Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 20 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 20 of 26)
REGIONAL RURAL BANKS |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Nadia |
Nagaland |
Nagarjuna |
Nainital Almora |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(241) |
(242) |
|
(243) |
(244) |
|
(245) |
(246) |
|
(247) |
(248) |
Income |
||||||||||||||
I. |
Interest earned |
534 |
941 |
37 |
79 |
1295 |
1204 |
394 |
700 |
|||||
a) |
Interest/discount on advances/bills |
134 |
232 |
4 |
7 |
542 |
514 |
233 |
322 |
|||||
b) |
Income on investments |
156 |
444 |
- |
- |
392 |
333 |
158 |
373 |
|||||
c) |
Interest on balances with RBI and other |
245 |
265 |
32 |
72 |
361 |
358 |
3 |
4 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
5 |
12 |
6 |
2 |
251 |
48 |
22 |
25 |
|||||
a) |
Commission, exchange, brokerage, etc. |
5 |
12 |
1 |
1 |
42 |
42 |
3 |
11 |
|||||
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 |
- |
- |
|
5 |
2 |
|
209 |
6 |
|
19 |
15 |
||
|
Total (I+II) |
|
539 |
953 |
|
43 |
81 |
|
1546 |
1253 |
|
416 |
725 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
450 |
651 |
25 |
92 |
861 |
1112 |
315 |
455 |
|||||
a) |
Interest on deposits |
373 |
551 |
12 |
46 |
738 |
938 |
264 |
383 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
77 |
101 |
13 |
1 |
121 |
170 |
49 |
71 |
|||||
c) |
Others |
- |
- |
- |
44 |
2 |
3 |
1 |
1 |
|||||
IV. |
Operating expenses |
294 |
315 |
28 |
33 |
724 |
860 |
204 |
225 |
|||||
a) |
Payments to and provisions for employees |
240 |
287 |
25 |
26 |
645 |
746 |
173 |
187 |
|||||
b) |
Rent, taxes and lighting |
5 |
6 |
1 |
1 |
18 |
20 |
10 |
14 |
|||||
c) |
Printing and stationery |
5 |
5 |
- |
- |
9 |
9 |
4 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
- |
- |
3 |
3 |
3 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
1 |
- |
- |
1 |
2 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
2 |
1 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
- |
- |
3 |
4 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
- |
- |
- |
- |
1 |
1 |
3 |
3 |
|||||
k) |
Insurance |
2 |
2 |
1 |
1 |
9 |
34 |
1 |
2 |
|||||
l) |
Other expenditure |
39 |
11 |
- |
4 |
33 |
41 |
7 |
9 |
|||||
V. |
Provisions and contingencies |
1256 |
398 |
28 |
- |
53 |
47 |
27 |
43 |
|||||
Total expenses |
2000 |
1364 |
81 |
124 |
1638 |
2019 |
546 |
723 |
||||||
VI. |
Profit (loss) |
(1461) |
(411) |
|
(38) |
(43) |
|
(92) |
(767) |
|
(129) |
2 |
||
Total (III+IV+V+VI) |
|
539 |
953 |
|
43 |
81 |
|
1546 |
1253 |
|
416 |
725 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Nalanda |
Netravati |
Nimar Kshetriya |
North Malabar |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(249) |
(250) |
|
(251) |
(252) |
|
(253) |
(254) |
|
(255) |
(256) |
Income |
||||||||||||||
I. |
Interest earned |
275 |
450 |
130 |
198 |
506 |
825 |
2284 |
3255 |
|||||
a) |
Interest/discount on advances/bills |
73 |
79 |
83 |
134 |
271 |
394 |
1795 |
2418 |
|||||
b) |
Income on investments |
- |
- |
4 |
9 |
116 |
125 |
489 |
837 |
|||||
c) |
Interest on balances with RBI and other |
202 |
372 |
44 |
56 |
119 |
306 |
- |
- |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
17 |
29 |
15 |
21 |
36 |
68 |
239 |
309 |
|||||
a) |
Commission, exchange, brokerage, etc. |
1 |
3 |
2 |
3 |
3 |
3 |
29 |
35 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
1 |
21 |
- |
- |
|||||
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 |
16 |
27 |
|
13 |
18 |
|
32 |
42 |
|
210 |
274 |
||
|
Total (I+II) |
|
293 |
480 |
|
145 |
219 |
|
542 |
892 |
|
2523 |
3564 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
373 |
546 |
97 |
140 |
447 |
612 |
1213 |
1616 |
|||||
a) |
Interest on deposits |
363 |
541 |
73 |
102 |
377 |
529 |
737 |
992 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
10 |
6 |
25 |
38 |
5 |
5 |
477 |
625 |
|||||
c) |
Others |
- |
- |
- |
- |
66 |
79 |
- |
- |
|||||
IV. |
Operating expenses |
337 |
326 |
92 |
103 |
291 |
305 |
1090 |
1155 |
|||||
a) |
Payments to and provisions for employees |
258 |
284 |
82 |
92 |
243 |
270 |
912 |
944 |
|||||
b) |
Rent, taxes and lighting |
5 |
5 |
3 |
3 |
8 |
10 |
25 |
29 |
|||||
c) |
Printing and stationery |
2 |
2 |
1 |
1 |
5 |
5 |
13 |
16 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
- |
1 |
3 |
3 |
5 |
7 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
1 |
1 |
2 |
2 |
|||||
h) |
Law charges |
- |
1 |
- |
- |
- |
- |
- |
1 |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
1 |
1 |
1 |
2 |
2 |
14 |
16 |
|||||
j) |
Repairs and maintenance |
- |
- |
- |
- |
2 |
1 |
1 |
1 |
|||||
k) |
Insurance |
1 |
1 |
1 |
1 |
- |
- |
7 |
8 |
|||||
l) |
Other expenditure |
67 |
29 |
3 |
4 |
27 |
13 |
111 |
131 |
|||||
V. |
Provisions and contingencies |
99 |
246 |
- |
- |
(59) |
194 |
- |
- |
|||||
Total expenses |
809 |
1118 |
189 |
243 |
679 |
1112 |
2304 |
2771 |
||||||
VI. |
Profit (loss) |
(517) |
(639) |
|
(44) |
(24) |
|
(137) |
(219) |
|
219 |
793 |
||
Total (III+IV+V+VI) |
|
293 |
480 |
|
145 |
219 |
|
542 |
892 |
|
2523 |
3564 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Palamau Kshetriya |
Panchmahal |
Pandyan |
Parvatiya |
|||||||||||
Gramin Bank |
Gramin Bank |
Grama Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(257) |
(258) |
|
(259) |
(260) |
|
(261) |
(262) |
|
(263) |
(264) |
Income |
||||||||||||||
I. |
Interest earned |
474 |
717 |
483 |
480 |
1601 |
2315 |
282 |
||||||
a) |
Interest/discount on advances/bills |
93 |
128 |
316 |
176 |
1103 |
1639 |
59 |
||||||
b) |
Income on investments |
162 |
193 |
60 |
130 |
498 |
673 |
140 |
||||||
c) |
Interest on balances with RBI and other |
219 |
396 |
100 |
161 |
- |
- |
83 |
||||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
7 |
13 |
- |
3 |
- |
||||||
N |
||||||||||||||
II. |
Other income |
10 |
17 |
27 |
77 |
133 |
142 |
22 |
||||||
a) |
Commission, exchange, brokerage, etc. |
9 |
15 |
8 |
12 |
114 |
128 |
1 |
||||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
- |
- |
- |
O |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
||||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
- |
- |
1 |
- |
- |
||||||
& other assets |
T |
|||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
||||||
f) |
Miscellaneous income |
2 |
2 |
|
19 |
66 |
|
17 |
14 |
|
21 |
|
||
|
Total (I+II) |
|
484 |
734 |
|
510 |
557 |
|
1734 |
2457 |
|
304 |
|
|
Expenditure & Provisions |
A |
|||||||||||||
III. |
Interest expended |
430 |
666 |
397 |
508 |
1175 |
1687 |
224 |
||||||
a) |
Interest on deposits |
418 |
654 |
277 |
384 |
910 |
1298 |
196 |
V |
|||||
b) |
Interest on RBI/inter-bank borrowings |
11 |
12 |
121 |
124 |
80 |
205 |
28 |
||||||
c) |
Others |
- |
- |
- |
- |
186 |
184 |
- |
||||||
A |
||||||||||||||
IV. |
Operating expenses |
344 |
399 |
267 |
237 |
888 |
1178 |
101 |
||||||
a) |
Payments to and provisions for employees |
287 |
321 |
190 |
199 |
736 |
1028 |
86 |
||||||
b) |
Rent, taxes and lighting |
9 |
10 |
7 |
7 |
23 |
26 |
3 |
I |
|||||
c) |
Printing and stationery |
5 |
11 |
4 |
4 |
16 |
20 |
2 |
||||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
1 |
1 |
- |
||||||
e) |
Depreciation on Bank's property |
2 |
3 |
3 |
2 |
7 |
9 |
2 |
L |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
||||||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
2 |
2 |
- |
||||||
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
- |
A |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
2 |
2 |
10 |
12 |
1 |
||||||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
1 |
2 |
- |
||||||
k) |
Insurance |
22 |
32 |
- |
- |
39 |
26 |
1 |
B |
|||||
l) |
Other expenditure |
16 |
18 |
58 |
19 |
52 |
51 |
5 |
||||||
V. |
Provisions and contingencies |
106 |
357 |
- |
- |
232 |
141 |
- |
L |
|||||
Total expenses |
880 |
1421 |
664 |
745 |
2296 |
3006 |
324 |
|||||||
E |
||||||||||||||
VI. |
Profit (loss) |
(396) |
(687) |
|
(155) |
(188) |
|
(561) |
(548) |
|
(20) |
|
||
Total (III+IV+V+VI) |
|
484 |
734 |
|
510 |
557 |
|
1734 |
2457 |
|
304 |
|
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |