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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 5 of 13)

								(Amount in Rs. lakh)
			For the year ended 31st March
			Gorakhpur		Gurdaspur				Gwalior Datia
			Kshetriya		Amritsar		Gurgaon		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(129)	(130)	(131)	(132)	(133)	(134)	(135)	(136)
Income


I.	Interest Earned		6768	7459	870	1101	4467	5029	372	468

	a)	Interest/discount on advances/bills	1034	1207	261	319	1003	1386	95	114

	b)	Income on Investments	5735	6252	256	324	3464	3643	-	-

	c)	Interest on balances with	-	-	353	459	-	-	203	248
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	74	107

II.	Other income		58	92	16	21	179	70	3	5

	a)	Commission, exchange and brokerage	48	87	11	16	11	12	2	2

	b)	Other miscellaneous income	10	5	5	4	167	58	1	3
Total (I+II)			6826	7551	886	1122	4646	5099	375	473
Expenditure & Provisions

III.	Interest expended		3815	4718	537	660	2782	2871	311	407

	a)	Interest on deposits	3445	4382	478	600	2488	2518	211	271

	b)	Interest on RBI/inter-bank borrowings	370	337	59	59	-	353	26	30

	c)	Others	-	-	1	1	294	-	74	107

IV.	Operating expenses		1393	1329	269	285	1010	983	229	142

	a)	Payments to and provisions for employees	1272	1186	236	253	803	876	99	104

	b)	Rent, taxes and lighting	18	26	6	6	18	23	3	4

	c)	Printing and stationery	11	13	4	4	9	10	2	2

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

	e)	Depreciation on Bank's property	5	5	3	4	3	6	1	1

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

	g)	Auditors' fees and expenses	3	3	1	1	2	2	-	-

	h)	Law charges	1	1	-	-	1	2	-	-

	i)	Postage, telegrams, telephones, etc.	4	7	2	2	3	4	-	-

	j)	Repairs and maintenance	2	2	-	1	2	3	-	-

	k)	Insurance	20	25	3	4	68	20	1	2

	l)	Other expenditure	56	61	14	11	101	39	122	29

V.	Provisions and contingencies		238	53	373	101	1411	16	-	-

	Total expenses*		5208	6047	806	944	3792	3854	539	549

VI.	Profit		1380	1452	-293	77	-557	1230	-164	-76
Total (III+IV+V+VI)			6826	7551	886	1122	4646	5099	375	473

								(Amount in Rs. lakh)
			For the year ended 31st March
			Hadoti		Haryana		Hazaribagh		Himachal
			Kshetriya		Kshetriya		Kshetriya		Gramin Bank
Items			Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(137)	(138)	(139)	(140)	(141)	(142)	(143)	(144)
Income

I.	Interest Earned		831	1113	17	1900	449	565	2311	2629

	a)	Interest/discount on advances/bills	374	515	-993	907	67	99	424	520

	b)	Income on Investments	130	547	404	422	128	192	1129	1345

	c)	Interest on balances with	327	51	606	571	255	273	756	762
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	1	2

II.	Other income		32	84	63	58	23	6	79	36

	a)	Commission, exchange and brokerage	18	28	33	42	3	2	64	19

	b)	Other miscellaneous income	15	57	30	16	20	4	16	18
Total (I+II)			863	1197	80	1957	472	571	2390	2665
Expenditure & Provisions

III.	Interest expended		804	929	1230	1449	251	343	1668	1946

	a)	Interest on deposits	701	833	1141	1293	237	319	1575	1853

	b)	Interest on RBI/inter-bank borrowings	103	97	89	155	14	25	1	1

	c)	Others	-	-	-	-	-	-	93	92

IV.	Operating expenses		353	456	450	491	120	116	715	610

	a)	Payments to and provisions for employees	302	346	403	441	104	98	607	556

	b)	Rent, taxes and lighting	9	12	8	9	6	3	10	11

	c)	Printing and stationery	5	5	2	2	1	2	4	7

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

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

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

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

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

	i)	Postage, telegrams, telephones, etc.	3	3	2	2	1	1	4	6

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

	k)	Insurance	5	7	8	9	2	-	10	12

	l)	Other expenditure	24	78	20	21	2	8	76	13

V.	Provisions and contingencies		958	-	-	-	63	56	276	-

	Total expenses*		1157	1385	1680	1939	371	459	2383	2556

VI.	Profit		-1252	-188	-1600	18	38	56	-270	110
Total (III+IV+V+VI)			863	1197	80	1957	472	571	2390	2665

								(Amount in Rs. lakh)
			For the year ended 31st March
			Hindon		Hissar-Sirsa		Howrah		Indore Ujjain
			Gramin Bank		Kshetriya		Gramin Bank		Gramin Bank
Items					Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(145)	(146)	(147)	(148)	(149)	(150)	(151)	(152)
Income

I.	Interest Earned		213	285	780	938	1333	1603	344	453

	a)	Interest/discount on advances/bills	44	66	356	431	295	284	131	190

	b)	Income on Investments	52	219	155	182	592	881	208	257

	c)	Interest on balances with	-	-	269	325	447	438	5	6
		RBI and other inter-bank funds

	d)	Others	116	-	-	-	-	-	-	-

II.	Other income		4	8	30	22	58	78	23	31

	a)	Commission, exchange and brokerage	3	5	5	5	41	52	4	4

	b)	Other miscellaneous income	1	3	25	17	17	26	19	27
Total (I+II)			217	293	810	960	1391	1681	367	485
Expenditure & Provisions

III.	Interest expended		140	175	508	561	842	1152	221	285

	a)	Interest on deposits	132	166	410	447	806	1108	187	247

	b)	Interest on RBI/inter-bank borrowings	8	9	3	5	36	45	34	3

	c)	Others	-	-	94	109	-	-	-	34

IV.	Operating expenses		85	94	184	205	351	373	163	187

	a)	Payments to and provisions for employees	65	72	154	171	295	321	142	162

	b)	Rent, taxes and lighting	3	3	7	8	9	13	6	7

	c)	Printing and stationery	1	1	3	3	6	3	1	5

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

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

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

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

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

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

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

	k)	Insurance	9	10	3	4	25	18	1	2

	l)	Other expenditure	4	5	12	12	9	10	9	8

V.	Provisions and contingencies		102	-	54	36	66	52	154	8

	Total expenses*		224	269	693	766	1193	1525	384	473

VI.	Profit		-110	23	64	158	132	104	-170	4
Total (III+IV+V+VI)			217	293	810	960	1391	1681	367	485

								(Amount in Rs. lakh)
			For the year ended 31st March
			Jaipur Nagaur		Jammu Rural		Jamnagar		Jamuna
			Anchalik		Bank		Gramin Bank		Gramin Bank
Items			Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(153)	(154)	(155)	(156)	(157)	(158)	(159)	(160)
Income

I.	Interest Earned		2267	2699	1925	2552	605	945	785	1293

	a)	Interest/discount on advances/bills	524	604	228	334	189	422	332	563

	b)	Income on Investments	641	728	221	3	134	180	257	339

	c)	Interest on balances with	1101	1367	1476	2215	282	343	196	391
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		131	69	15	20	8	8	63	82

	a)	Commission, exchange and brokerage	16	23	5	8	8	8	38	42

	b)	Other miscellaneous income	115	46	11	12	-	-	25	40
Total (I+II)			2398	2768	1940	2572	613	953	848	1374
Expenditure & Provisions

III.	Interest expended		1654	1996	1167	1510	553	596	584	801

	a)	Interest on deposits	1580	1907	1123	1443	465	492	503	689

	b)	Interest on RBI/inter-bank borrowings	74	89	-	-	87	103	8	16

	c)	Others	-	-	44	67	-	-	74	95

IV.	Operating expenses		698	755	455	518	231	249	228	268

	a)	Payments to and provisions for employees	616	685	404	462	210	223	176	199

	b)	Rent, taxes and lighting	10	12	9	11	5	6	9	10

	c)	Printing and stationery	7	9	8	9	4	6	3	4

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

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

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

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

	h)	Law charges	1	1	1	2	-	-	-	-

	i)	Postage, telegrams, telephones, etc.	4	6	2	3	1	1	3	3

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

	k)	Insurance	35	12	7	9	2	3	-	-

	l)	Other expenditure	21	25	20	16	6	7	32	47

V.	Provisions and contingencies		344	93	293	37	-	-	231	10

	Total expenses*		2351	2752	1622	2027	783	845	812	1069

VI.	Profit		-297	-77	25	508	-171	108	-196	296
Total (III+IV+V+VI)			2398	2768	1940	2572	613	953	848	1374

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