Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 7 of 8)

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প্ৰকাশ কৰা তাৰিখ ডিচেম্বৰ 31, 2001

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Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 7 of 8)

(Amount in Rs. lakh)

		For the year ended March 31

Items		Rushikulya		Ratlam Mandsaur		Ratnagiri		Rayalaseema		Rewa Sidhi		Sabarkantha-
		Gramin Bank		Kshetriya		Sindhudurg		Gramin Bank		Gramin Bank		Gandhinagar
				Gramin Bank		Gramin Bank						Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(289)	(290)	(291)	(292)	(293)	(294)	(295)	(296)	(297)	(298)	(299)	(300)

Income
I.	Interest Earned	2300	2918	1127	1335	828	981	5936	6766	2714	3095	979	1146
	a) Interest/discount on advances/bills	817	947	307	341	350	443	3637	4131	492	644	292	302
	b) Income on Investments	1483	1971	806	966	276	338	184	140	1006	1024	263	383
	c) Interest on balances with	0	0	13	27	200	199	2115	2495	1214	1425	425	461
	RBI and other inter-bank funds
	d) Others	0	0	0	0	2	2	0	0	2	2	0	0

II.	Other income	113	245	49	44	22	25	242	305	36	39	77	35
	a) Commission, exchange and brokerage	19	29	33	32	4	3	106	108	9	10	26	24
	b) Other miscellaneous income	94	216	16	12	18	22	136	196	27	29	51	11

	Total (I+II)	2413	3162	1176	1379	850	1006	6178	7071	2750	3134	1056	1182


Expenditure & Provisions
III.	Interest expended	1712	2105	788	907	578	672	3471	4173	1753	1930	663	779
	a) Interest on deposits	1545	1927	711	829	537	624	2918	3553	1655	1850	571	686
	b) Interest on RBI/inter-bank borrowings	167	178	76	78	41	48	553	621	98	80	90	87
	c) Others	0	0	0	0	0	0	0	0	0	0	2	6

IV.	Operating expenses	478	549	244	275	230	272	1425	1676	631	641	152	166
	a) Payments to and provisions for employees	423	490	204	231	192	227	1231	1451	506	546	129	138
	b) Rent, taxes and lighting	14	16	10	13	9	12	36	39	15	17	7	7
	c) Printing and stationery	10	11	3	5	5	4	18	21	8	14	2	5
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	1	0	0
	e) Depreciation on Bank's property	8	6	8	8	6	9	16	21	5	6	6	5
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	2	2	1	1	2	2	4	4	1	2	1	1
	h) Law charges	0	1	0	0	0	0	1	1	0	1	0	0
	i) Postage, telegrams, telephones, etc.	3	5	1	1	2	2	21	22	5	5	1	2
	j) Repairs and maintenance	2	3	1	0	1	1	0	1	1	2	0	0
	k) Insurance	7	10	4	5	4	4	20	22	12	13	4	5
	l) Other expenditure	8	6	13	11	10	11	78	93	76	34	3	3

V.	Provisions and contingencies	90	202	44	79	31	5	286	119	149	-96	31	20

	Total expenses*	2190	2654	1032	1182	808	944	4896	5849	2384	2571	815	945

VI.	Profit /loss	133	306	100	118	11	57	996	1102	217	659	210	216

	Total (III+IV+V+VI)	2413	3162	1176	1379	850	1006	6178	7071	2750	3134	1056	1182

(Amount in Rs. lakh)

		For the year ended March 31

Items		Sagar		Sahyadri		Samastipur		Samyukt		Sangameshwar		Santhal Parganas
		Gramin Bank		Gramin Bank		Kshetriya		Kshetriya		Gramin Bank		Gramin Bank
						Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(301)	(302)	(303)	(304)	(305)	(306)	(307)	(308)	(309)	(310)	(311)	(312)

Income
I.	Interest Earned	3836	4752	882	1051	1710	1918	7237	8757	1937	2488	2258	2436
	a) Interest/discount on advances/bills	494	747	496	604	301	381	394	936	981	1448	282	309
	b) Income on Investments	2338	2290	116	201	420	367	4854	5893	0	513	725	475
	c) Interest on balances with	1004	1715	270	246	989	1171	1979	1918	0	528	1250	1652
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	10	10	957	0	0	0

II.	Other income	52	87	50	57	145	85	94	128	131	253	227	112
	a) Commission, exchange and brokerage	49	79	12	15	28	51	28	32	51	74	14	13
	b) Other miscellaneous income	3	8	38	42	117	34	66	97	80	179	213	99

	Total (I+II)	3889	4840	932	1108	1855	2004	7331	8885	2068	2741	2484	2548


Expenditure & Provisions
III.	Interest expended	2868	3457	487	625	1136	1325	4541	5082	1149	1417	1655	1684
	a) Interest on deposits	2805	3376	372	438	1031	1227	4440	4988	942	1150	1566	1610
	b) Interest on RBI/inter-bank borrowings	0	0	116	187	96	87	5	4	0	267	89	74
	c) Others	64	81	0	0	9	12	96	91	206	0	0	0

IV.	Operating expenses	956	1007	179	195	519	531	1646	1823	436	542	657	690
	a) Payments to and provisions for employees	847	883	148	160	439	451	1246	1527	371	465	605	625
	b) Rent, taxes and lighting	38	40	8	9	13	15	22	30	12	15	9	11
	c) Printing and stationery	15	11	3	4	6	8	11	12	7	8	4	7
	d) Advertisement and publicity	0	0	0	0	0	0	1	1	0	0	0	0
	e) Depreciation on Bank's property	7	6	3	4	4	4	6	7	5	8	2	2
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	2	3	1	1	1	1	3	3	2	2	2	2
	h) Law charges	1	1	0	0	1	1	1	3	0	1	0	1
	i) Postage, telegrams, telephones, etc.	3	3	3	3	1	2	7	8	6	6	2	2
	j) Repairs and maintenance	1	1	2	1	1	2	2	2	0	0	1	1
	k) Insurance	20	25	0	0	28	9	35	38	5	6	5	7
	l) Other expenditure	22	34	11	12	24	38	312	192	26	31	27	31

V.	Provisions and contingencies	-86	-127	30	37	0	17	0	0	0	57	0	0

	Total expenses*	3825	4463	667	819	1655	1856	6187	6905	1585	1959	2311	2373

VI.	Profit /loss	150	503	236	252	200	131	1144	1980	484	725	173	175

	Total (III+IV+V+VI)	3889	4840	932	1108	1855	2004	7331	8885	2068	2741	2484	2548

(Amount in Rs. lakh)

		For the year ended March 31

Items		Saran		Sarayu		Shahajahanpur		Shahdol		Sharda		Shekhawati
		Kshetriya		Gramin Bank		Kshetriya		Kshetriya		Gramin Bank		Gramin Bank
		Gramin Bank				Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(313)	(314)	(315)	(316)	(317)	(318)	(319)	(320)	(321)	(322)	(323)	(324)

Income
I.	Interest Earned	993	1203	1484	1726	1415	1726	652	810	1262	1506	2840	3349
	a) Interest/discount on advances/bills	192	228	450	545	497	616	123	162	212	278	933	1056
	b) Income on Investments	8	11	1026	1175	302	290	523	642	347	462	1884	2293
	c) Interest on balances with	794	965	7	6	590	789	6	6	703	765	23	1
	RBI and other inter-bank funds
	d) Others	0	0	0	0	25	30	0	0	0	0	0	0

II.	Other income	61	116	52	75	69	30	23	32	42	60	118	408
	a) Commission, exchange and brokerage	6	7	52	75	45	30	11	12	41	59	15	22
	b) Other miscellaneous income	56	109	0	0	24	0	12	20	1	1	103	386

	Total (I+II)	1055	1319	1536	1802	1484	1757	675	842	1304	1565	2958	3758


Expenditure & Provisions
III.	Interest expended	809	918	674	775	628	766	559	649	824	949	1978	2261
	a) Interest on deposits	784	899	586	669	472	602	536	617	793	912	1829	2121
	b) Interest on RBI/inter-bank borrowings	26	19	87	106	0	1	23	32	0	0	1	1
	c) Others	0	0	0	0	156	163	0	0	31	36	149	140

IV.	Operating expenses	350	369	240	257	287	262	272	269	359	386	676	772
	a) Payments to and provisions for employees	328	344	193	203	171	198	212	221	320	340	611	697
	b) Rent, taxes and lighting	4	4	9	11	6	7	6	7	7	9	6	8
	c) Printing and stationery	3	3	7	5	5	5	2	2	3	4	5	6
	d) Advertisement and publicity	0	0	0	1	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	1	1	8	9	4	5	1	2	2	3	4	5
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	1	1	1	1	2	1	1	1	1	3	3
	h) Law charges	0	0	0	1	0	0	0	0	0	0	3	2
	i) Postage, telegrams, telephones, etc.	0	1	4	4	2	2	1	1	3	3	9	10
	j) Repairs and maintenance	1	2	1	1	7	11	0	0	0	1	1	1
	k) Insurance	6	7	5	7	5	5	4	6	6	6	1	1
	l) Other expenditure	6	6	13	13	87	27	46	29	17	19	33	40

V.	Provisions and contingencies	59	68	28	15	52	0	0	0	5	0	47	82

	Total expenses*	1160	1286	914	1032	863	1028	831	918	1183	1335	2655	3033

VI.	Profit /loss	-164	-35	594	754	568	728	-156	-76	115	231	256	642

	Total (III+IV+V+VI)	1055	1319	1536	1802	1484	1757	675	842	1304	1565	2958	3758

(Amount in Rs. lakh)

		For the year ended March 31

Items		Shivalik		Shivpuri-Guna		Sri Sathavahana		Shri		Singhbhum		Siwan
		Kshetriya		Kshetriya		Gramin Bank		Venkateshwara		Kshetriya		Kshetriya
		Gramin Bank		Gramin Bank				Gramin Bank		Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(325)	(326)	(327)	(328)	(329)	(330)	(331)	(332)	(333)	(334)	(335)	(336)

Income
I.	Interest Earned	1670	1912	1421	1745	1774	2063	2533	3169	1877	2293	2490	3141
	a) Interest/discount on advances/bills	408	470	419	523	861	1038	1600	2053	384	510	237	322
	b) Income on Investments	865	1213	43	26	216	240	186	283	906	1179	347	410
	c) Interest on balances with	396	229	959	1197	697	786	746	833	586	604	1906	2409
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	0	0	0	0	0	0
II.	Other income	42	104	148	100	276	95	114	148	43	45	37	30
	a) Commission, exchange and brokerage	6	7	40	45	44	47	68	87	7	10	14	15
	b) Other miscellaneous income	36	97	108	55	232	48	46	61	36	36	23	15

	Total (I+II)	1712	2016	1570	1846	2050	2158	2647	3317	1919	2339	2527	3171


Expenditure & Provisions
III.	Interest expended	910	1090	1025	1166	1374	1634	1599	2025	1435	1660	1641	1937
	a) Interest on deposits	833	1000	976	1124	1254	1500	1410	1817	1339	1636	1613	1912
	b) Interest on RBI/inter-bank borrowings	76	88	49	41	120	134	189	208	93	22	28	25
	c) Others	1	2	0	0	0	0	0	0	2	2	0	0

IV.	Operating expenses	310	351	437	463	467	359	640	701	479	494	382	487
	a) Payments to and provisions for employees	241	261	392	414	242	255	545	587	421	437	345	442
	b) Rent, taxes and lighting	7	11	13	14	7	10	16	20	12	15	7	9
	c) Printing and stationery	3	3	5	6	6	6	9	13	5	5	3	4
	d) Advertisement and publicity	0	0	0	0	0	0	1	1	0	0	0	0
	e) Depreciation on Bank's property	13	15	2	3	3	4	6	10	2	3	4	5
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	2	1	1	1	1	2	2	1	2	1	1
	h) Law charges	3	1	0	0	0	0	0	0	0	0	0	0
	i) Postage, telegrams, telephones, etc.	3	4	4	3	2	3	14	14	2	3	1	1
	j) Repairs and maintenance	1	2	1	1	1	1	3	6	2	1	0	1
	k) Insurance	1	1	6	6	9	11	11	12	2	2	10	10
	l) Other expenditure	38	51	12	13	195	67	33	34	31	28	11	15

V.	Provisions and contingencies	-13	30	13	94	0	0	22	43	0	59	-103	325

	Total expenses*	1220	1441	1462	1628	1841	1993	2239	2726	1913	2154	2023	2424

VI.	Profit /loss	504	545	95	123	209	165	386	549	6	126	607	422

	Total (III+IV+V+VI)	1712	2016	1570	1846	2050	2158	2647	3317	1919	2339	2527	3171

*: Excluding `Provisions and Contingencies'
Source : Annual accounts of banks of respective years.