Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 22 of 26) - आरबीआई - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 22 of 26)
REGIONAL RURAL BANKS |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Rashikulya |
Ratlam Mandsaur |
Ratnagiri Sindhudurg |
Rayalaseema |
|||||||||||
Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(289) |
(290) |
|
(291) |
(292) |
|
(293) |
(294) |
|
(295) |
(296) |
Income |
||||||||||||||
I. |
Interest earned |
616 |
990 |
325 |
541 |
251 |
251 |
2512 |
3596 |
|||||
a) |
Interest/discount on advances/bills |
246 |
327 |
130 |
212 |
99 |
99 |
1741 |
2525 |
|||||
b) |
Income on investments |
363 |
663 |
- |
- |
74 |
74 |
96 |
263 |
|||||
c) |
Interest on balances with RBI and other |
6 |
- |
195 |
329 |
78 |
78 |
675 |
808 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
24 |
82 |
24 |
52 |
16 |
16 |
218 |
463 |
|||||
a) |
Commission, exchange, brokerage, etc. |
6 |
7 |
15 |
18 |
2 |
2 |
41 |
68 |
|||||
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 |
18 |
75 |
|
9 |
34 |
|
14 |
14 |
|
177 |
395 |
||
|
Total (I+II) |
|
640 |
1072 |
|
349 |
593 |
|
267 |
267 |
|
2730 |
4059 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
541 |
738 |
260 |
396 |
213 |
213 |
1803 |
2156 |
|||||
a) |
Interest on deposits |
423 |
618 |
225 |
356 |
185 |
185 |
1282 |
1593 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
28 |
119 |
35 |
40 |
28 |
- |
505 |
547 |
|||||
c) |
Others |
90 |
- |
- |
- |
- |
28 |
17 |
17 |
|||||
IV. |
Operating expenses |
328 |
429 |
154 |
193 |
141 |
141 |
1003 |
1038 |
|||||
a) |
Payments to and provisions for employees |
247 |
290 |
129 |
166 |
120 |
120 |
883 |
903 |
|||||
b) |
Rent, taxes and lighting |
7 |
8 |
6 |
8 |
4 |
4 |
21 |
23 |
|||||
c) |
Printing and stationery |
4 |
5 |
2 |
3 |
3 |
3 |
13 |
14 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
2 |
2 |
1 |
1 |
6 |
6 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
1 |
1 |
2 |
2 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
1 |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
3 |
2 |
2 |
1 |
1 |
11 |
12 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
1 |
1 |
- |
- |
|||||
k) |
Insurance |
41 |
36 |
3 |
3 |
2 |
2 |
3 |
2 |
|||||
l) |
Other expenditure |
24 |
84 |
11 |
10 |
7 |
7 |
65 |
75 |
|||||
V. |
Provisions and contingencies |
116 |
257 |
- |
- |
15 |
16 |
- |
1170 |
|||||
Total expenses |
986 |
1423 |
414 |
589 |
368 |
370 |
2806 |
4364 |
||||||
VI. |
Profit (loss) |
(346) |
(351) |
|
(65) |
4 |
|
(101) |
(102) |
|
(76) |
(305) |
||
Total (III+IV+V+VI) |
|
640 |
1072 |
|
349 |
593 |
|
267 |
267 |
|
2730 |
4059 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Rewa Sidhi |
Sabarkantha-Gandhinagar |
Sagar |
Sahyadri |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(297) |
(298) |
|
(299) |
(300) |
|
(301) |
(302) |
|
(303) |
(304) |
Income |
||||||||||||||
I. |
Interest earned |
1172 |
1794 |
288 |
532 |
1324 |
1938 |
287 |
436 |
|||||
a) |
Interest/discount on advances/bills |
307 |
503 |
131 |
192 |
171 |
398 |
218 |
261 |
|||||
b) |
Income on investments |
298 |
489 |
44 |
123 |
445 |
703 |
69 |
24 |
|||||
c) |
Interest on balances with RBI and other |
567 |
802 |
113 |
217 |
708 |
838 |
- |
151 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
36 |
34 |
26 |
25 |
32 |
104 |
80 |
52 |
|||||
a) |
Commission, exchange, brokerage, etc. |
4 |
6 |
9 |
19 |
29 |
85 |
6 |
7 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
1 |
- |
- |
- |
|||||
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 |
32 |
29 |
|
17 |
5 |
|
3 |
19 |
|
74 |
44 |
||
|
Total (I+II) |
|
1208 |
1828 |
|
315 |
557 |
|
1357 |
2042 |
|
367 |
488 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
767 |
1129 |
215 |
333 |
1051 |
1392 |
236 |
304 |
|||||
a) |
Interest on deposits |
691 |
1046 |
172 |
275 |
942 |
1292 |
150 |
203 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
76 |
84 |
4 |
4 |
36 |
28 |
87 |
101 |
|||||
c) |
Others |
- |
- |
39 |
53 |
74 |
72 |
- |
- |
|||||
IV. |
Operating expenses |
474 |
496 |
97 |
120 |
614 |
827 |
124 |
139 |
|||||
a) |
Payments to and provisions for employees |
382 |
385 |
86 |
107 |
548 |
664 |
97 |
119 |
|||||
b) |
Rent, taxes and lighting |
10 |
11 |
3 |
4 |
22 |
25 |
5 |
5 |
|||||
c) |
Printing and stationery |
7 |
10 |
2 |
2 |
7 |
8 |
2 |
1 |
|||||
d) |
Advertisement and publicity |
- |
1 |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
3 |
4 |
2 |
2 |
4 |
5 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
1 |
1 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
3 |
4 |
1 |
1 |
1 |
1 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
2 |
2 |
2 |
2 |
|||||
k) |
Insurance |
39 |
51 |
2 |
2 |
14 |
9 |
- |
- |
|||||
l) |
Other expenditure |
29 |
29 |
2 |
2 |
13 |
112 |
13 |
7 |
|||||
V. |
Provisions and contingencies |
599 |
354 |
318 |
76 |
1352 |
1500 |
- |
- |
|||||
Total expenses |
1840 |
1979 |
630 |
529 |
3017 |
3718 |
360 |
443 |
||||||
VI. |
Profit (loss) |
(632) |
(151) |
|
(316) |
28 |
|
(1660) |
(1676) |
|
6 |
45 |
||
Total (III+IV+V+VI) |
|
1208 |
1828 |
|
315 |
557 |
|
1357 |
2042 |
|
367 |
488 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Samastipur Kshetriya |
Samyukt Kshetriya |
Sangameshwar |
Santhal Parganas |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(305) |
(306) |
|
(307) |
(308) |
|
(309) |
(310) |
|
(311) |
(312) |
Income |
||||||||||||||
I. |
Interest earned |
211 |
624 |
3345 |
4092 |
682 |
965 |
1298 |
1395 |
|||||
a) |
Interest/discount on advances/bills |
211 |
126 |
275 |
(190) |
455 |
501 |
230 |
94 |
|||||
b) |
Income on investments |
- |
57 |
855 |
1074 |
- |
- |
480 |
544 |
|||||
c) |
Interest on balances with RBI and other |
- |
417 |
2215 |
3208 |
- |
- |
588 |
756 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
24 |
- |
- |
227 |
464 |
- |
- |
|||||
II. |
Other income |
24 |
26 |
84 |
74 |
29 |
141 |
35 |
35 |
|||||
a) |
Commission, exchange, brokerage, etc. |
9 |
13 |
52 |
41 |
8 |
20 |
15 |
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 |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
15 |
13 |
|
31 |
32 |
|
20 |
120 |
|
20 |
23 |
||
|
Total (I+II) |
|
235 |
650 |
|
3429 |
4165 |
|
711 |
1105 |
|
1333 |
1430 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
372 |
600 |
2134 |
2781 |
516 |
644 |
760 |
972 |
|||||
a) |
Interest on deposits |
348 |
555 |
2011 |
2672 |
352 |
480 |
672 |
893 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
24 |
45 |
13 |
12 |
- |
- |
88 |
78 |
|||||
c) |
Others |
- |
- |
110 |
97 |
165 |
164 |
- |
- |
|||||
IV. |
Operating expenses |
337 |
348 |
1083 |
1129 |
1496 |
303 |
449 |
560 |
|||||
a) |
Payments to and provisions for employees |
285 |
298 |
881 |
914 |
319 |
263 |
406 |
521 |
|||||
b) |
Rent, taxes and lighting |
8 |
8 |
15 |
15 |
6 |
7 |
7 |
7 |
|||||
c) |
Printing and stationery |
4 |
7 |
10 |
11 |
7 |
5 |
4 |
3 |
|||||
d) |
Advertisement and publicity |
- |
1 |
1 |
1 |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
5 |
5 |
2 |
2 |
1 |
1 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
2 |
2 |
1 |
1 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
- |
4 |
5 |
3 |
3 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
1 |
2 |
3 |
1 |
- |
- |
- |
- |
|||||
k) |
Insurance |
17 |
9 |
119 |
128 |
1 |
1 |
9 |
4 |
|||||
l) |
Other expenditure |
19 |
20 |
42 |
46 |
1157 |
21 |
19 |
21 |
|||||
V. |
Provisions and contingencies |
- |
- |
- |
- |
- |
- |
92 |
1234 |
|||||
Total expenses |
709 |
947 |
3217 |
3910 |
2012 |
948 |
1301 |
2765 |
||||||
VI. |
Profit (loss) |
(474) |
(298) |
|
212 |
255 |
|
(1301) |
158 |
|
32 |
(1335) |
||
Total (III+IV+V+VI) |
|
235 |
650 |
|
3429 |
4165 |
|
711 |
1105 |
|
1333 |
1430 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |