Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 12 of 12) - આરબીઆઈ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 12 of 12)
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(Amount in Rs. lakh) |
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For the year ended March 31 |
||||||||||||
Items |
Surguja Kshetriya |
Thane |
Thar Anchalik |
Tripura |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(361) |
(362) |
(363) |
(364) |
(365) |
(366) |
(367) |
(368) |
||
Income |
||||||||||||
I. |
Interest Earned |
1210 |
1521 |
568 |
617 |
698 |
885 |
1563 |
2032 |
|||
a) |
Interest/discount on advances/bills |
227 |
325 |
41 |
39 |
270 |
323 |
243 |
287 |
|||
b) |
Income on Investments |
20 |
72 |
345 |
373 |
261 |
155 |
755 |
1054 |
|||
c) |
Interest on balances with |
963 |
1123 |
177 |
204 |
165 |
407 |
565 |
691 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
1 |
5 |
- |
1 |
- |
- |
- |
|||
II. |
Other income |
27 |
45 |
14 |
17 |
69 |
79 |
88 |
78 |
|||
a) |
Commission, exchange and brokerage |
22 |
23 |
8 |
8 |
15 |
15 |
87 |
76 |
|||
b) |
Other miscellaneous income |
5 |
22 |
7 |
9 |
53 |
64 |
1 |
2 |
|||
Total (I+II) |
1237 |
1565 |
582 |
635 |
766 |
964 |
1651 |
2111 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1015 |
1139 |
287 |
339 |
575 |
699 |
1757 |
2043 |
|||
a) |
Interest on deposits |
977 |
1118 |
278 |
332 |
521 |
624 |
1567 |
1775 |
|||
b) |
Interest on RBI/inter-bank borrowings |
- |
21 |
9 |
7 |
53 |
74 |
190 |
267 |
|||
c) |
Others |
38 |
- |
- |
- |
1 |
1 |
- |
1 |
|||
IV. |
Operating expenses |
451 |
502 |
131 |
126 |
342 |
362 |
322 |
1063 |
|||
a) |
Payments to and provisions for employees |
411 |
456 |
109 |
96 |
304 |
320 |
875 |
986 |
|||
b) |
Rent, taxes and lighting |
8 |
8 |
4 |
5 |
7 |
8 |
23 |
26 |
|||
c) |
Printing and stationery |
3 |
3 |
3 |
3 |
5 |
6 |
9 |
12 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
4 |
4 |
3 |
6 |
3 |
3 |
3 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
1 |
- |
- |
- |
- |
1 |
2 |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
2 |
3 |
4 |
3 |
3 |
|||
j) |
Repairs and maintenance |
2 |
1 |
4 |
3 |
- |
- |
2 |
2 |
|||
k) |
Insurance |
7 |
10 |
1 |
4 |
4 |
5 |
10 |
12 |
|||
l) |
Other expenditure |
14 |
15 |
6 |
6 |
16 |
15 |
-605 |
17 |
|||
V. |
Provisions and contingencies |
24 |
- |
28 |
26 |
35 |
24 |
-310 |
-327 |
|||
Total expenses* |
1465 |
1641 |
418 |
465 |
917 |
1062 |
2079 |
3107 |
||||
VI. |
Profit (loss) |
-251 |
-75 |
136 |
143 |
-185 |
-122 |
-119 |
-669 |
|||
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Total (III+IV+V+VI) |
1237 |
1565 |
582 |
635 |
766 |
964 |
1651 |
2111 |
|||
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Tulsi |
Tungabhadra |
Uttar Banga Kshetriya |
Vaishali Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
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|
(369) |
(370) |
(371) |
(372) |
(373) |
(374) |
(375) |
(376) |
||
Income |
||||||||||||
I. |
Interest Earned |
1489 |
1920 |
5259 |
6065 |
1852 |
2417 |
2400 |
2843 |
|||
a) |
Interest/discount on advances/bills |
539 |
659 |
3345 |
3955 |
519 |
789 |
574 |
567 |
|||
b) |
Income on Investments |
939 |
1256 |
985 |
961 |
427 |
659 |
3 |
3 |
|||
c) |
Interest on balances with |
11 |
5 |
928 |
1145 |
859 |
944 |
1823 |
2253 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
4 |
47 |
26 |
- |
21 |
|||
II. |
Other income |
131 |
75 |
385 |
566 |
181 |
271 |
130 |
425 |
|||
a) |
Commission, exchange and brokerage |
130 |
74 |
89 |
113 |
21 |
27 |
22 |
37 |
|||
b) |
Other miscellaneous income |
1 |
1 |
297 |
454 |
159 |
244 |
108 |
388 |
|||
Total (I+II) |
1620 |
1995 |
5644 |
6631 |
2033 |
2688 |
2530 |
3268 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
877 |
1050 |
2750 |
3440 |
1449 |
1789 |
2055 |
2413 |
|||
a) |
Interest on deposits |
783 |
940 |
2021 |
2443 |
1372 |
1717 |
1995 |
2339 |
|||
b) |
Interest on RBI/inter-bank borrowings |
94 |
111 |
729 |
839 |
77 |
72 |
60 |
74 |
|||
c) |
Others |
- |
- |
- |
157 |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
528 |
578 |
1399 |
1552 |
950 |
1090 |
1114 |
1156 |
|||
a) |
Payments to and provisions for employees |
488 |
523 |
1238 |
1373 |
759 |
879 |
1054 |
1094 |
|||
b) |
Rent, taxes and lighting |
8 |
10 |
27 |
32 |
17 |
20 |
13 |
17 |
|||
c) |
Printing and stationery |
8 |
8 |
17 |
18 |
5 |
6 |
6 |
6 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
1 |
- |
- |
|||
e) |
Depreciation on Bank's property |
5 |
6 |
13 |
14 |
6 |
6 |
4 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
1 |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
3 |
2 |
2 |
- |
3 |
1 |
2 |
|||
h) |
Law charges |
1 |
1 |
3 |
3 |
2 |
2 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
4 |
5 |
20 |
20 |
4 |
4 |
2 |
2 |
|||
j) |
Repairs and maintenance |
1 |
1 |
4 |
5 |
1 |
1 |
- |
- |
|||
k) |
Insurance |
9 |
10 |
13 |
18 |
11 |
13 |
13 |
15 |
|||
l) |
Other expenditure |
4 |
10 |
62 |
67 |
145 |
155 |
20 |
18 |
|||
V. |
Provisions and contingencies |
70 |
8 |
295 |
309 |
172 |
140 |
8 |
19 |
|||
Total expenses* |
1405 |
1638 |
4149 |
4992 |
2399 |
2879 |
3169 |
3569 |
||||
VI. |
Profit (loss) |
145 |
357 |
1200 |
1330 |
-539 |
-331 |
-647 |
-321 |
|||
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Total (III+IV+V+VI) |
1620 |
1995 |
5644 |
6631 |
2033 |
2688 |
2530 |
3268 |
|||
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Vallalar |
Valsad-Dangs |
Varada |
Vibisha Bhopal Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(377) |
(378) |
(379) |
(380) |
(381) |
(382) |
(383) |
(384) |
||
Income |
||||||||||||
I. |
Interest Earned |
562 |
542 |
967 |
1169 |
758 |
919 |
619 |
843 |
|||
a) |
Interest/discount on advances/bills |
306 |
273 |
313 |
345 |
521 |
667 |
321 |
402 |
|||
b) |
Income on Investments |
40 |
248 |
291 |
382 |
234 |
252 |
77 |
101 |
|||
c) |
Interest on balances with |
216 |
20 |
363 |
441 |
2 |
- |
170 |
291 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
51 |
49 |
|||
II. |
Other income |
27 |
30 |
27 |
37 |
36 |
56 |
25 |
30 |
|||
a) |
Commission, exchange and brokerage |
7 |
10 |
16 |
23 |
5 |
8 |
22 |
27 |
|||
b) |
Other miscellaneous income |
20 |
19 |
11 |
14 |
30 |
48 |
2 |
3 |
|||
Total (I+II) |
590 |
572 |
995 |
1206 |
793 |
975 |
644 |
873 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
228 |
232 |
528 |
656 |
472 |
562 |
421 |
519 |
|||
a) |
Interest on deposits |
170 |
171 |
460 |
584 |
335 |
398 |
389 |
462 |
|||
b) |
Interest on RBI/inter-bank borrowings |
11 |
17 |
68 |
72 |
137 |
28 |
- |
1 |
|||
c) |
Others |
46 |
44 |
- |
- |
- |
136 |
33 |
56 |
|||
IV. |
Operating expenses |
118 |
130 |
200 |
243 |
197 |
215 |
122 |
138 |
|||
a) |
Payments to and provisions for employees |
94 |
102 |
165 |
201 |
160 |
166 |
81 |
87 |
|||
b) |
Rent, taxes and lighting |
4 |
5 |
8 |
9 |
7 |
8 |
10 |
14 |
|||
c) |
Printing and stationery |
2 |
2 |
3 |
4 |
3 |
3 |
7 |
7 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
1 |
2 |
- |
- |
|||
e) |
Depreciation on Bank's property |
3 |
4 |
4 |
4 |
8 |
10 |
3 |
6 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
1 |
- |
1 |
- |
1 |
- |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
3 |
3 |
3 |
4 |
4 |
4 |
3 |
2 |
|||
j) |
Repairs and maintenance |
1 |
1 |
- |
- |
1 |
1 |
- |
- |
|||
k) |
Insurance |
3 |
3 |
- |
- |
- |
2 |
3 |
3 |
|||
l) |
Other expenditure |
9 |
9 |
15 |
20 |
13 |
18 |
15 |
16 |
|||
V. |
Provisions and contingencies |
16 |
8 |
37 |
28 |
- |
65 |
15 |
25 |
|||
Total expenses* |
346 |
361 |
728 |
899 |
670 |
777 |
543 |
657 |
||||
VI. |
Profit (loss) |
228 |
202 |
229 |
279 |
123 |
133 |
86 |
191 |
|||
|
Total (III+IV+V+VI) |
590 |
572 |
995 |
1206 |
793 |
975 |
644 |
873 |
|||
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|
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|
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Vidur |
Vindhyavasini |
Visweshwaraya |
Yavatmal |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(385) |
(386) |
(387) |
(388) |
(389) |
(390) |
(391) |
(392) |
||
Income |
||||||||||||
I. |
Interest Earned |
916 |
1037 |
869 |
1088 |
423 |
526 |
466 |
505 |
|||
a) |
Interest/discount on advances/bills |
174 |
256 |
222 |
273 |
248 |
319 |
180 |
228 |
|||
b) |
Income on Investments |
191 |
193 |
291 |
295 |
30 |
109 |
84 |
99 |
|||
c) |
Interest on balances with |
549 |
584 |
357 |
521 |
144 |
99 |
202 |
178 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
1 |
4 |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
25 |
31 |
48 |
54 |
37 |
50 |
30 |
32 |
|||
a) |
Commission, exchange and brokerage |
18 |
22 |
46 |
54 |
8 |
8 |
21 |
22 |
|||
b) |
Other miscellaneous income |
7 |
9 |
2 |
- |
29 |
41 |
9 |
10 |
|||
Total (I+II) |
941 |
1068 |
917 |
1142 |
459 |
576 |
496 |
537 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
419 |
495 |
587 |
693 |
266 |
326 |
238 |
274 |
|||
a) |
Interest on deposits |
358 |
418 |
528 |
636 |
229 |
284 |
205 |
236 |
|||
b) |
Interest on RBI/inter-bank borrowings |
49 |
65 |
59 |
58 |
7 |
8 |
- |
- |
|||
c) |
Others |
12 |
13 |
- |
- |
31 |
35 |
34 |
37 |
|||
IV. |
Operating expenses |
368 |
292 |
240 |
258 |
137 |
153 |
125 |
137 |
|||
a) |
Payments to and provisions for employees |
344 |
262 |
209 |
222 |
118 |
132 |
107 |
117 |
|||
b) |
Rent, taxes and lighting |
4 |
5 |
7 |
7 |
5 |
6 |
4 |
4 |
|||
c) |
Printing and stationery |
3 |
3 |
4 |
4 |
3 |
3 |
2 |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
2 |
3 |
4 |
2 |
2 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
1 |
1 |
1 |
- |
1 |
- |
1 |
|||
h) |
Law charges |
- |
- |
2 |
4 |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
4 |
1 |
2 |
1 |
1 |
1 |
1 |
|||
j) |
Repairs and maintenance |
1 |
1 |
1 |
- |
- |
- |
- |
- |
|||
k) |
Insurance |
- |
- |
3 |
7 |
1 |
2 |
2 |
2 |
|||
l) |
Other expenditure |
11 |
13 |
9 |
7 |
6 |
6 |
7 |
8 |
|||
V. |
Provisions and contingencies |
- |
- |
4 |
4 |
3 |
15 |
14 |
17 |
|||
Total expenses* |
787 |
787 |
828 |
951 |
403 |
479 |
363 |
410 |
||||
VI. |
Profit (loss) |
154 |
281 |
86 |
187 |
53 |
81 |
119 |
109 |
|||
|
Total (III+IV+V+VI) |
941 |
1068 |
917 |
1142 |
459 |
576 |
496 |
537 |
Note |
||
* : Excluding 'Provisions and Contingencies'. |
||
Source : Annual accounts of banks of respective years. |