Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 21 of 26) - आरबीआय - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 21 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31 March |
||||||||||||||
Patliputra |
Pinakini |
Pithoragarh |
Pragjyotish Gaonlia |
|||||||||||
Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
Gaonlia Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(265) |
(266) |
|
(267) |
(268) |
|
(269) |
(270) |
|
(271) |
(272) |
Income |
||||||||||||||
I. |
Interest earned |
62 |
121 |
758 |
1220 |
355 |
486 |
2180 |
2058 |
|||||
a) |
Interest/discount on advances/bills |
14 |
27 |
498 |
763 |
129 |
147 |
946 |
586 |
|||||
b) |
Income on investments |
16 |
51 |
- |
- |
83 |
125 |
- |
1472 |
|||||
c) |
Interest on balances with RBI and other |
32 |
43 |
260 |
456 |
142 |
214 |
1234 |
- |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
1 |
1 |
39 |
64 |
15 |
20 |
73 |
78 |
|||||
a) |
Commission, exchange, brokerage, etc. |
- |
1 |
18 |
24 |
5 |
18 |
31 |
42 |
|||||
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 |
- |
1 |
|
20 |
40 |
|
10 |
2 |
|
41 |
36 |
||
|
Total (I+II) |
|
62 |
123 |
|
797 |
1283 |
|
370 |
507 |
|
2253 |
2136 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
86 |
133 |
648 |
832 |
235 |
362 |
1111 |
1549 |
|||||
a) |
Interest on deposits |
81 |
130 |
508 |
663 |
211 |
329 |
890 |
1303 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
4 |
4 |
140 |
169 |
24 |
33 |
222 |
246 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
70 |
66 |
482 |
572 |
93 |
94 |
1048 |
1085 |
|||||
a) |
Payments to and provisions for employees |
54 |
54 |
385 |
494 |
78 |
78 |
897 |
936 |
|||||
b) |
Rent, taxes and lighting |
2 |
3 |
10 |
13 |
5 |
5 |
25 |
25 |
|||||
c) |
Printing and stationery |
1 |
1 |
6 |
7 |
2 |
2 |
13 |
17 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
4 |
4 |
1 |
1 |
7 |
7 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
2 |
- |
- |
2 |
3 |
|||||
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
1 |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
1 |
3 |
4 |
1 |
1 |
4 |
4 |
|||||
j) |
Repairs and maintenance |
- |
1 |
- |
- |
- |
- |
2 |
2 |
|||||
k) |
Insurance |
1 |
1 |
2 |
- |
2 |
2 |
5 |
6 |
|||||
l) |
Other expenditure |
7 |
4 |
70 |
47 |
6 |
6 |
93 |
84 |
|||||
V. |
Provisions and contingencies |
- |
- |
- |
734 |
- |
- |
442 |
1872 |
|||||
Total expenses |
155 |
200 |
1129 |
2138 |
328 |
456 |
2602 |
4506 |
||||||
VI. |
Profit (loss) |
(93) |
(77) |
|
(332) |
(855) |
|
41 |
50 |
|
(349) |
(2370) |
||
Total (III+IV+V+VI) |
|
62 |
123 |
|
797 |
1283 |
|
370 |
507 |
|
2253 |
2136 |
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(Amount in Rs. lakh) |
|
For the year ended 31 March |
||||||||||||||
Pratapgarh Kshetriya |
Prathama |
Puri |
Rae Bareli Kshetriya |
|||||||||||
Gramin Bank |
Bank |
Gramin Bank |
Gaonlia Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(273) |
(274) |
|
(275) |
(276) |
|
(277) |
(278) |
|
(279) |
(280) |
Income |
||||||||||||||
I. |
Interest earned |
709 |
1095 |
2824 |
4381 |
596 |
886 |
842 |
1264 |
|||||
a) |
Interest/discount on advances/bills |
202 |
279 |
1571 |
2268 |
317 |
405 |
187 |
225 |
|||||
b) |
Income on investments |
495 |
803 |
1170 |
2058 |
275 |
481 |
189 |
259 |
|||||
c) |
Interest on balances with RBI and other |
12 |
13 |
83 |
55 |
4 |
- |
466 |
780 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
25 |
52 |
296 |
282 |
30 |
42 |
50 |
51 |
|||||
a) |
Commission, exchange, brokerage, etc. |
9 |
42 |
21 |
29 |
16 |
24 |
4 |
6 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
1 |
- |
- |
- |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
1 |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
16 |
10 |
|
274 |
252 |
|
14 |
18 |
|
46 |
46 |
||
|
Total (I+II) |
|
735 |
1147 |
|
3120 |
4663 |
|
626 |
928 |
|
892 |
1316 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
536 |
791 |
1786 |
2221 |
641 |
916 |
629 |
867 |
|||||
a) |
Interest on deposits |
495 |
744 |
1273 |
1639 |
487 |
731 |
577 |
816 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
41 |
48 |
513 |
582 |
154 |
186 |
52 |
51 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
371 |
360 |
1366 |
1361 |
544 |
607 |
367 |
469 |
|||||
a) |
Payments to and provisions for employees |
295 |
323 |
1146 |
1163 |
485 |
530 |
321 |
339 |
|||||
b) |
Rent, taxes and lighting |
6 |
7 |
29 |
30 |
14 |
15 |
5 |
6 |
|||||
c) |
Printing and stationery |
3 |
4 |
13 |
19 |
6 |
8 |
5 |
5 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
6 |
6 |
2 |
2 |
3 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
3 |
1 |
2 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
- |
1 |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
12 |
12 |
2 |
2 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
1 |
- |
2 |
3 |
- |
1 |
2 |
3 |
|||||
k) |
Insurance |
48 |
6 |
118 |
83 |
9 |
20 |
13 |
13 |
|||||
l) |
Other expenditure |
14 |
16 |
37 |
43 |
24 |
29 |
16 |
97 |
|||||
V. |
Provisions and contingencies |
1268 |
235 |
194 |
1513 |
70 |
194 |
11 |
189 |
|||||
Total expenses |
2175 |
1386 |
3346 |
5095 |
1255 |
1718 |
1007 |
1526 |
||||||
VI. |
Profit (loss) |
(1441) |
(239) |
|
(226) |
(433) |
|
(629) |
(789) |
|
(115) |
(210) |
||
Total (III+IV+V+VI) |
|
735 |
1147 |
|
3120 |
4663 |
|
626 |
928 |
|
892 |
1316 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Raigarh Kshetriya |
Rajgarh Kshetriya |
Ranchi Kshetriya |
Rani Laxmibai |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(281) |
(282) |
|
(283) |
(284) |
|
(285) |
(286) |
|
(287) |
(288) |
Income |
||||||||||||||
I. |
Interest earned |
270 |
440 |
207 |
207 |
272 |
635 |
145 |
238 |
|||||
a) |
Interest/discount on advances/bills |
69 |
124 |
92 |
92 |
112 |
221 |
71 |
98 |
|||||
b) |
Income on investments |
53 |
67 |
46 |
46 |
52 |
199 |
- |
- |
|||||
c) |
Interest on balances with RBI and other |
148 |
249 |
69 |
69 |
108 |
214 |
- |
- |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
74 |
140 |
|||||
II. |
Other income |
21 |
17 |
6 |
6 |
82 |
26 |
5 |
7 |
|||||
a) |
Commission, exchange, brokerage, etc. |
9 |
8 |
3 |
3 |
3 |
1 |
2 |
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 |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
13 |
9 |
|
3 |
3 |
|
79 |
25 |
|
3 |
5 |
||
|
Total (I+II) |
|
291 |
457 |
|
213 |
213 |
|
354 |
661 |
|
150 |
245 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
276 |
418 |
205 |
205 |
313 |
501 |
237 |
326 |
|||||
a) |
Interest on deposits |
256 |
393 |
183 |
183 |
295 |
458 |
188 |
278 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
20 |
24 |
3 |
3 |
- |
- |
- |
- |
|||||
c) |
Others |
- |
- |
19 |
19 |
18 |
43 |
49 |
47 |
|||||
IV. |
Operating expenses |
238 |
254 |
163 |
163 |
316 |
348 |
215 |
210 |
|||||
a) |
Payments to and provisions for employees |
203 |
225 |
141 |
141 |
280 |
299 |
162 |
184 |
|||||
b) |
Rent, taxes and lighting |
5 |
6 |
6 |
6 |
8 |
9 |
34 |
10 |
|||||
c) |
Printing and stationery |
3 |
4 |
3 |
3 |
3 |
4 |
3 |
3 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
2 |
2 |
1 |
2 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
- |
- |
- |
1 |
- |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
1 |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
- |
1 |
- |
- |
1 |
1 |
- |
- |
|||||
k) |
Insurance |
9 |
3 |
- |
- |
1 |
- |
- |
- |
|||||
l) |
Other expenditure |
15 |
11 |
10 |
10 |
21 |
31 |
12 |
7 |
|||||
V. |
Provisions and contingencies |
- |
- |
15 |
15 |
74 |
223 |
30 |
174 |
|||||
Total expenses |
514 |
672 |
383 |
383 |
703 |
1072 |
482 |
710 |
||||||
VI. |
Profit (loss) |
(223) |
(215) |
|
(170) |
(170) |
|
(349) |
(411) |
|
(332) |
(465) |
||
Total (III+IV+V+VI) |
|
291 |
457 |
|
213 |
213 |
|
354 |
661 |
|
150 |
245 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |