Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 13 of 13) - आरबीआई - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 13 of 13)
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Vallalar |
Vidisha Bhopal |
|||||||||
Kshetriya |
Valsad-Dangs |
Varada |
Kshetriya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(377) |
(378) |
(379) |
(380) |
(381) |
(382) |
(383) |
(384) |
Income |
||||||||||
I. |
Interest Earned |
479 |
577 |
553 |
712 |
635 |
737 |
240 |
415 |
|
a) |
Interest/discount on advances/bills |
283 |
350 |
199 |
240 |
416 |
525 |
136 |
228 |
|
b) |
Income on Investments |
12 |
14 |
110 |
242 |
205 |
199 |
30 |
45 |
|
c) |
Interest on balances with |
185 |
213 |
244 |
230 |
14 |
13 |
74 |
142 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
36 |
22 |
29 |
34 |
47 |
37 |
12 |
18 |
|
a) |
Commission, exchange and brokerage |
5 |
7 |
9 |
22 |
4 |
4 |
10 |
15 |
|
b) |
Other miscellaneous income |
31 |
15 |
19 |
12 |
43 |
34 |
1 |
2 |
|
Total (I+II) |
515 |
599 |
581 |
746 |
682 |
775 |
252 |
433 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
246 |
235 |
340 |
392 |
391 |
519 |
201 |
307 |
|
a) |
Interest on deposits |
138 |
169 |
264 |
324 |
251 |
314 |
189 |
278 |
|
b) |
Interest on RBI/inter-bank borrowings |
61 |
17 |
76 |
68 |
17 |
205 |
12 |
- |
|
c) |
Others |
47 |
50 |
- |
- |
123 |
- |
- |
29 |
|
IV. |
Operating expenses |
92 |
105 |
147 |
168 |
142 |
156 |
96 |
120 |
|
a) |
Payments to and provisions for employees |
79 |
89 |
122 |
138 |
126 |
131 |
60 |
68 |
|
b) |
Rent, taxes and lighting |
3 |
3 |
5 |
7 |
3 |
5 |
6 |
6 |
|
c) |
Printing and stationery |
2 |
2 |
2 |
3 |
3 |
2 |
5 |
4 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
2 |
2 |
4 |
3 |
5 |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
1 |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
- |
- |
1 |
- |
- |
- |
- |
|
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
1 |
2 |
2 |
2 |
2 |
2 |
|
j) |
Repairs and maintenance |
- |
1 |
- |
- |
- |
- |
- |
- |
|
k) |
Insurance |
2 |
3 |
- |
1 |
- |
- |
9 |
24 |
|
l) |
Other expenditure |
2 |
3 |
13 |
12 |
6 |
10 |
12 |
13 |
|
V. |
Provisions and contingencies |
39 |
33 |
161 |
20 |
- |
- |
110 |
5 |
|
Total expenses* |
338 |
340 |
487 |
560 |
533 |
675 |
297 |
427 |
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VI. |
Profit |
138 |
225 |
-67 |
166 |
149 |
100 |
-155 |
1 |
|
Total (III+IV+V+VI) |
515 |
599 |
581 |
746 |
682 |
775 |
252 |
433 |
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|
|
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(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Vidur |
Vindhyavasini |
Visweshwaraya |
Yavatmal |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(385) |
(386) |
(387) |
(388) |
(389) |
(390) |
(391) |
(392) |
Income |
||||||||||
I. |
Interest Earned |
433 |
618 |
617 |
766 |
219 |
303 |
317 |
390 |
|
a) |
Interest/discount on advances/bills |
117 |
190 |
153 |
202 |
125 |
196 |
158 |
162 |
|
b) |
Income on Investments |
121 |
135 |
223 |
263 |
- |
26 |
32 |
68 |
|
c) |
Interest on balances with |
194 |
293 |
241 |
300 |
94 |
81 |
127 |
160 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
1 |
1 |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
34 |
18 |
9 |
64 |
22 |
32 |
35 |
41 |
|
a) |
Commission, exchange and brokerage |
28 |
10 |
9 |
64 |
4 |
6 |
26 |
22 |
|
b) |
Other miscellaneous income |
7 |
8 |
- |
- |
18 |
26 |
9 |
19 |
|
Total (I+II) |
467 |
637 |
626 |
830 |
241 |
335 |
352 |
431 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
286 |
337 |
427 |
528 |
142 |
186 |
184 |
211 |
|
a) |
Interest on deposits |
229 |
286 |
380 |
459 |
117 |
154 |
145 |
166 |
|
b) |
Interest on RBI/inter-bank borrowings |
55 |
48 |
47 |
68 |
5 |
8 |
- |
- |
|
c) |
Others |
2 |
3 |
- |
- |
20 |
25 |
39 |
46 |
|
IV. |
Operating expenses |
209 |
211 |
198 |
225 |
108 |
128 |
106 |
108 |
|
a) |
Payments to and provisions for employees |
188 |
190 |
176 |
195 |
90 |
111 |
86 |
91 |
|
b) |
Rent, taxes and lighting |
3 |
4 |
5 |
5 |
4 |
5 |
3 |
3 |
|
c) |
Printing and stationery |
2 |
4 |
4 |
3 |
2 |
3 |
2 |
1 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
2 |
3 |
3 |
- |
2 |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
2 |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
- |
- |
1 |
- |
1 |
- |
- |
|
h) |
Law charges |
- |
1 |
- |
5 |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
1 |
1 |
- |
1 |
1 |
1 |
|
j) |
Repairs and maintenance |
1 |
1 |
- |
1 |
- |
- |
- |
- |
|
k) |
Insurance |
- |
- |
2 |
3 |
- |
- |
1 |
1 |
|
l) |
Other expenditure |
10 |
8 |
6 |
9 |
9 |
5 |
11 |
8 |
|
V. |
Provisions and contingencies |
- |
- |
651 |
- |
7 |
- |
54 |
13 |
|
Total expenses* |
494 |
548 |
625 |
753 |
249 |
314 |
290 |
319 |
||
VI. |
Profit |
-27 |
88 |
-650 |
77 |
-16 |
20 |
8 |
99 |
|
Total (III+IV+V+VI) |
467 |
637 |
626 |
830 |
241 |
335 |
352 |
431 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |