Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 16 of 26) - ஆர்பிஐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 16 of 26)
REGIONAL RURAL BANKS |
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|
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(Amount in Rs. lakh) |
|||||
For the year ended 31st March |
||||||||||||||
Hindon |
Hissar-Sirsa |
Howrah |
Indore Ujjain |
|||||||||||
Items |
Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||||||
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
||||
|
|
|
|
(145) |
(146) |
|
(147) |
(148) |
|
(149) |
(150) |
|
(151) |
(152) |
Income |
||||||||||||||
I. |
Interest earned |
121 |
213 |
547 |
780 |
911 |
1333 |
198 |
344 |
|||||
a) |
Interest/discount on advances/bills |
32 |
44 |
269 |
356 |
214 |
295 |
82 |
131 |
|||||
b) |
Income on investments |
27 |
52 |
108 |
155 |
523 |
592 |
115 |
208 |
|||||
c) |
Interest on balances with RBI and other |
61 |
- |
170 |
269 |
173 |
447 |
2 |
5 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
116 |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
9 |
4 |
37 |
30 |
49 |
58 |
17 |
23 |
|||||
a) |
Commission, exchange, brokerage, etc. |
3 |
3 |
4 |
5 |
33 |
41 |
(4) |
4 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
c) |
Net profit (loss) on revaluation of investments |
5 |
- |
- |
- |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
1 |
1 |
|
32 |
25 |
|
16 |
17 |
|
21 |
19 |
||
|
Total (I+II) |
|
129 |
217 |
|
583 |
810 |
|
960 |
1391 |
|
215 |
367 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
102 |
140 |
376 |
508 |
548 |
842 |
149 |
221 |
|||||
a) |
Interest on deposits |
96 |
132 |
299 |
410 |
515 |
806 |
124 |
187 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
6 |
8 |
4 |
3 |
33 |
36 |
25 |
34 |
|||||
c) |
Others |
- |
- |
73 |
94 |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
81 |
85 |
159 |
184 |
300 |
351 |
131 |
163 |
|||||
a) |
Payments to and provisions for employees |
60 |
65 |
134 |
154 |
268 |
295 |
113 |
142 |
|||||
b) |
Rent, taxes and lighting |
2 |
3 |
6 |
7 |
8 |
9 |
4 |
6 |
|||||
c) |
Printing and stationery |
1 |
1 |
2 |
3 |
4 |
6 |
3 |
1 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
1 |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
3 |
3 |
3 |
4 |
1 |
1 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
- |
- |
1 |
- |
1 |
1 |
1 |
1 |
|||||
k) |
Insurance |
12 |
9 |
3 |
3 |
6 |
25 |
1 |
1 |
|||||
l) |
Other expenditure |
4 |
4 |
9 |
12 |
9 |
9 |
7 |
9 |
|||||
V. |
Provisions and contingencies |
10 |
102 |
43 |
54 |
76 |
66 |
22 |
154 |
|||||
Total expenses |
192 |
326 |
577 |
746 |
925 |
1259 |
302 |
537 |
||||||
VI. |
Profit (loss) |
(63) |
(110) |
|
6 |
64 |
|
35 |
132 |
|
(87) |
(170) |
||
Total (III+IV+V+VI) |
|
129 |
217 |
|
583 |
810 |
|
960 |
1391 |
|
215 |
367 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Jaipur Nagaur Anchalik |
Jammu Rural |
Jamnagar |
Jamuna |
|||||||||||
Gramin Bank |
Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(153) |
(154) |
|
(155) |
(156) |
|
(157) |
(158) |
|
(159) |
(160) |
Income |
||||||||||||||
I. |
Interest earned |
1808 |
2267 |
1203 |
1925 |
481 |
605 |
395 |
785 |
|||||
a) |
Interest/discount on advances/bills |
337 |
524 |
155 |
228 |
219 |
189 |
252 |
332 |
|||||
b) |
Income on investments |
619 |
641 |
107 |
221 |
- |
134 |
86 |
257 |
|||||
c) |
Interest on balances with RBI and other |
852 |
1101 |
941 |
1476 |
262 |
282 |
56 |
196 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
1 |
- |
|||||
II. |
Other income |
59 |
131 |
12 |
15 |
4 |
8 |
45 |
63 |
|||||
a) |
Commission, exchange, brokerage, etc. |
15 |
16 |
3 |
5 |
4 |
8 |
25 |
38 |
|||||
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 |
- |
2 |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
44 |
113 |
|
9 |
11 |
|
- |
- |
|
20 |
25 |
||
|
Total (I+II) |
|
1867 |
2398 |
|
1215 |
1940 |
|
485 |
613 |
|
440 |
848 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
1125 |
1654 |
756 |
1167 |
409 |
553 |
341 |
584 |
|||||
a) |
Interest on deposits |
1053 |
1580 |
725 |
1123 |
341 |
465 |
283 |
503 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
71 |
74 |
- |
- |
69 |
87 |
6 |
8 |
|||||
c) |
Others |
- |
- |
31 |
44 |
- |
- |
51 |
74 |
|||||
IV. |
Operating expenses |
689 |
698 |
408 |
455 |
220 |
231 |
201 |
228 |
|||||
a) |
Payments to and provisions for employees |
611 |
616 |
359 |
404 |
203 |
210 |
162 |
176 |
|||||
b) |
Rent, taxes and lighting |
9 |
10 |
8 |
9 |
4 |
5 |
9 |
9 |
|||||
c) |
Printing and stationery |
6 |
7 |
9 |
8 |
3 |
4 |
2 |
3 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
2 |
2 |
3 |
1 |
1 |
3 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
2 |
1 |
1 |
- |
1 |
- |
1 |
|||||
h) |
Law charges |
1 |
1 |
1 |
1 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
4 |
4 |
1 |
2 |
1 |
1 |
2 |
3 |
|||||
j) |
Repairs and maintenance |
1 |
- |
- |
1 |
- |
1 |
- |
- |
|||||
k) |
Insurance |
34 |
35 |
5 |
7 |
2 |
2 |
- |
- |
|||||
l) |
Other expenditure |
21 |
21 |
21 |
20 |
5 |
6 |
21 |
32 |
|||||
V. |
Provisions and contingencies |
- |
344 |
45 |
293 |
- |
- |
39 |
231 |
|||||
Total expenses |
1813 |
2695 |
1209 |
1915 |
629 |
783 |
581 |
1043 |
||||||
VI. |
Profit (loss) |
53 |
(297) |
|
6 |
25 |
|
(144) |
(171) |
|
(141) |
(196) |
||
Total (III+IV+V+VI) |
|
1867 |
2398 |
|
1215 |
1940 |
|
485 |
613 |
|
440 |
848 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Jhbua Dhar Kshetriya |
Junagadh Amreli |
Ka Bank |
Kakathiya |
|||||||||||
Gramin Bank |
Gramin Bank |
Nongkyndong |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(161) |
(162) |
|
(163) |
(164) |
|
(165) |
(166) |
|
(167) |
(168) |
Income |
||||||||||||||
I. |
Interest earned |
368 |
604 |
237 |
340 |
604 |
994 |
355 |
373 |
|||||
a) |
Interest/discount on advances/bills |
256 |
373 |
74 |
94 |
49 |
85 |
267 |
225 |
|||||
b) |
Income on investments |
3 |
10 |
28 |
78 |
392 |
622 |
- |
- |
|||||
c) |
Interest on balances with RBI and other |
109 |
220 |
135 |
169 |
163 |
288 |
88 |
148 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
33 |
29 |
14 |
26 |
46 |
35 |
36 |
28 |
|||||
a) |
Commission, exchange, brokerage, etc. |
5 |
5 |
5 |
17 |
38 |
31 |
8 |
7 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
10 |
- |
- |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
28 |
24 |
|
- |
9 |
|
8 |
4 |
|
29 |
21 |
||
|
Total (I+II) |
|
401 |
634 |
|
251 |
366 |
|
651 |
1030 |
|
391 |
401 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
440 |
614 |
193 |
261 |
325 |
484 |
265 |
325 |
|||||
a) |
Interest on deposits |
347 |
510 |
162 |
218 |
289 |
436 |
178 |
225 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
94 |
104 |
25 |
33 |
36 |
48 |
86 |
99 |
|||||
c) |
Others |
- |
- |
7 |
10 |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
346 |
380 |
136 |
142 |
178 |
189 |
208 |
203 |
|||||
a) |
Payments to and provisions for employees |
312 |
341 |
117 |
122 |
148 |
153 |
163 |
165 |
|||||
b) |
Rent, taxes and lighting |
8 |
9 |
3 |
3 |
8 |
9 |
6 |
6 |
|||||
c) |
Printing and stationery |
5 |
4 |
1 |
3 |
2 |
5 |
4 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
1 |
1 |
2 |
2 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
- |
- |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
1 |
1 |
1 |
- |
1 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
- |
- |
- |
1 |
|||||
k) |
Insurance |
1 |
6 |
2 |
2 |
3 |
4 |
22 |
3 |
|||||
l) |
Other expenditure |
15 |
13 |
11 |
9 |
14 |
15 |
9 |
21 |
|||||
V. |
Provisions and contingencies |
- |
1001 |
29 |
- |
140 |
268 |
776 |
41 |
|||||
Total expenses |
786 |
1994 |
359 |
403 |
643 |
940 |
643 |
569 |
||||||
VI. |
Profit (loss) |
(385) |
(1360) |
|
(108) |
(37) |
|
8 |
89 |
|
(252) |
(168) |
||
Total (III+IV+V+VI) |
|
401 |
634 |
|
251 |
366 |
|
651 |
1030 |
|
391 |
401 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |