Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 19 of 26) - ஆர்பிஐ - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 19 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||||
Manipur |
Manjira |
Marathwada |
Marudhar Kshetriya |
|||||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(217) |
(218) |
|
(219) |
(220) |
|
(221) |
(222) |
|
(223) |
(224) |
Income |
||||||||||||||
I. |
Interest earned |
99 |
137 |
907 |
1233 |
1860 |
2640 |
156 |
251 |
|||||
a) |
Interest/discount on advances/bills |
25 |
29 |
580 |
824 |
778 |
959 |
69 |
121 |
|||||
b) |
Income on investments |
- |
11 |
126 |
186 |
1058 |
1662 |
- |
4 |
|||||
c) |
Interest on balances with RBI and other |
75 |
97 |
201 |
223 |
24 |
19 |
- |
- |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
87 |
126 |
|||||
II. |
Other income |
5 |
5 |
151 |
143 |
146 |
126 |
17 |
14 |
|||||
a) |
Commission, exchange, brokerage, etc. |
1 |
1 |
15 |
15 |
137 |
110 |
1 |
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 |
- |
- |
- |
2 |
- |
- |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
4 |
4 |
|
136 |
126 |
|
9 |
15 |
|
15 |
12 |
||
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Total (I+II) |
|
104 |
142 |
|
1058 |
1376 |
|
2006 |
2766 |
|
173 |
265 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
97 |
91 |
688 |
909 |
1311 |
1765 |
256 |
386 |
|||||
a) |
Interest on deposits |
42 |
62 |
461 |
665 |
1030 |
1405 |
238 |
363 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
54 |
29 |
227 |
244 |
281 |
360 |
- |
- |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
19 |
23 |
|||||
IV. |
Operating expenses |
111 |
384 |
387 |
484 |
1042 |
1133 |
237 |
281 |
|||||
a) |
Payments to and provisions for employees |
102 |
111 |
330 |
327 |
878 |
986 |
211 |
243 |
|||||
b) |
Rent, taxes and lighting |
4 |
4 |
7 |
9 |
24 |
26 |
4 |
5 |
|||||
c) |
Printing and stationery |
2 |
2 |
9 |
5 |
13 |
16 |
4 |
4 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
1 |
5 |
6 |
5 |
6 |
2 |
1 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
2 |
3 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
1 |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
3 |
3 |
7 |
8 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
- |
- |
1 |
1 |
- |
- |
- |
- |
|||||
k) |
Insurance |
1 |
1 |
13 |
5 |
51 |
11 |
1 |
3 |
|||||
l) |
Other expenditure |
1 |
264 |
18 |
126 |
62 |
77 |
13 |
24 |
|||||
V. |
Provisions and contingencies |
- |
- |
360 |
460 |
- |
59 |
34 |
49 |
|||||
Total expenses |
208 |
475 |
1436 |
1853 |
2353 |
2956 |
527 |
716 |
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VI. |
Profit (loss) |
(103) |
(333) |
|
(377) |
(477) |
|
(347) |
(191) |
|
(354) |
(452) |
||
Total (III+IV+V+VI) |
|
104 |
142 |
|
1058 |
1376 |
|
2006 |
2766 |
|
173 |
265 |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||||
Marwar |
Mayurakshi |
Mewar Anchalik |
Mithila Kshetriya |
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Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(225) |
(226) |
|
(227) |
(228) |
|
(229) |
(230) |
|
(231) |
(232) |
Income |
||||||||||||||
I. |
Interest earned |
1887 |
2657 |
683 |
1037 |
409 |
728 |
253 |
414 |
|||||
a) |
Interest/discount on advances/bills |
488 |
713 |
245 |
343 |
118 |
206 |
74 |
109 |
|||||
b) |
Income on investments |
679 |
997 |
- |
- |
98 |
152 |
- |
- |
|||||
c) |
Interest on balances with RBI and other |
718 |
946 |
283 |
448 |
17 |
3 |
179 |
303 |
|||||
inter-bank funds |
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d) |
Others |
1 |
- |
155 |
247 |
176 |
367 |
- |
1 |
|||||
II. |
Other income |
89 |
54 |
62 |
95 |
47 |
46 |
7 |
11 |
|||||
a) |
Commission, exchange, brokerage, etc. |
75 |
52 |
53 |
88 |
5 |
7 |
5 |
7 |
|||||
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 |
14 |
2 |
|
8 |
8 |
|
42 |
39 |
|
1 |
4 |
||
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Total (I+II) |
|
1976 |
2711 |
|
745 |
1133 |
|
457 |
775 |
|
259 |
425 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
1375 |
1961 |
631 |
1076 |
370 |
618 |
347 |
498 |
|||||
a) |
Interest on deposits |
1292 |
1854 |
570 |
1005 |
337 |
577 |
304 |
465 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
83 |
108 |
61 |
71 |
33 |
41 |
43 |
32 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
595 |
653 |
469 |
501 |
228 |
255 |
393 |
870 |
|||||
a) |
Payments to and provisions for employees |
539 |
590 |
436 |
464 |
198 |
218 |
282 |
310 |
|||||
b) |
Rent, taxes and lighting |
9 |
11 |
7 |
7 |
8 |
9 |
5 |
5 |
|||||
c) |
Printing and stationery |
6 |
8 |
5 |
6 |
5 |
4 |
2 |
3 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
1 |
1 |
5 |
5 |
1 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
- |
- |
- |
1 |
|||||
h) |
Law charges |
1 |
- |
- |
1 |
- |
- |
1 |
1 |
|||||
i) |
Postage, telegrams, telephones, etc. |
5 |
5 |
1 |
1 |
2 |
3 |
- |
1 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
- |
1 |
1 |
2 |
|||||
k) |
Insurance |
1 |
2 |
4 |
7 |
- |
- |
1 |
1 |
|||||
l) |
Other expenditure |
31 |
32 |
13 |
13 |
9 |
14 |
99 |
546 |
|||||
V. |
Provisions and contingencies |
- |
- |
105 |
280 |
- |
26 |
- |
- |
|||||
Total expenses |
1971 |
2614 |
1205 |
1857 |
598 |
899 |
740 |
1368 |
||||||
VI. |
Profit (loss) |
6 |
97 |
|
(460) |
(724) |
|
(142) |
(125) |
|
(480) |
(943) |
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Total (III+IV+V+VI) |
|
1976 |
2711 |
|
745 |
1133 |
|
457 |
775 |
|
259 |
425 |
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(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Mizoram |
Monghyr Kshetriya |
Murshidabad |
Muzaffarnagar |
|||||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(233) |
(234) |
|
(235) |
(236) |
|
(237) |
(238) |
|
(239) |
(240) |
Income |
||||||||||||||
I. |
Interest earned |
876 |
1426 |
286 |
250 |
336 |
||||||||
a) |
Interest/discount on advances/bills |
160 |
370 |
132 |
89 |
89 |
||||||||
b) |
Income on investments |
15 |
215 |
66 |
81 |
126 |
||||||||
c) |
Interest on balances with RBI and other |
N |
N |
701 |
841 |
88 |
N |
79 |
121 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
||||||||
O |
O |
O |
||||||||||||
II. |
Other income |
78 |
80 |
9 |
28 |
13 |
||||||||
T |
T |
T |
||||||||||||
a) |
Commission, exchange, brokerage, etc. |
14 |
14 |
4 |
1 |
1 |
||||||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
- |
||||||||
c) |
Net profit (loss) on revaluation of investments |
A |
A |
- |
- |
- |
A |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
|||||||||||||
& other assets |
- |
- |
- |
- |
- |
|||||||||
e) |
Net profit (loss) on exchange transaction |
V |
V |
V |
||||||||||
f) |
Miscellaneous income |
|
|
64 |
66 |
|
5 |
|
|
27 |
11 |
|||
|
Total (I+II) |
|
|
|
|
916 |
1507 |
|
295 |
|
|
278 |
348 |
|
Expenditure & Provisions |
A |
A |
A |
|||||||||||
III. |
Interest expended |
667 |
907 |
205 |
154 |
244 |
||||||||
I |
I |
I |
||||||||||||
a) |
Interest on deposits |
642 |
892 |
175 |
119 |
207 |
||||||||
b) |
Interest on RBI/inter-bank borrowings |
26 |
16 |
30 |
8 |
12 |
||||||||
c) |
Others |
L |
L |
- |
- |
- |
L |
27 |
26 |
|||||
IV. |
Operating expenses |
A |
A |
486 |
569 |
176 |
A |
102 |
121 |
|||||
a) |
Payments to and provisions for employees |
457 |
526 |
123 |
87 |
100 |
||||||||
b) |
Rent, taxes and lighting |
B |
B |
9 |
10 |
4 |
B |
3 |
3 |
|||||
c) |
Printing and stationery |
4 |
4 |
3 |
1 |
2 |
||||||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
||||||||
e) |
Depreciation on Bank's property |
L |
L |
2 |
2 |
1 |
L |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
||||||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
1 |
||||||||
h) |
Law charges |
E |
E |
- |
- |
- |
E |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
- |
1 |
1 |
||||||||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
- |
||||||||
k) |
Insurance |
4 |
17 |
2 |
1 |
4 |
||||||||
l) |
Other expenditure |
7 |
6 |
42 |
7 |
7 |
||||||||
V. |
Provisions and contingencies |
- |
1781 |
545 |
21 |
194 |
||||||||
Total expenses |
1153 |
3257 |
926 |
277 |
559 |
|||||||||
VI. |
Profit (loss) |
|
|
(1021) |
(1750) |
|
(631) |
|
|
1 |
(211) |
|||
Total (III+IV+V+VI) |
|
|
|
|
916 |
1507 |
|
295 |
|
|
278 |
348 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |