Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 10 of 12) - आरबीआई - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 10 of 12)
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Rewa Sidhi | Sabarkantha-Gandhinagar | Sagar | Sahyadri | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (297) | (298) | (299) | (300) | (301) | (302) | (303) | (304) | ||
Income | ||||||||||||
I. | Interest Earned | 2446 | 2714 | 852 | 979 | 3195 | 3836 | 721 | 882 | |||
a) | Interest/discount on advances/bills | 487 | 492 | 275 | 292 | 371 | 494 | 424 | 496 | |||
b) | Income on Investments | 892 | 1006 | 234 | 263 | 1688 | 2338 | 96 | 116 | |||
c) | Interest on balances with | 1067 | 1214 | 343 | 425 | 1136 | 1004 | 202 | 270 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | 1 | 2 | - | - | - | - | - | - | |||
II. | Other income | 38 | 36 | 37 | 77 | 57 | 52 | 38 | 50 | |||
a) | Commission, exchange and brokerage | 8 | 9 | 19 | 26 | 56 | 49 | 10 | 12 | |||
b) | Other miscellaneous income | 30 | 27 | 17 | 51 | 1 | 3 | 28 | 38 | |||
Total (I+II) | 2484 | 2750 | 888 | 1056 | 3252 | 3889 | 759 | 932 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 1541 | 1753 | 518 | 663 | 2316 | 2868 | 430 | 487 | |||
a) | Interest on deposits | 1434 | 1655 | 441 | 571 | 2247 | 2805 | 289 | 372 | |||
b) | Interest on RBI/inter-bank borrowings | 107 | 98 | 72 | 90 | - | - | 141 | 116 | |||
c) | Others | - | - | 4 | 2 | 69 | 64 | - | - | |||
IV. | Operating expenses | 563 | 631 | 143 | 152 | 922 | 956 | 172 | 179 | |||
a) | Payments to and provisions for employees | 455 | 506 | 126 | 129 | 839 | 847 | 144 | 148 | |||
b) | Rent, taxes and lighting | 13 | 15 | 5 | 7 | 34 | 38 | 7 | 8 | |||
c) | Printing and stationery | 9 | 8 | 3 | 2 | 5 | 15 | 1 | 3 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 5 | 5 | 2 | 6 | 7 | 7 | 4 | 3 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | 1 | - | |||
g) | Auditors' fees and expenses | 1 | 1 | - | 1 | 1 | 2 | - | 1 | |||
h) | Law charges | - | - | - | - | 1 | 1 | - | - | |||
i) | Postage, telegrams, telephones, etc. | 5 | 5 | 1 | 1 | 2 | 3 | 3 | 3 | |||
j) | Repairs and maintenance | 1 | 1 | 1 | - | 2 | 1 | 2 | 2 | |||
k) | Insurance | 9 | 12 | 3 | 4 | 16 | 20 | 2 | - | |||
l) | Other expenditure | 64 | 76 | 2 | 3 | 17 | 22 | 7 | 11 | |||
V. | Provisions and contingencies | 64 | 149 | 25 | 31 | 1 | 86 | 46 | 30 | |||
Total expenses* | 2104 | 2384 | 661 | 815 | 3238 | 3825 | 602 | 667 | ||||
VI. | Profit (loss) | 316 | 217 | 203 | 210 | 13 | 150 | 111 | 236 | |||
| Total (III+IV+V+VI) | 2484 | 2750 | 888 | 1056 | 3252 | 3889 | 759 | 932 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Samastipur Kshetriya | Samyukt Kshetriya | Sangameshwar | Santhal Parganas | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (305) | (306) | (307) | (308) | (309) | (310) | (311) | (312) | ||
Income | ||||||||||||
I. | Interest Earned | 1337 | 1710 | 6276 | 7237 | 1536 | 1937 | 2258 | 2258 | |||
a) | Interest/discount on advances/bills | 212 | 301 | 320 | 394 | 735 | 981 | 265 | 282 | |||
b) | Income on Investments | 326 | 420 | 3992 | 4854 | - | - | 693 | 725 | |||
c) | Interest on balances with | 800 | 989 | 1956 | 1979 | - | - | 1300 | 1250 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | 9 | 10 | 800 | 957 | - | - | |||
II. | Other income | 96 | 145 | 79 | 94 | 71 | 131 | 38 | 227 | |||
a) | Commission, exchange and brokerage | 27 | 28 | 41 | 28 | 39 | 51 | 12 | 14 | |||
b) | Other miscellaneous income | 69 | 117 | 38 | 66 | 32 | 80 | 26 | 213 | |||
Total (I+II) | 1433 | 1855 | 6355 | 7331 | 1606 | 2068 | 2296 | 2484 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 1020 | 1136 | 3850 | 4541 | 948 | 1149 | 1468 | 1655 | |||
a) | Interest on deposits | 920 | 1031 | 3742 | 4440 | 768 | 942 | 1385 | 1566 | |||
b) | Interest on RBI/inter-bank borrowings | 83 | 96 | 8 | 5 | - | - | 82 | 89 | |||
c) | Others | 18 | 9 | 101 | 96 | 181 | 206 | - | - | |||
IV. | Operating expenses | 505 | 519 | 1466 | 1646 | 414 | 436 | 678 | 657 | |||
a) | Payments to and provisions for employees | 426 | 439 | 1163 | 1246 | 361 | 371 | 610 | 605 | |||
b) | Rent, taxes and lighting | 11 | 13 | 18 | 22 | 12 | 12 | 12 | 9 | |||
c) | Printing and stationery | 7 | 6 | 12 | 11 | 5 | 7 | 5 | 4 | |||
d) | Advertisement and publicity | - | - | 1 | 1 | - | - | - | - | |||
e) | Depreciation on Bank's property | 4 | 4 | 7 | 6 | 3 | 5 | 2 | 2 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 1 | 1 | 3 | 1 | 2 | 1 | 2 | |||
h) | Law charges | 1 | 1 | 2 | 1 | - | - | - | - | |||
i) | Postage, telegrams, telephones, etc. | 2 | 1 | 9 | 7 | 5 | 6 | 2 | 2 | |||
j) | Repairs and maintenance | 1 | 1 | 1 | 2 | 1 | - | 1 | 1 | |||
k) | Insurance | 23 | 28 | 69 | 35 | 4 | 5 | 6 | 5 | |||
l) | Other expenditure | 31 | 24 | 183 | 312 | 22 | 26 | 39 | 27 | |||
V. | Provisions and contingencies | - | - | - | - | 54 | - | 44 | - | |||
Total expenses* | 1525 | 1655 | 5316 | 6187 | 1363 | 1585 | 2146 | 2311 | ||||
VI. | Profit (loss) | -92 | 200 | 1039 | 1144 | 189 | 484 | 106 | 173 | |||
| Total (III+IV+V+VI) | 1433 | 1855 | 6355 | 7331 | 1606 | 2068 | 2296 | 2484 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Saran Kshetriya | Sarayu | Shahajahanpur Kshetriya | Shahdol Kshetriya | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (313) | (314) | (315) | (316) | (317) | (318) | (319) | (320) | ||
Income | ||||||||||||
I. | Interest Earned | 795 | 993 | 1322 | 1484 | 1124 | 1415 | 559 | 652 | |||
a) | Interest/discount on advances/bills | 179 | 192 | 339 | 450 | 359 | 497 | 80 | 123 | |||
b) | Income on Investments | 3 | 8 | 975 | 1026 | 225 | 302 | 472 | 523 | |||
c) | Interest on balances with | 613 | 794 | 8 | 7 | 541 | 590 | 7 | 6 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | 25 | - | - | |||
II. | Other income | 11 | 61 | 61 | 52 | 59 | 69 | 15 | 23 | |||
a) | Commission, exchange and brokerage | 4 | 6 | 61 | 52 | 37 | 45 | 8 | 11 | |||
b) | Other miscellaneous income | 7 | 56 | - | - | 21 | 24 | 7 | 12 | |||
Total (I+II) | 807 | 1055 | 1382 | 1536 | 1183 | 1484 | 574 | 675 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 733 | 809 | 569 | 674 | 528 | 628 | 466 | 559 | |||
a) | Interest on deposits | 714 | 784 | 495 | 586 | 428 | 472 | 449 | 536 | |||
b) | Interest on RBI/inter-bank borrowings | 19 | 26 | 73 | 87 | - | - | 16 | 23 | |||
c) | Others | - | - | - | - | 101 | 156 | - | - | |||
IV. | Operating expenses | 331 | 350 | 220 | 240 | 196 | 287 | 381 | 237 | |||
a) | Payments to and provisions for employees | 312 | 328 | 182 | 193 | 154 | 171 | 224 | 212 | |||
b) | Rent, taxes and lighting | 3 | 4 | 6 | 9 | 4 | 6 | 6 | 6 | |||
c) | Printing and stationery | 3 | 3 | 5 | 7 | 5 | 5 | 2 | 2 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 1 | 1 | 6 | 8 | 3 | 4 | 1 | 1 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | - | 1 | |||
h) | Law charges | - | - | - | - | - | - | - | - | |||
i) | Postage, telegrams, telephones, etc. | - | - | 3 | 4 | 2 | 2 | 1 | 1 | |||
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | 6 | 7 | - | - | |||
k) | Insurance | 3 | 6 | 6 | 5 | 4 | 5 | 3 | 4 | |||
l) | Other expenditure | 6 | 6 | 10 | 13 | 16 | 87 | 144 | 11 | |||
V. | Provisions and contingencies | 57 | 59 | 102 | 28 | - | 52 | - | 35 | |||
Total expenses* | 1064 | 1160 | 788 | 914 | 725 | 863 | 846 | 796 | ||||
VI. | Profit (loss) | -314 | -164 | 492 | 594 | 458 | 568 | -272 | -156 | |||
| Total (III+IV+V+VI) | 807 | 1055 | 1382 | 1536 | 1183 | 1484 | 574 | 675 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Sharda | Shekhawati | Shivalik Kshetriya | Shivpuri-Guna Kshetriya | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (321) | (322) | (323) | (324) | (325) | (326) | (327) | (328) | ||
Income | ||||||||||||
I. | Interest Earned | 1079 | 1262 | 2337 | 2840 | 1400 | 1670 | 1186 | 1421 | |||
a) | Interest/discount on advances/bills | 150 | 212 | 831 | 933 | 354 | 408 | 341 | 419 | |||
b) | Income on Investments | 311 | 347 | 855 | 1884 | 700 | 865 | 66 | 43 | |||
c) | Interest on balances with | 617 | 703 | 651 | 23 | 346 | 396 | 779 | 959 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||
II. | Other income | 37 | 42 | 96 | 118 | 56 | 42 | 41 | 148 | |||
a) | Commission, exchange and brokerage | 35 | 41 | 14 | 15 | 6 | 6 | 25 | 40 | |||
| b) | Other miscellaneous income | 2 | 1 | 82 | 103 | 50 | 36 | 15 | 108 | ||
Total (I+II) | 1115 | 1304 | 2432 | 2958 | 1456 | 1712 | 1226 | 1570 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 715 | 824 | 1687 | 1978 | 745 | 910 | 801 | 1025 | |||
a) | Interest on deposits | 689 | 793 | 1534 | 1829 | 684 | 833 | 749 | 976 | |||
b) | Interest on RBI/inter-bank borrowings | - | - | - | 1 | 60 | 76 | 52 | 49 | |||
c) | Others | 26 | 31 | 154 | 149 | 1 | 1 | - | - | |||
IV. | Operating expenses | 344 | 359 | 632 | 676 | 317 | 310 | 406 | 437 | |||
a) | Payments to and provisions for employees | 311 | 320 | 570 | 611 | 267 | 241 | 367 | 392 | |||
b) | Rent, taxes and lighting | 7 | 7 | 6 | 6 | 5 | 7 | 12 | 13 | |||
c) | Printing and stationery | 3 | 3 | 6 | 5 | 4 | 3 | 5 | 5 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 2 | 2 | 3 | 4 | 6 | 13 | 1 | 2 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 1 | 2 | 3 | 1 | 1 | 1 | 1 | |||
h) | Law charges | - | - | 3 | 3 | 5 | 3 | 1 | - | |||
i) | Postage, telegrams, telephones, etc. | 3 | 3 | 7 | 9 | 2 | 3 | 3 | 4 | |||
j) | Repairs and maintenance | - | - | 1 | 1 | - | 1 | 2 | 1 | |||
k) | Insurance | 5 | 6 | 1 | 1 | - | 1 | 5 | 6 | |||
l) | Other expenditure | 14 | 17 | 33 | 33 | 27 | 38 | 9 | 12 | |||
V. | Provisions and contingencies | 2 | 5 | - | 47 | -11 | -13 | - | 13 | |||
Total expenses* | 1059 | 1183 | 2319 | 2655 | 1062 | 1220 | 1207 | 1462 | ||||
VI. | Profit (loss) | 53 | 115 | 113 | 256 | 405 | 504 | 20 | 95 | |||
| Total (III+IV+V+VI) | 1115 | 1304 | 2432 | 2958 | 1456 | 1712 | 1226 | 1570 |