Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 5 of 8) - ଆରବିଆଇ - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 5 of 8)
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Kshetriya | Kutch | K.Kisan | Lakhimi | Langpi Dehangi | Madhubani | |||||||
Gramin Bank | GramIn Bank | Gramin Bank | Gaonlia Bank | Rural Bank | Kshetriya | ||||||||
Gramin Bank | |||||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(193) | (194) | (195) | (196) | (197) | (198) | (199) | (200) | (201) | (202) | (203) | (204) | ||
Income | |||||||||||||
I. | Interest Earned | 2035 | 2496 | 1442 | 1707 | 1007 | 1155 | 1738 | 2213 | 486 | 447 | 725 | 725 |
a) Interest/discount on advances/bills | 800 | 981 | 446 | 460 | 486 | 562 | 295 | 337 | 56 | 56 | 257 | 257 | |
b) Income on Investments | 112 | 116 | 809 | 977 | 99 | 97 | 1234 | 1876 | 423 | 383 | 0 | 0 | |
c) Interest on balances with | 1123 | 1399 | 187 | 271 | 423 | 497 | 0 | 0 | 0 | 0 | 469 | 469 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 0 | 0 | 0 | 0 | 209 | 0 | 7 | 8 | 0 | 0 | |
II. | Other income | 42 | 48 | 58 | 50 | 22 | 23 | 245 | 182 | 26 | 34 | 60 | 60 |
a) Commission, exchange and brokerage | 33 | 43 | 21 | 17 | 10 | 4 | 38 | 46 | 15 | 22 | 11 | 11 | |
b) Other miscellaneous income | 9 | 4 | 37 | 33 | 12 | 19 | 207 | 136 | 11 | 11 | 50 | 50 | |
Total (I+II) | 2077 | 2544 | 1500 | 1757 | 1029 | 1178 | 1983 | 2395 | 513 | 481 | 785 | 785 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 1257 | 1524 | 939 | 1091 | 808 | 925 | 1081 | 1251 | 300 | 312 | 750 | 750 |
a) Interest on deposits | 1097 | 1357 | 838 | 961 | 713 | 835 | 1026 | 1208 | 285 | 300 | 720 | 720 | |
b) Interest on RBI/inter-bank borrowings | 16 | 3 | 101 | 130 | 95 | 90 | 55 | 43 | 15 | 13 | 30 | 30 | |
c) Others | 143 | 164 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 583 | 697 | 285 | 307 | 401 | 452 | 641 | 695 | 254 | 266 | 502 | 502 |
a) Payments to and provisions for employees | 519 | 619 | 251 | 269 | 360 | 383 | 568 | 603 | 218 | 229 | 474 | 474 | |
b) Rent, taxes and lighting | 16 | 19 | 7 | 9 | 10 | 10 | 15 | 18 | 4 | 5 | 6 | 6 | |
c) Printing and stationery | 6 | 9 | 4 | 5 | 3 | 4 | 7 | 8 | 4 | 4 | 3 | 3 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 5 | 6 | 7 | 7 | 4 | 4 | 3 | 4 | 1 | 2 | 2 | 2 | |
f) Directors' fees, allowances and expenses | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
g) Auditors' fees and expenses | 2 | 2 | 0 | 1 | 0 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | |
h) Law charges | 1 | 1 | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 3 | 3 | 3 | 3 | 1 | 1 | 2 | 3 | 0 | 0 | 1 | 1 | |
j) Repairs and maintenance | 1 | 0 | 1 | 1 | 0 | 2 | 3 | 3 | 1 | 0 | 2 | 2 | |
k) Insurance | 8 | 11 | 5 | 6 | 6 | 13 | 1 | 1 | 3 | 4 | 5 | 5 | |
l) Other expenditure | 23 | 27 | 8 | 5 | 14 | 30 | 42 | 53 | 23 | 21 | 8 | 8 | |
V. | Provisions and contingencies | 85 | 116 | 0 | 0 | -9 | 98 | 117 | 74 | 42 | 65 | 21 | 21 |
Total expenses* | 1841 | 2221 | 1225 | 1398 | 1209 | 1377 | 1722 | 1946 | 554 | 579 | 1253 | 1253 | |
VI. | Profit /loss | 151 | 206 | 275 | 359 | -171 | -297 | 144 | 375 | -83 | -163 | -488 | -488 |
Total (III+IV+V+VI) | 2077 | 2544 | 1500 | 1757 | 1029 | 1178 | 1983 | 2395 | 513 | 481 | 785 | 785 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Magadh | Mahakaushal | Malaprabha | Mallabhum | Malwa | Mandla Balaghat | |||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | Kshetriya | ||||||||
Gramin Bank | |||||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(205) | (206) | (207) | (208) | (209) | (210) | (211) | (212) | (213) | (214) | (215) | (216) | ||
Income | |||||||||||||
I. | Interest Earned | 4536 | 5358 | 528 | 784 | 8089 | 9514 | 5440 | 6503 | 1290 | 1503 | 659 | 870 |
a) Interest/discount on advances/bills | 602 | 1007 | 71 | 137 | 5213 | 6434 | 1481 | 1817 | 531 | 585 | 119 | 179 | |
b) Income on Investments | 3934 | 4351 | 9 | 9 | 1568 | 1642 | 1974 | 2241 | 293 | 242 | 36 | 48 | |
c) Interest on balances with | 0 | 0 | 143 | 224 | 1309 | 1438 | 0 | 81 | 466 | 677 | 504 | 643 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 304 | 415 | 0 | 0 | 1985 | 2364 | 0 | 0 | 0 | 0 | ||
II. | Other income | 603 | 679 | 49 | 67 | 422 | 521 | 358 | 261 | 38 | 30 | 17 | 50 |
a) Commission, exchange and brokerage | 8 | 10 | 16 | 20 | 87 | 124 | 358 | 261 | 21 | 20 | 11 | 19 | |
b) Other miscellaneous income | 596 | 669 | 34 | 47 | 335 | 397 | 0 | 0 | 17 | 10 | 5 | 30 | |
Total (I+II) | 5139 | 6037 | 577 | 851 | 8511 | 10035 | 5798 | 6764 | 1328 | 1533 | 676 | 919 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 2682 | 2995 | 574 | 781 | 4361 | 5285 | 4128 | 4869 | 711 | 803 | 480 | 556 |
a) Interest on deposits | 2562 | 2873 | 264 | 355 | 3285 | 4125 | 3977 | 4729 | 561 | 632 | 462 | 539 | |
b) Interest on RBI/inter-bank borrowings | 3 | 3 | 6 | 10 | 1077 | 1160 | 0 | 0 | 150 | 171 | 18 | 17 | |
c) Others | 118 | 119 | 304 | 415 | 0 | 0 | 151 | 139 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 1046 | 907 | 241 | 259 | 2260 | 2843 | 1580 | 1731 | 215 | 222 | 271 | 304 |
a) Payments to and provisions for employees | 961 | 818 | 220 | 238 | 1908 | 2396 | 1447 | 1588 | 184 | 184 | 240 | 269 | |
b) Rent, taxes and lighting | 14 | 15 | 8 | 8 | 52 | 60 | 32 | 29 | 7 | 7 | 6 | 7 | |
c) Printing and stationery | 7 | 8 | 2 | 2 | 24 | 27 | 11 | 13 | 2 | 3 | 3 | 3 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 4 | 5 | 2 | 1 | 30 | 55 | 4 | 5 | 2 | 3 | 1 | 1 | |
f) Directors' fees, allowances and expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
g) Auditors' fees and expenses | 4 | 3 | 1 | 1 | 6 | 7 | 4 | 4 | 1 | 1 | 1 | 1 | |
h) Law charges | 1 | 1 | 0 | 0 | 1 | 2 | 1 | 1 | 0 | 0 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 6 | 7 | 1 | 1 | 28 | 27 | 1 | 4 | 1 | 2 | 1 | 1 | |
j) Repairs and maintenance | 2 | 1 | 0 | 0 | 1 | 5 | 2 | 3 | 0 | 0 | 0 | 0 | |
k) Insurance | 19 | 20 | 2 | 4 | 21 | 28 | 26 | 32 | 3 | 4 | 3 | 4 | |
l) Other expenditure | 29 | 31 | 5 | 5 | 187 | 237 | 52 | 52 | 13 | 17 | 16 | 18 | |
V. | Provisions and contingencies | 788 | 727 | 2 | 1 | 41 | 327 | 46 | -102 | 0 | 0 | 13 | 38 |
Total expenses* | 3728 | 3902 | 815 | 1040 | 6622 | 8128 | 5708 | 6599 | 926 | 1025 | 751 | 860 | |
VI. | VI. Profit /loss | 624 | 1408 | -240 | -190 | 1848 | 1580 | 44 | 266 | 402 | 509 | -88 | 21 |
Total (III+IV+V+VI) | 5139 | 6037 | 577 | 851 | 8511 | 10035 | 5798 | 6764 | 1328 | 1533 | 676 | 919 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Manipur | Manjira | Marathwada | Marudhar | Marwar | Mayurakshi | |||||||
Rural Bank | Gramin Bank | Rural Bank | Kshetriya | Gramin Bank | Gramin Bank | ||||||||
Gramin Bank | |||||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(217) | (218) | (219) | (220) | (221) | (222) | (223) | (224) | (225) | (226) | (227) | (228) | ||
Income | |||||||||||||
I. | Interest Earned | 200 | 234 | 2664 | 3078 | 4446 | 4916 | 685 | 746 | 4903 | 5643 | 2151 | 2586 |
a) Interest/discount on advances/bills | 50 | 76 | 1467 | 1657 | 1944 | 1965 | 337 | 399 | 1602 | 1934 | 600 | 806 | |
b) Income on Investments | 22 | 35 | 529 | 581 | 2286 | 2879 | 13 | 11 | 1782 | 1765 | 0 | 0 | |
c) Interest on balances with | 128 | 123 | 668 | 840 | 6 | 4 | 0 | 0 | 1352 | 1765 | 803 | 997 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 0 | 0 | 210 | 67 | 335 | 336 | 166 | 178 | 748 | 784 | |
II. | Other income | 16 | 8 | 145 | 129 | 358 | 374 | 146 | 21 | 152 | 131 | 183 | 306 |
a) Commission, exchange and brokerage | 4 | 4 | 45 | 43 | 105 | 107 | 4 | 4 | 134 | 88 | 124 | 176 | |
b) Other miscellaneous income | 12 | 4 | 100 | 87 | 253 | 267 | 142 | 17 | 17 | 43 | 59 | 130 | |
Total (I+II) | 215 | 242 | 2809 | 3207 | 4804 | 5290 | 831 | 767 | 5055 | 5774 | 2334 | 2892 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 121 | 122 | 1638 | 1870 | 2676 | 2982 | 701 | 785 | 3779 | 4477 | 1992 | 1848 |
a) Interest on deposits | 105 | 110 | 1262 | 1469 | 2154 | 2480 | 611 | 684 | 3592 | 4337 | 1909 | 1781 | |
b) Interest on RBI/inter-bank borrowings | 16 | 13 | 376 | 401 | 110 | 115 | 0 | 0 | 187 | 140 | 83 | 67 | |
c) Others | 0 | 0 | 0 | 0 | 412 | 388 | 90 | 101 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 137 | 152 | 620 | 697 | 1676 | 1807 | 411 | 429 | 954 | 1010 | 741 | 819 |
a) Payments to and provisions for employees | 124 | 133 | 438 | 461 | 1467 | 1564 | 340 | 363 | 843 | 862 | 673 | 699 | |
b) Rent, taxes and lighting | 4 | 4 | 16 | 17 | 36 | 40 | 7 | 7 | 16 | 20 | 12 | 14 | |
c) Printing and stationery | 4 | 3 | 7 | 10 | 11 | 17 | 3 | 3 | 9 | 10 | 6 | 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 | 10 | 12 | 16 | 17 | 2 | 2 | 4 | 5 | 2 | 2 | |
f) Directors' fees, allowances and expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
g) Auditors' fees and expenses | 0 | 0 | 2 | 2 | 5 | 5 | 1 | 1 | 3 | 4 | 1 | 2 | |
h) Law charges | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 0 | 0 | 8 | 6 | 16 | 16 | 2 | 2 | 11 | 1 | 1 | 1 | |
j) Repairs and maintenance | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 1 | 12 | 0 | 1 | |
k) Insurance | 1 | 1 | 9 | 11 | 15 | 19 | 4 | 4 | 1 | 2 | 21 | 33 | |
l) Other expenditure | 2 | 8 | 128 | 175 | 109 | 129 | 51 | 47 | 65 | 94 | 23 | 60 | |
V. | Provisions and contingencies | 6 | 0 | 0 | 27 | 251 | 450 | 0 | 0 | 53 | 25 | 95 | 70 |
Total expenses* | 257 | 274 | 2258 | 2568 | 4352 | 4789 | 1112 | 1215 | 4733 | 5487 | 2732 | 2667 | |
VI. | Profit /loss | -48 | -32 | 551 | 612 | 201 | 51 | -281 | -448 | 268 | 262 | -494 | 155 |
Total (III+IV+V+VI) | 215 | 242 | 2809 | 3207 | 4804 | 5290 | 831 | 767 | 5055 | 5774 | 2334 | 2892 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Mewar | Mithila | Mizoram | Monghyr | Murshidabad | Muzaffarnagar | |||||||
Anchalik | Kshetriya | Rural Bank | Kshetriya | Gramin Bank | Gramin Bank | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(229) | (230) | (231) | (232) | (233) | (234) | (235) | (236) | (237) | (238) | (239) | (240) | ||
Income | |||||||||||||
I. | Interest Earned | 1759 | 1902 | 1091 | 1450 | 618 | 682 | 2242 | 2501 | 1089 | 1285 | 753 | 737 |
a) Interest/discount on advances/bills | 419 | 517 | 165 | 251 | 121 | 177 | 211 | 290 | 286 | 353 | 210 | 231 | |
b) Income on Investments | 300 | 334 | 34 | 47 | 179 | 114 | 585 | 459 | 515 | 508 | 335 | 290 | |
c) Interest on balances with | 939 | 943 | 893 | 1153 | 317 | 391 | 1446 | 1753 | 288 | 423 | 208 | 217 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 101 | 107 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
II. | Other income | 78 | 104 | 74 | 185 | 8 | 27 | 58 | 52 | 68 | 70 | 15 | 66 |
a) Commission, exchange and brokerage | 11 | 16 | 9 | 7 | 8 | 10 | 8 | 11 | 14 | 14 | 5 | 5 | |
b) Other miscellaneous income | 67 | 88 | 64 | 177 | 0 | 16 | 49 | 41 | 53 | 56 | 10 | 60 | |
Total (I+II) | 1837 | 2006 | 1165 | 1635 | 625 | 708 | 2299 | 2553 | 1157 | 1354 | 768 | 803 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 1346 | 1592 | 927 | 1041 | 289 | 355 | 1702 | 1950 | 807 | 960 | 374 | 404 |
a) Interest on deposits | 1278 | 1518 | 914 | 1012 | 259 | 322 | 1668 | 1919 | 760 | 902 | 319 | 332 | |
b) Interest on RBI/inter-bank borrowings | 4 | 4 | 13 | 29 | 31 | 33 | 33 | 31 | 46 | 57 | 17 | 31 | |
c) Others | 64 | 70 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39 | 42 | |
IV. | Operating expenses | 375 | 452 | 476 | 506 | 238 | 248 | 743 | 763 | 246 | 287 | 226 | 262 |
a) Payments to and provisions for employees | 309 | 382 | 441 | 465 | 194 | 201 | 683 | 715 | 201 | 240 | 196 | 223 | |
b) Rent, taxes and lighting | 14 | 18 | 6 | 6 | 11 | 13 | 14 | 15 | 5 | 6 | 5 | 8 | |
c) Printing and stationery | 4 | 5 | 3 | 4 | 4 | 4 | 3 | 5 | 4 | 3 | 2 | 2 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 8 | 9 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 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 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | |
h) Law charges | 1 | 1 | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 6 | 5 | 1 | 1 | 1 | 2 | 2 | 2 | 1 | 1 | 2 | 2 | |
j) Repairs and maintenance | 0 | 1 | 2 | 1 | 3 | 2 | 1 | 1 | 1 | 1 | 1 | 0 | |
k) Insurance | 4 | 7 | 1 | 1 | 2 | 5 | 12 | 13 | 5 | 6 | 4 | 4 | |
l) Other expenditure | 28 | 24 | 18 | 24 | 18 | 18 | 24 | 7 | 27 | 28 | 13 | 18 | |
V. | Provisions and contingencies | 15 | 22 | 25 | 14 | 64 | 85 | -75 | 122 | 77 | 52 | 55 | 0 |
Total expenses* | 1721 | 2044 | 1402 | 1547 | 527 | 603 | 2445 | 2713 | 1052 | 1247 | 600 | 666 | |
VI. | Profit /loss | 102 | -60 | -262 | 74 | 34 | 20 | -71 | -281 | 28 | 56 | 113 | 136 |
Total (III+IV+V+VI) | 1837 | 2006 | 1165 | 1635 | 625 | 708 | 2299 | 2553 | 1157 | 1354 | 768 | 803 | |
*: Excluding `Provisions and Contingencies' | |||||||||||||
Source : Annual accounts of banks of respective years. |