Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 4 of 8)

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Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 4 of 8)

								(Amount in Rs. lakh)
			For the year ended 31st March
					Hissar-Sirsa
			Hindon		Kshetriya		Howrah		Indore Ujjain
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(145)	(146)	(147)	(148)	(149)	(150)	(151)	(152)
Income
I.	Interest Earned		285	408	938	1093	1603	2019	453	650
	a)	Interest/discount on advances/bills	66	90	431	484	284	330	190	286
	b)	Income on Investments	219	318	182	242	881	1144	257	355
	c)	Interest on balances with	-	-	325	367	438	545	6	9
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	-	-	-	-
II.	Other income		8	7	22	23	78	81	31	33
	a)	Commission, exchange and brokerage	5	5	5	6	52	61	4	5
	b)	Other miscellaneous income	3	2	17	17	26	19	27	28
Total(I+II)			293	415	960	1115	1681	2099	485	683
Expenditure & Provisions
III.	Interest expended		175	221	561	648	1152	1472	285	423
	a)	Interest on deposits	166	205	447	516	1108	1422	247	368
	b)	Interest on RBI/inter-bank borrowings	9	16	5	5	45	50	3	55
	c)	Others	-	-	109	128	-	-	34	-
IV.	Operating expenses		94	125	205	249	373	419	187	223
	a)	Payments to and provisions for employees	72	107	171	212	321	364	162	194
	b)	Rent, taxes and lighting	3	3	8	8	13	16	7	9
	c)	Printing and stationery	1	1	3	4	3	6	5	4
	d)	Advertisement and publicity	-	-	-	-	1	1	-	-
	e)	Depreciation on Bank's property	2	2	4	4	4	5	1	2
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	-	-	1	1	1	1	-	1
	h)	Law charges	-	-	1	-	-	-	-	-
	i)	Postage, telegrams, telephones, etc.	1	2	2	2	2	2	1	1
	j)	Repairs and maintenance	-	-	1	-	1	1	1	1
	k)	Insurance	10	2	4	3	18	11	2	4
	l)	Other expenditure	5	8	12	15	10	12	8	9
V.	Provisions and contingencies		-	16	36	-	52	99	8	4
	Total expenses*		269	346	766	897	1525	1891	473	646
VI.	Profit		23	53	158	219	104	109	4	33
Total (III+IV+V+VI)			293	415	960	1115	1681	2099	485	683

								(Amount in Rs. lakh)
			For the year ended 31st March
			Jaipur Nagaur
			Anchalik		Jammu Rural		Jamnagar		Jamuna
Items			Gramin Bank		Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(153)	(154)	(155)	(156)	(157)	(158)	(159)	(160)
Income
I.	Interest Earned		2699	3834	2552	3223	945	1376	1293	1670
	a)	Interest/discount on advances/bills	604	686	334	499	422	548	563	682
	b)	Income on Investments	728	1828	3	2	180	303	339	364
	c)	Interest on balances with	1367	1319	2215	2721	343	525	391	624
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	-	-	-	-
II.	Other income		69	81	20	68	8	32	82	66
	a)	Commission, exchange and brokerage	23	26	8	8	8	32	42	21
	b)	Other miscellaneous income	46	55	12	61	-	-	40	45
Total(I+II)			2768	3915	2572	3291	953	1409	1374	1735
Expenditure & Provisions
III.	Interest expended		1996	2431	1510	1992	596	875	801	1031
	a)	Interest on deposits	1907	2306	1443	1889	492	748	689	926
	b)	Interest on RBI/inter-bank borrowings	89	125	-	-	103	127	16	17
	c)	Others	-	-	67	103	-	-	95	87
IV.	Operating expenses		755	859	518	585	249	326	268	273
	a)	Payments to and provisions for employees	685	771	462	522	223	295	199	235
	b)	Rent, taxes and lighting	12	13	11	11	6	7	10	14
	c)	Printing and stationery	9	20	9	9	6	7	4	3
	d)	Advertisement and publicity	-	-	-	-	1	-	-	-
	e)	Depreciation on Bank's property	2	3	4	7	1	1	3	3
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	1	1	1	1	1	1	1	1
	h)	Law charges	1	1	2	2	-	-	-	-
	i)	Postage, telegrams, telephones, etc.	6	8	3	4	1	2	3	3
	j)	Repairs and maintenance	1	1	1	1	-	-	-	1
	k)	Insurance	12	1	9	12	3	5	-	-
	l)	Other expenditure	25	40	16	17	7	7	47	13
V.	Provisions and contingencies		93	173	37	-	-	-	10	-
	Total expenses*		2752	3290	2027	2577	845	1201	1069	1304
VI.	Profit		-77	452	508	714	108	208	296	432
Total (III+IV+V+VI)			2768	3915	2572	3291	953	1409	1374	1735

								(Amount in Rs. lakh)
			For the year ended 31st March
			Jhabua Dhar		Junagadh
			Kshetriya		Amreli		Ka Bank		Kakathiya
Items			Gramin Bank		Gramin Bank		Nongkyndong		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(161)	(162)	(163)	(164)	(165)	(166)	(167)	(168)
Income
I.	Interest Earned		805	1146	550	769	1137	1191	556	779
	a)	Interest/discount on advances/bills	437	637	215	283	130	154	348	447
	b)	Income on Investments	30	89	155	248	655	604	2	12
	c)	Interest on balances with	338	419	181	239	352	433	206	320
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	-	-	-	-
II.	Other income		107	264	25	24	11	9	30	93
	a)	Commission, exchange and brokerage	7	9	14	13	11	8	9	17
	b)	Other miscellaneous income	100	255	11	11	-	1	21	76
Total(I+II)			911	1410	575	793	1148	1200	586	872
Expenditure & Provisions
III.	Interest expended		750	896	316	473	547	598	378	580
	a)	Interest on deposits	634	776	263	391	482	537	291	454
	b)	Interest on RBI/inter-bank borrowings	116	120	42	81	65	61	87	126
	c)	Others	-	-	11	1	-	-	-	-
IV.	Operating expenses		436	513	147	173	199	224	229	266
	a)	Payments to and provisions for employees	400	471	122	147	165	183	180	214
	b)	Rent, taxes and lighting	10	11	4	5	11	12	8	11
	c)	Printing and stationery	4	4	3	3	5	5	5	6
	d)	Advertisement and publicity	-	-	-	-	-	-	1	1
	e)	Depreciation on Bank's property	2	2	1	1	2	2	2	3
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	1	-
	g)	Auditors' fees and expenses	1	1	-	1	1	1	-	1
	h)	Law charges	-	1	-	-	-	-	-	1
	i)	Postage, telegrams, telephones, etc.	1	2	2	2	1	-	1	2
	j)	Repairs and maintenance	2	1	-	-	-	-	-	1
	k)	Insurance	5	6	2	3	2	6	4	3
	l)	Other expenditure	11	14	12	12	14	16	27	24
V.	Provisions and contingencies		-	-	-	-	89	85	9	-
	Total expenses*		1186	1408	463	646	746	822	607	846
VI.	Profit		- 275	1	112	147	313	292	- 30	26
Total (III+IV+V+VI)			911	1410	575	793	1148	1200	586	872

Note	:	*Excluding 'Provisions and Contingencies'.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.

								(Amount in Rs. lakh)
			For the year ended 31st March
			Kalahandi
			Anchalika		Kalpatharu		Kamraz		Kanakadurga
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(169)	(170)	(171)	(172)	(173)	(174)	(175)	(176)
Income
I.	Interest Earned		599	875	1382	1544	889	1129	674	783
	a)	Interest/discount on advances/bills	285	386	693	718	123	256	426	473
	b)	Income on Investments	47	138	507	626	113	104	246	306
	c)	Interest on balances with	267	352	17	26	653	769	3	4
		RBI and other inter-bank funds
	d)	Others	-	-	165	174	-	-	-	-
II.	Other income		19	20	85	96	15	31	20	20
	a)	Commission, exchange and brokerage	-	-	54	56	7	7	8	9
	b)	Other miscellaneous income	19	20	32	40	7	24	12	11
Total(I+II)			618	896	1467	1640	904	1160	694	803
Expenditure & Provisions
III.	Interest expended		407	481	832	928	666	802	355	407
	a)	Interest on deposits	337	383	648	749	637	762	257	322
	b)	Interest on RBI/inter-bank borrowings	69	98	184	179	29	40	98	84
	c)	Others	-	-	-	-	-	-	-	-
IV.	Operating expenses		398	352	451	516	505	610	132	156
	a)	Payments to and provisions for employees	367	321	384	455	440	500	104	124
	b)	Rent, taxes and lighting	9	9	10	14	10	11	7	7
	c)	Printing and stationery	4	5	6	7	10	5	4	4
	d)	Advertisement and publicity	-	-	-	-	-	-	1	-
	e)	Depreciation on Bank's property	2	2	4	4	4	4	4	7
	f)	Directors' fees, allowances and expenses	-	1	-	-	-	-	1	-
	g)	Auditors' fees and expenses	1	1	1	1	1	1	-	1
	h)	Law charges	-	-	-	-	-	1	-	-
	i)	Postage, telegrams, telephones, etc.	4	4	4	5	1	1	4	4
	j)	Repairs and maintenance	1	1	2	4	1	1	1	1
	k)	Insurance	3	3	21	4	6	7	3	3
	l)	Other expenditure	7	51	19	23	34	79	3	5
V.	Provisions and contingencies		8	51	49	13	32	53	36	18
	Total expenses*		805	834	1283	1445	1171	1412	486	564
VI.	Profit		-195	11	135	182	- 299	- 304	173	221
Total (III+IV+V+VI)			618	896	1467	1640	904	1160	694	803
								(Amount in Rs. lakh)
			For the year ended 31st March
					Kapurthala
			Kanpur		Firozpur
			Kshetriya		Kshetriya		Kashi		Kisan
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(177)	(178)	(179)	(180)	(181)	(182)	(183)	(184)
Income
I.	Interest Earned		2260	2861	645	829	1645	2230	641	922
	a)	Interest/discount on advances/bills	479	614	233	265	418	487	235	278
	b)	Income on Investments	892	1228	172	260	730	811	119	156
	c)	Interest on balances with	889	1019	241	304	496	931	287	489
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	-	-	-	-
II.	Other income		127	90	42	48	66	65	60	34
	a)	Commission, exchange and brokerage	48	44	2	4	17	40	15	19
	b)	Other miscellaneous income	79	45	40	44	49	24	44	15
Total(I+II)			2388	2951	687	877	1711	2295	700	956
Expenditure & Provisions
III.	Interest expended		1601	1934	431	500	1226	1479	421	493
	a)	Interest on deposits	1439	1748	391	452	1163	1425	369	439
	b)	Interest on RBI/inter-bank borrowings	-	-	41	48	1	1	53	54
	c)	Others	162	187	-	-	61	53	-	-
IV.	Operating expenses		626	700	204	254	476	543	306	375
	a)	Payments to and provisions for employees	557	621	178	222	401	466	274	332
	b)	Rent, taxes and lighting	13	17	4	4	11	12	7	8
	c)	Printing and stationery	6	10	2	2	5	5	3	3
	d)	Advertisement and publicity	-	-	-	-	-	-	-	-
	e)	Depreciation on Bank's property	8	8	4	5	4	4	3	3
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	1	1	1	1	1	1	1	1
	h)	Law charges	1	1	-	1	1	1	1	1
	i)	Postage, telegrams, telephones, etc.	2	2	2	3	3	3	1	2
	j)	Repairs and maintenance	2	1	1	1	2	2	1	1
	k)	Insurance	10	12	1	1	16	12	1	1
	l)	Other expenditure	26	27	11	15	31	36	14	23
V.	Provisions and contingencies		-	33	1	20	-	37	38	65
	Total expenses*		2227	2634	635	754	1701	2022	728	868
VI.	Profit		161	284	51	103	10	236	- 65	23
Total (III+IV+V+VI)			2388	2951	687	877	1711	2295	700	956
								(Amount in Rs. lakh)
			For the year ended 31st March
					Koraput
			Kolar		Panchabati		Kosi Kshetriya		Krishna
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(185)	(186)	(187)	(188)	(189)	(190)	(191)	(192)
Income
I.	Interest Earned		1377	1565	1491	1774	1123	1626	2673	3212
	a)	Interest/discount on advances/bills	769	834	608	755	341	414	1806	2058
	b)	Income on Investments	604	726	880	1009	6	27	361	527
	c)	Interest on balances with	5	5	-	-	776	1185	505	627
		RBI and other inter-bank funds
	d)	Others	-	-	3	10	-	-	-	-
II.	Other income		71	139	285	40	34	47	47	87
	a)	Commission, exchange and brokerage	16	24	-	-	6	30	47	87
	b)	Other miscellaneous income	55	115	285	40	28	17	-	-
Total(I+II)			1449	1705	1776	1814	1157	1673	2720	3300
Expenditure & Provisions
III.	Interest expended		741	863	848	1055	1035	1310	1645	1898
	a)	Interest on deposits	558	674	673	839	998	1260	1185	1391
	b)	Interest on RBI/inter-bank borrowings	164	165	174	216	37	50	459	507
	c)	Others	19	23	-	-	-	-	1	-
IV.	Operating expenses		375	423	568	658	907	950	583	687
	a)	Payments to and provisions for employees	324	371	523	611	776	883	485	575
	b)	Rent, taxes and lighting	13	14	10	11	12	15	14	16
	c)	Printing and stationery	9	6	7	8	11	11	10	12
	d)	Advertisement and publicity	-	-	-	-	-	-	-	-
	e)	Depreciation on Bank's property	3	4	4	4	4	4	5	5
	f)	Directors' fees, allowances and expenses	1	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	1	1	1	1	1	1	1	1
	h)	Law charges	-	1	-	-	1	1	-	1
	i)	Postage, telegrams, telephones, etc.	5	6	6	6	2	3	5	6
	j)	Repairs and maintenance	-	-	1	1	1	1	1	1
	k)	Insurance	5	5	9	6	8	11	9	9
	l)	Other expenditure	14	14	6	10	91	20	52	61
V.	Provisions and contingencies		42	-	35	58	19	19	106	136
	Total expenses*		1116	1286	1416	1713	1942	2260	2228	2585
VI.	Profit		290	419	325	43	- 804	- 606	386	579
Total (III+IV+V+VI)			1449	1705	1776	1814	1157	1673	2720	3300