Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 6 of 12) - आरबीआय - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 6 of 12)
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Jhbua Dhar Kshetriya | Junagadh Amreli | Ka Bank | Kakathiya | ||||||||
Gramin Bank | Gramin Bank | Nongkyndong | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (161) | (162) | (163) | (164) | (165) | (166) | (167) | (168) | ||
Income | ||||||||||||
I. | Interest Earned | 1146 | 1341 | 769 | 973 | 1191 | 1344 | 779 | 1174 | |||
a) | Interest/discount on advances/bills | 637 | 787 | 283 | 335 | 154 | 192 | 447 | 684 | |||
b) | Income on Investments | 89 | 92 | 248 | 343 | 604 | 524 | 12 | 31 | |||
c) | Interest on balances with | 419 | 462 | 239 | 295 | 433 | 628 | 320 | 459 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||
II. | Other income | 264 | 74 | 24 | 24 | 9 | 10 | 93 | 137 | |||
a) | Commission, exchange and brokerage | 9 | 12 | 13 | 13 | 8 | 7 | 17 | 30 | |||
b) | Other miscellaneous income | 255 | 62 | 11 | 11 | 1 | 4 | 76 | 107 | |||
Total (I+II) | 1410 | 1415 | 793 | 997 | 1200 | 1354 | 872 | 1311 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 896 | 1042 | 473 | 607 | 598 | 713 | 580 | 871 | |||
a) | Interest on deposits | 776 | 884 | 391 | 507 | 537 | 649 | 454 | 745 | |||
b) | Interest on RBI/inter-bank borrowings | 120 | 159 | 81 | 76 | 61 | 64 | 126 | 127 | |||
c) | Others | - | - | 1 | 24 | - | - | - | - | |||
IV. | Operating expenses | 513 | 539 | 173 | 192 | 224 | 244 | 267 | 323 | |||
a) | Payments to and provisions for employees | 471 | 491 | 147 | 160 | 183 | 198 | 214 | 235 | |||
b) | Rent, taxes and lighting | 11 | 13 | 5 | 5 | 12 | 13 | 11 | 13 | |||
c) | Printing and stationery | 4 | 4 | 3 | 4 | 5 | 5 | 6 | 9 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | 1 | 1 | |||
e) | Depreciation on Bank's property | 2 | 2 | 1 | 1 | 2 | 2 | 3 | 9 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 1 | 1 | - | 1 | 1 | 1 | 1 | |||
h) | Law charges | 1 | 1 | - | - | - | - | 1 | - | |||
i) | Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 2 | - | 1 | 2 | 4 | |||
j) | Repairs and maintenance | 1 | 2 | - | - | - | - | 1 | 1 | |||
k) | Insurance | 6 | 7 | 3 | 4 | 6 | 4 | 3 | 10 | |||
l) | Other expenditure | 14 | 15 | 12 | 16 | 16 | 20 | 24 | 41 | |||
V. | Provisions and contingencies | - | 14 | - | - | 85 | 52 | - | - | |||
Total expenses* | 1408 | 1581 | 646 | 799 | 823 | 957 | 846 | 1194 | ||||
VI. | Profit (loss) | 1 | -180 | 147 | 198 | 292 | 344 | 26 | 117 | |||
| Total (III+IV+V+VI) | 1410 | 1415 | 793 | 997 | 1200 | 1354 | 872 | 1311 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Kalahandi Anchalika | Kalpatharu | Kamraz | Kanakadurga | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (169) | (170) | (171) | (172) | (173) | (174) | (175) | (176) | ||
Income | ||||||||||||
I. | Interest Earned | 875 | 1103 | 1544 | 1746 | 1129 | 1319 | 783 | 888 | |||
a) | Interest/discount on advances/bills | 386 | 535 | 718 | 820 | 256 | 246 | 473 | 509 | |||
b) | Income on Investments | 138 | 231 | 626 | 725 | 104 | 73 | 306 | 359 | |||
c) | Interest on balances with | 352 | 337 | 26 | 18 | 769 | 1000 | 4 | 19 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | 174 | 183 | - | - | - | - | |||
II. | Other income | 20 | 25 | 96 | 186 | 31 | 51 | 20 | 35 | |||
a) | Commission, exchange and brokerage | - | - | 56 | 117 | 7 | 8 | 9 | 8 | |||
b) | Other miscellaneous income | 20 | 25 | 40 | 68 | 24 | 42 | 11 | 28 | |||
Total (I+II) | 896 | 1128 | 1640 | 1932 | 1160 | 1370 | 803 | 923 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 481 | 620 | 928 | 1138 | 802 | 965 | 407 | 521 | |||
a) | Interest on deposits | 383 | 472 | 749 | 952 | 762 | 926 | 322 | 401 | |||
b) | Interest on RBI/inter-bank borrowings | 98 | 148 | 179 | 185 | 40 | 39 | 84 | 120 | |||
c) | Others | - | - | - | - | - | - | - | - | |||
IV. | Operating expenses | 352 | 449 | 516 | 529 | 609 | 630 | 157 | 173 | |||
a) | Payments to and provisions for employees | 321 | 447 | 455 | 453 | 500 | 561 | 124 | 138 | |||
b) | Rent, taxes and lighting | 9 | 11 | 14 | 17 | 11 | 13 | 7 | 8 | |||
c) | Printing and stationery | 5 | 5 | 7 | 7 | 5 | 5 | 4 | 4 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | 1 | |||
e) | Depreciation on Bank's property | 2 | 2 | 4 | 5 | 4 | 5 | 7 | 5 | |||
f) | Directors' fees, allowances and expenses | 1 | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 2 | 1 | 2 | 1 | 1 | 1 | 1 | |||
h) | Law charges | - | - | - | - | 1 | - | - | - | |||
i) | Postage, telegrams, telephones, etc. | 4 | 4 | 5 | 7 | 1 | 1 | 4 | 5 | |||
j) | Repairs and maintenance | 1 | 1 | 4 | 5 | 1 | 1 | 1 | 2 | |||
k) | Insurance | 3 | 6 | 4 | 6 | 7 | 8 | 3 | 2 | |||
l) | Other expenditure | 51 | 18 | 23 | 26 | 79 | 36 | 5 | 8 | |||
V. | Provisions and contingencies | 51 | 32 | 13 | 4 | 53 | - | 18 | - | |||
Total expenses* | 834 | 1068 | 1444 | 1667 | 1411 | 1595 | 564 | 694 | ||||
VI. | Profit (loss) | 11 | 28 | 182 | 261 | -304 | -225 | 221 | 228 | |||
| Total (III+IV+V+VI) | 896 | 1128 | 1640 | 1932 | 1160 | 1370 | 803 | 923 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Kanpur Kshetriya | Kapurthala Firozpur Kshetriya | Kashi | Kisan | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (177) | (178) | (179) | (180) | (181) | (182) | (183) | (184) | ||
Income | ||||||||||||
I. | Interest Earned | 2861 | 3475 | 829 | 983 | 2230 | 2700 | 922 | 1082 | |||
a) | Interest/discount on advances/bills | 614 | 771 | 265 | 282 | 487 | 605 | 278 | 321 | |||
b) | Income on Investments | 1228 | 2600 | 260 | 344 | 811 | 1172 | 156 | 148 | |||
c) | Interest on balances with | 1019 | 104 | 304 | 357 | 931 | 923 | 489 | 614 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | - | - | |||
II. | Other income | 90 | 309 | 48 | 63 | 65 | 78 | 34 | 34 | |||
a) | Commission, exchange and brokerage | 44 | 58 | 4 | 4 | 40 | 41 | 19 | 19 | |||
b) | Other miscellaneous income | 45 | 252 | 44 | 59 | 24 | 37 | 15 | 15 | |||
Total (I+II) | 2951 | 3784 | 877 | 1046 | 2295 | 2778 | 956 | 1116 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 1934 | 2283 | 500 | 584 | 1479 | 1855 | 493 | 557 | |||
a) | Interest on deposits | 1748 | 2092 | 452 | 532 | 1425 | 1792 | 439 | 496 | |||
b) | Interest on RBI/inter-bank borrowings | - | 191 | 48 | 53 | 1 | 1 | 54 | 61 | |||
c) | Others | 187 | - | - | - | 53 | 62 | - | - | |||
IV. | Operating expenses | 700 | 773 | 255 | 273 | 543 | 613 | 376 | 371 | |||
a) | Payments to and provisions for employees | 621 | 675 | 222 | 239 | 466 | 511 | 332 | 331 | |||
b) | Rent, taxes and lighting | 17 | 21 | 4 | 5 | 12 | 16 | 8 | 8 | |||
c) | Printing and stationery | 10 | 9 | 2 | 4 | 5 | 7 | 3 | 5 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 8 | 9 | 5 | 4 | 4 | 8 | 3 | 4 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | |||
h) | Law charges | 1 | 2 | 1 | - | 1 | 1 | 1 | - | |||
i) | Postage, telegrams, telephones, etc. | 2 | 3 | 3 | 3 | 3 | 3 | 2 | 3 | |||
j) | Repairs and maintenance | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | |||
k) | Insurance | 12 | 15 | 1 | 1 | 12 | 14 | 1 | - | |||
l) | Other expenditure | 27 | 37 | 15 | 14 | 36 | 48 | 23 | 17 | |||
V. | Provisions and contingencies | 33 | 158 | 20 | 48 | 37 | 47 | 65 | 112 | |||
Total expenses* | 2634 | 3056 | 755 | 857 | 2022 | 2468 | 869 | 928 | ||||
VI. | Profit (loss) | 284 | 569 | 102 | 141 | 236 | 263 | 22 | 76 | |||
| Total (III+IV+V+VI) | 2951 | 3784 | 877 | 1046 | 2295 | 2778 | 956 | 1116 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Kolar | Koraput Panchabati | Kosi Kshetriya | Krishna | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Grameen Bank | |||||||||
| | | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | ||
| | | (185) | (186) | (187) | (188) | (189) | (190) | (191) | (192) | ||
Income | ||||||||||||
I. | Interest Earned | 1565 | 1724 | 1774 | 2041 | 1626 | 1962 | 3212 | 3688 | |||
a) | Interest/discount on advances/bills | 834 | 931 | 755 | 875 | 414 | 474 | 2058 | 2335 | |||
b) | Income on Investments | 726 | 787 | 1009 | 1166 | 27 | 32 | 527 | 813 | |||
c) | Interest on balances with | 5 | 5 | - | - | 1185 | - | 627 | 541 | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | 10 | - | - | 1457 | - | - | |||
II. | Other income | 139 | 114 | 40 | 37 | 47 | 208 | 87 | 137 | |||
a) | Commission, exchange and brokerage | 24 | 65 | - | - | 30 | 55 | 87 | 95 | |||
b) | Other miscellaneous income | 115 | 50 | 40 | 37 | 17 | 154 | - | 42 | |||
Total (I+II) | 1705 | 1838 | 1814 | 2078 | 1673 | 2170 | 3300 | 3825 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 863 | 994 | 1055 | 1289 | 1310 | 1537 | 1898 | 2238 | |||
a) | Interest on deposits | 674 | 823 | 839 | 1040 | 1260 | 1481 | 1391 | 1669 | |||
b) | Interest on RBI/inter-bank borrowings | 165 | 170 | 216 | 249 | 50 | 56 | 507 | 568 | |||
c) | Others | 23 | - | - | - | - | - | - | - | |||
IV. | Operating expenses | 422 | 472 | 658 | 653 | 951 | 1067 | 688 | 748 | |||
a) | Payments to and provisions for employees | 371 | 411 | 611 | 607 | 883 | 942 | 575 | 647 | |||
b) | Rent, taxes and lighting | 14 | 16 | 11 | 12 | 15 | 16 | 16 | 18 | |||
c) | Printing and stationery | 6 | 7 | 8 | 10 | 11 | 10 | 12 | 11 | |||
d) | Advertisement and publicity | - | - | - | - | - | 1 | - | - | |||
e) | Depreciation on Bank's property | 4 | 6 | 4 | 5 | 4 | 6 | 5 | 5 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - | |||
g) | Auditors' fees and expenses | 1 | 2 | 1 | 2 | 1 | 2 | 1 | 3 | |||
h) | Law charges | 1 | 1 | - | - | 1 | - | 1 | - | |||
i) | Postage, telegrams, telephones, etc. | 6 | 8 | 6 | 5 | 3 | 3 | 6 | 6 | |||
j) | Repairs and maintenance | - | 2 | 1 | 1 | 1 | 1 | 1 | 1 | |||
k) | Insurance | 5 | 6 | 6 | 4 | 11 | 11 | 9 | 11 | |||
l) | Other expenditure | 14 | 14 | 10 | 8 | 20 | 75 | 61 | 46 | |||
V. | Provisions and contingencies | - | 61 | 58 | 34 | 19 | - | 136 | 226 | |||
Total expenses* | 1286 | 1466 | 1713 | 1943 | 2261 | 2604 | 2586 | 2985 | ||||
VI. | Profit (loss) | 419 | 311 | 43 | 102 | -606 | -434 | 578 | 614 | |||
| Total (III+IV+V+VI) | 1705 | 1838 | 1814 | 2078 | 1673 | 2170 | 3300 | 3825 | |||
| | | | | | | | (Amount in Rs. lakh) | ||||
For the year ended March 31 | ||||||||||||
Items | Kshetriya | Kutch | K.Kisan | Lakhimi | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gaonlia Bank | |||||||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |||||
| | | (193) | (194) | (195) | (196) | (197) | (198) | (199) | (200) | ||
Income | ||||||||||||
I. | Interest Earned | 1705 | 2035 | 1225 | 1442 | 1186 | 1007 | 1347 | 1738 | |||
a) | Interest/discount on advances/bills | 664 | 800 | 357 | 446 | 398 | 486 | 253 | 295 | |||
b) | Income on Investments | 81 | 112 | 656 | 809 | 83 | 99 | 948 | 1234 | |||
c) | Interest on balances with | 961 | 1123 | 212 | 187 | 705 | 423 | - | - | |||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - | - | - | - | - | - | 146 | 209 | |||
II. | Other income | 28 | 42 | 47 | 58 | 19 | 22 | 207 | 245 | |||
a) | Commission, exchange and brokerage | 27 | 33 | 12 | 21 | 16 | 10 | 28 | 38 | |||
b) | Other miscellaneous income | 2 | 9 | 34 | 37 | 3 | 12 | 180 | 207 | |||
Total (I+II) | 1733 | 2077 | 1272 | 1500 | 1205 | 1029 | 1554 | 1983 | ||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 1032 | 1257 | 795 | 939 | 1108 | 808 | 855 | 1081 | |||
a) | Interest on deposits | 924 | 1097 | 717 | 838 | 590 | 713 | 794 | 1026 | |||
b) | Interest on RBI/inter-bank borrowings | 5 | 16 | 78 | 101 | 70 | 95 | 61 | 55 | |||
nbsp; | ||||||||||||
c) | Others | 103 | 143 | - | - | 448 | - | - | - | |||
IV. | Operating expenses | 541 | 583 | 257 | 285 | 381 | 401 | 598 | 641 | |||
a) | Payments to and provisions for employees | 486 | 519 | 234 | 251 | 337 | 360 | 534 | 568 | |||
b) | Rent, taxes and lighting | 13 | 16 | 5 | 7 | 8 | 10 | 15 | 15 | |||
c) | Printing and stationery | 5 | 6 | 2 | 4 | 4 | 3 | 7 | 7 | |||
d) | Advertisement and publicity | - | - | - | - | - | - | - | - | |||
e) | Depreciation on Bank's property | 4 | 5 | 5 | 7 | 5 | 4 | 3 | 3 | |||
f) | Directors' fees, allowances and expenses | - | - | - | - | - | 2 | - | - | |||
g) | Auditors' fees and expenses | 2 | 2 | - | - | 1 | - | 1 | 1 | |||
h) | Law charges | - | 1 | - | - | - | 1 | - | - | |||
i) | Postage, telegrams, telephones, etc. | 3 | 3 | 3 | 3 | 1 | 1 | 3 | 2 | |||
j) | Repairs and maintenance | 1 | 1 | - | 1 | - | - | 2 | 3 | |||
k) | Insurance | 7 | 8 | 4 | 5 | 12 | 6 | 1 | 1 | |||
l) | Other expenditure | 20 | 23 | 3 | 8 | 14 | 14 | 32 | 42 | |||
V. | Provisions and contingencies | 136 | 85 | - | - | 44 | -9 | 1 | 117 | |||
Total expenses* | 1573 | 1841 | 1053 | 1225 | 1490 | 858 | 1453 | 1722 | ||||
VI. | Profit (loss) | 24 | 151 | 219 | 275 | -325 | -171 | 101 | 144 | |||
| Total (III+IV+V+VI) | 1733 | 2077 | 1272 | 1500 | 1205 | 1029 | 1554 | 1983 |