Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 4 of 13) - आरबीआय - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 4 of 13)
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Dungarpur- |
||||||||||
Banswara |
Durg |
|||||||||
Kshetriya |
Rajnandgaon |
Ellaquai Dehati |
Etah |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(97) |
(98) |
(99) |
(100) |
(101) |
(102) |
(103) |
(104) |
Income |
||||||||||
I. |
Interest Earned |
205 |
381 |
1558 |
2023 |
274 |
891 |
1305 |
||
a) |
Interest/discount on advances/bills |
99 |
161 |
422 |
467 |
33 |
444 |
595 |
||
b) |
Income on Investments |
6 |
55 |
578 |
631 |
- |
161 |
207 |
||
c) |
Interest on balances with |
- |
115 |
558 |
925 |
242 |
287 |
503 |
||
RBI and other inter-bank funds |
||||||||||
d) |
Others |
101 |
49 |
- |
- |
- |
- |
- |
||
II. |
Other income |
16 |
53 |
42 |
41 |
N |
5 |
81 |
63 |
|
a) |
Commission, exchange and brokerage |
7 |
11 |
18 |
19 |
O |
4 |
45 |
41 |
|
b) |
Other miscellaneous income |
9 |
42 |
25 |
22 |
T |
1 |
36 |
22 |
|
Total (I+II) |
221 |
434 |
1601 |
2064 |
|
279 |
972 |
1368 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
241 |
321 |
1067 |
1349 |
A |
526 |
616 |
802 |
|
a) |
Interest on deposits |
215 |
292 |
948 |
1220 |
V |
510 |
501 |
668 |
|
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
118 |
129 |
A |
- |
114 |
134 |
|
c) |
Others |
26 |
29 |
- |
- |
I |
16 |
- |
- |
|
IV. |
Operating expenses |
168 |
187 |
439 |
498 |
L |
476 |
272 |
320 |
|
a) |
Payments to and provisions for employees |
140 |
154 |
380 |
434 |
A |
444 |
240 |
283 |
|
b) |
Rent, taxes and lighting |
4 |
5 |
13 |
14 |
B |
10 |
7 |
8 |
|
c) |
Printing and stationery |
2 |
3 |
10 |
11 |
L |
2 |
3 |
4 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
E |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
3 |
3 |
4 |
5 |
2 |
2 |
2 |
||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
||
g) |
Auditors' fees and expenses |
- |
- |
2 |
1 |
1 |
1 |
1 |
||
h) |
Law charges |
- |
- |
- |
1 |
- |
- |
- |
||
i) |
Postage, telegrams, telephones, etc. |
2 |
3 |
4 |
5 |
1 |
3 |
5 |
||
j) |
Repairs and maintenance |
- |
- |
4 |
3 |
1 |
1 |
1 |
||
k) |
Insurance |
2 |
3 |
9 |
10 |
5 |
- |
- |
||
l) |
Other expenditure |
14 |
15 |
14 |
14 |
11 |
15 |
16 |
||
V. |
Provisions and contingencies |
93 |
8 |
702 |
115 |
- |
73 |
17 |
||
Total expenses* |
409 |
508 |
1506 |
1847 |
1002 |
888 |
1122 |
|||
VI. |
Profit |
-280 |
-82 |
-607 |
101 |
|
-723 |
12 |
230 |
|
Total (III+IV+V+VI) |
221 |
434 |
1601 |
2064 |
|
279 |
972 |
1368 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
|
Faridkot |
|||||||||
Etawah |
Faizabad |
Bhatinda |
||||||||
Kshetriya |
Kshetriya |
Kshetriya |
Farrukhabad |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(105) |
(106) |
(107) |
(108) |
(109) |
(110) |
(111) |
(112) |
Income |
||||||||||
I. |
Interest Earned |
475 |
558 |
1179 |
1441 |
719 |
728 |
1944 |
2190 |
|
a) |
Interest/discount on advances/bills |
172 |
200 |
241 |
270 |
208 |
223 |
344 |
459 |
|
b) |
Income on Investments |
62 |
60 |
308 |
295 |
88 |
113 |
530 |
594 |
|
c) |
Interest on balances with |
241 |
297 |
- |
875 |
423 |
392 |
3 |
6 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
630 |
- |
- |
- |
1066 |
1131 |
|
II. |
Other income |
11 |
9 |
19 |
22 |
29 |
21 |
35 |
28 |
|
a) |
Commission, exchange and brokerage |
7 |
9 |
6 |
10 |
5 |
5 |
3 |
5 |
|
b) |
Other miscellaneous income |
5 |
- |
13 |
12 |
24 |
16 |
32 |
23 |
|
Total (I+II) |
486 |
567 |
1198 |
1462 |
748 |
748 |
1979 |
2218 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
457 |
486 |
718 |
840 |
507 |
472 |
1045 |
1194 |
|
a) |
Interest on deposits |
397 |
433 |
655 |
773 |
439 |
430 |
930 |
1097 |
|
b) |
Interest on RBI/inter-bank borrowings |
59 |
53 |
- |
- |
- |
6 |
114 |
97 |
|
c) |
Others |
- |
- |
63 |
67 |
68 |
36 |
- |
- |
|
IV. |
Operating expenses |
210 |
227 |
308 |
360 |
94 |
112 |
494 |
542 |
|
a) |
Payments to and provisions for employees |
190 |
207 |
254 |
285 |
68 |
82 |
443 |
497 |
|
b) |
Rent, taxes and lighting |
4 |
4 |
6 |
7 |
5 |
6 |
8 |
8 |
|
c) |
Printing and stationery |
1 |
1 |
5 |
6 |
1 |
1 |
8 |
4 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
1 |
4 |
3 |
2 |
2 |
3 |
3 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
- |
1 |
1 |
|
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
1 |
1 |
1 |
2 |
- |
|
j) |
Repairs and maintenance |
- |
1 |
- |
- |
- |
- |
1 |
2 |
|
k) |
Insurance |
- |
- |
6 |
7 |
1 |
2 |
11 |
9 |
|
l) |
Other expenditure |
11 |
9 |
30 |
49 |
16 |
16 |
17 |
18 |
|
V. |
Provisions and contingencies |
477 |
209 |
412 |
54 |
27 |
15 |
402 |
55 |
|
Total expenses* |
666 |
713 |
1026 |
1200 |
601 |
584 |
1539 |
1736 |
||
VI. |
Profit |
-658 |
-356 |
-240 |
208 |
120 |
150 |
38 |
427 |
|
Total (III+IV+V+VI) |
486 |
567 |
1198 |
1462 |
748 |
748 |
1979 |
2218 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Fatehpur |
Giridih |
|||||||||
Kshetriya |
Ganga Yamuna |
Gaur |
Kshetriya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(113) |
(114) |
(115) |
(116) |
(117) |
(118) |
(119) |
(120) |
Income |
||||||||||
I. |
Interest Earned |
507 |
740 |
377 |
520 |
2037 |
289 |
413 |
||
a) |
Interest/discount on advances/bills |
149 |
191 |
80 |
129 |
824 |
71 |
123 |
||
b) |
Income on Investments |
65 |
172 |
116 |
390 |
650 |
47 |
103 |
||
c) |
Interest on balances with |
293 |
377 |
182 |
- |
564 |
171 |
188 |
||
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
||
II. |
Other income |
32 |
38 |
18 |
69 |
N |
97 |
10 |
18 |
|
a) |
Commission, exchange and brokerage |
16 |
7 |
4 |
8 |
O |
15 |
1 |
2 |
|
b) |
Other miscellaneous income |
16 |
31 |
14 |
61 |
T |
82 |
8 |
15 |
|
Total (I+II) |
539 |
778 |
396 |
588 |
|
2134 |
299 |
431 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
438 |
537 |
340 |
408 |
A |
2013 |
184 |
262 |
|
a) |
Interest on deposits |
384 |
487 |
313 |
375 |
V |
1822 |
174 |
245 |
|
b) |
Interest on RBI/inter-bank borrowings |
54 |
50 |
23 |
- |
A |
- |
10 |
17 |
|
c) |
Others |
- |
- |
4 |
33 |
I |
191 |
- |
- |
|
IV. |
Operating expenses |
298 |
333 |
213 |
164 |
L |
1079 |
225 |
111 |
|
a) |
Payments to and provisions for employees |
249 |
265 |
181 |
124 |
A |
929 |
93 |
98 |
|
b) |
Rent, taxes and lighting |
6 |
6 |
4 |
4 |
B |
24 |
2 |
3 |
|
c) |
Printing and stationery |
4 |
5 |
2 |
3 |
L |
13 |
3 |
1 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
E |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
2 |
2 |
1 |
5 |
119 |
2 |
||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
2 |
- |
- |
||
h) |
Law charges |
1 |
- |
- |
- |
- |
- |
- |
||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
- |
1 |
2 |
- |
- |
||
j) |
Repairs and maintenance |
4 |
4 |
- |
- |
1 |
- |
- |
||
k) |
Insurance |
2 |
7 |
17 |
22 |
6 |
2 |
2 |
||
l) |
Other expenditure |
27 |
41 |
7 |
8 |
98 |
4 |
5 |
||
V. |
Provisions and contingencies |
167 |
71 |
- |
- |
- |
- |
10 |
||
Total expenses* |
736 |
870 |
553 |
572 |
3092 |
408 |
373 |
|||
VI. |
Profit |
-364 |
-163 |
-157 |
17 |
|
-958 |
-110 |
48 |
|
Total (III+IV+V+VI) |
539 |
778 |
396 |
588 |
|
2134 |
299 |
431 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Gopalganj |
||||||||||
Godavari |
Golconda |
Gomti |
Kshetriya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(121) |
(122) |
(123) |
(124) |
(125) |
(126) |
(127) |
(128) |
Income |
||||||||||
I. |
Interest Earned |
632 |
698 |
608 |
829 |
1680 |
2209 |
962 |
1223 |
|
a) |
Interest/discount on advances/bills |
477 |
544 |
122 |
602 |
409 |
568 |
108 |
165 |
|
b) |
Income on Investments |
59 |
48 |
346 |
79 |
540 |
923 |
120 |
109 |
|
c) |
Interest on balances with |
96 |
106 |
81 |
128 |
731 |
719 |
734 |
949 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
60 |
20 |
- |
- |
- |
- |
|
II. |
Other income |
16 |
47 |
10 |
- |
40 |
38 |
14 |
11 |
|
a) |
Commission, exchange and brokerage |
5 |
4 |
10 |
15 |
10 |
17 |
3 |
3 |
|
b) |
Other miscellaneous income |
11 |
43 |
- |
- |
30 |
20 |
11 |
8 |
|
Total (I+II) |
648 |
745 |
618 |
844 |
1721 |
2247 |
975 |
1234 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
410 |
436 |
553 |
655 |
1255 |
1481 |
562 |
717 |
|
a) |
Interest on deposits |
274 |
314 |
166 |
626 |
1138 |
1353 |
547 |
698 |
|
b) |
Interest on RBI/inter-bank borrowings |
136 |
121 |
29 |
29 |
118 |
129 |
16 |
19 |
|
c) |
Others |
- |
1 |
358 |
- |
- |
- |
- |
- |
|
IV. |
Operating expenses |
132 |
147 |
93 |
- |
406 |
508 |
246 |
250 |
|
a) |
Payments to and provisions for employees |
103 |
115 |
73 |
86 |
363 |
423 |
212 |
232 |
|
b) |
Rent, taxes and lighting |
9 |
8 |
4 |
4 |
8 |
9 |
3 |
4 |
|
c) |
Printing and stationery |
4 |
4 |
2 |
4 |
6 |
3 |
2 |
3 |
|
d) |
Advertisement and publicity |
2 |
1 |
- |
- |
- |
- |
- |
1 |
|
e) |
Depreciation on Bank's property |
3 |
4 |
2 |
2 |
3 |
4 |
2 |
2 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
1 |
1 |
- |
- |
|
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
2 |
4 |
1 |
1 |
1 |
3 |
1 |
1 |
|
j) |
Repairs and maintenance |
2 |
2 |
- |
1 |
1 |
2 |
1 |
1 |
|
k) |
Insurance |
- |
1 |
4 |
- |
8 |
1 |
21 |
5 |
|
l) |
Other expenditure |
6 |
7 |
6 |
8 |
15 |
64 |
4 |
2 |
|
V. |
Provisions and contingencies |
25 |
20 |
28 |
5 |
9 |
-174 |
309 |
14 |
|
Total expenses* |
541 |
582 |
645 |
761 |
1662 |
1990 |
808 |
967 |
||
VI. |
Profit |
82 |
143 |
-55 |
78 |
50 |
431 |
-142 |
253 |
|
Total (III+IV+V+VI) |
648 |
745 |
618 |
844 |
1721 |
2247 |
975 |
1234 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |