Table 51 : Earnings and Expenses of Regional Rural Banks - 1997-98 (Part 5 of 13) - आरबीआय - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 5 of 13)
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Gorakhpur |
Gurdaspur |
Gwalior Datia |
||||||||
Kshetriya |
Amritsar |
Gurgaon |
Kshetriya |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(129) |
(130) |
(131) |
(132) |
(133) |
(134) |
(135) |
(136) |
Income |
||||||||||
I. |
Interest Earned |
6768 |
7459 |
870 |
1101 |
4467 |
5029 |
372 |
468 |
|
a) |
Interest/discount on advances/bills |
1034 |
1207 |
261 |
319 |
1003 |
1386 |
95 |
114 |
|
b) |
Income on Investments |
5735 |
6252 |
256 |
324 |
3464 |
3643 |
- |
- |
|
c) |
Interest on balances with |
- |
- |
353 |
459 |
- |
- |
203 |
248 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
74 |
107 |
|
II. |
Other income |
58 |
92 |
16 |
21 |
179 |
70 |
3 |
5 |
|
a) |
Commission, exchange and brokerage |
48 |
87 |
11 |
16 |
11 |
12 |
2 |
2 |
|
b) |
Other miscellaneous income |
10 |
5 |
5 |
4 |
167 |
58 |
1 |
3 |
|
Total (I+II) |
6826 |
7551 |
886 |
1122 |
4646 |
5099 |
375 |
473 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
3815 |
4718 |
537 |
660 |
2782 |
2871 |
311 |
407 |
|
a) |
Interest on deposits |
3445 |
4382 |
478 |
600 |
2488 |
2518 |
211 |
271 |
|
b) |
Interest on RBI/inter-bank borrowings |
370 |
337 |
59 |
59 |
- |
353 |
26 |
30 |
|
c) |
Others |
- |
- |
1 |
1 |
294 |
- |
74 |
107 |
|
IV. |
Operating expenses |
1393 |
1329 |
269 |
285 |
1010 |
983 |
229 |
142 |
|
a) |
Payments to and provisions for employees |
1272 |
1186 |
236 |
253 |
803 |
876 |
99 |
104 |
|
b) |
Rent, taxes and lighting |
18 |
26 |
6 |
6 |
18 |
23 |
3 |
4 |
|
c) |
Printing and stationery |
11 |
13 |
4 |
4 |
9 |
10 |
2 |
2 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
5 |
5 |
3 |
4 |
3 |
6 |
1 |
1 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
3 |
3 |
1 |
1 |
2 |
2 |
- |
- |
|
h) |
Law charges |
1 |
1 |
- |
- |
1 |
2 |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
4 |
7 |
2 |
2 |
3 |
4 |
- |
- |
|
j) |
Repairs and maintenance |
2 |
2 |
- |
1 |
2 |
3 |
- |
- |
|
k) |
Insurance |
20 |
25 |
3 |
4 |
68 |
20 |
1 |
2 |
|
l) |
Other expenditure |
56 |
61 |
14 |
11 |
101 |
39 |
122 |
29 |
|
V. |
Provisions and contingencies |
238 |
53 |
373 |
101 |
1411 |
16 |
- |
- |
|
Total expenses* |
5208 |
6047 |
806 |
944 |
3792 |
3854 |
539 |
549 |
||
VI. |
Profit |
1380 |
1452 |
-293 |
77 |
-557 |
1230 |
-164 |
-76 |
|
Total (III+IV+V+VI) |
6826 |
7551 |
886 |
1122 |
4646 |
5099 |
375 |
473 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Hadoti |
Haryana |
Hazaribagh |
Himachal |
|||||||
Kshetriya |
Kshetriya |
Kshetriya |
Gramin Bank |
|||||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(137) |
(138) |
(139) |
(140) |
(141) |
(142) |
(143) |
(144) |
Income |
||||||||||
I. |
Interest Earned |
831 |
1113 |
17 |
1900 |
449 |
565 |
2311 |
2629 |
|
a) |
Interest/discount on advances/bills |
374 |
515 |
-993 |
907 |
67 |
99 |
424 |
520 |
|
b) |
Income on Investments |
130 |
547 |
404 |
422 |
128 |
192 |
1129 |
1345 |
|
c) |
Interest on balances with |
327 |
51 |
606 |
571 |
255 |
273 |
756 |
762 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
1 |
2 |
|
II. |
Other income |
32 |
84 |
63 |
58 |
23 |
6 |
79 |
36 |
|
a) |
Commission, exchange and brokerage |
18 |
28 |
33 |
42 |
3 |
2 |
64 |
19 |
|
b) |
Other miscellaneous income |
15 |
57 |
30 |
16 |
20 |
4 |
16 |
18 |
|
Total (I+II) |
863 |
1197 |
80 |
1957 |
472 |
571 |
2390 |
2665 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
804 |
929 |
1230 |
1449 |
251 |
343 |
1668 |
1946 |
|
a) |
Interest on deposits |
701 |
833 |
1141 |
1293 |
237 |
319 |
1575 |
1853 |
|
b) |
Interest on RBI/inter-bank borrowings |
103 |
97 |
89 |
155 |
14 |
25 |
1 |
1 |
|
c) |
Others |
- |
- |
- |
- |
- |
- |
93 |
92 |
|
IV. |
Operating expenses |
353 |
456 |
450 |
491 |
120 |
116 |
715 |
610 |
|
a) |
Payments to and provisions for employees |
302 |
346 |
403 |
441 |
104 |
98 |
607 |
556 |
|
b) |
Rent, taxes and lighting |
9 |
12 |
8 |
9 |
6 |
3 |
10 |
11 |
|
c) |
Printing and stationery |
5 |
5 |
2 |
2 |
1 |
2 |
4 |
7 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|
e) |
Depreciation on Bank's property |
3 |
3 |
3 |
3 |
4 |
2 |
2 |
3 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
2 |
- |
- |
1 |
1 |
|
h) |
Law charges |
1 |
- |
1 |
- |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
3 |
3 |
2 |
2 |
1 |
1 |
4 |
6 |
|
j) |
Repairs and maintenance |
- |
- |
- |
- |
1 |
- |
1 |
1 |
|
k) |
Insurance |
5 |
7 |
8 |
9 |
2 |
- |
10 |
12 |
|
l) |
Other expenditure |
24 |
78 |
20 |
21 |
2 |
8 |
76 |
13 |
|
V. |
Provisions and contingencies |
958 |
- |
- |
- |
63 |
56 |
276 |
- |
|
Total expenses* |
1157 |
1385 |
1680 |
1939 |
371 |
459 |
2383 |
2556 |
||
VI. |
Profit |
-1252 |
-188 |
-1600 |
18 |
38 |
56 |
-270 |
110 |
|
Total (III+IV+V+VI) |
863 |
1197 |
80 |
1957 |
472 |
571 |
2390 |
2665 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Hindon |
Hissar-Sirsa |
Howrah |
Indore Ujjain |
|||||||
Gramin Bank |
Kshetriya |
Gramin Bank |
Gramin Bank |
|||||||
Items |
|
Gramin Bank |
|
|
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(145) |
(146) |
(147) |
(148) |
(149) |
(150) |
(151) |
(152) |
Income |
||||||||||
I. |
Interest Earned |
213 |
285 |
780 |
938 |
1333 |
1603 |
344 |
453 |
|
a) |
Interest/discount on advances/bills |
44 |
66 |
356 |
431 |
295 |
284 |
131 |
190 |
|
b) |
Income on Investments |
52 |
219 |
155 |
182 |
592 |
881 |
208 |
257 |
|
c) |
Interest on balances with |
- |
- |
269 |
325 |
447 |
438 |
5 |
6 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
116 |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
4 |
8 |
30 |
22 |
58 |
78 |
23 |
31 |
|
a) |
Commission, exchange and brokerage |
3 |
5 |
5 |
5 |
41 |
52 |
4 |
4 |
|
b) |
Other miscellaneous income |
1 |
3 |
25 |
17 |
17 |
26 |
19 |
27 |
|
Total (I+II) |
217 |
293 |
810 |
960 |
1391 |
1681 |
367 |
485 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
140 |
175 |
508 |
561 |
842 |
1152 |
221 |
285 |
|
a) |
Interest on deposits |
132 |
166 |
410 |
447 |
806 |
1108 |
187 |
247 |
|
b) |
Interest on RBI/inter-bank borrowings |
8 |
9 |
3 |
5 |
36 |
45 |
34 |
3 |
|
c) |
Others |
- |
- |
94 |
109 |
- |
- |
- |
34 |
|
IV. |
Operating expenses |
85 |
94 |
184 |
205 |
351 |
373 |
163 |
187 |
|
a) |
Payments to and provisions for employees |
65 |
72 |
154 |
171 |
295 |
321 |
142 |
162 |
|
b) |
Rent, taxes and lighting |
3 |
3 |
7 |
8 |
9 |
13 |
6 |
7 |
|
c) |
Printing and stationery |
1 |
1 |
3 |
3 |
6 |
3 |
1 |
5 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
1 |
1 |
- |
- |
|
e) |
Depreciation on Bank's property |
1 |
2 |
3 |
4 |
4 |
4 |
1 |
1 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
- |
- |
|
h) |
Law charges |
- |
- |
- |
1 |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
2 |
1 |
2 |
1 |
1 |
|
j) |
Repairs and maintenance |
- |
- |
- |
1 |
1 |
1 |
1 |
1 |
|
k) |
Insurance |
9 |
10 |
3 |
4 |
25 |
18 |
1 |
2 |
|
l) |
Other expenditure |
4 |
5 |
12 |
12 |
9 |
10 |
9 |
8 |
|
V. |
Provisions and contingencies |
102 |
- |
54 |
36 |
66 |
52 |
154 |
8 |
|
Total expenses* |
224 |
269 |
693 |
766 |
1193 |
1525 |
384 |
473 |
||
VI. |
Profit |
-110 |
23 |
64 |
158 |
132 |
104 |
-170 |
4 |
|
Total (III+IV+V+VI) |
217 |
293 |
810 |
960 |
1391 |
1681 |
367 |
485 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||
For the year ended 31st March |
||||||||||
Jaipur Nagaur |
Jammu Rural |
Jamnagar |
Jamuna |
|||||||
Anchalik |
Bank |
Gramin Bank |
Gramin Bank |
|||||||
Items |
Gramin Bank |
|
|
|
||||||
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
1997 |
1998 |
|||
|
|
|
(153) |
(154) |
(155) |
(156) |
(157) |
(158) |
(159) |
(160) |
Income |
||||||||||
I. |
Interest Earned |
2267 |
2699 |
1925 |
2552 |
605 |
945 |
785 |
1293 |
|
a) |
Interest/discount on advances/bills |
524 |
604 |
228 |
334 |
189 |
422 |
332 |
563 |
|
b) |
Income on Investments |
641 |
728 |
221 |
3 |
134 |
180 |
257 |
339 |
|
c) |
Interest on balances with |
1101 |
1367 |
1476 |
2215 |
282 |
343 |
196 |
391 |
|
RBI and other inter-bank funds |
||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|
II. |
Other income |
131 |
69 |
15 |
20 |
8 |
8 |
63 |
82 |
|
a) |
Commission, exchange and brokerage |
16 |
23 |
5 |
8 |
8 |
8 |
38 |
42 |
|
b) |
Other miscellaneous income |
115 |
46 |
11 |
12 |
- |
- |
25 |
40 |
|
Total (I+II) |
2398 |
2768 |
1940 |
2572 |
613 |
953 |
848 |
1374 |
||
Expenditure & Provisions |
||||||||||
III. |
Interest expended |
1654 |
1996 |
1167 |
1510 |
553 |
596 |
584 |
801 |
|
a) |
Interest on deposits |
1580 |
1907 |
1123 |
1443 |
465 |
492 |
503 |
689 |
|
b) |
Interest on RBI/inter-bank borrowings |
74 |
89 |
- |
- |
87 |
103 |
8 |
16 |
|
c) |
Others |
- |
- |
44 |
67 |
- |
- |
74 |
95 |
|
IV. |
Operating expenses |
698 |
755 |
455 |
518 |
231 |
249 |
228 |
268 |
|
a) |
Payments to and provisions for employees |
616 |
685 |
404 |
462 |
210 |
223 |
176 |
199 |
|
b) |
Rent, taxes and lighting |
10 |
12 |
9 |
11 |
5 |
6 |
9 |
10 |
|
c) |
Printing and stationery |
7 |
9 |
8 |
9 |
4 |
6 |
3 |
4 |
|
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
1 |
- |
- |
|
e) |
Depreciation on Bank's property |
2 |
2 |
3 |
4 |
1 |
1 |
3 |
3 |
|
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|
g) |
Auditors' fees and expenses |
2 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|
h) |
Law charges |
1 |
1 |
1 |
2 |
- |
- |
- |
- |
|
i) |
Postage, telegrams, telephones, etc. |
4 |
6 |
2 |
3 |
1 |
1 |
3 |
3 |
|
j) |
Repairs and maintenance |
- |
1 |
1 |
1 |
1 |
- |
- |
- |
|
k) |
Insurance |
35 |
12 |
7 |
9 |
2 |
3 |
- |
- |
|
l) |
Other expenditure |
21 |
25 |
20 |
16 |
6 |
7 |
32 |
47 |
|
V. |
Provisions and contingencies |
344 |
93 |
293 |
37 |
- |
- |
231 |
10 |
|
Total expenses* |
2351 |
2752 |
1622 |
2027 |
783 |
845 |
812 |
1069 |
||
VI. |
Profit |
-297 |
-77 |
25 |
508 |
-171 |
108 |
-196 |
296 |
|
Total (III+IV+V+VI) |
2398 |
2768 |
1940 |
2572 |
613 |
953 |
848 |
1374 |
Note |
: |
*Excluding 'Provisions and Contingencies'. |
- |
: |
Nil or negligible. |
Source |
: |
Annual accounts of banks. |