Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 1 of 13)

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Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 1 of 13)

								(Amount in Rs. lakh)
			For the year ended 31st March
			Adhiyaman		Akola Gramin		Alaknanda		Aligarh
Items			Gramin Bank		Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
Income


I.	Interest Earned		418	481	270	299	430	610	2312	3181

	a)	Interest/discount on advances/bills	291	346	155	166	71	104	936	1183

	b)	Income on Investments	9	15	-	-	131	104	821	1233

	c)	Interest on balances with	119	120	115	134	228	402	555	765
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		26	39	16	18	17	47	135	99

	a)	Commission, exchange and brokerage	3	5	11	11	9	5	18	62

	b)	Other miscellaneous income	22	34	5	6	7	41	117	37
Total (I+II)			443	520	286	317	447	656	2447	3280
Expenditure & Provisions

III.	Interest expended		259	242	219	260	319	404	1469	1865

	a)	Interest on deposits	155	189	171	201	301	384	1192	1549

	b)	Interest on RBI/inter-bank borrowings	104	53	-	-	18	21	277	316

	c)	Others	-	-	48	59	-	-	-	-

IV.	Operating expenses		115	130	175	210	216	174	527	558

	a)	Payments to and provisions for employees	96	105	152	184	182	136	432	500

	b)	Rent, taxes and lighting	3	4	6	7	4	5	13	14

	c)	Printing and stationery	2	3	3	2	2	2	5	8

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	2	2	1	2	1	1	4	4

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	-	1	-	-	-	1	1

	h)	Law charges	-	-	-	-	-	-	-	1

	i)	Postage, telegrams, telephones, etc.	2	3	1	2	1	1	3	3

	j)	Repairs and maintenance	2	2	-	-	-	-	2	2

	k)	Insurance	1	1	4	2	11	13	6	1

	l)	Other expenditure	6	10	8	11	15	16	62	22

V.	Provisions and contingencies		92	14	38	10	20	-	264	120

	Total expenses*		374	372	395	470	536	578	1996	2423

VI.	Profit		-22	134	-146	-163	-109	78	187	736
Total (III+IV+V+VI)			443	520	286	317	447	656	2447	3280

								(Amount in Rs. lakh)
			For the year ended 31st March
			Allahabad		Alwar		Ambala		Aravali
			Kshetriya		Bharatpur		Kurukshetra		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)
Income


I.	Interest Earned		1049	1378	768	1112	661	906	429	592

	a)	Interest/discount on advances/bills	298	303	224	504	323	474	236	376

	b)	Income on Investments	306	525	267	288	159	202	40	45

	c)	Interest on balances with	445	550	278	320	174	229	154	170
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	5	1	-	-

II.	Other income		68	48	22	28	17	25	38	34

	a)	Commission, exchange and brokerage	47	33	5	7	4	3	11	11

	b)	Other miscellaneous income	21	15	17	21	14	21	27	22
Total (I+II)			1117	1426	790	1140	679	931	467	626
Expenditure & Provisions

III.	Interest expended		1010	1235	674	761	457	605	499	600

	a)	Interest on deposits	948	1180	643	713	395	494	453	537

	b)	Interest on RBI/inter-bank borrowings	62	55	31	48	62	111	46	63

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		585	659	352	405	165	191	263	302

	a)	Payments to and provisions for employees	529	411	318	368	140	158	222	257

	b)	Rent, taxes and lighting	13	12	8	10	5	6	8	8

	c)	Printing and stationery	6	6	4	4	2	2	4	5

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	4	4	2	2	3	3	4	4

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	1	1	1	1	1	1	1

	h)	Law charges	-	-	-	-	-	1	2	1

	i)	Postage, telegrams, telephones, etc.	1	2	1	2	1	2	2	3

	j)	Repairs and maintenance	-	-	-	1	1	1	2	1

	k)	Insurance	8	17	5	5	3	3	3	7

	l)	Other expenditure	23	206	12	12	10	16	16	15

V.	Provisions and contingencies		540	302	539	-	69	49	147	-41

	Total expenses*		1594	1894	1026	1166	622	796	762	901

VI.	Profit		-1017	-770	-774	-26	-12	86	-442	-234
Total (III+IV+V+VI)			1117	1426	790	1140	679	931	467	626

								(Amount in Rs. lakh)
			For the year ended 31st March
			Arunachal		Aurangabad
			Pradesh		Jalana		Avadh		Baitarani
Items			Rural Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)
Income


I.	Interest Earned		177	225	903	1025	2694	3135	761	885

	a)	Interest/discount on advances/bills	67	157	336	406	364	512	296	393

	b)	Income on Investments	37	68	466	607	2299	2596	246	234

	c)	Interest on balances with	73	-	23	12	30	26	219	257
		RBI and other inter-bank funds

	d)	Others	-	-	78	-	-	-	-	-

II.	Other income		9	15	99	74	8	63	10	12

	a)	Commission, exchange and brokerage	5	8	54	69	6	12	8	5

	b)	Other miscellaneous income	4	7	45	5	2	51	2	8
Total (I+II)			187	240	1002	1099	2702	3198	771	897
Expenditure & Provisions

III.	Interest expended		97	129	485	500	1530	1829	670	816

	a)	Interest on deposits	85	99	281	351	1407	1707	546	707

	b)	Interest on RBI/inter-bank borrowings	12	30	205	149	122	122	24	110

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		80	83	310	335	750	717	430	492

	a)	Payments to and provisions for employees	68	72	232	263	637	655	391	456

	b)	Rent, taxes and lighting	3	3	8	9	11	13	9	10

	c)	Printing and stationery	3	3	10	5	10	12	6	6

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	1	1	4	6	6	8	3	-

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	-	1	1	1	1	-	1

	h)	Law charges	-	-	-	1	1	-	-	-

	i)	Postage, telegrams, telephones, etc.	-	-	2	3	2	1	2	1

	j)	Repairs and maintenance	-	-	2	2	2	2	-	1

	k)	Insurance	3	2	3	9	72	14	-	6

	l)	Other expenditure	1	2	48	37	9	10	19	11

V.	Provisions and contingencies		45	20	471	159	602	138	363	21

	Total expenses*		177	212	795	835	2280	2545	1099	1308

VI.	Profit		-36	8	-265	105	-181	514	-691	-432
Total (III+IV+V+VI)			187	240	1002	1099	2702	3198	771	897

								(Amount in Rs. lakh)
			For the year ended 31st March
							Banaskantha
			Balasore		Balia Kshetriya		Mehsana		Bara Banki
Items			Gramya Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)
Income


I.	Interest Earned		224	235	1341	1786	603	851	1946	2132

	a)	Interest/discount on advances/bills	189	188	341	418	257	337	271	321

	b)	Income on Investments	-	-	-	374	333	212	1193	1235

	c)	Interest on balances with	35	46	1000	-	9	295	464	530
		RBI and other inter-bank funds

	d)	Others	-	-	-	993	4	6	18	46

II.	Other income		30	28	41	104	25	39	23	29

	a)	Commission, exchange and brokerage	4	3	21	30	5	6	10	18

	b)	Other miscellaneous income	26	26	20	73	20	33	12	11
Total (I+II)			254	263	1383	1889	628	890	1969	2161
Expenditure & Provisions

III.	Interest expended		467	568	1091	1272	590	726	1100	1240

	a)	Interest on deposits	389	480	1010	228	484	621	1010	1149

	b)	Interest on RBI/inter-bank borrowings	7	9	2	961	106	105	90	91

	c)	Others	72	80	80	84	-	-	-	-

IV.	Operating expenses		335	383	372	446	505	356	466	499

	a)	Payments to and provisions for employees	291	352	341	411	281	314	420	454

	b)	Rent, taxes and lighting	8	9	6	7	6	7	9	9

	c)	Printing and stationery	2	1	5	5	3	4	6	6

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	2	2	2	2	2	2	3	3

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	1	1	1	1	1	1	1

	h)	Law charges	-	-	-	-	-	-	-	-

	i)	Postage, telegrams, telephones, etc.	1	1	1	1	1	2	2	2

	j)	Repairs and maintenance	1	1	-	-	1	1	1	1

	k)	Insurance	15	3	6	-	-	-	1	1

	l)	Other expenditure	13	12	10	19	210	25	24	22

V.	Provisions and contingencies		416	105	2177	-	-	-	251	47

	Total expenses*		802	951	1464	1718	1095	1082	1566	1739

VI.	Profit		-965	-794	-2258	171	-467	-192	152	375
Total (III+IV+V+VI)			254	263	1383	1889	628	890	1969	2161