Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 6 of 8) - ആർബിഐ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 6 of 8)
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Nainital | ||||||||||
Almora | ||||||||||
Nadia | Nagaland | Nagarjuna | Kshetriya | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (241) | (242) | (243) | (244) | (245) | (246) | (247) | (248) |
Income | ||||||||||
I. | Interest Earned | 1224 | 1549 | 73 | 77 | 2161 | 2728 | 889 | 1178 | |
a) | Interest/discount on advances/bills | 306 | 374 | 20 | 19 | 1235 | 1511 | 376 | 450 | |
b) | Income on Investments | 513 | 647 | - | 58 | 385 | 501 | 498 | 711 | |
c) | Interest on balances with | 405 | 528 | 53 | - | 540 | 716 | 15 | 16 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 58 | 56 | 1 | 2 | 226 | 259 | 22 | 26 | |
a) | Commission, exchange and brokerage | 58 | 11 | 1 | 1 | 48 | 125 | 5 | 5 | |
b) | Other miscellaneous income | - | 45 | - | 1 | 178 | 134 | 17 | 21 | |
Total(I+II) | 1283 | 1605 | 74 | 79 | 2387 | 2987 | 911 | 1203 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 824 | 1037 | 41 | 38 | 1351 | 1635 | 559 | 686 | |
a) | Interest on deposits | 708 | 902 | 36 | 36 | 1119 | 1378 | 489 | 606 | |
b) | Interest on RBI/inter-bank borrowings | 116 | 135 | 1 | 1 | 226 | 253 | 69 | 79 | |
c) | Others | - | - | 4 | 1 | 6 | 3 | 1 | 1 | |
IV. | Operating expenses | 340 | 396 | 29 | 34 | 1080 | 1165 | 257 | 300 | |
a) | Payments to and provisions for employees | 310 | 368 | 24 | 28 | 977 | 1045 | 212 | 245 | |
b) | Rent, taxes and lighting | 7 | 7 | 1 | 1 | 22 | 27 | 16 | 18 | |
c) | Printing and stationery | 4 | 4 | - | - | 12 | 16 | 5 | 4 | |
d) | Advertisement and publicity | - | - | - | - | - | 1 | - | - | |
e) | Depreciation on Bank's property | 2 | 2 | - | - | 2 | 4 | 4 | 4 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | - | - | 1 | 2 | 1 | 1 | |
h) | Law charges | - | - | - | - | 1 | - | - | 1 | |
i) | Postage, telegrams, telephones, etc. | - | 1 | - | - | 4 | 6 | 2 | 2 | |
j) | Repairs and maintenance | - | - | - | - | 1 | 2 | 2 | 3 | |
k) | Insurance | - | 1 | 1 | - | 9 | 14 | 5 | 4 | |
l) | Other expenditure | 14 | 12 | 2 | 2 | 51 | 48 | 11 | 19 | |
V. | Provisions and contingencies | 257 | 111 | - | - | 40 | 41 | 19 | 13 | |
Total expenses* | 1164 | 1433 | 71 | 72 | 2431 | 2799 | 816 | 986 | ||
VI. | Profit | -138 | 61 | 3 | 8 | - 85 | 147 | 76 | 204 | |
Total (III+IV+V+VI) | 1283 | 1605 | 74 | 79 | 2387 | 2987 | 911 | 1203 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Nimar | ||||||||||
Nalanda | Netravati | Kshetriya | North Malabar | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (249) | (250) | (251) | (252) | (253) | (254) | (255) | (256) |
Income | ||||||||||
I . | Interest Earned | 601 | 930 | 272 | 384 | 1257 | 1475 | 3935 | 4791 | |
a) | Interest/discount on advances/bills | 106 | 148 | 175 | 246 | 501 | 594 | 2953 | 3385 | |
b) | Income on Investments | - | - | 5 | 14 | 332 | 373 | 535 | 864 | |
c) | Interest on balances with | 495 | 783 | 92 | 125 | 425 | 508 | 447 | 542 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 12 | 21 | 27 | 30 | 38 | 52 | 295 | 360 | |
a) | Commission, exchange and brokerage | 4 | 9 | 3 | 5 | 4 | 4 | 42 | 61 | |
b) | Other miscellaneous income | 9 | 12 | 24 | 25 | 34 | 47 | 253 | 298 | |
Total(I+II) | 614 | 952 | 299 | 415 | 1296 | 1526 | 4230 | 5151 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 688 | 859 | 175 | 246 | 815 | 985 | 1953 | 2490 | |
a) | Interest on deposits | 680 | 844 | 131 | 196 | 722 | 884 | 1166 | 1574 | |
b) | Interest on RBI/inter-bank borrowings | 9 | 15 | 45 | 50 | 5 | 3 | 788 | 916 | |
c) | Others | - | - | - | - | 89 | 98 | - | - | |
IV. | Operating expenses | 372 | 422 | 117 | 145 | 395 | 403 | 1216 | 1457 | |
a) | Payments to and provisions for employees | 332 | 385 | 103 | 127 | 356 | 365 | 968 | 1144 | |
b) | Rent, taxes and lighting | 6 | 6 | 4 | 6 | 10 | 11 | 35 | 41 | |
c) | Printing and stationery | 2 | 3 | 2 | 2 | 5 | 6 | 18 | 18 | |
d) | Advertisement and publicity | - | - | - | - | - | - | 1 | 1 | |
e) | Depreciation on Bank's property | 2 | 3 | 1 | 2 | 4 | 3 | 7 | 9 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | - | - | 1 | 1 | 2 | 2 | |
h) | Law charges | - | - | - | - | - | - | 1 | 1 | |
i) | Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 2 | 3 | 1 | 25 | 28 | |
j) | Repairs and maintenance | - | - | - | - | 1 | 1 | 1 | 2 | |
k) | Insurance | 1 | 1 | - | 1 | 1 | 1 | 29 | 46 | |
l) | Other expenditure | 25 | 20 | 5 | 4 | 14 | 99 | 130 | 166 | |
V. | Provisions and contingencies | 245 | 209 | - | - | 55 | 85 | - | - | |
Total expenses* | 1060 | 1281 | 292 | 391 | 1210 | 1388 | 3170 | 3947 | ||
VI. | Profit | - 691 | - 538 | 7 | 23 | 31 | 53 | 1060 | 1204 | |
Total (III+IV+V+VI) | 614 | 952 | 299 | 415 | 1296 | 1526 | 4230 | 5151 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Palamau | ||||||||||
Kshetriya | Panchmahal | Pandyan | Parvatiya | |||||||
Items | Gramin Bank | Gramin Bank | Grama Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (257) | (258) | (259) | (260) | (261) | (262) | (263) | (264) |
Income | ||||||||||
I . | Interest Earned | 975 | 1383 | 998 | 1040 | 2980 | 3886 | 508 | 686 | |
a) | Interest/discount on advances/bills | 227 | 288 | 402 | 390 | 2123 | 2091 | 112 | 141 | |
b) | Income on Investments | 140 | 217 | 323 | 398 | 836 | 1793 | 156 | 176 | |
c) | Interest on balances with | 608 | 878 | 262 | 253 | 1 | 2 | 240 | 370 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | 11 | - | 20 | - | - | - | |
II. | Other income | 17 | 28 | 29 | 33 | 210 | 206 | 14 | 16 | |
a) | Commission, exchange and brokerage | 12 | 17 | 12 | 15 | 157 | 186 | 5 | 7 | |
b) | Other miscellaneous income | 5 | 11 | 17 | 18 | 53 | 20 | 9 | 9 | |
Total(I+II) | 992 | 1411 | 1027 | 1073 | 3190 | 4092 | 522 | 703 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 811 | 1059 | 570 | 692 | 1967 | 2450 | 365 | 462 | |
a) | Interest on deposits | 791 | 1030 | 453 | 576 | 1641 | 2097 | 331 | 427 | |
b) | Interest on RBI/inter-bank borrowings | 20 | 27 | 117 | 116 | 325 | 353 | 34 | 35 | |
c) | Others | - | 2 | - | - | - | - | - | - | |
IV. | Operating expenses | 431 | 495 | 262 | 318 | 995 | 1176 | 111 | 124 | |
a) | Payments to and provisions for employees | 380 | 439 | 230 | 274 | 857 | 995 | 94 | 105 | |
b) | Rent, taxes and lighting | 10 | 12 | 8 | 9 | 30 | 32 | 4 | 4 | |
c) | Printing and stationery | 6 | 6 | 4 | 4 | 17 | 16 | 2 | 2 | |
d) | Advertisement and publicity | - | - | - | - | - | 1 | - | - | |
e) | Depreciation on Bank's property | 3 | 4 | 3 | 4 | 10 | 15 | 1 | 1 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 2 | 2 | - | - | |
h) | Law charges | - | - | - | - | - | 1 | - | - | |
i) | Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 3 | 18 | 22 | 1 | 1 | |
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | 2 | 2 | - | - | |
k) | Insurance | 7 | 5 | 1 | 1 | 13 | 15 | 2 | 2 | |
l) | Other expenditure | 20 | 25 | 12 | 21 | 46 | 77 | 6 | 8 | |
V. | Provisions and contingencies | 81 | 35 | 35 | - | 13 | 41 | - | - | |
Total expenses* | 1243 | 1554 | 833 | 1010 | 2961 | 3626 | 476 | 586 | ||
VI. | Profit | - 332 | -179 | 159 | 63 | 216 | 425 | 47 | 116 | |
Total (III+IV+V+VI) | 992 | 1411 | 1027 | 1073 | 3190 | 4092 | 522 | 703 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Pithoragarh | ||||||||||
Patliputra | Pinakini | Kshetriya | Pragiyotish | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gaonlia Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (265) | (266) | (267) | (268) | (269) | (270) | (271) | (272) |
Income | ||||||||||
I. | Interest Earned | 236 | 344 | 1641 | 2105 | 646 | 825 | 2822 | 3364 | |
a) | Interest/discount on advances/bills | 44 | 61 | 1092 | 1336 | 172 | 186 | 718 | 764 | |
b) | Income on Investments | 127 | 193 | 5 | 7 | 184 | 225 | 2103 | 2601 | |
c) | Interest on balances with | 65 | 91 | 545 | 761 | 291 | 415 | - | - | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 2 | 3 | 186 | 268 | 9 | 11 | 584 | 107 | |
a) | Commission, exchange and brokerage | 1 | 1 | 33 | 55 | 7 | 9 | 47 | 65 | |
b) | Other miscellaneous income | 1 | 2 | 154 | 213 | 2 | 2 | 537 | 42 | |
Total(I+II) | 238 | 348 | 1828 | 2373 | 655 | 837 | 3405 | 3471 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 158 | 209 | 1024 | 1321 | 434 | 542 | 1952 | 2269 | |
a) | Interest on deposits | 154 | 204 | 821 | 1101 | 398 | 506 | 1627 | 2023 | |
b) | Interest on RBI/inter-bank borrowings | 5 | 6 | 203 | 220 | 36 | 36 | 325 | 246 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 66 | 92 | 574 | 685 | 107 | 135 | 1135 | 1216 | |
a) | Payments to and provisions for employees | 52 | 76 | 491 | 531 | 87 | 113 | 971 | 1092 | |
b) | Rent, taxes and lighting | 3 | 3 | 13 | 16 | 5 | 5 | 28 | 34 | |
c) | Printing and stationery | 1 | 1 | 8 | 11 | 2 | 2 | 15 | 14 | |
d) | Advertisement and publicity | - | - | - | - | - | - | 1 | 1 | |
e) | Depreciation on Bank's property | 3 | 3 | 5 | 6 | 1 | 1 | 8 | 10 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 1 | - | - | 2 | 2 | |
h) | Law charges | - | - | 1 | 2 | - | - | 1 | 1 | |
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 5 | 6 | 1 | 1 | 5 | 6 | |
j) | Repairs and maintenance | 1 | 1 | 2 | 3 | - | - | 2 | 3 | |
k) | Insurance | 2 | 3 | 1 | 1 | 2 | 3 | 2 | 3 | |
l) | Other expenditure | 4 | 4 | 45 | 109 | 8 | 10 | 99 | 51 | |
V. | Provisions and contingencies | - | - | - | - | - | - | - | 181 | |
Total expenses* | 224 | 301 | 1598 | 2007 | 541 | 678 | 3087 | 3485 | ||
VI. | Profit | 13 | 46 | 230 | 366 | 114 | 159 | 318 | -195 | |
Total (III+IV+V+VI) | 238 | 348 | 1828 | 2373 | 655 | 837 | 3405 | 3471 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Pratapgarh | Rae Bareli | |||||||||
Kshetriya | Prathama | Puri | Kshetriya | |||||||
Items | Gramin Bank | Bank | Gramya Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (273) | (274) | (275) | (276) | (277) | (278) | (279) | (280) |
Income | ||||||||||
I. | Interest Earned | 1327 | 1816 | 4982 | 5964 | 1185 | 2064 | 1506 | 2112 | |
a) | Interest/discount on advances/bills | 283 | 315 | 2450 | 2492 | 644 | 1181 | 322 | 402 | |
b) | Income on Investments | 980 | 1452 | 2532 | 3472 | 541 | 882 | 706 | 1115 | |
c) | Interest on balances with | 65 | 49 | - | - | 1 | 1 | 478 | 594 | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | - | - | |
II. | Other income | 18 | 56 | 230 | 542 | 86 | 71 | 32 | 15 | |
a) | Commission, exchange and brokerage | 7 | 8 | 51 | 87 | 24 | 36 | 15 | 7 | |
b) | Other miscellaneous income | 10 | 48 | 179 | 455 | 62 | 36 | 17 | 8 | |
Total(I+II) | 1345 | 1872 | 5211 | 6507 | 1271 | 2135 | 1538 | 2127 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 1027 | 1200 | 2411 | 2889 | 1140 | 1708 | 1028 | 1234 | |
a) | Interest on deposits | 977 | 1152 | 1803 | 2269 | 942 | 1474 | 975 | 1180 | |
b) | Interest on RBI/inter-bank borrowings | 50 | 48 | 607 | 620 | 198 | 234 | 52 | 53 | |
c) | Others | - | - | - | - | - | - | - | - | |
IV. | Operating expenses | 395 | 480 | 1435 | 1560 | 706 | 846 | 411 | 488 | |
a) | Payments to and provisions for employees | 356 | 423 | 1274 | 1403 | 637 | 754 | 365 | 435 | |
b) | Rent, taxes and lighting | 7 | 9 | 33 | 35 | 16 | 23 | 7 | 7 | |
c) | Printing and stationery | 3 | 6 | 18 | 15 | 9 | 10 | 8 | 8 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 3 | 3 | 6 | 7 | 2 | 4 | 4 | 5 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | 1 | 1 | 3 | 3 | 1 | 2 | 1 | 1 | |
h) | Law charges | - | - | 1 | 2 | - | - | 1 | 1 | |
i) | Postage, telegrams, telephones, etc. | 1 | 1 | 15 | 17 | 3 | 4 | 3 | 4 | |
j) | Repairs and maintenance | - | 1 | 2 | 3 | - | 1 | 2 | 3 | |
k) | Insurance | 8 | 9 | 23 | 23 | 8 | 11 | 7 | 9 | |
l) | Other expenditure | 17 | 27 | 61 | 52 | 29 | 38 | 13 | 15 | |
V. | Provisions and contingencies | 59 | 44 | 74 | 32 | 359 | 154 | 87 | 149 | |
Total expenses* | 1423 | 1680 | 3846 | 4449 | 1846 | 2554 | 1439 | 1722 | ||
VI. | Profit | -137 | 147 | 1291 | 2027 | - 933 | - 572 | 12 | 256 | |
Total (III+IV+V+VI) | 1345 | 1872 | 5211 | 6507 | 1271 | 2135 | 1538 | 2127 | ||
| | | | | | | | (Amount in Rs. lakh) | ||
For the year ended 31st March | ||||||||||
Raigarh | Rajgarh Sehore | Ranchi | Rani Laxmibai | |||||||
Kshetriya | Kshetriya | Kshetriya | Kshetriya | |||||||
Items | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||
1998 | 1999 | 1998 | 1999 | 1998 | 1999 | 1998 | 1999 | |||
| | | (281) | (282) | (283) | (284) | (285) | (286) | (287) | (288) |
Income | ||||||||||
I. | Interest Earned | 693 | 1026 | 448 | 714 | 840 | 1065 | 310 | 389 | |
a) | Interest/discount on advances/bills | 113 | 181 | 192 | 325 | 310 | 343 | 139 | 178 | |
b) | Income on Investments | 24 | 35 | 116 | 196 | 233 | 311 | - | 41 | |
c) | Interest on balances with | 556 | 811 | 139 | 192 | 298 | 411 | - | - | |
RBI and other inter-bank funds | ||||||||||
d) | Others | - | - | - | - | - | - | 171 | 170 | |
II. | Other income | 19 | 21 | 14 | 48 | 12 | 31 | 10 | 12 | |
a) | Commission, exchange and brokerage | 11 | 13 | 3 | 9 | 3 | 4 | 3 | 5 | |
b) | Other miscellaneous income | 8 | 9 | 10 | 40 | 9 | 27 | 7 | 8 | |
Total(I+II) | 712 | 1047 | 462 | 762 | 853 | 1096 | 320 | 401 | ||
Expenditure & Provisions | ||||||||||
III. | Interest expended | 526 | 648 | 362 | 555 | 703 | 853 | 391 | 465 | |
a) | Interest on deposits | 492 | 612 | 329 | 490 | 616 | 770 | 344 | 414 | |
b) | Interest on RBI/inter-bank borrowings | 33 | 36 | 3 | 2 | - | 83 | - | - | |
c) | Others | 2 | - | 31 | 63 | 87 | - | 47 | 51 | |
IV. | Operating expenses | 294 | 338 | 220 | 256 | 381 | 425 | 219 | 341 | |
a) | Payments to and provisions for employees | 263 | 301 | 191 | 219 | 342 | 385 | 194 | 287 | |
b) | Rent, taxes and lighting | 6 | 6 | 7 | 8 | 9 | 10 | 9 | 10 | |
c) | Printing and stationery | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | |
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |
e) | Depreciation on Bank's property | 1 | 1 | 2 | 3 | 4 | 4 | 2 | 2 | |
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |
g) | Auditors' fees and expenses | - | - | 1 | 1 | - | 1 | - | - | |
h) | Law charges | - | - | - | - | - | - | - | - | |
i) | Postage, telegrams, telephones, etc. | 1 | 2 | 1 | 2 | 2 | 2 | 1 | 2 | |
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | - | 1 | 1 | - | |
k) | Insurance | 7 | 5 | - | 1 | 4 | 3 | - | 1 | |
l) | Other expenditure | 10 | 18 | 13 | 19 | 15 | 17 | 8 | 36 | |
V. | Provisions and contingencies | - | 19 | 6 | - | 19 | -76 | 6 | 26 | |
Total expenses* | 820 | 986 | 583 | 812 | 1084 | 1278 | 609 | 806 | ||
VI. | Profit | -108 | 41 | -127 | - 49 | -251 | -105 | -295 | - 431 | |
Total (III+IV+V+VI) | 712 | 1047 | 462 | 762 | 853 | 1096 | 320 | 401 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |