Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 25 of 26) - RBI - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 25 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
||||||||||||||
Surguja Kshetriya |
Thane |
Thar Anchalik |
Tripura |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(361) |
(362) |
|
(363) |
(364) |
|
(365) |
(366) |
|
(367) |
(368) |
Income |
||||||||||||||
I. |
Interest earned |
336 |
617 |
254 |
403 |
220 |
444 |
525 |
746 |
|||||
a) |
Interest/discount on advances/bills |
84 |
147 |
28 |
40 |
98 |
215 |
124 |
133 |
|||||
b) |
Income on investments |
- |
1 |
94 |
239 |
- |
43 |
60 |
259 |
|||||
c) |
Interest on balances with RBI and other |
252 |
469 |
129 |
124 |
123 |
186 |
341 |
354 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
3 |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
17 |
13 |
11 |
10 |
28 |
76 |
24 |
26 |
|||||
a) |
Commission, exchange, brokerage, etc. |
13 |
12 |
3 |
4 |
6 |
7 |
24 |
26 |
|||||
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 |
4 |
1 |
|
8 |
5 |
|
22 |
69 |
|
- |
- |
||
|
Total (I+II) |
|
353 |
630 |
|
265 |
412 |
|
248 |
520 |
|
549 |
772 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
385 |
589 |
110 |
182 |
244 |
363 |
841 |
1148 |
|||||
a) |
Interest on deposits |
366 |
569 |
103 |
174 |
226 |
336 |
643 |
956 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
7 |
8 |
18 |
27 |
198 |
192 |
|||||
c) |
Others |
18 |
19 |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
330 |
341 |
100 |
93 |
247 |
255 |
689 |
753 |
|||||
a) |
Payments to and provisions for employees |
273 |
299 |
78 |
73 |
211 |
227 |
636 |
692 |
|||||
b) |
Rent, taxes and lighting |
5 |
6 |
3 |
3 |
4 |
4 |
16 |
17 |
|||||
c) |
Printing and stationery |
3 |
4 |
2 |
4 |
2 |
4 |
6 |
7 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
2 |
4 |
3 |
2 |
2 |
3 |
3 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
- |
- |
1 |
1 |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
1 |
1 |
|||||
i) |
Postage, telegrams, telephones, etc. |
- |
1 |
- |
1 |
1 |
2 |
2 |
3 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
1 |
3 |
- |
- |
2 |
2 |
|||||
k) |
Insurance |
38 |
17 |
2 |
1 |
15 |
2 |
1 |
1 |
|||||
l) |
Other expenditure |
7 |
11 |
30 |
5 |
11 |
14 |
20 |
26 |
|||||
V. |
Provisions and contingencies |
642 |
(114) |
21 |
56 |
1165 |
- |
971 |
2801 |
|||||
Total expenses |
1356 |
815 |
231 |
332 |
1656 |
618 |
2501 |
4702 |
||||||
VI. |
Profit (loss) |
(1003) |
(185) |
|
34 |
81 |
|
(1407) |
(98) |
|
(1952) |
(3930) |
||
Total (III+IV+V+VI) |
|
353 |
630 |
|
265 |
412 |
|
248 |
520 |
|
549 |
772 |
|
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|
|
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|
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(Amount in Rs. lakh) |
|
For the year ended 31 March |
||||||||||||||
Tulsi |
Tungabhadra |
Uttar Banga Kshetriya |
Vaishali Kshetriya |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(369) |
(370) |
|
(371) |
(372) |
|
(373) |
(374) |
|
(375) |
(376) |
Income |
||||||||||||||
I. |
Interest earned |
444 |
703 |
3018 |
4090 |
773 |
1082 |
731 |
1191 |
|||||
a) |
Interest/discount on advances/bills |
131 |
226 |
1576 |
2334 |
222 |
371 |
133 |
211 |
|||||
b) |
Income on investments |
310 |
474 |
665 |
1173 |
114 |
175 |
- |
- |
|||||
c) |
Interest on balances with RBI and other |
4 |
3 |
30 |
13 |
437 |
537 |
598 |
979 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
747 |
570 |
- |
- |
- |
- |
|||||
II. |
Other income |
22 |
37 |
254 |
315 |
122 |
152 |
11 |
12 |
|||||
a) |
Commission, exchange, brokerage, etc. |
21 |
37 |
77 |
91 |
94 |
105 |
11 |
11 |
|||||
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 |
- |
- |
(2) |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
- |
1 |
|
176 |
224 |
|
28 |
49 |
|
- |
1 |
||
|
Total (I+II) |
|
466 |
740 |
|
3271 |
4405 |
|
895 |
1235 |
|
742 |
1203 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
404 |
547 |
1823 |
2054 |
722 |
957 |
990 |
1329 |
|||||
a) |
Interest on deposits |
352 |
502 |
1208 |
1344 |
653 |
896 |
923 |
1287 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
51 |
45 |
615 |
711 |
69 |
61 |
66 |
43 |
|||||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
IV. |
Operating expenses |
388 |
454 |
1072 |
1094 |
645 |
720 |
815 |
832 |
|||||
a) |
Payments to and provisions for employees |
332 |
394 |
947 |
965 |
501 |
578 |
704 |
770 |
|||||
b) |
Rent, taxes and lighting |
5 |
6 |
19 |
21 |
10 |
12 |
10 |
11 |
|||||
c) |
Printing and stationery |
3 |
6 |
12 |
15 |
4 |
6 |
5 |
6 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
2 |
3 |
7 |
10 |
4 |
4 |
2 |
4 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
2 |
1 |
2 |
1 |
2 |
|||||
h) |
Law charges |
1 |
- |
- |
- |
1 |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
13 |
13 |
2 |
2 |
1 |
2 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
2 |
3 |
- |
- |
- |
- |
|||||
k) |
Insurance |
38 |
6 |
1 |
1 |
3 |
8 |
71 |
16 |
|||||
l) |
Other expenditure |
3 |
36 |
67 |
65 |
118 |
108 |
18 |
21 |
|||||
V. |
Provisions and contingencies |
1401 |
652 |
101 |
507 |
86 |
1662 |
465 |
828 |
|||||
Total expenses |
2192 |
1653 |
2996 |
3656 |
1454 |
3338 |
2269 |
2990 |
||||||
VI. |
Profit (loss) |
(1726) |
(912) |
|
276 |
749 |
|
(559) |
(2104) |
|
(1528) |
(1787) |
||
Total (III+IV+V+VI) |
|
466 |
740 |
|
3271 |
4405 |
|
895 |
1235 |
|
742 |
1203 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
For the year ended 31st March |
||||||||||||||
Vallalar |
Valsad-Dangs |
Varada |
Vidisha Bhopal |
|||||||||||
Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
|||||||||||
Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
(377) |
(378) |
|
(379) |
(380) |
|
(381) |
(382) |
|
(383) |
(384) |
Income |
||||||||||||||
I. |
Interest earned |
328 |
479 |
396 |
553 |
344 |
635 |
115 |
240 |
|||||
a) |
Interest/discount on advances/bills |
200 |
283 |
150 |
199 |
257 |
416 |
48 |
136 |
|||||
b) |
Income on investments |
4 |
12 |
85 |
110 |
76 |
205 |
19 |
30 |
|||||
c) |
Interest on balances with RBI and other |
124 |
185 |
161 |
244 |
10 |
14 |
48 |
74 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
42 |
36 |
12 |
29 |
43 |
47 |
7 |
12 |
|||||
a) |
Commission, exchange, brokerage, etc. |
5 |
5 |
6 |
9 |
2 |
4 |
6 |
10 |
|||||
b) |
Net profit (loss) on sale of investments |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
c) |
Net profit (loss) on revaluation of investments |
- |
- |
- |
- |
3 |
- |
- |
- |
|||||
d) |
Net profit (loss) on sale of land, building |
- |
- |
1 |
- |
- |
1 |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
37 |
31 |
|
5 |
19 |
|
37 |
42 |
|
1 |
1 |
||
|
Total (I+II) |
|
370 |
515 |
|
408 |
581 |
|
386 |
682 |
|
123 |
252 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
180 |
246 |
254 |
340 |
214 |
391 |
112 |
201 |
|||||
a) |
Interest on deposits |
92 |
138 |
190 |
264 |
144 |
251 |
104 |
189 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
44 |
61 |
5 |
76 |
7 |
17 |
8 |
12 |
|||||
c) |
Others |
44 |
47 |
58 |
- |
63 |
123 |
- |
- |
|||||
IV. |
Operating expenses |
88 |
92 |
151 |
147 |
110 |
142 |
85 |
96 |
|||||
a) |
Payments to and provisions for employees |
76 |
79 |
108 |
122 |
98 |
126 |
56 |
60 |
|||||
b) |
Rent, taxes and lighting |
3 |
3 |
4 |
5 |
2 |
3 |
5 |
6 |
|||||
c) |
Printing and stationery |
2 |
2 |
2 |
2 |
2 |
3 |
4 |
5 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
2 |
2 |
1 |
3 |
2 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
1 |
- |
- |
- |
- |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
1 |
1 |
2 |
2 |
2 |
|||||
j) |
Repairs and maintenance |
1 |
- |
- |
- |
- |
- |
- |
- |
|||||
k) |
Insurance |
2 |
2 |
- |
- |
- |
- |
7 |
9 |
|||||
l) |
Other expenditure |
1 |
2 |
33 |
13 |
4 |
6 |
10 |
12 |
|||||
V. |
Provisions and contingencies |
37 |
39 |
- |
161 |
14 |
- |
21 |
110 |
|||||
Total expenses |
304 |
377 |
406 |
648 |
338 |
533 |
219 |
407 |
||||||
VI. |
Profit (loss) |
65 |
138 |
|
2 |
(67) |
|
48 |
149 |
|
(96) |
(155) |
||
Total (III+IV+V+VI) |
|
370 |
515 |
|
408 |
581 |
|
386 |
682 |
|
123 |
252 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |