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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 4 of 13)

								(Amount in Rs. lakh)
			For the year ended 31st March
			Dungarpur-
			Banswara		Durg
			Kshetriya		Rajnandgaon		Ellaquai Dehati		Etah
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(97)	(98)	(99)	(100)	(101)	(102)	(103)	(104)
Income


I.	Interest Earned		205	381	1558	2023		274	891	1305

	a)	Interest/discount on advances/bills	99	161	422	467		33	444	595

	b)	Income on Investments	6	55	578	631		-	161	207

	c)	Interest on balances with	-	115	558	925		242	287	503
		RBI and other inter-bank funds

	d)	Others	101	49	-	-		-	-	-

II.	Other income		16	53	42	41	N	5	81	63

	a)	Commission, exchange and brokerage	7	11	18	19	O	4	45	41

	b)	Other miscellaneous income	9	42	25	22	T	1	36	22
Total (I+II)			221	434	1601	2064		279	972	1368
Expenditure & Provisions

III.	Interest expended		241	321	1067	1349	A	526	616	802

	a)	Interest on deposits	215	292	948	1220	V	510	501	668

	b)	Interest on RBI/inter-bank borrowings	-	-	118	129	A	-	114	134

	c)	Others	26	29	-	-	I	16	-	-

IV.	Operating expenses		168	187	439	498	L	476	272	320

	a)	Payments to and provisions for employees	140	154	380	434	A	444	240	283

	b)	Rent, taxes and lighting	4	5	13	14	B	10	7	8

	c)	Printing and stationery	2	3	10	11	L	2	3	4

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

	e)	Depreciation on Bank's property	3	3	4	5		2	2	2

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

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

	h)	Law charges	-	-	-	1		-	-	-

	i)	Postage, telegrams, telephones, etc.	2	3	4	5		1	3	5

	j)	Repairs and maintenance	-	-	4	3		1	1	1

	k)	Insurance	2	3	9	10		5	-	-

	l)	Other expenditure	14	15	14	14		11	15	16

V.	Provisions and contingencies		93	8	702	115		-	73	17

	Total expenses*		409	508	1506	1847		1002	888	1122

VI.	Profit		-280	-82	-607	101		-723	12	230
Total (III+IV+V+VI)			221	434	1601	2064		279	972	1368

								(Amount in Rs. lakh)
			For the year ended 31st March
							Faridkot
			Etawah		Faizabad		Bhatinda
			Kshetriya		Kshetriya		Kshetriya		Farrukhabad
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(105)	(106)	(107)	(108)	(109)	(110)	(111)	(112)
Income


I.	Interest Earned		475	558	1179	1441	719	728	1944	2190

	a)	Interest/discount on advances/bills	172	200	241	270	208	223	344	459

	b)	Income on Investments	62	60	308	295	88	113	530	594

	c)	Interest on balances with	241	297	-	875	423	392	3	6
		RBI and other inter-bank funds

	d)	Others	-	-	630	-	-	-	1066	1131

II.	Other income		11	9	19	22	29	21	35	28

	a)	Commission, exchange and brokerage	7	9	6	10	5	5	3	5

	b)	Other miscellaneous income	5	-	13	12	24	16	32	23
Total (I+II)			486	567	1198	1462	748	748	1979	2218
Expenditure & Provisions

III.	Interest expended		457	486	718	840	507	472	1045	1194

	a)	Interest on deposits	397	433	655	773	439	430	930	1097

	b)	Interest on RBI/inter-bank borrowings	59	53	-	-	-	6	114	97

	c)	Others	-	-	63	67	68	36	-	-

IV.	Operating expenses		210	227	308	360	94	112	494	542

	a)	Payments to and provisions for employees	190	207	254	285	68	82	443	497

	b)	Rent, taxes and lighting	4	4	6	7	5	6	8	8

	c)	Printing and stationery	1	1	5	6	1	1	8	4

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

	e)	Depreciation on Bank's property	2	1	4	3	2	2	3	3

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

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

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

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

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

	k)	Insurance	-	-	6	7	1	2	11	9

	l)	Other expenditure	11	9	30	49	16	16	17	18

V.	Provisions and contingencies		477	209	412	54	27	15	402	55

	Total expenses*		666	713	1026	1200	601	584	1539	1736

VI.	Profit		-658	-356	-240	208	120	150	38	427
Total (III+IV+V+VI)			486	567	1198	1462	748	748	1979	2218

								(Amount in Rs. lakh)
			For the year ended 31st March
			Fatehpur						Giridih
			Kshetriya		Ganga Yamuna		Gaur		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(113)	(114)	(115)	(116)	(117)	(118)	(119)	(120)
Income


I.	Interest Earned		507	740	377	520		2037	289	413

	a)	Interest/discount on advances/bills	149	191	80	129		824	71	123

	b)	Income on Investments	65	172	116	390		650	47	103

	c)	Interest on balances with	293	377	182	-		564	171	188
		RBI and other inter-bank funds

	d)	Others	-	-	-	-		-	-	-

II.	Other income		32	38	18	69	N	97	10	18

	a)	Commission, exchange and brokerage	16	7	4	8	O	15	1	2

	b)	Other miscellaneous income	16	31	14	61	T	82	8	15
Total (I+II)			539	778	396	588		2134	299	431
Expenditure & Provisions

III.	Interest expended		438	537	340	408	A	2013	184	262

	a)	Interest on deposits	384	487	313	375	V	1822	174	245

	b)	Interest on RBI/inter-bank borrowings	54	50	23	-	A	-	10	17

	c)	Others	-	-	4	33	I	191	-	-

IV.	Operating expenses		298	333	213	164	L	1079	225	111

	a)	Payments to and provisions for employees	249	265	181	124	A	929	93	98

	b)	Rent, taxes and lighting	6	6	4	4	B	24	2	3

	c)	Printing and stationery	4	5	2	3	L	13	3	1

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

	e)	Depreciation on Bank's property	2	2	2	1		5	119	2

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

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

	h)	Law charges	1	-	-	-		-	-	-

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

	j)	Repairs and maintenance	4	4	-	-		1	-	-

	k)	Insurance	2	7	17	22		6	2	2

	l)	Other expenditure	27	41	7	8		98	4	5

V.	Provisions and contingencies		167	71	-	-		-	-	10

	Total expenses*		736	870	553	572		3092	408	373

VI.	Profit		-364	-163	-157	17		-958	-110	48
Total (III+IV+V+VI)			539	778	396	588		2134	299	431

								(Amount in Rs. lakh)
			For the year ended 31st March
									Gopalganj
			Godavari		Golconda		Gomti		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(121)	(122)	(123)	(124)	(125)	(126)	(127)	(128)
Income


I.	Interest Earned		632	698	608	829	1680	2209	962	1223

	a)	Interest/discount on advances/bills	477	544	122	602	409	568	108	165

	b)	Income on Investments	59	48	346	79	540	923	120	109

	c)	Interest on balances with	96	106	81	128	731	719	734	949
		RBI and other inter-bank funds

	d)	Others	-	-	60	20	-	-	-	-

II.	Other income		16	47	10	-	40	38	14	11

	a)	Commission, exchange and brokerage	5	4	10	15	10	17	3	3

	b)	Other miscellaneous income	11	43	-	-	30	20	11	8
Total (I+II)			648	745	618	844	1721	2247	975	1234
Expenditure & Provisions

III.	Interest expended		410	436	553	655	1255	1481	562	717

	a)	Interest on deposits	274	314	166	626	1138	1353	547	698

	b)	Interest on RBI/inter-bank borrowings	136	121	29	29	118	129	16	19

	c)	Others	-	1	358	-	-	-	-	-

IV.	Operating expenses		132	147	93	-	406	508	246	250

	a)	Payments to and provisions for employees	103	115	73	86	363	423	212	232

	b)	Rent, taxes and lighting	9	8	4	4	8	9	3	4

	c)	Printing and stationery	4	4	2	4	6	3	2	3

	d)	Advertisement and publicity	2	1	-	-	-	-	-	1

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

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

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

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

	i)	Postage, telegrams, telephones, etc.	2	4	1	1	1	3	1	1

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

	k)	Insurance	-	1	4	-	8	1	21	5

	l)	Other expenditure	6	7	6	8	15	64	4	2

V.	Provisions and contingencies		25	20	28	5	9	-174	309	14

	Total expenses*		541	582	645	761	1662	1990	808	967

VI.	Profit		82	143	-55	78	50	431	-142	253
Total (III+IV+V+VI)			648	745	618	844	1721	2247	975	1234

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