Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 11 of 13) - ആർബിഐ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 11 of 13)
(Amount in Rs. lakh)
|
||||||||||
For the year ended 31st March |
||||||||||
Sharda Gramin Bank | Shekhawati Bank | Shivalik |
Shivpuri Guna Kshetriya |
|||||||
Items |
|
|
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(321) |
(322) |
(323) |
(324) |
(325) |
(326) |
(327) |
(328) |
Income |
||||||||||
I. |
Interest Earned |
702 |
843 |
1511 |
1834 |
905 |
1105 |
584 |
971 |
|
a) |
Interest/discount on advances/bills |
98 |
122 |
581 |
719 |
201 |
269 |
183 |
263 |
|
b) |
Income on Investments |
128 |
271 |
516 |
587 |
333 |
499 |
58 |
76 |
|
c) |
Interest on balances with |
475 |
448 |
414 |
528 |
371 |
336 |
342 |
632 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
2 |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
50 |
35 |
115 |
213 |
56 |
61 |
32 |
29 |
|
a) |
Commission, exchange and brokerage |
47 |
33 |
13 |
13 |
4 |
4 |
11 |
16 |
|
b) |
Other miscellaneous income |
3 |
2 |
102 |
200 |
52 |
56 |
21 |
12 |
|
Total (I+II) |
752 |
878 |
1625 |
2046 |
960 |
1165 |
615 |
999 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
526 |
614 |
1241 |
1469 |
564 |
618 |
614 |
781 |
|
a) |
Interest on deposits |
508 |
592 |
1110 |
1316 |
516 |
568 |
580 |
739 |
|
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
- |
- |
48 |
50 |
34 |
43 |
|
c) |
Others |
18 |
22 |
131 |
153 |
- |
- |
- |
- |
|
IV. |
Operating expenses |
286 |
303 |
554 |
545 |
196 |
286 |
302 |
359 |
|
a) |
Payments to and provisions for employees |
261 |
275 |
482 |
492 |
172 |
253 |
269 |
325 |
|
b) |
Rent, taxes and lighting |
5 |
5 |
5 |
6 |
4 |
4 |
10 |
12 |
|
c) |
Printing and stationery |
3 |
2 |
5 |
6 |
3 |
2 |
5 |
5 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
1 |
3 |
3 |
2 |
3 |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
2 |
1 |
1 |
1 |
1 |
|
h) |
Law charges |
- |
- |
2 |
3 |
1 |
1 |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
4 |
6 |
1 |
1 |
2 |
3 |
|
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
- |
- |
1 |
1 |
|
k) |
Insurance |
3 |
4 |
1 |
1 |
- |
- |
4 |
3 |
|
l) |
Other expenditure |
9 |
11 |
49 |
25 |
11 |
21 |
8 |
8 |
|
V. |
Provisions and contingencies |
481 |
26 |
854 |
- |
140 |
- |
36 |
6 |
|
Total expenses* |
811 |
917 |
1795 |
2013 |
760 |
904 |
917 |
1140 |
||
VI. |
Profit |
-540 |
-64 |
-1023 |
33 |
60 |
261 |
-337 |
-147 |
|
Total (III+IV+V+VI) |
752 |
878 |
1625 |
2046 |
960 |
1165 |
615 |
999 |
||
(Amount in Rs. lakh)
|
||||||||||
For the year ended 31st March |
||||||||||
Shri Sathavahana Gramin Bank |
Shri Venkateshwara |
Singhbhum Gramin Bank | Siwan Kshetriya Gramin Bank |
|||||||
|
Gramin Bank |
|
|
|||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(329) |
(330) |
(331) |
(332) |
(333) |
(334) |
(335) |
(336) |
Income |
||||||||||
I. |
Interest Earned |
801 |
1055 |
1433 |
1737 |
759 |
1020 |
1165 |
1597 |
|
a) |
Interest/discount on advances/bills |
417 |
522 |
928 |
1160 |
133 |
279 |
205 |
210 |
|
b) |
Income on Investments |
129 |
131 |
32 |
34 |
331 |
323 |
113 |
150 |
|
c) |
Interest on balances with |
255 |
402 |
473 |
543 |
295 |
418 |
846 |
1236 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
28 |
141 |
56 |
65 |
15 |
184 |
14 |
12 |
|
a) |
Commission, exchange and brokerage |
19 |
23 |
26 |
32 |
3 |
3 |
5 |
7 |
|
b) |
Other miscellaneous income |
9 |
117 |
30 |
34 |
12 |
181 |
9 |
5 |
|
Total (I+II) |
829 |
1195 |
1488 |
1802 |
774 |
1203 |
1180 |
1609 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
615 |
767 |
869 |
1020 |
583 |
810 |
793 |
1032 |
|
a) |
Interest on deposits |
516 |
654 |
661 |
867 |
561 |
760 |
769 |
1008 |
|
b) |
Interest on RBI/inter-bank borrowings |
99 |
112 |
209 |
153 |
22 |
50 |
24 |
25 |
|
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
IV. |
Operating expenses |
239 |
268 |
518 |
538 |
325 |
373 |
304 |
330 |
|
a) |
Payments to and provisions for employees |
183 |
192 |
463 |
464 |
288 |
335 |
280 |
304 |
|
b) |
Rent, taxes and lighting |
7 |
7 |
11 |
14 |
7 |
9 |
5 |
6 |
|
c) |
Printing and stationery |
5 |
5 |
7 |
9 |
6 |
6 |
4 |
3 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
2 |
3 |
4 |
2 |
2 |
2 |
2 |
|
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. |
1 |
1 |
6 |
10 |
1 |
1 |
- |
1 |
|
j) |
Repairs and maintenance |
1 |
2 |
3 |
2 |
1 |
2 |
- |
- |
|
k) |
Insurance |
31 |
42 |
5 |
8 |
2 |
2 |
6 |
7 |
|
l) |
Other expenditure |
8 |
15 |
18 |
25 |
17 |
16 |
6 |
6 |
|
V. |
Provisions and contingencies |
443 |
- |
119 |
42 |
441 |
- |
195 |
144 |
|
Total expenses* |
854 |
1034 |
1388 |
1558 |
908 |
1184 |
1097 |
1362 |
||
VI. |
Profit |
-468 |
161 |
-19 |
202 |
-575 |
20 |
-112 |
103 |
|
Total (III+IV+V+VI) |
829 |
1195 |
1488 |
1802 |
774 |
1203 |
1180 |
1609 |
||
(Amount in Rs. lakh)
|
||||||||||
For the year ended 31st March |
||||||||||
Solapur |
South Malabar |
Sravasthi |
Sree Anantha |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(337) |
(338) |
(339) |
(340) |
(341) |
(342) |
(343) |
(344) |
Income |
||||||||||
I. |
Interest Earned |
282 |
402 |
3629 |
4699 |
1349 |
1694 |
1981 |
2376 |
|
a) |
Interest/discount on advances/bills |
211 |
314 |
2783 |
3612 |
425 |
462 |
1239 |
1553 |
|
b) |
Income on Investments |
16 |
81 |
434 |
579 |
351 |
532 |
729 |
811 |
|
c) |
Interest on balances with |
54 |
6 |
401 |
501 |
573 |
700 |
13 |
12 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
10 |
6 |
- |
- |
- |
- |
|
II. |
Other income |
21 |
72 |
349 |
337 |
64 |
237 |
304 |
246 |
|
a) |
Commission, exchange and brokerage |
3 |
5 |
326 |
332 |
64 |
71 |
26 |
31 |
|
b) |
Other miscellaneous income |
18 |
67 |
23 |
5 |
- |
166 |
278 |
215 |
|
Total (I+II) |
303 |
474 |
3978 |
5035 |
1413 |
1931 |
2284 |
2622 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
244 |
282 |
1895 |
2193 |
744 |
872 |
1127 |
1324 |
|
a) |
Interest on deposits |
165 |
196 |
1097 |
1307 |
631 |
758 |
859 |
993 |
|
b) |
Interest on RBI/inter-bank borrowings |
79 |
86 |
798 |
886 |
113 |
114 |
264 |
328 |
|
c) |
Others |
- |
- |
- |
- |
- |
- |
4 |
3 |
|
IV. |
Operating expenses |
142 |
149 |
1692 |
1950 |
504 |
510 |
524 |
531 |
|
a) |
Payments to and provisions for employees |
118 |
126 |
1447 |
1667 |
448 |
460 |
388 |
427 |
|
b) |
Rent, taxes and lighting |
8 |
6 |
43 |
52 |
8 |
10 |
10 |
12 |
|
c) |
Printing and stationery |
3 |
3 |
18 |
24 |
5 |
5 |
9 |
9 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
3 |
3 |
8 |
8 |
4 |
6 |
8 |
10 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
3 |
2 |
1 |
1 |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
1 |
- |
1 |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
- |
- |
23 |
35 |
1 |
3 |
7 |
9 |
|
j) |
Repairs and maintenance |
- |
- |
4 |
4 |
1 |
1 |
- |
- |
|
k) |
Insurance |
1 |
1 |
11 |
13 |
22 |
8 |
1 |
2 |
|
l) |
Other expenditure |
8 |
8 |
133 |
144 |
13 |
17 |
99 |
61 |
|
V. |
Provisions and contingencies |
137 |
4 |
611 |
3 |
1152 |
- |
324 |
25 |
|
Total expenses* |
386 |
431 |
3587 |
4144 |
1248 |
1382 |
1651 |
1855 |
||
VI. |
Profit |
-220 |
38 |
-220 |
888 |
-986 |
548 |
309 |
742 |
|
Total (III+IV+V+VI) |
303 |
474 |
3978 |
5035 |
1413 |
1931 |
2284 |
2622 |
||
(Amount in Rs. lakh)
|
||||||||||
For the year ended 31st March |
||||||||||
Items |
Sri Saraswathi Gramin Bank |
Sri Visakha Gramin Bank |
Sriganganagar Kshetriya |
Srirama Gramin Bank |
||||||
|
|
Gramin Bank |
|
|||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(345) |
(346) |
(347) |
(348) |
(349) |
(350) |
(351) |
(352) |
Income |
||||||||||
I. |
Interest Earned |
1543 |
1892 |
2545 |
3551 |
365 |
529 |
590 |
682 |
|
a) |
Interest/discount on advances/bills |
679 |
762 |
1223 |
1679 |
171 |
265 |
313 |
337 |
|
b) |
Income on Investments |
827 |
1102 |
1321 |
1869 |
87 |
115 |
104 |
132 |
|
c) |
Interest on balances with |
37 |
29 |
1 |
3 |
108 |
149 |
173 |
- |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
213 |
|
II. |
Other income |
30 |
40 |
62 |
138 |
25 |
44 |
23 |
29 |
|
a) |
Commission, exchange and brokerage |
20 |
30 |
49 |
57 |
9 |
6 |
12 |
15 |
|
b) |
Other miscellaneous income |
10 |
9 |
14 |
80 |
17 |
39 |
11 |
14 |
|
Total (I+II) |
1573 |
1932 |
2608 |
3688 |
390 |
573 |
613 |
712 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
1032 |
1273 |
2133 |
2481 |
350 |
431 |
374 |
414 |
|
a) |
Interest on deposits |
858 |
1105 |
1840 |
2158 |
321 |
384 |
273 |
319 |
|
b) |
Interest on RBI/inter-bank borrowings |
35 |
149 |
293 |
323 |
29 |
47 |
101 |
95 |
|
c) |
Others |
138 |
19 |
- |
- |
- |
- |
- |
- |
|
IV. |
Operating expenses |
376 |
431 |
1195 |
1001 |
153 |
180 |
151 |
188 |
|
a) |
Payments to and provisions for employees |
323 |
324 |
1106 |
905 |
130 |
156 |
116 |
116 |
|
b) |
Rent, taxes and lighting |
11 |
13 |
25 |
36 |
4 |
5 |
4 |
5 |
|
c) |
Printing and stationery |
8 |
9 |
24 |
20 |
2 |
2 |
3 |
5 |
|
d) |
Advertisement and publicity |
- |
- |
4 |
1 |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
4 |
5 |
3 |
3 |
2 |
2 |
3 |
3 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
3 |
2 |
- |
- |
1 |
- |
|
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
3 |
11 |
12 |
1 |
1 |
- |
- |
|
j) |
Repairs and maintenance |
- |
- |
2 |
2 |
- |
- |
1 |
1 |
|
k) |
Insurance |
6 |
48 |
9 |
13 |
3 |
3 |
21 |
56 |
|
l) |
Other expenditure |
22 |
28 |
7 |
7 |
10 |
11 |
2 |
2 |
|
V. |
Provisions and contingencies |
124 |
61 |
424 |
201 |
34 |
- |
42 |
- |
|
Total expenses* |
1408 |
1704 |
3328 |
3481 |
503 |
611 |
525 |
602 |
||
VI. |
Profit |
41 |
167 |
-1144 |
6 |
-147 |
-38 |
46 |
110 |
|
Total (III+IV+V+VI) |
1573 |
1932 |
2608 |
3688 |
390 |
573 |
613 |
712 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |