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Date : Sep 14, 1999

Table 51 : Earnings and Expenses of Regional Rural Banks -
1997-98 (Part 12 of 13)

								(Amount in Rs. lakh)
			For the year ended 31st March
			Subansiri		Sultanpur				Surendranagar
			Gaonlia		Kshetriya		Surat-Bharuch		Bhav nagar
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(353)	(354)	(355)	(356)	(357)	(358)	(359)	(360)
Income


I.	Interest Earned		361	464	2381	2541	695	852	368	597

	a)	Interest/discount on advances/bills	39	64	641	711	356	468	210	311

	b)	Income on Investments	112	113	1604	1696	81	118	15	65

	c)	Interest on balances with	210	288	136	134	258	266	143	220
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		36	96	130	41	33	33	49	53

	a)	Commission, exchange and brokerage	5	6	93	39	9	8	24	32

	b)	Other miscellaneous income	31	91	38	2	24	25	26	21
Total (I+II)			397	561	2511	2582	728	886	417	650
Expenditure & Provisions

III.	Interest expended		204	262	1623	1700	441	486	279	400

	a)	Interest on deposits	193	255	1253	1518	311	378	222	332

	b)	Interest on RBI/inter-bank borrowings	12	7	142	181	125	105	11	11

	c)	Others	-	-	227	-	5	3	46	57

IV.	Operating expenses		207	233	645	670	174	185	155	176

	a)	Payments to and provisions for employees	177	193	568	591	137	152	132	151

	b)	Rent, taxes and lighting	5	6	12	13	6	6	6	7

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

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

	e)	Depreciation on Bank's property	1	1	3	4	3	4	3	5

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

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

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

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

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

	k)	Insurance	1	1	9	9	12	3	3	1

	l)	Other expenditure	17	27	43	42	11	13	6	6

V.	Provisions and contingencies		488	-	455	134	91	7	108	9

	Total expenses*		411	496	2267	2370	615	671	434	576

VI.	Profit		-502	65	-211	78	22	207	-125	65
Total (III+IV+V+VI)			397	561	2511	2582	728	886	417	650

								(Amount in Rs. lakh)
			For the year ended 31st March
			Surguja
			Kshetriya		Thane		Thar Anchalik		Tripura
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(361)	(362)	(363)	(364)	(365)	(366)	(367)	(368)
Income

I.	Interest Earned		617	873	403	451	444	533	746	1185

	a)	Interest/discount on advances/bills	147	170	40	44	215	249	133	148

	b)	Income on Investments	1	10	239	265	43	109	259	509

	c)	Interest on balances with	469	693	124	141	186	174	354	529
		RBI and other inter-bank funds

	d)	Others	-	-	-	2	-	-	-	-

II.	Other income		13	20	10	11	76	107	26	38

	a)	Commission, exchange and brokerage	12	17	4	6	7	10	26	38

	b)	Other miscellaneous income	1	2	5	5	69	97	-	-
Total (I+II)			630	893	412	462	520	640	772	1223
Expenditure & Provisions

III.	Interest expended		589	786	182	224	363	455	1148	1388

	a)	Interest on deposits	569	757	174	213	336	409	956	1232

	b)	Interest on RBI/inter-bank borrowings	-	28	8	11	27	46	192	156

	c)	Others	19	-	-	-	-	1	-	-

IV.	Operating expenses		341	391	93	102	255	288	753	1014

	a)	Payments to and provisions for employees	299	352	73	81	227	259	692	948

	b)	Rent, taxes and lighting	6	7	3	3	4	5	17	22

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

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

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

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

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

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

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

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

	k)	Insurance	17	6	1	2	2	3	1	9

	l)	Other expenditure	11	13	5	5	14	13	26	14

V.	Provisions and contingencies		-114	76	56	12	-	-	2801	120

	Total expenses*		930	1177	276	326	618	744	1901	2401

VI.	Profit		-185	-360	81	124	-98	-104	-3930	-1298
Total (III+IV+V+VI)			630	893	412	462	520	640	772	1223

								(Amount in Rs. lakh)
			For the year ended 31st March
							Uttar Banga		Vaishali
			Tulsi		Tungabhadra		Kshetriya		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998
			(369)	(370)	(371)	(372)	(373)	(374)	(375)	(376)
Income

I.	Interest Earned		703	1055	4090	4696	1082	1361	1191	1692

	a)	Interest/discount on advances/bills	226	402	2334	2907	371	442	211	331

	b)	Income on Investments	474	647	1173	1260	175	281	-	4

	c)	Interest on balances with	3	6	13	5	537	635	979	1357

		RBI and other inter-bank funds

	d)	Others	-	-	570	523	-	2	-	-

II.	Other income		37	274	315	351	152	144	12	18

	a)	Commission, exchange and brokerage	37	274	91	67	105	15	11	18

	b)	Other miscellaneous income	1	1	224	284	47	128	1	-
Total (I+II)			740	1329	4405	5047	1235	1504	1203	1710
Expenditure & Provisions

III.	Interest expended		547	696	2054	2434	957	1149	1329	1635

	a)	Interest on deposits	502	635	1344	1662	896	1079	1287	1585

	b)	Interest on RBI/inter-bank borrowings	45	62	711	771	61	70	43	50

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		454	439	1094	1226	720	820	832	976

	a)	Payments to and provisions for employees	394	402	965	1076	578	654	770	896

	b)	Rent, taxes and lighting	6	7	21	24	12	15	11	13

	c)	Printing and stationery	6	7	15	17	6	5	6	6

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

	e)	Depreciation on Bank's property	3	4	10	12	4	5	4	4

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

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

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

	i)	Postage, telegrams, telephones, etc.	2	3	13	17	2	3	2	2

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

	k)	Insurance	6	7	1	12	8	11	16	35

	l)	Other expenditure	36	7	65	59	108	124	21	18

V.	Provisions and contingencies		652	-	507	263	1662	131	828	62

	Total expenses*		1001	1136	3149	3660	1677	1969	2162	2611

VI.	Profit		-912	194	749	1125	-2104	-596	-1787	-963
Total (III+IV+V+VI)			740	1329	4405	5047	1235	1504	1203	1710

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