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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 8 of 13)

(Amount in Rs. lakh)

			For the year ended 31st March
Items			Marwar		Mayurakshi		Mewar		Mithila
			Gramin Bank		Gramin Bank		Anchalik		Kshetriya
							Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(225)	(226)	(227)	(228)	(229)	(230)	(231)	(232)
Income

I.	Interest Earned		2657	3171	1037	1329	728	1057	414	549

	a)	Interest/discount on advances/bills	713	1075	343	427	206	277	109	122

	b)	Income on Investments	997	1180	-	-	152	184	-	16

	c)	Interest on balances with	946	916	448	595	3	5	303	411
		RBI and other inter-bank funds

	d)	Others	-	-	247	307	367	592	1	-

II.	Other income		54	112	95	372	46	36	11	32

	a)	Commission, exchange and brokerage	52	112	88	70	7	8	7	8

	b)	Other miscellaneous income	2	-	8	302	39	29	4	24
Total (I+II)			2711	3283	1133	1701	775	1094	425	581
Expenditure & Provisions

III.	Interest expended		1961	2387	1076	1429	618	901	498	638

	a)	Interest on deposits	1854	2248	1005	1358	577	847	465	612

	b)	Interest on RBI/inter-bank borrowings	108	138	71	71	41	54	32	26

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		653	757	501	584	255	299	870	393

	a)	Payments to and provisions for employees	590	683	464	543	218	247	310	365

	b)	Rent, taxes and lighting	11	13	7	10	9	11	5	5

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

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

	e)	Depreciation on Bank's property	2	3	1	1	5	5	2	2

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

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

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

	i)	Postage, telegrams, telephones, etc.	5	8	1	1	3	4	1	1

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

	k)	Insurance	2	2	7	8	-	-	1	1

	l)	Other expenditure	32	36	13	11	14	28	546	15

V.	Provisions and contingencies		-	-	280	-	26	-	-	-

	Total expenses*		2614	3144	1577	2013	873	1199	1368	1031

VI.	Profit		97	139	-724	-312	-125	-106	-943	-450
Total (III+IV+V+VI)			2711	3283	1133	1701	775	1094	425	581

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Mizoram		Monghyr		Murshidabad		Muzaffarnagar
			Rural Bank		Kshetriya		Gramin Bank		Gramin Bank
					Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(233)	(234)	(235)	(236)	(237)	(238)	(239)	(240)
Income

I.	Interest Earned			485	1426	1413		630	336	463

	a)	Interest/discount on advances/bills		107	370	168		176	89	124

	b)	Income on Investments		247	215	410		344	126	205

	c)	Interest on balances with		129	841	835		110	121	135
		RBI and other inter-bank funds

	d)	Others		2	-	-		-	-	-

II.	Other income		N	26	80	329	N	27	13	5

	a)	Commission, exchange and brokerage	O	5	14	9	O	10	1	2

	b)	Other miscellaneous income	T	21	66	320	T	18	12	3
Total (I+II)				512	1507	1742		657	348	468
Expenditure & Provisions

III.	Interest expended		A	238	907	1113	A	429	244	284

	a)	Interest on deposits	V	203	892	1087	V	391	207	243

	b)	Interest on RBI/inter-bank borrowings	A	31	16	26	A	38	12	9

	c)	Others	I	4	-	-	I	-	26	31

IV.	Operating expenses		L	187	569	617	L	182	121	138

	a)	Payments to and provisions for employees	A	152	526	572	A	144	100	113

	b)	Rent, taxes and lighting	B	9	10	10	B	4	3	4

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

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

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

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

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

	h)	Law charges		-	-	-		-	-	-

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

	j)	Repairs and maintenance		2	1	2		-	-	-

	k)	Insurance		3	17	14		3	4	4

	l)	Other expenditure		13	6	11		25	7	9

V.	Provisions and contingencies			22	1781	-		34	194	-

	Total expenses*			425	1476	1730		612	365	422

VI.	Profit			65	-1750	12		11	-211	46
Total (III+IV+V+VI)				512	1507	1742		657	348	468

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Nadia		Nagaland		Nagarjuna		Nainital Almora
			Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya
									Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(241)	(242)	(243)	(244)	(245)	(246)	(247)	(248)
Income

I.	Interest Earned		941	1224	79	73	1204	2161	700	889

	a)	Interest/discount on advances/bills	232	306	7	20	514	1235	322	376

	b)	Income on Investments	444	513	-	-	333	385	373	498

	c)	Interest on balances with	265	405	72	53	358	540	4	15
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		12	58	2	1	48	226	25	22

	a)	Commission, exchange and brokerage	12	58	1	1	42	48	11	5

	b)	Other miscellaneous income	-	-	2	-	6	178	15	17
Total (I+II)			953	1283	81	74	1253	2387	725	911
Expenditure & Provisions

III.	Interest expended		651	824	92	41	1112	1351	455	559

	a)	Interest on deposits	551	708	46	36	938	1119	383	489

	b)	Interest on RBI/inter-bank borrowings	101	116	1	1	170	226	71	69

	c)	Others	-	-	44	4	3	6	1	1

IV.	Operating expenses		315	340	33	29	860	1080	225	257

	a)	Payments to and provisions for employees	287	310	26	24	746	977	187	212

	b)	Rent, taxes and lighting	6	7	1	1	20	22	14	16

	c)	Printing and stationery	5	4	-	-	9	12	4	5

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

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

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

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

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

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

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

	k)	Insurance	2	-	1	1	34	9	2	5

	l)	Other expenditure	11	14	4	2	41	51	9	11

V.	Provisions and contingencies		398	257	-	-	47	40	43	19

	Total expenses*		966	1164	124	71	1972	2431	680	816

VI.	Profit		-411	-138	-43	3	-767	-85	2	76
Total (III+IV+V+VI)			953	1283	81	74	1253	2387	725	911

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Nalanda		Netravati		Nimar		North Malabar
			Gramin Bank		Gramin Bank		Kshetriya		Gramin Bank
							Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(249)	(250)	(251)	(252)	(253)	(254)	(255)	(256)
Income

I.	Interest Earned		450	601	198	272	825	1257	3255	3935

	a)	Interest/discount on advances/bills	79	106	134	175	394	501	2418	2953

	b)	Income on Investments	-	-	9	5	125	332	837	535

	c)	Interest on balances with	372	495	56	92	306	425	0	447
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		29	12	21	27	68	38	309	295

	a)	Commission, exchange and brokerage	3	4	3	3	3	4	35	42

	b)	Other miscellaneous income	27	9	18	24	65	34	274	253
Total (I+II)			480	614	219	299	892	1296	3564	4230
Expenditure & Provisions

III.	Interest expended		546	688	140	175	612	815	1616	1953

	a)	Interest on deposits	541	680	102	131	529	722	992	1166

	b)	Interest on RBI/inter-bank borrowings	6	9	38	45	5	5	625	788

	c)	Others	-	-	-	-	79	89	-	-

IV.	Operating expenses		326	372	103	117	305	395	1155	1216

	a)	Payments to and provisions for employees	284	332	92	103	270	356	944	968

	b)	Rent, taxes and lighting	5	6	3	4	10	10	29	35

	c)	Printing and stationery	2	2	1	2	5	5	16	18

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

	e)	Depreciation on Bank's property	2	2	1	1	3	4	7	7

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

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

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

	i)	Postage, telegrams, telephones, etc.	1	2	1	2	2	3	16	25

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

	k)	Insurance	1	1	1	-	-	1	8	29

	l)	Other expenditure	29	25	4	5	13	14	131	130

V.	Provisions and contingencies		246	245	-	-	194	55	-	-

	Total expenses*		873	1060	243	292	917	1210	2771	3170

VI.	Profit		-639	-691	-24	7	-219	31	793	1060
Total (III+IV+V+VI)			480	614	219	299	892	1296	3564	4230

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