Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 3 of 8) - आरबीआई - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 3 of 8)
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Dungarpur- |
Durg |
Ellaquai Dehati |
Etah |
Etawah |
Faizabad |
|||||||
Banswara |
Rajnandgaon |
Gramin Bank |
Gramin Bank |
Kshetriya |
Kshetriya |
||||||||
Kshetriya |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||||||
Gramin Bank |
|||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(97) |
(98) |
(99) |
(100) |
(101) |
(102) |
(103) |
(104) |
(105) |
(106) |
(107) |
(108) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
687 |
773 |
2603 |
2896 |
767 |
867 |
1806 |
1965 |
1145 |
1278 |
2081 |
2492 |
a) Interest/discount on advances/bills |
281 |
344 |
575 |
476 |
146 |
119 |
788 |
800 |
358 |
305 |
423 |
539 |
|
b) Income on Investments |
105 |
100 |
1315 |
1625 |
0 |
0 |
240 |
285 |
95 |
9 |
349 |
354 |
|
c) Interest on balances with |
274 |
305 |
712 |
795 |
621 |
748 |
777 |
880 |
691 |
964 |
0 |
0 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
26 |
25 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1309 |
1599 |
|
II. |
Other income |
48 |
51 |
107 |
81 |
14 |
13 |
76 |
84 |
41 |
40 |
49 |
90 |
a) Commission, exchange and brokerage |
14 |
18 |
32 |
30 |
14 |
13 |
63 |
68 |
12 |
12 |
19 |
21 |
|
b) Other miscellaneous income |
34 |
34 |
75 |
51 |
0 |
0 |
13 |
16 |
29 |
28 |
30 |
69 |
|
|
|||||||||||||
Total (I+II) |
735 |
824 |
2710 |
2977 |
781 |
880 |
1882 |
2049 |
1185 |
1318 |
2129 |
2582 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
485 |
557 |
1721 |
1896 |
821 |
926 |
1149 |
1302 |
632 |
699 |
1232 |
1415 |
a) Interest on deposits |
433 |
508 |
1610 |
1809 |
813 |
916 |
998 |
1171 |
580 |
658 |
1144 |
1332 |
|
b) Interest on RBI/inter-bank borrowings |
0 |
0 |
111 |
87 |
0 |
0 |
150 |
131 |
52 |
41 |
0 |
0 |
|
c) Others |
52 |
50 |
0 |
0 |
8 |
10 |
0 |
0 |
0 |
0 |
88 |
83 |
|
IV. |
Operating expenses |
231 |
241 |
636 |
725 |
607 |
591 |
409 |
431 |
287 |
305 |
468 |
577 |
a) Payments to and provisions for employees |
191 |
203 |
545 |
629 |
556 |
544 |
364 |
382 |
257 |
269 |
373 |
473 |
|
b) Rent, taxes and lighting |
7 |
8 |
17 |
19 |
12 |
13 |
12 |
12 |
5 |
6 |
9 |
11 |
|
c) Printing and stationery |
3 |
3 |
11 |
12 |
2 |
4 |
3 |
3 |
2 |
2 |
6 |
7 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
3 |
3 |
6 |
7 |
2 |
3 |
3 |
3 |
2 |
2 |
4 |
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 |
2 |
3 |
3 |
1 |
1 |
1 |
2 |
1 |
1 |
1 |
2 |
|
h) Law charges |
1 |
0 |
1 |
0 |
1 |
1 |
0 |
0 |
1 |
2 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
3 |
3 |
7 |
7 |
1 |
2 |
7 |
7 |
3 |
3 |
3 |
3 |
|
j) Repairs and maintenance |
0 |
1 |
3 |
1 |
1 |
0 |
2 |
2 |
0 |
1 |
0 |
0 |
|
k) Insurance |
3 |
4 |
24 |
28 |
10 |
3 |
1 |
1 |
5 |
7 |
8 |
12 |
|
l) Other expenditure |
20 |
15 |
19 |
17 |
23 |
20 |
16 |
20 |
11 |
12 |
64 |
66 |
|
V. |
Provisions and contingencies |
12 |
22 |
131 |
205 |
-147 |
0 |
71 |
94 |
56 |
0 |
0 |
0 |
Total expenses* |
716 |
798 |
2357 |
2620 |
1428 |
1517 |
1558 |
1733 |
919 |
1004 |
1700 |
1992 |
|
VI. |
Profit /loss |
6 |
4 |
221 |
152 |
-500 |
-639 |
252 |
221 |
210 |
314 |
429 |
590 |
|
|||||||||||||
Total (III+IV+V+VI) |
735 |
824 |
2710 |
2977 |
781 |
880 |
1882 |
2049 |
1185 |
1318 |
2129 |
2582 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Faridkot Bhatinda |
Farrukhabad |
Fatehpur |
Ganga Yamuna |
Gaur |
Giridih |
|||||||
Kshetriya |
Gramin Bank |
Kshetriya |
Gramin Bank |
Gramin Bank |
Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(109) |
(110) |
(111) |
(112) |
(113) |
(114) |
(115) |
(116) |
(117) |
(118) |
(119) |
(120) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
713 |
713 |
2871 |
3155 |
1259 |
1439 |
191 |
213 |
3081 |
3672 |
655 |
837 |
a) Interest/discount on advances/bills |
291 |
291 |
627 |
690 |
280 |
335 |
191 |
213 |
1193 |
1527 |
161 |
258 |
|
b) Income on Investments |
172 |
172 |
429 |
402 |
227 |
295 |
0 |
0 |
1240 |
1357 |
163 |
168 |
|
c) Interest on balances with |
250 |
250 |
19 |
24 |
752 |
809 |
0 |
0 |
647 |
788 |
330 |
411 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
1796 |
2039 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
32 |
32 |
28 |
43 |
68 |
57 |
672 |
768 |
284 |
977 |
8 |
18 |
a) Commission, exchange and brokerage |
6 |
6 |
10 |
11 |
6 |
6 |
10 |
13 |
22 |
170 |
4 |
9 |
|
b) Other miscellaneous income |
27 |
27 |
17 |
32 |
61 |
50 |
662 |
755 |
262 |
807 |
5 |
9 |
|
|
|||||||||||||
Total (I+II) |
746 |
746 |
2899 |
3199 |
1327 |
1495 |
863 |
981 |
3365 |
4649 |
663 |
855 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
405 |
405 |
1614 |
1675 |
764 |
861 |
610 |
694 |
2804 |
3129 |
434 |
527 |
a) Interest on deposits |
349 |
349 |
1490 |
1562 |
693 |
785 |
568 |
654 |
2607 |
2962 |
404 |
499 |
|
b) Interest on RBI/inter-bank borrowings |
3 |
3 |
123 |
113 |
71 |
77 |
41 |
32 |
197 |
0 |
30 |
29 |
|
c) Others |
53 |
53 |
0 |
0 |
0 |
0 |
0 |
7 |
0 |
166 |
0 |
0 |
|
IV. |
Operating expenses |
146 |
146 |
640 |
684 |
420 |
441 |
185 |
197 |
1393 |
1411 |
138 |
268 |
a) Payments to and provisions for employees |
105 |
105 |
583 |
623 |
348 |
366 |
166 |
177 |
1139 |
1221 |
121 |
125 |
|
b) Rent, taxes and lighting |
8 |
8 |
9 |
10 |
6 |
8 |
5 |
6 |
31 |
35 |
3 |
3 |
|
c) Printing and stationery |
3 |
3 |
7 |
5 |
4 |
4 |
3 |
3 |
14 |
14 |
2 |
2 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
2 |
2 |
3 |
4 |
3 |
3 |
2 |
1 |
8 |
8 |
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 |
1 |
3 |
1 |
1 |
0 |
1 |
3 |
3 |
0 |
0 |
|
h) Law charges |
0 |
0 |
0 |
1 |
1 |
1 |
1 |
0 |
0 |
1 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
2 |
2 |
0 |
1 |
1 |
1 |
0 |
0 |
3 |
3 |
1 |
1 |
|
j) Repairs and maintenance |
0 |
0 |
1 |
1 |
5 |
6 |
0 |
0 |
1 |
1 |
0 |
0 |
|
k) Insurance |
2 |
2 |
12 |
12 |
1 |
0 |
2 |
3 |
20 |
19 |
3 |
4 |
|
l) Other expenditure |
23 |
23 |
23 |
24 |
50 |
49 |
7 |
5 |
174 |
107 |
6 |
132 |
|
V. |
Provisions and contingencies |
26 |
26 |
24 |
218 |
72 |
61 |
0 |
0 |
0 |
0 |
28 |
0 |
Total expenses* |
551 |
551 |
2254 |
2359 |
1185 |
1302 |
794 |
891 |
4197 |
4540 |
571 |
795 |
|
VI. |
Profit /loss |
170 |
170 |
621 |
622 |
71 |
133 |
69 |
91 |
-832 |
110 |
64 |
60 |
|
|||||||||||||
Total (III+IV+V+VI) |
746 |
746 |
2899 |
3199 |
1327 |
1495 |
863 |
981 |
3365 |
4649 |
663 |
855 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Godavari |
Golconda |
Gomti |
Gopalganj |
Gorakhpur |
Gurdaspur |
|||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya |
Kshetriya |
Amritsar |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(121) |
(122) |
(123) |
(124) |
(125) |
(126) |
(127) |
(128) |
(129) |
(130) |
(131) |
(132) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1005 |
1151 |
1352 |
1611 |
3440 |
4134 |
1832 |
2131 |
10938 |
11885 |
1945 |
2469 |
a) Interest/discount on advances/bills |
607 |
624 |
940 |
405 |
753 |
1087 |
184 |
194 |
1667 |
2189 |
487 |
644 |
|
b) Income on Investments |
172 |
324 |
131 |
0 |
1443 |
1874 |
1631 |
1905 |
9184 |
9602 |
870 |
1132 |
|
c) Interest on balances with |
225 |
203 |
280 |
1206 |
1244 |
1173 |
17 |
32 |
87 |
95 |
588 |
694 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
28 |
40 |
28 |
33 |
34 |
42 |
27 |
66 |
134 |
183 |
94 |
240 |
a) Commission, exchange and brokerage |
10 |
11 |
28 |
33 |
21 |
25 |
6 |
8 |
128 |
176 |
23 |
30 |
|
b) Other miscellaneous income |
19 |
29 |
0 |
0 |
13 |
17 |
21 |
58 |
6 |
7 |
71 |
210 |
|
|
|||||||||||||
Total (I+II) |
1033 |
1191 |
1380 |
1644 |
3474 |
4176 |
1859 |
2197 |
11072 |
12068 |
2038 |
2709 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
676 |
800 |
1026 |
1209 |
2219 |
2570 |
1091 |
1249 |
6328 |
6878 |
1065 |
1337 |
a) Interest on deposits |
555 |
680 |
325 |
408 |
2054 |
2417 |
1065 |
1224 |
5843 |
6331 |
970 |
1221 |
|
b) Interest on RBI/inter-bank borrowings |
120 |
119 |
677 |
55 |
165 |
154 |
25 |
25 |
484 |
547 |
90 |
109 |
|
c) Others |
0 |
1 |
24 |
747 |
0 |
0 |
0 |
0 |
0 |
0 |
4 |
7 |
|
IV. |
Operating expenses |
175 |
212 |
127 |
219 |
656 |
1087 |
313 |
324 |
1792 |
2203 |
396 |
475 |
a) Payments to and provisions for employees |
136 |
164 |
104 |
191 |
528 |
638 |
268 |
289 |
1496 |
1914 |
340 |
394 |
|
b) Rent, taxes and lighting |
10 |
10 |
7 |
7 |
12 |
13 |
5 |
6 |
59 |
72 |
10 |
13 |
|
c) Printing and stationery |
4 |
5 |
3 |
5 |
12 |
7 |
2 |
3 |
16 |
16 |
6 |
11 |
|
d) Advertisement and publicity |
2 |
1 |
0 |
0 |
1 |
1 |
1 |
0 |
0 |
0 |
0 |
1 |
|
e) Depreciation on Bank's property |
5 |
8 |
3 |
3 |
7 |
10 |
3 |
3 |
8 |
12 |
8 |
17 |
|
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 |
3 |
3 |
1 |
1 |
5 |
5 |
2 |
2 |
|
h) Law charges |
1 |
1 |
0 |
0 |
1 |
1 |
0 |
0 |
1 |
3 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
3 |
4 |
1 |
1 |
4 |
3 |
1 |
1 |
11 |
11 |
3 |
4 |
|
j) Repairs and maintenance |
2 |
4 |
2 |
1 |
2 |
4 |
1 |
1 |
3 |
4 |
1 |
1 |
|
k) Insurance |
4 |
0 |
3 |
3 |
0 |
1 |
25 |
12 |
79 |
81 |
8 |
10 |
|
l) Other expenditure |
8 |
14 |
4 |
7 |
85 |
405 |
7 |
7 |
112 |
85 |
19 |
23 |
|
V. |
Provisions and contingencies |
23 |
93 |
0 |
34 |
324 |
125 |
6 |
173 |
283 |
127 |
86 |
34 |
Total expenses* |
850 |
1012 |
1153 |
1428 |
2875 |
3657 |
1404 |
1573 |
8119 |
9081 |
1461 |
1813 |
|
VI. |
Profit /loss |
159 |
87 |
227 |
182 |
275 |
394 |
449 |
450 |
2670 |
2860 |
491 |
862 |
|
|||||||||||||
Total (III+IV+V+VI) |
1033 |
1191 |
1380 |
1644 |
3474 |
4176 |
1859 |
2197 |
11072 |
12068 |
2038 |
2709 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Gurgaon |
Gwalior Datia |
Hadoti |
Haryana |
Hazaribagh |
Himachal |
|||||||
Gramin Bank |
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 |
||
|
|||||||||||||
(133) |
(134) |
(135) |
(136) |
(137) |
(138) |
(139) |
(140) |
(141) |
(142) |
(143) |
(144) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
6215 |
7231 |
908 |
1119 |
1932 |
2165 |
2653 |
3038 |
946 |
1103 |
4103 |
4749 |
a) Interest/discount on advances/bills |
2113 |
2924 |
210 |
303 |
904 |
921 |
1318 |
1629 |
174 |
201 |
988 |
1197 |
|
b) Income on Investments |
4102 |
1501 |
57 |
89 |
95 |
53 |
502 |
491 |
516 |
623 |
2291 |
2388 |
|
c) Interest on balances with |
0 |
2806 |
394 |
396 |
934 |
1190 |
0 |
919 |
255 |
279 |
822 |
1162 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
247 |
331 |
0 |
0 |
832 |
0 |
0 |
1 |
2 |
2 |
|
II. |
Other income |
175 |
336 |
16 |
58 |
123 |
138 |
68 |
96 |
6 |
22 |
51 |
250 |
a) Commission, exchange and brokerage |
22 |
38 |
5 |
7 |
39 |
48 |
40 |
43 |
3 |
5 |
21 |
24 |
|
b) Other miscellaneous income |
153 |
298 |
11 |
51 |
84 |
90 |
29 |
54 |
3 |
16 |
30 |
226 |
|
|
|||||||||||||
Total (I+II) |
6390 |
7566 |
924 |
1177 |
2055 |
2303 |
2721 |
3135 |
952 |
1125 |
4154 |
4998 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
3576 |
3897 |
675 |
867 |
1356 |
1563 |
1931 |
2019 |
543 |
637 |
2890 |
3446 |
a) Interest on deposits |
3157 |
3478 |
387 |
491 |
1156 |
1347 |
1694 |
1852 |
499 |
593 |
2746 |
3311 |
|
b) Interest on RBI/inter-bank borrowings |
0 |
419 |
40 |
44 |
200 |
215 |
0 |
167 |
44 |
44 |
1 |
1 |
|
c) Others |
419 |
0 |
247 |
331 |
0 |
0 |
237 |
0 |
0 |
0 |
143 |
134 |
|
IV. |
Operating expenses |
1214 |
1446 |
189 |
160 |
502 |
538 |
640 |
754 |
141 |
167 |
860 |
944 |
a) Payments to and provisions for employees |
1068 |
1283 |
123 |
132 |
432 |
462 |
578 |
615 |
119 |
144 |
766 |
822 |
|
b) Rent, taxes and lighting |
35 |
46 |
5 |
6 |
15 |
19 |
11 |
14 |
4 |
4 |
21 |
24 |
|
c) Printing and stationery |
12 |
13 |
3 |
3 |
6 |
6 |
8 |
9 |
2 |
2 |
9 |
9 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
13 |
16 |
1 |
3 |
6 |
9 |
4 |
6 |
2 |
2 |
9 |
14 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
3 |
3 |
0 |
1 |
2 |
2 |
1 |
4 |
0 |
1 |
2 |
3 |
|
h) Law charges |
2 |
2 |
0 |
0 |
1 |
1 |
1 |
0 |
0 |
0 |
1 |
1 |
|
i) Postage, telegrams, telephones, etc. |
8 |
12 |
1 |
2 |
4 |
4 |
3 |
4 |
1 |
1 |
10 |
11 |
|
j) Repairs and maintenance |
3 |
3 |
0 |
0 |
1 |
1 |
1 |
1 |
0 |
1 |
2 |
4 |
|
k) Insurance |
24 |
22 |
1 |
1 |
10 |
12 |
15 |
9 |
0 |
1 |
17 |
22 |
|
l) Other expenditure |
47 |
45 |
54 |
13 |
25 |
23 |
19 |
91 |
12 |
12 |
22 |
35 |
|
V. |
Provisions and contingencies |
92 |
15 |
0 |
0 |
0 |
0 |
0 |
0 |
6 |
7 |
0 |
45 |
Total expenses* |
4790 |
5343 |
863 |
1027 |
1858 |
2101 |
2571 |
2773 |
684 |
804 |
3750 |
4390 |
|
VI. |
Profit /loss |
1507 |
2209 |
61 |
151 |
197 |
201 |
150 |
362 |
263 |
313 |
404 |
563 |
|
|||||||||||||
Total (III+IV+V+VI) |
6390 |
7566 |
924 |
1177 |
2055 |
2303 |
2721 |
3135 |
952 |
1125 |
4154 |
4998 |
|
|
|||||||||||||
*: Excluding `Provisions and Contingencies' |
|||||||||||||
Source : Annual accounts of banks of respective years. |