Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 4 of 8) - आरबीआई - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 4 of 8)
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Hindon |
Hissar-Sirsa |
Howrah |
Indore Ujjain |
Jaipur Nagaur |
Jammu Rural |
|||||||
Gramin Bank |
Kshetriya |
Gramin Bank |
Gramin Bank |
Anchalik |
Bank |
||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(145) |
(146) |
(147) |
(148) |
(149) |
(150) |
(151) |
(152) |
(153) |
(154) |
(155) |
(156) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
496 |
571 |
1312 |
1505 |
2467 |
2948 |
761 |
883 |
4467 |
4874 |
3768 |
4646 |
a) Interest/discount on advances/bills |
123 |
167 |
630 |
822 |
411 |
433 |
356 |
376 |
1085 |
1208 |
491 |
550 |
|
b) Income on Investments |
365 |
395 |
245 |
210 |
1410 |
1319 |
160 |
113 |
2150 |
1973 |
0 |
0 |
|
c) Interest on balances with |
0 |
0 |
437 |
472 |
646 |
1196 |
246 |
395 |
1232 |
1694 |
3112 |
3930 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
8 |
9 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
165 |
166 |
|
II. |
Other income |
31 |
41 |
32 |
57 |
115 |
167 |
96 |
21 |
166 |
136 |
13 |
15 |
a) Commission, exchange and brokerage |
5 |
3 |
7 |
7 |
95 |
52 |
6 |
5 |
34 |
37 |
9 |
10 |
|
b) Other miscellaneous income |
27 |
37 |
25 |
50 |
20 |
115 |
91 |
16 |
133 |
99 |
4 |
4 |
|
|
|||||||||||||
Total (I+II) |
528 |
611 |
1343 |
1562 |
2582 |
3115 |
858 |
904 |
4634 |
5011 |
3781 |
4661 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
258 |
291 |
789 |
877 |
1926 |
2279 |
533 |
634 |
2873 |
3255 |
2505 |
3141 |
a) Interest on deposits |
230 |
263 |
627 |
710 |
1851 |
2207 |
449 |
539 |
2692 |
3034 |
2373 |
2979 |
|
b) Interest on RBI/inter-bank borrowings |
28 |
4 |
4 |
20 |
74 |
72 |
84 |
95 |
181 |
222 |
0 |
0 |
|
c) Others |
0 |
25 |
157 |
146 |
0 |
0 |
0 |
0 |
0 |
0 |
132 |
162 |
|
IV. |
Operating expenses |
106 |
120 |
290 |
333 |
443 |
487 |
208 |
219 |
903 |
1127 |
604 |
756 |
a) Payments to and provisions for employees |
86 |
99 |
249 |
255 |
378 |
412 |
175 |
187 |
804 |
1022 |
527 |
668 |
|
b) Rent, taxes and lighting |
3 |
3 |
9 |
11 |
19 |
21 |
9 |
10 |
19 |
20 |
14 |
13 |
|
c) Printing and stationery |
1 |
2 |
3 |
4 |
8 |
11 |
4 |
3 |
12 |
17 |
8 |
8 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
|
e) Depreciation on Bank's property |
2 |
3 |
4 |
6 |
5 |
6 |
2 |
3 |
6 |
4 |
6 |
8 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
0 |
1 |
1 |
1 |
1 |
2 |
1 |
1 |
2 |
3 |
2 |
2 |
|
h) Law charges |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
3 |
3 |
|
i) Postage, telegrams, telephones, etc. |
3 |
2 |
3 |
3 |
3 |
4 |
2 |
2 |
11 |
11 |
4 |
5 |
|
j) Repairs and maintenance |
0 |
1 |
1 |
2 |
2 |
2 |
1 |
1 |
1 |
1 |
1 |
1 |
|
k) Insurance |
2 |
3 |
7 |
6 |
10 |
11 |
6 |
2 |
4 |
2 |
14 |
17 |
|
l) Other expenditure |
7 |
7 |
14 |
44 |
16 |
18 |
10 |
11 |
42 |
47 |
25 |
30 |
|
V. |
Provisions and contingencies |
54 |
-3 |
6 |
0 |
184 |
227 |
7 |
49 |
29 |
92 |
140 |
1 |
Total expenses* |
364 |
412 |
1079 |
1209 |
2368 |
2766 |
741 |
853 |
3776 |
4382 |
3109 |
3897 |
|
VI. |
Profit /loss |
110 |
203 |
258 |
353 |
30 |
122 |
110 |
2 |
828 |
537 |
532 |
762 |
|
|||||||||||||
Total (III+IV+V+VI) |
528 |
611 |
1343 |
1562 |
2582 |
3115 |
858 |
904 |
4634 |
5011 |
3781 |
4661 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Jamnagar |
Jamuna |
Jhabua Dhar |
Junagadh |
Ka Bank |
Kakathiya |
|||||||
Gramin Bank |
Gramin Bank |
Kshetriya |
Amreli |
Nongkyndong |
Gramin Bank |
||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(157) |
(158) |
(159) |
(160) |
(161) |
(162) |
(163) |
(164) |
(165) |
(166) |
(167) |
(168) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1801 |
2176 |
1796 |
1816 |
1341 |
1675 |
973 |
1057 |
1344 |
1391 |
1174 |
1590 |
a) Interest/discount on advances/bills |
716 |
1084 |
670 |
556 |
787 |
956 |
335 |
396 |
192 |
215 |
684 |
982 |
|
b) Income on Investments |
508 |
599 |
370 |
442 |
92 |
95 |
343 |
373 |
524 |
578 |
31 |
32 |
|
c) Interest on balances with |
577 |
494 |
756 |
818 |
462 |
623 |
295 |
288 |
628 |
597 |
459 |
576 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
35 |
42 |
58 |
52 |
74 |
76 |
24 |
27 |
10 |
10 |
76 |
104 |
a) Commission, exchange and brokerage |
35 |
42 |
21 |
21 |
12 |
14 |
13 |
15 |
7 |
9 |
30 |
34 |
|
b) Other miscellaneous income |
0 |
0 |
37 |
31 |
62 |
62 |
11 |
12 |
4 |
1 |
47 |
70 |
|
|
|||||||||||||
Total (I+II) |
1836 |
2219 |
1855 |
1868 |
1415 |
1751 |
997 |
1084 |
1354 |
1401 |
1250 |
1694 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1198 |
1412 |
1218 |
1221 |
1042 |
1253 |
607 |
657 |
713 |
754 |
871 |
1165 |
a) Interest on deposits |
1016 |
1172 |
1086 |
1107 |
884 |
1029 |
507 |
546 |
649 |
701 |
745 |
1035 |
|
b) Interest on RBI/inter-bank borrowings |
180 |
235 |
21 |
22 |
159 |
223 |
76 |
78 |
64 |
54 |
127 |
130 |
|
c) Others |
3 |
4 |
112 |
92 |
0 |
2 |
24 |
33 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
337 |
342 |
295 |
316 |
539 |
555 |
192 |
196 |
244 |
302 |
323 |
342 |
a) Payments to and provisions for employees |
300 |
302 |
253 |
268 |
491 |
495 |
160 |
165 |
198 |
255 |
235 |
241 |
|
b) Rent, taxes and lighting |
10 |
11 |
12 |
14 |
13 |
14 |
5 |
5 |
13 |
14 |
13 |
12 |
|
c) Printing and stationery |
6 |
7 |
1 |
1 |
4 |
6 |
4 |
3 |
5 |
2 |
9 |
8 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
|
e) Depreciation on Bank's property |
3 |
3 |
4 |
11 |
2 |
5 |
1 |
1 |
2 |
5 |
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 |
1 |
1 |
1 |
1 |
1 |
3 |
0 |
1 |
1 |
1 |
1 |
1 |
|
h) Law charges |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
2 |
2 |
4 |
4 |
2 |
3 |
2 |
2 |
1 |
1 |
4 |
5 |
|
j) Repairs and maintenance |
0 |
0 |
0 |
1 |
2 |
2 |
0 |
0 |
0 |
0 |
1 |
2 |
|
k) Insurance |
5 |
7 |
0 |
0 |
7 |
9 |
4 |
4 |
4 |
5 |
10 |
6 |
|
l) Other expenditure |
10 |
8 |
18 |
16 |
15 |
16 |
16 |
14 |
20 |
19 |
41 |
48 |
|
V. |
Provisions and contingencies |
0 |
0 |
162 |
141 |
14 |
35 |
0 |
22 |
52 |
82 |
61 |
58 |
Total expenses* |
1535 |
1754 |
1513 |
1536 |
1581 |
1808 |
799 |
853 |
957 |
1057 |
1194 |
1507 |
|
VI. |
Profit /loss |
301 |
465 |
179 |
190 |
-180 |
-92 |
198 |
210 |
344 |
263 |
-4 |
129 |
|
|||||||||||||
Total (III+IV+V+VI) |
1836 |
2219 |
1855 |
1868 |
1415 |
1751 |
997 |
1084 |
1354 |
1401 |
1250 |
1694 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Kalahandi |
Kalpatharu |
Kamraz |
Kanakadurga |
Kanpur |
Kapurthala |
|||||||
Anchalika |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya |
Firozpur |
||||||||
Gramin Bank |
Gramin Bank |
Kshetriya |
|||||||||||
Gramin Bank |
|||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(169) |
(170) |
(171) |
(172) |
(173) |
(174) |
(175) |
(176) |
(177) |
(178) |
(179) |
(180) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1103 |
1366 |
1746 |
2011 |
1319 |
1702 |
888 |
966 |
3475 |
3770 |
983 |
1222 |
a) Interest/discount on advances/bills |
535 |
653 |
820 |
961 |
246 |
282 |
509 |
530 |
771 |
811 |
282 |
349 |
|
b) Income on Investments |
231 |
234 |
725 |
890 |
73 |
90 |
359 |
428 |
2600 |
2858 |
344 |
565 |
|
c) Interest on balances with |
337 |
479 |
18 |
18 |
1000 |
1330 |
19 |
8 |
104 |
101 |
357 |
307 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
183 |
142 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
25 |
20 |
186 |
362 |
51 |
33 |
35 |
31 |
309 |
151 |
63 |
109 |
a) Commission, exchange and brokerage |
0 |
0 |
117 |
139 |
8 |
9 |
8 |
8 |
58 |
72 |
4 |
8 |
|
b) Other miscellaneous income |
25 |
20 |
68 |
223 |
42 |
25 |
28 |
23 |
252 |
79 |
59 |
101 |
|
|
|||||||||||||
Total (I+II) |
1128 |
1386 |
1932 |
2373 |
1370 |
1735 |
923 |
996 |
3784 |
3921 |
1046 |
1330 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
620 |
816 |
1138 |
1310 |
965 |
1155 |
521 |
596 |
2283 |
2589 |
584 |
689 |
a) Interest on deposits |
472 |
607 |
952 |
1124 |
926 |
1095 |
401 |
469 |
2092 |
2396 |
532 |
620 |
|
b) Interest on RBI/inter-bank borrowings |
148 |
210 |
185 |
186 |
39 |
56 |
120 |
127 |
191 |
0 |
53 |
69 |
|
c) Others |
0 |
0 |
0 |
0 |
0 |
4 |
0 |
0 |
0 |
193 |
0 |
0 |
|
IV. |
Operating expenses |
449 |
468 |
529 |
559 |
630 |
576 |
173 |
204 |
773 |
965 |
273 |
343 |
a) Payments to and provisions for employees |
402 |
420 |
453 |
475 |
561 |
505 |
138 |
164 |
675 |
829 |
239 |
296 |
|
b) Rent, taxes and lighting |
11 |
12 |
17 |
23 |
13 |
13 |
8 |
8 |
21 |
26 |
5 |
7 |
|
c) Printing and stationery |
5 |
6 |
7 |
8 |
5 |
5 |
4 |
5 |
9 |
9 |
4 |
4 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
2 |
2 |
5 |
5 |
5 |
5 |
5 |
5 |
9 |
11 |
4 |
8 |
|
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 |
2 |
2 |
1 |
1 |
1 |
1 |
2 |
2 |
1 |
1 |
|
h) Law charges |
0 |
0 |
0 |
0 |
0 |
1 |
0 |
0 |
2 |
1 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
4 |
5 |
7 |
7 |
1 |
1 |
5 |
4 |
3 |
5 |
3 |
4 |
|
j) Repairs and maintenance |
1 |
1 |
5 |
3 |
1 |
1 |
2 |
2 |
1 |
1 |
1 |
1 |
|
k) Insurance |
6 |
4 |
6 |
11 |
8 |
9 |
2 |
2 |
15 |
17 |
1 |
1 |
|
l) Other expenditure |
18 |
17 |
26 |
24 |
36 |
35 |
8 |
13 |
37 |
63 |
14 |
20 |
|
V. |
Provisions and contingencies |
32 |
85 |
4 |
3 |
0 |
0 |
0 |
0 |
158 |
32 |
48 |
73 |
Total expenses* |
1068 |
1285 |
1667 |
1869 |
1595 |
1731 |
694 |
800 |
3056 |
3554 |
857 |
1032 |
|
VI. |
Profit /loss |
28 |
17 |
261 |
500 |
-225 |
4 |
228 |
197 |
569 |
335 |
141 |
225 |
|
|||||||||||||
Total (III+IV+V+VI) |
1128 |
1386 |
1932 |
2373 |
1370 |
1735 |
923 |
996 |
3784 |
3921 |
1046 |
1330 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Kashi |
Kisan |
Kolar |
Koraput |
Kosi |
Krishna |
|||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Panchabati |
Kshetriya |
Grameen Bank |
||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(181) |
(182) |
(183) |
(184) |
(185) |
(186) |
(187) |
(188) |
(189) |
(190) |
(191) |
(192) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
2700 |
3352 |
1082 |
1275 |
1724 |
1971 |
2041 |
2418 |
1962 |
2901 |
3688 |
4187 |
a) Interest/discount on advances/bills |
605 |
804 |
321 |
404 |
931 |
1094 |
875 |
922 |
474 |
710 |
2335 |
2679 |
|
b) Income on Investments |
1172 |
1587 |
148 |
187 |
787 |
872 |
1166 |
1405 |
32 |
75 |
813 |
844 |
|
c) Interest on balances with |
923 |
958 |
614 |
684 |
5 |
5 |
0 |
0 |
0 |
2115 |
541 |
664 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
3 |
0 |
0 |
0 |
0 |
0 |
91 |
1457 |
0 |
0 |
0 |
|
II. |
Other income |
78 |
163 |
34 |
82 |
114 |
120 |
37 |
25 |
208 |
368 |
137 |
104 |
a) Commission, exchange and brokerage |
41 |
35 |
19 |
26 |
65 |
37 |
0 |
0 |
55 |
146 |
95 |
103 |
|
b) Other miscellaneous income |
37 |
128 |
15 |
56 |
50 |
83 |
37 |
25 |
154 |
222 |
42 |
1 |
|
|
|||||||||||||
Total (I+II) |
2778 |
3515 |
1116 |
1357 |
1838 |
2091 |
2078 |
2443 |
2170 |
3269 |
3825 |
4290 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1855 |
2202 |
557 |
640 |
994 |
1104 |
1289 |
1543 |
1537 |
1899 |
2238 |
2464 |
a) Interest on deposits |
1792 |
2112 |
496 |
529 |
823 |
940 |
1040 |
1269 |
1481 |
1833 |
1669 |
1911 |
|
b) Interest on RBI/inter-bank borrowings |
1 |
1 |
61 |
59 |
170 |
163 |
249 |
0 |
56 |
65 |
0 |
552 |
|
c) Others |
62 |
89 |
0 |
52 |
0 |
0 |
0 |
274 |
0 |
0 |
568 |
1 |
|
IV. |
Operating expenses |
613 |
628 |
371 |
401 |
472 |
509 |
653 |
698 |
1067 |
1116 |
748 |
778 |
a) Payments to and provisions for employees |
511 |
524 |
331 |
357 |
411 |
435 |
607 |
649 |
942 |
968 |
647 |
665 |
|
b) Rent, taxes and lighting |
16 |
21 |
8 |
10 |
16 |
17 |
12 |
13 |
16 |
18 |
18 |
19 |
|
c) Printing and stationery |
7 |
4 |
5 |
4 |
7 |
7 |
10 |
10 |
10 |
13 |
11 |
10 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
|
e) Depreciation on Bank's property |
8 |
10 |
4 |
5 |
6 |
7 |
5 |
5 |
6 |
6 |
5 |
6 |
|
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 |
1 |
1 |
2 |
2 |
2 |
2 |
2 |
4 |
3 |
3 |
|
h) Law charges |
1 |
1 |
0 |
1 |
1 |
1 |
0 |
1 |
0 |
1 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
3 |
4 |
3 |
3 |
8 |
7 |
5 |
4 |
3 |
4 |
6 |
6 |
|
j) Repairs and maintenance |
2 |
2 |
1 |
2 |
2 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
|
k) Insurance |
14 |
16 |
0 |
0 |
6 |
7 |
4 |
7 |
11 |
14 |
11 |
16 |
|
l) Other expenditure |
48 |
43 |
17 |
20 |
14 |
26 |
8 |
6 |
75 |
87 |
46 |
50 |
|
V. |
Provisions and contingencies |
47 |
105 |
112 |
114 |
61 |
90 |
34 |
24 |
0 |
2 |
226 |
85 |
Total expenses* |
2468 |
2830 |
928 |
1041 |
1466 |
1613 |
1943 |
2241 |
2604 |
3015 |
2985 |
3241 |
|
VI. |
Profit /loss |
263 |
580 |
76 |
203 |
311 |
388 |
102 |
178 |
-434 |
252 |
614 |
964 |
|
|||||||||||||
Total (III+IV+V+VI) |
2778 |
3515 |
1116 |
1357 |
1838 |
2091 |
2078 |
2443 |
2170 |
3269 |
3825 |
4290 |
|
|
|||||||||||||
*: Excluding `Provisions and Contingencies' |
|||||||||||||
Source : Annual accounts of banks of respective years. |