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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 6 of 13)

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Jhabua Dhar		Junagadh		Ka Bank		Kakathiya
			Kshetriya		Amreli		Nongkyndong		Gramin Bank
			Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(161)	(162)	(163)	(164)	(165)	(166)	(167)	(168)
Income

I.	Interest Earned		604	805	340	550	994	1137	373	556

	a)	Interest/discount on advances/bills	373	437	94	215	85	130	225	348

	b)	Income on Investments	10	30	78	155	622	655	-	2

	c)	Interest on balances with	220	338	169	181	288	352	148	206
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		29	107	26	25	35	11	28	30

	a)	Commission, exchange and brokerage	5	7	17	14	31	11	7	9

	b)	Other miscellaneous income	24	100	9	11	4	-	21	21
Total (I+II)			634	911	366	575	1030	1148	401	586

Expenditure & Provisions

III.	Interest expended		614	750	261	316	484	547	325	378

	a)	Interest on deposits	510	634	218	263	436	482	225	291

	b)	Interest on RBI/inter-bank borrowings	104	116	33	42	48	65	99	87

	c)	Others	-	-	10	11	-	-	-	-

IV.	Operating expenses		380	436	142	147	189	199	203	229

	a)	Payments to and provisions for employees	341	400	122	122	153	165	165	180

	b)	Rent, taxes and lighting	9	10	3	4	9	11	6	8

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

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

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

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

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

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

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

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

	k)	Insurance	6	5	2	2	4	2	3	4

	l)	Other expenditure	13	11	9	12	15	14	21	27

V.	Provisions and contingencies		1001	-	-	-	268	89	41	9

	Total expenses*		993	1186	403	463	673	746	528	607

VI.	Profit		-1360	-275	-37	112	89	313	-168	-30
Total (III+IV+V+VI)			634	911	366	575	1030	1148	401	586

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Kalahandi		Kalpatharu		Kamraz		Kanakadurga
			Anchalika		Gramin Bank		Gramin Bank		Gramin Bank
			Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(169)	(170)	(171)	(172)	(173)	(174)	(175)	(176)
Income

I.	Interest Earned		355	599	1116	1382	628	889	607	674

	a)	Interest/discount on advances/bills	184	285	538	693	79	123	365	426

	b)	Income on Investments	23	47	457	507	127	113	239	246

	c)	Interest on balances with	147	267	28	17	422	653	2	3
		RBI and other inter-bank funds

	d)	Others	-	-	93	165	-	-	-	-

II.	Other income		12	19	85	85	24	15	18	20

	a)	Commission, exchange and brokerage	-	-	50	54	5	7	4	8

	b)	Other miscellaneous income	12	19	35	32	18	7	14	12
Total (I+II)			367	618	1201	1467	652	904	625	694

Expenditure & Provisions

III.	Interest expended		330	407	715	832	531	666	334	355

	a)	Interest on deposits	244	337	550	648	509	637	228	257

	b)	Interest on RBI/inter-bank borrowings	86	69	165	184	23	29	106	98

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		399	398	449	451	419	505	121	132

	a)	Payments to and provisions for employees	361	367	381	384	355	440	98	104

	b)	Rent, taxes and lighting	8	9	8	10	8	10	5	7

	c)	Printing and stationery	5	4	6	6	8	10	3	4

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

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

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

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

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

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

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

	k)	Insurance	7	3	27	21	5	6	3	3

	l)	Other expenditure	9	7	19	19	39	34	2	3

V.	Provisions and contingencies		290	8	463	49	182	32	48	36

	Total expenses*		729	805	1164	1283	951	1171	455	486

VI.	Profit		-653	-195	-426	135	-480	-299	121	173
Total (III+IV+V+VI)			367	618	1201	1467	652	904	625	694

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Kanpur		Kapurthala		Kashi		Kisan
			Kshetriya		Firozpur		Gramin Bank		Gramin Bank
			Gramin Bank		Kshetriya
					Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(177)	(178)	(179)	(180)	(181)	(182)	(183)	(184)
Income

I.	Interest Earned		1709	2260	505	645	1151	1645	409	641

	a)	Interest/discount on advances/bills	429	479	140	233	284	418	135	235

	b)	Income on Investments	775	892	138	172	442	730	87	119

	c)	Interest on balances with	504	889	227	241	426	496	186	287
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-

II.	Other income		57	127	46	42	52	66	26	60

	a)	Commission, exchange and brokerage	52	48	2	2	14	17	14	15

	b)	Other miscellaneous income	5	79	44	40	38	49	12	44
Total (I+II)			1766	2388	551	687	1203	1711	435	700

Expenditure & Provisions

III.	Interest expended		1347	1601	383	431	1011	1226	363	421

	a)	Interest on deposits	1195	1439	346	391	953	1163	316	369

	b)	Interest on RBI/inter-bank borrowings	-	-	37	41	2	1	47	53

	c)	Others	151	162	-	-	56	61	-	-

IV.	Operating expenses		543	626	193	204	418	476	264	306

	a)	Payments to and provisions for employees	476	557	171	178	341	401	233	274

	b)	Rent, taxes and lighting	12	13	4	4	13	11	6	7

	c)	Printing and stationery	5	6	3	2	6	5	4	3

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

	e)	Depreciation on Bank's property	4	8	4	4	3	4	3	3

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

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

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

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

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

	k)	Insurance	16	10	1	1	19	16	1	1

	l)	Other expenditure	24	26	9	11	31	31	16	14

V.	Provisions and contingencies		1854	-	456	1	1531	-	175	38

	Total expenses*		1889	2227	576	635	1429	1701	627	728

VI.	Profit		-1977	161	-482	51	-1757	10	-367	-65
Total (III+IV+V+VI)			1766	2388	551	687	1203	1711	435	700

								(Amount in Rs. lakh)
			For the year ended 31st March
Items			Kolar		Koraput		Kosi Kshetriya		Krishna
			Gramin Bank		Panchabati		Gramin Bank		Gramin Bank
					Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(185)	(186)	(187)	(188)	(189)	(190)	(191)	(192)
Income

I.	Interest Earned		1097	1377	1347	1491	845	1123	1856	2673

	a)	Interest/discount on advances/bills	576	769	460	608	204	341	1247	1806

	b)	Income on Investments	517	604	887	880	-	6	259	361

	c)	Interest on balances with	-	5	-	-	642	776	350	505
		RBI and other inter-bank funds

	d)	Others	5	-	-	3	-	-	-	-

II.	Other income		66	71	46	285	21	34	49	47

	a)	Commission, exchange and brokerage	10	16	-	-	4	6	49	47

	b)	Other miscellaneous income	56	55	46	285	17	28	-	-
Total (I+II)			1164	1449	1392	1776	866	1157	1906	2720

Expenditure & Provisions

III.	Interest expended		643	741	711	848	859	1035	1218	1645

	a)	Interest on deposits	486	558	557	673	804	998	927	1185

	b)	Interest on RBI/inter-bank borrowings	158	164	154	174	55	37	-	459

	c)	Others	-	19	-	-	-	-	291	1

IV.	Operating expenses		414	375	596	568	1031	907	715	583

	a)	Payments to and provisions for employees	375	324	508	523	652	776	441	485

	b)	Rent, taxes and lighting	9	13	9	10	11	12	11	14

	c)	Printing and stationery	2	9	8	7	10	11	10	10

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

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

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

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

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

	i)	Postage, telegrams, telephones, etc.	3	5	4	6	2	2	3	5

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

	k)	Insurance	8	5	41	9	26	8	7	9

	l)	Other expenditure	13	14	18	6	323	91	236	52

V.	Provisions and contingencies		430	42	395	35	-	19	-311	106

	Total expenses*		1057	1116	1307	1416	1890	1942	1933	2228

VI.	Profit		-323	290	-310	325	-1024	-804	284	386
Total (III+IV+V+VI)			1164	1449	1392	1776	866	1157	1906	2720

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