Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 7 of 8) - আৰবিআই - Reserve Bank of India
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. |