Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 7 of 13) - આરબીઆઈ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 7 of 13)
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Kshetriya |
Kutch |
K.Kisan |
Lakhimi |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gaonlia Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(193) |
(194) |
(195) |
(196) |
(197) |
(198) |
(199) |
(200) |
||
Income |
||||||||||||
I. |
Interest Earned |
871 |
1317 |
751 |
895 |
704 |
948 |
852 |
1048 |
|||
a) |
Interest/discount on advances/bills |
354 |
530 |
173 |
309 |
202 |
226 |
175 |
211 |
|||
b) |
Income on Investments |
256 |
455 |
274 |
71 |
56 |
402 |
534 |
575 |
|||
c) |
Interest on balances with |
261 |
332 |
303 |
183 |
155 |
320 |
4 |
- |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
331 |
291 |
- |
139 |
262 |
|||
II. |
Other income |
25 |
35 |
27 |
17 |
15 |
36 |
38 |
1040 |
|||
a) |
Commission, exchange and brokerage |
25 |
34 |
9 |
7 |
3 |
9 |
16 |
21 |
|||
b) |
Other miscellaneous income |
- |
1 |
18 |
10 |
12 |
27 |
22 |
1019 |
|||
Total (I+II) |
896 |
1352 |
778 |
911 |
719 |
984 |
889 |
2088 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
693 |
857 |
527 |
856 |
712 |
647 |
635 |
776 |
|||
a) |
Interest on deposits |
633 |
779 |
480 |
465 |
364 |
586 |
582 |
711 |
|||
b) |
Interest on RBI/inter-bank borrowings |
4 |
4 |
47 |
59 |
58 |
61 |
52 |
64 |
|||
c) |
Others |
55 |
74 |
- |
331 |
291 |
- |
- |
1 |
|||
IV. |
Operating expenses |
443 |
482 |
200 |
356 |
585 |
213 |
604 |
513 |
|||
a) |
Payments to and provisions for employees |
393 |
433 |
182 |
300 |
244 |
191 |
538 |
453 |
|||
b) |
Rent, taxes and lighting |
11 |
12 |
3 |
6 |
5 |
4 |
14 |
14 |
|||
c) |
Printing and stationery |
5 |
5 |
3 |
3 |
3 |
4 |
7 |
8 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
3 |
2 |
2 |
2 |
3 |
3 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
- |
1 |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
2 |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
2 |
1 |
1 |
2 |
2 |
2 |
|||
j) |
Repairs and maintenance |
4 |
3 |
1 |
- |
- |
- |
1 |
1 |
|||
k) |
Insurance |
6 |
6 |
2 |
9 |
11 |
3 |
1 |
1 |
|||
l) |
Other expenditure |
18 |
17 |
5 |
34 |
318 |
4 |
37 |
31 |
|||
V. |
Provisions and contingencies |
898 |
- |
- |
- |
- |
- |
1255 |
2 |
|||
Total expenses* |
1136 |
1338 |
727 |
1212 |
1297 |
860 |
1238 |
1289 |
||||
VI. |
Profit |
-1138 |
14 |
51 |
-301 |
-579 |
124 |
-1604 |
797 |
|||
Total (III+IV+V+VI) |
896 |
1352 |
778 |
911 |
719 |
984 |
889 |
2088 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Langpi |
Madhubani |
Magadh |
Mahakaushal |
||||||||
Dehangi |
Kshetriya |
Gramin Bank |
Kshetriya |
|||||||||
Rural Bank |
Gramin Bank |
|
Gramin Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(201) |
(202) |
(203) |
(204) |
(205) |
(206) |
(207) |
(208) |
||
Income |
||||||||||||
I. |
Interest Earned |
140 |
234 |
225 |
367 |
2525 |
2883 |
80 |
367 |
|||
a) |
Interest/discount on advances/bills |
41 |
47 |
59 |
123 |
232 |
403 |
12 |
32 |
|||
b) |
Income on Investments |
39 |
143 |
- |
245 |
1660 |
1708 |
- |
105 |
|||
c) |
Interest on balances with |
61 |
44 |
166 |
- |
634 |
770 |
68 |
230 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
2 |
- |
- |
|||
II. |
Other income |
18 |
22 |
6 |
7 |
32 |
155 |
11 |
11 |
|||
a) |
Commission, exchange and brokerage |
10 |
14 |
6 |
6 |
3 |
5 |
3 |
5 |
|||
b) |
Other miscellaneous income |
8 |
8 |
- |
1 |
29 |
150 |
7 |
6 |
|||
Total (I+II) |
158 |
256 |
232 |
375 |
2557 |
3038 |
91 |
379 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
171 |
217 |
410 |
525 |
1670 |
1993 |
154 |
415 |
|||
a) |
Interest on deposits |
155 |
195 |
403 |
518 |
1616 |
1946 |
146 |
182 |
|||
b) |
Interest on RBI/inter-bank borrowings |
2 |
2 |
6 |
7 |
3 |
3 |
8 |
3 |
|||
c) |
Others |
14 |
20 |
- |
- |
52 |
44 |
- |
230 |
|||
IV. |
Operating expenses |
186 |
212 |
347 |
428 |
914 |
922 |
170 |
200 |
|||
a) |
Payments to and provisions for employees |
162 |
184 |
324 |
386 |
756 |
808 |
152 |
183 |
|||
b) |
Rent, taxes and lighting |
3 |
3 |
5 |
5 |
9 |
10 |
6 |
6 |
|||
c) |
Printing and stationery |
2 |
3 |
3 |
3 |
8 |
8 |
3 |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
2 |
1 |
3 |
4 |
3 |
1 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
2 |
2 |
- |
- |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
1 |
1 |
3 |
4 |
1 |
1 |
|||
j) |
Repairs and maintenance |
- |
1 |
1 |
1 |
1 |
1 |
- |
- |
|||
k) |
Insurance |
3 |
2 |
3 |
23 |
118 |
69 |
2 |
2 |
|||
l) |
Other expenditure |
14 |
17 |
9 |
7 |
13 |
15 |
3 |
4 |
|||
V. |
Provisions and contingencies |
47 |
25 |
188 |
48 |
1567 |
- |
287 |
- |
|||
Total expenses* |
358 |
430 |
756 |
953 |
2584 |
2915 |
324 |
615 |
||||
VI. |
Profit |
-246 |
-199 |
-713 |
-627 |
-1594 |
122 |
-521 |
-237 |
|||
Total (III+IV+V+VI) |
158 |
256 |
232 |
375 |
2557 |
3038 |
91 |
379 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Malaprabha |
Mallabhum |
Malwa |
Mandla |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Balaghat Kshetriya |
|||||||||
|
|
|
Gramin Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(209) |
(210) |
(211) |
(212) |
(213) |
(214) |
(215) |
(216) |
||
Income |
||||||||||||
I. |
Interest Earned |
5168 |
5878 |
2510 |
3196 |
691 |
955 |
195 |
335 |
|||
a) |
Interest/discount on advances/bills |
3453 |
3852 |
687 |
860 |
343 |
397 |
47 |
75 |
|||
b) |
Income on Investments |
767 |
1026 |
962 |
1233 |
136 |
186 |
- |
- |
|||
c) |
Interest on balances with |
948 |
1000 |
861 |
1103 |
213 |
372 |
148 |
260 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
366 |
250 |
262 |
305 |
59 |
67 |
13 |
8 |
|||
a) |
Commission, exchange and brokerage |
43 |
49 |
217 |
246 |
35 |
40 |
8 |
7 |
|||
b) |
Other miscellaneous income |
323 |
201 |
45 |
59 |
24 |
27 |
6 |
1 |
|||
Total (I+II) |
5534 |
6128 |
2771 |
3501 |
750 |
1023 |
208 |
343 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
2822 |
3046 |
2164 |
3036 |
417 |
540 |
223 |
297 |
|||
a) |
Interest on deposits |
1758 |
1976 |
2026 |
2896 |
303 |
418 |
220 |
290 |
|||
b) |
Interest on RBI/inter-bank borrowings |
1064 |
1070 |
138 |
140 |
113 |
122 |
3 |
7 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
1695 |
1852 |
1169 |
1257 |
138 |
158 |
191 |
220 |
|||
a) |
Payments to and provisions for employees |
1485 |
1610 |
1069 |
1151 |
118 |
134 |
168 |
194 |
|||
b) |
Rent, taxes and lighting |
31 |
38 |
24 |
25 |
4 |
5 |
4 |
4 |
|||
c) |
Printing and stationery |
21 |
22 |
13 |
14 |
2 |
2 |
2 |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
13 |
14 |
4 |
4 |
3 |
3 |
1 |
1 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
4 |
3 |
2 |
2 |
1 |
1 |
- |
- |
|||
h) |
Law charges |
1 |
1 |
1 |
1 |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
17 |
21 |
1 |
1 |
1 |
1 |
1 |
1 |
|||
j) |
Repairs and maintenance |
2 |
3 |
2 |
1 |
- |
- |
- |
- |
|||
k) |
Insurance |
12 |
13 |
14 |
18 |
1 |
3 |
4 |
6 |
|||
l) |
Other expenditure |
109 |
126 |
38 |
38 |
8 |
10 |
11 |
11 |
|||
V. |
Provisions and contingencies |
987 |
308 |
1032 |
16 |
45 |
41 |
71 |
23 |
|||
Total expenses* |
4517 |
4898 |
3333 |
4292 |
555 |
699 |
414 |
517 |
||||
VI. |
Profit |
30 |
922 |
-1594 |
-808 |
150 |
283 |
-277 |
-197 |
|||
Total (III+IV+V+VI) |
5534 |
6128 |
2771 |
3501 |
750 |
1023 |
208 |
343 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Manipur |
Manjira |
Marathwada |
Marudhar |
||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Kshetriya |
|||||||||
|
|
|
Gramin Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(217) |
(218) |
(219) |
(220) |
(221) |
(222) |
(223) |
(224) |
||
Income |
||||||||||||
I. |
Interest Earned |
137 |
161 |
1233 |
1748 |
2640 |
3032 |
251 |
339 |
|||
a) |
Interest/discount on advances/bills |
29 |
40 |
824 |
1051 |
959 |
1327 |
121 |
176 |
|||
b) |
Income on Investments |
11 |
11 |
186 |
301 |
1662 |
1700 |
4 |
7 |
|||
c) |
Interest on balances with |
97 |
110 |
223 |
396 |
19 |
5 |
- |
- |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
126 |
156 |
|||
II. |
Other income |
5 |
6 |
143 |
69 |
126 |
119 |
14 |
66 |
|||
a) |
Commission, exchange and brokerage |
1 |
2 |
15 |
26 |
110 |
97 |
2 |
2 |
|||
b) |
Other miscellaneous income |
4 |
4 |
128 |
43 |
15 |
22 |
12 |
63 |
|||
Total (I+II) |
142 |
167 |
1376 |
1817 |
2766 |
3151 |
265 |
405 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
91 |
116 |
909 |
1082 |
1765 |
1954 |
386 |
482 |
|||
a) |
Interest on deposits |
62 |
80 |
665 |
820 |
1405 |
1542 |
363 |
449 |
|||
b) |
Interest on RBI/inter-bank borrowings |
29 |
36 |
244 |
262 |
360 |
412 |
- |
- |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
23 |
33 |
|||
IV. |
Operating expenses |
384 |
116 |
484 |
457 |
1133 |
1350 |
281 |
304 |
|||
a) |
Payments to and provisions for employees |
111 |
106 |
327 |
350 |
986 |
1183 |
243 |
268 |
|||
b) |
Rent, taxes and lighting |
4 |
4 |
9 |
10 |
26 |
31 |
5 |
5 |
|||
c) |
Printing and stationery |
2 |
2 |
5 |
7 |
16 |
12 |
4 |
4 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
6 |
7 |
6 |
7 |
1 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
3 |
3 |
- |
- |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
3 |
6 |
8 |
11 |
1 |
1 |
|||
j) |
Repairs and maintenance |
- |
- |
1 |
1 |
- |
- |
- |
- |
|||
k) |
Insurance |
1 |
1 |
5 |
6 |
11 |
11 |
3 |
3 |
|||
l) |
Other expenditure |
264 |
1 |
126 |
70 |
77 |
91 |
24 |
18 |
|||
V. |
Provisions and contingencies |
- |
- |
460 |
55 |
59 |
- |
49 |
13 |
|||
Total expenses* |
475 |
231 |
1393 |
1539 |
2898 |
3305 |
667 |
786 |
||||
VI. |
Profit |
-333 |
-64 |
-477 |
223 |
-191 |
-153 |
-452 |
-394 |
|||
Total (III+IV+V+VI) |
142 |
167 |
1376 |
1817 |
2766 |
3151 |
265 |
405 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |