Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 12 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 12 of 26)
REGIONAL RURAL BANKS |
|
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|
|
|
|
|
|
(Amount in Rs. lakh) |
|||||
For the year ended 31st March |
||||||||||||||
Bhilwara-Ajmer |
Bhojpur Rohtas |
Bijapur Gramin |
Bikaner Kshetriya |
|||||||||||
Kshetriya Gramin |
Gramin Bank |
Bank |
Gramin Bank |
|||||||||||
Items |
Bank |
|
|
|
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(49) |
(50) |
|
(51) |
(52) |
|
(53) |
(54) |
|
(55) |
(56) |
Income |
||||||||||||||
I. |
Interest earned |
540 |
756 |
2196 |
2931 |
1436 |
2037 |
56 |
94 |
|||||
a) |
Interest/discount on advances/bills |
321 |
446 |
271 |
403 |
989 |
1292 |
20 |
40 |
|||||
b) |
Income on investments |
6 |
89 |
855 |
1401 |
75 |
213 |
34 |
53 |
|||||
c) |
Interest on balances with RBI and other |
213 |
221 |
1058 |
1127 |
372 |
532 |
2 |
1 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
11 |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
70 |
75 |
85 |
98 |
206 |
96 |
12 |
11 |
|||||
a) |
Commission, exchange, brokerage, etc. |
26 |
32 |
2 |
3 |
7 |
10 |
1 |
2 |
|||||
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 |
- |
- |
- |
- |
- |
- |
- |
1 |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
44 |
42 |
|
82 |
95 |
|
199 |
86 |
|
11 |
8 |
||
|
Total (I+II) |
|
610 |
830 |
|
2281 |
3029 |
|
1642 |
2133 |
|
68 |
104 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
403 |
546 |
1481 |
1987 |
870 |
1147 |
74 |
108 |
|||||
a) |
Interest on deposits |
331 |
468 |
1430 |
1924 |
539 |
761 |
69 |
103 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
72 |
78 |
51 |
63 |
61 |
72 |
- |
- |
|||||
c) |
Others |
- |
- |
- |
- |
269 |
314 |
5 |
5 |
|||||
IV. |
Operating expenses |
190 |
208 |
796 |
853 |
556 |
492 |
76 |
86 |
|||||
a) |
Payments to and provisions for employees |
163 |
175 |
723 |
773 |
415 |
444 |
65 |
68 |
|||||
b) |
Rent, taxes and lighting |
7 |
8 |
10 |
10 |
5 |
5 |
3 |
3 |
|||||
c) |
Printing and stationery |
4 |
4 |
6 |
12 |
6 |
8 |
1 |
2 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
4 |
4 |
6 |
2 |
4 |
1 |
1 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
2 |
1 |
1 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
1 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
3 |
4 |
4 |
4 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
2 |
2 |
1 |
2 |
- |
- |
- |
1 |
|||||
k) |
Insurance |
3 |
3 |
27 |
17 |
- |
- |
1 |
4 |
|||||
l) |
Other expenditure |
7 |
9 |
20 |
24 |
122 |
26 |
5 |
6 |
|||||
V. |
Provisions and contingencies |
12 |
68 |
170 |
2506 |
82 |
179 |
11 |
15 |
|||||
Total expenses |
605 |
822 |
2447 |
5345 |
1508 |
1818 |
161 |
208 |
||||||
VI. |
Profit (loss) |
5 |
8 |
|
(166) |
(2316) |
|
134 |
314 |
|
(93) |
(104) |
||
Total (III+IV+V+VI) |
|
610 |
830 |
|
2281 |
3029 |
|
1642 |
2133 |
|
68 |
104 |
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended 31st March |
||||||||||||||
Bilaspur Raipur |
Bolangir Anchalik |
Buldhana Gramin |
Bundelkhand |
|||||||||||
Kshetriya Gramin |
Gramin Bank |
Bank |
Kshetriya Gramin |
|||||||||||
Items |
Bank |
|
|
Bank |
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(57) |
(58) |
|
(59) |
(60) |
|
(61) |
(62) |
|
(63) |
(64) |
Income |
||||||||||||||
I. |
Interest earned |
857 |
1211 |
624 |
892 |
171 |
281 |
1127 |
1435 |
|||||
a) |
Interest/discount on advances/bills |
209 |
408 |
256 |
392 |
123 |
200 |
244 |
84 |
|||||
b) |
Income on investments |
641 |
168 |
51 |
118 |
2 |
9 |
136 |
125 |
|||||
c) |
Interest on balances with RBI and other |
6 |
634 |
318 |
381 |
46 |
72 |
277 |
687 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
1 |
- |
- |
- |
- |
470 |
538 |
|||||
II. |
Other income |
34 |
30 |
11 |
18 |
13 |
16 |
12 |
12 |
|||||
a) |
Commission, exchange, brokerage, etc. |
14 |
15 |
10 |
17 |
9 |
12 |
11 |
12 |
|||||
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 |
- |
- |
- |
- |
- |
- |
1 |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
20 |
15 |
|
1 |
- |
|
4 |
4 |
|
- |
- |
||
|
Total (I+II) |
|
891 |
1240 |
|
635 |
909 |
|
184 |
296 |
|
1140 |
1447 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
782 |
1051 |
749 |
1006 |
120 |
175 |
919 |
1322 |
|||||
a) |
Interest on deposits |
698 |
997 |
553 |
807 |
82 |
125 |
500 |
744 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
84 |
15 |
196 |
198 |
38 |
49 |
43 |
40 |
|||||
c) |
Others |
- |
38 |
- |
- |
- |
- |
375 |
538 |
|||||
IV. |
Operating expenses |
528 |
589 |
653 |
835 |
105 |
104 |
452 |
453 |
|||||
a) |
Payments to and provisions for employees |
455 |
517 |
583 |
758 |
69 |
69 |
409 |
411 |
|||||
b) |
Rent, taxes and lighting |
12 |
14 |
17 |
21 |
4 |
5 |
6 |
8 |
|||||
c) |
Printing and stationery |
7 |
10 |
12 |
13 |
2 |
3 |
4 |
5 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
1 |
3 |
3 |
2 |
2 |
1 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
2 |
- |
- |
1 |
1 |
|||||
h) |
Law charges |
- |
1 |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
3 |
4 |
5 |
4 |
1 |
2 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
- |
1 |
3 |
2 |
- |
1 |
1 |
1 |
|||||
k) |
Insurance |
21 |
7 |
7 |
6 |
1 |
1 |
7 |
3 |
|||||
l) |
Other expenditure |
26 |
34 |
22 |
26 |
25 |
22 |
22 |
20 |
|||||
V. |
Provisions and contingencies |
307 |
62 |
704 |
677 |
26 |
24 |
1412 |
637 |
|||||
Total expenses |
1617 |
1702 |
2106 |
2517 |
250 |
302 |
2783 |
2412 |
||||||
VI. |
Profit (loss) |
(727) |
(462) |
|
(1471) |
(1608) |
|
(67) |
(6) |
|
(1643) |
(964) |
||
Total (III+IV+V+VI) |
|
891 |
1240 |
|
635 |
909 |
|
184 |
296 |
|
1140 |
1447 |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Bundi-Chittor |
Cachar Gramin Bank |
Causerie Gramin |
Chaitanya Gramin |
|||||||||||
Kshetriya Gramin |
Bank |
Bank |
||||||||||||
Items |
Bank |
|
|
|
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(65) |
(66) |
|
(67) |
(68) |
|
(69) |
(70) |
|
(71) |
(72) |
Income |
||||||||||||||
I. |
Interest earned |
418 |
560 |
107 |
206 |
1262 |
1625 |
632 |
827 |
|||||
a) |
Interest/discount on advances/bills |
286 |
352 |
26 |
46 |
750 |
962 |
392 |
499 |
|||||
b) |
Income on investments |
- |
5 |
- |
99 |
235 |
218 |
27 |
86 |
|||||
c) |
Interest on balances with RBI and other |
- |
- |
81 |
1 |
277 |
444 |
212 |
241 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
132 |
203 |
- |
60 |
- |
- |
- |
- |
|||||
II. |
Other income |
37 |
23 |
9 |
19 |
93 |
119 |
40 |
48 |
|||||
a) |
Commission, exchange, brokerage, etc. |
3 |
4 |
3 |
11 |
83 |
106 |
7 |
17 |
|||||
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 |
- |
1 |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
34 |
18 |
|
6 |
9 |
|
10 |
13 |
|
32 |
32 |
||
|
Total (I+II) |
|
455 |
583 |
|
116 |
226 |
|
1355 |
1744 |
|
671 |
875 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
413 |
533 |
144 |
224 |
865 |
1078 |
443 |
578 |
|||||
a) |
Interest on deposits |
287 |
412 |
134 |
208 |
635 |
844 |
304 |
433 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
10 |
16 |
230 |
234 |
35 |
36 |
|||||
c) |
Others |
126 |
121 |
- |
- |
- |
- |
104 |
109 |
|||||
IV. |
Operating expenses |
235 |
295 |
303 |
286 |
537 |
748 |
238 |
260 |
|||||
a) |
Payments to and provisions for employees |
212 |
262 |
131 |
145 |
447 |
643 |
208 |
228 |
|||||
b) |
Rent, taxes and lighting |
5 |
6 |
5 |
6 |
8 |
12 |
6 |
8 |
|||||
c) |
Printing and stationery |
3 |
4 |
2 |
3 |
6 |
8 |
2 |
5 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
1 |
2 |
3 |
3 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
1 |
2 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
5 |
5 |
3 |
4 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
- |
1 |
1 |
1 |
|||||
k) |
Insurance |
- |
2 |
- |
- |
49 |
14 |
9 |
4 |
|||||
l) |
Other expenditure |
9 |
13 |
162 |
128 |
17 |
59 |
5 |
6 |
|||||
V. |
Provisions and contingencies |
52 |
168 |
- |
- |
880 |
581 |
15 |
57 |
|||||
Total expenses |
700 |
995 |
447 |
510 |
2282 |
2407 |
696 |
895 |
||||||
VI. |
Profit (loss) |
(245) |
(412) |
|
(331) |
(284) |
|
(926) |
(663) |
|
(25) |
(20) |
||
Total (III+IV+V+VI) |
|
455 |
583 |
|
116 |
226 |
|
1355 |
1744 |
|
671 |
875 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |