Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 23 of 26) - ଆରବିଆଇ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 23 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||||
Saran Kshetriya |
Sarayu |
Shahajahanpur |
Shahdol Kshetriya |
|||||||||||
Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
Gaonlia Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(313) |
(314) |
|
(315) |
(316) |
|
(317) |
(318) |
|
(319) |
(320) |
Income |
||||||||||||||
I. |
Interest earned |
105 |
414 |
565 |
727 |
300 |
403 |
93 |
300 |
|||||
a) |
Interest/discount on advances/bills |
56 |
100 |
145 |
178 |
118 |
163 |
19 |
48 |
|||||
b) |
Income on investments |
- |
- |
408 |
543 |
35 |
60 |
- |
- |
|||||
c) |
Interest on balances with RBI and other |
50 |
313 |
12 |
6 |
147 |
180 |
74 |
252 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
1 |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
144 |
4 |
27 |
16 |
22 |
37 |
8 |
16 |
|||||
a) |
Commission, exchange, brokerage, etc. |
1 |
2 |
26 |
16 |
3 |
11 |
8 |
6 |
|||||
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 |
143 |
2 |
|
1 |
- |
|
19 |
26 |
|
- |
10 |
||
|
Total (I+II) |
|
249 |
418 |
|
592 |
743 |
|
322 |
440 |
|
100 |
315 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
331 |
487 |
283 |
364 |
205 |
278 |
172 |
267 |
|||||
a) |
Interest on deposits |
318 |
471 |
239 |
314 |
152 |
210 |
167 |
259 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
13 |
16 |
44 |
50 |
- |
- |
6 |
7 |
|||||
c) |
Others |
- |
- |
1 |
- |
54 |
68 |
- |
- |
|||||
IV. |
Operating expenses |
225 |
237 |
184 |
170 |
176 |
146 |
187 |
185 |
|||||
a) |
Payments to and provisions for employees |
196 |
222 |
140 |
147 |
109 |
119 |
161 |
153 |
|||||
b) |
Rent, taxes and lighting |
3 |
3 |
4 |
5 |
3 |
3 |
3 |
4 |
|||||
c) |
Printing and stationery |
2 |
3 |
2 |
2 |
3 |
2 |
2 |
2 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
2 |
2 |
2 |
1 |
1 |
1 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
1 |
- |
- |
- |
1 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
2 |
2 |
1 |
2 |
- |
- |
|||||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
3 |
3 |
- |
- |
|||||
k) |
Insurance |
6 |
4 |
26 |
5 |
2 |
11 |
11 |
13 |
|||||
l) |
Other expenditure |
15 |
3 |
7 |
6 |
53 |
4 |
9 |
11 |
|||||
V. |
Provisions and contingencies |
1083 |
432 |
96 |
42 |
49 |
- |
- |
154 |
|||||
Total expenses |
1639 |
1157 |
563 |
575 |
430 |
424 |
359 |
605 |
||||||
VI. |
Profit (loss) |
(1389) |
(739) |
|
28 |
167 |
|
(108) |
16 |
|
(259) |
(290) |
||
Total (III+IV+V+VI) |
|
249 |
418 |
|
592 |
743 |
|
322 |
440 |
|
100 |
315 |
|
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|
|
|
|
|
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(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Sharda |
Shekhawati |
Shivalik Kshetriya |
Shivpuri Kshetriya |
|||||||||||
Gramin Bank |
Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(321) |
(322) |
|
(323) |
(324) |
|
(325) |
(326) |
|
(327) |
(328) |
Income |
||||||||||||||
I. |
Interest earned |
497 |
702 |
1119 |
1511 |
652 |
905 |
338 |
584 |
|||||
a) |
Interest/discount on advances/bills |
72 |
98 |
417 |
581 |
177 |
201 |
117 |
183 |
|||||
b) |
Income on investments |
11 |
128 |
204 |
516 |
212 |
333 |
34 |
58 |
|||||
c) |
Interest on balances with RBI and other |
415 |
475 |
498 |
414 |
263 |
371 |
187 |
342 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
8 |
50 |
63 |
115 |
44 |
56 |
16 |
32 |
|||||
a) |
Commission, exchange, brokerage, etc. |
8 |
47 |
46 |
13 |
3 |
4 |
8 |
11 |
|||||
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 |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
- |
3 |
|
17 |
101 |
|
40 |
52 |
|
8 |
21 |
||
|
Total (I+II) |
|
505 |
752 |
|
1183 |
1625 |
|
695 |
960 |
|
354 |
615 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
396 |
526 |
976 |
1241 |
399 |
564 |
401 |
614 |
|||||
a) |
Interest on deposits |
376 |
508 |
857 |
1110 |
355 |
516 |
374 |
580 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
- |
- |
44 |
48 |
27 |
34 |
|||||
c) |
Others |
20 |
18 |
118 |
131 |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
384 |
286 |
536 |
554 |
186 |
196 |
262 |
302 |
|||||
a) |
Payments to and provisions for employees |
345 |
261 |
446 |
482 |
156 |
172 |
239 |
269 |
|||||
b) |
Rent, taxes and lighting |
4 |
5 |
4 |
5 |
4 |
4 |
9 |
10 |
|||||
c) |
Printing and stationery |
3 |
3 |
5 |
5 |
2 |
3 |
3 |
5 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
4 |
3 |
2 |
2 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
1 |
1 |
2 |
- |
1 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
1 |
2 |
1 |
1 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
5 |
4 |
1 |
1 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
- |
1 |
1 |
1 |
1 |
- |
1 |
1 |
|||||
k) |
Insurance |
19 |
3 |
2 |
1 |
5 |
- |
- |
4 |
|||||
l) |
Other expenditure |
10 |
9 |
67 |
49 |
14 |
11 |
5 |
8 |
|||||
V. |
Provisions and contingencies |
78 |
481 |
30 |
854 |
31 |
140 |
121 |
36 |
|||||
Total expenses |
858 |
1292 |
1541 |
2649 |
616 |
901 |
784 |
953 |
||||||
VI. |
Profit (loss) |
(353) |
(540) |
|
(358) |
(1023) |
|
79 |
60 |
|
(430) |
(337) |
||
Total (III+IV+V+VI) |
|
505 |
752 |
|
1183 |
1625 |
|
695 |
960 |
|
354 |
615 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31 March |
||||||||||||||
Shri Sathavahana |
Shri Venkateshwara |
Singhbhum |
Siwan Kshetriya |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(329) |
(330) |
|
(331) |
(332) |
|
(333) |
(334) |
|
(335) |
(336) |
Income |
||||||||||||||
I. |
Interest earned |
511 |
801 |
785 |
1433 |
442 |
759 |
858 |
1165 |
|||||
a) |
Interest/discount on advances/bills |
245 |
417 |
522 |
928 |
72 |
133 |
199 |
205 |
|||||
b) |
Income on investments |
60 |
129 |
13 |
32 |
181 |
331 |
111 |
113 |
|||||
c) |
Interest on balances with RBI and other |
197 |
255 |
250 |
473 |
190 |
295 |
548 |
846 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
9 |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
24 |
28 |
58 |
56 |
16 |
15 |
19 |
14 |
|||||
a) |
Commission, exchange, brokerage, etc. |
14 |
19 |
21 |
26 |
4 |
3 |
4 |
5 |
|||||
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 |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
10 |
9 |
|
36 |
30 |
|
11 |
12 |
|
15 |
9 |
||
|
Total (I+II) |
|
535 |
829 |
|
842 |
1488 |
|
458 |
774 |
|
877 |
1180 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
460 |
615 |
634 |
869 |
364 |
583 |
519 |
793 |
|||||
a) |
Interest on deposits |
360 |
516 |
472 |
661 |
346 |
561 |
491 |
769 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
100 |
99 |
162 |
209 |
18 |
22 |
28 |
24 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
251 |
239 |
409 |
518 |
292 |
325 |
303 |
304 |
|||||
a) |
Payments to and provisions for employees |
190 |
183 |
361 |
463 |
263 |
288 |
261 |
280 |
|||||
b) |
Rent, taxes and lighting |
5 |
7 |
10 |
11 |
6 |
7 |
4 |
5 |
|||||
c) |
Printing and stationery |
4 |
5 |
6 |
7 |
9 |
6 |
3 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
3 |
3 |
2 |
2 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
6 |
6 |
1 |
1 |
- |
- |
|||||
j) |
Repairs and maintenance |
1 |
1 |
2 |
3 |
1 |
1 |
- |
- |
|||||
k) |
Insurance |
41 |
31 |
4 |
5 |
1 |
2 |
7 |
6 |
|||||
l) |
Other expenditure |
8 |
8 |
16 |
18 |
9 |
17 |
24 |
6 |
|||||
V. |
Provisions and contingencies |
69 |
443 |
1179 |
119 |
13 |
441 |
- |
- |
|||||
Total expenses |
780 |
1297 |
2222 |
1507 |
669 |
1349 |
822 |
1292 |
||||||
VI. |
Profit (loss) |
(246) |
(468) |
|
(1380) |
(19) |
|
(211) |
(575) |
|
55 |
(112) |
||
Total (III+IV+V+VI) |
|
535 |
829 |
|
842 |
1488 |
|
458 |
774 |
|
877 |
1180 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |