Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 15 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 15 of 26)
REGIONAL RURAL BANKS |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Godavari |
Golconda |
Gomti |
Gopalganj |
||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya |
|||||||||||
|
|
|
Gramin Bank |
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(121) |
(122) |
|
(123) |
(124) |
|
(125) |
(126) |
|
(127) |
(128) |
Income |
||||||||||||||
I. |
Interest earned |
458 |
632 |
467 |
608 |
1201 |
1680 |
687 |
962 |
|||||
a) |
Interest/discount on advances/bills |
341 |
477 |
77 |
122 |
331 |
409 |
50 |
108 |
|||||
b) |
Income on investments |
31 |
59 |
275 |
346 |
266 |
540 |
98 |
120 |
|||||
c) |
Interest on balances with RBI and other |
86 |
96 |
70 |
81 |
604 |
731 |
538 |
734 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
45 |
60 |
- |
- |
- |
- |
|||||
II. |
Other income |
24 |
16 |
17 |
10 |
34 |
40 |
10 |
14 |
|||||
a) |
Commission, exchange, brokerage, etc. |
2 |
5 |
8 |
10 |
10 |
10 |
2 |
3 |
|||||
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 |
- |
- |
1 |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
22 |
11 |
|
9 |
- |
|
23 |
30 |
|
8 |
10 |
||
|
Total (I+II) |
|
482 |
648 |
|
484 |
618 |
|
1235 |
1721 |
|
696 |
975 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
311 |
410 |
455 |
553 |
912 |
1255 |
406 |
562 |
|||||
a) |
Interest on deposits |
208 |
274 |
125 |
166 |
808 |
1138 |
389 |
547 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
102 |
136 |
298 |
29 |
103 |
118 |
17 |
16 |
|||||
c) |
Others |
1 |
- |
32 |
358 |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
115 |
132 |
98 |
93 |
366 |
406 |
219 |
246 |
|||||
a) |
Payments to and provisions for employees |
94 |
103 |
76 |
73 |
333 |
363 |
200 |
212 |
|||||
b) |
Rent, taxes and lighting |
5 |
9 |
3 |
4 |
9 |
8 |
3 |
3 |
|||||
c) |
Printing and stationery |
3 |
4 |
3 |
2 |
6 |
6 |
2 |
2 |
|||||
d) |
Advertisement and publicity |
1 |
2 |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
3 |
3 |
2 |
2 |
2 |
3 |
1 |
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 |
2 |
1 |
1 |
1 |
1 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
1 |
2 |
- |
- |
1 |
1 |
1 |
1 |
|||||
k) |
Insurance |
1 |
- |
8 |
4 |
- |
8 |
6 |
21 |
|||||
l) |
Other expenditure |
5 |
6 |
5 |
6 |
14 |
15 |
5 |
4 |
|||||
V. |
Provisions and contingencies |
31 |
25 |
- |
28 |
90 |
9 |
- |
309 |
|||||
Total expenses |
457 |
567 |
553 |
673 |
1368 |
1671 |
625 |
1118 |
||||||
VI. |
Profit (loss) |
24 |
82 |
|
(70) |
(55) |
|
(133) |
50 |
|
71 |
(142) |
||
Total (III+IV+V+VI) |
|
482 |
648 |
|
484 |
618 |
|
1235 |
1721 |
|
696 |
975 |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Gorakhpur |
Gurdaspur Amritsar |
Gurgaon |
Gwalior Datia |
||||||||||
Kshetriya Gramin |
Gramin Bank |
Gramin Bank |
Kshetriya Gramin |
|||||||||||
Bank |
|
|
Bank |
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(129) |
(130) |
|
(131) |
(132) |
|
(133) |
(134) |
|
(135) |
(136) |
Income |
||||||||||||||
I. |
Interest earned |
5187 |
6768 |
602 |
870 |
3248 |
4467 |
214 |
372 |
|||||
a) |
Interest/discount on advances/bills |
812 |
1034 |
223 |
261 |
636 |
1003 |
49 |
95 |
|||||
b) |
Income on investments |
4374 |
5735 |
175 |
256 |
472 |
3464 |
105 |
- |
|||||
c) |
Interest on balances with RBI and other |
- |
- |
203 |
353 |
2140 |
- |
59 |
203 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
74 |
|||||
II. |
Other income |
80 |
58 |
13 |
16 |
90 |
179 |
4 |
3 |
|||||
a) |
Commission, exchange, brokerage, etc. |
53 |
48 |
10 |
11 |
9 |
11 |
3 |
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 |
- |
- |
- |
1 |
- |
1 |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
27 |
10 |
|
3 |
5 |
|
80 |
167 |
|
- |
1 |
||
|
Total (I+II) |
|
5267 |
6826 |
|
615 |
886 |
|
3338 |
4646 |
|
218 |
375 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
2951 |
3815 |
444 |
537 |
2193 |
2782 |
212 |
311 |
|||||
a) |
Interest on deposits |
2620 |
3445 |
382 |
478 |
1940 |
2488 |
134 |
211 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
331 |
370 |
61 |
59 |
253 |
- |
19 |
26 |
|||||
c) |
Others |
- |
- |
1 |
1 |
- |
294 |
59 |
74 |
|||||
IV. |
Operating expenses |
1278 |
1393 |
251 |
269 |
958 |
1010 |
92 |
229 |
|||||
a) |
Payments to and provisions for employees |
1179 |
1272 |
202 |
236 |
803 |
803 |
83 |
99 |
|||||
b) |
Rent, taxes and lighting |
17 |
18 |
5 |
6 |
16 |
18 |
3 |
3 |
|||||
c) |
Printing and stationery |
10 |
11 |
4 |
4 |
7 |
9 |
1 |
2 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
4 |
5 |
3 |
3 |
4 |
3 |
1 |
1 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
2 |
3 |
1 |
1 |
2 |
2 |
- |
- |
|||||
h) |
Law charges |
1 |
1 |
- |
- |
1 |
1 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
4 |
4 |
2 |
2 |
2 |
3 |
- |
- |
|||||
j) |
Repairs and maintenance |
3 |
2 |
- |
- |
2 |
2 |
- |
- |
|||||
k) |
Insurance |
15 |
20 |
23 |
3 |
19 |
68 |
1 |
1 |
|||||
l) |
Other expenditure |
44 |
56 |
11 |
14 |
102 |
101 |
1 |
122 |
|||||
V. |
Provisions and contingencies |
- |
238 |
45 |
373 |
6 |
1411 |
- |
- |
|||||
Total expenses |
4230 |
5446 |
740 |
1179 |
3156 |
5204 |
304 |
539 |
||||||
VI. |
Profit (loss) |
1038 |
1380 |
|
(125) |
(293) |
|
182 |
(557) |
|
(86) |
(164) |
||
Total (III+IV+V+VI) |
|
5267 |
6826 |
|
615 |
886 |
|
3338 |
4646 |
|
218 |
375 |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Hadoti Kshetriya |
Haryana Kshetriya |
Hazaribagh |
Himachal |
||||||||||
Gramin Bank |
Gramin Bank |
Kshetriya |
Gramin Bank |
|||||||||||
|
|
Gramin Bank |
|
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(137) |
(138) |
|
(139) |
(140) |
|
(141) |
(142) |
|
(143) |
(144) |
Income |
||||||||||||||
I. |
Interest earned |
512 |
831 |
869 |
17 |
286 |
449 |
1684 |
2311 |
|||||
a) |
Interest/discount on advances/bills |
262 |
374 |
153 |
(993) |
38 |
67 |
328 |
424 |
|||||
b) |
Income on investments |
45 |
130 |
171 |
404 |
147 |
128 |
771 |
1129 |
|||||
c) |
Interest on balances with RBI and other |
205 |
327 |
546 |
606 |
102 |
255 |
583 |
756 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
1 |
1 |
|||||
II. |
Other income |
47 |
32 |
63 |
63 |
12 |
23 |
69 |
79 |
|||||
a) |
Commission, exchange, brokerage, etc. |
13 |
18 |
27 |
33 |
2 |
3 |
30 |
64 |
|||||
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 |
35 |
15 |
|
35 |
30 |
|
10 |
20 |
|
40 |
15 |
||
|
Total (I+II) |
|
559 |
863 |
|
932 |
80 |
|
298 |
472 |
|
1753 |
2390 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
510 |
804 |
876 |
1230 |
171 |
251 |
1226 |
1668 |
|||||
a) |
Interest on deposits |
452 |
701 |
827 |
1141 |
162 |
237 |
1155 |
1575 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
58 |
103 |
49 |
89 |
9 |
14 |
1 |
1 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
70 |
93 |
|||||
IV. |
Operating expenses |
318 |
353 |
400 |
450 |
103 |
120 |
502 |
715 |
|||||
a) |
Payments to and provisions for employees |
271 |
302 |
363 |
403 |
88 |
104 |
402 |
607 |
|||||
b) |
Rent, taxes and lighting |
8 |
9 |
7 |
8 |
3 |
6 |
9 |
10 |
|||||
c) |
Printing and stationery |
4 |
5 |
3 |
2 |
1 |
1 |
5 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
3 |
3 |
2 |
4 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
- |
- |
1 |
1 |
|||||
h) |
Law charges |
- |
1 |
1 |
1 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
3 |
3 |
1 |
2 |
1 |
1 |
4 |
4 |
|||||
j) |
Repairs and maintenance |
- |
- |
- |
- |
1 |
1 |
1 |
1 |
|||||
k) |
Insurance |
5 |
5 |
7 |
8 |
- |
2 |
22 |
10 |
|||||
l) |
Other expenditure |
22 |
24 |
15 |
20 |
6 |
2 |
58 |
76 |
|||||
V. |
Provisions and contingencies |
- |
958 |
- |
- |
6 |
63 |
17 |
276 |
|||||
Total expenses |
827 |
2115 |
1276 |
1680 |
280 |
435 |
1745 |
2660 |
||||||
VI. |
Profit (loss) |
(268) |
(1252) |
|
(344) |
(1600) |
|
18 |
38 |
|
8 |
(270) |
||
Total (III+IV+V+VI) |
|
559 |
863 |
|
932 |
80 |
|
298 |
472 |
|
1753 |
2390 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |