Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 14 of 26) - ଆରବିଆଇ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 14 of 26)
REGIONAL RURAL BANKS |
| | | | | | | | | | | (Amount in Rs. lakh) | |||
For the year ended 31st March | ||||||||||||||
Items | Dungarpur-Banswara | Durg Rajnandgaon | Ellaquai Dehati | Etah | ||||||||||
Kshetriya Gramin | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Bank | | | | |||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | | (97) | (98) | | (99) | (100) | | (101) | (102) | | (103) | (104) |
Income | ||||||||||||||
I. | Interest earned | 147 | 205 | 874 | 1558 | 152 | - | 585 | 891 | |||||
a) | Interest/discount on advances/bills | 67 | 99 | 279 | 422 | 26 | - | 315 | 444 | |||||
b) | Income on investments | - | 6 | 578 | 578 | - | - | 72 | 161 | |||||
c) | Interest on balances with RBI and other | - | - | 17 | 558 | 126 | - | 199 | 287 | |||||
inter-bank funds | ||||||||||||||
d) | Others | 81 | 101 | - | - | - | - | - | - | |||||
II. | Other income | 23 | 16 | 43 | 42 | 2 | - | 41 | 81 | |||||
a) | Commission, exchange, brokerage, etc. | 6 | 7 | 14 | 18 | 2 | - | 10 | 45 | |||||
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 | - | - | - | - | - | - | 1 | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 15 | 9 | | 29 | 24 | | - | - | | 31 | 35 | ||
| Total (I+II) | | 170 | 221 | | 917 | 1601 | | 154 | - | | 627 | 972 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 171 | 241 | 706 | 1067 | 284 | - | 442 | 616 | |||||
a) | Interest on deposits | 146 | 215 | 597 | 948 | 263 | - | 365 | 501 | |||||
b) | Interest on RBI/inter-bank borrowings | - | - | 110 | 118 | - | - | 77 | 114 | |||||
c) | Others | 25 | 26 | - | - | 20 | - | - | - | |||||
IV. | Operating expenses | 159 | 168 | 538 | 439 | 387 | - | 248 | 272 | |||||
a) | Payments to and provisions for employees | 122 | 140 | 486 | 380 | 343 | - | 218 | 240 | |||||
b) | Rent, taxes and lighting | 4 | 4 | 10 | 13 | 9 | - | 6 | 7 | |||||
c) | Printing and stationery | 2 | 2 | 9 | 10 | 2 | - | 3 | 3 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 3 | 3 | 4 | 4 | 2 | - | 1 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | - | - | 1 | 2 | - | - | 1 | 1 | |||||
h) | Law charges | - | - | - | - | - | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 1 | 2 | 3 | 4 | 1 | - | 3 | 3 | |||||
j) | Repairs and maintenance | - | - | 1 | 4 | - | - | 1 | 1 | |||||
k) | Insurance | 16 | 2 | 11 | 9 | 21 | - | - | - | |||||
l) | Other expenditure | 11 | 14 | 12 | 14 | 9 | - | 14 | 15 | |||||
V. | Provisions and contingencies | 546 | 93 | 587 | 702 | 232 | - | 12 | 73 | |||||
Total expenses | 876 | 501 | 1831 | 2208 | 903 | - | 702 | 961 | ||||||
VI. | Profit (loss) | (706) | (280) | | (914) | (607) | | (749) | - | | (75) | 12 | ||
Total (III+IV+V+VI) | | 170 | 221 | | 917 | 1601 | | 154 | - | | 627 | 972 |
| | | | | | | | | | | (Amount in Rs. lakh) | |||
For the year ended 31st March | ||||||||||||||
Items | Etawah Kshetriya | Faizabad | Faridkot Bhatinda | Farrukhabad | ||||||||||
Gramin Bank | Kshetriya Gramin | Kshetriya Gramin | Gramin Bank | |||||||||||
| Bank | Bank | | |||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | | (105) | (106) | | (107) | (108) | | (109) | (110) | | (111) | (112) |
Income | ||||||||||||||
I. | Interest earned | 389 | 475 | 787 | 1179 | 419 | 719 | 1322 | 1944 | |||||
a) | Interest/discount on advances/bills | 136 | 172 | 188 | 241 | 178 | 208 | 258 | 344 | |||||
b) | Income on investments | 54 | 62 | 167 | 308 | 10 | 88 | 362 | 530 | |||||
c) | Interest on balances with RBI and other | 198 | 241 | - | - | 231 | 423 | 13 | 3 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | 433 | 630 | - | - | 689 | 1066 | |||||
II. | Other income | 23 | 11 | 45 | 19 | 25 | 29 | 33 | 35 | |||||
a) | Commission, exchange, brokerage, etc. | 17 | 7 | 23 | 6 | 3 | 5 | 3 | 3 | |||||
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 | - | 1 | - | - | - | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 5 | 5 | | 21 | 13 | | 22 | 24 | | 30 | 32 | ||
| Total (I+II) | | 412 | 486 | | 832 | 1198 | | 444 | 748 | | 1355 | 1979 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 368 | 457 | 526 | 718 | 230 | 507 | 768 | 1045 | |||||
a) | Interest on deposits | 301 | 397 | 472 | 655 | 174 | 439 | 658 | 930 | |||||
b) | Interest on RBI/inter-bank borrowings | 67 | 59 | 3 | - | 22 | - | 110 | 114 | |||||
c) | Others | - | - | 51 | 63 | 35 | 68 | - | - | |||||
IV. | Operating expenses | 203 | 210 | 273 | 308 | 88 | 94 | 486 | 494 | |||||
a) | Payments to and provisions for employees | 177 | 190 | 231 | 254 | 66 | 68 | 446 | 443 | |||||
b) | Rent, taxes and lighting | 4 | 4 | 6 | 6 | 5 | 5 | 7 | 8 | |||||
c) | Printing and stationery | 1 | 1 | 3 | 5 | 1 | 1 | 7 | 8 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 2 | 4 | 4 | 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 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | |||||
j) | Repairs and maintenance | 1 | - | - | - | - | - | 1 | 1 | |||||
k) | Insurance | - | - | 3 | 6 | 1 | 1 | 3 | 11 | |||||
l) | Other expenditure | 17 | 11 | 24 | 30 | 12 | 16 | 17 | 17 | |||||
V. | Provisions and contingencies | 37 | 477 | 82 | 412 | 108 | 27 | 82 | 402 | |||||
Total expenses | 608 | 1144 | 880 | 1438 | 427 | 628 | 1337 | 1941 | ||||||
VI. | Profit (loss) | (197) | (658) | | (48) | (240) | | 17 | 120 | | 18 | 38 | ||
Total (III+IV+V+VI) | | 412 | 486 | | 832 | 1198 | | 444 | 748 | | 1355 | 1979 |
| | | | | | | | | | | (Amount in Rs. lakh) | |||
For the year ended 31st March | ||||||||||||||
Items | Fatehpur | Ganga Yamuna | Gaur | Giridih Kshetriya | ||||||||||
Kshetriya Gramin | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Bank | | | | |||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | | (113) | (114) | | (115) | (116) | | (117) | (118) | | (119) | (120) |
Income | ||||||||||||||
I. | Interest earned | 350 | 507 | 319 | 377 | 1043 | N | 160 | 289 | |||||
a) | Interest/discount on advances/bills | 128 | 149 | 99 | 80 | 509 | o | 35 | 71 | |||||
b) | Income on investments | 13 | 65 | 82 | 116 | 170 | t | 29 | 47 | |||||
c) | Interest on balances with RBI and other | 210 | 293 | 137 | 182 | 364 | A | 96 | 171 | |||||
inter-bank funds | v | |||||||||||||
d) | Others | - | - | - | - | - | a | - | - | |||||
i | ||||||||||||||
II. | Other income | 23 | 32 | 23 | 18 | 49 | l | 3 | 10 | |||||
a) | Commission, exchange, brokerage, etc. | 7 | 16 | 4 | 4 | 7 | a | 2 | 1 | |||||
b) | Net profit (loss) on sale of investments | - | - | - | - | - | b | - | - | |||||
c) | Net profit (loss) on revaluation of investments | - | - | - | - | - | l | - | - | |||||
d) | Net profit (loss) on sale of land, building | - | - | - | - | - | e | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | ||||||
f) | Miscellaneous income | 16 | 16 | | 20 | 14 | | 42 | | | 1 | 8 | ||
| Total (I+II) | | 373 | 539 | | 342 | 396 | | 1092 | | | 164 | 299 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 312 | 438 | 253 | 340 | 1043 | 114 | 184 | ||||||
a) | Interest on deposits | 258 | 384 | 227 | 313 | 879 | 106 | 174 | ||||||
b) | Interest on RBI/inter-bank borrowings | 54 | 54 | 23 | 23 | 12 | 7 | 10 | ||||||
c) | Others | - | - | 3 | 4 | 152 | - | - | ||||||
IV. | Operating expenses | 271 | 298 | 139 | 213 | 826 | 102 | 225 | ||||||
a) | Payments to and provisions for employees | 221 | 249 | 114 | 181 | 722 | 77 | 93 | ||||||
b) | Rent, taxes and lighting | 6 | 6 | 3 | 4 | 20 | 2 | 2 | ||||||
c) | Printing and stationery | 4 | 4 | 1 | 2 | 12 | 1 | 3 | ||||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | ||||||
e) | Depreciation on Bank's property | 1 | 2 | 1 | 2 | 3 | 1 | 119 | ||||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | ||||||
g) | Auditors' fees and expenses | - | 1 | - | - | 2 | - | - | ||||||
h) | Law charges | - | 1 | - | - | - | - | - | ||||||
i) | Postage, telegrams, telephones, etc. | 1 | 1 | - | - | 1 | - | - | ||||||
j) | Repairs and maintenance | 4 | 4 | - | - | 1 | - | - | ||||||
k) | Insurance | 27 | 2 | 13 | 17 | 7 | 1 | 2 | ||||||
l) | Other expenditure | 6 | 27 | 6 | 7 | 57 | 19 | 4 | ||||||
V. | Provisions and contingencies | 53 | 167 | - | - | 523 | 102 | - | ||||||
Total expenses | 636 | 903 | 393 | 553 | 2392 | 216 | 408 | |||||||
VI. | Profit (loss) | (263) | (364) | | (50) | (157) | | (1300) | | | (52) | (110) | ||
Total (III+IV+V+VI) | | 373 | 539 | | 342 | 396 | | 1092 | | | 164 | 299 |
Note | : | Figures in bracket indicate loss. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |