Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 15 of 26) - ਆਰਬੀਆਈ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 15 of 26)
REGIONAL RURAL BANKS |
| | | | | | | | | | | (Amount in Rs. lakh) | |||
For the year ended 31st March | ||||||||||||||
Items | Godavari | Golconda | Gomti | Gopalganj | ||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Kshetriya | |||||||||||
| | | Gramin Bank | |||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | | (121) | (122) | | (123) | (124) | | (125) | (126) | | (127) | (128) |
Income | ||||||||||||||
I. | Interest earned | 458 | 632 | 467 | 608 | 1201 | 1680 | 687 | 962 | |||||
a) | Interest/discount on advances/bills | 341 | 477 | 77 | 122 | 331 | 409 | 50 | 108 | |||||
b) | Income on investments | 31 | 59 | 275 | 346 | 266 | 540 | 98 | 120 | |||||
c) | Interest on balances with RBI and other | 86 | 96 | 70 | 81 | 604 | 731 | 538 | 734 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | 45 | 60 | - | - | - | - | |||||
II. | Other income | 24 | 16 | 17 | 10 | 34 | 40 | 10 | 14 | |||||
a) | Commission, exchange, brokerage, etc. | 2 | 5 | 8 | 10 | 10 | 10 | 2 | 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 | 22 | 11 | | 9 | - | | 23 | 30 | | 8 | 10 | ||
| Total (I+II) | | 482 | 648 | | 484 | 618 | | 1235 | 1721 | | 696 | 975 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 311 | 410 | 455 | 553 | 912 | 1255 | 406 | 562 | |||||
a) | Interest on deposits | 208 | 274 | 125 | 166 | 808 | 1138 | 389 | 547 | |||||
b) | Interest on RBI/inter-bank borrowings | 102 | 136 | 298 | 29 | 103 | 118 | 17 | 16 | |||||
c) | Others | 1 | - | 32 | 358 | - | - | - | - | |||||
IV. | Operating expenses | 115 | 132 | 98 | 93 | 366 | 406 | 219 | 246 | |||||
a) | Payments to and provisions for employees | 94 | 103 | 76 | 73 | 333 | 363 | 200 | 212 | |||||
b) | Rent, taxes and lighting | 5 | 9 | 3 | 4 | 9 | 8 | 3 | 3 | |||||
c) | Printing and stationery | 3 | 4 | 3 | 2 | 6 | 6 | 2 | 2 | |||||
d) | Advertisement and publicity | 1 | 2 | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 3 | 3 | 2 | 2 | 2 | 3 | 1 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 1 | 1 | - | - | 1 | 1 | - | - | |||||
h) | Law charges | - | - | - | - | - | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
j) | Repairs and maintenance | 1 | 2 | - | - | 1 | 1 | 1 | 1 | |||||
k) | Insurance | 1 | - | 8 | 4 | - | 8 | 6 | 21 | |||||
l) | Other expenditure | 5 | 6 | 5 | 6 | 14 | 15 | 5 | 4 | |||||
V. | Provisions and contingencies | 31 | 25 | - | 28 | 90 | 9 | - | 309 | |||||
Total expenses | 457 | 567 | 553 | 673 | 1368 | 1671 | 625 | 1118 | ||||||
VI. | Profit (loss) | 24 | 82 | | (70) | (55) | | (133) | 50 | | 71 | (142) | ||
Total (III+IV+V+VI) | | 482 | 648 | | 484 | 618 | | 1235 | 1721 | | 696 | 975 |
| | | | | | | | | | | (Amount in Rs. lakh) | |||
For the year ended 31st March | ||||||||||||||
Items | Gorakhpur | Gurdaspur Amritsar | Gurgaon | Gwalior Datia | ||||||||||
Kshetriya Gramin | Gramin Bank | Gramin Bank | Kshetriya Gramin | |||||||||||
Bank | | | Bank | |||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | | (129) | (130) | | (131) | (132) | | (133) | (134) | | (135) | (136) |
Income | ||||||||||||||
I. | Interest earned | 5187 | 6768 | 602 | 870 | 3248 | 4467 | 214 | 372 | |||||
a) | Interest/discount on advances/bills | 812 | 1034 | 223 | 261 | 636 | 1003 | 49 | 95 | |||||
b) | Income on investments | 4374 | 5735 | 175 | 256 | 472 | 3464 | 105 | - | |||||
c) | Interest on balances with RBI and other | - | - | 203 | 353 | 2140 | - | 59 | 203 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | - | 74 | |||||
II. | Other income | 80 | 58 | 13 | 16 | 90 | 179 | 4 | 3 | |||||
a) | Commission, exchange, brokerage, etc. | 53 | 48 | 10 | 11 | 9 | 11 | 3 | 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 | 1 | - | - | - | 1 | - | 1 | - | |||||
& other assets | ||||||||||||||
e) | Net profit (loss) on exchange transaction | - | - | - | - | - | - | - | - | |||||
f) | Miscellaneous income | 27 | 10 | | 3 | 5 | | 80 | 167 | | - | 1 | ||
| Total (I+II) | | 5267 | 6826 | | 615 | 886 | | 3338 | 4646 | | 218 | 375 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 2951 | 3815 | 444 | 537 | 2193 | 2782 | 212 | 311 | |||||
a) | Interest on deposits | 2620 | 3445 | 382 | 478 | 1940 | 2488 | 134 | 211 | |||||
b) | Interest on RBI/inter-bank borrowings | 331 | 370 | 61 | 59 | 253 | - | 19 | 26 | |||||
c) | Others | - | - | 1 | 1 | - | 294 | 59 | 74 | |||||
IV. | Operating expenses | 1278 | 1393 | 251 | 269 | 958 | 1010 | 92 | 229 | |||||
a) | Payments to and provisions for employees | 1179 | 1272 | 202 | 236 | 803 | 803 | 83 | 99 | |||||
b) | Rent, taxes and lighting | 17 | 18 | 5 | 6 | 16 | 18 | 3 | 3 | |||||
c) | Printing and stationery | 10 | 11 | 4 | 4 | 7 | 9 | 1 | 2 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 4 | 5 | 3 | 3 | 4 | 3 | 1 | 1 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 2 | 3 | 1 | 1 | 2 | 2 | - | - | |||||
h) | Law charges | 1 | 1 | - | - | 1 | 1 | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 4 | 4 | 2 | 2 | 2 | 3 | - | - | |||||
j) | Repairs and maintenance | 3 | 2 | - | - | 2 | 2 | - | - | |||||
k) | Insurance | 15 | 20 | 23 | 3 | 19 | 68 | 1 | 1 | |||||
l) | Other expenditure | 44 | 56 | 11 | 14 | 102 | 101 | 1 | 122 | |||||
V. | Provisions and contingencies | - | 238 | 45 | 373 | 6 | 1411 | - | - | |||||
Total expenses | 4230 | 5446 | 740 | 1179 | 3156 | 5204 | 304 | 539 | ||||||
VI. | Profit (loss) | 1038 | 1380 | | (125) | (293) | | 182 | (557) | | (86) | (164) | ||
Total (III+IV+V+VI) | | 5267 | 6826 | | 615 | 886 | | 3338 | 4646 | | 218 | 375 |
| | | | | | | | | | | (Amount in Rs. lakh) | |||
For the year ended 31st March | ||||||||||||||
Items | Hadoti Kshetriya | Haryana Kshetriya | Hazaribagh | Himachal | ||||||||||
Gramin Bank | Gramin Bank | Kshetriya | Gramin Bank | |||||||||||
| | Gramin Bank | | |||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | | (137) | (138) | | (139) | (140) | | (141) | (142) | | (143) | (144) |
Income | ||||||||||||||
I. | Interest earned | 512 | 831 | 869 | 17 | 286 | 449 | 1684 | 2311 | |||||
a) | Interest/discount on advances/bills | 262 | 374 | 153 | (993) | 38 | 67 | 328 | 424 | |||||
b) | Income on investments | 45 | 130 | 171 | 404 | 147 | 128 | 771 | 1129 | |||||
c) | Interest on balances with RBI and other | 205 | 327 | 546 | 606 | 102 | 255 | 583 | 756 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | - | - | - | 1 | 1 | |||||
II. | Other income | 47 | 32 | 63 | 63 | 12 | 23 | 69 | 79 | |||||
a) | Commission, exchange, brokerage, etc. | 13 | 18 | 27 | 33 | 2 | 3 | 30 | 64 | |||||
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 | 35 | 15 | | 35 | 30 | | 10 | 20 | | 40 | 15 | ||
| Total (I+II) | | 559 | 863 | | 932 | 80 | | 298 | 472 | | 1753 | 2390 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 510 | 804 | 876 | 1230 | 171 | 251 | 1226 | 1668 | |||||
a) | Interest on deposits | 452 | 701 | 827 | 1141 | 162 | 237 | 1155 | 1575 | |||||
b) | Interest on RBI/inter-bank borrowings | 58 | 103 | 49 | 89 | 9 | 14 | 1 | 1 | |||||
c) | Others | - | - | - | - | - | - | 70 | 93 | |||||
IV. | Operating expenses | 318 | 353 | 400 | 450 | 103 | 120 | 502 | 715 | |||||
a) | Payments to and provisions for employees | 271 | 302 | 363 | 403 | 88 | 104 | 402 | 607 | |||||
b) | Rent, taxes and lighting | 8 | 9 | 7 | 8 | 3 | 6 | 9 | 10 | |||||
c) | Printing and stationery | 4 | 5 | 3 | 2 | 1 | 1 | 5 | 4 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 3 | 3 | 3 | 2 | 4 | 2 | 2 | |||||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | - | - | 1 | 1 | |||||
h) | Law charges | - | 1 | 1 | 1 | - | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 3 | 3 | 1 | 2 | 1 | 1 | 4 | 4 | |||||
j) | Repairs and maintenance | - | - | - | - | 1 | 1 | 1 | 1 | |||||
k) | Insurance | 5 | 5 | 7 | 8 | - | 2 | 22 | 10 | |||||
l) | Other expenditure | 22 | 24 | 15 | 20 | 6 | 2 | 58 | 76 | |||||
V. | Provisions and contingencies | - | 958 | - | - | 6 | 63 | 17 | 276 | |||||
Total expenses | 827 | 2115 | 1276 | 1680 | 280 | 435 | 1745 | 2660 | ||||||
VI. | Profit (loss) | (268) | (1252) | | (344) | (1600) | | 18 | 38 | | 8 | (270) | ||
Total (III+IV+V+VI) | | 559 | 863 | | 932 | 80 | | 298 | 472 | | 1753 | 2390 |
Note | : | Figures in bracket indicate loss. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |