Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 26 of 26) - RBI - Reserve Bank of India
Table 49: Earnings and Expenses of Scheduled Commercial Banks - 1996-97 (Part 26 of 26)
REGIONAL RURAL BANKS |
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(Amount in Rs. lakh) |
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For the year ended 31st March |
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Vidur |
Vindhyavasini |
Visweshwaraya |
Yavatmal |
|||||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
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Items |
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|
1996 |
1997 |
|||
|
|
|
|
385 |
386 |
|
387 |
388 |
|
389 |
390 |
|
391 |
392 |
Income |
||||||||||||||
I. |
Interest earned |
276 |
433 |
432 |
617 |
160 |
219 |
210 |
317 |
|||||
a) |
Interest/discount on advances/bills |
83 |
117 |
116 |
153 |
88 |
125 |
108 |
158 |
|||||
b) |
Income on investments |
74 |
121 |
74 |
223 |
- |
- |
15 |
32 |
|||||
c) |
Interest on balances with RBI and other |
118 |
194 |
242 |
241 |
72 |
94 |
87 |
127 |
|||||
inter-bank funds |
||||||||||||||
d) |
Others |
2 |
1 |
- |
- |
- |
- |
- |
- |
|||||
II. |
Other income |
14 |
34 |
15 |
9 |
21 |
22 |
39 |
35 |
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a) |
Commission, exchange, brokerage, etc. |
7 |
28 |
15 |
9 |
2 |
4 |
11 |
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 |
- |
- |
- |
- |
- |
1 |
- |
- |
|||||
& other assets |
||||||||||||||
e) |
Net profit (loss) on exchange transaction |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
f) |
Miscellaneous income |
7 |
7 |
|
- |
- |
|
19 |
17 |
|
28 |
8 |
||
|
Total (I+II) |
|
290 |
467 |
|
448 |
626 |
|
181 |
241 |
|
249 |
352 |
|
Expenditure & Provisions |
||||||||||||||
III. |
Interest expended |
240 |
286 |
343 |
427 |
97 |
142 |
143 |
184 |
|||||
a) |
Interest on deposits |
192 |
229 |
290 |
380 |
75 |
117 |
119 |
145 |
|||||
b) |
Interest on RBI/inter-bank borrowings |
47 |
55 |
53 |
47 |
6 |
5 |
- |
- |
|||||
c) |
Others |
2 |
2 |
- |
- |
16 |
20 |
24 |
39 |
|||||
IV. |
Operating expenses |
173 |
209 |
260 |
198 |
93 |
108 |
89 |
106 |
|||||
a) |
Payments to and provisions for employees |
153 |
188 |
187 |
176 |
81 |
90 |
73 |
86 |
|||||
b) |
Rent, taxes and lighting |
3 |
3 |
5 |
5 |
3 |
4 |
3 |
3 |
|||||
c) |
Printing and stationery |
2 |
2 |
4 |
4 |
2 |
2 |
1 |
2 |
|||||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
e) |
Depreciation on Bank's property |
1 |
1 |
3 |
3 |
1 |
- |
1 |
2 |
|||||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
2 |
- |
- |
|||||
g) |
Auditors' fees and expenses |
- |
1 |
- |
- |
- |
- |
- |
- |
|||||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
1 |
1 |
- |
- |
1 |
1 |
|||||
j) |
Repairs and maintenance |
1 |
1 |
1 |
- |
- |
- |
- |
- |
|||||
k) |
Insurance |
- |
- |
47 |
2 |
- |
- |
1 |
1 |
|||||
l) |
Other expenditure |
11 |
10 |
11 |
6 |
6 |
9 |
9 |
11 |
|||||
V. |
Provisions and contingencies |
- |
- |
54 |
651 |
- |
7 |
10 |
54 |
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Total expenses |
414 |
494 |
657 |
1276 |
190 |
257 |
242 |
344 |
||||||
VI. |
Profit (loss) |
(124) |
(27) |
|
(209) |
(650) |
|
(9) |
(16) |
|
7 |
8 |
||
Total (III+IV+V+VI) |
|
290 |
467 |
|
448 |
626 |
|
181 |
241 |
|
249 |
352 |
Note |
: Figures in bracket indicate loss. |
- |
: Nil or negligible. |
Source |
: Annual accounts of banks. |