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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 7 of 13)

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Kshetriya		Kutch		K.Kisan		Lakhimi
			Gramin Bank		Gramin Bank		Gramin Bank		Gaonlia Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(193)	(194)	(195)	(196)	(197)	(198)	(199)	(200)
Income

I.	Interest Earned		871	1317	751	895	704	948	852	1048

	a)	Interest/discount on advances/bills	354	530	173	309	202	226	175	211

	b)	Income on Investments	256	455	274	71	56	402	534	575

	c)	Interest on balances with	261	332	303	183	155	320	4	-
		RBI and other inter-bank funds

	d)	Others	-	-	-	331	291	-	139	262

II.	Other income		25	35	27	17	15	36	38	1040

	a)	Commission, exchange and brokerage	25	34	9	7	3	9	16	21

	b)	Other miscellaneous income	-	1	18	10	12	27	22	1019
Total (I+II)			896	1352	778	911	719	984	889	2088
Expenditure & Provisions

III.	Interest expended		693	857	527	856	712	647	635	776

	a)	Interest on deposits	633	779	480	465	364	586	582	711

	b)	Interest on RBI/inter-bank borrowings	4	4	47	59	58	61	52	64

	c)	Others	55	74	-	331	291	-	-	1

IV.	Operating expenses		443	482	200	356	585	213	604	513

	a)	Payments to and provisions for employees	393	433	182	300	244	191	538	453

	b)	Rent, taxes and lighting	11	12	3	6	5	4	14	14

	c)	Printing and stationery	5	5	3	3	3	4	7	8

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

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

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

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

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

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

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

	k)	Insurance	6	6	2	9	11	3	1	1

	l)	Other expenditure	18	17	5	34	318	4	37	31

V.	Provisions and contingencies		898	-	-	-	-	-	1255	2

	Total expenses*		1136	1338	727	1212	1297	860	1238	1289

VI.	Profit		-1138	14	51	-301	-579	124	-1604	797
Total (III+IV+V+VI)			896	1352	778	911	719	984	889	2088

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Langpi		Madhubani		Magadh		Mahakaushal
			Dehangi		Kshetriya		Gramin Bank		Kshetriya
			Rural Bank		Gramin Bank				Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(201)	(202)	(203)	(204)	(205)	(206)	(207)	(208)
Income

I.	Interest Earned		140	234	225	367	2525	2883	80	367

	a)	Interest/discount on advances/bills	41	47	59	123	232	403	12	32

	b)	Income on Investments	39	143	-	245	1660	1708	-	105

	c)	Interest on balances with	61	44	166	-	634	770	68	230
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	2	-	-

II.	Other income		18	22	6	7	32	155	11	11

	a)	Commission, exchange and brokerage	10	14	6	6	3	5	3	5

	b)	Other miscellaneous income	8	8	-	1	29	150	7	6
Total (I+II)			158	256	232	375	2557	3038	91	379
Expenditure & Provisions

III.	Interest expended		171	217	410	525	1670	1993	154	415

	a)	Interest on deposits	155	195	403	518	1616	1946	146	182

	b)	Interest on RBI/inter-bank borrowings	2	2	6	7	3	3	8	3

	c)	Others	14	20	-	-	52	44	-	230

IV.	Operating expenses		186	212	347	428	914	922	170	200

	a)	Payments to and provisions for employees	162	184	324	386	756	808	152	183

	b)	Rent, taxes and lighting	3	3	5	5	9	10	6	6

	c)	Printing and stationery	2	3	3	3	8	8	3	2

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

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

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

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

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

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

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

	k)	Insurance	3	2	3	23	118	69	2	2

	l)	Other expenditure	14	17	9	7	13	15	3	4

V.	Provisions and contingencies		47	25	188	48	1567	-	287	-

	Total expenses*		358	430	756	953	2584	2915	324	615

VI.	Profit		-246	-199	-713	-627	-1594	122	-521	-237
Total (III+IV+V+VI)			158	256	232	375	2557	3038	91	379

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Malaprabha		Mallabhum		Malwa		Mandla
			Gramin Bank		Gramin Bank		Gramin Bank		Balaghat Kshetriya
									Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(209)	(210)	(211)	(212)	(213)	(214)	(215)	(216)
Income

I.	Interest Earned		5168	5878	2510	3196	691	955	195	335

	a)	Interest/discount on advances/bills	3453	3852	687	860	343	397	47	75

	b)	Income on Investments	767	1026	962	1233	136	186	-	-

	c)	Interest on balances with	948	1000	861	1103	213	372	148	260
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		366	250	262	305	59	67	13	8

	a)	Commission, exchange and brokerage	43	49	217	246	35	40	8	7

	b)	Other miscellaneous income	323	201	45	59	24	27	6	1
Total (I+II)			5534	6128	2771	3501	750	1023	208	343
Expenditure & Provisions

III.	Interest expended		2822	3046	2164	3036	417	540	223	297

	a)	Interest on deposits	1758	1976	2026	2896	303	418	220	290

	b)	Interest on RBI/inter-bank borrowings	1064	1070	138	140	113	122	3	7

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		1695	1852	1169	1257	138	158	191	220

	a)	Payments to and provisions for employees	1485	1610	1069	1151	118	134	168	194

	b)	Rent, taxes and lighting	31	38	24	25	4	5	4	4

	c)	Printing and stationery	21	22	13	14	2	2	2	2

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

	e)	Depreciation on Bank's property	13	14	4	4	3	3	1	1

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

	g)	Auditors' fees and expenses	4	3	2	2	1	1	-	-

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

	i)	Postage, telegrams, telephones, etc.	17	21	1	1	1	1	1	1

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

	k)	Insurance	12	13	14	18	1	3	4	6

	l)	Other expenditure	109	126	38	38	8	10	11	11

V.	Provisions and contingencies		987	308	1032	16	45	41	71	23

	Total expenses*		4517	4898	3333	4292	555	699	414	517

VI.	Profit		30	922	-1594	-808	150	283	-277	-197
Total (III+IV+V+VI)			5534	6128	2771	3501	750	1023	208	343

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Manipur		Manjira		Marathwada		Marudhar
			Rural Bank		Gramin Bank		Gramin Bank		Kshetriya
									Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(217)	(218)	(219)	(220)	(221)	(222)	(223)	(224)
Income

I.	Interest Earned		137	161	1233	1748	2640	3032	251	339

	a)	Interest/discount on advances/bills	29	40	824	1051	959	1327	121	176

	b)	Income on Investments	11	11	186	301	1662	1700	4	7

	c)	Interest on balances with	97	110	223	396	19	5	-	-
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	126	156

II.	Other income		5	6	143	69	126	119	14	66

	a)	Commission, exchange and brokerage	1	2	15	26	110	97	2	2

	b)	Other miscellaneous income	4	4	128	43	15	22	12	63
Total (I+II)			142	167	1376	1817	2766	3151	265	405
Expenditure & Provisions

III.	Interest expended		91	116	909	1082	1765	1954	386	482

	a)	Interest on deposits	62	80	665	820	1405	1542	363	449

	b)	Interest on RBI/inter-bank borrowings	29	36	244	262	360	412	-	-

	c)	Others	-	-	-	-	-	-	23	33

IV.	Operating expenses		384	116	484	457	1133	1350	281	304

	a)	Payments to and provisions for employees	111	106	327	350	986	1183	243	268

	b)	Rent, taxes and lighting	4	4	9	10	26	31	5	5

	c)	Printing and stationery	2	2	5	7	16	12	4	4

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

	e)	Depreciation on Bank's property	1	1	6	7	6	7	1	2

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

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

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

	i)	Postage, telegrams, telephones, etc.	-	-	3	6	8	11	1	1

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

	k)	Insurance	1	1	5	6	11	11	3	3

	l)	Other expenditure	264	1	126	70	77	91	24	18

V.	Provisions and contingencies		-	-	460	55	59	-	49	13

	Total expenses*		475	231	1393	1539	2898	3305	667	786

VI.	Profit		-333	-64	-477	223	-191	-153	-452	-394
Total (III+IV+V+VI)			142	167	1376	1817	2766	3151	265	405

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