TABLE 55: Earnings And Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 1 of 8) - ಆರ್ಬಿಐ - Reserve Bank of India
TABLE 55: Earnings And Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 1 of 8)
(Amount in Rs. lakh) | ||||||||
For the year ended March 31 | ||||||||
Adhiyaman | Akola | Alaknanda | Aligarh | |||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||
2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | |
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | |
Income | ||||||||
I. Interest Earned | 758 | 903 | 733 | 905 | 1031 | 1156 | 4920 | 5381 |
a) Interest/discount on advances/bills | 436 | 517 | 494 | 600 | 210 | 264 | 1780 | 1961 |
b) Income on Investments | 120 | 156 | - | - | 167 | 191 | 1284 | 1078 |
c) Interest on balances with | 202 | 231 | 238 | 305 | 654 | 700 | 1856 | 2343 |
RBI and other inter-bank funds | ||||||||
d) Others | 1 | - | - | - | - | - | - | - |
II. Other income | 43 | 47 | 141 | 116 | 33 | 30 | 121 | 130 |
a) Commission, exchange and brokerage | 17 | 22 | 61 | 70 | 15 | 21 | 39 | 36 |
b) Other miscellaneous income | 27 | 25 | 80 | 46 | 18 | 10 | 83 | 94 |
Total (I+II) | 801 | 950 | 873 | 1021 | 1063 | 1186 | 5042 | 5511 |
Expenditure & Provisions | ||||||||
III. Interest expended | 408 | 488 | 430 | 472 | 681 | 761 | 2958 | 3203 |
a) Interest on deposits | 312 | 393 | 324 | 362 | 643 | 717 | 2710 | 2969 |
b) Interest on RBI/inter-bank borrowings | 96 | 95 | - | - | 38 | 44 | 248 | 234 |
c) Others | - | - | 105 | 110 | - | - | - | - |
IV. Operating expenses | 175 | 191 | 267 | 344 | 243 | 331 | 746 | 999 |
a) Payments to and provisions for employees | 148 | 163 | 238 | 306 | 201 | 276 | 671 | 896 |
b) Rent, taxes and lighting | 6 | 7 | 8 | 9 | 6 | 8 | 21 | 22 |
c) Printing and stationery | 4 | 5 | 3 | 5 | 3 | 5 | 4 | 13 |
d) Advertisement and publicity | - | - | - | - | - | - | - | - |
e) Depreciation on Bank's property | 4 | 5 | 2 | 2 | 1 | 2 | 4 | 4 |
f) Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
g) Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | 3 | 3 |
h) Law charges | - | - | - | - | - | - | 2 | 1 |
i) Postage, telegrams, telephones, etc. | 1 | 1 | 1 | 2 | 2 | 3 | 8 | 10 |
j) Repairs and maintenance | 2 | 2 | - | - | 1 | 1 | 1 | 1 |
k) Insurance | 1 | 1 | 4 | 12 | 4 | 4 | 2 | 1 |
l) Other expenditure | 8 | 5 | 9 | 7 | 22 | 30 | 31 | 48 |
V. Provisions and contingencies | 32 | 17 | 44 | 46 | - | 8 | 168 | 87 |
Total expenses* | 583 | 679 | 697 | 816 | 924 | 1091 | 3705 | 4202 |
VI. Profit /loss | 187 | 254 | 133 | 160 | 139 | 87 | 1169 | 1221 |
Total (III+IV+V+VI) | 801 | 950 | 873 | 1021 | 1063 | 1186 | 5042 | 5511 |
(Amount in Rs. lakh) | ||||||||
For the year ended March 31 | ||||||||
Allahabad Kshetriya | Alwar Bharatpur | Ambala Kurukshetra | Aravali Kshetriya | |||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||
Items | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
(9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) | |
Income | ||||||||
I. Interest Earned | 3057 | 3525 | 2096 | 2661 | 1372 | 1439 | 1067 | 1245 |
a) Interest/discount on advances/bills | 659 | 781 | 1103 | 1447 | 729 | 829 | 526 | 582 |
b) Income on Investments | 527 | 422 | 678 | 859 | 259 | 197 | 94 | 90 |
c) Interest on balances with | 1863 | 2315 | 315 | 355 | 385 | 414 | 362 | 573 |
RBI and other inter-bank funds | ||||||||
d) Others | 9 | 6 | - | - | - | - | 85 | - |
II. Other income | 144 | 142 | 193 | 632 | 50 | 43 | 60 | 118 |
a) Commission, exchange and brokerage | 28 | 27 | 44 | 49 | 6 | 8 | 21 | 36 |
b) Other miscellaneous income | 117 | 115 | 149 | 583 | 44 | 34 | 39 | 82 |
Total (I+II) | 3201 | 3668 | 2289 | 3293 | 1422 | 1482 | 1127 | 1362 |
Expenditure & Provisions | ||||||||
III. Interest expended | 1993 | 2248 | 1297 | 1653 | 867 | 899 | 966 | 1060 |
a) Interest on deposits | 1929 | 2131 | 1082 | 1343 | 715 | 772 | 849 | 947 |
b) Interest on RBI/inter-bank borrowings | 64 | 117 | 215 | 306 | 151 | 127 | 117 | 113 |
c) Others | - | - | - | 4 | - | - | - | - |
IV. Operating expenses | 729 | 831 | 580 | 842 | 336 | 340 | 527 | 341 |
a) Payments to and provisions for employees | 640 | 731 | 500 | 732 | 274 | 271 | 474 | 280 |
b) Rent, taxes and lighting | 16 | 20 | 15 | 18 | 8 | 9 | 11 | 12 |
c) Printing and stationery | 8 | 8 | 6 | 10 | 3 | 4 | 5 | 7 |
d) Advertisement and publicity | - | - | - | - | - | - | - | - |
e) Depreciation on Bank's property | 5 | 6 | 9 | 15 | 5 | 5 | 3 | 3 |
f) Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
g) Auditors' fees and expenses | 2 | 2 | 3 | 3 | 1 | 1 | 1 | 2 |
h) Law charges | 1 | - | - | - | 2 | 2 | 1 | - |
i) Postage, telegrams, telephones, etc. | 2 | 3 | 6 | 8 | 3 | 4 | 4 | 5 |
j) Repairs and maintenance | - | - | 4 | 3 | 1 | 1 | 1 | 2 |
k) Insurance | 16 | 20 | 9 | 13 | 11 | 11 | 6 | 8 |
l) Other expenditure | 39 | 40 | 26 | 40 | 28 | 33 | 19 | 22 |
V. Provisions and contingencies | 74 | 97 | - | 96 | 40 | 62 | 107 | 28 |
Total expenses* | 2722 | 3079 | 1876 | 2494 | 1202 | 1239 | 1493 | 1400 |
VI. Profit /loss | 405 | 492 | 413 | 703 | 180 | 181 | -473 | -65 |
Total (III+IV+V+VI) | 3201 | 3668 | 2289 | 3293 | 1422 | 1482 | 1127 | 1362 |
(Amount in Rs. lakh) | ||||||||
For the year ended March 31 | ||||||||
Arunachal Pradesh | Aurangabad Jalana | Avadh | Baitarani | |||||
Rural Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||
Items | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
(17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) | |
Income | ||||||||
I. Interest Earned | 444 | 265 | 2074 | 2550 | 5164 | 5343 | 2266 | 3851 |
a) Interest/discount on advances/bills | 403 | 184 | 1136 | 1542 | 987 | 1075 | 946 | 1269 |
b) Income on Investments | 35 | 72 | 836 | 988 | 4122 | 4224 | 520 | 371 |
c) Interest on balances with | 6 | 10 | 102 | 20 | 55 | 44 | 800 | 1071 |
RBI and other inter-bank funds | ||||||||
d) Others | - | - | - | - | - | - | - | 1140 |
II. Other income | 22 | 18 | 74 | 208 | 82 | 87 | 52 | 84 |
a) Commission, exchange and brokerage | 10 | 10 | 57 | 187 | 21 | 28 | 10 | 36 |
b) Other miscellaneous income | 12 | 9 | 16 | 22 | 61 | 59 | 42 | 48 |
Total (I+II) | 467 | 284 | 2148 | 2758 | 5246 | 5430 | 2318 | 3935 |
Expenditure & Provisions | ||||||||
III. Interest expended | 266 | 338 | 1112 | 1422 | 3022 | 3266 | 1565 | 3079 |
a) Interest on deposits | 211 | 257 | 785 | 1054 | 2895 | 3127 | 1368 | 1653 |
b) Interest on RBI/inter-bank borrowings | 56 | 80 | 327 | 368 | 127 | 140 | 197 | 288 |
c) Others | - | - | - | - | - | - | - | 1138 |
IV. Operating expenses | 125 | 125 | 496 | 661 | 1093 | 1250 | 649 | 725 |
a) Payments to and provisions for employees | 92 | 91 | 367 | 482 | 945 | 1099 | 597 | 665 |
b) Rent, taxes and lighting | 8 | 8 | 18 | 23 | 27 | 31 | 12 | 13 |
c) Printing and stationery | 4 | 4 | 18 | 11 | 24 | 20 | 2 | 9 |
d) Advertisement and publicity | - | - | 7 | 6 | - | - | - | - |
e) Depreciation on Bank's property | 2 | 2 | 30 | 47 | 45 | 30 | - | 3 |
f) Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
g) Auditors' fees and expenses | 1 | 1 | 2 | 2 | 3 | 3 | 3 | 3 |
h) Law charges | - | - | - | - | 1 | 1 | - | 2 |
i) Postage, telegrams, telephones, etc. | 1 | - | 6 | 8 | 3 | 6 | 3 | 1 |
j) Repairs and maintenance | - | 1 | 2 | 7 | 5 | 7 | 1 | 1 |
k) Insurance | 5 | 6 | 5 | 7 | 22 | 28 | 11 | 13 |
l) Other expenditure | 12 | 12 | 40 | 68 | 17 | 25 | 19 | 16 |
V. Provisions and contingencies | 255 | 657 | 64 | 173 | 99 | 154 | 1 | 117 |
Total expenses* | 391 | 462 | 1608 | 2083 | 4114 | 4516 | 2214 | 3804 |
VI. Profit /loss | -179 | -836 | 476 | 502 | 1033 | 761 | 103 | 14 |
Total (III+IV+V+VI) | 467 | 284 | 2148 | 2758 | 5246 | 5430 | 2318 | 3935 |
(Amount in Rs. lakh) | ||||||||
For the year ended March 31 | ||||||||
Balasore | Ballia shetriya | Banaskantha Mehsana | Bara Banki | |||||
Gramya Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||
Items | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
(25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) | |
Income | ||||||||
I. Interest Earned | 476 | 531 | 3136 | 3626 | 2125 | 2492 | 2951 | 3229 |
a) Interest/discount on advances/bills | 220 | 256 | 494 | 491 | 943 | 1104 | 588 | 783 |
b) Income on Investments | 3 | 11 | 2625 | 3102 | 872 | 945 | 1591 | 1716 |
c) Interest on balances with | 253 | 264 | - | 12 | 308 | 442 | 734 | 697 |
RBI and other inter-bank funds | ||||||||
d) Others | - | - | 17 | 22 | 2 | 1 | 38 | 34 |
II. Other income | 23 | 49 | 125 | 146 | 98 | 91 | 79 | 95 |
a) Commission, exchange and brokerage | 6 | 6 | 37 | 32 | 16 | 22 | 27 | 34 |
b) Other miscellaneous income | 16 | 43 | 89 | 114 | 82 | 69 | 52 | 60 |
Total (I+II) | 499 | 580 | 3261 | 3772 | 2223 | 2582 | 3031 | 3324 |
Expenditure & Provisions | ||||||||
III. Interest expended | 882 | 1050 | 2033 | 2254 | 1527 | 1768 | 1771 | 1944 |
a) Interest on deposits | 865 | 1011 | 1894 | 2147 | 1296 | 1495 | 1666 | 1830 |
b) Interest on RBI/inter-bank borrowings | 1 | 7 | 2 | 2 | 231 | 273 | 105 | 113 |
c) Others | 16 | 32 | 137 | 106 | - | - | - | - |
IV. Operating expenses | 464 | 472 | 617 | 790 | 515 | 699 | 763 | 855 |
a) Payments to and provisions for employees | 418 | 416 | 567 | 732 | 446 | 619 | 705 | 792 |
b) Rent, taxes and lighting | 11 | 12 | 9 | 11 | 10 | 13 | 11 | 12 |
c) Printing and stationery | 4 | 3 | 4 | 4 | 6 | 7 | 6 | 8 |
d) Advertisement and publicity | - | - | - | - | - | - | - | 1 |
e) Depreciation on Bank's property | 2 | 2 | 2 | 3 | 4 | 11 | 3 | 3 |
f) Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
g) Auditors' fees and expenses | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 |
h) Law charges | - | - | - | - | 1 | - | - | 1 |
i) Postage, telegrams, telephones, etc. | 2 | 3 | 3 | 3 | 4 | 5 | 2 | 3 |
j) Repairs and maintenance | - | - | - | - | 3 | 3 | 1 | 1 |
k) Insurance | 7 | 12 | 12 | 0 | 1 | 1 | 2 | 1 |
l) Other expenditure | 20 | 22 | 18 | 35 | 39 | 38 | 31 | 32 |
V. Provisions and contingencies | 79 | 114 | - | 44 | - | 50 | -10 | 6 |
Total expenses* | 1346 | 1523 | 2650 | 3045 | 2042 | 2467 | 2535 | 2799 |
VI. Profit /loss | -926 | -1057 | 611 | 683 | 182 | 65 | 506 | 519 |
Total (III+IV+V+VI) | 499 | 580 | 3261 | 3772 | 2223 | 2582 | 3031 | 3324 |
(Amount in Rs. lakh) | ||||||||
For the year ended March 31 | ||||||||
Bardhaman | Bareilly Kshetriya | Bastar Kshetriya | Basti | |||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||
Items | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
(33) | (34) | (35) | (36) | (37) | (38) | (39) | (40) | |
Income | ||||||||
I. Interest Earned | 3799 | 4531 | 2278 | 2370 | 596 | 737 | 3679 | 3980 |
a) Interest/discount on advances/bills | 802 | 1069 | 830 | 973 | 205 | 365 | 600 | 691 |
b) Income on Investments | 769 | 2617 | 1425 | 318 | 10 | 1 | 3021 | 3220 |
c) Interest on balances with | 2228 | 845 | 22 | 1079 | 381 | 371 | 58 | 69 |
RBI and other inter-bank funds | ||||||||
d) Others | - | - | - | - | - | - | - | - |
II. Other income | 221 | 251 | 87 | 135 | 36 | 42 | 56 | 390 |
a) Commission, exchange and brokerage | 26 | 30 | 24 | 34 | 14 | 42 | 52 | 118 |
b) Other miscellaneous income | 195 | 221 | 64 | 101 | 22 | - | 5 | 273 |
Total (I+II) | 4020 | 4782 | 2365 | 2505 | 632 | 779 | 3736 | 4370 |
Expenditure & Provisions | ||||||||
III. Interest expended | 3040 | 3210 | 1148 | 1219 | 644 | 708 | 1986 | 2236 |
a) Interest on deposits | 2953 | 3123 | 988 | 1053 | 624 | 675 | 1855 | 2046 |
b) Interest on RBI/inter-bank borrowings | 86 | 86 | 8 | 16 | 21 | 34 | 131 | 191 |
c) Others | - | 1 | 151 | 150 | - | - | - | - |
IV. Operating expenses | 721 | 1126 | 646 | 743 | 424 | 478 | 663 | 924 |
a) Payments to and provisions for employees | 648 | 1016 | 576 | 656 | 393 | 438 | 581 | 812 |
b) Rent, taxes and lighting | 19 | 20 | 16 | 18 | 6 | 7 | 14 | 20 |
c) Printing and stationery | 8 | 11 | 7 | 8 | 4 | 6 | 8 | 10 |
d) Advertisement and publicity | - | - | - | - | - | - | - | - |
e) Depreciation on Bank's property | 3 | 4 | 4 | 6 | 1 | 1 | 5 | 6 |
f) Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
g) Auditors' fees and expenses | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 3 |
h) Law charges | - | - | 1 | 1 | - | - | 2 | 1 |
i) Postage, telegrams, telephones, etc. | 3 | 3 | 3 | 5 | 2 | 2 | 3 | 2 |
j) Repairs and maintenance | 1 | 2 | 8 | 11 | 1 | 1 | 2 | 4 |
k) Insurance | 15 | 24 | 11 | 12 | 14 | 15 | 11 | 15 |
l) Other expenditure | 23 | 42 | 21 | 23 | 2 | 5 | 34 | 51 |
V. Provisions and contingencies | 191 | 123 | 60 | 4 | - | 6 | 46 | - |
Total expenses* | 3761 | 4335 | 1794 | 1962 | 1069 | 1187 | 2649 | 3160 |
VI. Profit /loss | 68 | 323 | 511 | 539 | -437 | -414 | 1041 | 1210 |
Total (III+IV+V+VI) | 4020 | 4782 | 2365 | 2505 | 632 | 779 | 3736 | 4370 |
(Amount in Rs. lakh) | ||||||||
For the year ended March 31 | ||||||||
Begusarai Kshetriya | Bhagalpur Banka | Bhagirath | Bhandara | |||||
Gramin Bank | Kshetriya Gramin | Gramin Bank | Gramin Bank | |||||
Bank | ||||||||
Items | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 |
(41) | (42) | (43) | (44) | (45) | (46) | (47) | (48) | |
Income | ||||||||
I. Interest Earned | 608 | 681 | 1327 | 835 | 4552 | 4781 | 924 | 1089 |
a) Interest/discount on advances/bills | 80 | 114 | 168 | 184 | 761 | 883 | 468 | 597 |
b) Income on Investments | 526 | 567 | 1154 | 650 | 3787 | 3882 | 134 | 138 |
c) Interest on balances with | 2 | 1 | 5 | 1 | 4 | 16 | 322 | 354 |
RBI and other inter-bank funds | ||||||||
d) Others | - | - | - | - | - | - | - | - |
II. Other income | 70 | 32 | 61 | 25 | 247 | 390 | 36 | 37 |
a) Commission, exchange and brokerage | 13 | 10 | 6 | 10 | 246 | 389 | 5 | 4 |
b) Other miscellaneous income | 57 | 22 | 55 | 15 | - | 1 | 32 | 34 |
Total (I+II) | 678 | 714 | 1388 | 860 | 4799 | 5171 | 960 | 1126 |
Expenditure & Provisions | ||||||||
III. Interest expended | 332 | 398 | 1152 | 658 | 1969 | 2087 | 685 | 735 |
a) Interest on deposits | 323 | 386 | 544 | 641 | 1804 | 1913 | 615 | 650 |
b) Interest on RBI/inter-bank borrowings | 9 | 12 | 603 | 17 | 165 | 174 | 71 | 86 |
c) Others | - | - | 4 | - | - | - | - | - |
IV. Operating expenses | 131 | 158 | 145 | 189 | 866 | 1265 | 283 | 484 |
a) Payments to and provisions for employees | 116 | 138 | 114 | 152 | 764 | 1136 | 242 | 442 |
b) Rent, taxes and lighting | 4 | 4 | 7 | 9 | 26 | 28 | 9 | 9 |
c) Printing and stationery | 1 | 1 | 2 | 4 | 11 | 12 | 6 | 5 |
d) Advertisement and publicity | - | - | - | - | - | - | - | - |
e) Depreciation on Bank's property | 2 | 2 | 2 | 3 | 7 | 10 | 4 | 5 |
f) Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
g) Auditors' fees and expenses | - | 1 | 1 | 1 | 2 | 2 | 1 | 1 |
h) Law charges | - | - | - | - | 2 | 2 | - | 2 |
i) Postage, telegrams, telephones, etc. | 1 | 1 | 1 | 2 | 4 | 4 | 1 | 1 |
j) Repairs and maintenance | - | - | - | - | 4 | 3 | - | - |
k) Insurance | 3 | 3 | 5 | 4 | 18 | 24 | 5 | 3 |
l) Other expenditure | 2 | 7 | 13 | 13 | 28 | 43 | 15 | 16 |
V. Provisions and contingencies | - | 34 | 8 | 10 | 33 | 53 | 16 | 122 |
Total expenses* | 463 | 556 | 1297 | 847 | 2836 | 3352 | 968 | 1220 |
VI. Profit /loss | 216 | 124 | 83 | 2 | 1930 | 1766 | -24 | -215 |
Total (III+IV+V+VI) | 678 | 714 | 1388 | 860 | 4799 | 5171 | 960 | 1126 |
* : Excluding ‘Provisions and Contingencies’. | ||||||||
Source : Annual accounts of banks of respective years. |