Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 4 of 8) - ଆରବିଆଇ - Reserve Bank of India
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. |