Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 24 of 26) - ആർബിഐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 24 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||||
Solapur |
South Malabar |
Sravasthi |
Sree Anantha |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(337) |
(338) |
|
(339) |
(340) |
|
(341) |
(342) |
|
(343) |
(344) |
Income |
||||||||||||||
I. |
Interest earned |
188 |
282 |
3047 |
3629 |
817 |
1349 |
1253 |
1981 |
|||||
a) |
Interest/discount on advances/bills |
152 |
211 |
2206 |
2783 |
278 |
425 |
917 |
1239 |
|||||
b) |
Income on investments |
2 |
16 |
358 |
434 |
141 |
351 |
2 |
729 |
|||||
c) |
Interest on balances with RBI and other |
31 |
54 |
481 |
401 |
398 |
573 |
335 |
13 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
4 |
- |
3 |
10 |
- |
- |
- |
- |
|||||
II. |
Other income |
8 |
21 |
210 |
349 |
40 |
64 |
92 |
304 |
|||||
a) |
Commission, exchange, brokerage, etc. |
1 |
3 |
206 |
326 |
39 |
64 |
18 |
26 |
|||||
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 |
7 |
18 |
|
4 |
23 |
|
- |
- |
|
74 |
278 |
||
|
Total (I+II) |
|
196 |
303 |
|
3257 |
3978 |
|
857 |
1413 |
|
1345 |
2284 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
152 |
244 |
1692 |
1895 |
573 |
744 |
793 |
1127 |
|||||
a) |
Interest on deposits |
115 |
165 |
980 |
1097 |
473 |
631 |
569 |
859 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
37 |
79 |
712 |
798 |
100 |
113 |
219 |
264 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
5 |
4 |
|||||
IV. |
Operating expenses |
141 |
142 |
1480 |
1692 |
381 |
504 |
471 |
524 |
|||||
a) |
Payments to and provisions for employees |
111 |
118 |
1284 |
1447 |
346 |
448 |
366 |
388 |
|||||
b) |
Rent, taxes and lighting |
4 |
8 |
39 |
43 |
7 |
8 |
8 |
10 |
|||||
c) |
Printing and stationery |
3 |
3 |
14 |
18 |
4 |
5 |
7 |
9 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
8 |
8 |
4 |
4 |
6 |
8 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
2 |
3 |
1 |
1 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
- |
19 |
23 |
1 |
1 |
6 |
7 |
|||||
j) |
Repairs and maintenance |
- |
- |
3 |
4 |
1 |
1 |
- |
- |
|||||
k) |
Insurance |
12 |
1 |
9 |
11 |
6 |
22 |
1 |
1 |
|||||
l) |
Other expenditure |
7 |
8 |
102 |
133 |
11 |
13 |
75 |
99 |
|||||
V. |
Provisions and contingencies |
18 |
137 |
33 |
611 |
128 |
1152 |
44 |
324 |
|||||
Total expenses |
311 |
523 |
3205 |
4198 |
1082 |
2399 |
1308 |
1975 |
||||||
VI. |
Profit (loss) |
(115) |
(220) |
|
52 |
(220) |
|
(226) |
(986) |
|
37 |
309 |
||
Total (III+IV+V+VI) |
|
196 |
303 |
|
3257 |
3978 |
|
857 |
1413 |
|
1345 |
2284 |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||||
Sri Saraswathi |
Sri Visakha |
Sriganganagar |
Srirama |
|||||||||||
Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(345) |
(346) |
|
(347) |
(348) |
|
(349) |
(350) |
|
(351) |
(352) |
Income |
||||||||||||||
I. |
Interest earned |
1065 |
1543 |
2091 |
2545 |
215 |
365 |
508 |
590 |
|||||
a) |
Interest/discount on advances/bills |
478 |
679 |
1220 |
1223 |
81 |
171 |
294 |
313 |
|||||
b) |
Income on investments |
567 |
827 |
853 |
1321 |
16 |
87 |
62 |
104 |
|||||
c) |
Interest on balances with RBI and other |
21 |
37 |
18 |
1 |
118 |
108 |
152 |
173 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
28 |
30 |
61 |
62 |
24 |
25 |
18 |
23 |
|||||
a) |
Commission, exchange, brokerage, etc. |
18 |
20 |
48 |
49 |
4 |
9 |
9 |
12 |
|||||
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 |
11 |
10 |
|
13 |
14 |
|
20 |
17 |
|
9 |
11 |
||
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Total (I+II) |
|
1093 |
1573 |
|
2152 |
2608 |
|
240 |
390 |
|
525 |
613 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
730 |
1032 |
1614 |
2133 |
239 |
350 |
312 |
374 |
|||||
a) |
Interest on deposits |
583 |
858 |
1330 |
1840 |
219 |
321 |
210 |
273 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
32 |
35 |
284 |
293 |
20 |
29 |
102 |
101 |
|||||
c) |
Others |
115 |
138 |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
337 |
376 |
851 |
1195 |
127 |
153 |
136 |
151 |
|||||
a) |
Payments to and provisions for employees |
253 |
323 |
770 |
1106 |
99 |
130 |
100 |
116 |
|||||
b) |
Rent, taxes and lighting |
9 |
11 |
22 |
25 |
4 |
4 |
4 |
4 |
|||||
c) |
Printing and stationery |
5 |
8 |
17 |
24 |
2 |
2 |
3 |
3 |
|||||
d) |
Advertisement and publicity |
- |
- |
6 |
4 |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
4 |
4 |
3 |
3 |
1 |
2 |
2 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
3 |
- |
- |
- |
1 |
|||||
h) |
Law charges |
- |
- |
- |
1 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
8 |
11 |
1 |
1 |
- |
- |
|||||
j) |
Repairs and maintenance |
1 |
- |
3 |
2 |
- |
- |
1 |
1 |
|||||
k) |
Insurance |
35 |
6 |
4 |
9 |
9 |
3 |
21 |
21 |
|||||
l) |
Other expenditure |
27 |
22 |
16 |
7 |
10 |
10 |
5 |
2 |
|||||
V. |
Provisions and contingencies |
11 |
124 |
403 |
424 |
43 |
34 |
37 |
42 |
|||||
Total expenses |
1079 |
1532 |
2868 |
3752 |
409 |
537 |
485 |
567 |
||||||
VI. |
Profit (loss) |
15 |
41 |
|
(716) |
(1144) |
|
(169) |
(147) |
|
41 |
46 |
||
Total (III+IV+V+VI) |
|
1093 |
1573 |
|
2152 |
2608 |
|
240 |
390 |
|
525 |
613 |
|
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|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Subansiri Gaonlia |
Sultanpur |
Surat-Bharuch |
Surendranagar Bhav- |
|||||||||||
Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
nagar Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(353) |
(354) |
|
(355) |
(356) |
|
(357) |
(358) |
|
(359) |
(360) |
Income |
||||||||||||||
I. |
Interest earned |
185 |
361 |
1581 |
2381 |
425 |
695 |
186 |
368 |
|||||
a) |
Interest/discount on advances/bills |
28 |
39 |
474 |
641 |
177 |
356 |
105 |
210 |
|||||
b) |
Income on investments |
43 |
112 |
1046 |
1604 |
66 |
81 |
3 |
15 |
|||||
c) |
Interest on balances with RBI and other |
114 |
210 |
42 |
136 |
182 |
258 |
78 |
143 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
18 |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
10 |
36 |
40 |
130 |
49 |
33 |
35 |
49 |
|||||
a) |
Commission, exchange, brokerage, etc. |
3 |
5 |
34 |
93 |
7 |
9 |
17 |
24 |
|||||
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 |
7 |
31 |
|
6 |
37 |
|
42 |
24 |
|
18 |
26 |
||
|
Total (I+II) |
|
195 |
397 |
|
1621 |
2511 |
|
474 |
728 |
|
221 |
417 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
169 |
204 |
1116 |
1623 |
261 |
441 |
171 |
279 |
|||||
a) |
Interest on deposits |
153 |
193 |
938 |
1253 |
187 |
311 |
136 |
222 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
16 |
12 |
149 |
142 |
70 |
125 |
7 |
11 |
|||||
c) |
Others |
- |
- |
30 |
227 |
5 |
5 |
28 |
46 |
|||||
IV. |
Operating expenses |
188 |
207 |
585 |
645 |
170 |
174 |
149 |
155 |
|||||
a) |
Payments to and provisions for employees |
143 |
177 |
525 |
568 |
127 |
137 |
125 |
132 |
|||||
b) |
Rent, taxes and lighting |
4 |
5 |
19 |
12 |
5 |
6 |
6 |
6 |
|||||
c) |
Printing and stationery |
3 |
4 |
5 |
6 |
2 |
3 |
3 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
3 |
3 |
1 |
3 |
2 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
- |
1 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
1 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
1 |
1 |
1 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
- |
- |
1 |
1 |
- |
- |
- |
- |
|||||
k) |
Insurance |
1 |
1 |
9 |
9 |
25 |
12 |
2 |
3 |
|||||
l) |
Other expenditure |
33 |
17 |
20 |
43 |
9 |
11 |
10 |
6 |
|||||
V. |
Provisions and contingencies |
93 |
488 |
96 |
455 |
11 |
91 |
149 |
108 |
|||||
Total expenses |
450 |
899 |
1797 |
2722 |
443 |
706 |
470 |
542 |
||||||
VI. |
Profit (loss) |
(254) |
(502) |
|
(176) |
(211) |
|
31 |
22 |
|
(249) |
(125) |
||
Total (III+IV+V+VI) |
|
195 |
397 |
|
1621 |
2511 |
|
474 |
728 |
|
221 |
417 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |