Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 17 of 26) - RBI - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 17 of 26)
REGIONAL RURAL BANKS |
| | | | | | | | | | | | | (Amount in Rs. lakh) | |
For the year ended 31 March | ||||||||||||||
Kalahandi Anchalika | Kalpatharu | Kamraz | Kanakadurga | |||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (169) | (170) | | (171) | (172) | | (173) | (174) | | (175) | (176) |
Income | ||||||||||||||
I. | Interest earned | 239 | 355 | 694 | 1116 | 454 | 628 | 467 | 607 | |||||
a) | Interest/discount on advances/bills | 140 | 184 | 317 | 538 | 66 | 79 | 263 | 365 | |||||
b) | Income on investments | 7 | 23 | 347 | 457 | 113 | 127 | 202 | 239 | |||||
c) | Interest on balances with RBI and other | 92 | 147 | 30 | 28 | 275 | 422 | 2 | 2 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | - | - | 93 | - | - | - | - | |||||
II. | Other income | 34 | 12 | 62 | 85 | 10 | 24 | 14 | 18 | |||||
a) | Commission, exchange, brokerage, etc. | - | - | 42 | 50 | 4 | 5 | 2 | 4 | |||||
b) | Net profit (loss) on sale of investments | - | - | - | - | - | 11 | - | - | |||||
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 | 33 | 12 | | 20 | 35 | | 6 | 8 | | 12 | 14 | ||
| Total (I+II) | | 273 | 367 | | 756 | 1201 | | 464 | 652 | | 481 | 625 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 230 | 330 | 550 | 715 | 393 | 531 | 287 | 334 | |||||
a) | Interest on deposits | 149 | 244 | 407 | 550 | 371 | 509 | 201 | 228 | |||||
b) | Interest on RBI/inter-bank borrowings | 81 | 86 | 144 | 165 | 22 | 23 | 85 | 106 | |||||
c) | Others | - | - | - | - | - | - | - | - | |||||
IV. | Operating expenses | 342 | 399 | 369 | 449 | 363 | 419 | 117 | 121 | |||||
a) | Payments to and provisions for employees | 297 | 361 | 298 | 381 | 313 | 355 | 93 | 98 | |||||
b) | Rent, taxes and lighting | 7 | 8 | 7 | 8 | 7 | 8 | 4 | 5 | |||||
c) | Printing and stationery | 5 | 5 | 5 | 6 | 3 | 8 | 3 | 3 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | 1 | |||||
e) | Depreciation on Bank's property | 2 | 3 | 3 | 3 | 2 | 3 | 4 | 4 | |||||
f) | Directors' fees, allowances and expenses | 1 | - | - | - | - | - | - | - | |||||
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | - | 1 | - | 1 | |||||
h) | Law charges | - | - | - | - | - | - | - | - | |||||
i) | Postage, telegrams, telephones, etc. | 3 | 4 | 2 | 3 | - | - | 2 | 3 | |||||
j) | Repairs and maintenance | 1 | 2 | 1 | 2 | - | - | 2 | 2 | |||||
k) | Insurance | 14 | 7 | 34 | 27 | 4 | 5 | 2 | 3 | |||||
l) | Other expenditure | 12 | 9 | 17 | 19 | 31 | 39 | 7 | 2 | |||||
V. | Provisions and contingencies | - | 290 | 25 | 463 | 18 | 182 | 13 | 48 | |||||
Total expenses | 572 | 1019 | 945 | 1627 | 774 | 1132 | 417 | 503 | ||||||
VI. | Profit (loss) | (300) | (653) | | (189) | (426) | | (310) | (480) | | 64 | 121 | ||
Total (III+IV+V+VI) | | 273 | 367 | | 756 | 1201 | | 464 | 652 | | 481 | 625 |
| | | | | |
| | |
| | |
| (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Kanpur Kshetriya | Kapurthala Firozpur Kshetriya | Kashi | Kisan | |||||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
Items | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | |||
| | | | (177) | (178) | | (179) | (180) | | (181) | (182) | | (183) | (184) |
Income | ||||||||||||||
I. | Interest earned | 872 | 1709 | 301 | 505 | 779 | 1151 | 276 | 409 | |||||
a) | Interest/discount on advances/bills | 177 | 429 | 75 | 140 | 206 | 284 | 111 | 135 | |||||
b) | Income on investments | 240 | 775 | 75 | 138 | 245 | 442 | 48 | 87 | |||||
c) | Interest on balances with RBI and other | 450 | 504 | 152 | 227 | 327 | 426 | 118 | 186 | |||||
inter-bank funds | ||||||||||||||
d) | Others | 5 | - | - | - | - | - | - | - | |||||
II. | Other income | 65 | 57 | 38 | 46 | 40 | 52 | 16 | 26 | |||||
a) | Commission, exchange, brokerage, etc. | 61 | 52 | 2 | 2 | 11 | 14 | 10 | 14 | |||||
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 | 4 | 4 | | 36 | 44 | | 29 | 38 | | 6 | 12 | ||
| Total (I+II) | | 937 | 1766 | | 339 | 551 | | 818 | 1203 | | 292 | 435 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 921 | 1347 | 326 | 383 | 745 | 1011 | 253 | 363 | |||||
a) | Interest on deposits | 806 | 1195 | 293 | 346 | 686 | 953 | 211 | 316 | |||||
b) | Interest on RBI/inter-bank borrowings | - | - | 33 | 37 | 2 | 2 | 42 | 47 | |||||
c) | Others | 115 | 151 | - | - | 57 | 56 | - | - | |||||
IV. | Operating expenses | 548 | 543 | 200 | 193 | 372 | 418 | 246 | 264 | |||||
a) | Payments to and provisions for employees | 428 | 476 | 156 | 171 | 306 | 341 | 212 | 233 | |||||
b) | Rent, taxes and lighting | 11 | 12 | 3 | 4 | 9 | 13 | 5 | 6 | |||||
c) | Printing and stationery | 6 | 5 | 3 | 3 | 5 | 6 | 3 | 4 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 4 | 4 | 4 | 4 | 3 | 3 | 2 | 3 | |||||
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. | - | 1 | 1 | 1 | 1 | 2 | 1 | 1 | |||||
j) | Repairs and maintenance | - | 1 | 1 | 1 | 2 | 2 | 1 | 1 | |||||
k) | Insurance | 75 | 16 | - | 1 | 19 | 19 | - | 1 | |||||
l) | Other expenditure | 22 | 24 | 32 | 9 | 26 | 31 | 20 | 16 | |||||
V. | Provisions and contingencies | 59 | 1854 | 49 | 456 | 72 | 1531 | 46 | 175 | |||||
Total expenses | 1528 | 3743 | 575 | 1032 | 1189 | 2960 | 545 | 802 | ||||||
VI. | Profit (loss) | (592) | (1977) | | (236) | (482) | | (370) | (1757) | | (253) | (367) | ||
Total (III+IV+V+VI) | | 937 | 1766 | | 339 | 551 | | 818 | 1203 | | 292 | 435 |
| | | | | |
| | |
| | |
| (Amount in Rs. lakh) | |
For the year ended 31st March | ||||||||||||||
Kolar | Koraput Panchabati | Kosi Kshetriya | Krishna | |||||||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||||||
1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | | 1996 | 1997 | ||||
| | | | (185) | (186) | | (187) | (188) | | (189) | (190) | | (191) | (192) |
Income | ||||||||||||||
I. | Interest earned | 684 | 1097 | 955 | 1347 | 548 | 845 | 1035 | 1856 | |||||
a) | Interest/discount on advances/bills | 359 | 576 | 232 | 460 | 141 | 204 | 595 | 1247 | |||||
b) | Income on investments | 322 | 517 | 377 | 887 | - | - | 124 | 259 | |||||
c) | Interest on balances with RBI and other | 3 | - | 346 | - | 406 | 642 | 316 | 350 | |||||
inter-bank funds | ||||||||||||||
d) | Others | - | 5 | - | - | - | - | - | - | |||||
II. | Other income | 74 | 66 | 48 | 46 | 25 | 21 | 120 | 49 | |||||
a) | Commission, exchange, brokerage, etc. | 7 | 10 | 1 | - | 4 | 4 | 100 | 49 | |||||
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 | 66 | 56 | | 47 | 46 | | 21 | 17 | | 20 | - | ||
| Total (I+II) | | 758 | 1164 | | 1002 | 1392 | | 573 | 866 | | 1155 | 1906 | |
Expenditure & Provisions | ||||||||||||||
III. | Interest expended | 511 | 643 | 524 | 711 | 635 | 859 | 770 | 1218 | |||||
a) | Interest on deposits | 355 | 486 | 368 | 557 | 557 | 804 | 620 | 927 | |||||
b) | Interest on RBI/inter-bank borrowings | 145 | 158 | 156 | 154 | 78 | 55 | - | - | |||||
c) | Others | 11 | - | - | - | - | - | 150 | 291 | |||||
IV. | Operating expenses | 362 | 414 | 525 | 596 | 694 | 1031 | 604 | 715 | |||||
a) | Payments to and provisions for employees | 269 | 375 | 447 | 508 | 568 | 652 | 412 | 441 | |||||
b) | Rent, taxes and lighting | 7 | 9 | 8 | 9 | 10 | 11 | 11 | 11 | |||||
c) | Printing and stationery | 3 | 2 | 7 | 8 | 9 | 10 | 6 | 10 | |||||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||||
e) | Depreciation on Bank's property | 2 | 3 | 4 | 4 | 2 | 3 | 3 | 4 | |||||
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. | 3 | 3 | 4 | 4 | 1 | 2 | 2 | 3 | |||||
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | 1 | 2 | - | 1 | |||||
k) | Insurance | 46 | 8 | 45 | 41 | 29 | 26 | 59 | 7 | |||||
l) | Other expenditure | 30 | 13 | 9 | 18 | 74 | 323 | 110 | 236 | |||||
V. | Provisions and contingencies | - | 430 | 418 | 395 | - | - | 425 | (311) | |||||
Total expenses | 873 | 1487 | 1467 | 1702 | 1329 | 1890 | 1800 | 1621 | ||||||
VI. | Profit (loss) | (116) | (323) | | (464) | (310) | | (756) | (1024) | | (645) | 284 | ||
Total (III+IV+V+VI) | | 758 | 1164 | | 1002 | 1392 | | 573 | 866 | | 1155 | 1906 |
Note | : Figures in bracket indicate loss. |
- | : Nil or negligible. |
Source | : Annual accounts of banks. |