Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 1 of 8) - আৰবিআই - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 1 of 8)
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Adhiyaman | Akola | Alaknanda | Aligarh | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) |
Income | ||||||||||
I. | Interest Earned | 481 | 577 | 299 | 330 | 610 | 752 | 3181 | 3885 | |
a) | Interest/discount on advances/bills | 346 | 346 | 166 | 192 | 104 | 126 | 1183 | 1333 | |
b) | Income on Investments | 15 | 48 | - | - | 104 | 101 | 1233 | 1485 | |
c) | Interest on balances with | 120 | 182 | 134 | 138 | 402 | 526 | 765 | 1068 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 39 | 59 | 18 | 46 | 47 | 36 | 99 | 93 | |
a) | Commission, exchange and brokerage | 5 | 11 | 11 | 13 | 5 | 7 | 62 | 53 | |
b) | Other miscellaneous income | 34 | 47 | 6 | 32 | 41 | 29 | 37 | 41 | |
Total(I+II) | 520 | 635 | 317 | 376 | 656 | 788 | 3280 | 3978 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 242 | 281 | 260 | 268 | 404 | 497 | 1865 | 2264 | |
a) | Interest on deposits | 189 | 232 | 201 | 154 | 384 | 466 | 1549 | 1964 | |
b) | Interest on RBI/inter-bank borrowings | 53 | 49 | - | 68 | 21 | 31 | 316 | 300 | |
c) | Others | - | - | 59 | 46 | - | - | - | - | |
IV. | Operating expenses | 130 | 147 | 210 | 230 | 174 | 211 | 558 | 680 | |
a) | Payments to and provisions for employees | 105 | 119 | 184 | 199 | 136 | 167 | 500 | 605 | |
b) | Rent, taxes and lighting | 4 | 5 | 7 | 7 | 5 | 5 | 14 | 17 | |
c) | Printing and stationery | 3 | 3 | 2 | 2 | 2 | 2 | 8 | 7 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 2 | 2 | 2 | 2 | 1 | 1 | 4 | 5 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | - | - | - | 1 | 1 | 1 | |
h) | Law charges | - | - | - | - | - | - | 1 | 1 | |
i) | Postage, telegrams, telephones, etc. | 3 | 4 | 2 | 1 | 1 | 1 | 3 | 5 | |
j) | Repairs and maintenance | 2 | 2 | - | - | - | - | 2 | - | |
k) | Insurance | 1 | 1 | 2 | 2 | 13 | 17 | 1 | 2 | |
l) | Other expenditure | 10 | 11 | 11 | 16 | 16 | 17 | 22 | 38 | |
V. | Provisions and contingencies | 14 | 26 | 10 | 8 | - | - | 120 | - | |
Total expenses* | 372 | 428 | 470 | 498 | 578 | 708 | 2423 | 2941 | ||
VI. | Profit | 134 | 181 | -163 | -129 | 78 | 80 | 736 | 1034 | |
Total (III+IV+V+VI) | 520 | 635 | 317 | 376 | 656 | 788 | 3280 | 3978 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Allahabad | Alwar | Ambala | Aravali | |||||||
Items | Kshetriya | Bharatpur | Kurukshetra | Kshetriya | ||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) |
Income | ||||||||||
I | Interest Earned | 1378 | 2026 | 1112 | 1204 | 906 | 1120 | 592 | 797 | |
a) | Interest/discount on advances/bills | 303 | 434 | 504 | 483 | 474 | 609 | 376 | 434 | |
b) | Income on Investments | 525 | 624 | 288 | 357 | 202 | 276 | 45 | 117 | |
c) | Interest on balances with | 550 | 968 | 320 | 364 | 229 | 231 | 170 | 247 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | 1 | 3 | - | - | |
II. | Other income | 48 | 76 | 28 | 33 | 25 | 30 | 34 | 45 | |
a) | Commission, exchange and brokerage | 33 | 13 | 7 | 12 | 3 | 6 | 11 | 14 | |
b) | Other miscellaneous income | 15 | 63 | 21 | 21 | 21 | 24 | 22 | 30 | |
Total(I+II) | 1426 | 2102 | 1140 | 1237 | 931 | 1150 | 626 | 842 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 1235 | 1476 | 761 | 895 | 605 | 710 | 600 | 749 | |
a) | Interest on deposits | 1180 | 1427 | 713 | 827 | 494 | 590 | 537 | 653 | |
b) | Interest on RBI/inter-bank borrowings | 55 | 49 | 48 | 68 | 111 | 120 | 63 | 96 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 659 | 591 | 405 | 507 | 191 | 260 | 302 | 342 | |
a) | Payments to and provisions for employees | 411 | 504 | 368 | 464 | 158 | 222 | 257 | 292 | |
b) | Rent, taxes and lighting | 12 | 12 | 10 | 10 | 6 | 6 | 8 | 9 | |
c) | Printing and stationery | 6 | 9 | 4 | 4 | 2 | 2 | 5 | 5 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 4 | 4 | 2 | 2 | 3 | 3 | 4 | 4 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
h) | Law charges | - | 1 | - | - | 1 | - | 1 | 2 | |
i) | Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 3 | 2 | 3 | 3 | 4 | |
j) | Repairs and maintenance | - | - | 1 | 1 | 1 | - | 1 | 2 | |
k) | Insurance | 17 | 12 | 5 | 6 | 3 | 4 | 7 | 6 | |
l) | Other expenditure | 206 | 46 | 12 | 14 | 16 | 18 | 15 | 17 | |
V. | Provisions and contingencies | 302 | - | - | - | 49 | 70 | - 41 | 26 | |
Total expenses* | 1894 | 2067 | 1166 | 1401 | 796 | 970 | 901 | 1091 | ||
VI. | Profit | -770 | 35 | -26 | -164 | 86 | 110 | -234 | -275 | |
Total (III+IV+V+VI) | 1426 | 2102 | 1140 | 1237 | 931 | 1150 | 626 | 842 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Arunachal | Aurangabad | |||||||||
Items | Pradesh | Jalana | Avadh | Baitarani | ||||||
Rural Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) |
Income | ||||||||||
I. | Interest Earned | 225 | 381 | 1025 | 1109 | 3135 | 3848 | 885 | 1239 | |
a) | Interest/discount on advances/bills | 157 | 335 | 406 | 485 | 512 | 598 | 393 | 489 | |
b) | Income on Investments | 68 | 41 | 607 | 604 | 2596 | 3211 | 234 | 380 | |
c) | Interest on balances with | - | 5 | 12 | 19 | 26 | 39 | 257 | 370 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 15 | 16 | 74 | 46 | 63 | 55 | 12 | 19 | |
a) | Commission, exchange and brokerage | 8 | 10 | 69 | 40 | 12 | 13 | 5 | 7 | |
b) | Other miscellaneous income | 7 | 6 | 5 | 6 | 51 | 42 | 8 | 12 | |
Total(I+II) | 240 | 397 | 1099 | 1155 | 3198 | 3903 | 897 | 1257 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 129 | 195 | 500 | 545 | 1829 | 2235 | 816 | 1048 | |
a) | Interest on deposits | 99 | 153 | 351 | 378 | 1707 | 2107 | 707 | 924 | |
b) | Interest on RBI/inter-bank borrowings | 30 | 42 | 149 | 167 | 122 | 127 | 110 | 124 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 83 | 99 | 335 | 374 | 717 | 1011 | 492 | 613 | |
a) | Payments to and provisions for employees | 72 | 73 | 263 | 284 | 655 | 725 | 456 | 532 | |
b) | Rent, taxes and lighting | 3 | 5 | 9 | 9 | 13 | 17 | 10 | 10 | |
c) | Printing and stationery | 3 | 3 | 5 | 7 | 12 | 11 | 6 | 5 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 1 | 1 | 6 | 7 | 8 | 15 | - | 2 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 1 | 1 | 1 | 1 | 2 | |
h) | Law charges | - | - | 1 | - | - | - | - | 1 | |
i) | Postage, telegrams, telephones, etc. | - | 1 | 3 | 4 | 1 | 1 | 1 | 2 | |
j) | Repairs and maintenance | - | 4 | 2 | 2 | 2 | 2 | 1 | 1 | |
k) | Insurance | 2 | 2 | 9 | 4 | 14 | 21 | 6 | 10 | |
l) | Other expenditure | 2 | 9 | 37 | 57 | 10 | 216 | 11 | 49 | |
V. | Provisions and contingencies | 20 | 84 | 159 | 75 | 138 | 205 | 21 | - | |
Total expenses* | 212 | 294 | 835 | 919 | 2545 | 3245 | 1308 | 1660 | ||
VI. | Profit | 8 | 19 | 105 | 161 | 514 | 453 | - 432 | - 403 | |
Total (III+IV+V+VI) | 240 | 397 | 1099 | 1155 | 3198 | 3904 | 897 | 1257 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Balia | Banaskantha | |||||||||
Balasore | Kshetriya | Mehsana | Bara Banki | |||||||
Items | Gramya Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) |
Income | ||||||||||
I | Interest Earned | 235 | 274 | 1786 | 2545 | 851 | 1179 | 2132 | 2462 | |
a) | Interest/discount on advances/bills | 188 | 171 | 418 | 453 | 337 | 424 | 321 | 367 | |
b) | Income on Investments | - | - | 374 | 2025 | 212 | 321 | 1235 | 1444 | |
c) | Interest on balances with | 46 | 103 | - | - | 295 | 421 | 530 | 609 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | 993 | 67 | 6 | 14 | 46 | 43 | |
II. | Other income | 28 | 26 | 104 | 259 | 39 | 73 | 29 | 35 | |
a) | Commission, exchange and brokerage | 3 | 4 | 30 | 24 | 6 | 7 | 18 | 23 | |
b) | Other miscellaneous income | 26 | 23 | 73 | 235 | 33 | 66 | 11 | 12 | |
Total(I+II) | 263 | 300 | 1889 | 2804 | 890 | 1252 | 2161 | 2498 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 568 | 694 | 1272 | 1547 | 726 | 900 | 1240 | 1385 | |
a) | Interest on deposits | 480 | 599 | 228 | 1467 | 621 | 780 | 1149 | 1300 | |
b) | Interest on RBI/inter-bank borrowings | 9 | 10 | 961 | 81 | 105 | 120 | 91 | 85 | |
c) | Others | 80 | 85 | 84 | - | - | - | - | - | |
IV. | Operating expenses | 383 | 426 | 446 | 536 | 356 | 425 | 499 | 673 | |
a) | Payments to and provisions for employees | 352 | 393 | 411 | 497 | 314 | 385 | 454 | 552 | |
b) | Rent, taxes and lighting | 9 | 10 | 7 | 8 | 7 | 8 | 9 | 10 | |
c) | Printing and stationery | 1 | 4 | 5 | 4 | 4 | 4 | 6 | 6 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | |
h) | Law charges | - | - | - | - | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 3 | |
j) | Repairs and maintenance | 1 | - | - | - | 1 | 2 | 1 | 1 | |
k) | Insurance | 3 | 2 | - | - | - | - | 1 | 1 | |
l) | Other expenditure | 12 | 13 | 19 | 23 | 25 | 21 | 22 | 96 | |
V. | Provisions and contingencies | 105 | 135 | - | - | - | - | 47 | 69 | |
Total expenses* | 951 | 1119 | 1718 | 2083 | 1082 | 1325 | 1739 | 2057 | ||
VI. | Profit | -794 | - 955 | 171 | 721 | -192 | -73 | 375 | 440 | |
Total (III+IV+V+VI) | 263 | 300 | 1889 | 2804 | 890 | 1252 | 2161 | 2567 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Bareilly | Bastar | |||||||||
Bardhman | Kshetriya | Kshetriya | Basti | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (33) | (34) | (35) | (36) | (37) | (38) | (39) | (40) |
Income | ||||||||||
I. | Interest Earned | 2166 | 2830 | 1058 | 1543 | 356 | 473 | 2194 | 2800 | |
a) | Interest/discount on advances/bills | 380 | 534 | 384 | 502 | 104 | 163 | 399 | 423 | |
b) | Income on Investments | 1240 | 1399 | 663 | 1028 | 7 | 5 | 1789 | 2346 | |
c) | Interest on balances with | 545 | 897 | 10 | 13 | 245 | 306 | 7 | 30 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 144 | 128 | 73 | 65 | 16 | 22 | 153 | 51 | |
a) | Commission, exchange and brokerage | 35 | 15 | 46 | 15 | 6 | 7 | 69 | 32 | |
b) | Other miscellaneous income | 109 | 113 | 27 | 50 | 10 | 16 | 84 | 18 | |
Total(I+II) | 2310 | 2958 | 1131 | 1608 | 371 | 495 | 2347 | 2850 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 1590 | 2129 | 678 | 836 | 367 | 463 | 1391 | 1668 | |
a) | Interest on deposits | 1522 | 2062 | 616 | 756 | 351 | 441 | 1271 | 1541 | |
b) | Interest on RBI/inter-bank borrowings | 68 | 67 | 62 | 80 | 16 | 22 | 119 | 127 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 576 | 655 | 413 | 503 | 338 | 385 | 515 | 593 | |
a) | Payments to and provisions for employees | 518 | 569 | 373 | 452 | 316 | 361 | 447 | 522 | |
b) | Rent, taxes and lighting | 12 | 14 | 12 | 13 | 5 | 6 | 8 | 9 | |
c) | Printing and stationery | 9 | 9 | 6 | 6 | 4 | 4 | 5 | 6 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 3 | 3 | 3 | 3 | 1 | 1 | 2 | 3 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | - | - | 1 | 1 | |
h) | Law charges | - | - | - | 1 | 1 | 1 | 3 | 1 | |
i) | Postage, telegrams, telephones, etc. | 2 | 3 | 2 | 3 | 1 | 1 | 8 | 9 | |
j) | Repairs and maintenance | 1 | 1 | 4 | 5 | 1 | 1 | 1 | 2 | |
k) | Insurance | 11 | 34 | 5 | 9 | 7 | 8 | 18 | 14 | |
l) | Other expenditure | 17 | 21 | 8 | 28 | 2 | 3 | 21 | 26 | |
V. | Provisions and contingencies | 38 | 153 | 38 | 17 | 7 | - | - | 86 | |
Total expenses* | 2165 | 2784 | 1091 | 1341 | 705 | 848 | 1906 | 2262 | ||
VI. | Profit | 107 | 21 | 2 | 250 | - 341 | - 353 | 441 | 502 | |
Total (III+IV+V+VI) | 2310 | 2958 | 1131 | 1608 | 371 | 495 | 2347 | 2850 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Begusarai | Bhagalpur | |||||||||
Banka | ||||||||||
Kshetriya | Kshetriya | Bhagirath | Bhandara | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (41) | (42) | (43) | (44) | (45) | (46) | (47) | (48) |
Income | ||||||||||
I. | Interest Earned | 263 | 367 | 375 | 473 | 3116 | 3715 | 396 | 532 | |
a) | Interest/discount on advances/bills | 57 | 51 | 150 | 143 | 433 | 531 | 202 | 304 | |
b) | Income on Investments | 195 | 127 | 212 | 327 | 2674 | 3178 | 70 | 72 | |
c) | Interest on balances with | 12 | 172 | 14 | 4 | 8 | 6 | 123 | 155 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | 17 | - | - | - | - | - | - | |
II. | Other income | 9 | 5 | 5 | 13 | 157 | 145 | 19 | 74 | |
a) | Commission, exchange and brokerage | 1 | 1 | 2 | 6 | 157 | 144 | 2 | 3 | |
b) | Other miscellaneous income | 8 | 3 | 2 | 6 | - | 1 | 16 | 71 | |
Total(I+II) | 272 | 372 | 380 | 486 | 3273 | 3860 | 414 | 606 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 179 | 230 | 271 | 397 | 1438 | 1602 | 365 | 475 | |
a) | Interest on deposits | 170 | 220 | 244 | 367 | 1300 | 1474 | 333 | 433 | |
b) | Interest on RBI/inter-bank borrowings | 10 | 10 | 18 | 30 | 138 | 128 | 33 | 42 | |
c) | Others | - | 10 | - | - | - | - | - | - | |
IV. | Operating expenses | 78 | 110 | 94 | 136 | 681 | 733 | 206 | 247 | |
a) | Payments to and provisions for employees | 70 | 99 | 85 | 112 | 609 | 652 | 184 | 218 | |
b) | Rent, taxes and lighting | 3 | 3 | - | 6 | 14 | 18 | 6 | 7 | |
c) | Printing and stationery | 1 | 1 | - | 3 | 9 | 9 | 4 | 5 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 1 | 2 | 2 | 2 | 5 | 6 | 2 | 2 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | - | - | 1 | 1 | - | - | |
h) | Law charges | - | - | - | - | 10 | 2 | - | - | |
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | |
j) | Repairs and maintenance | - | - | - | - | 1 | 2 | 1 | - | |
k) | Insurance | 1 | 2 | 1 | 5 | 14 | 14 | - | - | |
l) | Other expenditure | 1 | 2 | 5 | 6 | 17 | 28 | 8 | 13 | |
V. | Provisions and contingencies | 2 | 29 | 21 | 45 | 114 | 116 | 23 | - | |
Total expenses* | 257 | 341 | 366 | 533 | 2119 | 2335 | 571 | 721 | ||
VI. | Profit | 15 | 3 | 7 - | - 93 | 1040 | 1409 | -180 | -115 | |
Total (III+IV+V+VI) | 272 | 372 | 380 | 486 | 3273 | 3860 | 414 | 606 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |