Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 4 of 8)

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ପ୍ରକାଶିତ ତାରିଖ ଡିସେମ୍ବର 31, 2001

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Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 4 of 8)

(Amount in Rs. lakh)

		For the year ended March 31

Items		Hindon		Hissar-Sirsa		Howrah		Indore Ujjain		Jaipur Nagaur		Jammu Rural
		Gramin Bank		Kshetriya		Gramin Bank		Gramin Bank		Anchalik		Bank
				Gramin Bank						Gramin Bank

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

		(145)	(146)	(147)	(148)	(149)	(150)	(151)	(152)	(153)	(154)	(155)	(156)

Income
I.	Interest Earned	496	571	1312	1505	2467	2948	761	883	4467	4874	3768	4646
	a) Interest/discount on advances/bills	123	167	630	822	411	433	356	376	1085	1208	491	550
	b) Income on Investments	365	395	245	210	1410	1319	160	113	2150	1973	0	0
	c) Interest on balances with	0	0	437	472	646	1196	246	395	1232	1694	3112	3930
	RBI and other inter-bank funds
	d) Others	8	9	0	0	0	0	0	0	0	0	165	166

II.	Other income	31	41	32	57	115	167	96	21	166	136	13	15
	a) Commission, exchange and brokerage	5	3	7	7	95	52	6	5	34	37	9	10
	b) Other miscellaneous income	27	37	25	50	20	115	91	16	133	99	4	4

	Total (I+II)	528	611	1343	1562	2582	3115	858	904	4634	5011	3781	4661


Expenditure & Provisions
III.	Interest expended	258	291	789	877	1926	2279	533	634	2873	3255	2505	3141
	a) Interest on deposits	230	263	627	710	1851	2207	449	539	2692	3034	2373	2979
	b) Interest on RBI/inter-bank borrowings	28	4	4	20	74	72	84	95	181	222	0	0
	c) Others	0	25	157	146	0	0	0	0	0	0	132	162

IV.	Operating expenses	106	120	290	333	443	487	208	219	903	1127	604	756
	a) Payments to and provisions for employees	86	99	249	255	378	412	175	187	804	1022	527	668
	b) Rent, taxes and lighting	3	3	9	11	19	21	9	10	19	20	14	13
	c) Printing and stationery	1	2	3	4	8	11	4	3	12	17	8	8
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	1
	e) Depreciation on Bank's property	2	3	4	6	5	6	2	3	6	4	6	8
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	0	1	1	1	1	2	1	1	2	3	2	2
	h) Law charges	0	0	0	0	0	0	0	0	1	1	3	3
	i) Postage, telegrams, telephones, etc.	3	2	3	3	3	4	2	2	11	11	4	5
	j) Repairs and maintenance	0	1	1	2	2	2	1	1	1	1	1	1
	k) Insurance	2	3	7	6	10	11	6	2	4	2	14	17
	l) Other expenditure	7	7	14	44	16	18	10	11	42	47	25	30

V.	Provisions and contingencies	54	-3	6	0	184	227	7	49	29	92	140	1

	Total expenses*	364	412	1079	1209	2368	2766	741	853	3776	4382	3109	3897

VI.	Profit /loss	110	203	258	353	30	122	110	2	828	537	532	762


	Total (III+IV+V+VI)	528	611	1343	1562	2582	3115	858	904	4634	5011	3781	4661

(Amount in Rs. lakh)

		For the year ended March 31

Items		Jamnagar		Jamuna		Jhabua Dhar		Junagadh		Ka Bank		Kakathiya
		Gramin Bank		Gramin Bank		Kshetriya		Amreli		Nongkyndong		Gramin Bank
						Gramin Bank		Gramin Bank

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

		(157)	(158)	(159)	(160)	(161)	(162)	(163)	(164)	(165)	(166)	(167)	(168)

Income
I.	Interest Earned	1801	2176	1796	1816	1341	1675	973	1057	1344	1391	1174	1590
	a) Interest/discount on advances/bills	716	1084	670	556	787	956	335	396	192	215	684	982
	b) Income on Investments	508	599	370	442	92	95	343	373	524	578	31	32
	c) Interest on balances with	577	494	756	818	462	623	295	288	628	597	459	576
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	0	0	0	0	0	0

II.	Other income	35	42	58	52	74	76	24	27	10	10	76	104
	a) Commission, exchange and brokerage	35	42	21	21	12	14	13	15	7	9	30	34
	b) Other miscellaneous income	0	0	37	31	62	62	11	12	4	1	47	70

	Total (I+II)	1836	2219	1855	1868	1415	1751	997	1084	1354	1401	1250	1694


Expenditure & Provisions
III.	Interest expended	1198	1412	1218	1221	1042	1253	607	657	713	754	871	1165
	a) Interest on deposits	1016	1172	1086	1107	884	1029	507	546	649	701	745	1035
	b) Interest on RBI/inter-bank borrowings	180	235	21	22	159	223	76	78	64	54	127	130
	c) Others	3	4	112	92	0	2	24	33	0	0	0	0

IV.	Operating expenses	337	342	295	316	539	555	192	196	244	302	323	342
	a) Payments to and provisions for employees	300	302	253	268	491	495	160	165	198	255	235	241
	b) Rent, taxes and lighting	10	11	12	14	13	14	5	5	13	14	13	12
	c) Printing and stationery	6	7	1	1	4	6	4	3	5	2	9	8
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	1	1
	e) Depreciation on Bank's property	3	3	4	11	2	5	1	1	2	5	9	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	1	3	0	1	1	1	1	1
	h) Law charges	0	0	0	0	1	1	0	0	0	0	0	0
	i) Postage, telegrams, telephones, etc.	2	2	4	4	2	3	2	2	1	1	4	5
	j) Repairs and maintenance	0	0	0	1	2	2	0	0	0	0	1	2
	k) Insurance	5	7	0	0	7	9	4	4	4	5	10	6
	l) Other expenditure	10	8	18	16	15	16	16	14	20	19	41	48

V.	Provisions and contingencies	0	0	162	141	14	35	0	22	52	82	61	58

	Total expenses*	1535	1754	1513	1536	1581	1808	799	853	957	1057	1194	1507

VI.	Profit /loss	301	465	179	190	-180	-92	198	210	344	263	-4	129


	Total (III+IV+V+VI)	1836	2219	1855	1868	1415	1751	997	1084	1354	1401	1250	1694

(Amount in Rs. lakh)

		For the ended March 31

Items		Kalahandi		Kalpatharu		Kamraz		Kanakadurga		Kanpur		Kapurthala
		Anchalika		Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya		Firozpur
		Gramin Bank								Gramin Bank		Kshetriya
												Gramin Bank

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

		(169)	(170)	(171)	(172)	(173)	(174)	(175)	(176)	(177)	(178)	(179)	(180)

Income
I.	Interest Earned	1103	1366	1746	2011	1319	1702	888	966	3475	3770	983	1222
	a) Interest/discount on advances/bills	535	653	820	961	246	282	509	530	771	811	282	349
	b) Income on Investments	231	234	725	890	73	90	359	428	2600	2858	344	565
	c) Interest on balances with	337	479	18	18	1000	1330	19	8	104	101	357	307
	RBI and other inter-bank funds
	d) Others	0	0	183	142	0	0	0	0	0	0	0	0

II.	Other income	25	20	186	362	51	33	35	31	309	151	63	109
	a) Commission, exchange and brokerage	0	0	117	139	8	9	8	8	58	72	4	8
	b) Other miscellaneous income	25	20	68	223	42	25	28	23	252	79	59	101

	Total (I+II)	1128	1386	1932	2373	1370	1735	923	996	3784	3921	1046	1330


Expenditure & Provisions
III.	Interest expended	620	816	1138	1310	965	1155	521	596	2283	2589	584	689
	a) Interest on deposits	472	607	952	1124	926	1095	401	469	2092	2396	532	620
	b) Interest on RBI/inter-bank borrowings	148	210	185	186	39	56	120	127	191	0	53	69
	c) Others	0	0	0	0	0	4	0	0	0	193	0	0

IV.	Operating expenses	449	468	529	559	630	576	173	204	773	965	273	343
	a) Payments to and provisions for employees	402	420	453	475	561	505	138	164	675	829	239	296
	b) Rent, taxes and lighting	11	12	17	23	13	13	8	8	21	26	5	7
	c) Printing and stationery	5	6	7	8	5	5	4	5	9	9	4	4
	d) Advertisement and publicity	0	0	0	0	0	0	1	1	0	0	0	0
	e) Depreciation on Bank's property	2	2	5	5	5	5	5	5	9	11	4	8
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	2	2	2	2	1	1	1	1	2	2	1	1
	h) Law charges	0	0	0	0	0	1	0	0	2	1	0	0
	i) Postage, telegrams, telephones, etc.	4	5	7	7	1	1	5	4	3	5	3	4
	j) Repairs and maintenance	1	1	5	3	1	1	2	2	1	1	1	1
	k) Insurance	6	4	6	11	8	9	2	2	15	17	1	1
	l) Other expenditure	18	17	26	24	36	35	8	13	37	63	14	20

V.	Provisions and contingencies	32	85	4	3	0	0	0	0	158	32	48	73

	Total expenses*	1068	1285	1667	1869	1595	1731	694	800	3056	3554	857	1032

VI.	Profit /loss	28	17	261	500	-225	4	228	197	569	335	141	225

	Total (III+IV+V+VI)	1128	1386	1932	2373	1370	1735	923	996	3784	3921	1046	1330

(Amount in Rs. lakh)

		For the year ended March 31

Items		Kashi		Kisan		Kolar		Koraput		Kosi		Krishna
		Gramin Bank		Gramin Bank		Gramin Bank		Panchabati		Kshetriya		Grameen Bank
								Gramin Bank		Gramin Bank

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

		(181)	(182)	(183)	(184)	(185)	(186)	(187)	(188)	(189)	(190)	(191)	(192)

Income
I.	Interest Earned	2700	3352	1082	1275	1724	1971	2041	2418	1962	2901	3688	4187
	a) Interest/discount on advances/bills	605	804	321	404	931	1094	875	922	474	710	2335	2679
	b) Income on Investments	1172	1587	148	187	787	872	1166	1405	32	75	813	844
	c) Interest on balances with	923	958	614	684	5	5	0	0	0	2115	541	664
	RBI and other inter-bank funds
	d) Others	0	3	0	0	0	0	0	91	1457	0	0	0

II.	Other income	78	163	34	82	114	120	37	25	208	368	137	104
	a) Commission, exchange and brokerage	41	35	19	26	65	37	0	0	55	146	95	103
	b) Other miscellaneous income	37	128	15	56	50	83	37	25	154	222	42	1

	Total (I+II)	2778	3515	1116	1357	1838	2091	2078	2443	2170	3269	3825	4290


Expenditure & Provisions
III.	Interest expended	1855	2202	557	640	994	1104	1289	1543	1537	1899	2238	2464
	a) Interest on deposits	1792	2112	496	529	823	940	1040	1269	1481	1833	1669	1911
	b) Interest on RBI/inter-bank borrowings	1	1	61	59	170	163	249	0	56	65	0	552
	c) Others	62	89	0	52	0	0	0	274	0	0	568	1

IV.	Operating expenses	613	628	371	401	472	509	653	698	1067	1116	748	778
	a) Payments to and provisions for employees	511	524	331	357	411	435	607	649	942	968	647	665
	b) Rent, taxes and lighting	16	21	8	10	16	17	12	13	16	18	18	19
	c) Printing and stationery	7	4	5	4	7	7	10	10	10	13	11	10
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	1	1	0	0
	e) Depreciation on Bank's property	8	10	4	5	6	7	5	5	6	6	5	6
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	2	2	1	1	2	2	2	2	2	4	3	3
	h) Law charges	1	1	0	1	1	1	0	1	0	1	0	0
	i) Postage, telegrams, telephones, etc.	3	4	3	3	8	7	5	4	3	4	6	6
	j) Repairs and maintenance	2	2	1	2	2	1	1	1	1	1	1	1
	k) Insurance	14	16	0	0	6	7	4	7	11	14	11	16
	l) Other expenditure	48	43	17	20	14	26	8	6	75	87	46	50

V.	Provisions and contingencies	47	105	112	114	61	90	34	24	0	2	226	85

	Total expenses*	2468	2830	928	1041	1466	1613	1943	2241	2604	3015	2985	3241

VI.	Profit /loss	263	580	76	203	311	388	102	178	-434	252	614	964

	Total (III+IV+V+VI)	2778	3515	1116	1357	1838	2091	2078	2443	2170	3269	3825	4290

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