Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 18 of 26) - RBI - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 18 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Kshetriya |
Kutch |
K.Kisan |
Lakhimi |
|||||||||||
Gramin Bank |
Grameen Bank |
Gramin Bank |
Gaonlia Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(193) |
(194) |
|
(195) |
(196) |
|
(197) |
(198) |
|
(199) |
(200) |
Income |
||||||||||||||
I. |
Interest earned |
578 |
871 |
400 |
751 |
517 |
704 |
585 |
852 |
|||||
a) |
Interest/discount on advances/bills |
175 |
354 |
67 |
173 |
244 |
202 |
137 |
175 |
|||||
b) |
Income on investments |
192 |
256 |
137 |
274 |
18 |
56 |
242 |
534 |
|||||
c) |
Interest on balances with RBI and other |
211 |
261 |
195 |
303 |
146 |
155 |
20 |
4 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
109 |
291 |
187 |
139 |
|||||
II. |
Other income |
39 |
25 |
43 |
27 |
46 |
15 |
33 |
38 |
|||||
a) |
Commission, exchange, brokerage, etc. |
21 |
25 |
26 |
9 |
1 |
3 |
12 |
16 |
|||||
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 |
18 |
- |
|
16 |
18 |
|
44 |
12 |
|
21 |
22 |
||
|
Total (I+II) |
|
617 |
896 |
|
442 |
778 |
|
563 |
719 |
|
618 |
889 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
494 |
693 |
364 |
527 |
436 |
712 |
485 |
635 |
|||||
a) |
Interest on deposits |
442 |
633 |
329 |
480 |
237 |
364 |
437 |
582 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
5 |
4 |
35 |
47 |
52 |
58 |
48 |
52 |
|||||
c) |
Others |
47 |
55 |
- |
- |
146 |
291 |
- |
- |
|||||
IV. |
Operating expenses |
425 |
443 |
209 |
200 |
320 |
585 |
451 |
604 |
|||||
a) |
Payments to and provisions for employees |
380 |
393 |
193 |
182 |
224 |
244 |
363 |
538 |
|||||
b) |
Rent, taxes and lighting |
10 |
11 |
2 |
3 |
4 |
5 |
12 |
14 |
|||||
c) |
Printing and stationery |
4 |
5 |
2 |
3 |
2 |
3 |
6 |
7 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
2 |
2 |
1 |
2 |
3 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
- |
1 |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
1 |
2 |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
2 |
2 |
- |
1 |
1 |
2 |
|||||
j) |
Repairs and maintenance |
3 |
4 |
- |
1 |
- |
- |
1 |
1 |
|||||
k) |
Insurance |
1 |
6 |
3 |
2 |
38 |
11 |
1 |
1 |
|||||
l) |
Other expenditure |
23 |
18 |
5 |
5 |
48 |
318 |
63 |
37 |
|||||
V. |
Provisions and contingencies |
63 |
898 |
209 |
- |
1034 |
- |
2 |
1255 |
|||||
Total expenses |
983 |
2034 |
573 |
727 |
1789 |
1297 |
650 |
2494 |
||||||
VI. |
Profit (loss) |
(366) |
(1138) |
|
(131) |
51 |
|
(1226) |
(579) |
|
(32) |
(1604) |
||
Total (III+IV+V+VI) |
|
617 |
896 |
|
442 |
778 |
|
563 |
719 |
|
618 |
889 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Langpi Dehangi |
Madhubani Kshetriya |
Magadh |
Mahakaushal Kshetriya |
|||||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(201) |
(202) |
|
(203) |
(204) |
|
(205) |
(206) |
|
(207) |
(208) |
Income |
||||||||||||||
I. |
Interest earned |
143 |
140 |
158 |
225 |
1857 |
2525 |
63 |
80 |
|||||
a) |
Interest/discount on advances/bills |
32 |
41 |
37 |
59 |
265 |
232 |
16 |
12 |
|||||
b) |
Income on investments |
34 |
39 |
- |
- |
517 |
1660 |
- |
- |
|||||
c) |
Interest on balances with RBI and other |
78 |
61 |
121 |
166 |
1076 |
634 |
47 |
68 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
20 |
18 |
5 |
6 |
27 |
32 |
11 |
11 |
|||||
a) |
Commission, exchange, brokerage, etc. |
7 |
10 |
2 |
6 |
3 |
3 |
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 |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
12 |
8 |
|
3 |
- |
|
24 |
29 |
|
7 |
7 |
||
|
Total (I+II) |
|
163 |
158 |
|
163 |
232 |
|
1884 |
2557 |
|
73 |
91 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
145 |
171 |
297 |
410 |
1239 |
1670 |
111 |
154 |
|||||
a) |
Interest on deposits |
127 |
155 |
276 |
403 |
1185 |
1616 |
107 |
146 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
2 |
2 |
21 |
6 |
3 |
3 |
4 |
8 |
|||||
c) |
Others |
16 |
14 |
- |
- |
52 |
52 |
- |
- |
|||||
IV. |
Operating expenses |
177 |
186 |
332 |
347 |
884 |
914 |
156 |
170 |
|||||
a) |
Payments to and provisions for employees |
143 |
162 |
310 |
324 |
720 |
756 |
135 |
152 |
|||||
b) |
Rent, taxes and lighting |
3 |
3 |
5 |
5 |
9 |
9 |
5 |
6 |
|||||
c) |
Printing and stationery |
2 |
2 |
2 |
3 |
6 |
8 |
2 |
3 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
1 |
2 |
3 |
3 |
1 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
0 |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
2 |
2 |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
0 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
- |
1 |
2 |
3 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
1 |
- |
1 |
1 |
- |
1 |
- |
- |
|||||
k) |
Insurance |
9 |
3 |
4 |
3 |
130 |
118 |
7 |
2 |
|||||
l) |
Other expenditure |
18 |
14 |
8 |
9 |
11 |
13 |
5 |
3 |
|||||
V. |
Provisions and contingencies |
17 |
47 |
- |
188 |
138 |
1567 |
- |
287 |
|||||
Total expenses |
339 |
404 |
629 |
945 |
2261 |
4151 |
267 |
611 |
||||||
VI. |
Profit (loss) |
(176) |
(246) |
|
(465) |
(713) |
|
(377) |
(1594) |
|
(194) |
(521) |
||
Total (III+IV+V+VI) |
|
163 |
158 |
|
163 |
232 |
|
1884 |
2557 |
|
73 |
91 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Malaprabha |
Mallabhum |
Malwa |
Mandla Balaghat |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(209) |
(210) |
|
(211) |
(212) |
|
(213) |
(214) |
|
(215) |
(216) |
Income |
||||||||||||||
I. |
Interest earned |
3714 |
5168 |
1729 |
2510 |
526 |
691 |
97 |
195 |
|||||
a) |
Interest/discount on advances/bills |
2621 |
3453 |
472 |
687 |
260 |
343 |
16 |
47 |
|||||
b) |
Income on investments |
240 |
767 |
477 |
962 |
102 |
136 |
- |
- |
|||||
c) |
Interest on balances with RBI and other |
853 |
948 |
780 |
861 |
164 |
213 |
81 |
148 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
615 |
366 |
169 |
262 |
48 |
59 |
10 |
13 |
|||||
a) |
Commission, exchange, brokerage, etc. |
35 |
43 |
160 |
217 |
47 |
35 |
7 |
8 |
|||||
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 |
581 |
323 |
|
9 |
45 |
|
1 |
24 |
|
3 |
6 |
||
|
Total (I+II) |
|
4329 |
5534 |
|
1898 |
2771 |
|
573 |
750 |
|
107 |
208 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
2295 |
2822 |
1543 |
2164 |
315 |
417 |
147 |
223 |
|||||
a) |
Interest on deposits |
1373 |
1758 |
1417 |
2026 |
229 |
303 |
146 |
220 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
923 |
1064 |
125 |
138 |
35 |
113 |
1 |
3 |
|||||
c) |
Others |
- |
- |
- |
- |
50 |
- |
- |
- |
|||||
IV. |
Operating expenses |
1543 |
1695 |
1099 |
1169 |
125 |
138 |
183 |
191 |
|||||
a) |
Payments to and provisions for employees |
1362 |
1485 |
968 |
1069 |
107 |
118 |
153 |
168 |
|||||
b) |
Rent, taxes and lighting |
24 |
31 |
20 |
24 |
4 |
4 |
3 |
4 |
|||||
c) |
Printing and stationery |
19 |
21 |
14 |
13 |
1 |
2 |
2 |
2 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
11 |
13 |
4 |
4 |
3 |
3 |
1 |
1 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
3 |
4 |
2 |
2 |
- |
1 |
- |
- |
|||||
h) |
Law charges |
- |
1 |
1 |
1 |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
15 |
17 |
2 |
1 |
1 |
1 |
1 |
1 |
|||||
j) |
Repairs and maintenance |
3 |
2 |
1 |
2 |
- |
- |
- |
- |
|||||
k) |
Insurance |
11 |
12 |
52 |
14 |
2 |
1 |
3 |
4 |
|||||
l) |
Other expenditure |
94 |
109 |
36 |
38 |
7 |
8 |
20 |
11 |
|||||
V. |
Provisions and contingencies |
149 |
987 |
361 |
1032 |
39 |
45 |
33 |
71 |
|||||
Total expenses |
3988 |
5504 |
3003 |
4366 |
478 |
600 |
363 |
485 |
||||||
VI. |
Profit (loss) |
341 |
30 |
|
(1105) |
(1594) |
|
95 |
150 |
|
(256) |
(277) |
||
Total (III+IV+V+VI) |
|
4329 |
5534 |
|
1898 |
2771 |
|
573 |
750 |
|
107 |
208 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |