Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 1 of 8) - ଆରବିଆଇ - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 1 of 8)
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Adhiyaman | Akola Gramin | Alaknanda | Aligarh Gramin | Allahabad | Alwar Bharatpur | ||||||||
Items | Gramin Bank | Bank | Gramin Bank | Bank | Kshetriya | Gramin Bank | |||||||
Gramin Bank | |||||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | (9) | (10) | (11) | (12) | ||
Income | |||||||||||||
I. | Interest Earned | 623 | 758 | 508 | 733 | 834 | 1031 | 4512 | 4920 | 2637 | 3057 | 1592 | 2096 |
a) Interest/discount on advances/bills | 362 | 436 | 330 | 494 | 149 | 210 | 1613 | 1780 | 584 | 659 | 747 | 1103 | |
b) Income on Investments | 84 | 120 | 0 | 0 | 130 | 167 | 1508 | 1284 | 601 | 527 | 402 | 678 | |
c) Interest on balances with | 177 | 202 | 178 | 238 | 555 | 654 | 1391 | 1856 | 1452 | 1863 | 443 | 315 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 0 | 0 | |
II. | Other income | 60 | 43 | 146 | 141 | 20 | 33 | 123 | 121 | 122 | 144 | 109 | 193 |
a) Commission, exchange and brokerage | 21 | 17 | 51 | 61 | 11 | 15 | 46 | 39 | 6 | 28 | 22 | 44 | |
b) Other miscellaneous income | 40 | 27 | 95 | 80 | 9 | 18 | 77 | 83 | 116 | 117 | 87 | 149 | |
Total (I+II) | 683 | 801 | 655 | 873 | 853 | 1063 | 4635 | 5042 | 2759 | 3201 | 1701 | 2289 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 329 | 408 | 348 | 430 | 513 | 681 | 2688 | 2958 | 1730 | 1993 | 1047 | 1297 |
a) Interest on deposits | 265 | 312 | 270 | 324 | 472 | 643 | 2374 | 2710 | 1672 | 1929 | 916 | 1082 | |
b) Interest on RBI/inter-bank borrowings | 65 | 96 | 0 | 0 | 41 | 38 | 314 | 248 | 58 | 64 | 132 | 215 | |
c) Others | 0 | 0 | 78 | 105 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 161 | 175 | 259 | 267 | 216 | 243 | 708 | 746 | 705 | 729 | 546 | 580 |
a) Payments to and provisions for employees | 128 | 148 | 233 | 238 | 181 | 201 | 629 | 671 | 531 | 640 | 492 | 500 | |
b) Rent, taxes and lighting | 5 | 6 | 8 | 8 | 5 | 6 | 19 | 21 | 15 | 16 | 12 | 15 | |
c) Printing and stationery | 3 | 4 | 3 | 3 | 3 | 3 | 7 | 4 | 7 | 8 | 5 | 6 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 3 | 4 | 2 | 2 | 2 | 1 | 5 | 4 | 4 | 5 | 5 | 9 | |
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 | 1 | 1 | 2 | 3 | 2 | 2 | 1 | 3 | |
h) Law charges | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 0 | 1 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 4 | 1 | 1 | 1 | 2 | 2 | 7 | 8 | 1 | 2 | 4 | 6 | |
j) Repairs and maintenance | 2 | 2 | 0 | 0 | 1 | 1 | 0 | 1 | 0 | 0 | 2 | 4 | |
k) Insurance | 1 | 1 | 3 | 4 | 2 | 4 | 1 | 2 | 14 | 16 | 7 | 9 | |
l) Other expenditure | 14 | 8 | 9 | 9 | 19 | 22 | 37 | 31 | 130 | 39 | 16 | 28 | |
V. | Provisions and contingencies | 24 | 32 | 0 | 44 | 8 | 0 | 372 | 168 | 59 | 74 | 0 | 0 |
Total expenses* | 491 | 583 | 607 | 697 | 728 | 924 | 3396 | 3705 | 2435 | 2722 | 1593 | 1877 | |
VI. | Profit /loss | 169 | 187 | 47 | 133 | 117 | 139 | 866 | 1169 | 265 | 405 | 108 | 413 |
Total (III+IV+V+VI) | 683 | 801 | 655 | 873 | 853 | 1063 | 4635 | 5042 | 2759 | 3201 | 1701 | 2289 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Ambala | Aravali | Arunachal | Aurangabad | Avadh | Baitarani | |||||||
Kurukshetra | Kshetriya | Pradesh | Jalana | Gramin Bank | Gramin Bank | ||||||||
Gramin Bank | Gramin Bank | Rural Bank | Gramin Bank | ||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(13) | (14) | (15) | (16) | (17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) | ||
Income | |||||||||||||
I. | I. Interest Earned | 1278 | 1372 | 992 | 1067 | 439 | 444 | 1441 | 2074 | 4357 | 5164 | 1647 | 2266 |
a) Interest/discount on advances/bills | 674 | 729 | 480 | 526 | 381 | 403 | 808 | 1136 | 803 | 987 | 620 | 946 | |
b) Income on Investments | 292 | 259 | 149 | 94 | 51 | 35 | 618 | 836 | 3523 | 4122 | 495 | 520 | |
c) Interest on balances with | 313 | 385 | 286 | 362 | 6 | 6 | 14 | 102 | 31 | 55 | 532 | 800 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 78 | 85 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
II. | Other income | 34 | 50 | 48 | 60 | 22 | 22 | 274 | 74 | 58 | 82 | 19 | 52 |
a) Commission, exchange and brokerage | 6 | 6 | 16 | 21 | 9 | 10 | 106 | 57 | 16 | 21 | 7 | 10 | |
b) Other miscellaneous income | 29 | 44 | 31 | 39 | 13 | 12 | 168 | 16 | 43 | 61 | 12 | 42 | |
Total (I+II) | 1313 | 1422 | 1040 | 1127 | 461 | 467 | 1715 | 2148 | 4415 | 5246 | 1666 | 2318 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 820 | 867 | 905 | 966 | 218 | 266 | 767 | 1112 | 2663 | 3022 | 1293 | 1565 |
a) Interest on deposits | 670 | 715 | 776 | 849 | 169 | 211 | 540 | 785 | 2527 | 2895 | 1144 | 1368 | |
b) Interest on RBI/inter-bank borrowings | 150 | 151 | 130 | 117 | 49 | 56 | 227 | 327 | 137 | 127 | 149 | 197 | |
c) Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 245 | 336 | 399 | 527 | 119 | 125 | 415 | 496 | 846 | 1093 | 616 | 649 |
a) Payments to and provisions for employees | 205 | 274 | 347 | 474 | 90 | 92 | 322 | 367 | 767 | 945 | 572 | 597 | |
b) Rent, taxes and lighting | 8 | 8 | 10 | 11 | 6 | 8 | 14 | 18 | 23 | 27 | 12 | 12 | |
c) Printing and stationery | 2 | 3 | 5 | 5 | 3 | 4 | 8 | 18 | 13 | 24 | 4 | 2 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 7 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 3 | 5 | 4 | 3 | 1 | 2 | 17 | 30 | 12 | 45 | 2 | 0 | |
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 | 2 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 2 | 3 | |
h) Law charges | 1 | 2 | 3 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 4 | 0 | |
i) Postage, telegrams, telephones, etc. | 3 | 3 | 4 | 4 | 1 | 1 | 5 | 6 | 1 | 3 | 1 | 3 | |
j) Repairs and maintenance | 0 | 1 | 2 | 1 | 1 | 0 | 2 | 2 | 4 | 5 | 1 | 1 | |
k) Insurance | 1 | 11 | 6 | 6 | 3 | 5 | 4 | 5 | 11 | 22 | 9 | 11 | |
l) Other expenditure | 21 | 28 | 16 | 19 | 12 | 12 | 37 | 40 | 13 | 17 | 9 | 19 | |
V. | Provisions and contingencies | 71 | 40 | 65 | 107 | 69 | 255 | 0 | 64 | 179 | 99 | -78 | 1 |
Total expenses* | 1065 | 1202 | 1305 | 1493 | 337 | 391 | 1182 | 1608 | 3510 | 4114 | 1909 | 2214 | |
VI. | Profit /loss | 176 | 180 | -330 | -473 | 55 | -179 | 533 | 476 | 726 | 1033 | -165 | 103 |
Total (III+IV+V+VI) | 1313 | 1422 | 1040 | 1127 | 461 | 467 | 1715 | 2148 | 4415 | 5246 | 1666 | 2318 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Balasore | Ballia Kshetriya | Banaskantha | Bara Banki | Bardhaman | Bareilly | |||||||
Gramya Bank | Gramin Bank | Mehsana | Gramin Bank | Gramin Bank | Kshetriya | ||||||||
Gramin Bank | Gramin Bank | ||||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) | (33) | (34) | (35) | (36) | ||
Income | |||||||||||||
I. | Interest Earned | 373 | 476 | 2823 | 3136 | 1683 | 2125 | 2684 | 2951 | 3391 | 3799 | 1988 | 2278 |
a) Interest/discount on advances/bills | 207 | 220 | 516 | 494 | 693 | 943 | 501 | 588 | 668 | 802 | 700 | 830 | |
b) Income on Investments | 0 | 3 | 2281 | 2625 | 619 | 872 | 1517 | 1591 | 892 | 769 | 1273 | 1425 | |
c) Interest on balances with | 166 | 253 | 0 | 0 | 356 | 308 | 629 | 734 | 1832 | 2228 | 16 | 22 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 26 | 17 | 15 | 2 | 37 | 38 | 0 | 0 | 0 | 0 | |
II. | Other income | 30 | 23 | 112 | 125 | 101 | 98 | 31 | 79 | 204 | 221 | 90 | 87 |
a) Commission, exchange and brokerage | 5 | 6 | 36 | 37 | 10 | 16 | 21 | 27 | 37 | 26 | 17 | 24 | |
b) Other miscellaneous income | 25 | 16 | 77 | 89 | 90 | 82 | 10 | 52 | 168 | 195 | 73 | 64 | |
Total (I+II) | 404 | 499 | 2935 | 3261 | 1783 | 2223 | 2715 | 3031 | 3596 | 4020 | 2078 | 2365 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 693 | 882 | 1835 | 2033 | 1215 | 1527 | 1629 | 1771 | 2672 | 3040 | 1027 | 1148 |
a) Interest on deposits | 577 | 865 | 1704 | 1894 | 1053 | 1296 | 1520 | 1666 | 2590 | 2953 | 886 | 988 | |
b) Interest on RBI/inter-bank borrowings | 10 | 1 | 3 | 2 | 162 | 231 | 109 | 105 | 82 | 86 | 0 | 8 | |
c) Others | 106 | 16 | 128 | 137 | 0 | 0 | 0 | 0 | 0 | 0 | 141 | 151 | |
IV. | Operating expenses | 464 | 464 | 567 | 617 | 532 | 515 | 654 | 763 | 666 | 721 | 547 | 646 |
a) Payments to and provisions for employees | 420 | 418 | 517 | 567 | 400 | 446 | 604 | 705 | 600 | 648 | 486 | 576 | |
b) Rent, taxes and lighting | 10 | 11 | 9 | 9 | 8 | 10 | 11 | 11 | 16 | 19 | 15 | 16 | |
c) Printing and stationery | 3 | 4 | 4 | 4 | 5 | 6 | 6 | 6 | 8 | 8 | 6 | 7 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 1 | 2 | 2 | 2 | 4 | 4 | 3 | 3 | 3 | 3 | 3 | 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 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | |
h) Law charges | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | |
i) Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 3 | 3 | 4 | 3 | 2 | 3 | 3 | 3 | 3 | |
j) Repairs and maintenance | 0 | 0 | 0 | 0 | 4 | 3 | 1 | 1 | 1 | 1 | 7 | 8 | |
k) Insurance | 11 | 7 | 10 | 12 | 0 | 1 | 0 | 2 | 6 | 15 | 10 | 11 | |
l) Other expenditure | 15 | 20 | 21 | 18 | 105 | 39 | 24 | 31 | 25 | 23 | 15 | 21 | |
V. | Provisions and contingencies | 80 | 79 | 0 | 0 | 0 | 0 | -34 | -10 | 157 | 191 | 0 | 60 |
Total expenses* | 1157 | 1346 | 2402 | 2650 | 1747 | 2042 | 2283 | 2535 | 3338 | 3761 | 1574 | 1794 | |
VI. | Profit /loss | -834 | -926 | 534 | 611 | 37 | 182 | 467 | 506 | 100 | 68 | 504 | 511 |
Total (III+IV+V+VI) | 404 | 499 | 2936 | 3261 | 1783 | 2223 | 2715 | 3031 | 3596 | 4020 | 2078 | 2365 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Bastar Kshetriya | Basti | Begusarai | Bhagalpur Banka | Bhagirath | Bhandara | |||||||
Gramin Bank | Gramin Bank | Kshetriya | Kshetriya | Gramin Bank | Gramin Bank | ||||||||
Gramin Bank | Gramin Bank | ||||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(37) | (38) | (39) | (40) | (41) | (42) | (43) | (44) | (45) | (46) | (47) | (48) | ||
Income | |||||||||||||
I. | Interest Earned | 522 | 596 | 3376 | 3679 | 485 | 608 | 613 | 1327 | 4307 | 4552 | 814 | 924 |
a) Interest/discount on advances/bills | 172 | 205 | 518 | 600 | 66 | 80 | 184 | 168 | 666 | 761 | 384 | 468 | |
b) Income on Investments | 10 | 10 | 2805 | 3021 | 416 | 526 | 425 | 1154 | 3636 | 3787 | 99 | 134 | |
c) Interest on balances with | 340 | 381 | 53 | 58 | 3 | 2 | 0 | 5 | 5 | 4 | 331 | 322 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | |
II. | Other income | 8 | 36 | 44 | 56 | 26 | 70 | 14 | 61 | 147 | 247 | 46 | 36 |
a) Commission, exchange and brokerage | 8 | 14 | 41 | 52 | 3 | 13 | 8 | 6 | 146 | 246 | 1 | 5 | |
b) Other miscellaneous income | 0 | 22 | 3 | 5 | 23 | 57 | 6 | 55 | 1 | 0 | 45 | 32 | |
Total (I+II) | 530 | 632 | 3420 | 3736 | 510 | 678 | 627 | 1388 | 4454 | 4799 | 860 | 960 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 561 | 644 | 1523 | 1986 | 289 | 332 | 512 | 1152 | 1806 | 1969 | 593 | 685 |
a) Interest on deposits | 538 | 624 | 1380 | 1855 | 277 | 323 | 486 | 544 | 1645 | 1804 | 538 | 615 | |
b) Interest on RBI/inter-bank borrowings | 23 | 21 | 142 | 131 | 12 | 9 | 26 | 603 | 161 | 165 | 56 | 71 | |
c) Others | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 406 | 424 | 614 | 663 | 99 | 131 | 139 | 145 | 802 | 866 | 266 | 283 |
a) Payments to and provisions for employees | 381 | 393 | 544 | 581 | 86 | 116 | 114 | 114 | 713 | 764 | 235 | 242 | |
b) Rent, taxes and lighting | 6 | 6 | 11 | 14 | 3 | 4 | 8 | 7 | 21 | 26 | 8 | 9 | |
c) Printing and stationery | 4 | 4 | 7 | 8 | 2 | 1 | 2 | 2 | 9 | 11 | 3 | 6 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 1 | 1 | 3 | 5 | 2 | 2 | 3 | 2 | 7 | 7 | 3 | 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 | 1 | 1 | 2 | 0 | 0 | 1 | 1 | 2 | 2 | 1 | 1 | |
h) Law charges | 1 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 2 | 2 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 1 | 2 | 3 | 3 | 1 | 1 | 1 | 1 | 3 | 4 | 1 | 1 | |
j) Repairs and maintenance | 1 | 1 | 2 | 2 | 1 | 0 | 0 | 0 | 3 | 4 | 0 | 0 | |
k) Insurance | 12 | 14 | 6 | 11 | 2 | 3 | 4 | 5 | 16 | 18 | 0 | 5 | |
l) Other expenditure | 2 | 2 | 35 | 34 | 2 | 2 | 6 | 13 | 26 | 28 | 14 | 15 | |
V. | Provisions and contingencies | 8 | 0 | 18 | 46 | 75 | 0 | 97 | 8 | 224 | 33 | 0 | 16 |
Total expenses* | 967 | 1069 | 2136 | 2649 | 388 | 463 | 651 | 1297 | 2608 | 2836 | 858 | 968 | |
VI. | Profit /loss | -446 | -437 | 1265 | 1041 | 47 | 216 | -121 | 83 | 1622 | 1930 | 2 | -24 |
Total (III+IV+V+VI) | 530 | 632 | 3420 | 3736 | 510 | 678 | 627 | 1388 | 4454 | 4799 | 860 | 960 | |
*: Excluding `Provisions and Contingencies' | |||||||||||||
Source : Annual accounts of banks of respective years. |