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

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

								(Amount in Rs. lakh)
			For the year ended 31st March
			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

VI.	Profit		138	225	-67	166	149	100	-155	1
Total (III+IV+V+VI)			515	599	581	746	682	775	252	433

								(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