Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 17 of 26) - ആർബിഐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 17 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31 March |
||||||||||||||
Kalahandi Anchalika |
Kalpatharu |
Kamraz |
Kanakadurga |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(169) |
(170) |
|
(171) |
(172) |
|
(173) |
(174) |
|
(175) |
(176) |
Income |
||||||||||||||
I. |
Interest earned |
239 |
355 |
694 |
1116 |
454 |
628 |
467 |
607 |
|||||
a) |
Interest/discount on advances/bills |
140 |
184 |
317 |
538 |
66 |
79 |
263 |
365 |
|||||
b) |
Income on investments |
7 |
23 |
347 |
457 |
113 |
127 |
202 |
239 |
|||||
c) |
Interest on balances with RBI and other |
92 |
147 |
30 |
28 |
275 |
422 |
2 |
2 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
93 |
- |
- |
- |
- |
|||||
II. |
Other income |
34 |
12 |
62 |
85 |
10 |
24 |
14 |
18 |
|||||
a) |
Commission, exchange, brokerage, etc. |
- |
- |
42 |
50 |
4 |
5 |
2 |
4 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
- |
11 |
- |
- |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
1 |
- |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
33 |
12 |
|
20 |
35 |
|
6 |
8 |
|
12 |
14 |
||
|
Total (I+II) |
|
273 |
367 |
|
756 |
1201 |
|
464 |
652 |
|
481 |
625 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
230 |
330 |
550 |
715 |
393 |
531 |
287 |
334 |
|||||
a) |
Interest on deposits |
149 |
244 |
407 |
550 |
371 |
509 |
201 |
228 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
81 |
86 |
144 |
165 |
22 |
23 |
85 |
106 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
342 |
399 |
369 |
449 |
363 |
419 |
117 |
121 |
|||||
a) |
Payments to and provisions for employees |
297 |
361 |
298 |
381 |
313 |
355 |
93 |
98 |
|||||
b) |
Rent, taxes and lighting |
7 |
8 |
7 |
8 |
7 |
8 |
4 |
5 |
|||||
c) |
Printing and stationery |
5 |
5 |
5 |
6 |
3 |
8 |
3 |
3 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
1 |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
3 |
3 |
2 |
3 |
4 |
4 |
|||||
f) |
Directors' fees, allowances and expenses |
1 |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
- |
1 |
- |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
3 |
4 |
2 |
3 |
- |
- |
2 |
3 |
|||||
j) |
Repairs and maintenance |
1 |
2 |
1 |
2 |
- |
- |
2 |
2 |
|||||
k) |
Insurance |
14 |
7 |
34 |
27 |
4 |
5 |
2 |
3 |
|||||
l) |
Other expenditure |
12 |
9 |
17 |
19 |
31 |
39 |
7 |
2 |
|||||
V. |
Provisions and contingencies |
- |
290 |
25 |
463 |
18 |
182 |
13 |
48 |
|||||
Total expenses |
572 |
1019 |
945 |
1627 |
774 |
1132 |
417 |
503 |
||||||
VI. |
Profit (loss) |
(300) |
(653) |
|
(189) |
(426) |
|
(310) |
(480) |
|
64 |
121 |
||
Total (III+IV+V+VI) |
|
273 |
367 |
|
756 |
1201 |
|
464 |
652 |
|
481 |
625 |
|
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|
|
|
|
|
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(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Kanpur Kshetriya |
Kapurthala Firozpur Kshetriya |
Kashi |
Kisan |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(177) |
(178) |
|
(179) |
(180) |
|
(181) |
(182) |
|
(183) |
(184) |
Income |
||||||||||||||
I. |
Interest earned |
872 |
1709 |
301 |
505 |
779 |
1151 |
276 |
409 |
|||||
a) |
Interest/discount on advances/bills |
177 |
429 |
75 |
140 |
206 |
284 |
111 |
135 |
|||||
b) |
Income on investments |
240 |
775 |
75 |
138 |
245 |
442 |
48 |
87 |
|||||
c) |
Interest on balances with RBI and other |
450 |
504 |
152 |
227 |
327 |
426 |
118 |
186 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
5 |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
65 |
57 |
38 |
46 |
40 |
52 |
16 |
26 |
|||||
a) |
Commission, exchange, brokerage, etc. |
61 |
52 |
2 |
2 |
11 |
14 |
10 |
14 |
|||||
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 |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
4 |
4 |
|
36 |
44 |
|
29 |
38 |
|
6 |
12 |
||
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Total (I+II) |
|
937 |
1766 |
|
339 |
551 |
|
818 |
1203 |
|
292 |
435 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
921 |
1347 |
326 |
383 |
745 |
1011 |
253 |
363 |
|||||
a) |
Interest on deposits |
806 |
1195 |
293 |
346 |
686 |
953 |
211 |
316 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
33 |
37 |
2 |
2 |
42 |
47 |
|||||
c) |
Others |
115 |
151 |
- |
- |
57 |
56 |
- |
- |
|||||
IV. |
Operating expenses |
548 |
543 |
200 |
193 |
372 |
418 |
246 |
264 |
|||||
a) |
Payments to and provisions for employees |
428 |
476 |
156 |
171 |
306 |
341 |
212 |
233 |
|||||
b) |
Rent, taxes and lighting |
11 |
12 |
3 |
4 |
9 |
13 |
5 |
6 |
|||||
c) |
Printing and stationery |
6 |
5 |
3 |
3 |
5 |
6 |
3 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
4 |
4 |
4 |
4 |
3 |
3 |
2 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
1 |
- |
1 |
|||||
h) |
Law charges |
- |
1 |
- |
- |
1 |
1 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
1 |
1 |
1 |
1 |
2 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
- |
1 |
1 |
1 |
2 |
2 |
1 |
1 |
|||||
k) |
Insurance |
75 |
16 |
- |
1 |
19 |
19 |
- |
1 |
|||||
l) |
Other expenditure |
22 |
24 |
32 |
9 |
26 |
31 |
20 |
16 |
|||||
V. |
Provisions and contingencies |
59 |
1854 |
49 |
456 |
72 |
1531 |
46 |
175 |
|||||
Total expenses |
1528 |
3743 |
575 |
1032 |
1189 |
2960 |
545 |
802 |
||||||
VI. |
Profit (loss) |
(592) |
(1977) |
|
(236) |
(482) |
|
(370) |
(1757) |
|
(253) |
(367) |
||
Total (III+IV+V+VI) |
|
937 |
1766 |
|
339 |
551 |
|
818 |
1203 |
|
292 |
435 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Kolar |
Koraput Panchabati |
Kosi Kshetriya |
Krishna |
|||||||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(185) |
(186) |
|
(187) |
(188) |
|
(189) |
(190) |
|
(191) |
(192) |
Income |
||||||||||||||
I. |
Interest earned |
684 |
1097 |
955 |
1347 |
548 |
845 |
1035 |
1856 |
|||||
a) |
Interest/discount on advances/bills |
359 |
576 |
232 |
460 |
141 |
204 |
595 |
1247 |
|||||
b) |
Income on investments |
322 |
517 |
377 |
887 |
- |
- |
124 |
259 |
|||||
c) |
Interest on balances with RBI and other |
3 |
- |
346 |
- |
406 |
642 |
316 |
350 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
5 |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
74 |
66 |
48 |
46 |
25 |
21 |
120 |
49 |
|||||
a) |
Commission, exchange, brokerage, etc. |
7 |
10 |
1 |
- |
4 |
4 |
100 |
49 |
|||||
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 |
66 |
56 |
|
47 |
46 |
|
21 |
17 |
|
20 |
- |
||
|
Total (I+II) |
|
758 |
1164 |
|
1002 |
1392 |
|
573 |
866 |
|
1155 |
1906 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
511 |
643 |
524 |
711 |
635 |
859 |
770 |
1218 |
|||||
a) |
Interest on deposits |
355 |
486 |
368 |
557 |
557 |
804 |
620 |
927 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
145 |
158 |
156 |
154 |
78 |
55 |
- |
- |
|||||
c) |
Others |
11 |
- |
- |
- |
- |
- |
150 |
291 |
|||||
IV. |
Operating expenses |
362 |
414 |
525 |
596 |
694 |
1031 |
604 |
715 |
|||||
a) |
Payments to and provisions for employees |
269 |
375 |
447 |
508 |
568 |
652 |
412 |
441 |
|||||
b) |
Rent, taxes and lighting |
7 |
9 |
8 |
9 |
10 |
11 |
11 |
11 |
|||||
c) |
Printing and stationery |
3 |
2 |
7 |
8 |
9 |
10 |
6 |
10 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
4 |
4 |
2 |
3 |
3 |
4 |
|||||
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. |
3 |
3 |
4 |
4 |
1 |
2 |
2 |
3 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
1 |
2 |
- |
1 |
|||||
k) |
Insurance |
46 |
8 |
45 |
41 |
29 |
26 |
59 |
7 |
|||||
l) |
Other expenditure |
30 |
13 |
9 |
18 |
74 |
323 |
110 |
236 |
|||||
V. |
Provisions and contingencies |
- |
430 |
418 |
395 |
- |
- |
425 |
(311) |
|||||
Total expenses |
873 |
1487 |
1467 |
1702 |
1329 |
1890 |
1800 |
1621 |
||||||
VI. |
Profit (loss) |
(116) |
(323) |
|
(464) |
(310) |
|
(756) |
(1024) |
|
(645) |
284 |
||
Total (III+IV+V+VI) |
|
758 |
1164 |
|
1002 |
1392 |
|
573 |
866 |
|
1155 |
1906 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |