 |
558 |
|
a) |
Payments to and provisions for employees |
96 |
105 |
152 |
184 |
182 |
136 |
432 |
500 |
|
b) |
Rent, taxes and lighting |
3 |
4 |
6 |
7 |
4 |
5 |
13 |
14 |
|
c) |
Printing and stationery |
2 |
3 |
3 |
2 |
2 |
2 |
5 |
8 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
2 |
1 |
2 |
1 |
1 |
4 |
4 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
1 |
- |
- |
- |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
1 |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
3 |
1 |
2 |
1 |
1 |
3 |
3 |
|
j) |
Repairs and maintenance |
2 |
2 |
- |
- |
- |
- |
2 |
2 |
|
k) |
Insurance |
1 |
1 |
4 |
2 |
11 |
13 |
6 |
1 |
|
l) |
Other expenditure |
6 |
10 |
8 |
11 |
15 |
16 |
62 |
22 |
|
V. |
Provisions and contingencies |
92 |
14 |
38 |
10 |
20 |
- |
264 |
120 |
|
Total expenses* |
374 |
372 |
395 |
470 |
536 |
578 |
1996 |
2423 |
||
VI. |
Profit |
-22 |
134 |
-146 |
-163 |
-109 |
78 |
187 |
736 |
|
Total (III+IV+V+VI) |
443 |
520 |
286 |
317 |
447 |
656 |
2447 |
3280 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Allahabad |
Alwar |
Ambala |
Aravali |
|||||||
Kshetriya |
Bharatpur |
Kurukshetra |
Kshetriya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
Income |
||||||||||
I. |
Interest Earned |
1049 |
1378 |
768 |
1112 |
661 |
906 |
429 |
592 |
|
a) |
Interest/discount on advances/bills |
298 |
303 |
224 |
504 |
323 |
474 |
236 |
376 |
|
b) |
Income on Investments |
306 |
525 |
267 |
288 |
159 |
202 |
40 |
45 |
|
c) |
Interest on balances with |
445 |
550 |
278 |
320 |
174 |
229 |
154 |
170 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
5 |
1 |
- |
- |
|
II. |
Other income |
68 |
48 |
22 |
28 |
17 |
25 |
38 |
34 |
|
a) |
Commission, exchange and brokerage |
47 |
33 |
5 |
7 |
4 |
3 |
11 |
11 |
|
b) |
Other miscellaneous income |
21 |
15 |
17 |
21 |
14 |
21 |
27 |
22 |
|
Total (I+II) |
1117 |
1426 |
790 |
1140 |
679 |
931 |
467 |
626 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
1010 |
1235 |
674 |
761 |
457 |
605 |
499 |
600 |
|
a) |
Interest on deposits |
948 |
1180 |
643 |
713 |
395 |
494 |
453 |
537 |
|
b) |
Interest on RBI/inter-bank borrowings |
62 |
55 |
31 |
48 |
62 |
111 |
46 |
63 |
|
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
IV. |
Operating expenses |
585 |
659 |
352 |
405 |
165 |
191 |
263 |
302 |
|
a) |
Payments to and provisions for employees |
529 |
411 |
318 |
368 |
140 |
158 |
222 |
257 |
|
b) |
Rent, taxes and lighting |
13 |
12 |
8 |
10 |
5 |
6 |
8 |
8 |
|
c) |
Printing and stationery |
6 |
6 |
4 |
4 |
2 |
2 |
4 |
5 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
4 |
4 |
2 |
2 |
3 |
3 |
4 |
4 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
2 |
1 |
|
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
2 |
1 |
2 |
2 |
3 |
|
j) |
Repairs and maintenance |
- |
- |
- |
1 |
1 |
1 |
2 |
1 |
|
k) |
Insurance |
8 |
17 |
5 |
5 |
3 |
3 |
3 |
7 |
|
l) |
Other expenditure |
23 |
206 |
12 |
12 |
10 |
16 |
16 |
15 |
|
V. |
Provisions and contingencies |
540 |
302 |
539 |
- |
69 |
49 |
147 |
-41 |
|
Total expenses* |
1594 |
1894 |
1026 |
1166 |
622 |
796 |
762 |
901 |
||
VI. |
Profit |
-1017 |
-770 |
-774 |
-26 |
-12 |
86 |
-442 |
-234 |
|
Total (III+IV+V+VI) |
1117 |
1426 |
790 |
1140 |
679 |
931 |
467 |
626 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Arunachal |
Aurangabad |
|||||||||
Pradesh |
Jalana |
Avadh |
Baitarani |
|||||||
Items |
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
Income |
||||||||||
I. |
Interest Earned |
177 |
225 |
903 |
1025 |
2694 |
3135 |
761 |
885 |
|
a) |
Interest/discount on advances/bills |
67 |
157 |
336 |
406 |
364 |
512 |
296 |
393 |
|
b) |
Income on Investments |
37 |
68 |
466 |
607 |
2299 |
2596 |
246 |
234 |
|
c) |
Interest on balances with |
73 |
- |
23 |
12 |
30 |
26 |
219 |
257 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
78 |
- |
- |
- |
- |
- |
|
II. |
Other income |
9 |
15 |
99 |
74 |
8 |
63 |
10 |
12 |
|
a) |
Commission, exchange and brokerage |
5 |
8 |
54 |
69 |
6 |
12 |
8 |
5 |
|
b) |
Other miscellaneous income |
4 |
7 |
45 |
5 |
2 |
51 |
2 |
8 |
|
Total (I+II) |
187 |
240 |
1002 |
1099 |
2702 |
3198 |
771 |
897 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
97 |
129 |
485 |
500 |
1530 |
1829 |
670 |
816 |
|
a) |
Interest on deposits |
85 |
99 |
281 |
351 |
1407 |
1707 |
546 |
707 |
|
b) |
Interest on RBI/inter-bank borrowings |
12 |
30 |
205 |
149 |
122 |
122 |
24 |
110 |
|
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
IV. |
Operating expenses |
80 |
83 |
310 |
335 |
750 |
717 |
430 |
492 |
|
a) |
Payments to and provisions for employees |
68 |
72 |
232 |
263 |
637 |
655 |
391 |
456 |
|
b) |
Rent, taxes and lighting |
3 |
3 |
8 |
9 |
11 |
13 |
9 |
10 |
|
c) |
Printing and stationery |
3 |
3 |
10 |
5 |
10 |
12 |
6 |
6 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
1 |
4 |
6 |
6 |
8 |
3 |
- |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
- |
1 |
|
h) |
Law charges |
- |
- |
- |
1 |
1 |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
- |
- |
2 |
3 |
2 |
1 |
2 |
1 |
|
j) |
Repairs and maintenance |
- |
- |
2 |
2 |
2 |
2 |
- |
1 |
|
k) |
Insurance |
3 |
2 |
3 |
9 |
72 |
14 |
- |
6 |
|
l) |
Other expenditure |
1 |
2 |
48 |
37 |
9 |
10 |
19 |
11 |
|
V. |
Provisions and contingencies |
45 |
20 |
471 |
159 |
602 |
138 |
363 |
21 |
|
Total expenses* |
177 |
212 |
795 |
835 |
2280 |
2545 |
1099 |
1308 |
||
VI. |
Profit |
-36 |
8 |
-265 |
105 |
-181 |
514 |
-691 |
-432 |
|
Total (III+IV+V+VI) |
187 |
240 |
1002 |
1099 |
2702 |
3198 |
771 |
897 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Banaskantha |
||||||||||
Balasore |
Balia Kshetriya |
Mehsana |
Bara Banki |
|||||||
Items |
Gramya Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
Income |
||||||||||
I. |
Interest Earned |
224 |
235 |
1341 |
1786 |
603 |
851 |
1946 |
2132 |
|
a) |
Interest/discount on advances/bills |
189 |
188 |
341 |
418 |
257 |
337 |
271 |
321 |
|
b) |
Income on Investments |
- |
- |
- |
374 |
333 |
212 |
1193 |
1235 |
|
c) |
Interest on balances with |
35 |
46 |
1000 |
- |
9 |
295 |
464 |
530 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
993 |
4 |
6 |
18 |
46 |
|
II. |
Other income |
30 |
28 |
41 |
104 |
25 |
39 |
23 |
29 |
|
a) |
Commission, exchange and brokerage |
4 |
3 |
21 |
30 |
5 |
6 |
10 |
18 |
|
b) |
Other miscellaneous income |
26 |
26 |
20 |
73 |
20 |
33 |
12 |
11 |
|
Total (I+II) |
254 |
263 |
1383 |
1889 |
628 |
890 |
1969 |
2161 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
467 |
568 |
1091 |
1272 |
590 |
726 |
1100 |
1240 |
|
a) |
Interest on deposits |
389 |
480 |
1010 |
228 |
484 |
621 |
1010 |
1149 |
|
b) |
Interest on RBI/inter-bank borrowings |
7 |
9 |
2 |
961 |
106 |
105 |
90 |
91 |
|
c) |
Others |
72 |
80 |
80 |
84 |
- |
- |
- |
- |
|
IV. |
Operating expenses |
335 |
383 |
372 |
446 |
505 |
356 |
466 |
499 |
|
a) |
Payments to and provisions for employees |
291 |
352 |
341 |
411 |
281 |
314 |
420 |
454 |
|
b) |
Rent, taxes and lighting |
8 |
9 |
6 |
7 |
6 |
7 |
9 |
9 |
|
c) |
Printing and stationery |
2 |
1 |
5 |
5 |
3 |
4 |
6 |
6 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
2 |
2 |
2 |
2 |
2 |
3 |
3 |
|
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 |
1 |
1 |
1 |
2 |
2 |
2 |
|
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
1 |
1 |
1 |
1 |
|
k) |
Insurance |
15 |
3 |
6 |
- |
- |
- |
1 |
1 |
|
l) |
Other expenditure |
13 |
12 |
10 |
19 |
210 |
25 |
24 |
22 |
|
V. |
Provisions and contingencies |
416 |
105 |
2177 |
- |
- |
- |
251 |
47 |
|
Total expenses* |
802 |
951 |
1464 |
1718 |
1095 |
1082 |
1566 |
1739 |
||
VI. |
Profit |
-965 |
-794 |
-2258 |
171 |
-467 |
-192 |
152 |
375 |
|
Total (III+IV+V+VI) |
254 |
263 |
1383 |
1889 |
628 |
890 |
1969 |
2161 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |