Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 19 of 26) - आरबीआय - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 19 of 26)
REGIONAL RURAL BANKS |
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| (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Manipur | Manjira | Marathwada | Marudhar Kshetriya | |||||||||||
Rural Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (217) | (218) | | (219) | (220) | | (221) | (222) | | (223) | (224) |
Income | ||||||||||||||
I. | Interest earned | 99 | 137 | 907 | 1233 | 1860 | 2640 | 156 | 251 | |||||
a) | Interest/discount on advances/bills | 25 | 29 | 580 | 824 | 778 | 959 | 69 | 121 | |||||
b) | Income on investments | - | 11 | 126 | 186 | 1058 | 1662 | - | 4 | |||||
c) | Interest on balances with RBI and other | 75 | 97 | 201 | 223 | 24 | 19 | - | - | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | 87 | 126 | |||||
II. | Other income | 5 | 5 | 151 | 143 | 146 | 126 | 17 | 14 | |||||
a) | Commission, exchange, brokerage, etc. | 1 | 1 | 15 | 15 | 137 | 110 | 1 | 2 | |||||
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 | - | - | - | 2 | - | - | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 4 | 4 | | 136 | 126 | | 9 | 15 | | 15 | 12 | ||
| Total (I+II) | | 104 | 142 | | 1058 | 1376 | | 2006 | 2766 | | 173 | 265 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 97 | 91 | 688 | 909 | 1311 | 1765 | 256 | 386 | |||||
a) | Interest on deposits | 42 | 62 | 461 | 665 | 1030 | 1405 | 238 | 363 | |||||
b) | Interest on RBI/inter-bank borrowings | 54 | 29 | 227 | 244 | 281 | 360 | - | - | |||||
c) | Others | - | - | - | - | - | - | 19 | 23 | |||||
IV. | Operating expenses | 111 | 384 | 387 | 484 | 1042 | 1133 | 237 | 281 | |||||
a) | Payments to and provisions for employees | 102 | 111 | 330 | 327 | 878 | 986 | 211 | 243 | |||||
b) | Rent, taxes and lighting | 4 | 4 | 7 | 9 | 24 | 26 | 4 | 5 | |||||
c) | Printing and stationery | 2 | 2 | 9 | 5 | 13 | 16 | 4 | 4 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 1 | 5 | 6 | 5 | 6 | 2 | 1 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | - | - | 1 | 1 | 2 | 3 | - | - | |||||
h) | Law charges | - | - | - | - | 1 | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | - | - | 3 | 3 | 7 | 8 | 1 | 1 | |||||
j) | Repairs and maintenance | - | - | 1 | 1 | - | - | - | - | |||||
k) | Insurance | 1 | 1 | 13 | 5 | 51 | 11 | 1 | 3 | |||||
l) | Other expenditure | 1 | 264 | 18 | 126 | 62 | 77 | 13 | 24 | |||||
V. | Provisions and contingencies | - | - | 360 | 460 | - | 59 | 34 | 49 | |||||
Total expenses | 208 | 475 | 1436 | 1853 | 2353 | 2956 | 527 | 716 | ||||||
VI. | Profit (loss) | (103) | (333) | | (377) | (477) | | (347) | (191) | | (354) | (452) | ||
Total (III+IV+V+VI) | | 104 | 142 | | 1058 | 1376 | | 2006 | 2766 | | 173 | 265 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Marwar | Mayurakshi | Mewar Anchalik | Mithila Kshetriya | |||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (225) | (226) | | (227) | (228) | | (229) | (230) | | (231) | (232) |
Income | ||||||||||||||
I. | Interest earned | 1887 | 2657 | 683 | 1037 | 409 | 728 | 253 | 414 | |||||
a) | Interest/discount on advances/bills | 488 | 713 | 245 | 343 | 118 | 206 | 74 | 109 | |||||
b) | Income on investments | 679 | 997 | - | - | 98 | 152 | - | - | |||||
c) | Interest on balances with RBI and other | 718 | 946 | 283 | 448 | 17 | 3 | 179 | 303 | |||||
inter-bank funds | ||||||||||||||
d) | Others | 1 | - | 155 | 247 | 176 | 367 | - | 1 | |||||
II. | Other income | 89 | 54 | 62 | 95 | 47 | 46 | 7 | 11 | |||||
a) | Commission, exchange, brokerage, etc. | 75 | 52 | 53 | 88 | 5 | 7 | 5 | 7 | |||||
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 | 14 | 2 | | 8 | 8 | | 42 | 39 | | 1 | 4 | ||
| Total (I+II) | | 1976 | 2711 | | 745 | 1133 | | 457 | 775 | | 259 | 425 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 1375 | 1961 | 631 | 1076 | 370 | 618 | 347 | 498 | |||||
a) | Interest on deposits | 1292 | 1854 | 570 | 1005 | 337 | 577 | 304 | 465 | |||||
b) | Interest on RBI/inter-bank borrowings | 83 | 108 | 61 | 71 | 33 | 41 | 43 | 32 | |||||
c) | Others | - | - | - | - | - | - | - | - | |||||
IV. | Operating expenses | 595 | 653 | 469 | 501 | 228 | 255 | 393 | 870 | |||||
a) | Payments to and provisions for employees | 539 | 590 | 436 | 464 | 198 | 218 | 282 | 310 | |||||
b) | Rent, taxes and lighting | 9 | 11 | 7 | 7 | 8 | 9 | 5 | 5 | |||||
c) | Printing and stationery | 6 | 8 | 5 | 6 | 5 | 4 | 2 | 3 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 2 | 1 | 1 | 5 | 5 | 1 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | - | - | - | 1 | |||||
h) | Law charges | 1 | - | - | 1 | - | - | 1 | 1 | |||||
i) | Postage, telegrams, telephones, etc. | 5 | 5 | 1 | 1 | 2 | 3 | - | 1 | |||||
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | - | 1 | 1 | 2 | |||||
k) | Insurance | 1 | 2 | 4 | 7 | - | - | 1 | 1 | |||||
l) | Other expenditure | 31 | 32 | 13 | 13 | 9 | 14 | 99 | 546 | |||||
V. | Provisions and contingencies | - | - | 105 | 280 | - | 26 | - | - | |||||
Total expenses | 1971 | 2614 | 1205 | 1857 | 598 | 899 | 740 | 1368 | ||||||
VI. | Profit (loss) | 6 | 97 | | (460) | (724) | | (142) | (125) | | (480) | (943) | ||
Total (III+IV+V+VI) | | 1976 | 2711 | | 745 | 1133 | | 457 | 775 | | 259 | 425 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Mizoram | Monghyr Kshetriya | Murshidabad | Muzaffarnagar | |||||||||||
Rural Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (233) | (234) | | (235) | (236) | | (237) | (238) | | (239) | (240) |
Income | ||||||||||||||
I. | Interest earned | 876 | 1426 | 286 | 250 | 336 | ||||||||
a) | Interest/discount on advances/bills | 160 | 370 | 132 | 89 | 89 | ||||||||
b) | Income on investments | 15 | 215 | 66 | 81 | 126 | ||||||||
c) | Interest on balances with RBI and other | N | N | 701 | 841 | 88 | N | 79 | 121 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | ||||||||
O | O | O | ||||||||||||
II. | Other income | 78 | 80 | 9 | 28 | 13 | ||||||||
T | T | T | ||||||||||||
a) | Commission, exchange, brokerage, etc. | 14 | 14 | 4 | 1 | 1 | ||||||||
b) | Net profit (loss) on sale of investments | - | - | - | - | - | ||||||||
c) | Net profit (loss) on revaluation of investments | A | A | - | - | - | A | - | - | |||||
d) | Net profit (loss) on sale of land, building | |||||||||||||
& other assets | - | - | - | - | - | |||||||||
e) | Net profit (loss) on exchange transaction | V | V | V | ||||||||||
f) | Miscellaneous income | | | 64 | 66 | | 5 | | | 27 | 11 | |||
| Total (I+II) | | | | | 916 | 1507 | | 295 | | | 278 | 348 | |
Expenditure & Provisions | A | A | A | |||||||||||
III. | Interest expended | 667 | 907 | 205 | 154 | 244 | ||||||||
I | I | I | ||||||||||||
a) | Interest on deposits | 642 | 892 | 175 | 119 | 207 | ||||||||
b) | Interest on RBI/inter-bank borrowings | 26 | 16 | 30 | 8 | 12 | ||||||||
c) | Others | L | L | - | - | - | L | 27 | 26 | |||||
IV. | Operating expenses | A | A | 486 | 569 | 176 | A | 102 | 121 | |||||
a) | Payments to and provisions for employees | 457 | 526 | 123 | 87 | 100 | ||||||||
b) | Rent, taxes and lighting | B | B | 9 | 10 | 4 | B | 3 | 3 | |||||
c) | Printing and stationery | 4 | 4 | 3 | 1 | 2 | ||||||||
d) | Advertisement and publicity | - | - | - | - | - | ||||||||
e) | Depreciation on Bank's property | L | L | 2 | 2 | 1 | L | 2 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | ||||||||
g) | Auditors' fees and expenses | 1 | 1 | - | - | 1 | ||||||||
h) | Law charges | E | E | - | - | - | E | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 1 | 1 | - | 1 | 1 | ||||||||
j) | Repairs and maintenance | 1 | 1 | - | - | - | ||||||||
k) | Insurance | 4 | 17 | 2 | 1 | 4 | ||||||||
l) | Other expenditure | 7 | 6 | 42 | 7 | 7 | ||||||||
V. | Provisions and contingencies | - | 1781 | 545 | 21 | 194 | ||||||||
Total expenses | 1153 | 3257 | 926 | 277 | 559 | |||||||||
VI. | Profit (loss) | | | (1021) | (1750) | | (631) | | | 1 | (211) | |||
Total (III+IV+V+VI) | | | | | 916 | 1507 | | 295 | | | 278 | 348 |
Note | : Figures in bracket indicate loss. |
- | : Nil or negligible. |
Source | : Annual accounts of banks. |