REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Vidur

Vindhyavasini

Visweshwaraya

Yavatmal

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

385

386

387

388

389

390

391

392

Income

I.

Interest earned

276

433

432

617

160

219

210

317

a)

Interest/discount on advances/bills

83

117

116

153

88

125

108

158

b)

Income on investments

74

121

74

223

-

-

15

32

c)

Interest on balances with RBI and other

118

194

242

241

72

94

87

127

inter-bank funds

d)

Others

2

1

-

-

-

-

-

-

II.

Other income

14

34

15

9

21

22

39

35

a)

Commission, exchange, brokerage, etc.

7

28

15

9

2

4

11

26

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

-

-

-

-

-

1

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

7

7

-

-

19

17

28

8

Total (I+II)

290

467

448

626

181

241

249

352

Expenditure & Provisions

III.

Interest expended

240

286

343

427

97

142

143

184

a)

Interest on deposits

192

229

290

380

75

117

119

145

b)

Interest on RBI/inter-bank borrowings

47

55

53

47

6

5

-

-

c)

Others

2

2

-

-

16

20

24

39

IV.

Operating expenses

173

209

260

198

93

108

89

106

a)

Payments to and provisions for employees

153

188

187

176

81

90

73

86

b)

Rent, taxes and lighting

3

3

5

5

3

4

3

3

c)

Printing and stationery

2

2

4

4

2

2

1

2

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

3

3

1

-

1

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

2

-

-

g)

Auditors' fees and expenses

-

1

-

-

-

-

-

-

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

2

2

1

1

-

-

1

1

j)

Repairs and maintenance

1

1

1

-

-

-

-

-

k)

Insurance

-

-

47

2

-

-

1

1

l)

Other expenditure

11

10

11

6

6

9

9

11

V.

Provisions and contingencies

-

-

54

651

-

7

10

54

Total expenses

414

494

657

1276

190

257

242

344

VI.

Profit (loss)

(124)

(27)

(209)

(650)

(9)

(16)

7

8

Total (III+IV+V+VI)

290

467

448

626

181

241

249

352

Note

: Figures in bracket indicate loss.

-

: Nil or negligible.

Source

: Annual accounts of banks.