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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 11 of 13)

(Amount in Rs. lakh)
			For the year ended 31st March
			Sharda Gramin Bank		Shekhawati Bank		Shivalik Kshetriya		Shivpuri Guna Kshetriya
Items							Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(321)	(322)	(323)	(324)	(325)	(326)	(327)	(328)
Income

I.	Interest Earned		702	843	1511	1834	905	1105	584	971

	a)	Interest/discount on advances/bills	98	122	581	719	201	269	183	263

	b)	Income on Investments	128	271	516	587	333	499	58	76

	c)	Interest on balances with	475	448	414	528	371	336	342	632
		RBI and other inter-bank funds

	d)	Others	-	2	-	-	-	-	-	-

II.	Other income		50	35	115	213	56	61	32	29

	a)	Commission, exchange and brokerage	47	33	13	13	4	4	11	16

	b)	Other miscellaneous income	3	2	102	200	52	56	21	12
Total (I+II)			752	878	1625	2046	960	1165	615	999
Expenditure & Provisions

III.	Interest expended		526	614	1241	1469	564	618	614	781

	a)	Interest on deposits	508	592	1110	1316	516	568	580	739

	b)	Interest on RBI/inter-bank borrowings	-	-	-	-	48	50	34	43

	c)	Others	18	22	131	153	-	-	-	-

IV.	Operating expenses		286	303	554	545	196	286	302	359

	a)	Payments to and provisions for employees	261	275	482	492	172	253	269	325

	b)	Rent, taxes and lighting	5	5	5	6	4	4	10	12

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

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

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

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

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

	h)	Law charges	-	-	2	3	1	1	-	-

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

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

	k)	Insurance	3	4	1	1	-	-	4	3

	l)	Other expenditure	9	11	49	25	11	21	8	8

V.	Provisions and contingencies		481	26	854	-	140	-	36	6

	Total expenses*		811	917	1795	2013	760	904	917	1140

VI.	Profit		-540	-64	-1023	33	60	261	-337	-147
Total (III+IV+V+VI)			752	878	1625	2046	960	1165	615	999
(Amount in Rs. lakh)
			For the year ended 31st March
			Shri Sathavahana Gramin Bank		Shri Venkateshwara		Singhbhum Gramin Bank		Siwan Kshetriya Gramin Bank
					Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(329)	(330)	(331)	(332)	(333)	(334)	(335)	(336)
Income

I.	Interest Earned		801	1055	1433	1737	759	1020	1165	1597

	a)	Interest/discount on advances/bills	417	522	928	1160	133	279	205	210

	b)	Income on Investments	129	131	32	34	331	323	113	150

	c)	Interest on balances with	255	402	473	543	295	418	846	1236
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		28	141	56	65	15	184	14	12

	a)	Commission, exchange and brokerage	19	23	26	32	3	3	5	7

	b)	Other miscellaneous income	9	117	30	34	12	181	9	5
Total (I+II)			829	1195	1488	1802	774	1203	1180	1609
Expenditure & Provisions

III.	Interest expended		615	767	869	1020	583	810	793	1032

	a)	Interest on deposits	516	654	661	867	561	760	769	1008

	b)	Interest on RBI/inter-bank borrowings	99	112	209	153	22	50	24	25

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		239	268	518	538	325	373	304	330

	a)	Payments to and provisions for employees	183	192	463	464	288	335	280	304

	b)	Rent, taxes and lighting	7	7	11	14	7	9	5	6

	c)	Printing and stationery	5	5	7	9	6	6	4	3

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

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

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

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

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

	i)	Postage, telegrams, telephones, etc.	1	1	6	10	1	1	-	1

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

	k)	Insurance	31	42	5	8	2	2	6	7

	l)	Other expenditure	8	15	18	25	17	16	6	6

V.	Provisions and contingencies		443	-	119	42	441	-	195	144

	Total expenses*		854	1034	1388	1558	908	1184	1097	1362

VI.	Profit		-468	161	-19	202	-575	20	-112	103
Total (III+IV+V+VI)			829	1195	1488	1802	774	1203	1180	1609
(Amount in Rs. lakh)
			For the year ended 31st March
			Solapur		South Malabar		Sravasthi		Sree Anantha
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(337)	(338)	(339)	(340)	(341)	(342)	(343)	(344)
Income

I.	Interest Earned		282	402	3629	4699	1349	1694	1981	2376

	a)	Interest/discount on advances/bills	211	314	2783	3612	425	462	1239	1553

	b)	Income on Investments	16	81	434	579	351	532	729	811

	c)	Interest on balances with	54	6	401	501	573	700	13	12
		RBI and other inter-bank funds

	d)	Others	-	-	10	6	-	-	-	-

II.	Other income		21	72	349	337	64	237	304	246

	a)	Commission, exchange and brokerage	3	5	326	332	64	71	26	31

	b)	Other miscellaneous income	18	67	23	5	-	166	278	215
Total (I+II)			303	474	3978	5035	1413	1931	2284	2622
Expenditure & Provisions

III.	Interest expended		244	282	1895	2193	744	872	1127	1324

	a)	Interest on deposits	165	196	1097	1307	631	758	859	993

	b)	Interest on RBI/inter-bank borrowings	79	86	798	886	113	114	264	328

	c)	Others	-	-	-	-	-	-	4	3

IV.	Operating expenses		142	149	1692	1950	504	510	524	531

	a)	Payments to and provisions for employees	118	126	1447	1667	448	460	388	427

	b)	Rent, taxes and lighting	8	6	43	52	8	10	10	12

	c)	Printing and stationery	3	3	18	24	5	5	9	9

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

	e)	Depreciation on Bank's property	3	3	8	8	4	6	8	10

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

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

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

	i)	Postage, telegrams, telephones, etc.	-	-	23	35	1	3	7	9

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

	k)	Insurance	1	1	11	13	22	8	1	2

	l)	Other expenditure	8	8	133	144	13	17	99	61

V.	Provisions and contingencies		137	4	611	3	1152	-	324	25

	Total expenses*		386	431	3587	4144	1248	1382	1651	1855

VI.	Profit		-220	38	-220	888	-986	548	309	742
Total (III+IV+V+VI)			303	474	3978	5035	1413	1931	2284	2622
(Amount in Rs. lakh)
			For the year ended 31st March
Items			Sri Saraswathi Gramin Bank		Sri Visakha Gramin Bank		Sriganganagar Kshetriya		Srirama Gramin Bank
							Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(345)	(346)	(347)	(348)	(349)	(350)	(351)	(352)
Income

I.	Interest Earned		1543	1892	2545	3551	365	529	590	682

	a)	Interest/discount on advances/bills	679	762	1223	1679	171	265	313	337

	b)	Income on Investments	827	1102	1321	1869	87	115	104	132

	c)	Interest on balances with	37	29	1	3	108	149	173	-
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	213

II.	Other income		30	40	62	138	25	44	23	29

	a)	Commission, exchange and brokerage	20	30	49	57	9	6	12	15

	b)	Other miscellaneous income	10	9	14	80	17	39	11	14
Total (I+II)			1573	1932	2608	3688	390	573	613	712
Expenditure & Provisions

III.	Interest expended		1032	1273	2133	2481	350	431	374	414

	a)	Interest on deposits	858	1105	1840	2158	321	384	273	319

	b)	Interest on RBI/inter-bank borrowings	35	149	293	323	29	47	101	95

	c)	Others	138	19	-	-	-	-	-	-

IV.	Operating expenses		376	431	1195	1001	153	180	151	188

	a)	Payments to and provisions for employees	323	324	1106	905	130	156	116	116

	b)	Rent, taxes and lighting	11	13	25	36	4	5	4	5

	c)	Printing and stationery	8	9	24	20	2	2	3	5

	d)	Advertisement and publicity	-	-	4	1	-	-	-	-

	e)	Depreciation on Bank's property	4	5	3	3	2	2	3	3

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

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

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

	i)	Postage, telegrams, telephones, etc.	2	3	11	12	1	1	-	-

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

	k)	Insurance	6	48	9	13	3	3	21	56

	l)	Other expenditure	22	28	7	7	10	11	2	2

V.	Provisions and contingencies		124	61	424	201	34	-	42	-

	Total expenses*		1408	1704	3328	3481	503	611	525	602

VI.	Profit		41	167	-1144	6	-147	-38	46	110
Total (III+IV+V+VI)			1573	1932	2608	3688	390	573	613	712

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