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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 10 of 13)

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Rushikulya		Ratlam		Ratnagiri		Rayalaseema
			Gramin Bank		Mandsaur Kshetriya		Sindhudurg Gramin Bank		Gramin Bank
					Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(289)	(290)	(291)	(292)	(293)	(294)	(295)	(296)
Income

I.	Interest Earned		990	1362	541	755	251	564	3596	4246

	a)	Interest/discount on advances/bills	327	460	212	258	99	275	2525	3018

	b)	Income on Investments	663	902	-	477	74	106	263	177

	c)	Interest on balances with	-	-	329	19	78	183	808	1052
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	1	-	-

II.	Other income		82	53	52	19	16	18	463	192

	a)	Commission, exchange and brokerage	7	6	18	17	2	1	68	64

	b)	Other miscellaneous income	75	48	34	2	14	16	395	127
Total (I+II)			1072	1415	593	774	267	582	4059	4438
Expenditure & Provisions

III.	Interest expended		738	982	396	542	213	402	2156	2434

	a)	Interest on deposits	618	851	356	489	185	364	1593	1917

	b)	Interest on RBI/inter-bank borrowings	119	130	40	54	-	38	547	497

	c)	Others	-	1	-	-	28	-	17	21

IV.	Operating expenses		429	385	193	188	141	179	1038	1144

	a)	Payments to and provisions for employees	290	347	166	160	120	147	903	965

	b)	Rent, taxes and lighting	8	9	8	7	4	8	23	26

	c)	Printing and stationery	5	6	3	3	3	5	14	14

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

	e)	Depreciation on Bank's property	3	3	2	2	1	4	6	7

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

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

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

	i)	Postage, telegrams, telephones, etc.	3	3	2	2	1	2	12	17

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

	k)	Insurance	36	6	3	3	2	2	2	1

	l)	Other expenditure	84	9	10	11	7	9	75	112

V.	Provisions and contingencies		257	37	-	37	16	-	1170	399

	Total expenses*		1167	1367	589	731	353	581	3194	3578

VI.	Profit		-351	11	4	6	-102	1	-305	461
Total (III+IV+V+VI)			1072	1415	593	774	267	582	4059	4438

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Rewa Sidhi		Sabarkantha-		Sagar		Sahyadri
			Gramin Bank		Gandhinagar		Gramin Bank		Gramin Bank
					Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(297)	(298)	(299)	(300)	(301)	(302)	(303)	(304)
Income

I.	Interest Earned		1794	2027	532	647	1938	2537	436	611

	a)	Interest/discount on advances/bills	503	494	192	239	398	412	261	371

	b)	Income on Investments	489	652	123	119	703	1228	24	56

	c)	Interest on balances with	802	880	217	289	838	898	151	185
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		34	27	25	20	104	49	52	28

	a)	Commission, exchange and brokerage	6	7	19	16	85	35	7	7

	b)	Other miscellaneous income	29	20	5	4	19	14	44	22
Total (I+II)			1828	2054	557	667	2042	2586	488	639
Expenditure & Provisions

III.	Interest expended		1129	1393	333	410	1392	1802	304	370

	a)	Interest on deposits	1046	1279	275	345	1292	1705	203	241

	b)	Interest on RBI/inter-bank borrowings	84	114	4	5	28	27	101	130

	c)	Others	-	-	53	60	72	70	-	-

IV.	Operating expenses		496	540	120	125	827	765	139	148

	a)	Payments to and provisions for employees	385	415	107	108	664	685	119	126

	b)	Rent, taxes and lighting	11	12	4	5	25	30	5	6

	c)	Printing and stationery	10	8	2	2	8	12	1	1

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

	e)	Depreciation on Bank's property	4	4	2	2	5	6	2	2

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

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

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

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

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

	k)	Insurance	51	70	2	2	9	13	-	-

	l)	Other expenditure	29	23	2	4	112	15	7	7

V.	Provisions and contingencies		354	93	76	51	1500	3	-	34

	Total expenses*		1626	1933	453	535	2219	2567	443	518

VI.	Profit		-151	28	28	82	-1676	16	45	87
Total (III+IV+V+VI)			1828	2054	557	667	2042	2586	488	639

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Samastipur Kshetriya		Samyukt Kshetriya		Sangameshwar Gramin Bank		Santhal Parganas
			Gramin Bank		Gramin Bank				Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(305)	(306)	(307)	(308)	(309)	(310)	(311)	(312)
Income

I.	Interest Earned		624	956	4092	6348	965	1264	1395	1638

	a)	Interest/discount on advances/bills	126	174	-190	824	501	621	94	233

	b)	Income on Investments	57	102	1074	2887	-	-	544	402

	c)	Interest on balances with	417	680	3208	2636	-	-	756	1003
		RBI and other inter-bank funds

	d)	Others	24	-	-	-	464	643	-	-

II.	Other income		26	33	74	63	141	230	35	38

	a)	Commission, exchange and brokerage	13	19	41	31	20	46	12	11

	b)	Other miscellaneous income	13	14	32	32	120	184	23	27
Total (I+II)			650	989	4165	6411	1105	1494	1430	1676
Expenditure & Provisions

III.	Interest expended		600	877	2781	3298	644	758	972	1160

	a)	Interest on deposits	555	804	2672	3182	480	586	893	1081

	b)	Interest on RBI/inter-bank borrowings	45	73	12	10	-	-	78	79

	c)	Others	-	-	97	106	164	172	-	-

IV.	Operating expenses		348	421	1129	1233	303	345	560	573

	a)	Payments to and provisions for employees	298	370	914	998	263	293	521	524

	b)	Rent, taxes and lighting	8	10	15	17	7	8	7	9

	c)	Printing and stationery	7	7	11	11	5	6	3	4

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

	e)	Depreciation on Bank's property	2	2	5	6	2	2	1	2

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

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

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

	i)	Postage, telegrams, telephones, etc.	-	1	5	7	3	4	1	1

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

	k)	Insurance	9	11	128	93	1	5	4	5

	l)	Other expenditure	20	18	46	95	21	25	21	26

V.	Provisions and contingencies		-	-	-	-	-	-	1234	45

	Total expenses*		947	1298	3910	4532	948	1103	1532	1733

VI.	Profit		-298	-309	255	1879	158	391	-1335	-103
Total (III+IV+V+VI)			650	989	4165	6411	1105	1494	1430	1676

(Amount in Rs. lakh)
			For the year ended 31st March
Items			Saran Kshetriya		Sarayu Gramin Bank		Shahajahanpur Kshetriya		Shahdol Kshetriya
			Gramin Bank				Gramin Bank		Gaonlia Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(313)	(314)	(315)	(316)	(317)	(318)	(319)	(320)
Income

I.	Interest Earned		414	558	727	961	403	673	300	362

	a)	Interest/discount on advances/bills	100	131	178	238	163	251	48	54

	b)	Income on Investments	-	1	543	716	60	158	-	16

	c)	Interest on balances with	313	426	6	7	180	265	252	293
		RBI and other inter-bank funds

	d)	Others	1	-	-	-	-	-	-	-

II.	Other income		4	6	16	44	37	64	16	12

	a)	Commission, exchange and brokerage	2	3	16	44	11	32	6	6

	b)	Other miscellaneous income	2	3	-	-	26	32	10	6
Total (I+II)			418	564	743	1005	440	737	315	374
Expenditure & Provisions

III.	Interest expended		487	595	364	445	278	385	267	354

	a)	Interest on deposits	471	577	314	390	210	301	259	344

	b)	Interest on RBI/inter-bank borrowings	16	19	50	55	-	-	7	10

	c)	Others	-	-	-	-	68	84	-	-

IV.	Operating expenses		237	284	170	184	146	164	185	221

	a)	Payments to and provisions for employees	222	263	147	159	119	138	153	187

	b)	Rent, taxes and lighting	3	3	5	5	3	4	4	4

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

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

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

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

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

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

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

	j)	Repairs and maintenance	1	1	-	-	3	6	-	-

	k)	Insurance	4	8	5	4	11	4	13	16

	l)	Other expenditure	3	4	6	7	4	5	11	10

V.	Provisions and contingencies		432	70	42	28	-	42	154	-

	Total expenses*		724	880	533	629	424	549	451	576

VI.	Profit		-739	-386	167	348	16	146	-290	-202
Total (III+IV+V+VI)			418	564	743	1005	440	737	315	374

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