Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 8 of 12) - ആർബിഐ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 8 of 12)
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(Amount in Rs. lakh) |
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For the year ended March 31 |
||||||||||||
Items |
Mizoram |
Monghyr Kshetriya |
Murshidabad |
Muzaffarnagar |
||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(233) |
(234) |
(235) |
(236) |
(237) |
(238) |
(239) |
(240) |
||
Income |
||||||||||||
I. |
Interest Earned |
575 |
618 |
1728 |
2242 |
784 |
1089 |
612 |
753 |
|||
a) |
Interest/discount on advances/bills |
108 |
121 |
175 |
211 |
221 |
286 |
155 |
210 |
|||
b) |
Income on Investments |
189 |
179 |
601 |
585 |
416 |
515 |
322 |
335 |
|||
c) |
Interest on balances with |
278 |
317 |
952 |
1446 |
147 |
288 |
135 |
208 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
7 |
8 |
50 |
58 |
54 |
68 |
19 |
15 |
|||
a) |
Commission, exchange and brokerage |
6 |
8 |
7 |
8 |
6 |
14 |
4 |
5 |
|||
b) |
Other miscellaneous income |
1 |
- |
44 |
49 |
48 |
53 |
15 |
10 |
|||
Total (I+II) |
582 |
625 |
1779 |
2299 |
838 |
1157 |
632 |
768 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
245 |
289 |
1442 |
1702 |
598 |
807 |
333 |
374 |
|||
a) |
Interest on deposits |
208 |
259 |
1411 |
1668 |
559 |
760 |
291 |
319 |
|||
b) |
Interest on RBI/inter-bank borrowings |
37 |
31 |
31 |
33 |
39 |
46 |
13 |
17 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
30 |
39 |
|||
IV. |
Operating expenses |
207 |
238 |
703 |
743 |
228 |
246 |
161 |
226 |
|||
a) |
Payments to and provisions for employees |
175 |
194 |
656 |
683 |
189 |
201 |
133 |
196 |
|||
b) |
Rent, taxes and lighting |
10 |
11 |
13 |
14 |
5 |
5 |
5 |
5 |
|||
c) |
Printing and stationery |
3 |
4 |
4 |
3 |
3 |
4 |
3 |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
2 |
2 |
2 |
1 |
1 |
3 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
1 |
1 |
2 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
1 |
2 |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
2 |
2 |
1 |
1 |
2 |
2 |
|||
j) |
Repairs and maintenance |
1 |
3 |
2 |
1 |
- |
1 |
1 |
1 |
|||
k) |
Insurance |
2 |
2 |
11 |
12 |
3 |
5 |
5 |
4 |
|||
l) |
Other expenditure |
13 |
18 |
11 |
24 |
25 |
27 |
40 |
13 |
|||
V. |
Provisions and contingencies |
69 |
64 |
946 |
-75 |
148 |
77 |
31 |
55 |
|||
Total expenses* |
452 |
527 |
2145 |
2445 |
826 |
1052 |
495 |
600 |
||||
VI. |
Profit (loss) |
61 |
34 |
-1312 |
-71 |
-136 |
28 |
107 |
113 |
|||
|
Total (III+IV+V+VI) |
582 |
625 |
1779 |
2299 |
838 |
1157 |
632 |
768 |
|||
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Nadia |
Nagaland |
Nagarjuna |
NainitalAlmora Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
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|
|
(241) |
(242) |
(243) |
(244) |
(245) |
(246) |
(247) |
(248) |
||
Income |
||||||||||||
I. |
Interest Earned |
1549 |
1883 |
77 |
78 |
2728 |
3276 |
1178 |
1494 |
|||
a) |
Interest/discount on advances/bills |
374 |
396 |
19 |
23 |
1511 |
1577 |
450 |
614 |
|||
b) |
Income on Investments |
647 |
716 |
58 |
54 |
501 |
650 |
711 |
861 |
|||
c) |
Interest on balances with |
528 |
771 |
- |
- |
716 |
1049 |
16 |
18 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
1 |
- |
- |
- |
- |
|||
II. |
Other income |
56 |
84 |
2 |
3 |
259 |
130 |
26 |
38 |
|||
a) |
Commission, exchange and brokerage |
11 |
20 |
1 |
1 |
125 |
113 |
5 |
7 |
|||
b) |
Other miscellaneous income |
45 |
64 |
1 |
2 |
134 |
17 |
21 |
30 |
|||
Total (I+II) |
1605 |
1967 |
79 |
81 |
2987 |
3406 |
1203 |
1532 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1037 |
1300 |
38 |
38 |
1635 |
1871 |
686 |
842 |
|||
a) |
Interest on deposits |
902 |
1157 |
36 |
37 |
1378 |
1536 |
606 |
748 |
|||
b) |
Interest on RBI/inter-bank borrowings |
135 |
142 |
1 |
1 |
253 |
333 |
79 |
93 |
|||
c) |
Others |
- |
- |
1 |
- |
3 |
2 |
1 |
1 |
|||
IV. |
Operating expenses |
396 |
431 |
34 |
35 |
1165 |
1179 |
300 |
329 |
|||
a) |
Payments to and provisions for employees |
368 |
386 |
28 |
30 |
1045 |
1052 |
245 |
271 |
|||
b) |
Rent, taxes and lighting |
7 |
8 |
1 |
1 |
27 |
35 |
18 |
18 |
|||
c) |
Printing and stationery |
4 |
5 |
- |
- |
16 |
19 |
4 |
5 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
1 |
1 |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
2 |
- |
1 |
4 |
9 |
4 |
4 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
- |
2 |
2 |
1 |
1 |
|||
h) |
Law charges |
- |
1 |
- |
- |
- |
- |
1 |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
- |
- |
6 |
8 |
2 |
2 |
|||
j) |
Repairs and maintenance |
- |
1 |
- |
- |
2 |
2 |
3 |
5 |
|||
k) |
Insurance |
1 |
11 |
- |
1 |
14 |
7 |
4 |
6 |
|||
l) |
Other expenditure |
12 |
16 |
3 |
2 |
48 |
44 |
19 |
15 |
|||
V. |
Provisions and contingencies |
111 |
57 |
- |
- |
41 |
58 |
13 |
7 |
|||
Total expenses* |
1433 |
1730 |
72 |
73 |
2800 |
3050 |
986 |
1171 |
||||
VI. |
Profit (loss) |
61 |
180 |
8 |
7 |
146 |
298 |
204 |
354 |
|||
|
Total (III+IV+V+VI) |
1605 |
1967 |
79 |
81 |
2987 |
3406 |
1203 |
1532 |
|||
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Nalanda |
Netravati |
Nimar Kshetriya |
North Malabar |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(249) |
(250) |
(251) |
(252) |
(253) |
(254) |
(255) |
(256) |
||
Income |
||||||||||||
I. |
Interest Earned |
930 |
1206 |
384 |
489 |
1475 |
1522 |
4791 |
6112 |
|||
a) |
Interest/discount on advances/bills |
148 |
181 |
246 |
335 |
594 |
593 |
3385 |
4239 |
|||
b) |
Income on Investments |
- |
- |
14 |
23 |
373 |
398 |
864 |
1062 |
|||
c) |
Interest on balances with |
783 |
1025 |
125 |
131 |
508 |
531 |
542 |
810 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
21 |
16 |
30 |
35 |
52 |
90 |
360 |
448 |
|||
a) |
Commission, exchange and brokerage |
9 |
10 |
5 |
22 |
4 |
5 |
61 |
76 |
|||
b) |
Other miscellaneous income |
12 |
6 |
25 |
14 |
47 |
85 |
298 |
372 |
|||
Total (I+II) |
952 |
1221 |
415 |
524 |
1526 |
1612 |
5151 |
6560 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
859 |
1062 |
246 |
312 |
985 |
1122 |
2490 |
3261 |
|||
a) |
Interest on deposits |
844 |
1041 |
196 |
258 |
884 |
1024 |
1574 |
2087 |
|||
b) |
Interest on RBI/inter-bank borrowings |
15 |
21 |
50 |
54 |
3 |
9 |
916 |
1174 |
|||
c) |
Others |
- |
- |
- |
- |
98 |
89 |
- |
- |
|||
IV. |
Operating expenses |
422 |
447 |
145 |
157 |
403 |
398 |
1457 |
1619 |
|||
a) |
Payments to and provisions for employees |
385 |
408 |
127 |
136 |
365 |
354 |
1144 |
1256 |
|||
b) |
Rent, taxes and lighting |
6 |
7 |
6 |
8 |
11 |
12 |
41 |
54 |
|||
c) |
Printing and stationery |
3 |
3 |
2 |
2 |
6 |
4 |
18 |
21 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
1 |
1 |
|||
e) |
Depreciation on Bank's property |
3 |
3 |
2 |
2 |
3 |
3 |
9 |
13 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
2 |
2 |
4 |
|||
h) |
Law charges |
- |
1 |
- |
- |
- |
1 |
1 |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
2 |
2 |
1 |
0 |
28 |
33 |
|||
bsp; | ||||||||||||
j) |
Repairs and maintenance |
- |
- |
- |
- |
1 |
1 |
2 |
1 |
|||
k) |
Insurance |
1 |
1 |
1 |
2 |
1 |
1 |
46 |
59 |
|||
l) |
Other expenditure |
20 |
21 |
4 |
4 |
99 |
20 |
166 |
177 |
|||
V. |
Provisions and contingencies |
209 |
68 |
- |
5 |
85 |
51 |
- |
125 |
|||
Total expenses* |
1281 |
1509 |
391 |
469 |
1388 |
1520 |
3947 |
4880 |
||||
VI. |
Profit (loss) |
-538 |
-356 |
23 |
50 |
53 |
41 |
1204 |
1555 |
|||
|
Total (III+IV+V+VI) |
952 |
1221 |
415 |
524 |
1526 |
1612 |
5151 |
6560 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Palamau Kshetriya |
Panchmahal Vadodara |
Pandyan |
Parvatiya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(257) |
(258) |
(259) |
(260) |
(261) |
(262) |
(263) |
(264) |
||
Income |
||||||||||||
I. |
Interest Earned |
1383 |
1544 |
1040 |
1359 |
3886 |
4641 |
686 |
881 |
|||
a) |
Interest/discount on advances/bills |
288 |
307 |
390 |
560 |
2091 |
2388 |
141 |
175 |
|||
b) |
Income on Investments |
217 |
238 |
398 |
483 |
1793 |
352 |
176 |
178 |
|||
c) |
Interest on balances with |
878 |
930 |
253 |
316 |
2 |
1901 |
370 |
527 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
70 |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
28 |
45 |
33 |
31 |
206 |
292 |
16 |
25 |
|||
a) |
Commission, exchange and brokerage |
17 |
18 |
15 |
19 |
186 |
246 |
7 |
14 |
|||
b) |
Other miscellaneous income |
11 |
27 |
18 |
12 |
20 |
46 |
9 |
11 |
|||
Total (I+II) |
1411 |
1589 |
1073 |
1390 |
4092 |
4932 |
703 |
906 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1059 |
998 |
692 |
862 |
2450 |
3139 |
462 |
599 |
|||
a) |
Interest on deposits |
1030 |
952 |
576 |
734 |
2097 |
2696 |
427 |
564 |
|||
b) |
Interest on RBI/inter-bank borrowings |
27 |
44 |
116 |
128 |
353 |
443 |
35 |
35 |
|||
c) |
Others |
2 |
2 |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
496 |
524 |
318 |
344 |
1177 |
1351 |
124 |
146 |
|||
a) |
Payments to and provisions for employees |
439 |
463 |
274 |
283 |
995 |
1139 |
105 |
124 |
|||
b) |
Rent, taxes and lighting |
12 |
13 |
9 |
10 |
32 |
35 |
4 |
5 |
|||
c) |
Printing and stationery |
6 |
8 |
4 |
5 |
16 |
19 |
2 |
3 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
1 |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
4 |
4 |
4 |
11 |
15 |
16 |
1 |
1 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
2 |
1 |
2 |
2 |
5 |
- |
1 |
|||
h) |
Law charges |
- |
1 |
- |
1 |
1 |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
2 |
3 |
4 |
22 |
27 |
1 |
1 |
|||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
2 |
1 |
- |
- |
|||
k) |
Insurance |
5 |
6 |
1 |
1 |
15 |
20 |
2 |
4 |
|||
l) |
Other expenditure |
25 |
24 |
21 |
27 |
77 |
89 |
8 |
8 |
|||
V. |
Provisions and contingencies |
35 |
- |
- |
65 |
41 |
- |
- |
- |
|||
Total expenses* |
1555 |
1522 |
1010 |
1206 |
3627 |
4490 |
586 |
745 |
||||
VI. |
Profit (loss) |
-179 |
67 |
63 |
119 |
425 |
442 |
116 |
161 |
|||
|
Total (III+IV+V+VI) |
1411 |
1589 |
1073 |
1390 |
4092 |
4932 |
703 |
906 |