Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 9 of 13) - आरबीआई - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 9 of 13)
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Palamau |
Panchmahal |
Pandyan |
Parvatiya |
||||||||
Kshetriya |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
Gramin Bank |
|
|
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(257) |
(258) |
(259) |
(260) |
(261) |
(262) |
(263) |
(264) |
||
Income |
||||||||||||
I. |
Interest Earned |
717 |
975 |
480 |
998 |
2315 |
2980 |
508 |
||||
a) |
Interest/discount on advances/bills |
128 |
227 |
176 |
402 |
1639 |
2123 |
112 |
||||
b) |
Income on Investments |
193 |
140 |
130 |
323 |
673 |
836 |
156 |
||||
c) |
Interest on balances with |
396 |
608 |
161 |
262 |
- |
1 |
240 |
||||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
13 |
11 |
3 |
20 |
- |
||||
II. |
Other income |
17 |
17 |
77 |
29 |
142 |
210 |
N |
14 |
|||
a) |
Commission, exchange and brokerage |
15 |
12 |
12 |
12 |
128 |
157 |
O |
5 |
|||
b) |
Other miscellaneous income |
2 |
5 |
65 |
17 |
14 |
53 |
T |
9 |
|||
Total (I+II) |
734 |
992 |
557 |
1027 |
2457 |
3190 |
|
522 |
||||
Expenditure & Provisions |
A |
|||||||||||
III. |
Interest expended |
666 |
811 |
508 |
570 |
1687 |
1967 |
V |
365 |
|||
a) |
Interest on deposits |
654 |
791 |
384 |
453 |
1298 |
1641 |
A |
331 |
|||
b) |
Interest on RBI/inter-bank borrowings |
12 |
20 |
124 |
117 |
205 |
325 |
I |
34 |
|||
c) |
Others |
- |
- |
- |
- |
184 |
- |
L |
- |
|||
IV. |
Operating expenses |
399 |
431 |
237 |
262 |
1178 |
995 |
A |
111 |
|||
a) |
Payments to and provisions for employees |
321 |
380 |
199 |
230 |
1028 |
857 |
B |
94 |
|||
b) |
Rent, taxes and lighting |
10 |
10 |
7 |
8 |
26 |
30 |
L |
4 |
|||
c) |
Printing and stationery |
11 |
6 |
4 |
4 |
20 |
17 |
E |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
1 |
- |
- |
||||
e) |
Depreciation on Bank's property |
3 |
3 |
2 |
3 |
9 |
10 |
1 |
||||
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 |
2 |
2 |
2 |
12 |
18 |
1 |
||||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
2 |
2 |
- |
||||
k) |
Insurance |
32 |
7 |
- |
1 |
26 |
13 |
2 |
||||
l) |
Other expenditure |
18 |
20 |
19 |
12 |
51 |
46 |
6 |
||||
V. |
Provisions and contingencies |
357 |
81 |
- |
35 |
141 |
13 |
- |
||||
Total expenses* |
1065 |
1243 |
745 |
833 |
2865 |
2961 |
476 |
|||||
VI. |
Profit |
-687 |
-332 |
-188 |
159 |
-548 |
216 |
|
47 |
|||
Total (III+IV+V+VI) |
734 |
992 |
557 |
1027 |
2457 |
3190 |
|
522 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Patliputra |
Pinakini |
Pithoragarh |
Pragiyotish |
||||||||
Gramin Bank |
Gramin Bank |
Kshetriya |
Gaonlia Bank |
|||||||||
|
|
Gramin Bank |
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(265) |
(266) |
(267) |
(268) |
(269) |
(270) |
(271) |
(272) |
||
Income |
||||||||||||
I. |
Interest Earned |
121 |
236 |
1220 |
1641 |
486 |
646 |
2058 |
2822 |
|||
a) |
Interest/discount on advances/bills |
27 |
44 |
763 |
1092 |
147 |
172 |
586 |
718 |
|||
b) |
Income on Investments |
51 |
127 |
- |
5 |
125 |
184 |
1472 |
2103 |
|||
c) |
Interest on balances with |
43 |
65 |
456 |
545 |
214 |
291 |
- |
- |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
1 |
2 |
64 |
186 |
20 |
9 |
78 |
584 |
|||
a) |
Commission, exchange and brokerage |
1 |
1 |
24 |
33 |
18 |
7 |
42 |
47 |
|||
b) |
Other miscellaneous income |
1 |
1 |
40 |
154 |
2 |
2 |
36 |
537 |
|||
Total (I+II) |
123 |
238 |
1283 |
1828 |
507 |
655 |
2136 |
3405 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
133 |
158 |
832 |
1024 |
362 |
434 |
1549 |
1952 |
|||
a) |
Interest on deposits |
130 |
154 |
663 |
821 |
329 |
398 |
1303 |
1627 |
|||
b) |
Interest on RBI/inter-bank borrowings |
4 |
5 |
169 |
203 |
33 |
36 |
246 |
325 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
66 |
66 |
572 |
574 |
94 |
107 |
1085 |
1135 |
|||
a) |
Payments to and provisions for employees |
54 |
52 |
494 |
491 |
78 |
87 |
936 |
971 |
|||
b) |
Rent, taxes and lighting |
3 |
3 |
13 |
13 |
5 |
5 |
25 |
28 |
|||
c) |
Printing and stationery |
1 |
1 |
7 |
8 |
2 |
2 |
17 |
15 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
1 |
|||
e) |
Depreciation on Bank's property |
2 |
3 |
4 |
5 |
1 |
1 |
7 |
8 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
- |
2 |
1 |
- |
- |
3 |
2 |
|||
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
- |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
4 |
5 |
1 |
1 |
4 |
5 |
|||
j) |
Repairs and maintenance |
1 |
1 |
- |
2 |
- |
- |
2 |
2 |
|||
k) |
Insurance |
1 |
2 |
- |
1 |
2 |
2 |
6 |
2 |
|||
l) |
Other expenditure |
4 |
4 |
47 |
45 |
6 |
8 |
84 |
99 |
|||
V. |
Provisions and contingencies |
- |
- |
734 |
- |
- |
- |
1872 |
- |
|||
Total expenses* |
200 |
224 |
1404 |
1598 |
456 |
541 |
2634 |
3087 |
||||
VI. |
Profit |
-77 |
13 |
-855 |
230 |
50 |
114 |
-2370 |
318 |
|||
Total (III+IV+V+VI) |
123 |
238 |
1283 |
1828 |
507 |
655 |
2136 |
3405 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Pratapgarh |
Prathama |
Puri |
Rae Bareli |
||||||||
Kshetriya |
Bank |
Gramya Bank |
Kshetriya |
|||||||||
Gramin Bank |
|
|
Gaonlia Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(273) |
(274) |
(275) |
(276) |
(277) |
(278) |
(279) |
(280) |
||
Income |
||||||||||||
I. |
Interest Earned |
1095 |
1327 |
4381 |
4982 |
886 |
1185 |
1264 |
1506 |
|||
a) |
Interest/discount on advances/bills |
279 |
283 |
2268 |
2450 |
405 |
644 |
225 |
322 |
|||
b) |
Income on Investments |
803 |
980 |
2058 |
2532 |
481 |
541 |
259 |
706 |
|||
c) |
Interest on balances with |
13 |
65 |
55 |
- |
- |
1 |
780 |
478 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
52 |
18 |
282 |
230 |
42 |
86 |
51 |
32 |
|||
a) |
Commission, exchange and brokerage |
42 |
7 |
29 |
51 |
24 |
24 |
6 |
15 |
|||
b) |
Other miscellaneous income |
10 |
10 |
252 |
179 |
18 |
62 |
46 |
17 |
|||
Total (I+II) |
1147 |
1345 |
4663 |
5211 |
928 |
1271 |
1316 |
1538 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
791 |
1027 |
2221 |
2411 |
916 |
1140 |
867 |
1028 |
|||
a) |
Interest on deposits |
744 |
977 |
1639 |
1803 |
731 |
942 |
816 |
975 |
|||
b) |
Interest on RBI/inter-bank borrowings |
48 |
50 |
582 |
607 |
186 |
198 |
51 |
52 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
360 |
395 |
1361 |
1435 |
607 |
706 |
469 |
411 |
|||
a) |
Payments to and provisions for employees |
323 |
356 |
1163 |
1274 |
530 |
637 |
339 |
365 |
|||
b) |
Rent, taxes and lighting |
7 |
7 |
30 |
33 |
15 |
16 |
6 |
7 |
|||
c) |
Printing and stationery |
4 |
3 |
19 |
18 |
8 |
9 |
5 |
8 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
3 |
3 |
6 |
6 |
2 |
2 |
3 |
4 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
3 |
3 |
2 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
1 |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
12 |
15 |
2 |
3 |
2 |
3 |
|||
j) |
Repairs and maintenance |
- |
- |
3 |
2 |
1 |
- |
3 |
2 |
|||
k) |
Insurance |
6 |
8 |
83 |
23 |
20 |
8 |
13 |
7 |
|||
l) |
Other expenditure |
16 |
17 |
43 |
61 |
29 |
29 |
97 |
13 |
|||
V. |
Provisions and contingencies |
235 |
59 |
1513 |
74 |
194 |
359 |
189 |
87 |
|||
Total expenses* |
1151 |
1423 |
3583 |
3846 |
1523 |
1846 |
1337 |
1439 |
||||
VI. |
Profit |
-239 |
-137 |
-433 |
1291 |
-789 |
-933 |
-210 |
12 |
|||
Total (III+IV+V+VI) |
1147 |
1345 |
4663 |
5211 |
928 |
1271 |
1316 |
1538 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Raigarh |
Rajgarh Sehore |
Ranchi |
Rani |
||||||||
Kshetriya |
Kshetriya |
Kshetriya |
Laxmibai |
|||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(281) |
(282) |
(283) |
(284) |
(285) |
(286) |
(287) |
(288) |
||
Income |
||||||||||||
I. |
Interest Earned |
440 |
693 |
207 |
448 |
635 |
840 |
238 |
310 |
|||
a) |
Interest/discount on advances/bills |
124 |
113 |
92 |
192 |
221 |
310 |
98 |
139 |
|||
b) |
Income on Investments |
67 |
24 |
46 |
116 |
199 |
233 |
- |
- |
|||
c) |
Interest on balances with |
249 |
556 |
69 |
139 |
214 |
298 |
- |
- |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
140 |
171 |
|||
II. |
Other income |
17 |
19 |
6 |
14 |
26 |
12 |
7 |
10 |
|||
a) |
Commission, exchange and brokerage |
8 |
11 |
3 |
3 |
1 |
3 |
2 |
3 |
|||
b) |
Other miscellaneous income |
9 |
8 |
3 |
10 |
25 |
9 |
5 |
7 |
|||
Total (I+II) |
457 |
712 |
213 |
462 |
661 |
853 |
245 |
320 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
418 |
526 |
205 |
362 |
501 |
703 |
326 |
391 |
|||
a) |
Interest on deposits |
393 |
492 |
183 |
329 |
458 |
616 |
278 |
344 |
|||
b) |
Interest on RBI/inter-bank borrowings |
24 |
33 |
3 |
3 |
- |
- |
- |
- |
|||
c) |
Others |
0 |
2 |
19 |
31 |
43 |
87 |
47 |
47 |
|||
IV. |
Operating expenses |
254 |
294 |
163 |
220 |
348 |
381 |
210 |
219 |
|||
a) |
Payments to and provisions for employees |
225 |
261 |
141 |
191 |
299 |
342 |
184 |
194 |
|||
b) |
Rent, taxes and lighting |
6 |
6 |
6 |
7 |
9 |
9 |
10 |
9 |
|||
c) |
Printing and stationery |
4 |
4 |
3 |
4 |
4 |
3 |
3 |
3 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
2 |
2 |
2 |
4 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
- |
- |
1 |
1 |
- |
1 |
- |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
1 |
2 |
1 |
1 |
|||
j) |
Repairs and maintenance |
1 |
1 |
- |
1 |
1 |
- |
- |
1 |
|||
k) |
Insurance |
3 |
7 |
- |
- |
- |
4 |
- |
- |
|||
l) |
Other expenditure |
11 |
12 |
10 |
13 |
31 |
15 |
7 |
8 |
|||
V. |
Provisions and contingencies |
- |
- |
15 |
6 |
223 |
19 |
174 |
6 |
|||
Total expenses* |
672 |
820 |
368 |
583 |
849 |
1084 |
535 |
609 |
||||
VI. |
Profit |
-215 |
-108 |
-170 |
-127 |
-411 |
-251 |
-465 |
-295 |
|||
Total (III+IV+V+VI) |
457 |
712 |
213 |
462 |
661 |
853 |
245 |
320 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |