Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 3 of 13) - ആർബിഐ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 3 of 13)
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Bundi-Chittor |
||||||||||
Kshetriya |
Cachar |
Cauvery |
Chaitanya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(65) |
(66) |
(67) |
(68) |
(69) |
(70) |
(71) |
(72) |
Income |
||||||||||
I. |
Interest Earned |
560 |
951 |
206 |
458 |
1625 |
2017 |
827 |
987 |
|
a) |
Interest/discount on advances/bills |
352 |
434 |
46 |
84 |
962 |
1252 |
499 |
649 |
|
b) |
Income on Investments |
5 |
10 |
99 |
374 |
218 |
314 |
86 |
88 |
|
c) |
Interest on balances with |
- |
- |
1 |
- |
444 |
451 |
241 |
250 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
203 |
507 |
60 |
- |
- |
- |
- |
- |
|
II. |
Other income |
23 |
32 |
19 |
20 |
119 |
137 |
48 |
107 |
|
a) |
Commission, exchange and brokerage |
4 |
5 |
11 |
8 |
106 |
124 |
17 |
20 |
|
b) |
Other miscellaneous income |
19 |
27 |
9 |
12 |
13 |
13 |
32 |
87 |
|
Total (I+II) |
583 |
983 |
226 |
479 |
1744 |
2153 |
875 |
1094 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
533 |
605 |
224 |
346 |
1078 |
1236 |
578 |
640 |
|
a) |
Interest on deposits |
412 |
490 |
208 |
319 |
844 |
990 |
433 |
506 |
|
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
16 |
27 |
234 |
246 |
36 |
32 |
|
c) |
Others |
121 |
115 |
- |
- |
- |
- |
109 |
103 |
|
IV. |
Operating expenses |
295 |
307 |
286 |
258 |
748 |
637 |
260 |
282 |
|
a) |
Payments to and provisions for employees |
262 |
276 |
145 |
176 |
643 |
541 |
228 |
244 |
|
b) |
Rent, taxes and lighting |
6 |
7 |
6 |
6 |
12 |
14 |
8 |
10 |
|
c) |
Printing and stationery |
4 |
4 |
3 |
3 |
8 |
8 |
5 |
5 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
3 |
3 |
2 |
2 |
3 |
- |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
2 |
2 |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
- |
1 |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
1 |
5 |
6 |
4 |
4 |
|
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
2 |
|
k) |
Insurance |
2 |
4 |
- |
1 |
14 |
4 |
4 |
5 |
|
l) |
Other expenditure |
13 |
10 |
128 |
68 |
59 |
60 |
6 |
9 |
|
V. |
Provisions and contingencies |
168 |
30 |
- |
- |
581 |
24 |
57 |
- |
|
Total expenses* |
827 |
912 |
510 |
604 |
1826 |
1873 |
838 |
923 |
||
VI. |
Profit |
-412 |
40 |
-284 |
-125 |
-663 |
256 |
-20 |
171 |
|
Total (III+IV+V+VI) |
583 |
983 |
226 |
479 |
1744 |
2153 |
875 |
1094 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Chambal |
Champaran |
Chandrapur |
||||||||
Kshetriya |
kshetriya |
Gadchiroli |
Chhatrasal |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(73) |
(74) |
(75) |
(76) |
(77) |
(78) |
(79) |
(80) |
Income |
||||||||||
I. |
Interest Earned |
195 |
399 |
673 |
793 |
287 |
560 |
864 |
1137 |
|
a) |
Interest/discount on advances/bills |
68 |
175 |
183 |
209 |
120 |
221 |
212 |
248 |
|
b) |
Income on Investments |
- |
8 |
- |
15 |
107 |
176 |
235 |
286 |
|
c) |
Interest on balances with |
127 |
216 |
490 |
569 |
60 |
162 |
417 |
602 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
26 |
64 |
12 |
10 |
4 |
9 |
41 |
46 |
|
a) |
Commission, exchange and brokerage |
2 |
3 |
4 |
4 |
4 |
8 |
41 |
46 |
|
b) |
Other miscellaneous income |
24 |
61 |
8 |
6 |
- |
- |
- |
- |
|
Total (I+II) |
221 |
463 |
684 |
803 |
291 |
568 |
905 |
1183 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
225 |
368 |
815 |
963 |
255 |
472 |
519 |
627 |
|
a) |
Interest on deposits |
218 |
355 |
789 |
933 |
237 |
440 |
461 |
566 |
|
b) |
Interest on RBI/inter-bank borrowings |
6 |
13 |
- |
- |
3 |
1 |
- |
61 |
|
c) |
Others |
1 |
- |
26 |
30 |
15 |
30 |
58 |
- |
|
IV. |
Operating expenses |
155 |
182 |
600 |
686 |
195 |
264 |
409 |
404 |
|
a) |
Payments to and provisions for employees |
129 |
153 |
561 |
653 |
177 |
228 |
378 |
372 |
|
b) |
Rent, taxes and lighting |
5 |
5 |
10 |
10 |
4 |
7 |
7 |
8 |
|
c) |
Printing and stationery |
2 |
3 |
3 |
4 |
4 |
2 |
4 |
4 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
3 |
2 |
2 |
1 |
2 |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
- |
1 |
|
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
1 |
1 |
2 |
3 |
|
j) |
Repairs and maintenance |
- |
- |
- |
- |
1 |
1 |
1 |
1 |
|
k) |
Insurance |
7 |
3 |
12 |
6 |
1 |
1 |
6 |
5 |
|
l) |
Other expenditure |
8 |
12 |
9 |
8 |
5 |
21 |
6 |
7 |
|
V. |
Provisions and contingencies |
5 |
1 |
136 |
17 |
39 |
21 |
144 |
39 |
|
Total expenses* |
381 |
550 |
1415 |
1649 |
450 |
736 |
928 |
1030 |
||
VI. |
Profit |
-165 |
-88 |
-867 |
-863 |
-198 |
-189 |
-167 |
114 |
|
Total (III+IV+V+VI) |
221 |
463 |
684 |
803 |
291 |
568 |
905 |
1183 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Chhindwara |
||||||||||
Seoni |
Chikmagalur |
|||||||||
Kshetriya |
Kodagu |
Chitradurga |
Cuttack |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(81) |
(82) |
(83) |
(84) |
(85) |
(86) |
(87) |
(88) |
Income |
||||||||||
I. |
Interest Earned |
361 |
505 |
782 |
915 |
1056 |
1513 |
1484 |
1789 |
|
a) |
Interest/discount on advances/bills |
163 |
251 |
531 |
651 |
628 |
958 |
492 |
539 |
|
b) |
Income on Investments |
188 |
242 |
46 |
78 |
63 |
225 |
147 |
329 |
|
c) |
Interest on balances with |
10 |
12 |
205 |
187 |
366 |
329 |
845 |
922 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
33 |
38 |
38 |
44 |
55 |
66 |
151 |
87 |
|
a) |
Commission, exchange and brokerage |
27 |
33 |
7 |
8 |
10 |
12 |
13 |
10 |
|
b) |
Other miscellaneous income |
6 |
5 |
31 |
36 |
46 |
55 |
138 |
76 |
|
Total (I+II) |
394 |
543 |
819 |
959 |
1111 |
1579 |
1635 |
1876 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
368 |
479 |
453 |
477 |
694 |
862 |
1352 |
1606 |
|
a) |
Interest on deposits |
361 |
468 |
301 |
356 |
500 |
632 |
1208 |
1440 |
|
b) |
Interest on RBI/inter-bank borrowings |
7 |
11 |
153 |
121 |
- |
229 |
143 |
142 |
|
c) |
Others |
- |
- |
- |
- |
193 |
- |
- |
25 |
|
IV. |
Operating expenses |
257 |
308 |
224 |
231 |
435 |
492 |
864 |
832 |
|
a) |
Payments to and provisions for employees |
208 |
251 |
207 |
209 |
384 |
432 |
680 |
739 |
|
b) |
Rent, taxes and lighting |
8 |
8 |
4 |
5 |
9 |
11 |
20 |
21 |
|
c) |
Printing and stationery |
5 |
5 |
4 |
5 |
5 |
7 |
13 |
8 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
2 |
2 |
3 |
2 |
4 |
2 |
3 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
1 |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
1 |
2 |
2 |
|
h) |
Law charges |
- |
1 |
- |
- |
- |
- |
- |
1 |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
1 |
2 |
4 |
6 |
6 |
8 |
|
j) |
Repairs and maintenance |
- |
- |
1 |
1 |
2 |
2 |
1 |
1 |
|
k) |
Insurance |
- |
1 |
2 |
2 |
4 |
4 |
103 |
17 |
|
l) |
Other expenditure |
31 |
38 |
2 |
4 |
22 |
23 |
36 |
33 |
|
V. |
Provisions and contingencies |
- |
1 |
60 |
14 |
430 |
2 |
2106 |
174 |
|
Total expenses* |
625 |
787 |
678 |
708 |
1128 |
1354 |
2216 |
2438 |
||
VI. |
Profit |
-231 |
-245 |
81 |
236 |
-447 |
223 |
-2686 |
-736 |
|
Total (III+IV+V+VI) |
394 |
543 |
819 |
959 |
1111 |
1579 |
1635 |
1876 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Dewas |
||||||||||
Damoh Panna |
Devipatan |
Shajapur |
Dhenkanal |
|||||||
Sagar |
Kshetriya |
Kshetriya |
||||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramya Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
(89) |
(90) |
(91) |
(92) |
(93) |
(94) |
(95) |
(96) |
|
Income |
||||||||||
I. |
Interest Earned |
465 |
733 |
1209 |
1578 |
553 |
741 |
758 |
1101 |
|
a) |
Interest/discount on advances/bills |
103 |
154 |
218 |
295 |
198 |
271 |
379 |
610 |
|
b) |
Income on Investments |
- |
- |
455 |
584 |
194 |
247 |
223 |
312 |
|
c) |
Interest on balances with |
- |
- |
536 |
700 |
159 |
223 |
157 |
179 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
363 |
579 |
- |
- |
1 |
- |
- |
- |
|
II. |
Other income |
17 |
22 |
66 |
37 |
32 |
35 |
9 |
16 |
|
a) |
Commission, exchange and brokerage |
10 |
14 |
10 |
12 |
4 |
6 |
5 |
6 |
|
b) |
Other miscellaneous income |
7 |
8 |
56 |
26 |
28 |
29 |
4 |
11 |
|
Total (I+II) |
482 |
755 |
1275 |
1616 |
585 |
777 |
767 |
1117 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
517 |
631 |
625 |
823 |
464 |
541 |
556 |
740 |
|
a) |
Interest on deposits |
482 |
588 |
570 |
748 |
436 |
498 |
440 |
589 |
|
b) |
Interest on RBI/inter-bank borrowings |
33 |
40 |
54 |
75 |
28 |
43 |
116 |
151 |
|
c) |
Others |
2 |
3 |
- |
- |
- |
- |
- |
- |
|
IV. |
Operating expenses |
295 |
351 |
454 |
444 |
252 |
298 |
286 |
248 |
|
a) |
Payments to and provisions for employees |
262 |
318 |
396 |
402 |
224 |
264 |
258 |
213 |
|
b) |
Rent, taxes and lighting |
7 |
7 |
7 |
9 |
8 |
8 |
5 |
6 |
|
c) |
Printing and stationery |
4 |
4 |
5 |
6 |
2 |
4 |
6 |
6 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
2 |
2 |
2 |
2 |
2 |
2 |
3 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
- |
1 |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
2 |
2 |
2 |
2 |
4 |
|
j) |
Repairs and maintenance |
- |
- |
1 |
1 |
1 |
1 |
- |
- |
|
k) |
Insurance |
5 |
4 |
10 |
8 |
2 |
4 |
1 |
1 |
|
l) |
Other expenditure |
13 |
13 |
30 |
14 |
11 |
13 |
11 |
14 |
|
V. |
Provisions and contingencies |
202 |
- |
478 |
56 |
147 |
10 |
90 |
115 |
|
Total expenses* |
812 |
982 |
1078 |
1268 |
716 |
839 |
842 |
988 |
||
VI. |
Profit |
-532 |
-226 |
-281 |
292 |
-279 |
-73 |
-165 |
14 |
|
Total (III+IV+V+VI) |
482 |
755 |
1275 |
1616 |
585 |
777 |
767 |
1117 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |