Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 9 of 12)

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ପ୍ରକାଶିତ ତାରିଖ ନଭେମ୍ବର 20, 2000

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 9 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Patliputra		Pinakini		Pithoragarh Kshetriya		Pragjyotish
			Gramin Bank		Gramin Bank		Gramin Bank		Gaonlia Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(265)	(266)	(267)	(268)	(269)	(270)	(271)	(272)
Income

I.	Interest Earned		344	438	2105	2757	825	964	3364	4552
	a)	Interest/discount on advances/bills	61	87	1336	1725	186	211	764	1027

	b)	Income on Investments	193	250	7	874	225	247	2601	3525

	c)	Interest on balances with	91	101	761	158	415	507	-	-
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		3	5	268	184	11	15	107	134
	a)	Commission, exchange and brokerage	1	2	55	73	9	11	65	79

	b)	Other miscellaneous income	2	3	213	111	2	4	42	56
Total (I+II)			348	444	2373	2941	837	979	3471	4686
Expenditure & Provisions
III.	Interest expended		209	275	1321	1695	542	549	2269	2818
	a)	Interest on deposits	204	263	1101	1411	506	508	2023	2558

	b)	Interest on RBI/inter-bank borrowings	6	-	220	284	36	41	246	260

	c)	Others	-	12	-	-	-	-	-	-

IV.	Operating expenses		92	99	685	733	135	142	1216	1301
	a)	Payments to and provisions for employees	76	81	531	644	113	112	1092	1169

	b)	Rent, taxes and lighting	3	4	16	20	5	6	34	41

	c)	Printing and stationery	1	2	11	10	2	3	14	15

	d)	Advertisement and publicity	-	-	-	-	-	-	1	-

	e)	Depreciation on Bank's property	3	3	6	7	1	3	10	14

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	-	1	1	-	1	2	4

	h)	Law charges	-	-	2	-	-	-	1	1

	i)	Postage, telegrams, telephones, etc.	1	1	6	7	1	1	6	7

	j)	Repairs and maintenance	1	1	3	3	-	1	3	3

	k)	Insurance	3	2	1	1	3	4	3	3

	l)	Other expenditure	4	4	109	38	10	12	51	44

V.	Provisions and contingencies		-	-	-	-	-	-	181	396
	Total expenses*		301	373	2007	2428	678	692	3485	4119
VI.	Profit (loss)		46	70	366	513	159	287	-195	170
	Total (III+IV+V+VI)		348	444	2373	2941	837	979	3471	4686
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Pratapgarh Kshetriya		Prathama		Puri		Rae Bareli Kshetriya
			Gramin Bank		Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(273)	(274)	(275)	(276)	(277)	(278)	(279)	(280)
Income

I.	Interest Earned		1816	2229	5964	6902	2064	3128	2112	2408
	a)	Interest/discount on advances/bills	315	356	2492	3107	1181	1814	402	419

	b)	Income on Investments	1452	1836	3472	3795	882	1313	1115	1238

	c)	Interest on balances with	49	37	-	-	1	1	594	723
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	29

II.	Other income		56	25	542	448	71	118	15	19
	a)	Commission, exchange and brokerage	8	8	87	70	36	85	7	12

	b)	Other miscellaneous income	48	17	455	379	36	34	8	7
Total (I+II)			1872	2254	6507	7351	2135	3246	2127	2427
Expenditure & Provisions
III.	Interest expended		1200	1451	2889	3271	1708	2294	1234	1453
	a)	Interest on deposits	1152	1399	2269	2593	1474	1933	1180	1395

	b)	Interest on RBI/inter-bank borrowings	48	52	620	678	234	361	53	58

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		480	523	1560	1857	846	933	488	526
	a)	Payments to and provisions for employees	423	466	1403	1670	754	802	435	468

	b)	Rent, taxes and lighting	9	9	35	39	23	27	7	9

	c)	Printing and stationery	6	3	15	14	10	13	8	8

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	3	3	7	9	4	7	5	6

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	1	3	5	2	3	1	1

	h)	Law charges	-	-	2	2	-	-	1	-

	i)	Postage, telegrams, telephones, etc.	1	1	17	23	4	3	4	4

	j)	Repairs and maintenance	1	1	3	3	1	1	3	4

	k)	Insurance	9	10	23	28	11	15	9	7

	l)	Other expenditure	27	26	52	65	38	62	15	18

V.	Provisions and contingencies		44	68	32	61	154	-	149	92
	Total expenses*		1680	1974	4449	5128	2554	3227	1722	1978
VI.	Profit (loss)		147	212	2027	2162	-572	19	256	357
	Total (III+IV+V+VI)		1872	2254	6507	7351	2135	3246	2127	2427
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Raigarh Kshetriya		Rajgarh Kshetriya		Ranchi Kshetriya		Rani Laxmibai Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(281)	(282)	(283)	(284)	(285)	(286)	(287)	(288)
Income

I.	Interest Earned		1026	1126	714	987	1065	1289	389	477
	a)	Interest/discount on advances/bills	181	218	325	470	343	376	178	247

	b)	Income on Investments	35	25	196	240	311	242	41	60

	c)	Interest on balances with	811	883	192	276	411	672	-	170
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	170	-

II.	Other income		21	115	48	32	31	26	12	17
	a)	Commission, exchange and brokerage	13	13	9	4	4	5	5	4

	b)	Other miscellaneous income	9	102	40	28	27	21	8	13
Total (I+II)			1047	1241	762	1018	1096	1315	401	494
Expenditure & Provisions
III.	Interest expended		648	749	555	729	853	996	465	485
	a)	Interest on deposits	612	708	490	632	770	920	414	450

	b)	Interest on RBI/inter-bank borrowings	36	40	2	5	83	-	-	35

	c)	Others	-	-	63	93	-	76	51	-

IV.	Operating expenses		338	357	256	277	425	465	341	302
	a)	Payments to and provisions for employees	301	338	219	238	385	414	287	258

	b)	Rent, taxes and lighting	6	7	8	9	10	11	10	10

	c)	Printing and stationery	4	4	4	4	3	7	3	4

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	1	1	3	3	4	6	2	2

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	-	1	1	1	1	-	-

	h)	Law charges	-	-	-	-	-	-	-	-

	i)	Postage, telegrams, telephones, etc.	2	2	2	2	2	2	2	3

	j)	Repairs and maintenance	1	1	1	1	1	1	-	1

	k)	Insurance	5	5	1	-	3	8	1	-

	l)	Other expenditure	18	-1	19	19	17	17	36	24

V.	Provisions and contingencies		19	55	-	-	-76	30	26	170
	Total expenses*		986	1106	812	996	1278	1461	807	787
VI.	Profit (loss)		42	79	-49	22	-105	-176	-432	-462
	Total (III+IV+V+VI)		1047	1241	762	1018	1096	1315	401	494
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Rashikulya		Ratlam Mandsaur Kshetriya		Ratnagiri Sindhudurg		Rayalaseema
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(289)	(290)	(291)	(292)	(293)	(294)	(295)	(296)
Income

I.	Interest Earned		1897	2300	978	1127	717	828	5014	5936
	a)	Interest/discount on advances/bills	651	817	272	307	321	350	3198	3637

	b)	Income on Investments	1246	1483	687	806	188	276	227	184

	c)	Interest on balances with	-	-	18	13	207	200	1590	2115
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	2	-	-

II.	Other income		48	113	26	49	18	22	217	242
	a)	Commission, exchange and brokerage	20	19	25	33	3	4	94	106

	b)	Other miscellaneous income	28	94	1	16	15	18	123	136
Total (I+II)			1946	2413	1004	1176	735	850	5231	6178
Expenditure & Provisions
III.	Interest expended		1249	1712	648	788	497	578	2900	3471
	a)	Interest on deposits	1119	1545	589	711	457	537	2379	2918

	b)	Interest on RBI/inter-bank borrowings	130	167	60	76	40	41	521	553

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		446	478	256	244	206	230	1335	1425
	a)	Payments to and provisions for employees	393	423	223	204	172	192	1078	1231

	b)	Rent, taxes and lighting	12	14	8	10	8	9	35	36

	c)	Printing and stationery	7	10	5	3	5	5	15	18

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	7	8	2	8	5	6	9	16

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	2	1	1	1	2	2	4

	h)	Law charges	-	-	-	-	-	-	1	1

	i)	Postage, telegrams, telephones, etc.	4	3	1	1	2	2	18	21

	j)	Repairs and maintenance	2	2	-	1	1	1	-	-

	k)	Insurance	1	7	5	4	3	4	14	20

	l)	Other expenditure	19	8	59	13	9	10	162	78

V.	Provisions and contingencies		-	90	50	44	19	31	81	286
	Total expenses*		1695	2190	904	1032	703	808	4235	4896
VI.	Profit (loss)		251	133	50	100	13	11	915	996
	Total (III+IV+V+VI)		1946	2413	1004	1176	735	850	5231	6178