TABLE 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 2 of 8) - आरबीआय - Reserve Bank of India
TABLE 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 2 of 8)
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Bhilwara-Ajmer |
Bhojpur Rohtas |
Bijapur |
Bikaner Kshetriya |
|||||
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||
|
||||||||
Items |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
||||||||
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
|
|
||||||||
Income |
||||||||
I. Interest Earned |
1698 |
1979 |
5614 |
5861 |
3919 |
4193 |
454 |
492 |
a) Interest/discount on advances/bills |
876 |
1063 |
1003 |
1087 |
2467 |
2737 |
282 |
290 |
b) Income on Investments |
201 |
260 |
3265 |
3402 |
548 |
742 |
171 |
198 |
c) Interest on balances with |
621 |
657 |
1346 |
1373 |
904 |
715 |
1 |
3 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
- |
- |
- |
- |
- |
- |
II. Other income |
78 |
94 |
530 |
2362 |
216 |
306 |
28 |
30 |
a) Commission, exchange and brokerage |
35 |
41 |
11 |
14 |
37 |
39 |
13 |
17 |
b) Other miscellaneous income |
43 |
52 |
519 |
2348 |
178 |
267 |
15 |
13 |
|
||||||||
Total (I+II) |
1777 |
2073 |
6144 |
8223 |
4135 |
4499 |
482 |
522 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
1071 |
1175 |
3685 |
4215 |
2157 |
2333 |
340 |
341 |
a) Interest on deposits |
912 |
992 |
3486 |
4037 |
1759 |
1930 |
268 |
277 |
b) Interest on RBI/inter-bank borrowings |
159 |
183 |
199 |
179 |
67 |
54 |
2 |
3 |
c) Others |
- |
- |
- |
- |
331 |
349 |
69 |
61 |
IV. Operating expenses |
413 |
637 |
1329 |
1693 |
789 |
908 |
126 |
154 |
a) Payments to and provisions for employees |
360 |
579 |
1197 |
1560 |
676 |
770 |
110 |
137 |
b) Rent, taxes and lighting |
12 |
13 |
20 |
23 |
12 |
13 |
3 |
3 |
c) Printing and stationery |
5 |
5 |
20 |
13 |
11 |
12 |
1 |
1 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
5 |
4 |
11 |
13 |
17 |
18 |
2 |
2 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
2 |
2 |
5 |
3 |
3 |
3 |
1 |
1 |
h) Law charges |
1 |
- |
1 |
2 |
2 |
2 |
- |
- |
i) Postage, telegrams, telephones, etc. |
5 |
6 |
9 |
11 |
8 |
10 |
1 |
2 |
j) Repairs and maintenance |
4 |
5 |
3 |
3 |
1 |
1 |
- |
- |
k) Insurance |
7 |
9 |
27 |
30 |
- |
- |
2 |
2 |
l) Other expenditure |
11 |
13 |
36 |
35 |
60 |
79 |
5 |
5 |
V. Provisions and contingencies |
74 |
- |
112 |
1142 |
1 |
- |
6 |
-2 |
Total expenses* |
1485 |
1812 |
5015 |
5908 |
2947 |
3241 |
465 |
495 |
VI. Profit /loss |
218 |
261 |
1018 |
1173 |
1188 |
1258 |
11 |
29 |
|
||||||||
Total (III+IV+V+VI) |
1777 |
2073 |
6144 |
8223 |
4135 |
4499 |
482 |
522 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Bilaspur Raipur |
Bolangir Anchalik |
Buldhana |
Bundelkhand |
|||||
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
Kshetriya |
|||||
Gramin Bank |
||||||||
|
||||||||
Items |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
||||||||
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
|
|
||||||||
Income |
||||||||
I. Interest Earned |
2591 |
3026 |
1913 |
2064 |
621 |
765 |
2362 |
2622 |
a) Interest/discount on advances/bills |
555 |
702 |
860 |
960 |
454 |
592 |
589 |
640 |
b) Income on Investments |
170 |
144 |
118 |
173 |
29 |
39 |
67 |
52 |
c) Interest on balances with |
1866 |
2180 |
935 |
931 |
138 |
134 |
1706 |
1930 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
- |
- |
- |
- |
- |
- |
II. Other income |
55 |
227 |
371 |
630 |
37 |
48 |
45 |
47 |
a) Commission, exchange and brokerage |
44 |
78 |
45 |
51 |
31 |
33 |
42 |
47 |
b) Other miscellaneous income |
11 |
148 |
326 |
579 |
6 |
15 |
3 |
- |
|
||||||||
Total (I+II) |
2646 |
3253 |
2284 |
2694 |
658 |
813 |
2407 |
2669 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
1833 |
2107 |
1858 |
2197 |
328 |
403 |
1530 |
1676 |
a) Interest on deposits |
1726 |
2000 |
1627 |
1926 |
261 |
325 |
1469 |
1618 |
b) Interest on RBI/inter-bank borrowings |
107 |
107 |
231 |
271 |
- |
- |
61 |
58 |
c) Others |
- |
- |
- |
- |
66 |
77 |
- |
- |
IV. Operating expenses |
903 |
1251 |
1135 |
1126 |
137 |
193 |
626 |
807 |
a) Payments to and provisions for employees |
823 |
1114 |
1044 |
1018 |
103 |
150 |
577 |
815 |
b) Rent, taxes and lighting |
18 |
22 |
27 |
30 |
8 |
8 |
10 |
11 |
c) Printing and stationery |
9 |
13 |
10 |
10 |
3 |
3 |
6 |
6 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
2 |
4 |
5 |
5 |
5 |
7 |
2 |
2 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
2 |
3 |
3 |
3 |
1 |
- |
2 |
2 |
h) Law charges |
1 |
- |
- |
1 |
- |
- |
1 |
-1 |
i) Postage, telegrams, telephones, etc. |
5 |
7 |
5 |
8 |
2 |
2 |
1 |
- |
j) Repairs and maintenance |
1 |
1 |
2 |
3 |
1 |
1 |
1 |
1 |
k) Insurance |
5 |
14 |
10 |
13 |
2 |
2 |
9 |
10 |
l) Other expenditure |
37 |
73 |
29 |
36 |
12 |
18 |
17 |
-38 |
V. Provisions and contingencies |
141 |
109 |
- |
- |
70 |
20 |
- |
7 |
Total expenses* |
2735 |
3358 |
2993 |
3323 |
464 |
595 |
2156 |
2483 |
VI. Profit /loss |
-231 |
-214 |
-708 |
-629 |
125 |
197 |
250 |
179 |
|
||||||||
Total (III+IV+V+VI) |
2646 |
3253 |
2284 |
2694 |
658 |
813 |
2407 |
2669 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Bundi-Chittor Kshetriya |
Cachar |
Cauvery |
Chaitanya |
|||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||
|
||||||||
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
|
||||||||
Items |
(65) |
(66) |
(67) |
(68) |
(69) |
(70) |
(71) |
(72) |
|
||||||||
Income |
||||||||
I. Interest Earned |
1588 |
1780 |
1105 |
1266 |
2853 |
3396 |
1859 |
2361 |
a) Interest/discount on advances/bills |
822 |
936 |
284 |
324 |
1807 |
2201 |
1163 |
1380 |
b) Income on Investments |
187 |
218 |
435 |
425 |
439 |
539 |
226 |
456 |
c) Interest on balances with |
579 |
627 |
110 |
101 |
606 |
656 |
470 |
524 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
276 |
416 |
- |
656 |
- |
- |
II. Other income |
48 |
69 |
53 |
68 |
299 |
500 |
113 |
113 |
a) Commission, exchange and brokerage |
11 |
15 |
28 |
36 |
168 |
202 |
48 |
48 |
b) Other miscellaneous income |
36 |
54 |
25 |
32 |
131 |
298 |
65 |
66 |
|
||||||||
Total (I+II) |
1635 |
1849 |
1159 |
1334 |
3151 |
3896 |
1972 |
2474 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
1140 |
1226 |
683 |
820 |
2042 |
2198 |
1272 |
1571 |
a) Interest on deposits |
939 |
1031 |
656 |
791 |
1724 |
1923 |
1064 |
1300 |
b) Interest on RBI/inter-bank borrowings |
10 |
176 |
26 |
29 |
317 |
275 |
65 |
88 |
c) Others |
191 |
20 |
1 |
- |
- |
- |
143 |
183 |
IV. Operating expenses |
392 |
516 |
284 |
334 |
817 |
1033 |
461 |
530 |
a) Payments to and provisions for employees |
349 |
468 |
219 |
281 |
729 |
926 |
383 |
451 |
b) Rent, taxes and lighting |
10 |
11 |
10 |
10 |
19 |
23 |
14 |
15 |
c) Printing and stationery |
4 |
5 |
5 |
6 |
11 |
13 |
8 |
11 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
2 |
3 |
2 |
2 |
6 |
6 |
7 |
8 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
2 |
2 |
1 |
1 |
3 |
3 |
1 |
2 |
h) Law charges |
- |
- |
- |
- |
- |
1 |
- |
1 |
i) Postage, telegrams, telephones, etc. |
3 |
4 |
2 |
3 |
10 |
14 |
5 |
5 |
j) Repairs and maintenance |
1 |
1 |
1 |
1 |
2 |
2 |
3 |
3 |
k) Insurance |
6 |
7 |
- |
- |
1 |
- |
8 |
11 |
l) Other expenditure |
15 |
16 |
43 |
30 |
35 |
45 |
31 |
23 |
V. Provisions and contingencies |
26 |
37 |
- |
- |
95 |
- |
73 |
72 |
Total expenses* |
1532 |
1742 |
967 |
1154 |
2858 |
3231 |
1733 |
2101 |
VI. Profit /loss |
77 |
69 |
192 |
180 |
197 |
666 |
166 |
301 |
|
||||||||
Total (III+IV+V+VI) |
1635 |
1849 |
1159 |
1334 |
3151 |
3896 |
1972 |
2474 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Chambal Kshetriya |
Champaran |
Chandrapur Gadchiroli |
Chhatrasal |
|||||
Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||
|
||||||||
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
|
||||||||
Items |
(73) |
(74) |
(75) |
(76) |
(77) |
(78) |
(79) |
(80) |
|
||||||||
Income |
||||||||
I. Interest Earned |
1346 |
1607 |
1833 |
2370 |
1239 |
1377 |
1628 |
1956 |
a) Interest/discount on advances/bills |
617 |
691 |
710 |
937 |
471 |
616 |
425 |
733 |
b) Income on Investments |
98 |
140 |
18 |
8 |
317 |
349 |
403 |
470 |
c) Interest on balances with |
631 |
776 |
1105 |
1425 |
452 |
412 |
800 |
753 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
- |
- |
- |
- |
- |
- |
II. Other income |
53 |
49 |
174 |
393 |
47 |
55 |
68 |
96 |
a) Commission, exchange and brokerage |
34 |
34 |
12 |
65 |
16 |
17 |
67 |
96 |
b) Other miscellaneous income |
19 |
16 |
162 |
327 |
31 |
38 |
1 |
- |
|
||||||||
Total (I+II) |
1399 |
1656 |
2007 |
2763 |
1287 |
1432 |
1696 |
2052 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
990 |
1146 |
1590 |
1817 |
816 |
873 |
938 |
1051 |
a) Interest on deposits |
886 |
1037 |
1486 |
1660 |
775 |
828 |
867 |
988 |
b) Interest on RBI/inter-bank borrowings |
104 |
108 |
- |
- |
10 |
7 |
71 |
62 |
c) Others |
- |
- |
103 |
158 |
31 |
38 |
- |
- |
IV. Operating expenses |
251 |
318 |
900 |
909 |
398 |
467 |
483 |
688 |
a) Payments to and provisions for employees |
203 |
265 |
849 |
845 |
300 |
376 |
433 |
618 |
b) Rent, taxes and lighting |
11 |
13 |
14 |
17 |
9 |
11 |
10 |
12 |
c) Printing and stationery |
3 |
4 |
5 |
6 |
4 |
4 |
7 |
9 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
1 |
e) Depreciation on Bank's property |
6 |
11 |
2 |
3 |
2 |
5 |
5 |
6 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
1 |
1 |
2 |
3 |
1 |
2 |
2 |
2 |
h) Law charges |
- |
- |
- |
- |
1 |
1 |
1 |
- |
i) Postage, telegrams, telephones, etc. |
2 |
2 |
2 |
2 |
1 |
2 |
5 |
7 |
j) Repairs and maintenance |
1 |
1 |
1 |
2 |
1 |
1 |
1 |
1 |
k) Insurance |
8 |
8 |
11 |
14 |
1 |
1 |
8 |
11 |
l) Other expenditure |
16 |
14 |
13 |
17 |
78 |
64 |
11 |
20 |
V. Provisions and contingencies |
55 |
51 |
14 |
20 |
- |
-10 |
18 |
32 |
Total expenses* |
1240 |
1464 |
2490 |
2726 |
1213 |
1340 |
1421 |
1738 |
VI. Profit /loss |
104 |
141 |
-497 |
17 |
73 |
102 |
257 |
282 |
|
||||||||
Total (III+IV+V+VI) |
1399 |
1656 |
2007 |
2763 |
1287 |
1432 |
1696 |
2052 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
||||||||
|
||||||||
Chhindwara Seoni |
Chikmagalur Kodagu |
Chitradurga |
Cuttack |
|||||
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramya Bank |
|||||
|
||||||||
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
|
||||||||
Items |
(81) |
(82) |
(83) |
(84) |
(85) |
(86) |
(87) |
(88) |
|
||||||||
Income |
||||||||
I. Interest Earned |
1206 |
1382 |
1338 |
1401 |
2677 |
2939 |
3012 |
3599 |
a) Interest/discount on advances/bills |
503 |
592 |
895 |
870 |
1734 |
1953 |
973 |
1337 |
b) Income on Investments |
70 |
765 |
123 |
134 |
428 |
565 |
497 |
826 |
c) Interest on balances with |
633 |
24 |
320 |
397 |
514 |
380 |
1543 |
1437 |
RBI and other inter-bank funds |
||||||||
d) Others |
- |
- |
- |
- |
1 |
40 |
- |
- |
II. Other income |
47 |
111 |
61 |
46 |
129 |
352 |
438 |
575 |
a) Commission, exchange and brokerage |
38 |
44 |
13 |
13 |
27 |
32 |
45 |
34 |
b) Other miscellaneous income |
9 |
67 |
48 |
33 |
102 |
319 |
393 |
541 |
|
||||||||
Total (I+II) |
1253 |
1493 |
1399 |
1446 |
2807 |
3290 |
3450 |
4174 |
|
||||||||
Expenditure & Provisions |
||||||||
III. Interest expended |
793 |
881 |
794 |
843 |
1629 |
1798 |
2587 |
2935 |
a) Interest on deposits |
771 |
848 |
621 |
684 |
1253 |
1448 |
2435 |
2706 |
b) Interest on RBI/inter-bank borrowings |
22 |
33 |
172 |
158 |
- |
351 |
152 |
229 |
c) Others |
- |
- |
- |
- |
376 |
- |
- |
- |
IV. Operating expenses |
371 |
488 |
336 |
390 |
686 |
941 |
1073 |
2238 |
a) Payments to and provisions for employees |
325 |
420 |
302 |
347 |
600 |
833 |
927 |
996 |
b) Rent, taxes and lighting |
11 |
12 |
7 |
7 |
16 |
17 |
27 |
30 |
c) Printing and stationery |
6 |
7 |
5 |
9 |
8 |
8 |
11 |
12 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
4 |
7 |
5 |
6 |
7 |
6 |
3 |
4 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
g) Auditors' fees and expenses |
2 |
2 |
2 |
2 |
3 |
3 |
4 |
4 |
h) Law charges |
- |
- |
1 |
- |
2 |
2 |
- |
- |
i) Postage, telegrams, telephones, etc. |
3 |
4 |
5 |
5 |
10 |
11 |
10 |
12 |
j) Repairs and maintenance |
- |
- |
3 |
4 |
4 |
3 |
1 |
1 |
k) Insurance |
5 |
13 |
4 |
4 |
8 |
10 |
11 |
26 |
l) Other expenditure |
15 |
23 |
4 |
5 |
29 |
48 |
77 |
1153 |
V. Provisions and contingencies |
61 |
41 |
92 |
79 |
108 |
7 |
- |
- |
Total expenses* |
1163 |
1369 |
1130 |
1233 |
2315 |
2739 |
3660 |
5173 |
VI. Profit /loss |
29 |
83 |
177 |
134 |
383 |
544 |
-210 |
-999 |
|
||||||||
Total (III+IV+V+VI) |
1253 |
1493 |
1399 |
1446 |
2807 |
3290 |
3450 |
4174 |
|
(Amount in Rs. lakh) |
||||||||
|
||||||||
For the year ended March 31 |
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|
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Damoh Panna Sagar |
Devipatan |
Dewas Shajapur |
Dhenkanal |
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Kshetriya Gramin Bank |
Kshetriya Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
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|
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2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
|
|
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Items |
(89) |
(90) |
(91) |
(92) |
(93) |
(94) |
(95) |
(96) |
|
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Income |
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I. Interest Earned |
1795 |
1946 |
2912 |
3040 |
1630 |
1738 |
2289 |
2737 |
a) Interest/discount on advances/bills |
349 |
420 |
584 |
704 |
716 |
783 |
1183 |
1505 |
b) Income on Investments |
- |
- |
989 |
1014 |
271 |
254 |
929 |
616 |
c) Interest on balances with |
- |
- |
1338 |
1322 |
642 |
701 |
177 |
616 |
RBI and other inter-bank funds |
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d) Others |
1446 |
1525 |
- |
- |
- |
- |
- |
- |
II. Other income |
50 |
203 |
65 |
148 |
49 |
164 |
52 |
77 |
a) Commission, exchange and brokerage |
32 |
60 |
20 |
38 |
8 |
13 |
26 |
31 |
b) Other miscellaneous income |
18 |
143 |
45 |
110 |
41 |
152 |
26 |
46 |
|
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Total (I+II) |
1845 |
2149 |
2977 |
3187 |
1678 |
1902 |
2341 |
2814 |
|
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Expenditure & Provisions |
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III. Interest expended |
1115 |
1256 |
1401 |
1534 |
1040 |
1087 |
1538 |
1889 |
a) Interest on deposits |
1062 |
1201 |
1319 |
1449 |
950 |
1001 |
1240 |
1523 |
b) Interest on RBI/inter-bank borrowings |
54 |
55 |
82 |
85 |
89 |
84 |
298 |
365 |
c) Others |
- |
- |
- |
1 |
1 |
1 |
- |
- |
IV. Operating expenses |
467 |
624 |
817 |
781 |
429 |
479 |
327 |
424 |
a) Payments to and provisions for employees |
427 |
544 |
740 |
689 |
381 |
427 |
277 |
356 |
b) Rent, taxes and lighting |
11 |
13 |
19 |
24 |
11 |
12 |
6 |
12 |
c) Printing and stationery |
4 |
5 |
7 |
9 |
4 |
4 |
5 |
6 |
d) Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
e) Depreciation on Bank's property |
2 |
3 |
9 |
15 |
3 |
4 |
9 |
8 |
f) Directors' fees, allowances and expenses |
- |
- |
- |
4 |
- |
- |
- |
- |
g) Auditors' fees and expenses |
1 |
1 |
2 |
2 |
2 |
1 |
1 |
2 |
h) Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
i) Postage, telegrams, telephones, etc. |
2 |
3 |
4 |
5 |
2 |
2 |
4 |
6 |
j) Repairs and maintenance |
1 |
1 |
1 |
2 |
1 |
1 |
- |
1 |
k) Insurance |
8 |
9 |
14 |
15 |
8 |
9 |
1 |
3 |
l) Other expenditure |
11 |
43 |
22 |
17 |
16 |
19 |
23 |
31 |
V. Provisions and contingencies |
- |
- |
61 |
118 |
49 |
75 |
195 |
201 |
Total expenses* |
1582 |
1880 |
2218 |
2315 |
1469 |
1565 |
1865 |
2312 |
VI. Profit /loss |
263 |
269 |
698 |
755 |
160 |
262 |
281 |
301 |
|
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Total (III+IV+V+VI) |
1845 |
2149 |
2977 |
3187 |
1678 |
1902 |
2341 |
2814 |
|
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* : Excluding ‘Provisions and Contingencies’. |
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Source : Annual accounts of banks of respective years. |