Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 8 of 8) - ആർബിഐ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 8 of 8)
| | | | | | | | (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 | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (337) | (338) | (339) | (340) | (341) | (342) | (343) | (344) |
Income | ||||||||||
I. | Interest Earned | 402 | 503 | 4699 | 5555 | 1694 | 2095 | 2376 | 2966 | |
a) | Interest/discount on advances/bills | 314 | 341 | 3612 | 4122 | 462 | 511 | 1553 | 1854 | |
b) | Income on Investments | 81 | 97 | 579 | 662 | 532 | 609 | 811 | 1109 | |
c) | Interest on balances with | 6 | 8 | 501 | 768 | 700 | 975 | 12 | 3 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | 57 | 6 | 3 | - | - | - | - | |
II. | Other income | 72 | 33 | 337 | 447 | 237 | 128 | 246 | 132 | |
a) | Commission, exchange and brokerage | 5 | 3 | 332 | 423 | 71 | 87 | 31 | 43 | |
b) | Other miscellaneous income | 67 | 30 | 5 | 24 | 166 | 40 | 215 | 89 | |
Total(I+II) | 474 | 536 | 5035 | 6002 | 1931 | 2223 | 2622 | 3098 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 282 | 333 | 2193 | 2694 | 872 | 1011 | 1324 | 1567 | |
a) | Interest on deposits | 196 | 233 | 1307 | 1690 | 758 | 893 | 993 | 1194 | |
b) | Interest on RBI/inter-bank borrowings | 86 | 100 | 886 | 1004 | 114 | 118 | 328 | 373 | |
c) | Others | - | - | - | - | - | - | 3 | - | |
IV. | Operating expenses | 149 | 193 | 1950 | 2388 | 510 | 599 | 531 | 579 | |
a) | Payments to and provisions for employees | 126 | 160 | 1667 | 2064 | 460 | 539 | 427 | 473 | |
b) | Rent, taxes and lighting | 6 | 10 | 52 | 56 | 10 | 12 | 12 | 14 | |
c) | Printing and stationery | 3 | 4 | 24 | 23 | 5 | 6 | 9 | 9 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 3 | 3 | 8 | 9 | 6 | 7 | 10 | 10 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 2 | 2 | 1 | 1 | 1 | 1 | |
h) | Law charges | - | - | 1 | 3 | 1 | - | - | - | |
i) | Postage, telegrams, telephones, etc. | - | - | 35 | 42 | 3 | 3 | 9 | 10 | |
j) | Repairs and maintenance | - | 1 | 4 | 5 | 1 | 1 | - | - | |
k) | Insurance | 1 | 1 | 13 | 16 | 8 | 9 | 2 | 3 | |
l) | Other expenditure | 8 | 15 | 144 | 167 | 17 | 18 | 61 | 59 | |
V. | Provisions and contingencies | 4 | 8 | 3 | 10 | - | - | 25 | 15 | |
Total expenses* | 431 | 526 | 4144 | 5082 | 1382 | 1610 | 1855 | 2147 | ||
VI. | Profit | 38 | 2 | 888 | 910 | 548 | 612 | 742 | 936 | |
Total (III+IV+V+VI) | 474 | 536 | 5035 | 6002 | 1931 | 2223 | 2622 | 3098 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Sriganganagar | ||||||||||
Sri Saraswathi | Sri Visakha | Kshetriya | Srirama | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (345) | (346) | (347) | (348) | (349) | (350) | (351) | (352) |
Income | ||||||||||
I. | Interest Earned | 1892 | 2315 | 3551 | 4304 | 529 | 713 | 682 | 881 | |
a) | Interest/discount on advances/bills | 762 | 903 | 1679 | 1870 | 265 | 353 | 337 | 408 | |
b) | Income on Investments | 1102 | 1388 | 1869 | 2404 | 115 | 134 | 132 | 168 | |
c) | Interest on balances with | 29 | 24 | 3 | 30 | 149 | 212 | - | - | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | 14 | 213 | 306 | |
II. | Other income | 40 | 310 | 138 | 120 | 44 | 46 | 29 | 40 | |
a) | Commission, exchange and brokerage | 30 | 55 | 57 | 104 | 6 | 6 | 15 | 26 | |
b) | Other miscellaneous income | 9 | 256 | 80 | 16 | 39 | 40 | 14 | 14 | |
Total(I+II) | 1932 | 2625 | 3688 | 4424 | 573 | 759 | 712 | 921 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 1273 | 1488 | 2481 | 3043 | 431 | 558 | 414 | 515 | |
a) | Interest on deposits | 1105 | 1325 | 2158 | 2655 | 384 | 485 | 319 | 418 | |
b) | Interest on RBI/inter-bank borrowings | 149 | - | 323 | 388 | 47 | 73 | 95 | 97 | |
c) | Others | 19 | 163 | - | - | - | - | - | - | |
IV. | Operating expenses | 431 | 446 | 1001 | 1158 | 180 | 198 | 188 | 152 | |
a) | Payments to and provisions for employees | 324 | 370 | 905 | 1040 | 156 | 171 | 116 | 130 | |
b) | Rent, taxes and lighting | 13 | 16 | 36 | 37 | 5 | 6 | 5 | 7 | |
c) | Printing and stationery | 9 | 10 | 20 | 20 | 2 | 2 | 5 | 4 | |
d) | Advertisement and publicity | - | - | 1 | 2 | - | - | - | - | |
e) | Depreciation on Bank's property | 5 | 7 | 3 | 3 | 2 | 1 | 3 | 3 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | 2 | 3 | - | - | - | - | |
h) | Law charges | - | - | - | - | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 3 | 4 | 12 | 13 | 1 | 1 | - | 1 | |
j) | Repairs and maintenance | - | 1 | 2 | 2 | - | - | 1 | 1 | |
k) | Insurance | 48 | 10 | 13 | 33 | 3 | 4 | 56 | 5 | |
l) | Other expenditure | 28 | 28 | 7 | 5 | 11 | 12 | 2 | 3 | |
V. | Provisions and contingencies | 61 | 153 | 201 | 72 | - | - | - | 25 | |
Total expenses* | 1704 | 1934 | 3481 | 4201 | 611 | 756 | 602 | 668 | ||
VI. | Profit | 167 | 538 | 6 | 150 | - 38 | 3 | 110 | 229 | |
Total (III+IV+V+VI) | 1932 | 2625 | 3688 | 4424 | 573 | 759 | 712 | 921 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Subansiri | Sultanpur | Surendranagar | ||||||||
Gaonlia | Kshetriya | Surat-Bharuch | Bhav nagar | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (353) | (354) | (355) | (356) | (357) | (358) | (359) | (360) |
Income | ||||||||||
I. | Interest Earned | 464 | 596 | 2541 | 2954 | 852 | 994 | 597 | 822 | |
a) | Interest/discount on advances/bills | 64 | 71 | 711 | 827 | 468 | 556 | 311 | 403 | |
b) | Income on Investments | 113 | 181 | 1696 | 2030 | 118 | 166 | 65 | 100 | |
c) | Interest on balances with | 288 | 344 | 134 | 88 | 266 | 272 | 220 | 318 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | 9 | - | - | - | - | |
II. | Other income | 96 | 174 | 41 | 39 | 33 | 38 | 53 | 91 | |
a) | Commission, exchange and brokerage | 6 | 7 | 39 | 36 | 8 | 10 | 32 | 39 | |
b) | Other miscellaneous income | 91 | 167 | 2 | 2 | 25 | 28 | 21 | 52 | |
Total(I+II) | 561 | 770 | 2582 | 2993 | 886 | 1032 | 650 | 912 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 262 | 332 | 1700 | 1924 | 486 | 625 | 400 | 538 | |
a) | Interest on deposits | 255 | 320 | 1518 | 1761 | 378 | 494 | 332 | 451 | |
b) | Interest on RBI/inter-bank borrowings | 7 | 12 | 181 | 163 | 105 | 125 | 11 | 11 | |
c) | Others | - | - | - | - | 3 | 6 | 57 | 77 | |
IV. | Operating expenses | 233 | 261 | 670 | 780 | 185 | 219 | 176 | 212 | |
a) | Payments to and provisions for employees | 193 | 210 | 591 | 697 | 152 | 176 | 151 | 177 | |
b) | Rent, taxes and lighting | 6 | 7 | 13 | 14 | 6 | 8 | 7 | 10 | |
c) | Printing and stationery | 3 | 4 | 6 | - | 5 | 4 | 3 | 4 | |
d) | Advertisement and publicity | - | - | - | 6 | - | - | - | - | |
e) | Depreciation on Bank's property | 1 | 1 | 4 | 4 | 4 | 6 | 5 | 7 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 2 | 1 | - | - | - | |
h) | Law charges | - | - | 1 | 1 | - | - | 1 | 1 | |
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 2 | 2 | 1 | 3 | 2 | 2 | |
j) | Repairs and maintenance | - | 1 | 1 | 1 | - | - | - | 1 | |
k) | Insurance | 1 | 1 | 9 | 16 | 3 | 3 | 1 | 2 | |
l) | Other expenditure | 27 | 34 | 42 | 37 | 13 | 18 | 6 | 8 | |
V. | Provisions and contingencies | - | - | 134 | 17 | 7 | 17 | 9 | 9 | |
Total expenses* | 496 | 593 | 2370 | 2705 | 671 | 846 | 576 | 749 | ||
VI. | Profit | 65 | 177 | 78 | 271 | 207 | 171 | 65 | 153 | |
Total (III+IV+V+VI) | 561 | 770 | 2582 | 2993 | 886 | 1032 | 650 | 912 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Surguja | ||||||||||
Kshetriya | Thane | Thar Anchalik | Tripura | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (361) | (362) | (363) | (364) | (365) | (366) | (367) | (368) |
Income | ||||||||||
I. | Interest Earned | 873 | 1210 | 451 | 568 | 533 | 698 | 1185 | 1563 | |
a) | Interest/discount on advances/bills | 170 | 227 | 44 | 41 | 249 | 270 | 148 | 243 | |
b) | Income on Investments | 10 | 20 | 265 | 345 | 109 | 261 | 509 | 755 | |
c) | Interest on balances with | 693 | 963 | 141 | 177 | 174 | 165 | 529 | 565 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | 2 | 5 | - | 1 | - | - | |
II. | Other income | 20 | 27 | 11 | 14 | 107 | 69 | 38 | 88 | |
a) | Commission, exchange and brokerage | 17 | 22 | 6 | 8 | 10 | 15 | 38 | 87 | |
b) | Other miscellaneous income | 2 | 5 | 5 | 7 | 97 | 53 | - | 1 | |
Total(I+II) | 893 | 1237 | 462 | 582 | 640 | 766 | 1223 | 1651 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 786 | 1015 | 224 | 287 | 455 | 575 | 1388 | 1757 | |
a) | Interest on deposits | 757 | 977 | 213 | 278 | 409 | 521 | 1232 | 1567 | |
b) | Interest on RBI/inter-bank borrowings | 28 | - | 11 | 9 | 46 | 53 | 156 | 190 | |
c) | Others | - | 38 | - | - | 1 | 1 | - | - | |
IV. | Operating expenses | 391 | 451 | 102 | 131 | 288 | 342 | 1014 | 322 | |
a) | Payments to and provisions for employees | 352 | 411 | 81 | 109 | 259 | 304 | 948 | 875 | |
b) | Rent, taxes and lighting | 7 | 8 | 3 | 4 | 5 | 7 | 22 | 23 | |
c) | Printing and stationery | 4 | 3 | 3 | 3 | 3 | 5 | 7 | 9 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 3 | 4 | 4 | 3 | 2 | 3 | 3 | 3 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | - | - | 1 | 1 | 1 | 1 | |
h) | Law charges | 1 | - | - | - | - | - | 3 | 1 | |
i) | Postage, telegrams, telephones, etc. | 2 | 1 | 1 | 1 | 2 | 3 | 3 | 3 | |
j) | Repairs and maintenance | 3 | 2 | 3 | 4 | - | - | 2 | 2 | |
k) | Insurance | 6 | 7 | 2 | 1 | 3 | 4 | 9 | 10 | |
l) | Other expenditure | 13 | 14 | 5 | 6 | 13 | 16 | 14 | - 605 | |
V. | Provisions and contingencies | 76 | 24 | 12 | 28 | - | 35 | 120 | - 310 | |
Total expenses* | 1177 | 1465 | 326 | 418 | 744 | 917 | 2401 | 2079 | ||
VI. | Profit | - 360 | -252 | 124 | 136 | -104 | -185 | -1298 | -738 | |
Total (III+IV+V+VI) | 893 | 1237 | 462 | 582 | 640 | 766 | 1223 | 1651 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Uttar Banga | Vaishali | |||||||||
Tulsi | Tungabhadra | Kshetriya | Kshetriya | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (369) | (370) | (371) | (372) | (373) | (374) | (375) | (376) |
Income | ||||||||||
I. | Interest Earned | 1055 | 1489 | 4696 | 5259 | 1361 | 1852 | 1692 | 2400 | |
a) | Interest/discount on advances/bills | 402 | 539 | 2907 | 3345 | 442 | 519 | 331 | 574 | |
b) | Income on Investments | 647 | 939 | 1260 | 985 | 281 | 427 | 4 | 3 | |
c) | Interest on balances with | 6 | 11 | 5 | 928 | 635 | 859 | 1357 | 1823 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | 523 | - | 2 | 47 | - | - | |
II. | Other income | 274 | 131 | 351 | 385 | 144 | 181 | 18 | 130 | |
a) | Commission, exchange and brokerage | 274 | 130 | 67 | 89 | 15 | 21 | 18 | 22 | |
b) | Other miscellaneous income | 1 | 1 | 284 | 297 | 128 | 159 | - | 108 | |
Total(I+II) | 1329 | 1620 | 5047 | 5644 | 1504 | 2033 | 1710 | 2530 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 696 | 877 | 2434 | 2750 | 1149 | 1449 | 1635 | 2055 | |
a) | Interest on deposits | 635 | 783 | 1662 | 2021 | 1079 | 1372 | 1585 | 1995 | |
b) | Interest on RBI/inter-bank borrowings | 62 | 94 | 771 | 729 | 70 | 77 | 50 | 60 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 439 | 529 | 1226 | 1399 | 820 | 950 | 976 | 1114 | |
a) | Payments to and provisions for employees | 402 | 488 | 1076 | 1238 | 654 | 759 | 896 | 1054 | |
b) | Rent, taxes and lighting | 7 | 8 | 24 | 27 | 15 | 17 | 13 | 13 | |
c) | Printing and stationery | 7 | 8 | 17 | 17 | 5 | 5 | 6 | 6 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 4 | 5 | 12 | 13 | 5 | 6 | 4 | 4 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | 1 | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | 3 | 2 | 1 | - | 2 | 1 | |
h) | Law charges | 1 | 1 | 2 | 3 | 1 | 2 | - | - | |
i) | Postage, telegrams, telephones, etc. | 3 | 4 | 17 | 20 | 3 | 4 | 2 | 2 | |
j) | Repairs and maintenance | 1 | 1 | 3 | 4 | - | 1 | - | - | |
k) | Insurance | 7 | 9 | 12 | 13 | 11 | 11 | 35 | 13 | |
l) | Other expenditure | 7 | 4 | 59 | 62 | 124 | 145 | 18 | 20 | |
V. | Provisions and contingencies | 0 | 70 | 263 | 295 | 131 | 172 | 62 | 8 | |
Total expenses* | 1136 | 1407 | 3660 | 4149 | 1969 | 2399 | 2611 | 3170 | ||
VI. | Profit | 194 | 144 | 1125 | 1200 | - 596 | - 539 | - 963 | - 648 | |
Total (III+IV+V+VI) | 1329 | 1621 | 5047 | 5644 | 1504 | 2033 | 1710 | 2530 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Valsad-Dangs | Vidisha Bhopal | |||||||||
Vallalar | Kshetriya | Varada | Kshetriya | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (377) | (378) | (379) | (380) | (381) | (382) | (383) | (384) |
Income | ||||||||||
I. | Interest Earned | 577 | 562 | 712 | 967 | 737 | 758 | 415 | 619 | |
a) | Interest/discount on advances/bills | 350 | 306 | 240 | 313 | 525 | 521 | 228 | 321 | |
b) | Income on Investments | 14 | 40 | 242 | 291 | 199 | 234 | 45 | 77 | |
c) | Interest on balances with | 213 | 216 | 230 | 363 | 13 | 2 | 142 | 170 | |
RBI and other inter-bank funds | ||||||||||
d ) | Others | - | - | - | - | - | - | - | 51 | |
II. | Other income | 22 | 27 | 34 | 27 | 37 | 36 | 18 | 25 | |
a) | Commission, exchange and brokerage | 7 | 7 | 22 | 16 | 4 | 5 | 15 | 22 | |
b) | Other miscellaneous income | 15 | 20 | 12 | 11 | 34 | 30 | 2 | 2 | |
Total(I+II) | 599 | 590 | 746 | 995 | 775 | 793 | 433 | 644 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 235 | 228 | 392 | 528 | 519 | 472 | 307 | 421 | |
a) | Interest on deposits | 169 | 170 | 324 | 460 | 314 | 335 | 278 | 389 | |
b) | Interest on RBI/inter-bank borrowings | 17 | 11 | 68 | 68 | 205 | 137 | - | - | |
c) | Others | 50 | 46 | - | - | - | - | 29 | 33 | |
IV. | Operating expenses | 105 | 118 | 168 | 198 | 156 | 197 | 120 | 122 | |
a) | Payments to and provisions for employees | 89 | 94 | 138 | 165 | 131 | 160 | 68 | 81 | |
b) | Rent, taxes and lighting | 3 | 4 | 7 | 8 | 5 | 7 | 6 | 10 | |
c) | Printing and stationery | 2 | 2 | 3 | 3 | 2 | 3 | 4 | 7 | |
d) | Advertisement and publicity | - | - | - | - | - | 1 | - | - | |
e) | Depreciation on Bank's property | 2 | 3 | 4 | 4 | 5 | 8 | 2 | 3 | |
f) | Directors' fees, allowances and expenses | 1 | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | - | - | - | - | - | |
h) | Law charges | - | - | - | - | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 2 | 3 | 2 | 3 | 2 | 4 | 2 | 3 | |
j) | Repairs and maintenance | 1 | 1 | - | - | - | 1 | - | - | |
k) | Insurance | 3 | 3 | 1 | - | - | - | 24 | 3 | |
l) | Other expenditure | 3 | 9 | 12 | 15 | 10 | 13 | 13 | 15 | |
V. | Provisions and contingencies | 33 | 16 | 20 | 37 | - | - | 5 | 15 | |
Total expenses* | 340 | 346 | 560 | 727 | 675 | 670 | 427 | 543 | ||
VI. | Profit | 225 | 228 | 166 | 231 | 100 | 123 | 1 | 86 | |
Total (III+IV+V+VI) | 599 | 590 | 746 | 995 | 775 | 793 | 433 | 644 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Vidur | Vindhyavasini | Visweshwaraya | Yavatmal | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (385) | (386) | (387) | (388) | (389) | (390) | (391) | (392) |
Income | ||||||||||
I. | Interest Earned | 618 | 916 | 766 | 869 | 303 | 423 | 390 | 466 | |
a) | Interest/discount on advances/bills | 190 | 174 | 202 | 222 | 196 | 248 | 162 | 180 | |
b) | Income on Investments | 135 | 191 | 263 | 291 | 26 | 30 | 68 | 84 | |
c) | Interest on balances with | 293 | 549 | 300 | 357 | 81 | 144 | 160 | 202 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 1 | 1 | - | - | - | - | - | - | |
II. | Other income | 18 | 25 | 64 | 48 | 32 | 37 | 41 | 30 | |
a) | Commission, exchange and brokerage | 10 | 18 | 64 | 46 | 6 | 8 | 22 | 21 | |
b) | Other miscellaneous income | 8 | 7 | - | 2 | 26 | 29 | 19 | 9 | |
Total(I+II) | 637 | 941 | 830 | 917 | 335 | 459 | 431 | 496 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 337 | 419 | 528 | 587 | 186 | 266 | 211 | 238 | |
a) | Interest on deposits | 286 | 358 | 459 | 528 | 154 | 229 | 166 | 205 | |
b) | Interest on RBI/inter-bank borrowings | 48 | 49 | 68 | 59 | 8 | 7 | - | - | |
c) | Others | 3 | 12 | - | - | 25 | 31 | 46 | 34 | |
IV. | Operating expenses | 211 | 368 | 225 | 240 | 128 | 137 | 108 | 125 | |
a) | Payments to and provisions for employees | 190 | 344 | 195 | 209 | 111 | 118 | 91 | 107 | |
b) | Rent, taxes and lighting | 4 | 4 | 5 | 7 | 5 | 5 | 3 | 4 | |
c) | Printing and stationery | 4 | 3 | 3 | 4 | 3 | 3 | 1 | 2 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 2 | 2 | 3 | 3 | 2 | 2 | 2 | 2 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 1 | 1 | - | - | - | |
h) | Law charges | 1 | - | 5 | 2 | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | |
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | - | - | - | - | |
k) | Insurance | - | - | 3 | 3 | - | 1 | 1 | 2 | |
l) | Other expenditure | 8 | 11 | 9 | 9 | 5 | 6 | 8 | 7 | |
V. | Provisions and contingencies | - | - | - | 4 | - | 3 | 13 | 14 | |
Total expenses* | 548 | 787 | 753 | 827 | 314 | 403 | 319 | 363 | ||
VI. | Profit | 88 | 154 | 77 | 86 | 20 | 53 | 99 | 119 | |
Total (III+IV+V+VI) | 637 | 941 | 830 | 917 | 335 | 459 | 431 | 496 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |