Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 6 of 8) - আরবিআই - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 6 of 8)
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Nadia |
Nagaland |
Nagarjuna |
Nainital Almora |
Nalanda |
Netravati |
|||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya |
Gramin Bank |
Gramin Bank |
||||||||
Gramin Bank |
|||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(241) |
(242) |
(243) |
(244) |
(245) |
(246) |
(247) |
(248) |
(249) |
(250) |
(251) |
(252) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1883 |
2034 |
78 |
92 |
3276 |
3691 |
1494 |
1675 |
1206 |
1609 |
489 |
628 |
a) Interest/discount on advances/bills |
396 |
376 |
23 |
31 |
1577 |
2077 |
614 |
766 |
181 |
244 |
335 |
474 |
|
b) Income on Investments |
716 |
1658 |
54 |
60 |
650 |
727 |
861 |
863 |
0 |
0 |
23 |
26 |
|
c) Interest on balances with |
771 |
0 |
0 |
0 |
1049 |
886 |
18 |
46 |
1025 |
1365 |
131 |
129 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
84 |
98 |
3 |
3 |
130 |
191 |
38 |
40 |
16 |
18 |
35 |
42 |
a) Commission, exchange and brokerage |
20 |
32 |
1 |
2 |
113 |
178 |
7 |
6 |
10 |
6 |
22 |
8 |
|
b) Other miscellaneous income |
64 |
65 |
2 |
1 |
17 |
13 |
30 |
34 |
6 |
12 |
14 |
34 |
|
|
|||||||||||||
Total (I+II) |
1967 |
2132 |
81 |
95 |
3406 |
3881 |
1532 |
1715 |
1221 |
1627 |
524 |
670 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1300 |
1462 |
38 |
45 |
1871 |
2236 |
842 |
933 |
1062 |
1223 |
312 |
390 |
a) Interest on deposits |
1157 |
1343 |
37 |
28 |
1536 |
1881 |
748 |
869 |
1041 |
1199 |
258 |
314 |
|
b) Interest on RBI/inter-bank borrowings |
142 |
119 |
1 |
1 |
333 |
337 |
93 |
61 |
21 |
25 |
54 |
77 |
|
c) Others |
0 |
0 |
0 |
17 |
2 |
18 |
1 |
3 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
431 |
445 |
35 |
41 |
1179 |
1198 |
329 |
347 |
447 |
527 |
157 |
188 |
a) Payments to and provisions for employees |
386 |
401 |
30 |
32 |
1052 |
1033 |
271 |
292 |
408 |
484 |
136 |
164 |
|
b) Rent, taxes and lighting |
8 |
8 |
1 |
2 |
35 |
39 |
18 |
19 |
7 |
7 |
8 |
8 |
|
c) Printing and stationery |
5 |
4 |
0 |
0 |
19 |
21 |
5 |
5 |
3 |
3 |
2 |
2 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
2 |
2 |
1 |
1 |
9 |
13 |
4 |
4 |
3 |
5 |
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 |
1 |
1 |
0 |
0 |
2 |
3 |
1 |
1 |
1 |
1 |
1 |
1 |
|
h) Law charges |
1 |
1 |
0 |
0 |
0 |
0 |
1 |
1 |
1 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
1 |
1 |
0 |
0 |
8 |
8 |
2 |
3 |
2 |
3 |
2 |
3 |
|
j) Repairs and maintenance |
1 |
1 |
0 |
0 |
2 |
4 |
5 |
5 |
0 |
0 |
0 |
0 |
|
k) Insurance |
11 |
9 |
1 |
1 |
7 |
16 |
6 |
6 |
1 |
2 |
2 |
2 |
|
l) Other expenditure |
16 |
16 |
2 |
4 |
44 |
60 |
15 |
12 |
21 |
22 |
4 |
6 |
|
V. |
Provisions and contingencies |
57 |
41 |
0 |
0 |
58 |
69 |
7 |
38 |
68 |
103 |
5 |
8 |
Total expenses* |
1730 |
1907 |
73 |
86 |
3050 |
3434 |
1171 |
1280 |
1509 |
1750 |
469 |
579 |
|
VI. |
Profit /loss |
180 |
184 |
7 |
9 |
298 |
378 |
354 |
397 |
-356 |
-226 |
50 |
83 |
|
|||||||||||||
Total (III+IV+V+VI) |
1967 |
2132 |
81 |
95 |
3406 |
3881 |
1532 |
1715 |
1221 |
1627 |
524 |
670 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Nimar Kshetriya |
North Malabar |
Palamau |
Panchmahal |
Pandyan |
Parvatiya |
|||||||
Gramin Bank |
Gramin Bank |
Kshetriya |
Vadodara |
Gramin Bank |
Gramin Bank |
||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(253) |
(254) |
(255) |
(256) |
(257) |
(258) |
(259) |
(260) |
(261) |
(262) |
(263) |
(264) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1522 |
1753 |
6112 |
7119 |
1544 |
1916 |
1359 |
1455 |
4641 |
5511 |
881 |
1014 |
a) Interest/discount on advances/bills |
593 |
650 |
4239 |
5331 |
307 |
357 |
560 |
555 |
2388 |
2983 |
175 |
196 |
|
b) Income on Investments |
398 |
550 |
1062 |
1046 |
238 |
228 |
483 |
838 |
352 |
582 |
178 |
162 |
|
c) Interest on balances with |
531 |
553 |
810 |
741 |
930 |
1235 |
316 |
62 |
1901 |
0 |
527 |
655 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
70 |
95 |
0 |
0 |
0 |
1946 |
0 |
1 |
|
II. |
Other income |
90 |
42 |
448 |
472 |
45 |
61 |
31 |
48 |
292 |
327 |
25 |
20 |
a) Commission, exchange and brokerage |
5 |
6 |
76 |
87 |
18 |
27 |
19 |
20 |
246 |
279 |
14 |
8 |
|
b) Other miscellaneous income |
85 |
37 |
372 |
385 |
27 |
33 |
12 |
28 |
46 |
48 |
11 |
12 |
|
|
|||||||||||||
Total (I+II) |
1612 |
1795 |
6560 |
7591 |
1589 |
1976 |
1390 |
1502 |
4932 |
5838 |
906 |
1034 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1122 |
1223 |
3261 |
3829 |
998 |
1291 |
862 |
1011 |
3139 |
3702 |
599 |
690 |
a) Interest on deposits |
1024 |
1128 |
2087 |
2434 |
952 |
1247 |
734 |
878 |
2696 |
3177 |
564 |
660 |
|
b) Interest on RBI/inter-bank borrowings |
9 |
9 |
1174 |
1395 |
44 |
42 |
128 |
134 |
443 |
525 |
35 |
29 |
|
c) Others |
89 |
87 |
0 |
0 |
2 |
2 |
0 |
0 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
398 |
459 |
1619 |
1775 |
524 |
546 |
344 |
386 |
1351 |
1587 |
146 |
211 |
a) Payments to and provisions for employees |
354 |
410 |
1256 |
1341 |
463 |
483 |
283 |
303 |
1139 |
1353 |
124 |
183 |
|
b) Rent, taxes and lighting |
12 |
13 |
54 |
79 |
13 |
15 |
10 |
13 |
35 |
40 |
5 |
5 |
|
c) Printing and stationery |
4 |
5 |
21 |
23 |
8 |
7 |
5 |
4 |
19 |
23 |
3 |
3 |
|
d) Advertisement and publicity |
0 |
0 |
1 |
1 |
0 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
3 |
3 |
13 |
27 |
4 |
4 |
11 |
20 |
16 |
22 |
1 |
4 |
|
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 |
4 |
4 |
2 |
2 |
2 |
2 |
5 |
4 |
1 |
1 |
|
h) Law charges |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
0 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
0 |
0 |
33 |
35 |
2 |
3 |
4 |
5 |
27 |
24 |
1 |
1 |
|
j) Repairs and maintenance |
1 |
1 |
1 |
2 |
1 |
1 |
1 |
1 |
1 |
3 |
0 |
1 |
|
k) Insurance |
1 |
0 |
59 |
61 |
6 |
7 |
1 |
1 |
20 |
24 |
4 |
3 |
|
l) Other expenditure |
20 |
24 |
177 |
199 |
24 |
24 |
27 |
37 |
89 |
92 |
8 |
9 |
|
V. |
Provisions and contingencies |
51 |
133 |
125 |
201 |
0 |
0 |
65 |
0 |
0 |
33 |
0 |
0 |
Total expenses* |
1520 |
1682 |
4880 |
5604 |
1522 |
1837 |
1206 |
1398 |
4490 |
5289 |
745 |
901 |
|
VI. |
Profit /loss |
41 |
-20 |
1555 |
1785 |
67 |
140 |
119 |
105 |
442 |
516 |
161 |
133 |
|
|||||||||||||
Total (III+IV+V+VI) |
1612 |
1795 |
6560 |
7591 |
1589 |
1976 |
1390 |
1502 |
4932 |
5838 |
906 |
1034 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Patliputra |
Pinakini |
Pithoragarh |
Pragjyotish |
Pratapgarh |
Prathama Bank |
|||||||
Gramin Bank |
Gramin Bank |
Kshetriya |
Gaonlia Bank |
Kshetriya |
|||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(265) |
(266) |
(267) |
(268) |
(269) |
(270) |
(271) |
(272) |
(273) |
(274) |
(275) |
(276) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
438 |
529 |
2757 |
3378 |
964 |
1084 |
4552 |
5000 |
2229 |
2665 |
6902 |
7700 |
a) Interest/discount on advances/bills |
87 |
123 |
1725 |
2280 |
211 |
251 |
1027 |
1068 |
356 |
479 |
3107 |
3746 |
|
b) Income on Investments |
250 |
258 |
874 |
1089 |
247 |
127 |
3525 |
3926 |
1836 |
2165 |
3795 |
3954 |
|
c) Interest on balances with |
101 |
148 |
158 |
9 |
507 |
706 |
0 |
0 |
37 |
21 |
0 |
0 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
6 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
5 |
6 |
184 |
300 |
15 |
17 |
134 |
160 |
25 |
59 |
448 |
543 |
a) Commission, exchange and brokerage |
2 |
2 |
73 |
153 |
11 |
14 |
79 |
94 |
8 |
12 |
70 |
92 |
|
b) Other miscellaneous income |
3 |
4 |
111 |
147 |
4 |
3 |
56 |
66 |
17 |
48 |
379 |
451 |
|
|
|||||||||||||
Total (I+II) |
443 |
535 |
2941 |
3678 |
979 |
1101 |
4686 |
5159 |
2254 |
2724 |
7351 |
8242 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
275 |
342 |
1695 |
2027 |
549 |
731 |
2818 |
3296 |
1451 |
1656 |
3271 |
3442 |
a) Interest on deposits |
263 |
334 |
1411 |
1664 |
508 |
695 |
2558 |
3054 |
1399 |
1595 |
2593 |
2780 |
|
b) Interest on RBI/inter-bank borrowings |
0 |
0 |
284 |
362 |
41 |
36 |
260 |
239 |
52 |
62 |
678 |
663 |
|
c) Others |
12 |
8 |
0 |
0 |
0 |
0 |
0 |
3 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
98 |
115 |
733 |
841 |
142 |
153 |
1301 |
1434 |
523 |
624 |
1857 |
2078 |
a) Payments to and provisions for employees |
81 |
96 |
644 |
725 |
112 |
119 |
1169 |
1265 |
466 |
545 |
1670 |
1854 |
|
b) Rent, taxes and lighting |
4 |
4 |
20 |
22 |
6 |
7 |
41 |
45 |
9 |
12 |
39 |
47 |
|
c) Printing and stationery |
2 |
2 |
10 |
12 |
3 |
3 |
15 |
28 |
3 |
7 |
14 |
19 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
3 |
3 |
7 |
8 |
3 |
2 |
14 |
13 |
3 |
6 |
9 |
17 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
0 |
0 |
1 |
4 |
1 |
1 |
4 |
4 |
1 |
2 |
5 |
5 |
|
h) Law charges |
0 |
0 |
0 |
1 |
0 |
0 |
1 |
1 |
0 |
0 |
2 |
2 |
|
i) Postage, telegrams, telephones, etc. |
1 |
2 |
7 |
9 |
1 |
2 |
7 |
3 |
1 |
1 |
23 |
22 |
|
j) Repairs and maintenance |
1 |
0 |
3 |
1 |
1 |
0 |
3 |
2 |
1 |
1 |
3 |
5 |
|
k) Insurance |
2 |
4 |
1 |
1 |
4 |
5 |
3 |
4 |
10 |
12 |
28 |
30 |
|
l) Other expenditure |
4 |
5 |
38 |
58 |
12 |
14 |
44 |
69 |
26 |
38 |
65 |
78 |
|
V. |
Provisions and contingencies |
0 |
7 |
0 |
0 |
0 |
0 |
396 |
421 |
68 |
45 |
61 |
105 |
Total expenses* |
373 |
457 |
2428 |
2867 |
692 |
884 |
4119 |
4730 |
1974 |
2280 |
5128 |
5520 |
|
VI. |
Profit /loss |
70 |
71 |
513 |
811 |
287 |
217 |
170 |
8 |
212 |
399 |
2162 |
2617 |
|
|||||||||||||
Total (III+IV+V+VI) |
443 |
535 |
2941 |
3678 |
979 |
1101 |
4686 |
5159 |
2254 |
2724 |
7351 |
8242 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Puri |
Rae Bareli |
Raigarh |
Rajgarh |
Ranchi |
Rani Laxmibai |
|||||||
Gramin Bank |
Kshetriya |
Kshetriya |
Kshetriya |
Kshetriya |
Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(277) |
(278) |
(279) |
(280) |
(281) |
(282) |
(283) |
(284) |
(285) |
(286) |
(287) |
(288) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
3128 |
3803 |
2408 |
2677 |
1126 |
1339 |
987 |
1174 |
1289 |
1464 |
477 |
566 |
a) Interest/discount on advances/bills |
1814 |
2119 |
419 |
530 |
218 |
224 |
470 |
568 |
376 |
403 |
247 |
285 |
|
b) Income on Investments |
1313 |
1683 |
1238 |
1186 |
25 |
18 |
240 |
290 |
242 |
162 |
60 |
90 |
|
c) Interest on balances with |
1 |
1 |
723 |
934 |
883 |
1097 |
276 |
316 |
672 |
899 |
0 |
0 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
29 |
27 |
0 |
0 |
0 |
0 |
0 |
0 |
170 |
191 |
|
II. |
Other income |
118 |
119 |
19 |
40 |
115 |
35 |
32 |
35 |
26 |
29 |
17 |
76 |
a) Commission, exchange and brokerage |
85 |
91 |
12 |
16 |
13 |
17 |
4 |
7 |
5 |
6 |
4 |
12 |
|
b) Other miscellaneous income |
34 |
28 |
7 |
23 |
102 |
18 |
28 |
28 |
21 |
23 |
13 |
64 |
|
|
|||||||||||||
Total (I+II) |
3246 |
3921 |
2427 |
2716 |
1241 |
1374 |
1019 |
1208 |
1315 |
1493 |
494 |
642 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
2294 |
2833 |
1453 |
1667 |
749 |
730 |
729 |
831 |
996 |
1092 |
485 |
545 |
a) Interest on deposits |
1933 |
2333 |
1395 |
1614 |
708 |
690 |
632 |
744 |
920 |
1038 |
450 |
506 |
|
b) Interest on RBI/inter-bank borrowings |
361 |
500 |
58 |
54 |
40 |
39 |
5 |
3 |
0 |
0 |
0 |
0 |
|
c) Others |
0 |
0 |
0 |
0 |
0 |
0 |
93 |
84 |
76 |
54 |
35 |
39 |
|
IV. |
Operating expenses |
933 |
998 |
526 |
614 |
357 |
368 |
277 |
325 |
465 |
481 |
302 |
301 |
a) Payments to and provisions for employees |
802 |
865 |
468 |
548 |
338 |
326 |
238 |
266 |
414 |
435 |
258 |
250 |
|
b) Rent, taxes and lighting |
27 |
30 |
9 |
14 |
7 |
7 |
9 |
10 |
11 |
11 |
10 |
12 |
|
c) Printing and stationery |
13 |
12 |
8 |
10 |
4 |
4 |
4 |
4 |
7 |
3 |
4 |
3 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
7 |
9 |
6 |
8 |
1 |
1 |
3 |
5 |
6 |
3 |
2 |
3 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
3 |
4 |
1 |
2 |
0 |
1 |
1 |
1 |
1 |
2 |
0 |
1 |
|
h) Law charges |
0 |
0 |
0 |
1 |
0 |
0 |
0 |
1 |
0 |
1 |
0 |
1 |
|
i) Postage, telegrams, telephones, etc. |
3 |
2 |
4 |
4 |
2 |
2 |
2 |
2 |
2 |
2 |
3 |
3 |
|
j) Repairs and maintenance |
1 |
1 |
4 |
4 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|
k) Insurance |
15 |
18 |
7 |
11 |
5 |
11 |
0 |
1 |
8 |
8 |
0 |
0 |
|
l) Other expenditure |
62 |
57 |
18 |
14 |
1 |
15 |
19 |
34 |
17 |
15 |
24 |
27 |
|
V. |
Provisions and contingencies |
0 |
239 |
92 |
88 |
55 |
99 |
-9 |
10 |
30 |
57 |
170 |
35 |
Total expenses* |
3227 |
3831 |
1978 |
2281 |
1106 |
1098 |
1006 |
1156 |
1461 |
1574 |
787 |
846 |
|
VI. |
Profit /loss |
19 |
-149 |
357 |
348 |
79 |
177 |
22 |
42 |
-176 |
-137 |
-462 |
-239 |
|
|||||||||||||
Total (III+IV+V+VI) |
3246 |
3921 |
2427 |
2716 |
1241 |
1374 |
1019 |
1208 |
1315 |
1493 |
494 |
642 |
|
|
|||||||||||||
*: Excluding `Provisions and Contingencies' |
|||||||||||||
Source : Annual accounts of banks of respective years. |