Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 10 of 26) - ಆರ್ಬಿಐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 10 of 26)
REGIONAL RURAL BANKS |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Adhiyaman |
Akola Gramin |
Alaknanda Gramin |
Aligarh Gramin |
||||||||||
Gramin Bank |
Bank |
Bank |
Bank |
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(1) |
(2) |
|
(3) |
(4) |
|
(5) |
(6) |
|
(7) |
(8) |
Income |
||||||||||||||
I. |
Interest earned |
274 |
418 |
168 |
270 |
300 |
430 |
1417 |
2312 |
|||||
a) |
Interest/discount on advances/bills |
209 |
291 |
88 |
155 |
47 |
71 |
620 |
936 |
|||||
b) |
Income on investments |
3 |
9 |
- |
- |
84 |
131 |
345 |
821 |
|||||
c) |
Interest on balances with RBI and other |
61 |
119 |
67 |
115 |
169 |
228 |
452 |
555 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
13 |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
26 |
26 |
11 |
16 |
16 |
17 |
89 |
135 |
|||||
a) |
Commission, exchange, brokerage, etc. |
3 |
3 |
9 |
11 |
4 |
9 |
17 |
18 |
|||||
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 |
23 |
22 |
|
2 |
5 |
|
11 |
7 |
|
72 |
117 |
||
|
Total (I+II) |
|
300 |
443 |
|
179 |
286 |
|
316 |
447 |
|
1506 |
2447 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
193 |
259 |
159 |
219 |
214 |
319 |
955 |
1469 |
|||||
a) |
Interest on deposits |
113 |
155 |
124 |
171 |
195 |
301 |
765 |
1192 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
80 |
104 |
- |
- |
19 |
18 |
190 |
277 |
|||||
c) |
Others |
- |
- |
35 |
48 |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
109 |
115 |
159 |
175 |
143 |
216 |
436 |
527 |
|||||
a) |
Payments to and provisions for employees |
88 |
96 |
139 |
152 |
109 |
182 |
383 |
432 |
|||||
b) |
Rent, taxes and lighting |
3 |
3 |
5 |
6 |
4 |
4 |
12 |
13 |
|||||
c) |
Printing and stationery |
2 |
2 |
2 |
3 |
1 |
2 |
6 |
5 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
1 |
1 |
1 |
1 |
3 |
4 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
- |
- |
- |
- |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
3 |
2 |
1 |
1 |
1 |
1 |
1 |
3 |
|||||
j) |
Repairs and maintenance |
2 |
2 |
- |
- |
- |
- |
1 |
2 |
|||||
k) |
Insurance |
2 |
1 |
1 |
4 |
8 |
11 |
2 |
6 |
|||||
l) |
Other expenditure |
7 |
6 |
9 |
8 |
17 |
15 |
26 |
62 |
|||||
V. |
Provisions and contingencies |
14 |
92 |
- |
38 |
2 |
20 |
15 |
264 |
|||||
Total expenses |
316 |
466 |
318 |
432 |
358 |
556 |
1405 |
2260 |
||||||
VI. |
Profit (loss) |
(16) |
(22) |
|
(139) |
(146) |
|
(43) |
(109) |
|
101 |
187 |
||
Total (III+IV+V+VI) |
|
300 |
443 |
|
179 |
286 |
|
316 |
447 |
|
1506 |
2447 |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Allahabad |
Alwar Bharatpur |
Ambala Kurukshetra |
Aravali |
||||||||||
Kshetriya Gramin |
Gramin Bank |
Gramin Bank |
Kshetriya Gramin |
|||||||||||
Bank |
|
|
Bank |
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(9) |
(10) |
|
(11) |
(12) |
|
(13) |
(14) |
|
(15) |
(16) |
Income |
||||||||||||||
I. |
Interest earned |
729 |
1049 |
485 |
768 |
445 |
661 |
273 |
429 |
|||||
a) |
Interest/discount on advances/bills |
302 |
298 |
119 |
224 |
203 |
323 |
134 |
236 |
|||||
b) |
Income on investments |
102 |
306 |
152 |
267 |
99 |
159 |
18 |
40 |
|||||
c) |
Interest on balances with RBI and other |
325 |
445 |
214 |
278 |
132 |
174 |
122 |
154 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
11 |
5 |
- |
- |
|||||
II. |
Other income |
48 |
68 |
18 |
22 |
15 |
17 |
32 |
38 |
|||||
a) |
Commission, exchange, brokerage, etc. |
33 |
47 |
4 |
5 |
4 |
4 |
6 |
11 |
|||||
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 |
21 |
|
14 |
17 |
|
12 |
14 |
|
26 |
27 |
||
|
Total (I+II) |
|
778 |
1117 |
|
503 |
790 |
|
460 |
679 |
|
305 |
467 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
718 |
1010 |
484 |
674 |
342 |
457 |
327 |
499 |
|||||
a) |
Interest on deposits |
656 |
948 |
452 |
643 |
304 |
395 |
292 |
453 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
62 |
62 |
32 |
31 |
38 |
62 |
34 |
46 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
492 |
585 |
323 |
352 |
154 |
165 |
248 |
263 |
|||||
a) |
Payments to and provisions for employees |
347 |
529 |
284 |
318 |
131 |
140 |
190 |
222 |
|||||
b) |
Rent, taxes and lighting |
12 |
13 |
7 |
8 |
5 |
5 |
7 |
8 |
|||||
c) |
Printing and stationery |
6 |
6 |
4 |
4 |
2 |
2 |
3 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
3 |
4 |
2 |
2 |
3 |
3 |
3 |
4 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
- |
1 |
- |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
1 |
2 |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
1 |
1 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
2 |
- |
- |
- |
- |
1 |
2 |
2 |
|||||
k) |
Insurance |
95 |
8 |
9 |
5 |
2 |
3 |
23 |
3 |
|||||
l) |
Other expenditure |
25 |
23 |
14 |
12 |
9 |
10 |
16 |
16 |
|||||
V. |
Provisions and contingencies |
80 |
540 |
38 |
539 |
32 |
69 |
- |
147 |
|||||
Total expenses |
1290 |
2134 |
845 |
1564 |
528 |
691 |
575 |
909 |
||||||
VI. |
Profit (loss) |
(512) |
(1017) |
|
(342) |
(774) |
|
(68) |
(12) |
|
(269) |
(442) |
||
Total (III+IV+V+VI) |
|
778 |
1117 |
|
503 |
790 |
|
460 |
679 |
|
305 |
467 |
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended 31st March |
||||||||||||||
Items |
Arunachal Pradesh |
Aurangabad Jalana |
Avadh |
Baitarani |
||||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramya Bank |
|||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(17) |
(18) |
|
(19) |
(20) |
|
(21) |
(22) |
|
(23) |
(24) |
Income |
||||||||||||||
I. |
Interest earned |
139 |
177 |
580 |
903 |
1999 |
2694 |
464 |
761 |
|||||
a) |
Interest/discount on advances/bills |
38 |
67 |
282 |
336 |
347 |
364 |
203 |
296 |
|||||
b) |
Income on investments |
22 |
37 |
280 |
466 |
1622 |
2299 |
121 |
246 |
|||||
c) |
Interest on balances with RBI and other |
80 |
73 |
13 |
23 |
30 |
30 |
140 |
219 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
5 |
78 |
- |
- |
- |
- |
|||||
II. |
Other income |
9 |
9 |
42 |
99 |
10 |
8 |
8 |
10 |
|||||
a) |
Commission, exchange, brokerage, etc. |
2 |
5 |
34 |
54 |
7 |
6 |
6 |
8 |
|||||
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 |
- |
- |
- |
1 |
1 |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
7 |
4 |
|
9 |
44 |
|
3 |
2 |
|
1 |
2 |
||
|
Total (I+II) |
|
149 |
187 |
|
622 |
1002 |
|
2009 |
2702 |
|
471 |
771 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
76 |
97 |
328 |
485 |
1159 |
1530 |
472 |
670 |
|||||
a) |
Interest on deposits |
68 |
85 |
222 |
281 |
1037 |
1407 |
380 |
546 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
8 |
12 |
106 |
205 |
122 |
122 |
91 |
24 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
2 |
- |
|||||
IV. |
Operating expenses |
71 |
80 |
259 |
310 |
560 |
750 |
374 |
430 |
|||||
a) |
Payments to and provisions for employees |
59 |
68 |
190 |
232 |
511 |
637 |
344 |
391 |
|||||
b) |
Rent, taxes and lighting |
3 |
3 |
6 |
8 |
11 |
11 |
7 |
9 |
|||||
c) |
Printing and stationery |
2 |
3 |
5 |
10 |
11 |
10 |
5 |
6 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
3 |
4 |
6 |
6 |
2 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
1 |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
2 |
2 |
2 |
2 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
4 |
- |
2 |
2 |
2 |
2 |
- |
- |
|||||
k) |
Insurance |
- |
3 |
4 |
3 |
8 |
72 |
- |
- |
|||||
l) |
Other expenditure |
1 |
1 |
47 |
48 |
9 |
9 |
12 |
19 |
|||||
V. |
Provisions and contingencies |
104 |
45 |
53 |
471 |
100 |
602 |
2049 |
363 |
|||||
Total expenses |
157 |
222 |
640 |
1266 |
1819 |
2882 |
2895 |
1462 |
||||||
VI. |
Profit (loss) |
(8) |
(36) |
|
(18) |
(265) |
|
190 |
(181) |
|
(2424) |
(691) |
||
Total (III+IV+V+VI) |
|
149 |
187 |
|
622 |
1002 |
|
2009 |
2702 |
|
471 |
771 |
Note |
: |
Figures in bracket indicate loss. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |