Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 21 of 26) - ଆରବିଆଇ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 21 of 26)
REGIONAL RURAL BANKS |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31 March | ||||||||||||||
Patliputra | Pinakini | Pithoragarh | Pragjyotish Gaonlia | |||||||||||
Gramin Bank | Gramin Bank | Kshetriya Gramin Bank | Gaonlia Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (265) | (266) | | (267) | (268) | | (269) | (270) | | (271) | (272) |
Income | ||||||||||||||
I. | Interest earned | 62 | 121 | 758 | 1220 | 355 | 486 | 2180 | 2058 | |||||
a) | Interest/discount on advances/bills | 14 | 27 | 498 | 763 | 129 | 147 | 946 | 586 | |||||
b) | Income on investments | 16 | 51 | - | - | 83 | 125 | - | 1472 | |||||
c) | Interest on balances with RBI and other | 32 | 43 | 260 | 456 | 142 | 214 | 1234 | - | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||||
II. | Other income | 1 | 1 | 39 | 64 | 15 | 20 | 73 | 78 | |||||
a) | Commission, exchange, brokerage, etc. | - | 1 | 18 | 24 | 5 | 18 | 31 | 42 | |||||
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 | - | - | - | - | - | - | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | - | 1 | | 20 | 40 | | 10 | 2 | | 41 | 36 | ||
| Total (I+II) | | 62 | 123 | | 797 | 1283 | | 370 | 507 | | 2253 | 2136 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 86 | 133 | 648 | 832 | 235 | 362 | 1111 | 1549 | |||||
a) | Interest on deposits | 81 | 130 | 508 | 663 | 211 | 329 | 890 | 1303 | |||||
b) | Interest on RBI/inter-bank borrowings | 4 | 4 | 140 | 169 | 24 | 33 | 222 | 246 | |||||
c) | Others | - | - | - | - | - | - | - | - | |||||
IV. | Operating expenses | 70 | 66 | 482 | 572 | 93 | 94 | 1048 | 1085 | |||||
a) | Payments to and provisions for employees | 54 | 54 | 385 | 494 | 78 | 78 | 897 | 936 | |||||
b) | Rent, taxes and lighting | 2 | 3 | 10 | 13 | 5 | 5 | 25 | 25 | |||||
c) | Printing and stationery | 1 | 1 | 6 | 7 | 2 | 2 | 13 | 17 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 2 | 4 | 4 | 1 | 1 | 7 | 7 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | - | - | 1 | 2 | - | - | 2 | 3 | |||||
h) | Law charges | - | - | 1 | 1 | - | - | 1 | - | |||||
i) | Postage, telegrams, telephones, etc. | - | 1 | 3 | 4 | 1 | 1 | 4 | 4 | |||||
j) | Repairs and maintenance | - | 1 | - | - | - | - | 2 | 2 | |||||
k) | Insurance | 1 | 1 | 2 | - | 2 | 2 | 5 | 6 | |||||
l) | Other expenditure | 7 | 4 | 70 | 47 | 6 | 6 | 93 | 84 | |||||
V. | Provisions and contingencies | - | - | - | 734 | - | - | 442 | 1872 | |||||
Total expenses | 155 | 200 | 1129 | 2138 | 328 | 456 | 2602 | 4506 | ||||||
VI. | Profit (loss) | (93) | (77) | | (332) | (855) | | 41 | 50 | | (349) | (2370) | ||
Total (III+IV+V+VI) | | 62 | 123 | | 797 | 1283 | | 370 | 507 | | 2253 | 2136 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31 March | ||||||||||||||
Pratapgarh Kshetriya | Prathama | Puri | Rae Bareli Kshetriya | |||||||||||
Gramin Bank | Bank | Gramin Bank | Gaonlia Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (273) | (274) | | (275) | (276) | | (277) | (278) | | (279) | (280) |
Income | ||||||||||||||
I. | Interest earned | 709 | 1095 | 2824 | 4381 | 596 | 886 | 842 | 1264 | |||||
a) | Interest/discount on advances/bills | 202 | 279 | 1571 | 2268 | 317 | 405 | 187 | 225 | |||||
b) | Income on investments | 495 | 803 | 1170 | 2058 | 275 | 481 | 189 | 259 | |||||
c) | Interest on balances with RBI and other | 12 | 13 | 83 | 55 | 4 | - | 466 | 780 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||||
II. | Other income | 25 | 52 | 296 | 282 | 30 | 42 | 50 | 51 | |||||
a) | Commission, exchange, brokerage, etc. | 9 | 42 | 21 | 29 | 16 | 24 | 4 | 6 | |||||
b) | Net profit (loss) on sale of investments | - | - | - | - | 1 | - | - | - | |||||
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 | 16 | 10 | | 274 | 252 | | 14 | 18 | | 46 | 46 | ||
| Total (I+II) | | 735 | 1147 | | 3120 | 4663 | | 626 | 928 | | 892 | 1316 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 536 | 791 | 1786 | 2221 | 641 | 916 | 629 | 867 | |||||
a) | Interest on deposits | 495 | 744 | 1273 | 1639 | 487 | 731 | 577 | 816 | |||||
b) | Interest on RBI/inter-bank borrowings | 41 | 48 | 513 | 582 | 154 | 186 | 52 | 51 | |||||
c) | Others | - | - | - | - | - | - | - | - | |||||
IV. | Operating expenses | 371 | 360 | 1366 | 1361 | 544 | 607 | 367 | 469 | |||||
a) | Payments to and provisions for employees | 295 | 323 | 1146 | 1163 | 485 | 530 | 321 | 339 | |||||
b) | Rent, taxes and lighting | 6 | 7 | 29 | 30 | 14 | 15 | 5 | 6 | |||||
c) | Printing and stationery | 3 | 4 | 13 | 19 | 6 | 8 | 5 | 5 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 3 | 6 | 6 | 2 | 2 | 3 | 3 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 1 | 1 | 2 | 3 | 1 | 2 | 1 | 1 | |||||
h) | Law charges | - | - | 1 | 1 | - | - | - | 1 | |||||
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 12 | 12 | 2 | 2 | 2 | 2 | |||||
j) | Repairs and maintenance | 1 | - | 2 | 3 | - | 1 | 2 | 3 | |||||
k) | Insurance | 48 | 6 | 118 | 83 | 9 | 20 | 13 | 13 | |||||
l) | Other expenditure | 14 | 16 | 37 | 43 | 24 | 29 | 16 | 97 | |||||
V. | Provisions and contingencies | 1268 | 235 | 194 | 1513 | 70 | 194 | 11 | 189 | |||||
Total expenses | 2175 | 1386 | 3346 | 5095 | 1255 | 1718 | 1007 | 1526 | ||||||
VI. | Profit (loss) | (1441) | (239) | | (226) | (433) | | (629) | (789) | | (115) | (210) | ||
Total (III+IV+V+VI) | | 735 | 1147 | | 3120 | 4663 | | 626 | 928 | | 892 | 1316 |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Raigarh Kshetriya | Rajgarh Kshetriya | Ranchi Kshetriya | Rani Laxmibai | |||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Kshetriya Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (281) | (282) | | (283) | (284) | | (285) | (286) | | (287) | (288) |
Income | ||||||||||||||
I. | Interest earned | 270 | 440 | 207 | 207 | 272 | 635 | 145 | 238 | |||||
a) | Interest/discount on advances/bills | 69 | 124 | 92 | 92 | 112 | 221 | 71 | 98 | |||||
b) | Income on investments | 53 | 67 | 46 | 46 | 52 | 199 | - | - | |||||
c) | Interest on balances with RBI and other | 148 | 249 | 69 | 69 | 108 | 214 | - | - | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | 74 | 140 | |||||
II. | Other income | 21 | 17 | 6 | 6 | 82 | 26 | 5 | 7 | |||||
a) | Commission, exchange, brokerage, etc. | 9 | 8 | 3 | 3 | 3 | 1 | 2 | 2 | |||||
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 | - | - | - | - | - | - | - | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 13 | 9 | | 3 | 3 | | 79 | 25 | | 3 | 5 | ||
| Total (I+II) | | 291 | 457 | | 213 | 213 | | 354 | 661 | | 150 | 245 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 276 | 418 | 205 | 205 | 313 | 501 | 237 | 326 | |||||
a) | Interest on deposits | 256 | 393 | 183 | 183 | 295 | 458 | 188 | 278 | |||||
b) | Interest on RBI/inter-bank borrowings | 20 | 24 | 3 | 3 | - | - | - | - | |||||
c) | Others | - | - | 19 | 19 | 18 | 43 | 49 | 47 | |||||
IV. | Operating expenses | 238 | 254 | 163 | 163 | 316 | 348 | 215 | 210 | |||||
a) | Payments to and provisions for employees | 203 | 225 | 141 | 141 | 280 | 299 | 162 | 184 | |||||
b) | Rent, taxes and lighting | 5 | 6 | 6 | 6 | 8 | 9 | 34 | 10 | |||||
c) | Printing and stationery | 3 | 4 | 3 | 3 | 3 | 4 | 3 | 3 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 1 | 1 | 2 | 2 | 1 | 2 | 2 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | - | - | - | - | - | 1 | - | 1 | |||||
h) | Law charges | - | - | - | - | 1 | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
j) | Repairs and maintenance | - | 1 | - | - | 1 | 1 | - | - | |||||
k) | Insurance | 9 | 3 | - | - | 1 | - | - | - | |||||
l) | Other expenditure | 15 | 11 | 10 | 10 | 21 | 31 | 12 | 7 | |||||
V. | Provisions and contingencies | - | - | 15 | 15 | 74 | 223 | 30 | 174 | |||||
Total expenses | 514 | 672 | 383 | 383 | 703 | 1072 | 482 | 710 | ||||||
VI. | Profit (loss) | (223) | (215) | | (170) | (170) | | (349) | (411) | | (332) | (465) | ||
Total (III+IV+V+VI) | | 291 | 457 | | 213 | 213 | | 354 | 661 | | 150 | 245 |
Note | : Figures in bracket indicate loss. |
- | : Nil or negligible. |
Source | : Annual accounts of banks. |