Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 5 of 8) - आरबीआई - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 5 of 8)
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Kshetriya |
Kutch |
K.Kisan |
Lakhimi |
Langpi Dehangi |
Madhubani |
|||||||
Gramin Bank |
GramIn Bank |
Gramin Bank |
Gaonlia Bank |
Rural Bank |
Kshetriya |
||||||||
Gramin Bank |
|||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(193) |
(194) |
(195) |
(196) |
(197) |
(198) |
(199) |
(200) |
(201) |
(202) |
(203) |
(204) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
2035 |
2496 |
1442 |
1707 |
1007 |
1155 |
1738 |
2213 |
486 |
447 |
725 |
725 |
a) Interest/discount on advances/bills |
800 |
981 |
446 |
460 |
486 |
562 |
295 |
337 |
56 |
56 |
257 |
257 |
|
b) Income on Investments |
112 |
116 |
809 |
977 |
99 |
97 |
1234 |
1876 |
423 |
383 |
0 |
0 |
|
c) Interest on balances with |
1123 |
1399 |
187 |
271 |
423 |
497 |
0 |
0 |
0 |
0 |
469 |
469 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
209 |
0 |
7 |
8 |
0 |
0 |
|
II. |
Other income |
42 |
48 |
58 |
50 |
22 |
23 |
245 |
182 |
26 |
34 |
60 |
60 |
a) Commission, exchange and brokerage |
33 |
43 |
21 |
17 |
10 |
4 |
38 |
46 |
15 |
22 |
11 |
11 |
|
b) Other miscellaneous income |
9 |
4 |
37 |
33 |
12 |
19 |
207 |
136 |
11 |
11 |
50 |
50 |
|
|
|||||||||||||
Total (I+II) |
2077 |
2544 |
1500 |
1757 |
1029 |
1178 |
1983 |
2395 |
513 |
481 |
785 |
785 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1257 |
1524 |
939 |
1091 |
808 |
925 |
1081 |
1251 |
300 |
312 |
750 |
750 |
a) Interest on deposits |
1097 |
1357 |
838 |
961 |
713 |
835 |
1026 |
1208 |
285 |
300 |
720 |
720 |
|
b) Interest on RBI/inter-bank borrowings |
16 |
3 |
101 |
130 |
95 |
90 |
55 |
43 |
15 |
13 |
30 |
30 |
|
c) Others |
143 |
164 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
583 |
697 |
285 |
307 |
401 |
452 |
641 |
695 |
254 |
266 |
502 |
502 |
a) Payments to and provisions for employees |
519 |
619 |
251 |
269 |
360 |
383 |
568 |
603 |
218 |
229 |
474 |
474 |
|
b) Rent, taxes and lighting |
16 |
19 |
7 |
9 |
10 |
10 |
15 |
18 |
4 |
5 |
6 |
6 |
|
c) Printing and stationery |
6 |
9 |
4 |
5 |
3 |
4 |
7 |
8 |
4 |
4 |
3 |
3 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
5 |
6 |
7 |
7 |
4 |
4 |
3 |
4 |
1 |
2 |
2 |
2 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
2 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
2 |
2 |
0 |
1 |
0 |
2 |
1 |
1 |
1 |
1 |
1 |
1 |
|
h) Law charges |
1 |
1 |
0 |
0 |
1 |
2 |
0 |
0 |
0 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
3 |
3 |
3 |
3 |
1 |
1 |
2 |
3 |
0 |
0 |
1 |
1 |
|
j) Repairs and maintenance |
1 |
0 |
1 |
1 |
0 |
2 |
3 |
3 |
1 |
0 |
2 |
2 |
|
k) Insurance |
8 |
11 |
5 |
6 |
6 |
13 |
1 |
1 |
3 |
4 |
5 |
5 |
|
l) Other expenditure |
23 |
27 |
8 |
5 |
14 |
30 |
42 |
53 |
23 |
21 |
8 |
8 |
|
V. |
Provisions and contingencies |
85 |
116 |
0 |
0 |
-9 |
98 |
117 |
74 |
42 |
65 |
21 |
21 |
Total expenses* |
1841 |
2221 |
1225 |
1398 |
1209 |
1377 |
1722 |
1946 |
554 |
579 |
1253 |
1253 |
|
VI. |
Profit /loss |
151 |
206 |
275 |
359 |
-171 |
-297 |
144 |
375 |
-83 |
-163 |
-488 |
-488 |
|
|||||||||||||
Total (III+IV+V+VI) |
2077 |
2544 |
1500 |
1757 |
1029 |
1178 |
1983 |
2395 |
513 |
481 |
785 |
785 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Magadh |
Mahakaushal |
Malaprabha |
Mallabhum |
Malwa |
Mandla Balaghat |
|||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya |
||||||||
Gramin Bank |
|||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(205) |
(206) |
(207) |
(208) |
(209) |
(210) |
(211) |
(212) |
(213) |
(214) |
(215) |
(216) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
4536 |
5358 |
528 |
784 |
8089 |
9514 |
5440 |
6503 |
1290 |
1503 |
659 |
870 |
a) Interest/discount on advances/bills |
602 |
1007 |
71 |
137 |
5213 |
6434 |
1481 |
1817 |
531 |
585 |
119 |
179 |
|
b) Income on Investments |
3934 |
4351 |
9 |
9 |
1568 |
1642 |
1974 |
2241 |
293 |
242 |
36 |
48 |
|
c) Interest on balances with |
0 |
0 |
143 |
224 |
1309 |
1438 |
0 |
81 |
466 |
677 |
504 |
643 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
304 |
415 |
0 |
0 |
1985 |
2364 |
0 |
0 |
0 |
0 |
||
II. |
Other income |
603 |
679 |
49 |
67 |
422 |
521 |
358 |
261 |
38 |
30 |
17 |
50 |
a) Commission, exchange and brokerage |
8 |
10 |
16 |
20 |
87 |
124 |
358 |
261 |
21 |
20 |
11 |
19 |
|
b) Other miscellaneous income |
596 |
669 |
34 |
47 |
335 |
397 |
0 |
0 |
17 |
10 |
5 |
30 |
|
|
|||||||||||||
Total (I+II) |
5139 |
6037 |
577 |
851 |
8511 |
10035 |
5798 |
6764 |
1328 |
1533 |
676 |
919 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
2682 |
2995 |
574 |
781 |
4361 |
5285 |
4128 |
4869 |
711 |
803 |
480 |
556 |
a) Interest on deposits |
2562 |
2873 |
264 |
355 |
3285 |
4125 |
3977 |
4729 |
561 |
632 |
462 |
539 |
|
b) Interest on RBI/inter-bank borrowings |
3 |
3 |
6 |
10 |
1077 |
1160 |
0 |
0 |
150 |
171 |
18 |
17 |
|
c) Others |
118 |
119 |
304 |
415 |
0 |
0 |
151 |
139 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
1046 |
907 |
241 |
259 |
2260 |
2843 |
1580 |
1731 |
215 |
222 |
271 |
304 |
a) Payments to and provisions for employees |
961 |
818 |
220 |
238 |
1908 |
2396 |
1447 |
1588 |
184 |
184 |
240 |
269 |
|
b) Rent, taxes and lighting |
14 |
15 |
8 |
8 |
52 |
60 |
32 |
29 |
7 |
7 |
6 |
7 |
|
c) Printing and stationery |
7 |
8 |
2 |
2 |
24 |
27 |
11 |
13 |
2 |
3 |
3 |
3 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
4 |
5 |
2 |
1 |
30 |
55 |
4 |
5 |
2 |
3 |
1 |
1 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
4 |
3 |
1 |
1 |
6 |
7 |
4 |
4 |
1 |
1 |
1 |
1 |
|
h) Law charges |
1 |
1 |
0 |
0 |
1 |
2 |
1 |
1 |
0 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
6 |
7 |
1 |
1 |
28 |
27 |
1 |
4 |
1 |
2 |
1 |
1 |
|
j) Repairs and maintenance |
2 |
1 |
0 |
0 |
1 |
5 |
2 |
3 |
0 |
0 |
0 |
0 |
|
k) Insurance |
19 |
20 |
2 |
4 |
21 |
28 |
26 |
32 |
3 |
4 |
3 |
4 |
|
l) Other expenditure |
29 |
31 |
5 |
5 |
187 |
237 |
52 |
52 |
13 |
17 |
16 |
18 |
|
V. |
Provisions and contingencies |
788 |
727 |
2 |
1 |
41 |
327 |
46 |
-102 |
0 |
0 |
13 |
38 |
Total expenses* |
3728 |
3902 |
815 |
1040 |
6622 |
8128 |
5708 |
6599 |
926 |
1025 |
751 |
860 |
|
VI. |
VI. Profit /loss |
624 |
1408 |
-240 |
-190 |
1848 |
1580 |
44 |
266 |
402 |
509 |
-88 |
21 |
|
|||||||||||||
Total (III+IV+V+VI) |
5139 |
6037 |
577 |
851 |
8511 |
10035 |
5798 |
6764 |
1328 |
1533 |
676 |
919 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Manipur |
Manjira |
Marathwada |
Marudhar |
Marwar |
Mayurakshi |
|||||||
Rural Bank |
Gramin Bank |
Rural Bank |
Kshetriya |
Gramin Bank |
Gramin Bank |
||||||||
Gramin Bank |
|||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(217) |
(218) |
(219) |
(220) |
(221) |
(222) |
(223) |
(224) |
(225) |
(226) |
(227) |
(228) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
200 |
234 |
2664 |
3078 |
4446 |
4916 |
685 |
746 |
4903 |
5643 |
2151 |
2586 |
a) Interest/discount on advances/bills |
50 |
76 |
1467 |
1657 |
1944 |
1965 |
337 |
399 |
1602 |
1934 |
600 |
806 |
|
b) Income on Investments |
22 |
35 |
529 |
581 |
2286 |
2879 |
13 |
11 |
1782 |
1765 |
0 |
0 |
|
c) Interest on balances with |
128 |
123 |
668 |
840 |
6 |
4 |
0 |
0 |
1352 |
1765 |
803 |
997 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
210 |
67 |
335 |
336 |
166 |
178 |
748 |
784 |
|
II. |
Other income |
16 |
8 |
145 |
129 |
358 |
374 |
146 |
21 |
152 |
131 |
183 |
306 |
a) Commission, exchange and brokerage |
4 |
4 |
45 |
43 |
105 |
107 |
4 |
4 |
134 |
88 |
124 |
176 |
|
b) Other miscellaneous income |
12 |
4 |
100 |
87 |
253 |
267 |
142 |
17 |
17 |
43 |
59 |
130 |
|
|
|||||||||||||
Total (I+II) |
215 |
242 |
2809 |
3207 |
4804 |
5290 |
831 |
767 |
5055 |
5774 |
2334 |
2892 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
121 |
122 |
1638 |
1870 |
2676 |
2982 |
701 |
785 |
3779 |
4477 |
1992 |
1848 |
a) Interest on deposits |
105 |
110 |
1262 |
1469 |
2154 |
2480 |
611 |
684 |
3592 |
4337 |
1909 |
1781 |
|
b) Interest on RBI/inter-bank borrowings |
16 |
13 |
376 |
401 |
110 |
115 |
0 |
0 |
187 |
140 |
83 |
67 |
|
c) Others |
0 |
0 |
0 |
0 |
412 |
388 |
90 |
101 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
137 |
152 |
620 |
697 |
1676 |
1807 |
411 |
429 |
954 |
1010 |
741 |
819 |
a) Payments to and provisions for employees |
124 |
133 |
438 |
461 |
1467 |
1564 |
340 |
363 |
843 |
862 |
673 |
699 |
|
b) Rent, taxes and lighting |
4 |
4 |
16 |
17 |
36 |
40 |
7 |
7 |
16 |
20 |
12 |
14 |
|
c) Printing and stationery |
4 |
3 |
7 |
10 |
11 |
17 |
3 |
3 |
9 |
10 |
6 |
6 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
1 |
1 |
10 |
12 |
16 |
17 |
2 |
2 |
4 |
5 |
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 |
0 |
0 |
2 |
2 |
5 |
5 |
1 |
1 |
3 |
4 |
1 |
2 |
|
h) Law charges |
0 |
0 |
0 |
0 |
1 |
0 |
0 |
1 |
0 |
1 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
0 |
0 |
8 |
6 |
16 |
16 |
2 |
2 |
11 |
1 |
1 |
1 |
|
j) Repairs and maintenance |
0 |
0 |
2 |
2 |
0 |
0 |
0 |
0 |
1 |
12 |
0 |
1 |
|
k) Insurance |
1 |
1 |
9 |
11 |
15 |
19 |
4 |
4 |
1 |
2 |
21 |
33 |
|
l) Other expenditure |
2 |
8 |
128 |
175 |
109 |
129 |
51 |
47 |
65 |
94 |
23 |
60 |
|
V. |
Provisions and contingencies |
6 |
0 |
0 |
27 |
251 |
450 |
0 |
0 |
53 |
25 |
95 |
70 |
Total expenses* |
257 |
274 |
2258 |
2568 |
4352 |
4789 |
1112 |
1215 |
4733 |
5487 |
2732 |
2667 |
|
VI. |
Profit /loss |
-48 |
-32 |
551 |
612 |
201 |
51 |
-281 |
-448 |
268 |
262 |
-494 |
155 |
|
|||||||||||||
Total (III+IV+V+VI) |
215 |
242 |
2809 |
3207 |
4804 |
5290 |
831 |
767 |
5055 |
5774 |
2334 |
2892 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Mewar |
Mithila |
Mizoram |
Monghyr |
Murshidabad |
Muzaffarnagar |
|||||||
Anchalik |
Kshetriya |
Rural Bank |
Kshetriya |
Gramin Bank |
Gramin Bank |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(229) |
(230) |
(231) |
(232) |
(233) |
(234) |
(235) |
(236) |
(237) |
(238) |
(239) |
(240) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1759 |
1902 |
1091 |
1450 |
618 |
682 |
2242 |
2501 |
1089 |
1285 |
753 |
737 |
a) Interest/discount on advances/bills |
419 |
517 |
165 |
251 |
121 |
177 |
211 |
290 |
286 |
353 |
210 |
231 |
|
b) Income on Investments |
300 |
334 |
34 |
47 |
179 |
114 |
585 |
459 |
515 |
508 |
335 |
290 |
|
c) Interest on balances with |
939 |
943 |
893 |
1153 |
317 |
391 |
1446 |
1753 |
288 |
423 |
208 |
217 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
101 |
107 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
78 |
104 |
74 |
185 |
8 |
27 |
58 |
52 |
68 |
70 |
15 |
66 |
a) Commission, exchange and brokerage |
11 |
16 |
9 |
7 |
8 |
10 |
8 |
11 |
14 |
14 |
5 |
5 |
|
b) Other miscellaneous income |
67 |
88 |
64 |
177 |
0 |
16 |
49 |
41 |
53 |
56 |
10 |
60 |
|
|
|||||||||||||
Total (I+II) |
1837 |
2006 |
1165 |
1635 |
625 |
708 |
2299 |
2553 |
1157 |
1354 |
768 |
803 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1346 |
1592 |
927 |
1041 |
289 |
355 |
1702 |
1950 |
807 |
960 |
374 |
404 |
a) Interest on deposits |
1278 |
1518 |
914 |
1012 |
259 |
322 |
1668 |
1919 |
760 |
902 |
319 |
332 |
|
b) Interest on RBI/inter-bank borrowings |
4 |
4 |
13 |
29 |
31 |
33 |
33 |
31 |
46 |
57 |
17 |
31 |
|
c) Others |
64 |
70 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
39 |
42 |
|
IV. |
Operating expenses |
375 |
452 |
476 |
506 |
238 |
248 |
743 |
763 |
246 |
287 |
226 |
262 |
a) Payments to and provisions for employees |
309 |
382 |
441 |
465 |
194 |
201 |
683 |
715 |
201 |
240 |
196 |
223 |
|
b) Rent, taxes and lighting |
14 |
18 |
6 |
6 |
11 |
13 |
14 |
15 |
5 |
6 |
5 |
8 |
|
c) Printing and stationery |
4 |
5 |
3 |
4 |
4 |
4 |
3 |
5 |
4 |
3 |
2 |
2 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
8 |
9 |
2 |
2 |
2 |
2 |
2 |
2 |
1 |
2 |
3 |
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 |
1 |
1 |
2 |
1 |
1 |
2 |
2 |
1 |
1 |
1 |
1 |
|
h) Law charges |
1 |
1 |
0 |
0 |
0 |
0 |
2 |
1 |
0 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
6 |
5 |
1 |
1 |
1 |
2 |
2 |
2 |
1 |
1 |
2 |
2 |
|
j) Repairs and maintenance |
0 |
1 |
2 |
1 |
3 |
2 |
1 |
1 |
1 |
1 |
1 |
0 |
|
k) Insurance |
4 |
7 |
1 |
1 |
2 |
5 |
12 |
13 |
5 |
6 |
4 |
4 |
|
l) Other expenditure |
28 |
24 |
18 |
24 |
18 |
18 |
24 |
7 |
27 |
28 |
13 |
18 |
|
V. |
Provisions and contingencies |
15 |
22 |
25 |
14 |
64 |
85 |
-75 |
122 |
77 |
52 |
55 |
0 |
Total expenses* |
1721 |
2044 |
1402 |
1547 |
527 |
603 |
2445 |
2713 |
1052 |
1247 |
600 |
666 |
|
VI. |
Profit /loss |
102 |
-60 |
-262 |
74 |
34 |
20 |
-71 |
-281 |
28 |
56 |
113 |
136 |
|
|||||||||||||
Total (III+IV+V+VI) |
1837 |
2006 |
1165 |
1635 |
625 |
708 |
2299 |
2553 |
1157 |
1354 |
768 |
803 |
|
|
|||||||||||||
*: Excluding `Provisions and Contingencies' |
|||||||||||||
Source : Annual accounts of banks of respective years. |