Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 13 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 13 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Items |
Chambal Kshetriya |
Champaran Kshetriya |
Chandrapur |
Chhatrasal |
||||||||||
Gramin Bank |
Gramin Bank |
Gadchiroli |
Gramin Bank |
|||||||||||
|
|
Gramin Bank |
|
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(73) |
(74) |
|
(75) |
(76) |
|
(77) |
(78) |
|
(79) |
(80) |
Income |
||||||||||||||
I. |
Interest earned |
75 |
195 |
480 |
673 |
287 |
287 |
580 |
864 |
|||||
a) |
Interest/discount on advances/bills |
30 |
68 |
136 |
183 |
120 |
120 |
162 |
212 |
|||||
b) |
Income on investments |
- |
- |
- |
- |
107 |
107 |
162 |
235 |
|||||
c) |
Interest on balances with RBI and other |
45 |
127 |
344 |
490 |
60 |
60 |
255 |
417 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
22 |
26 |
17 |
12 |
4 |
4 |
24 |
41 |
|||||
a) |
Commission, exchange, brokerage, etc. |
1 |
2 |
3 |
4 |
4 |
4 |
24 |
41 |
|||||
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 |
21 |
24 |
|
14 |
8 |
|
- |
- |
|
- |
- |
||
|
Total (I+II) |
|
97 |
221 |
|
497 |
684 |
|
291 |
291 |
|
604 |
905 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
137 |
225 |
602 |
815 |
254 |
255 |
408 |
519 |
|||||
a) |
Interest on deposits |
127 |
218 |
577 |
789 |
236 |
237 |
347 |
461 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
10 |
6 |
- |
- |
3 |
3 |
- |
- |
|||||
c) |
Others |
- |
1 |
24 |
26 |
15 |
15 |
61 |
58 |
|||||
IV. |
Operating expenses |
145 |
155 |
703 |
600 |
195 |
195 |
374 |
409 |
|||||
a) |
Payments to and provisions for employees |
116 |
129 |
509 |
561 |
177 |
177 |
335 |
378 |
|||||
b) |
Rent, taxes and lighting |
4 |
5 |
9 |
10 |
4 |
4 |
7 |
7 |
|||||
c) |
Printing and stationery |
3 |
2 |
3 |
3 |
4 |
4 |
3 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
2 |
2 |
1 |
1 |
3 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
1 |
1 |
3 |
2 |
|||||
j) |
Repairs and maintenance |
- |
- |
- |
- |
1 |
1 |
1 |
1 |
|||||
k) |
Insurance |
9 |
7 |
18 |
12 |
1 |
1 |
14 |
6 |
|||||
l) |
Other expenditure |
9 |
8 |
161 |
9 |
5 |
5 |
7 |
6 |
|||||
V. |
Provisions and contingencies |
71 |
5 |
201 |
136 |
39 |
39 |
250 |
144 |
|||||
Total expenses |
353 |
386 |
1506 |
1552 |
489 |
489 |
1031 |
1071 |
||||||
VI. |
Profit (loss) |
(257) |
(165) |
|
(1009) |
(867) |
|
(198) |
(198) |
|
(427) |
(167) |
||
Total (III+IV+V+VI) |
|
97 |
221 |
|
497 |
684 |
|
291 |
291 |
|
604 |
905 |
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(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Chhindwara Seoni |
Chikmagalur |
Chitradurga |
Cuttack |
||||||||||
Kshetriya Gramin |
Kodagu |
Gramin Bank |
Gramya Bank |
|||||||||||
Bank |
Gramin Bank |
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|
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(81) |
(82) |
|
(83) |
(84) |
|
(85) |
(86) |
|
(87) |
(88) |
Income |
||||||||||||||
I. |
Interest earned |
176 |
361 |
468 |
782 |
694 |
1056 |
1156 |
1484 |
|||||
a) |
Interest/discount on advances/bills |
56 |
163 |
314 |
531 |
466 |
628 |
406 |
492 |
|||||
b) |
Income on investments |
111 |
188 |
- |
46 |
38 |
63 |
36 |
147 |
|||||
c) |
Interest on balances with RBI and other |
- |
10 |
155 |
205 |
191 |
366 |
714 |
845 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
9 |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
30 |
33 |
30 |
38 |
50 |
55 |
51 |
151 |
|||||
a) |
Commission, exchange, brokerage, etc. |
24 |
27 |
6 |
7 |
9 |
10 |
13 |
13 |
|||||
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 |
6 |
6 |
|
23 |
31 |
|
41 |
45 |
|
38 |
138 |
||
|
Total (I+II) |
|
206 |
394 |
|
498 |
819 |
|
745 |
1111 |
|
1207 |
1635 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
229 |
368 |
303 |
453 |
567 |
694 |
908 |
1352 |
|||||
a) |
Interest on deposits |
223 |
361 |
208 |
301 |
401 |
500 |
775 |
1208 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
6 |
7 |
95 |
153 |
166 |
- |
133 |
143 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
193 |
- |
- |
|||||
IV. |
Operating expenses |
230 |
257 |
185 |
224 |
408 |
435 |
842 |
864 |
|||||
a) |
Payments to and provisions for employees |
190 |
208 |
159 |
207 |
359 |
384 |
683 |
680 |
|||||
b) |
Rent, taxes and lighting |
7 |
8 |
4 |
4 |
8 |
9 |
19 |
20 |
|||||
c) |
Printing and stationery |
5 |
5 |
4 |
4 |
6 |
5 |
10 |
13 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
1 |
2 |
3 |
2 |
3 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
1 |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
1 |
1 |
- |
1 |
1 |
1 |
2 |
|||||
h) |
Law charges |
1 |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
1 |
1 |
4 |
4 |
5 |
6 |
|||||
j) |
Repairs and maintenance |
- |
- |
- |
1 |
1 |
2 |
1 |
1 |
|||||
k) |
Insurance |
- |
- |
3 |
2 |
6 |
4 |
84 |
103 |
|||||
l) |
Other expenditure |
22 |
31 |
12 |
2 |
20 |
22 |
35 |
36 |
|||||
V. |
Provisions and contingencies |
- |
- |
31 |
60 |
- |
430 |
51 |
2106 |
|||||
Total expenses |
458 |
625 |
519 |
738 |
975 |
1558 |
1755 |
4321 |
||||||
VI. |
Profit (loss) |
(252) |
(231) |
|
(21) |
81 |
|
(230) |
(447) |
|
(548) |
(2686) |
||
Total (III+IV+V+VI) |
|
206 |
394 |
|
498 |
819 |
|
745 |
1111 |
|
1207 |
1635 |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Damoh Panna |
Devipatan |
Dewas Shajapur |
Dhenkanal |
||||||||||
Sagar |
Kshetriya |
Kshetriya Gramin |
Gramin Bank |
|||||||||||
Gramin Bank |
Gramin Bank |
Bank |
|
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(89) |
(90) |
|
(91) |
(92) |
|
(93) |
(94) |
|
(95) |
(96) |
Income |
||||||||||||||
I. |
Interest earned |
334 |
465 |
677 |
1209 |
335 |
553 |
424 |
758 |
|||||
a) |
Interest/discount on advances/bills |
101 |
103 |
134 |
218 |
105 |
198 |
200 |
379 |
|||||
b) |
Income on investments |
- |
- |
264 |
455 |
103 |
194 |
110 |
223 |
|||||
c) |
Interest on balances with RBI and other |
- |
- |
279 |
536 |
127 |
159 |
113 |
157 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
232 |
363 |
- |
- |
- |
1 |
- |
- |
|||||
II. |
Other income |
24 |
17 |
125 |
66 |
31 |
32 |
4 |
9 |
|||||
a) |
Commission, exchange, brokerage, etc. |
9 |
10 |
21 |
10 |
3 |
4 |
1 |
5 |
|||||
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 |
14 |
7 |
|
103 |
56 |
|
28 |
28 |
|
1 |
4 |
||
|
Total (I+II) |
|
357 |
482 |
|
802 |
1275 |
|
366 |
585 |
|
427 |
767 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
355 |
517 |
419 |
625 |
289 |
464 |
362 |
556 |
|||||
a) |
Interest on deposits |
318 |
482 |
378 |
570 |
268 |
436 |
279 |
440 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
36 |
33 |
41 |
54 |
21 |
28 |
83 |
116 |
|||||
c) |
Others |
1 |
2 |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
265 |
295 |
341 |
454 |
231 |
252 |
202 |
286 |
|||||
a) |
Payments to and provisions for employees |
249 |
262 |
313 |
396 |
203 |
224 |
180 |
258 |
|||||
b) |
Rent, taxes and lighting |
6 |
7 |
7 |
7 |
7 |
8 |
4 |
5 |
|||||
c) |
Printing and stationery |
3 |
4 |
3 |
5 |
3 |
2 |
2 |
6 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
2 |
3 |
2 |
2 |
2 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
- |
- |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
2 |
2 |
1 |
2 |
|||||
j) |
Repairs and maintenance |
- |
- |
- |
1 |
1 |
1 |
1 |
- |
|||||
k) |
Insurance |
3 |
5 |
5 |
10 |
2 |
2 |
1 |
1 |
|||||
l) |
Other expenditure |
2 |
13 |
8 |
30 |
10 |
11 |
10 |
11 |
|||||
V. |
Provisions and contingencies |
- |
202 |
31 |
478 |
(29) |
147 |
52 |
90 |
|||||
Total expenses |
621 |
1014 |
791 |
1556 |
491 |
863 |
616 |
932 |
||||||
VI. |
Profit (loss) |
(264) |
(532) |
|
11 |
(281) |
|
(125) |
(279) |
|
(189) |
(165) |
||
Total (III+IV+V+VI) |
|
357 |
482 |
|
802 |
1275 |
|
366 |
585 |
|
427 |
767 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |