Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 3 of 8)

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പ്രസിദ്ധീകരിച്ചത് ഡിസംബർ 31, 2001

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Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 3 of 8)

(Amount in Rs. lakh)

		For the year ended March 31

Items		Dungarpur-		Durg		Ellaquai Dehati		Etah		Etawah		Faizabad
		Banswara		Rajnandgaon		Gramin Bank		Gramin Bank		Kshetriya		Kshetriya
		Kshetriya		Gramin Bank						Gramin Bank		Gramin Bank
		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(97)	(98)	(99)	(100)	(101)	(102)	(103)	(104)	(105)	(106)	(107)	(108)

Income
I.	Interest Earned	687	773	2603	2896	767	867	1806	1965	1145	1278	2081	2492
	a) Interest/discount on advances/bills	281	344	575	476	146	119	788	800	358	305	423	539
	b) Income on Investments	105	100	1315	1625	0	0	240	285	95	9	349	354
	c) Interest on balances with	274	305	712	795	621	748	777	880	691	964	0	0
	RBI and other inter-bank funds
	d) Others	26	25	0	0	0	0	0	0	0	0	1309	1599

II.	Other income	48	51	107	81	14	13	76	84	41	40	49	90
	a) Commission, exchange and brokerage	14	18	32	30	14	13	63	68	12	12	19	21
	b) Other miscellaneous income	34	34	75	51	0	0	13	16	29	28	30	69

	Total (I+II)	735	824	2710	2977	781	880	1882	2049	1185	1318	2129	2582


Expenditure & Provisions
III.	Interest expended	485	557	1721	1896	821	926	1149	1302	632	699	1232	1415
	a) Interest on deposits	433	508	1610	1809	813	916	998	1171	580	658	1144	1332
	b) Interest on RBI/inter-bank borrowings	0	0	111	87	0	0	150	131	52	41	0	0
	c) Others	52	50	0	0	8	10	0	0	0	0	88	83

IV.	Operating expenses	231	241	636	725	607	591	409	431	287	305	468	577
	a) Payments to and provisions for employees	191	203	545	629	556	544	364	382	257	269	373	473
	b) Rent, taxes and lighting	7	8	17	19	12	13	12	12	5	6	9	11
	c) Printing and stationery	3	3	11	12	2	4	3	3	2	2	6	7
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	3	3	6	7	2	3	3	3	2	2	4	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	2	3	3	1	1	1	2	1	1	1	2
	h) Law charges	1	0	1	0	1	1	0	0	1	2	0	0
	i) Postage, telegrams, telephones, etc.	3	3	7	7	1	2	7	7	3	3	3	3
	j) Repairs and maintenance	0	1	3	1	1	0	2	2	0	1	0	0
	k) Insurance	3	4	24	28	10	3	1	1	5	7	8	12
	l) Other expenditure	20	15	19	17	23	20	16	20	11	12	64	66

V.	Provisions and contingencies	12	22	131	205	-147	0	71	94	56	0	0	0

	Total expenses*	716	798	2357	2620	1428	1517	1558	1733	919	1004	1700	1992

VI.	Profit /loss	6	4	221	152	-500	-639	252	221	210	314	429	590

	Total (III+IV+V+VI)	735	824	2710	2977	781	880	1882	2049	1185	1318	2129	2582

(Amount in Rs. lakh)

		For the year ended March 31

Items		Faridkot Bhatinda		Farrukhabad		Fatehpur		Ganga Yamuna		Gaur		Giridih
		Kshetriya		Gramin Bank		Kshetriya		Gramin Bank		Gramin Bank		Kshetriya
		Gramin Bank				Gramin Bank						Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(109)	(110)	(111)	(112)	(113)	(114)	(115)	(116)	(117)	(118)	(119)	(120)

Income
I.	Interest Earned	713	713	2871	3155	1259	1439	191	213	3081	3672	655	837
	a) Interest/discount on advances/bills	291	291	627	690	280	335	191	213	1193	1527	161	258
	b) Income on Investments	172	172	429	402	227	295	0	0	1240	1357	163	168
	c) Interest on balances with	250	250	19	24	752	809	0	0	647	788	330	411
	RBI and other inter-bank funds
	d) Others	0	0	1796	2039	0	0	0	0	0	0	0	0

II.	Other income	32	32	28	43	68	57	672	768	284	977	8	18
	a) Commission, exchange and brokerage	6	6	10	11	6	6	10	13	22	170	4	9
	b) Other miscellaneous income	27	27	17	32	61	50	662	755	262	807	5	9

	Total (I+II)	746	746	2899	3199	1327	1495	863	981	3365	4649	663	855


Expenditure & Provisions
III.	Interest expended	405	405	1614	1675	764	861	610	694	2804	3129	434	527
	a) Interest on deposits	349	349	1490	1562	693	785	568	654	2607	2962	404	499
	b) Interest on RBI/inter-bank borrowings	3	3	123	113	71	77	41	32	197	0	30	29
	c) Others	53	53	0	0	0	0	0	7	0	166	0	0

IV.	Operating expenses	146	146	640	684	420	441	185	197	1393	1411	138	268
	a) Payments to and provisions for employees	105	105	583	623	348	366	166	177	1139	1221	121	125
	b) Rent, taxes and lighting	8	8	9	10	6	8	5	6	31	35	3	3
	c) Printing and stationery	3	3	7	5	4	4	3	3	14	14	2	2
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	2	2	3	4	3	3	2	1	8	8	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	1	1	1	3	1	1	0	1	3	3	0	0
	h) Law charges	0	0	0	1	1	1	1	0	0	1	0	0
	i) Postage, telegrams, telephones, etc.	2	2	0	1	1	1	0	0	3	3	1	1
	j) Repairs and maintenance	0	0	1	1	5	6	0	0	1	1	0	0
	k) Insurance	2	2	12	12	1	0	2	3	20	19	3	4
	l) Other expenditure	23	23	23	24	50	49	7	5	174	107	6	132

V.	Provisions and contingencies	26	26	24	218	72	61	0	0	0	0	28	0

	Total expenses*	551	551	2254	2359	1185	1302	794	891	4197	4540	571	795

VI.	Profit /loss	170	170	621	622	71	133	69	91	-832	110	64	60

	Total (III+IV+V+VI)	746	746	2899	3199	1327	1495	863	981	3365	4649	663	855

(Amount in Rs. lakh)

		For the year ended March 31

Items		Godavari		Golconda		Gomti		Gopalganj		Gorakhpur		Gurdaspur
		Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya		Kshetriya		Amritsar
								Gramin Bank		Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(121)	(122)	(123)	(124)	(125)	(126)	(127)	(128)	(129)	(130)	(131)	(132)

Income
I.	Interest Earned	1005	1151	1352	1611	3440	4134	1832	2131	10938	11885	1945	2469
	a) Interest/discount on advances/bills	607	624	940	405	753	1087	184	194	1667	2189	487	644
	b) Income on Investments	172	324	131	0	1443	1874	1631	1905	9184	9602	870	1132
	c) Interest on balances with	225	203	280	1206	1244	1173	17	32	87	95	588	694
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	0	0	0	0	0	0

II.	Other income	28	40	28	33	34	42	27	66	134	183	94	240
	a) Commission, exchange and brokerage	10	11	28	33	21	25	6	8	128	176	23	30
	b) Other miscellaneous income	19	29	0	0	13	17	21	58	6	7	71	210

	Total (I+II)	1033	1191	1380	1644	3474	4176	1859	2197	11072	12068	2038	2709


Expenditure & Provisions
III.	Interest expended	676	800	1026	1209	2219	2570	1091	1249	6328	6878	1065	1337
	a) Interest on deposits	555	680	325	408	2054	2417	1065	1224	5843	6331	970	1221
	b) Interest on RBI/inter-bank borrowings	120	119	677	55	165	154	25	25	484	547	90	109
	c) Others	0	1	24	747	0	0	0	0	0	0	4	7

IV.	Operating expenses	175	212	127	219	656	1087	313	324	1792	2203	396	475
	a) Payments to and provisions for employees	136	164	104	191	528	638	268	289	1496	1914	340	394
	b) Rent, taxes and lighting	10	10	7	7	12	13	5	6	59	72	10	13
	c) Printing and stationery	4	5	3	5	12	7	2	3	16	16	6	11
	d) Advertisement and publicity	2	1	0	0	1	1	1	0	0	0	0	1
	e) Depreciation on Bank's property	5	8	3	3	7	10	3	3	8	12	8	17
	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	1	3	3	1	1	5	5	2	2
	h) Law charges	1	1	0	0	1	1	0	0	1	3	0	0
	i) Postage, telegrams, telephones, etc.	3	4	1	1	4	3	1	1	11	11	3	4
	j) Repairs and maintenance	2	4	2	1	2	4	1	1	3	4	1	1
	k) Insurance	4	0	3	3	0	1	25	12	79	81	8	10
	l) Other expenditure	8	14	4	7	85	405	7	7	112	85	19	23

V.	Provisions and contingencies	23	93	0	34	324	125	6	173	283	127	86	34

	Total expenses*	850	1012	1153	1428	2875	3657	1404	1573	8119	9081	1461	1813

VI.	Profit /loss	159	87	227	182	275	394	449	450	2670	2860	491	862

	Total (III+IV+V+VI)	1033	1191	1380	1644	3474	4176	1859	2197	11072	12068	2038	2709

(Amount in Rs. lakh)

		For the year ended March 31

Items		Gurgaon		Gwalior Datia		Hadoti		Haryana		Hazaribagh		Himachal
		Gramin Bank		Kshetriya		Kshetriya		Kshetriya		Kshetriya		Gramin Bank
				Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(133)	(134)	(135)	(136)	(137)	(138)	(139)	(140)	(141)	(142)	(143)	(144)

Income
I.	Interest Earned	6215	7231	908	1119	1932	2165	2653	3038	946	1103	4103	4749
	a) Interest/discount on advances/bills	2113	2924	210	303	904	921	1318	1629	174	201	988	1197
	b) Income on Investments	4102	1501	57	89	95	53	502	491	516	623	2291	2388
	c) Interest on balances with	0	2806	394	396	934	1190	0	919	255	279	822	1162
	RBI and other inter-bank funds
	d) Others	0	0	247	331	0	0	832	0	0	1	2	2
II.	Other income	175	336	16	58	123	138	68	96	6	22	51	250
	a) Commission, exchange and brokerage	22	38	5	7	39	48	40	43	3	5	21	24
	b) Other miscellaneous income	153	298	11	51	84	90	29	54	3	16	30	226

	Total (I+II)	6390	7566	924	1177	2055	2303	2721	3135	952	1125	4154	4998


Expenditure & Provisions
III.	Interest expended	3576	3897	675	867	1356	1563	1931	2019	543	637	2890	3446
	a) Interest on deposits	3157	3478	387	491	1156	1347	1694	1852	499	593	2746	3311
	b) Interest on RBI/inter-bank borrowings	0	419	40	44	200	215	0	167	44	44	1	1
	c) Others	419	0	247	331	0	0	237	0	0	0	143	134

IV.	Operating expenses	1214	1446	189	160	502	538	640	754	141	167	860	944
	a) Payments to and provisions for employees	1068	1283	123	132	432	462	578	615	119	144	766	822
	b) Rent, taxes and lighting	35	46	5	6	15	19	11	14	4	4	21	24
	c) Printing and stationery	12	13	3	3	6	6	8	9	2	2	9	9
	d) Advertisement and publicity	0	0	0	0	0	1	0	0	0	0	0	0
	e) Depreciation on Bank's property	13	16	1	3	6	9	4	6	2	2	9	14
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	3	3	0	1	2	2	1	4	0	1	2	3
	h) Law charges	2	2	0	0	1	1	1	0	0	0	1	1
	i) Postage, telegrams, telephones, etc.	8	12	1	2	4	4	3	4	1	1	10	11
	j) Repairs and maintenance	3	3	0	0	1	1	1	1	0	1	2	4
	k) Insurance	24	22	1	1	10	12	15	9	0	1	17	22
	l) Other expenditure	47	45	54	13	25	23	19	91	12	12	22	35

V.	Provisions and contingencies	92	15	0	0	0	0	0	0	6	7	0	45

	Total expenses*	4790	5343	863	1027	1858	2101	2571	2773	684	804	3750	4390

VI.	Profit /loss	1507	2209	61	151	197	201	150	362	263	313	404	563

	Total (III+IV+V+VI)	6390	7566	924	1177	2055	2303	2721	3135	952	1125	4154	4998

*: Excluding `Provisions and Contingencies'
Source : Annual accounts of banks of respective years.