Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 10 of 13) - आरबीआय - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 10 of 13)
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Rushikulya |
Ratlam |
Ratnagiri |
Rayalaseema |
||||||||
Gramin Bank |
Mandsaur Kshetriya |
Sindhudurg |
Gramin Bank |
|||||||||
|
Gramin Bank |
|
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(289) |
(290) |
(291) |
(292) |
(293) |
(294) |
(295) |
(296) |
||
Income |
||||||||||||
I. |
Interest Earned |
990 |
1362 |
541 |
755 |
251 |
564 |
3596 |
4246 |
|||
a) |
Interest/discount on advances/bills |
327 |
460 |
212 |
258 |
99 |
275 |
2525 |
3018 |
|||
b) |
Income on Investments |
663 |
902 |
- |
477 |
74 |
106 |
263 |
177 |
|||
c) |
Interest on balances with |
- |
- |
329 |
19 |
78 |
183 |
808 |
1052 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
1 |
- |
- |
|||
II. |
Other income |
82 |
53 |
52 |
19 |
16 |
18 |
463 |
192 |
|||
a) |
Commission, exchange and brokerage |
7 |
6 |
18 |
17 |
2 |
1 |
68 |
64 |
|||
b) |
Other miscellaneous income |
75 |
48 |
34 |
2 |
14 |
16 |
395 |
127 |
|||
Total (I+II) |
1072 |
1415 |
593 |
774 |
267 |
582 |
4059 |
4438 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
738 |
982 |
396 |
542 |
213 |
402 |
2156 |
2434 |
|||
a) |
Interest on deposits |
618 |
851 |
356 |
489 |
185 |
364 |
1593 |
1917 |
|||
b) |
Interest on RBI/inter-bank borrowings |
119 |
130 |
40 |
54 |
- |
38 |
547 |
497 |
|||
c) |
Others |
- |
1 |
- |
- |
28 |
- |
17 |
21 |
|||
IV. |
Operating expenses |
429 |
385 |
193 |
188 |
141 |
179 |
1038 |
1144 |
|||
a) |
Payments to and provisions for employees |
290 |
347 |
166 |
160 |
120 |
147 |
903 |
965 |
|||
b) |
Rent, taxes and lighting |
8 |
9 |
8 |
7 |
4 |
8 |
23 |
26 |
|||
c) |
Printing and stationery |
5 |
6 |
3 |
3 |
3 |
5 |
14 |
14 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
3 |
3 |
2 |
2 |
1 |
4 |
6 |
7 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
1 |
1 |
2 |
2 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
1 |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
3 |
3 |
2 |
2 |
1 |
2 |
12 |
17 |
|||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
1 |
1 |
- |
- |
|||
k) |
Insurance |
36 |
6 |
3 |
3 |
2 |
2 |
2 |
1 |
|||
l) |
Other expenditure |
84 |
9 |
10 |
11 |
7 |
9 |
75 |
112 |
|||
V. |
Provisions and contingencies |
257 |
37 |
- |
37 |
16 |
- |
1170 |
399 |
|||
Total expenses* |
1167 |
1367 |
589 |
731 |
353 |
581 |
3194 |
3578 |
||||
VI. |
Profit |
-351 |
11 |
4 |
6 |
-102 |
1 |
-305 |
461 |
|||
Total (III+IV+V+VI) |
1072 |
1415 |
593 |
774 |
267 |
582 |
4059 |
4438 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Rewa Sidhi |
Sabarkantha- |
Sagar |
Sahyadri |
||||||||
Gramin Bank |
Gandhinagar |
Gramin Bank |
Gramin Bank |
|||||||||
|
Gramin Bank |
|
|
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(297) |
(298) |
(299) |
(300) |
(301) |
(302) |
(303) |
(304) |
||
Income |
||||||||||||
I. |
Interest Earned |
1794 |
2027 |
532 |
647 |
1938 |
2537 |
436 |
611 |
|||
a) |
Interest/discount on advances/bills |
503 |
494 |
192 |
239 |
398 |
412 |
261 |
371 |
|||
b) |
Income on Investments |
489 |
652 |
123 |
119 |
703 |
1228 |
24 |
56 |
|||
c) |
Interest on balances with |
802 |
880 |
217 |
289 |
838 |
898 |
151 |
185 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
34 |
27 |
25 |
20 |
104 |
49 |
52 |
28 |
|||
a) |
Commission, exchange and brokerage |
6 |
7 |
19 |
16 |
85 |
35 |
7 |
7 |
|||
b) |
Other miscellaneous income |
29 |
20 |
5 |
4 |
19 |
14 |
44 |
22 |
|||
Total (I+II) |
1828 |
2054 |
557 |
667 |
2042 |
2586 |
488 |
639 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1129 |
1393 |
333 |
410 |
1392 |
1802 |
304 |
370 |
|||
a) |
Interest on deposits |
1046 |
1279 |
275 |
345 |
1292 |
1705 |
203 |
241 |
|||
b) |
Interest on RBI/inter-bank borrowings |
84 |
114 |
4 |
5 |
28 |
27 |
101 |
130 |
|||
c) |
Others |
- |
- |
53 |
60 |
72 |
70 |
- |
- |
|||
IV. |
Operating expenses |
496 |
540 |
120 |
125 |
827 |
765 |
139 |
148 |
|||
a) |
Payments to and provisions for employees |
385 |
415 |
107 |
108 |
664 |
685 |
119 |
126 |
|||
b) |
Rent, taxes and lighting |
11 |
12 |
4 |
5 |
25 |
30 |
5 |
6 |
|||
c) |
Printing and stationery |
10 |
8 |
2 |
2 |
8 |
12 |
1 |
1 |
|||
d) |
Advertisement and publicity |
1 |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
4 |
4 |
2 |
2 |
5 |
6 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
1 |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
1 |
- |
- |
|||
h) |
Law charges |
- |
1 |
- |
- |
1 |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
4 |
4 |
1 |
1 |
1 |
1 |
2 |
2 |
|||
j) |
Repairs and maintenance |
1 |
1 |
- |
1 |
2 |
2 |
2 |
2 |
|||
k) |
Insurance |
51 |
70 |
2 |
2 |
9 |
13 |
- |
- |
|||
l) |
Other expenditure |
29 |
23 |
2 |
4 |
112 |
15 |
7 |
7 |
|||
V. |
Provisions and contingencies |
354 |
93 |
76 |
51 |
1500 |
3 |
- |
34 |
|||
Total expenses* |
1626 |
1933 |
453 |
535 |
2219 |
2567 |
443 |
518 |
||||
VI. |
Profit |
-151 |
28 |
28 |
82 |
-1676 |
16 |
45 |
87 |
|||
Total (III+IV+V+VI) |
1828 |
2054 |
557 |
667 |
2042 |
2586 |
488 |
639 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Samastipur Kshetriya |
Samyukt Kshetriya |
Sangameshwar Gramin Bank |
Santhal |
||||||||
Gramin Bank |
Gramin Bank |
|
Gramin Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(305) |
(306) |
(307) |
(308) |
(309) |
(310) |
(311) |
(312) |
||
Income |
||||||||||||
I. |
Interest Earned |
624 |
956 |
4092 |
6348 |
965 |
1264 |
1395 |
1638 |
|||
a) |
Interest/discount on advances/bills |
126 |
174 |
-190 |
824 |
501 |
621 |
94 |
233 |
|||
b) |
Income on Investments |
57 |
102 |
1074 |
2887 |
- |
- |
544 |
402 |
|||
c) |
Interest on balances with |
417 |
680 |
3208 |
2636 |
- |
- |
756 |
1003 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
24 |
- |
- |
- |
464 |
643 |
- |
- |
|||
II. |
Other income |
26 |
33 |
74 |
63 |
141 |
230 |
35 |
38 |
|||
a) |
Commission, exchange and brokerage |
13 |
19 |
41 |
31 |
20 |
46 |
12 |
11 |
|||
b) |
Other miscellaneous income |
13 |
14 |
32 |
32 |
120 |
184 |
23 |
27 |
|||
Total (I+II) |
650 |
989 |
4165 |
6411 |
1105 |
1494 |
1430 |
1676 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
600 |
877 |
2781 |
3298 |
644 |
758 |
972 |
1160 |
|||
a) |
Interest on deposits |
555 |
804 |
2672 |
3182 |
480 |
586 |
893 |
1081 |
|||
b) |
Interest on RBI/inter-bank borrowings |
45 |
73 |
12 |
10 |
- |
- |
78 |
79 |
|||
c) |
Others |
- |
- |
97 |
106 |
164 |
172 |
- |
- |
|||
IV. |
Operating expenses |
348 |
421 |
1129 |
1233 |
303 |
345 |
560 |
573 |
|||
a) |
Payments to and provisions for employees |
298 |
370 |
914 |
998 |
263 |
293 |
521 |
524 |
|||
b) |
Rent, taxes and lighting |
8 |
10 |
15 |
17 |
7 |
8 |
7 |
9 |
|||
c) |
Printing and stationery |
7 |
7 |
11 |
11 |
5 |
6 |
3 |
4 |
|||
d) |
Advertisement and publicity |
1 |
- |
1 |
1 |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
2 |
5 |
6 |
2 |
2 |
1 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
- |
2 |
2 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
1 |
1 |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
- |
1 |
5 |
7 |
3 |
4 |
1 |
1 |
|||
j) |
Repairs and maintenance |
2 |
1 |
1 |
2 |
- |
- |
- |
1 |
|||
k) |
Insurance |
9 |
11 |
128 |
93 |
1 |
5 |
4 |
5 |
|||
l) |
Other expenditure |
20 |
18 |
46 |
95 |
21 |
25 |
21 |
26 |
|||
V. |
Provisions and contingencies |
- |
- |
- |
- |
- |
- |
1234 |
45 |
|||
Total expenses* |
947 |
1298 |
3910 |
4532 |
948 |
1103 |
1532 |
1733 |
||||
VI. |
Profit |
-298 |
-309 |
255 |
1879 |
158 |
391 |
-1335 |
-103 |
|||
Total (III+IV+V+VI) |
650 |
989 |
4165 |
6411 |
1105 |
1494 |
1430 |
1676 |
(Amount in Rs. lakh)
|
||||||||||||
For the year ended 31st March |
||||||||||||
Items |
Saran |
Sarayu Gramin Bank |
Shahajahanpur Kshetriya |
Shahdol |
||||||||
Gramin Bank |
|
Gramin Bank |
Gaonlia Bank |
|||||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||||
|
|
|
(313) |
(314) |
(315) |
(316) |
(317) |
(318) |
(319) |
(320) |
||
Income |
||||||||||||
I. |
Interest Earned |
414 |
558 |
727 |
961 |
403 |
673 |
300 |
362 |
|||
a) |
Interest/discount on advances/bills |
100 |
131 |
178 |
238 |
163 |
251 |
48 |
54 |
|||
b) |
Income on Investments |
- |
1 |
543 |
716 |
60 |
158 |
- |
16 |
|||
c) |
Interest on balances with |
313 |
426 |
6 |
7 |
180 |
265 |
252 |
293 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
1 |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
4 |
6 |
16 |
44 |
37 |
64 |
16 |
12 |
|||
a) |
Commission, exchange and brokerage |
2 |
3 |
16 |
44 |
11 |
32 |
6 |
6 |
|||
b) |
Other miscellaneous income |
2 |
3 |
- |
- |
26 |
32 |
10 |
6 |
|||
Total (I+II) |
418 |
564 |
743 |
1005 |
440 |
737 |
315 |
374 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
487 |
595 |
364 |
445 |
278 |
385 |
267 |
354 |
|||
a) |
Interest on deposits |
471 |
577 |
314 |
390 |
210 |
301 |
259 |
344 |
|||
b) |
Interest on RBI/inter-bank borrowings |
16 |
19 |
50 |
55 |
- |
- |
7 |
10 |
|||
c) |
Others |
- |
- |
- |
- |
68 |
84 |
- |
- |
|||
IV. |
Operating expenses |
237 |
284 |
170 |
184 |
146 |
164 |
185 |
221 |
|||
a) |
Payments to and provisions for employees |
222 |
263 |
147 |
159 |
119 |
138 |
153 |
187 |
|||
b) |
Rent, taxes and lighting |
3 |
3 |
5 |
5 |
3 |
4 |
4 |
4 |
|||
c) |
Printing and stationery |
3 |
3 |
2 |
3 |
2 |
3 |
2 |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
2 |
2 |
1 |
3 |
1 |
1 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
- |
- |
- |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
2 |
3 |
2 |
2 |
- |
- |
|||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
3 |
6 |
- |
- |
|||
k) |
Insurance |
4 |
8 |
5 |
4 |
11 |
4 |
13 |
16 |
|||
l) |
Other expenditure |
3 |
4 |
6 |
7 |
4 |
5 |
11 |
10 |
|||
V. |
Provisions and contingencies |
432 |
70 |
42 |
28 |
- |
42 |
154 |
- |
|||
Total expenses* |
724 |
880 |
533 |
629 |
424 |
549 |
451 |
576 |
||||
VI. |
Profit |
-739 |
-386 |
167 |
348 |
16 |
146 |
-290 |
-202 |
|||
Total (III+IV+V+VI) |
418 |
564 |
743 |
1005 |
440 |
737 |
315 |
374 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |