Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 1 of 8) - আরবিআই - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 1 of 8)
(Amount in Rs. lakh) |
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|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Adhiyaman |
Akola Gramin |
Alaknanda |
Aligarh Gramin |
Allahabad |
Alwar Bharatpur |
||||||||
Items |
Gramin Bank |
Bank |
Gramin Bank |
Bank |
Kshetriya |
Gramin Bank |
|||||||
Gramin Bank |
|||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
623 |
758 |
508 |
733 |
834 |
1031 |
4512 |
4920 |
2637 |
3057 |
1592 |
2096 |
a) Interest/discount on advances/bills |
362 |
436 |
330 |
494 |
149 |
210 |
1613 |
1780 |
584 |
659 |
747 |
1103 |
|
b) Income on Investments |
84 |
120 |
0 |
0 |
130 |
167 |
1508 |
1284 |
601 |
527 |
402 |
678 |
|
c) Interest on balances with |
177 |
202 |
178 |
238 |
555 |
654 |
1391 |
1856 |
1452 |
1863 |
443 |
315 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
9 |
0 |
0 |
|
II. |
Other income |
60 |
43 |
146 |
141 |
20 |
33 |
123 |
121 |
122 |
144 |
109 |
193 |
a) Commission, exchange and brokerage |
21 |
17 |
51 |
61 |
11 |
15 |
46 |
39 |
6 |
28 |
22 |
44 |
|
b) Other miscellaneous income |
40 |
27 |
95 |
80 |
9 |
18 |
77 |
83 |
116 |
117 |
87 |
149 |
|
|
|||||||||||||
Total (I+II) |
683 |
801 |
655 |
873 |
853 |
1063 |
4635 |
5042 |
2759 |
3201 |
1701 |
2289 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
329 |
408 |
348 |
430 |
513 |
681 |
2688 |
2958 |
1730 |
1993 |
1047 |
1297 |
a) Interest on deposits |
265 |
312 |
270 |
324 |
472 |
643 |
2374 |
2710 |
1672 |
1929 |
916 |
1082 |
|
b) Interest on RBI/inter-bank borrowings |
65 |
96 |
0 |
0 |
41 |
38 |
314 |
248 |
58 |
64 |
132 |
215 |
|
c) Others |
0 |
0 |
78 |
105 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
161 |
175 |
259 |
267 |
216 |
243 |
708 |
746 |
705 |
729 |
546 |
580 |
a) Payments to and provisions for employees |
128 |
148 |
233 |
238 |
181 |
201 |
629 |
671 |
531 |
640 |
492 |
500 |
|
b) Rent, taxes and lighting |
5 |
6 |
8 |
8 |
5 |
6 |
19 |
21 |
15 |
16 |
12 |
15 |
|
c) Printing and stationery |
3 |
4 |
3 |
3 |
3 |
3 |
7 |
4 |
7 |
8 |
5 |
6 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
3 |
4 |
2 |
2 |
2 |
1 |
5 |
4 |
4 |
5 |
5 |
9 |
|
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 |
1 |
2 |
3 |
2 |
2 |
1 |
3 |
|
h) Law charges |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
2 |
0 |
1 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
4 |
1 |
1 |
1 |
2 |
2 |
7 |
8 |
1 |
2 |
4 |
6 |
|
j) Repairs and maintenance |
2 |
2 |
0 |
0 |
1 |
1 |
0 |
1 |
0 |
0 |
2 |
4 |
|
k) Insurance |
1 |
1 |
3 |
4 |
2 |
4 |
1 |
2 |
14 |
16 |
7 |
9 |
|
l) Other expenditure |
14 |
8 |
9 |
9 |
19 |
22 |
37 |
31 |
130 |
39 |
16 |
28 |
|
V. |
Provisions and contingencies |
24 |
32 |
0 |
44 |
8 |
0 |
372 |
168 |
59 |
74 |
0 |
0 |
Total expenses* |
491 |
583 |
607 |
697 |
728 |
924 |
3396 |
3705 |
2435 |
2722 |
1593 |
1877 |
|
VI. |
Profit /loss |
169 |
187 |
47 |
133 |
117 |
139 |
866 |
1169 |
265 |
405 |
108 |
413 |
|
|||||||||||||
Total (III+IV+V+VI) |
683 |
801 |
655 |
873 |
853 |
1063 |
4635 |
5042 |
2759 |
3201 |
1701 |
2289 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Ambala |
Aravali |
Arunachal |
Aurangabad |
Avadh |
Baitarani |
|||||||
Kurukshetra |
Kshetriya |
Pradesh |
Jalana |
Gramin Bank |
Gramin Bank |
||||||||
Gramin Bank |
Gramin Bank |
Rural Bank |
Gramin Bank |
||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(13) |
(14) |
(15) |
(16) |
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
I. Interest Earned |
1278 |
1372 |
992 |
1067 |
439 |
444 |
1441 |
2074 |
4357 |
5164 |
1647 |
2266 |
a) Interest/discount on advances/bills |
674 |
729 |
480 |
526 |
381 |
403 |
808 |
1136 |
803 |
987 |
620 |
946 |
|
b) Income on Investments |
292 |
259 |
149 |
94 |
51 |
35 |
618 |
836 |
3523 |
4122 |
495 |
520 |
|
c) Interest on balances with |
313 |
385 |
286 |
362 |
6 |
6 |
14 |
102 |
31 |
55 |
532 |
800 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
78 |
85 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
34 |
50 |
48 |
60 |
22 |
22 |
274 |
74 |
58 |
82 |
19 |
52 |
a) Commission, exchange and brokerage |
6 |
6 |
16 |
21 |
9 |
10 |
106 |
57 |
16 |
21 |
7 |
10 |
|
b) Other miscellaneous income |
29 |
44 |
31 |
39 |
13 |
12 |
168 |
16 |
43 |
61 |
12 |
42 |
|
|
|||||||||||||
Total (I+II) |
1313 |
1422 |
1040 |
1127 |
461 |
467 |
1715 |
2148 |
4415 |
5246 |
1666 |
2318 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
820 |
867 |
905 |
966 |
218 |
266 |
767 |
1112 |
2663 |
3022 |
1293 |
1565 |
a) Interest on deposits |
670 |
715 |
776 |
849 |
169 |
211 |
540 |
785 |
2527 |
2895 |
1144 |
1368 |
|
b) Interest on RBI/inter-bank borrowings |
150 |
151 |
130 |
117 |
49 |
56 |
227 |
327 |
137 |
127 |
149 |
197 |
|
c) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
245 |
336 |
399 |
527 |
119 |
125 |
415 |
496 |
846 |
1093 |
616 |
649 |
a) Payments to and provisions for employees |
205 |
274 |
347 |
474 |
90 |
92 |
322 |
367 |
767 |
945 |
572 |
597 |
|
b) Rent, taxes and lighting |
8 |
8 |
10 |
11 |
6 |
8 |
14 |
18 |
23 |
27 |
12 |
12 |
|
c) Printing and stationery |
2 |
3 |
5 |
5 |
3 |
4 |
8 |
18 |
13 |
24 |
4 |
2 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
4 |
7 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
3 |
5 |
4 |
3 |
1 |
2 |
17 |
30 |
12 |
45 |
2 |
0 |
|
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 |
2 |
1 |
1 |
1 |
2 |
2 |
3 |
3 |
2 |
3 |
|
h) Law charges |
1 |
2 |
3 |
1 |
0 |
0 |
0 |
0 |
1 |
1 |
4 |
0 |
|
i) Postage, telegrams, telephones, etc. |
3 |
3 |
4 |
4 |
1 |
1 |
5 |
6 |
1 |
3 |
1 |
3 |
|
j) Repairs and maintenance |
0 |
1 |
2 |
1 |
1 |
0 |
2 |
2 |
4 |
5 |
1 |
1 |
|
k) Insurance |
1 |
11 |
6 |
6 |
3 |
5 |
4 |
5 |
11 |
22 |
9 |
11 |
|
l) Other expenditure |
21 |
28 |
16 |
19 |
12 |
12 |
37 |
40 |
13 |
17 |
9 |
19 |
|
V. |
Provisions and contingencies |
71 |
40 |
65 |
107 |
69 |
255 |
0 |
64 |
179 |
99 |
-78 |
1 |
Total expenses* |
1065 |
1202 |
1305 |
1493 |
337 |
391 |
1182 |
1608 |
3510 |
4114 |
1909 |
2214 |
|
VI. |
Profit /loss |
176 |
180 |
-330 |
-473 |
55 |
-179 |
533 |
476 |
726 |
1033 |
-165 |
103 |
|
|||||||||||||
Total (III+IV+V+VI) |
1313 |
1422 |
1040 |
1127 |
461 |
467 |
1715 |
2148 |
4415 |
5246 |
1666 |
2318 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Balasore |
Ballia Kshetriya |
Banaskantha |
Bara Banki |
Bardhaman |
Bareilly |
|||||||
Gramya Bank |
Gramin Bank |
Mehsana |
Gramin Bank |
Gramin Bank |
Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
(33) |
(34) |
(35) |
(36) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
373 |
476 |
2823 |
3136 |
1683 |
2125 |
2684 |
2951 |
3391 |
3799 |
1988 |
2278 |
a) Interest/discount on advances/bills |
207 |
220 |
516 |
494 |
693 |
943 |
501 |
588 |
668 |
802 |
700 |
830 |
|
b) Income on Investments |
0 |
3 |
2281 |
2625 |
619 |
872 |
1517 |
1591 |
892 |
769 |
1273 |
1425 |
|
c) Interest on balances with |
166 |
253 |
0 |
0 |
356 |
308 |
629 |
734 |
1832 |
2228 |
16 |
22 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
26 |
17 |
15 |
2 |
37 |
38 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
30 |
23 |
112 |
125 |
101 |
98 |
31 |
79 |
204 |
221 |
90 |
87 |
a) Commission, exchange and brokerage |
5 |
6 |
36 |
37 |
10 |
16 |
21 |
27 |
37 |
26 |
17 |
24 |
|
b) Other miscellaneous income |
25 |
16 |
77 |
89 |
90 |
82 |
10 |
52 |
168 |
195 |
73 |
64 |
|
|
|||||||||||||
Total (I+II) |
404 |
499 |
2935 |
3261 |
1783 |
2223 |
2715 |
3031 |
3596 |
4020 |
2078 |
2365 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
693 |
882 |
1835 |
2033 |
1215 |
1527 |
1629 |
1771 |
2672 |
3040 |
1027 |
1148 |
a) Interest on deposits |
577 |
865 |
1704 |
1894 |
1053 |
1296 |
1520 |
1666 |
2590 |
2953 |
886 |
988 |
|
b) Interest on RBI/inter-bank borrowings |
10 |
1 |
3 |
2 |
162 |
231 |
109 |
105 |
82 |
86 |
0 |
8 |
|
c) Others |
106 |
16 |
128 |
137 |
0 |
0 |
0 |
0 |
0 |
0 |
141 |
151 |
|
IV. |
Operating expenses |
464 |
464 |
567 |
617 |
532 |
515 |
654 |
763 |
666 |
721 |
547 |
646 |
a) Payments to and provisions for employees |
420 |
418 |
517 |
567 |
400 |
446 |
604 |
705 |
600 |
648 |
486 |
576 |
|
b) Rent, taxes and lighting |
10 |
11 |
9 |
9 |
8 |
10 |
11 |
11 |
16 |
19 |
15 |
16 |
|
c) Printing and stationery |
3 |
4 |
4 |
4 |
5 |
6 |
6 |
6 |
8 |
8 |
6 |
7 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
1 |
2 |
2 |
2 |
4 |
4 |
3 |
3 |
3 |
3 |
3 |
4 |
|
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 |
2 |
2 |
2 |
2 |
2 |
2 |
2 |
2 |
1 |
2 |
|
h) Law charges |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
1 |
1 |
|
i) Postage, telegrams, telephones, etc. |
2 |
2 |
2 |
3 |
3 |
4 |
3 |
2 |
3 |
3 |
3 |
3 |
|
j) Repairs and maintenance |
0 |
0 |
0 |
0 |
4 |
3 |
1 |
1 |
1 |
1 |
7 |
8 |
|
k) Insurance |
11 |
7 |
10 |
12 |
0 |
1 |
0 |
2 |
6 |
15 |
10 |
11 |
|
l) Other expenditure |
15 |
20 |
21 |
18 |
105 |
39 |
24 |
31 |
25 |
23 |
15 |
21 |
|
V. |
Provisions and contingencies |
80 |
79 |
0 |
0 |
0 |
0 |
-34 |
-10 |
157 |
191 |
0 |
60 |
Total expenses* |
1157 |
1346 |
2402 |
2650 |
1747 |
2042 |
2283 |
2535 |
3338 |
3761 |
1574 |
1794 |
|
VI. |
Profit /loss |
-834 |
-926 |
534 |
611 |
37 |
182 |
467 |
506 |
100 |
68 |
504 |
511 |
|
|||||||||||||
Total (III+IV+V+VI) |
404 |
499 |
2936 |
3261 |
1783 |
2223 |
2715 |
3031 |
3596 |
4020 |
2078 |
2365 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Bastar Kshetriya |
Basti |
Begusarai |
Bhagalpur Banka |
Bhagirath |
Bhandara |
|||||||
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 |
||
|
|||||||||||||
(37) |
(38) |
(39) |
(40) |
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
522 |
596 |
3376 |
3679 |
485 |
608 |
613 |
1327 |
4307 |
4552 |
814 |
924 |
a) Interest/discount on advances/bills |
172 |
205 |
518 |
600 |
66 |
80 |
184 |
168 |
666 |
761 |
384 |
468 |
|
b) Income on Investments |
10 |
10 |
2805 |
3021 |
416 |
526 |
425 |
1154 |
3636 |
3787 |
99 |
134 |
|
c) Interest on balances with |
340 |
381 |
53 |
58 |
3 |
2 |
0 |
5 |
5 |
4 |
331 |
322 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
4 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
8 |
36 |
44 |
56 |
26 |
70 |
14 |
61 |
147 |
247 |
46 |
36 |
a) Commission, exchange and brokerage |
8 |
14 |
41 |
52 |
3 |
13 |
8 |
6 |
146 |
246 |
1 |
5 |
|
b) Other miscellaneous income |
0 |
22 |
3 |
5 |
23 |
57 |
6 |
55 |
1 |
0 |
45 |
32 |
|
|
|||||||||||||
Total (I+II) |
530 |
632 |
3420 |
3736 |
510 |
678 |
627 |
1388 |
4454 |
4799 |
860 |
960 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
561 |
644 |
1523 |
1986 |
289 |
332 |
512 |
1152 |
1806 |
1969 |
593 |
685 |
a) Interest on deposits |
538 |
624 |
1380 |
1855 |
277 |
323 |
486 |
544 |
1645 |
1804 |
538 |
615 |
|
b) Interest on RBI/inter-bank borrowings |
23 |
21 |
142 |
131 |
12 |
9 |
26 |
603 |
161 |
165 |
56 |
71 |
|
c) Others |
0 |
0 |
1 |
0 |
0 |
0 |
0 |
4 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
406 |
424 |
614 |
663 |
99 |
131 |
139 |
145 |
802 |
866 |
266 |
283 |
a) Payments to and provisions for employees |
381 |
393 |
544 |
581 |
86 |
116 |
114 |
114 |
713 |
764 |
235 |
242 |
|
b) Rent, taxes and lighting |
6 |
6 |
11 |
14 |
3 |
4 |
8 |
7 |
21 |
26 |
8 |
9 |
|
c) Printing and stationery |
4 |
4 |
7 |
8 |
2 |
1 |
2 |
2 |
9 |
11 |
3 |
6 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
1 |
1 |
3 |
5 |
2 |
2 |
3 |
2 |
7 |
7 |
3 |
4 |
|
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 |
2 |
0 |
0 |
1 |
1 |
2 |
2 |
1 |
1 |
|
h) Law charges |
1 |
0 |
2 |
2 |
0 |
0 |
0 |
0 |
2 |
2 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
1 |
2 |
3 |
3 |
1 |
1 |
1 |
1 |
3 |
4 |
1 |
1 |
|
j) Repairs and maintenance |
1 |
1 |
2 |
2 |
1 |
0 |
0 |
0 |
3 |
4 |
0 |
0 |
|
k) Insurance |
12 |
14 |
6 |
11 |
2 |
3 |
4 |
5 |
16 |
18 |
0 |
5 |
|
l) Other expenditure |
2 |
2 |
35 |
34 |
2 |
2 |
6 |
13 |
26 |
28 |
14 |
15 |
|
V. |
Provisions and contingencies |
8 |
0 |
18 |
46 |
75 |
0 |
97 |
8 |
224 |
33 |
0 |
16 |
Total expenses* |
967 |
1069 |
2136 |
2649 |
388 |
463 |
651 |
1297 |
2608 |
2836 |
858 |
968 |
|
VI. |
Profit /loss |
-446 |
-437 |
1265 |
1041 |
47 |
216 |
-121 |
83 |
1622 |
1930 |
2 |
-24 |
|
|||||||||||||
Total (III+IV+V+VI) |
530 |
632 |
3420 |
3736 |
510 |
678 |
627 |
1388 |
4454 |
4799 |
860 |
960 |
|
|
|||||||||||||
*: Excluding `Provisions and Contingencies' |
|||||||||||||
Source : Annual accounts of banks of respective years. |