Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 3 of 12) - आरबीआई - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 3 of 12)
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Bundi-Chittor Kshetriya | Cachar | Cauvery | Chaitanya | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (65) | (66) | (67) | (68) | (69) | (70) | (71) | (72) | ||
Income | ||||||||||||
I. | Interest Earned | 1097 | 1407 | 707 | 900 | 2213 | 2655 | 1281 | 1520 | |||
a) | Interest/discount on advances/bills | 562 | 752 | 143 | 215 | 1419 | 1682 | 797 | 931 | |||
b) | Income on Investments | 29 | 138 | 564 | 573 | 362 | 398 | 94 | 140 | |||
c) | Interest on balances with | 506 | 517 | - | 112 | 433 | 576 | 390 | 449 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||
II. | Other income | 43 | 54 | 171 | 59 | 150 | 188 | 172 | 132 | |||
a) | Commission, exchange and brokerage | 8 | 11 | 16 | 23 | 135 | 171 | 41 | 41 | |||
b) | Other miscellaneous income | 35 | 44 | 155 | 36 | 16 | 17 | 131 | 91 | |||
Total (I+II) | 1140 | 1461 | 878 | 960 | 2363 | 2843 | 1453 | 1652 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 783 | 1010 | 465 | 588 | 1449 | 1799 | 824 | 1001 | |||
a) | Interest on deposits | 643 | 800 | 428 | 561 | 1172 | 1468 | 687 | 842 | |||
b) | Interest on RBI/inter-bank borrowings | 6 | 8 | 37 | 27 | 276 | 331 | 32 | 42 | |||
c) | Others | 134 | 202 | - | - | - | - | 105 | 118 | |||
IV. | Operating expenses | 351 | 375 | 320 | 239 | 785 | 805 | 322 | 424 | |||
a) | Payments to and provisions for employees | 317 | 334 | 282 | 201 | 668 | 722 | 278 | 310 | |||
b) | Rent, taxes and lighting | 8 | 9 | 7 | 9 | 13 | 16 | 11 | 12 | |||
c) | Printing and stationery | 4 | 4 | 3 | 4 | 9 | 10 | 6 | 6 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 3 | 3 | 2 | 2 | 3 | 5 | 3 | 5 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 2 | - | 1 | 2 | 3 | 1 | 1 | |||
h) | Law charges | - | - | - | - | 1 | 1 | 1 | 1 | |||
i) | Postage, telegrams, telephones, etc. | 2 | 3 | 1 | 2 | 9 | 11 | 4 | 4 | |||
j) | Repairs and maintenance | 1 | 1 | 2 | 1 | 2 | 1 | 2 | 2 | |||
k) | Insurance | 2 | 5 | - | - | - | 1 | 6 | 7 | |||
l) | Other expenditure | 13 | 14 | 21 | 19 | 79 | 36 | 9 | 76 | |||
V. | Provisions and contingencies | -30 | 26 | - | - | 28 | 37 | 37 | - | |||
Total expenses* | 1133 | 1386 | 786 | 827 | 2233 | 2605 | 1146 | 1425 | ||||
VI. | Profit (loss) | 36 | 49 | 92 | 133 | 102 | 202 | 269 | 226 | |||
| Total (III+IV+V+VI) | 1140 | 1461 | 878 | 960 | 2363 | 2843 | 1453 | 1652 |
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Chambal Kshetriya | Champaran Kshetriya | Chandrapur Gadchiroli | Chhatrasal | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (73) | (74) | (75) | (76) | (77) | (78) | (79) | (80) | ||
Income | ||||||||||||
I. | Interest Earned | 739 | 1075 | 1068 | 1321 | 560 | 1027 | 1314 | .. | |||
a) | Interest/discount on advances/bills | 405 | 529 | 282 | 392 | 221 | 401 | 269 | .. | |||
b) | Income on Investments | 46 | 44 | 4 | 3 | 176 | 246 | 312 | .. | |||
c) | Interest on balances with | 288 | 502 | 783 | 926 | 162 | 380 | 733 | .. | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | - | .. | |||
II. | Other income | 84 | 53 | 49 | 240 | 8 | 89 | 42 | .. | |||
a) | Commission, exchange and brokerage | 10 | 32 | 6 | 8 | 8 | 14 | 42 | .. | |||
b) | Other miscellaneous income | 75 | 20 | 43 | 231 | - | 75 | - | .. | |||
Total (I+II) | 824 | 1127 | 1118 | 1561 | 568 | 1116 | 1356 | .. | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 586 | 841 | 1125 | 1289 | 472 | 711 | 747 | .. | |||
a) | Interest on deposits | 561 | 755 | 1088 | 1236 | 440 | 661 | 680 | .. | |||
b) | Interest on RBI/inter-bank borrowings | 25 | 86 | 37 | 3 | 1 | - | 67 | .. | |||
c) | Others | - | - | - | 53 | 30 | 50 | - | .. | |||
IV. | Operating expenses | 214 | 227 | 791 | 859 | 258 | 360 | 453 | .. | |||
a) | Payments to and provisions for employees | 180 | 187 | 755 | 812 | 228 | 281 | 405 | .. | |||
b) | Rent, taxes and lighting | 7 | 8 | 11 | 11 | 7 | 8 | 8 | .. | |||
c) | Printing and stationery | 3 | 3 | 4 | 4 | 2 | 4 | 5 | .. | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | .. | |||
e) | Depreciation on Bank's property | 3 | 5 | 2 | 2 | 2 | 2 | 4 | .. | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | .. | |||
g) | Auditors' fees and expenses | - | 1 | 1 | 2 | 1 | 1 | 1 | .. | |||
h) | Law charges | - | - | - | - | 1 | - | 1 | .. | |||
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 1 | 1 | 1 | - | 4 | .. | |||
j) | Repairs and maintenance | - | 1 | - | - | 1 | - | 1 | .. | |||
k) | Insurance | 4 | 5 | 7 | 9 | 1 | 1 | 6 | .. | |||
l) | Other expenditure | 15 | 15 | 10 | 17 | 14 | 61 | 8 | .. | |||
V. | Provisions and contingencies | 7 | 9 | 130 | 10 | 21 | 8 | 34 | .. | |||
Total expenses* | 800 | 1067 | 1916 | 2149 | 730 | 1070 | 1200 | .. | ||||
VI. | Profit (loss) | 17 | 51 | -929 | -598 | -184 | 37 | 122 | .. | |||
| Total (III+IV+V+VI) | 824 | 1127 | 1118 | 1561 | 568 | 1116 | 1356 | .. | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Chhindwara Seoni Kshetriya | Chikmagalur Kodagu | Chitradurga | Cuttack | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (81) | (82) | (83) | (84) | (85) | (86) | (87) | (88) | ||
Income | ||||||||||||
I. | Interest Earned | 745 | 1028 | 1101 | 1298 | 1910 | 2173 | 1981 | 2329 | |||
a) | Interest/discount on advances/bills | 322 | 425 | 744 | 884 | 1171 | 1343 | 524 | 701 | |||
b) | Income on Investments | 399 | 538 | 119 | 131 | 305 | 383 | 369 | 405 | |||
c) | Interest on balances with | 24 | 65 | 238 | 283 | 434 | 447 | 1088 | 1221 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | - | 2 | |||
II. | Other income | 30 | 62 | 51 | 60 | 104 | 98 | 294 | 652 | |||
a) | Commission, exchange and brokerage | 25 | 47 | 10 | 14 | 18 | 23 | 10 | 17 | |||
b) | Other miscellaneous income | 5 | 75 | 41 | 47 | 86 | 75 | 284 | 635 | |||
Total (I+II) | 775 | 1090 | 1152 | 1358 | 2014 | 2271 | 2274 | 2981 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 598 | 705 | 605 | 732 | 1099 | 1375 | 1830 | 2155 | |||
a) | Interest on deposits | 582 | 686 | 462 | 566 | 841 | 1072 | 1692 | 2007 | |||
b) | Interest on RBI/inter-bank borrowings | 16 | 19 | 143 | 166 | 258 | 303 | 138 | 148 | |||
c) | Others | - | - | - | - | - | - | - | - | |||
IV. | Operating expenses | 325 | 350 | 283 | 276 | 591 | 653 | 903 | 1035 | |||
a) | Payments to and provisions for employees | 288 | 308 | 254 | 245 | 518 | 575 | 799 | 915 | |||
b) | Rent, taxes and lighting | 9 | 10 | 6 | 6 | 14 | 15 | 23 | 25 | |||
c) | Printing and stationery | 5 | 5 | 6 | 6 | 8 | 8 | 9 | 11 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 3 | 3 | 4 | 5 | 6 | 6 | 2 | 2 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 7 | 1 | 1 | 1 | 3 | 2 | 3 | |||
h) | Law charges | - | - | - | - | 1 | 1 | - | - | |||
i) | Postage, telegrams, telephones, etc. | 2 | 3 | 4 | 4 | 8 | 8 | 8 | 7 | |||
j) | Repairs and maintenance | - | - | 1 | 2 | 3 | 3 | 1 | 1 | |||
k) | Insurance | 1 | 1 | - | 3 | 5 | 7 | 20 | 13 | |||
l) | Other expenditure | 16 | 19 | 8 | 3 | 25 | 27 | 39 | 56 | |||
V. | Provisions and contingencies | 19 | 27 | 40 | 49 | 0 | 122 | - | - | |||
Total expenses* | 923 | 1055 | 888 | 1007 | 1690 | 2028 | 2733 | 3191 | ||||
VI. | Profit (loss) | -167 | 8 | 224 | 302 | 324 | 122 | -459 | -209 | |||
| Total (III+IV+V+VI) | 775 | - | 1152 | 1358 | 2014 | 2271 | 2274 | 2981 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Damoh Panna Sagar Kshetriya | Devipatan Kshetriya | Dewas Shajapur Kshetriya | Dhenkanal | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (89) | (90) | (91) | (92) | (93) | (94) | (95) | (96) | ||
Income | ||||||||||||
I. | Interest Earned | 1193 | 1481 | 2120 | 2527 | 1073 | 1338 | 1485 | 1847 | |||
a) | Interest/discount on advances/bills | 221 | 294 | 340 | 479 | 441 | 630 | 727 | 932 | |||
b) | Income on Investments | 972 | 1187 | 839 | 955 | 304 | 317 | 453 | 642 | |||
c) | Interest on balances with | - | - | 941 | 1094 | 328 | 391 | 304 | 274 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||
II. | Other income | 47 | 43 | 43 | 54 | 37 | 115 | 33 | 54 | |||
a) | Commission, exchange and brokerage | 24 | 28 | 21 | 28 | 7 | 9 | 9 | 20 | |||
b) | Other miscellaneous income | 22 | 15 | 21 | 26 | 29 | 105 | 24 | 34 | |||
Total (I+II) | 1240 | 1524 | 2163 | 2582 | 1110 | 1452 | 1518 | 1901 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 750 | 951 | 1006 | 1214 | 717 | 878 | 940 | 1234 | |||
a) | Interest on deposits | 701 | 891 | 949 | 1132 | 655 | 792 | 756 | 992 | |||
b) | Interest on RBI/inter-bank borrowings | 47 | 60 | 56 | 82 | 63 | 85 | 184 | 242 | |||
c) | Others | 1 | - | - | - | - | 1 | - | - | |||
IV. | Operating expenses | 416 | 445 | 672 | 610 | 345 | 364 | 287 | 324 | |||
a) | Payments to and provisions for employees | 375 | 383 | 533 | 557 | 307 | 317 | 245 | 272 | |||
b) | Rent, taxes and lighting | 9 | 10 | 11 | 14 | 8 | 10 | 6 | 9 | |||
c) | Printing and stationery | 4 | 3 | 5 | 6 | 3 | 4 | 8 | 8 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 1 | 1 | 3 | 7 | 3 | 2 | 5 | 7 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | - | - | 1 | 1 | 1 | 1 | 1 | 1 | |||
h) | Law charges | - | - | - | - | - | - | - | - | |||
i) | Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 4 | 3 | 2 | 4 | 4 | |||
j) | Repairs and maintenance | - | - | 2 | - | 1 | 1 | - | - | |||
k) | Insurance | 6 | 6 | 10 | 11 | 2 | 6 | 2 | 1 | |||
l) | Other expenditure | 18 | 38 | 104 | 9 | 17 | 20 | 16 | 22 | |||
V. | Provisions and contingencies | - | - | 81 | 49 | - | 95 | 145 | 163 | |||
Total expenses* | 1166 | 1396 | 1678 | 1824 | 1063 | 1242 | 1227 | 1558 | ||||
VI. | Profit (loss) | 74 | 128 | 404 | 709 | 47 | 115 | 145 | 180 | |||
| Total (III+IV+V+VI) | 1240 | 1524 | 2163 | 2582 | 1110 | 1452 | 1518 | 1901 |