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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 3 of 13)

								(Amount in Rs. lakh)
			For the year ended 31st March
			Bundi-Chittor
			Kshetriya		Cachar		Cauvery		Chaitanya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(65)	(66)	(67)	(68)	(69)	(70)	(71)	(72)
Income


I.	Interest Earned		560	951	206	458	1625	2017	827	987

	a)	Interest/discount on advances/bills	352	434	46	84	962	1252	499	649

	b)	Income on Investments	5	10	99	374	218	314	86	88

	c)	Interest on balances with	-	-	1	-	444	451	241	250
		RBI and other inter-bank funds

	d)	Others	203	507	60	-	-	-	-	-

II.	Other income		23	32	19	20	119	137	48	107

	a)	Commission, exchange and brokerage	4	5	11	8	106	124	17	20

	b)	Other miscellaneous income	19	27	9	12	13	13	32	87
Total (I+II)			583	983	226	479	1744	2153	875	1094
Expenditure & Provisions

III.	Interest expended		533	605	224	346	1078	1236	578	640

	a)	Interest on deposits	412	490	208	319	844	990	433	506

	b)	Interest on RBI/inter-bank borrowings	-	-	16	27	234	246	36	32

	c)	Others	121	115	-	-	-	-	109	103

IV.	Operating expenses		295	307	286	258	748	637	260	282

	a)	Payments to and provisions for employees	262	276	145	176	643	541	228	244

	b)	Rent, taxes and lighting	6	7	6	6	12	14	8	10

	c)	Printing and stationery	4	4	3	3	8	8	5	5

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	3	3	2	2	3	-	2	2

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	1	-	-	2	2	1	1

	h)	Law charges	-	-	-	-	1	-	-	-

	i)	Postage, telegrams, telephones, etc.	1	2	1	1	5	6	4	4

	j)	Repairs and maintenance	1	1	1	1	1	1	1	2

	k)	Insurance	2	4	-	1	14	4	4	5

	l)	Other expenditure	13	10	128	68	59	60	6	9

V.	Provisions and contingencies		168	30	-	-	581	24	57	-

	Total expenses*		827	912	510	604	1826	1873	838	923

VI.	Profit		-412	40	-284	-125	-663	256	-20	171
Total (III+IV+V+VI)			583	983	226	479	1744	2153	875	1094

								(Amount in Rs. lakh)
			For the year ended 31st March
			Chambal		Champaran		Chandrapur
			Kshetriya		kshetriya		Gadchiroli		Chhatrasal
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(73)	(74)	(75)	(76)	(77)	(78)	(79)	(80)
Income


I.	Interest Earned		195	399	673	793	287	560	864	1137

	a)	Interest/discount on advances/bills	68	175	183	209	120	221	212	248

	b)	Income on Investments	-	8	-	15	107	176	235	286

	c)	Interest on balances with	127	216	490	569	60	162	417	602
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		26	64	12	10	4	9	41	46

	a)	Commission, exchange and brokerage	2	3	4	4	4	8	41	46

	b)	Other miscellaneous income	24	61	8	6	-	-	-	-
Total (I+II)			221	463	684	803	291	568	905	1183
Expenditure & Provisions

III.	Interest expended		225	368	815	963	255	472	519	627

	a)	Interest on deposits	218	355	789	933	237	440	461	566

	b)	Interest on RBI/inter-bank borrowings	6	13	-	-	3	1	-	61

	c)	Others	1	-	26	30	15	30	58	-

IV.	Operating expenses		155	182	600	686	195	264	409	404

	a)	Payments to and provisions for employees	129	153	561	653	177	228	378	372

	b)	Rent, taxes and lighting	5	5	10	10	4	7	7	8

	c)	Printing and stationery	2	3	3	4	4	2	4	4

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	2	3	2	2	1	2	2	2

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	-	1	1	1	1	1	1

	h)	Law charges	-	-	-	-	-	1	-	1

	i)	Postage, telegrams, telephones, etc.	1	1	1	1	1	1	2	3

	j)	Repairs and maintenance	-	-	-	-	1	1	1	1

	k)	Insurance	7	3	12	6	1	1	6	5

	l)	Other expenditure	8	12	9	8	5	21	6	7

V.	Provisions and contingencies		5	1	136	17	39	21	144	39

	Total expenses*		381	550	1415	1649	450	736	928	1030

VI.	Profit		-165	-88	-867	-863	-198	-189	-167	114
Total (III+IV+V+VI)			221	463	684	803	291	568	905	1183

								(Amount in Rs. lakh)
			For the year ended 31st March
			Chhindwara
			Seoni		Chikmagalur
			Kshetriya		Kodagu		Chitradurga		Cuttack
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(81)	(82)	(83)	(84)	(85)	(86)	(87)	(88)
Income


I.	Interest Earned		361	505	782	915	1056	1513	1484	1789

	a)	Interest/discount on advances/bills	163	251	531	651	628	958	492	539

	b)	Income on Investments	188	242	46	78	63	225	147	329

	c)	Interest on balances with	10	12	205	187	366	329	845	922
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		33	38	38	44	55	66	151	87

	a)	Commission, exchange and brokerage	27	33	7	8	10	12	13	10

	b)	Other miscellaneous income	6	5	31	36	46	55	138	76
Total (I+II)			394	543	819	959	1111	1579	1635	1876
Expenditure & Provisions

III.	Interest expended		368	479	453	477	694	862	1352	1606

	a)	Interest on deposits	361	468	301	356	500	632	1208	1440

	b)	Interest on RBI/inter-bank borrowings	7	11	153	121	-	229	143	142

	c)	Others	-	-	-	-	193	-	-	25

IV.	Operating expenses		257	308	224	231	435	492	864	832

	a)	Payments to and provisions for employees	208	251	207	209	384	432	680	739

	b)	Rent, taxes and lighting	8	8	4	5	9	11	20	21

	c)	Printing and stationery	5	5	4	5	5	7	13	8

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	2	2	2	3	2	4	2	3

	f)	Directors' fees, allowances and expenses	-	-	1	-	-	-	-	-

	g)	Auditors' fees and expenses	1	1	-	1	1	1	2	2

	h)	Law charges	-	1	-	-	-	-	-	1

	i)	Postage, telegrams, telephones, etc.	2	2	1	2	4	6	6	8

	j)	Repairs and maintenance	-	-	1	1	2	2	1	1

	k)	Insurance	-	1	2	2	4	4	103	17

	l)	Other expenditure	31	38	2	4	22	23	36	33

V.	Provisions and contingencies		-	1	60	14	430	2	2106	174

	Total expenses*		625	787	678	708	1128	1354	2216	2438

VI.	Profit		-231	-245	81	236	-447	223	-2686	-736
Total (III+IV+V+VI)			394	543	819	959	1111	1579	1635	1876

								(Amount in Rs. lakh)
			For the year ended 31st March
							Dewas
			Damoh Panna		Devipatan		Shajapur		Dhenkanal
			Sagar		Kshetriya		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramya Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(89)	(90)	(91)	(92)	(93)	(94)	(95)	(96)
Income


I.	Interest Earned		465	733	1209	1578	553	741	758	1101

	a)	Interest/discount on advances/bills	103	154	218	295	198	271	379	610

	b)	Income on Investments	-	-	455	584	194	247	223	312

	c)	Interest on balances with	-	-	536	700	159	223	157	179
		RBI and other inter-bank funds

	d)	Others	363	579	-	-	1	-	-	-

II.	Other income		17	22	66	37	32	35	9	16

	a)	Commission, exchange and brokerage	10	14	10	12	4	6	5	6

	b)	Other miscellaneous income	7	8	56	26	28	29	4	11
Total (I+II)			482	755	1275	1616	585	777	767	1117
Expenditure & Provisions

III.	Interest expended		517	631	625	823	464	541	556	740

	a)	Interest on deposits	482	588	570	748	436	498	440	589

	b)	Interest on RBI/inter-bank borrowings	33	40	54	75	28	43	116	151

	c)	Others	2	3	-	-	-	-	-	-

IV.	Operating expenses		295	351	454	444	252	298	286	248

	a)	Payments to and provisions for employees	262	318	396	402	224	264	258	213

	b)	Rent, taxes and lighting	7	7	7	9	8	8	5	6

	c)	Printing and stationery	4	4	5	6	2	4	6	6

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	2	2	2	2	2	2	2	3

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	-	1	1	-	1	1	1

	h)	Law charges	-	-	-	-	-	-	-	-

	i)	Postage, telegrams, telephones, etc.	1	2	1	2	2	2	2	4

	j)	Repairs and maintenance	-	-	1	1	1	1	-	-

	k)	Insurance	5	4	10	8	2	4	1	1

	l)	Other expenditure	13	13	30	14	11	13	11	14

V.	Provisions and contingencies		202	-	478	56	147	10	90	115

	Total expenses*		812	982	1078	1268	716	839	842	988

VI.	Profit		-532	-226	-281	292	-279	-73	-165	14
Total (III+IV+V+VI)			482	755	1275	1616	585	777	767	1117

Note	:	*Excluding 'Provisions and Contingencies'.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.