TABLE 55: Earnings And Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 1 of 8) - আৰবিআই - Reserve Bank of India
TABLE 55: Earnings And Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 1 of 8)
(Amount in Rs. lakh) |
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|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Adhiyaman |
Akola |
Alaknanda |
Aligarh |
|||||
Items |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||
|
||||||||
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
|
||||||||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
|
|
||||||||
Income |
||||||||
I. Interest Earned |
758 |
903 |
733 |
905 |
1031 |
1156 |
4920 |
5381 |
a) Interest/discount on advances/bills |
436 |
517 |
494 |
600 |
210 |
264 |
1780 |
1961 |
b) Income on Investments |
120 |
156 |
- |
- |
167 |
191 |
1284 |
1078 |
c) Interest on balances with |
202 |
231 |
238 |
305 |
654 |
700 |
1856 |
2343 |
RBI and other inter-bank funds |
||||||||
d) Others |
1 |
- |
- |
- |
- |
- |
- |
- |
II. Other income |
43 |
47 |
141 |
116 |
33 |
30 |
121 |
130 |
a) Commission, exchange and brokerage |
17 |
22 |
61 |
70 |
15 |
21 |
39 |
36 |
b) Other miscellaneous income |
27 |
25 |
80 |
46 |
18 |
10 |
83 |
94 |
|
||||||||
Total (I+II) |
801 |
950 |
873 |
1021 |
1063 |
1186 |
5042 |
5511 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
408 |
488 |
430 |
472 |
681 |
761 |
2958 |
3203 |
a) Interest on deposits |
312 |
393 |
324 |
362 |
643 |
717 |
2710 |
2969 |
b) Interest on RBI/inter-bank borrowings |
96 |
95 |
- |
- |
38 |
44 |
248 |
234 |
c) Others |
- |
- |
105 |
110 |
- |
- |
- |
- |
IV. Operating expenses |
175 |
191 |
267 |
344 |
243 |
331 |
746 |
999 |
a) Payments to and provisions for employees |
148 |
163 |
238 |
306 |
201 |
276 |
671 |
896 |
b) Rent, taxes and lighting |
6 |
7 |
8 |
9 |
6 |
8 |
21 |
22 |
c) Printing and stationery |
4 |
5 |
3 |
5 |
3 |
5 |
4 |
13 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
4 |
5 |
2 |
2 |
1 |
2 |
4 |
4 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
1 |
3 |
3 |
h) Law charges |
- |
- |
- |
- |
- |
- |
2 |
1 |
i) Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
2 |
2 |
3 |
8 |
10 |
j) Repairs and maintenance |
2 |
2 |
- |
- |
1 |
1 |
1 |
1 |
k) Insurance |
1 |
1 |
4 |
12 |
4 |
4 |
2 |
1 |
l) Other expenditure |
8 |
5 |
9 |
7 |
22 |
30 |
31 |
48 |
V. Provisions and contingencies |
32 |
17 |
44 |
46 |
- |
8 |
168 |
87 |
Total expenses* |
583 |
679 |
697 |
816 |
924 |
1091 |
3705 |
4202 |
VI. Profit /loss |
187 |
254 |
133 |
160 |
139 |
87 |
1169 |
1221 |
|
||||||||
Total (III+IV+V+VI) |
801 |
950 |
873 |
1021 |
1063 |
1186 |
5042 |
5511 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Allahabad Kshetriya |
Alwar Bharatpur |
Ambala Kurukshetra |
Aravali Kshetriya |
|||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||
|
||||||||
Items |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
||||||||
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
|
|
||||||||
Income |
||||||||
I. Interest Earned |
3057 |
3525 |
2096 |
2661 |
1372 |
1439 |
1067 |
1245 |
a) Interest/discount on advances/bills |
659 |
781 |
1103 |
1447 |
729 |
829 |
526 |
582 |
b) Income on Investments |
527 |
422 |
678 |
859 |
259 |
197 |
94 |
90 |
c) Interest on balances with |
1863 |
2315 |
315 |
355 |
385 |
414 |
362 |
573 |
RBI and other inter-bank funds |
||||||||
d) Others |
9 |
6 |
- |
- |
- |
- |
85 |
- |
II. Other income |
144 |
142 |
193 |
632 |
50 |
43 |
60 |
118 |
a) Commission, exchange and brokerage |
28 |
27 |
44 |
49 |
6 |
8 |
21 |
36 |
b) Other miscellaneous income |
117 |
115 |
149 |
583 |
44 |
34 |
39 |
82 |
|
||||||||
Total (I+II) |
3201 |
3668 |
2289 |
3293 |
1422 |
1482 |
1127 |
1362 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
1993 |
2248 |
1297 |
1653 |
867 |
899 |
966 |
1060 |
a) Interest on deposits |
1929 |
2131 |
1082 |
1343 |
715 |
772 |
849 |
947 |
b) Interest on RBI/inter-bank borrowings |
64 |
117 |
215 |
306 |
151 |
127 |
117 |
113 |
c) Others |
- |
- |
- |
4 |
- |
- |
- |
- |
IV. Operating expenses |
729 |
831 |
580 |
842 |
336 |
340 |
527 |
341 |
a) Payments to and provisions for employees |
640 |
731 |
500 |
732 |
274 |
271 |
474 |
280 |
b) Rent, taxes and lighting |
16 |
20 |
15 |
18 |
8 |
9 |
11 |
12 |
c) Printing and stationery |
8 |
8 |
6 |
10 |
3 |
4 |
5 |
7 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
5 |
6 |
9 |
15 |
5 |
5 |
3 |
3 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
2 |
2 |
3 |
3 |
1 |
1 |
1 |
2 |
h) Law charges |
1 |
- |
- |
- |
2 |
2 |
1 |
- |
i) Postage, telegrams, telephones, etc. |
2 |
3 |
6 |
8 |
3 |
4 |
4 |
5 |
j) Repairs and maintenance |
- |
- |
4 |
3 |
1 |
1 |
1 |
2 |
k) Insurance |
16 |
20 |
9 |
13 |
11 |
11 |
6 |
8 |
l) Other expenditure |
39 |
40 |
26 |
40 |
28 |
33 |
19 |
22 |
V. Provisions and contingencies |
74 |
97 |
- |
96 |
40 |
62 |
107 |
28 |
Total expenses* |
2722 |
3079 |
1876 |
2494 |
1202 |
1239 |
1493 |
1400 |
VI. Profit /loss |
405 |
492 |
413 |
703 |
180 |
181 |
-473 |
-65 |
|
||||||||
Total (III+IV+V+VI) |
3201 |
3668 |
2289 |
3293 |
1422 |
1482 |
1127 |
1362 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Arunachal Pradesh |
Aurangabad Jalana |
Avadh |
Baitarani |
|||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||
|
||||||||
Items |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
||||||||
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
|
|
||||||||
Income |
||||||||
I. Interest Earned |
444 |
265 |
2074 |
2550 |
5164 |
5343 |
2266 |
3851 |
a) Interest/discount on advances/bills |
403 |
184 |
1136 |
1542 |
987 |
1075 |
946 |
1269 |
b) Income on Investments |
35 |
72 |
836 |
988 |
4122 |
4224 |
520 |
371 |
c) Interest on balances with |
6 |
10 |
102 |
20 |
55 |
44 |
800 |
1071 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
- |
- |
- |
- |
- |
1140 |
II. Other income |
22 |
18 |
74 |
208 |
82 |
87 |
52 |
84 |
a) Commission, exchange and brokerage |
10 |
10 |
57 |
187 |
21 |
28 |
10 |
36 |
b) Other miscellaneous income |
12 |
9 |
16 |
22 |
61 |
59 |
42 |
48 |
|
||||||||
Total (I+II) |
467 |
284 |
2148 |
2758 |
5246 |
5430 |
2318 |
3935 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
266 |
338 |
1112 |
1422 |
3022 |
3266 |
1565 |
3079 |
a) Interest on deposits |
211 |
257 |
785 |
1054 |
2895 |
3127 |
1368 |
1653 |
b) Interest on RBI/inter-bank borrowings |
56 |
80 |
327 |
368 |
127 |
140 |
197 |
288 |
c) Others |
- |
- |
- |
- |
- |
- |
- |
1138 |
IV. Operating expenses |
125 |
125 |
496 |
661 |
1093 |
1250 |
649 |
725 |
a) Payments to and provisions for employees |
92 |
91 |
367 |
482 |
945 |
1099 |
597 |
665 |
b) Rent, taxes and lighting |
8 |
8 |
18 |
23 |
27 |
31 |
12 |
13 |
c) Printing and stationery |
4 |
4 |
18 |
11 |
24 |
20 |
2 |
9 |
d) Advertisement and publicity |
- |
- |
7 |
6 |
- |
- |
- |
- |
e) Depreciation on Bank's property |
2 |
2 |
30 |
47 |
45 |
30 |
- |
3 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
1 |
1 |
2 |
2 |
3 |
3 |
3 |
3 |
h) Law charges |
- |
- |
- |
- |
1 |
1 |
- |
2 |
i) Postage, telegrams, telephones, etc. |
1 |
- |
6 |
8 |
3 |
6 |
3 |
1 |
j) Repairs and maintenance |
- |
1 |
2 |
7 |
5 |
7 |
1 |
1 |
k) Insurance |
5 |
6 |
5 |
7 |
22 |
28 |
11 |
13 |
l) Other expenditure |
12 |
12 |
40 |
68 |
17 |
25 |
19 |
16 |
V. Provisions and contingencies |
255 |
657 |
64 |
173 |
99 |
154 |
1 |
117 |
Total expenses* |
391 |
462 |
1608 |
2083 |
4114 |
4516 |
2214 |
3804 |
VI. Profit /loss |
-179 |
-836 |
476 |
502 |
1033 |
761 |
103 |
14 |
|
||||||||
Total (III+IV+V+VI) |
467 |
284 |
2148 |
2758 |
5246 |
5430 |
2318 |
3935 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Balasore |
Ballia shetriya |
Banaskantha Mehsana |
Bara Banki |
|||||
Gramya Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||
|
||||||||
Items |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
||||||||
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
|
|
||||||||
Income |
||||||||
I. Interest Earned |
476 |
531 |
3136 |
3626 |
2125 |
2492 |
2951 |
3229 |
a) Interest/discount on advances/bills |
220 |
256 |
494 |
491 |
943 |
1104 |
588 |
783 |
b) Income on Investments |
3 |
11 |
2625 |
3102 |
872 |
945 |
1591 |
1716 |
c) Interest on balances with |
253 |
264 |
- |
12 |
308 |
442 |
734 |
697 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
17 |
22 |
2 |
1 |
38 |
34 |
II. Other income |
23 |
49 |
125 |
146 |
98 |
91 |
79 |
95 |
a) Commission, exchange and brokerage |
6 |
6 |
37 |
32 |
16 |
22 |
27 |
34 |
b) Other miscellaneous income |
16 |
43 |
89 |
114 |
82 |
69 |
52 |
60 |
|
||||||||
Total (I+II) |
499 |
580 |
3261 |
3772 |
2223 |
2582 |
3031 |
3324 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
882 |
1050 |
2033 |
2254 |
1527 |
1768 |
1771 |
1944 |
a) Interest on deposits |
865 |
1011 |
1894 |
2147 |
1296 |
1495 |
1666 |
1830 |
b) Interest on RBI/inter-bank borrowings |
1 |
7 |
2 |
2 |
231 |
273 |
105 |
113 |
c) Others |
16 |
32 |
137 |
106 |
- |
- |
- |
- |
IV. Operating expenses |
464 |
472 |
617 |
790 |
515 |
699 |
763 |
855 |
a) Payments to and provisions for employees |
418 |
416 |
567 |
732 |
446 |
619 |
705 |
792 |
b) Rent, taxes and lighting |
11 |
12 |
9 |
11 |
10 |
13 |
11 |
12 |
c) Printing and stationery |
4 |
3 |
4 |
4 |
6 |
7 |
6 |
8 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
1 |
e) Depreciation on Bank's property |
2 |
2 |
2 |
3 |
4 |
11 |
3 |
3 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
1 |
1 |
2 |
2 |
2 |
2 |
2 |
2 |
h) Law charges |
- |
- |
- |
- |
1 |
- |
- |
1 |
i) Postage, telegrams, telephones, etc. |
2 |
3 |
3 |
3 |
4 |
5 |
2 |
3 |
j) Repairs and maintenance |
- |
- |
- |
- |
3 |
3 |
1 |
1 |
k) Insurance |
7 |
12 |
12 |
0 |
1 |
1 |
2 |
1 |
l) Other expenditure |
20 |
22 |
18 |
35 |
39 |
38 |
31 |
32 |
V. Provisions and contingencies |
79 |
114 |
- |
44 |
- |
50 |
-10 |
6 |
Total expenses* |
1346 |
1523 |
2650 |
3045 |
2042 |
2467 |
2535 |
2799 |
VI. Profit /loss |
-926 |
-1057 |
611 |
683 |
182 |
65 |
506 |
519 |
|
||||||||
Total (III+IV+V+VI) |
499 |
580 |
3261 |
3772 |
2223 |
2582 |
3031 |
3324 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Bardhaman |
Bareilly Kshetriya |
Bastar Kshetriya |
Basti |
|||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||
|
||||||||
Items |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
||||||||
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
|
|
||||||||
Income |
||||||||
I. Interest Earned |
3799 |
4531 |
2278 |
2370 |
596 |
737 |
3679 |
3980 |
a) Interest/discount on advances/bills |
802 |
1069 |
830 |
973 |
205 |
365 |
600 |
691 |
b) Income on Investments |
769 |
2617 |
1425 |
318 |
10 |
1 |
3021 |
3220 |
c) Interest on balances with |
2228 |
845 |
22 |
1079 |
381 |
371 |
58 |
69 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
- |
- |
- |
- |
- |
- |
II. Other income |
221 |
251 |
87 |
135 |
36 |
42 |
56 |
390 |
a) Commission, exchange and brokerage |
26 |
30 |
24 |
34 |
14 |
42 |
52 |
118 |
b) Other miscellaneous income |
195 |
221 |
64 |
101 |
22 |
- |
5 |
273 |
|
||||||||
Total (I+II) |
4020 |
4782 |
2365 |
2505 |
632 |
779 |
3736 |
4370 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
3040 |
3210 |
1148 |
1219 |
644 |
708 |
1986 |
2236 |
a) Interest on deposits |
2953 |
3123 |
988 |
1053 |
624 |
675 |
1855 |
2046 |
b) Interest on RBI/inter-bank borrowings |
86 |
86 |
8 |
16 |
21 |
34 |
131 |
191 |
c) Others |
- |
1 |
151 |
150 |
- |
- |
- |
- |
IV. Operating expenses |
721 |
1126 |
646 |
743 |
424 |
478 |
663 |
924 |
a) Payments to and provisions for employees |
648 |
1016 |
576 |
656 |
393 |
438 |
581 |
812 |
b) Rent, taxes and lighting |
19 |
20 |
16 |
18 |
6 |
7 |
14 |
20 |
c) Printing and stationery |
8 |
11 |
7 |
8 |
4 |
6 |
8 |
10 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
3 |
4 |
4 |
6 |
1 |
1 |
5 |
6 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
2 |
2 |
2 |
2 |
1 |
1 |
2 |
3 |
h) Law charges |
- |
- |
1 |
1 |
- |
- |
2 |
1 |
i) Postage, telegrams, telephones, etc. |
3 |
3 |
3 |
5 |
2 |
2 |
3 |
2 |
j) Repairs and maintenance |
1 |
2 |
8 |
11 |
1 |
1 |
2 |
4 |
k) Insurance |
15 |
24 |
11 |
12 |
14 |
15 |
11 |
15 |
l) Other expenditure |
23 |
42 |
21 |
23 |
2 |
5 |
34 |
51 |
V. Provisions and contingencies |
191 |
123 |
60 |
4 |
- |
6 |
46 |
- |
Total expenses* |
3761 |
4335 |
1794 |
1962 |
1069 |
1187 |
2649 |
3160 |
VI. Profit /loss |
68 |
323 |
511 |
539 |
-437 |
-414 |
1041 |
1210 |
|
||||||||
Total (III+IV+V+VI) |
4020 |
4782 |
2365 |
2505 |
632 |
779 |
3736 |
4370 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Begusarai Kshetriya |
Bhagalpur Banka |
Bhagirath |
Bhandara |
|||||
Gramin Bank |
Kshetriya Gramin |
Gramin Bank |
Gramin Bank |
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Bank |
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|
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Items |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
||||||||
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
|
|
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Income |
||||||||
I. Interest Earned |
608 |
681 |
1327 |
835 |
4552 |
4781 |
924 |
1089 |
a) Interest/discount on advances/bills |
80 |
114 |
168 |
184 |
761 |
883 |
468 |
597 |
b) Income on Investments |
526 |
567 |
1154 |
650 |
3787 |
3882 |
134 |
138 |
c) Interest on balances with |
2 |
1 |
5 |
1 |
4 |
16 |
322 |
354 |
RBI and other inter-bank funds |
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d) Others |
- |
- |
- |
- |
- |
- |
- |
- |
II. Other income |
70 |
32 |
61 |
25 |
247 |
390 |
36 |
37 |
a) Commission, exchange and brokerage |
13 |
10 |
6 |
10 |
246 |
389 |
5 |
4 |
b) Other miscellaneous income |
57 |
22 |
55 |
15 |
- |
1 |
32 |
34 |
|
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Total (I+II) |
678 |
714 |
1388 |
860 |
4799 |
5171 |
960 |
1126 |
|
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Expenditure & Provisions |
||||||||
III. Interest expended |
332 |
398 |
1152 |
658 |
1969 |
2087 |
685 |
735 |
a) Interest on deposits |
323 |
386 |
544 |
641 |
1804 |
1913 |
615 |
650 |
b) Interest on RBI/inter-bank borrowings |
9 |
12 |
603 |
17 |
165 |
174 |
71 |
86 |
c) Others |
- |
- |
4 |
- |
- |
- |
- |
- |
IV. Operating expenses |
131 |
158 |
145 |
189 |
866 |
1265 |
283 |
484 |
a) Payments to and provisions for employees |
116 |
138 |
114 |
152 |
764 |
1136 |
242 |
442 |
b) Rent, taxes and lighting |
4 |
4 |
7 |
9 |
26 |
28 |
9 |
9 |
c) Printing and stationery |
1 |
1 |
2 |
4 |
11 |
12 |
6 |
5 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
2 |
2 |
2 |
3 |
7 |
10 |
4 |
5 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
- |
1 |
1 |
1 |
2 |
2 |
1 |
1 |
h) Law charges |
- |
- |
- |
- |
2 |
2 |
- |
2 |
i) Postage, telegrams, telephones, etc. |
1 |
1 |
1 |
2 |
4 |
4 |
1 |
1 |
j) Repairs and maintenance |
- |
- |
- |
- |
4 |
3 |
- |
- |
k) Insurance |
3 |
3 |
5 |
4 |
18 |
24 |
5 |
3 |
l) Other expenditure |
2 |
7 |
13 |
13 |
28 |
43 |
15 |
16 |
V. Provisions and contingencies |
- |
34 |
8 |
10 |
33 |
53 |
16 |
122 |
Total expenses* |
463 |
556 |
1297 |
847 |
2836 |
3352 |
968 |
1220 |
VI. Profit /loss |
216 |
124 |
83 |
2 |
1930 |
1766 |
-24 |
-215 |
|
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Total (III+IV+V+VI) |
678 |
714 |
1388 |
860 |
4799 |
5171 |
960 |
1126 |
|
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* : Excluding ‘Provisions and Contingencies’. |
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Source : Annual accounts of banks of respective years. |