Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 5 of 8) - আৰবিআই - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 5 of 8)
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Kshetriya | Kutch | K.Kisan | Lakhimi | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gaonlia Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (193) | (194) | (195) | (196) | (197) | (198) | (199) | (200) |
Income | ||||||||||
I. | Interest Earned | 1317 | 1705 | 895 | 1225 | 948 | 1186 | 1048 | 1347 | |
a) | Interest/discount on advances/bills | 530 | 664 | 309 | 357 | 226 | 398 | 211 | 253 | |
b) | Income on Investments | 455 | 81 | 71 | 656 | 402 | 83 | 575 | 948 | |
c) | Interest on balances with | 332 | 961 | 183 | 212 | 320 | 705 | - | - | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | 331 | - | - | - | 262 | 146 | |
II. | Other income | 35 | 28 | 17 | 47 | 36 | 19 | 1040 | 207 | |
a) | Commission, exchange and brokerage | 34 | 27 | 7 | 12 | 9 | 16 | 21 | 28 | |
b) | Other miscellaneous income | 1 | 2 | 10 | 34 | 27 | 3 | 1019 | 180 | |
Total(I+II) | 1352 | 1733 | 911 | 1272 | 984 | 1205 | 2088 | 1554 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 857 | 1032 | 856 | 795 | 647 | 1108 | 776 | 855 | |
a) | Interest on deposits | 779 | 924 | 465 | 717 | 586 | 590 | 711 | 794 | |
b) | Interest on RBI/inter-bank borrowings | 4 | 5 | 59 | 78 | 61 | 70 | 64 | 61 | |
c) | Others | 74 | 103 | 331 | - | - | 448 | 1 | - | |
IV. | Operating expenses | 482 | 541 | 356 | 257 | 213 | 382 | 513 | 598 | |
a) | Payments to and provisions for employees | 433 | 486 | 300 | 234 | 191 | 337 | 453 | 534 | |
b) | Rent, taxes and lighting | 12 | 13 | 6 | 5 | 4 | 8 | 14 | 15 | |
c) | Printing and stationery | 5 | 5 | 3 | 2 | 4 | 4 | 8 | 7 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 3 | 4 | 2 | 5 | 3 | 5 | 3 | 3 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 2 | 1 | - | - | 1 | 1 | 1 | |
h) | Law charges | - | - | - | - | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 2 | 3 | 1 | 3 | 2 | 1 | 2 | 3 | |
j) | Repairs and maintenance | 3 | 1 | - | - | - | - | 1 | 2 | |
k) | Insurance | 6 | 7 | 9 | 4 | 3 | 12 | 1 | 1 | |
l) | Other expenditure | 17 | 20 | 34 | 3 | 4 | 14 | 31 | 32 | |
V. | Provisions and contingencies | - | 136 | - | - | - | 44 | 1 | 1 | |
Total expenses* | 1338 | 1573 | 1212 | 1053 | 860 | 1490 | 1289 | 1453 | ||
VI. | Profit | 14 | 24 | - 301 | 219 | 124 | - 325 | 797 | 101 | |
Total (III+IV+V+VI) | 1352 | 1733 | 911 | 1272 | 984 | 1205 | 2088 | 1554 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Langpi | Madhubani | Mahakaushal | ||||||||
Dehangi | Kshetriya | Magadh | Kshetriya | |||||||
Items | Rural Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (201) | (202) | (203) | (204) | (205) | (206) | (207) | (208) |
Income | ||||||||||
I. | Interest Earned | 234 | 324 | 367 | 611 | 2883 | 3753 | 367 | 484 | |
a) | Interest/discount on advances/bills | 47 | 56 | 123 | 240 | 403 | 464 | 32 | 47 | |
b) | Income on Investments | 143 | 72 | 245 | - | 1708 | - | 105 | 3 | |
c) | Interest on balances with | 44 | - | - | - | 770 | 3280 | 230 | 140 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | 196 | - | 371 | 2 | 9 | - | 294 | |
II. | Other income | 22 | 28 | 7 | 10 | 155 | 46 | 11 | 20 | |
a) | Commission, exchange and brokerage | 14 | 17 | 6 | 5 | 5 | 6 | 5 | 7 | |
b) | Other miscellaneous income | 8 | 11 | 1 | 5 | 150 | 40 | 6 | 13 | |
Total(I+II) | 256 | 352 | 375 | 621 | 3038 | 3799 | 379 | 505 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 217 | 258 | 525 | 667 | 1993 | 2227 | 415 | 517 | |
a) | Interest on deposits | 195 | 239 | 518 | 640 | 1946 | 2160 | 182 | 219 | |
b) | Interest on RBI/inter-bank borrowings | 2 | 19 | 7 | 26 | 3 | 3 | 3 | 4 | |
c) | Others | 20 | - | - | - | 44 | 65 | 230 | 294 | |
IV. | Operating expenses | 212 | 233 | 428 | 474 | 922 | 1107 | 200 | 247 | |
a) | Payments to and provisions for employees | 184 | 203 | 386 | 453 | 808 | 1023 | 183 | 230 | |
b) | Rent, taxes and lighting | 3 | 4 | 5 | 6 | 10 | 12 | 6 | 7 | |
c) | Printing and stationery | 3 | 4 | 3 | 3 | 8 | 8 | 2 | 2 | |
d) | Advertisement and publicity | - | - | - | 1 | - | - | - | - | |
e) | Depreciation on Bank's property | 1 | 1 | 1 | - | 4 | 4 | 1 | 1 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 1 | 2 | 2 | - | - | |
h) | Law charges | - | - | - | - | 1 | 1 | - | - | |
i) | Postage, telegrams, telephones, etc. | - | - | 1 | 1 | 4 | 4 | 1 | 1 | |
j) | Repairs and maintenance | 1 | 1 | 1 | 2 | 1 | 1 | - | - | |
k) | Insurance | 2 | 4 | 23 | 5 | 69 | 15 | 2 | 2 | |
l) | Other expenditure | 17 | 17 | 7 | 3 | 15 | 37 | 4 | 4 | |
V. | Provisions and contingencies | 25 | -8 | 48 | 21 | - | - | - | - | |
Total expenses* | 430 | 491 | 953 | 1141 | 2915 | 3334 | 615 | 764 | ||
VI. | Profit | -199 | -131 | - 627 | - 541 | 122 | 465 | - 237 | - 259 | |
Total (III+IV+V+VI) | 256 | 352 | 375 | 621 | 3038 | 3799 | 379 | 505 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Mandla | ||||||||||
Balaghat | ||||||||||
Malaprabha | Mallabhum | Malwa | Kshetriya | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (209) | (210) | (211) | (212) | (213) | (214) | (215) | (216) |
Income | ||||||||||
I. | Interest Earned | 5878 | 6520 | 3196 | 4224 | 955 | 1114 | 335 | 451 | |
a) | Interest/discount on advances/bills | 3852 | 4165 | 860 | 1001 | 397 | 471 | 75 | 86 | |
b) | Income on Investments | 1026 | 1120 | 1233 | 1614 | 186 | 246 | - | 7 | |
c) | Interest on balances with | 1000 | 1235 | 1103 | 1608 | 372 | 397 | 260 | 358 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 250 | 318 | 305 | 418 | 67 | 38 | 8 | 11 | |
a) | Commission, exchange and brokerage | 49 | 64 | 246 | 227 | 40 | 18 | 7 | 9 | |
b) | Other miscellaneous income | 201 | 254 | 59 | 191 | 27 | 20 | 1 | 2 | |
Total(I+II) | 6128 | 6837 | 3501 | 4642 | 1023 | 1152 | 343 | 462 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 3046 | 3544 | 3036 | 3450 | 540 | 598 | 297 | 383 | |
a) | Interest on deposits | 1976 | 2555 | 2896 | 3325 | 418 | 467 | 290 | 371 | |
b) | Interest on RBI/inter-bank borrowings | 1070 | 989 | 140 | 125 | 122 | 131 | 7 | 11 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 1852 | 2038 | 1257 | 1482 | 158 | 198 | 220 | 259 | |
a) | Payments to and provisions for employees | 1610 | 1756 | 1151 | 1359 | 134 | 169 | 194 | 225 | |
b) | Rent, taxes and lighting | 38 | 43 | 25 | 27 | 5 | 6 | 4 | 5 | |
c) | Printing and stationery | 22 | 23 | 14 | 14 | 2 | 2 | 2 | 3 | |
d) | Advertisement and publicity | - | 1 | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 14 | 19 | 4 | 4 | 3 | 3 | 1 | 1 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 3 | 3 | 2 | 2 | 1 | 1 | - | - | |
h) | Law charges | 1 | 1 | 1 | 1 | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 21 | 26 | 1 | 1 | 1 | 1 | 1 | 1 | |
j) | Repairs and maintenance | 3 | 4 | 1 | 2 | - | - | - | - | |
k) | Insurance | 13 | 16 | 18 | 24 | 3 | 3 | 6 | 8 | |
l) | Other expenditure | 126 | 144 | 38 | 47 | 10 | 12 | 11 | 56 | |
V. | Provisions and contingencies | 308 | 122 | 16 | - | 41 | 45 | 23 | 42 | |
Total expenses* | 4898 | 5582 | 4292 | 4932 | 699 | 795 | 517 | 641 | ||
VI. | Profit | 922 | 1135 | - 808 | - 290 | 283 | 312 | -197 | - 221 | |
Total (III+IV+V+VI) | 6128 | 6837 | 3501 | 4642 | 1023 | 1152 | 343 | 462 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Marudhar | ||||||||||
Manipur | Manjira | Marathwada | Kshetriya | |||||||
Items | Rural Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (217) | (218) | (219) | (220) | (221) | (222) | (223) | (224) |
Income | ||||||||||
I. | Interest Earned | 161 | 182 | 1748 | 2210 | 3032 | 3989 | 339 | 496 | |
a) | Interest/discount on advances/bills | 40 | 51 | 1051 | 1216 | 1327 | 1836 | 176 | 243 | |
b) | Income on Investments | 11 | 11 | 301 | 477 | 1700 | 2066 | 7 | 12 | |
c) | Interest on balances with | 110 | 120 | 396 | 517 | 5 | 8 | - | - | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | 80 | 156 | 241 | |
II. | Other income | 6 | 7 | 69 | 76 | 119 | 157 | 66 | 81 | |
a) | Commission, exchange and brokerage | 2 | 3 | 26 | 44 | 97 | 107 | 2 | 3 | |
b) | Other miscellaneous income | 4 | 4 | 43 | 32 | 22 | 50 | 63 | 78 | |
Total(I+II) | 167 | 189 | 1817 | 2285 | 3151 | 4146 | 405 | 576 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 116 | 114 | 1082 | 1359 | 1954 | 2289 | 482 | 589 | |
a) | Interest on deposits | 80 | 71 | 820 | 1057 | 1542 | 1864 | 449 | 533 | |
b) | Interest on RBI/inter-bank borrowings | 36 | 43 | 262 | 302 | 412 | 55 | - | - | |
c) | Others | - | - | - | - | - | 370 | 33 | 55 | |
IV. | Operating expenses | 116 | 129 | 457 | 551 | 1350 | 1534 | 304 | 353 | |
a) | Payments to and provisions for employees | 106 | 118 | 350 | 386 | 1183 | 1370 | 268 | 309 | |
b) | Rent, taxes and lighting | 4 | 4 | 10 | 12 | 31 | 34 | 5 | 5 | |
c) | Printing and stationery | 2 | 3 | 7 | 10 | 12 | 13 | 4 | 4 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 1 | 1 | 7 | 7 | 7 | 8 | 2 | 3 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 1 | 3 | 3 | - | 1 | |
h) | Law charges | - | - | - | - | - | - | 1 | - | |
i) | Postage, telegrams, telephones, etc. | - | - | 6 | 7 | 11 | 13 | 1 | 2 | |
j) | Repairs and maintenance | - | - | 1 | 1 | - | - | - | - | |
k) | Insurance | 1 | 1 | 6 | 7 | 11 | 14 | 3 | 4 | |
l) | Other expenditure | 1 | 2 | 70 | 119 | 91 | 79 | 18 | 26 | |
V. | Provisions and contingencies | - | - | 55 | - | - | 287 | 13 | 21 | |
Total expenses* | 231 | 243 | 1539 | 1910 | 3305 | 3823 | 786 | 942 | ||
VI. | Profit | - 64 | - 53 | 223 | 375 | -153 | 36 | - 394 | - 385 | |
Total (III+IV+V+VI) | 167 | 189 | 1817 | 2285 | 3151 | 4146 | 405 | 576 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Mewar | Mithila | |||||||||
Marwar | Mayurakshi | Anchalik | Kshetriya | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (225) | (226) | (227) | (228) | (229) | (230) | (231) | (232) |
Income | ||||||||||
I. | Interest Earned | 3171 | 4114 | 1329 | 1639 | 1057 | 1337 | 549 | 846 | |
a) | Interest/discount on advances/bills | 1075 | 1293 | 427 | 508 | 277 | 322 | 122 | 136 | |
b) | Income on Investments | 1180 | 1734 | - | 526 | 184 | 238 | 16 | 32 | |
c) | Interest on balances with | 916 | 1026 | 595 | 605 | 5 | 28 | 411 | 678 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | 61 | 307 | - | 592 | 749 | - | - | |
II. | Other income | 112 | 57 | 372 | 92 | 36 | 69 | 32 | 46 | |
a) | Commission, exchange and brokerage | 112 | 57 | 70 | 87 | 8 | 9 | 8 | 4 | |
b) | Other miscellaneous income | - | - | 302 | 6 | 29 | 60 | 24 | 42 | |
Total(I+II) | 3283 | 4170 | 1701 | 1731 | 1094 | 1406 | 581 | 892 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 2387 | 3077 | 1429 | 1328 | 901 | 1126 | 638 | 789 | |
a) | Interest on deposits | 2248 | 2866 | 1358 | 1256 | 847 | 1070 | 612 | 767 | |
b) | Interest on RBI/inter-bank borrowings | 138 | 211 | 71 | 72 | 54 | 56 | 26 | 22 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 757 | 875 | 584 | 691 | 299 | 351 | 393 | 455 | |
a) | Payments to and provisions for employees | 683 | 789 | 543 | 636 | 247 | 300 | 365 | 419 | |
b) | Rent, taxes and lighting | 13 | 15 | 10 | 11 | 11 | 11 | 5 | 5 | |
c) | Printing and stationery | 9 | 9 | 7 | 6 | 3 | 5 | 3 | 3 | |
d) | Advertisement and publicity | - | 5 | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 3 | - | 1 | 2 | 5 | 5 | 2 | 2 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 2 | 2 | 1 | 1 | - | 1 | 1 | 1 | |
h) | Law charges | 1 | - | - | 1 | - | 1 | - | - | |
i) | Postage, telegrams, telephones, etc. | 8 | 1 | 1 | 1 | 4 | 6 | 1 | 1 | |
j) | Repairs and maintenance | 1 | 9 | 1 | - | 1 | 1 | 1 | 2 | |
k) | Insurance | 2 | 1 | 8 | 10 | - | 5 | 1 | 1 | |
l) | Other expenditure | 36 | 45 | 11 | 23 | 28 | 17 | 15 | 22 | |
V. | Provisions and contingencies | - | 80 | - | 63 | - | 29 | - | - | |
Total expenses* | 3144 | 3952 | 2013 | 2019 | 1199 | 1477 | 1031 | 1244 | ||
VI. | Profit | 139 | 138 | - 312 | - 351 | -106 | -100 | - 450 | - 351 | |
Total (III+IV+V+VI) | 3283 | 4170 | 1701 | 1731 | 1094 | 1406 | 581 | 892 |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Monghyr | ||||||||||
Mizoram | Kshetriya | Murshidabad | Muzaffarnagar | |||||||
Items | Rural Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (233) | (234) | (235) | (236) | (237) | (238) | (239) | (240) |
Income | ||||||||||
I. | Interest Earned | 485 | 575 | 1413 | 1728 | 630 | 784 | 463 | 612 | |
a) | Interest/discount on advances/bills | 107 | 108 | 168 | 175 | 176 | 221 | 124 | 155 | |
b) | Income on Investments | 247 | 189 | 410 | 601 | 344 | 416 | 205 | 322 | |
c) | Interest on balances with | 129 | 278 | 835 | 952 | 110 | 147 | 135 | 135 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | 2 | - | - | - | - | - | - | - | |
II. | Other income | 26 | 7 | 329 | 50 | 27 | 54 | 5 | 19 | |
a) | Commission, exchange and brokerage | 5 | 6 | 9 | 7 | 10 | 6 | 2 | 4 | |
b) | Other miscellaneous income | 21 | 1 | 320 | 44 | 18 | 48 | 3 | 15 | |
Total(I+II) | 512 | 582 | 1742 | 1779 | 657 | 838 | 468 | 632 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 238 | 245 | 1113 | 1442 | 429 | 598 | 284 | 333 | |
a) | Interest on deposits | 203 | 208 | 1087 | 1411 | 391 | 559 | 243 | 291 | |
b) | Interest on RBI/inter-bank borrowings | 31 | 37 | 26 | 31 | 38 | 39 | 9 | 13 | |
c) | Others | 4 | - | - | - | - | - | 31 | 30 | |
IV. | Operating expenses | 187 | 207 | 617 | 702 | 182 | 228 | 138 | 161 | |
a) | Payments to and provisions for employees | 152 | 175 | 572 | 656 | 144 | 189 | 113 | 133 | |
b) | Rent, taxes and lighting | 9 | 10 | 10 | 13 | 4 | 5 | 4 | 5 | |
c) | Printing and stationery | 4 | 3 | 4 | 4 | 4 | 3 | 3 | 3 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 3 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 1 | - | 1 | - | 1 | |
h) | Law charges | - | - | - | 1 | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 1 | 2 | 1 | 1 | 2 | 2 | |
j) | Repairs and maintenance | 2 | 1 | 2 | 2 | - | - | - | 1 | |
k) | Insurance | 3 | 2 | 14 | 11 | 3 | 3 | 4 | 5 | |
l) | Other expenditure | 13 | 13 | 11 | 11 | 25 | 25 | 9 | 40 | |
V. | Provisions and contingencies | 22 | 69 | - | 946 | 34 | 148 | - | 31 | |
Total expenses* | 425 | 452 | 1730 | 2144 | 612 | 826 | 422 | 495 | ||
VI. | Profit | 65 | 61 | 12 | -1311 | 11 | -136 | 46 | 107 | |
Total (III+IV+V+VI) | 512 | 582 | 1742 | 1779 | 657 | 838 | 468 | 632 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |