Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 2 of 13) - ആർബിഐ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 2 of 13)
|
|
|
|
|
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|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Bareilly |
Bastar |
|||||||||
Bardhman |
Kshetriya |
Kshetriya |
Basti |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
Income |
||||||||||
I. |
Interest Earned |
1711 |
2166 |
767 |
1058 |
270 |
356 |
1773 |
2194 |
|
a) |
Interest/discount on advances/bills |
358 |
380 |
282 |
384 |
65 |
104 |
329 |
399 |
|
b) |
Income on Investments |
823 |
1240 |
193 |
663 |
9 |
7 |
1443 |
1789 |
|
c) |
Interest on balances with |
530 |
545 |
292 |
10 |
190 |
245 |
- |
7 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
6 |
- |
- |
- |
|
II. |
Other income |
169 |
144 |
42 |
73 |
15 |
6 |
48 |
153 |
|
a) |
Commission, exchange and brokerage |
38 |
35 |
28 |
46 |
5 |
6 |
30 |
69 |
|
b) |
Other miscellaneous income |
131 |
109 |
14 |
27 |
10 |
10 |
19 |
84 |
|
Total (I+II) |
1880 |
2310 |
809 |
1131 |
285 |
361 |
1821 |
2347 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
1170 |
1590 |
586 |
678 |
341 |
367 |
1118 |
1391 |
|
a) |
Interest on deposits |
1110 |
1522 |
528 |
616 |
324 |
351 |
1013 |
1271 |
|
b) |
Interest on RBI/inter-bank borrowings |
60 |
68 |
- |
62 |
16 |
16 |
106 |
119 |
|
c) |
Others |
- |
- |
58 |
- |
- |
- |
- |
- |
|
IV. |
Operating expenses |
578 |
576 |
426 |
413 |
302 |
338 |
481 |
515 |
|
a) |
Payments to and provisions for employees |
523 |
518 |
354 |
373 |
279 |
316 |
409 |
447 |
|
b) |
Rent, taxes and lighting |
12 |
12 |
11 |
12 |
4 |
5 |
7 |
8 |
|
c) |
Printing and stationery |
6 |
9 |
6 |
6 |
4 |
4 |
6 |
5 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
3 |
3 |
3 |
3 |
1 |
1 |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
- |
- |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
2 |
3 |
|
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
2 |
2 |
1 |
1 |
7 |
8 |
|
j) |
Repairs and maintenance |
1 |
1 |
4 |
4 |
1 |
1 |
1 |
1 |
|
k) |
Insurance |
11 |
11 |
38 |
5 |
9 |
7 |
22 |
18 |
|
l) |
Other expenditure |
19 |
17 |
9 |
8 |
3 |
2 |
23 |
21 |
|
V. |
Provisions and contingencies |
28 |
38 |
182 |
38 |
78 |
7 |
857 |
- |
|
Total expenses* |
1748 |
2165 |
1012 |
1091 |
643 |
695 |
1599 |
1906 |
||
VI. |
Profit |
104 |
107 |
-384 |
2 |
-436 |
-341 |
-635 |
441 |
|
Total (III+IV+V+VI) |
1880 |
2310 |
809 |
1131 |
285 |
361 |
1821 |
2347 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Bhagalpur |
||||||||||
Begusarai |
Banka |
|||||||||
Kshetriya |
Kshetriya |
Bhagirath |
Bhandara |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
Income |
||||||||||
I. |
Interest Earned |
194 |
263 |
237 |
375 |
2497 |
3116 |
285 |
396 |
|
a) |
Interest/discount on advances/bills |
53 |
57 |
85 |
150 |
355 |
433 |
151 |
202 |
|
b) |
Income on Investments |
38 |
195 |
147 |
212 |
2130 |
2674 |
37 |
70 |
|
c) |
Interest on balances with |
103 |
12 |
5 |
14 |
9 |
8 |
97 |
123 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
3 |
- |
- |
- |
|
II. |
Other income |
2 |
9 |
6 |
5 |
101 |
157 |
15 |
19 |
|
a) |
Commission, exchange and brokerage |
1 |
1 |
2 |
2 |
101 |
157 |
2 |
2 |
|
b) |
Other miscellaneous income |
2 |
8 |
4 |
2 |
- |
- |
12 |
16 |
|
Total (I+II) |
196 |
272 |
243 |
380 |
2598 |
3273 |
299 |
414 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
124 |
179 |
175 |
271 |
1247 |
1438 |
274 |
365 |
|
a) |
Interest on deposits |
117 |
170 |
167 |
244 |
1141 |
1300 |
252 |
333 |
|
b) |
Interest on RBI/inter-bank borrowings |
8 |
10 |
8 |
18 |
102 |
138 |
22 |
33 |
|
c) |
Others |
- |
- |
- |
10 |
4 |
- |
- |
- |
|
IV. |
Operating expenses |
72 |
78 |
97 |
94 |
654 |
681 |
234 |
206 |
|
a) |
Payments to and provisions for employees |
65 |
70 |
79 |
85 |
568 |
609 |
215 |
184 |
|
b) |
Rent, taxes and lighting |
3 |
3 |
4 |
- |
11 |
14 |
6 |
6 |
|
c) |
Printing and stationery |
1 |
1 |
2 |
- |
8 |
9 |
3 |
4 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
1 |
1 |
2 |
3 |
5 |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
- |
- |
1 |
1 |
- |
- |
|
h) |
Law charges |
- |
- |
- |
- |
- |
10 |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
- |
1 |
1 |
1 |
1 |
2 |
- |
1 |
|
j) |
Repairs and maintenance |
- |
- |
- |
- |
1 |
1 |
- |
1 |
|
k) |
Insurance |
1 |
1 |
- |
1 |
40 |
14 |
- |
- |
|
l) |
Other expenditure |
1 |
1 |
10 |
5 |
22 |
17 |
7 |
8 |
|
V. |
Provisions and contingencies |
156 |
- |
161 |
21 |
418 |
114 |
144 |
23 |
|
Total expenses* |
197 |
257 |
273 |
366 |
1901 |
2119 |
509 |
571 |
||
VI. |
Profit |
-157 |
15 |
-191 |
-7 |
280 |
1040 |
-353 |
-180 |
|
Total (III+IV+V+VI) |
196 |
272 |
243 |
380 |
2598 |
3273 |
299 |
414 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Bhilwara- |
||||||||||
Ajmer |
Bikaner |
|||||||||
Kshetriya |
Bhojpur Rohtas |
Bijapur |
Kshetriya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
Income |
||||||||||
I. |
Interest Earned |
756 |
990 |
2931 |
3672 |
2037 |
2279 |
94 |
197 |
|
a) |
Interest/discount on advances/bills |
446 |
577 |
403 |
570 |
1292 |
1394 |
40 |
137 |
|
b) |
Income on Investments |
89 |
168 |
1401 |
1752 |
213 |
266 |
53 |
60 |
|
c) |
Interest on balances with |
221 |
245 |
1127 |
1350 |
532 |
619 |
1 |
- |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
75 |
52 |
98 |
145 |
96 |
107 |
11 |
19 |
|
a) |
Commission, exchange and brokerage |
32 |
16 |
3 |
5 |
10 |
10 |
2 |
9 |
|
b) |
Other miscellaneous income |
42 |
36 |
95 |
141 |
86 |
97 |
9 |
10 |
|
Total (I+II) |
830 |
1043 |
3029 |
3817 |
2133 |
2386 |
104 |
216 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
546 |
662 |
1987 |
2409 |
1147 |
1285 |
108 |
156 |
|
a) |
Interest on deposits |
468 |
565 |
1924 |
2308 |
761 |
873 |
103 |
126 |
|
b) |
Interest on RBI/inter-bank borrowings |
78 |
97 |
63 |
101 |
72 |
84 |
- |
- |
|
c) |
Others |
- |
- |
- |
- |
314 |
328 |
5 |
29 |
|
IV. |
Operating expenses |
208 |
228 |
853 |
942 |
492 |
494 |
86 |
93 |
|
a) |
Payments to and provisions for employees |
175 |
189 |
773 |
863 |
444 |
419 |
68 |
78 |
|
b) |
Rent, taxes and lighting |
8 |
9 |
10 |
12 |
5 |
6 |
3 |
3 |
|
c) |
Printing and stationery |
4 |
5 |
12 |
10 |
8 |
8 |
2 |
1 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
4 |
4 |
6 |
6 |
4 |
10 |
1 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
2 |
1 |
1 |
- |
- |
|
h) |
Law charges |
- |
- |
1 |
2 |
- |
1 |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
3 |
4 |
6 |
4 |
5 |
1 |
1 |
|
j) |
Repairs and maintenance |
2 |
3 |
2 |
2 |
- |
- |
1 |
- |
|
k) |
Insurance |
3 |
4 |
17 |
17 |
- |
- |
4 |
1 |
|
l) |
Other expenditure |
9 |
9 |
24 |
23 |
26 |
44 |
6 |
7 |
|
V. |
Provisions and contingencies |
68 |
44 |
2506 |
- |
179 |
57 |
15 |
4 |
|
Total expenses* |
754 |
890 |
2839 |
3351 |
1639 |
1779 |
194 |
249 |
||
VI. |
Profit |
8 |
109 |
-2316 |
467 |
314 |
551 |
-104 |
-37 |
|
Total (III+IV+V+VI) |
830 |
1043 |
3029 |
3817 |
2133 |
2386 |
104 |
216 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Bilaspur Raipur |
Bolangir |
Bundelkhand |
||||||||
Kshetriya |
Anchalik |
Buldhana |
Kshetriya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
Income |
||||||||||
I. |
Interest Earned |
1211 |
1571 |
892 |
1052 |
281 |
362 |
1435 |
1982 |
|
a) |
Interest/discount on advances/bills |
408 |
455 |
392 |
498 |
200 |
258 |
84 |
279 |
|
b) |
Income on Investments |
168 |
298 |
118 |
113 |
9 |
15 |
125 |
144 |
|
c) |
Interest on balances with |
634 |
817 |
381 |
441 |
72 |
89 |
687 |
912 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
1 |
- |
- |
- |
- |
- |
538 |
647 |
|
II. |
Other income |
30 |
83 |
18 |
22 |
16 |
18 |
12 |
15 |
|
a) |
Commission, exchange and brokerage |
15 |
23 |
17 |
21 |
12 |
11 |
12 |
14 |
|
b) |
Other miscellaneous income |
15 |
61 |
- |
- |
4 |
7 |
- |
- |
|
Total (I+II) |
1240 |
1654 |
909 |
1073 |
296 |
380 |
1447 |
1996 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
1051 |
1277 |
1006 |
1159 |
175 |
210 |
1322 |
1622 |
|
a) |
Interest on deposits |
997 |
1205 |
807 |
946 |
125 |
150 |
744 |
927 |
|
b) |
Interest on RBI/inter-bank borrowings |
15 |
71 |
198 |
214 |
49 |
60 |
40 |
48 |
|
c) |
Others |
38 |
- |
- |
- |
- |
- |
538 |
647 |
|
IV. |
Operating expenses |
589 |
706 |
835 |
828 |
104 |
120 |
453 |
489 |
|
a) |
Payments to and provisions for employees |
517 |
635 |
758 |
775 |
69 |
77 |
411 |
449 |
|
b) |
Rent, taxes and lighting |
14 |
15 |
21 |
23 |
5 |
5 |
8 |
7 |
|
c) |
Printing and stationery |
10 |
9 |
13 |
10 |
3 |
3 |
5 |
4 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
2 |
3 |
4 |
2 |
3 |
2 |
1 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
1 |
- |
- |
1 |
1 |
|
h) |
Law charges |
1 |
- |
- |
- |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
4 |
5 |
4 |
5 |
2 |
1 |
2 |
2 |
|
j) |
Repairs and maintenance |
1 |
2 |
2 |
2 |
1 |
- |
1 |
1 |
|
k) |
Insurance |
7 |
8 |
6 |
6 |
1 |
1 |
3 |
4 |
|
l) |
Other expenditure |
34 |
29 |
26 |
1 |
22 |
28 |
20 |
20 |
|
V. |
Provisions and contingencies |
62 |
- |
677 |
192 |
24 |
25 |
637 |
3 |
|
Total expenses* |
1640 |
1982 |
1840 |
1987 |
278 |
330 |
1775 |
2111 |
||
VI. |
Profit |
-462 |
-328 |
-1608 |
-1106 |
-6 |
25 |
-964 |
-118 |
|
Total (III+IV+V+VI) |
1240 |
1654 |
909 |
1073 |
296 |
380 |
1447 |
1996 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |