TABLE 55: Earnings And Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 1 of 8)

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TABLE 55: Earnings And Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 1 of 8)


(Amount in Rs. lakh)

	For the year ended March 31

	Adhiyaman		Akola		Alaknanda		Aligarh
Items	Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

Income
I. Interest Earned	758	903	733	905	1031	1156	4920	5381
a) Interest/discount on advances/bills	436	517	494	600	210	264	1780	1961
b) Income on Investments	120	156	-	-	167	191	1284	1078
c) Interest on balances with	202	231	238	305	654	700	1856	2343
RBI and other inter-bank funds
d) Others	1	-	-	-	-	-	-	-
II. Other income	43	47	141	116	33	30	121	130
a) Commission, exchange and brokerage	17	22	61	70	15	21	39	36
b) Other miscellaneous income	27	25	80	46	18	10	83	94

Total (I+II)	801	950	873	1021	1063	1186	5042	5511

Expenditure & Provisions
III. Interest expended	408	488	430	472	681	761	2958	3203
a) Interest on deposits	312	393	324	362	643	717	2710	2969
b) Interest on RBI/inter-bank borrowings	96	95	-	-	38	44	248	234
c) Others	-	-	105	110	-	-	-	-
IV. Operating expenses	175	191	267	344	243	331	746	999
a) Payments to and provisions for employees	148	163	238	306	201	276	671	896
b) Rent, taxes and lighting	6	7	8	9	6	8	21	22
c) Printing and stationery	4	5	3	5	3	5	4	13
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	4	5	2	2	1	2	4	4
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	1	1	1	1	3	3
h) Law charges	-	-	-	-	-	-	2	1
i) Postage, telegrams, telephones, etc.	1	1	1	2	2	3	8	10
j) Repairs and maintenance	2	2	-	-	1	1	1	1
k) Insurance	1	1	4	12	4	4	2	1
l) Other expenditure	8	5	9	7	22	30	31	48
V. Provisions and contingencies	32	17	44	46	-	8	168	87
Total expenses*	583	679	697	816	924	1091	3705	4202
VI. Profit /loss	187	254	133	160	139	87	1169	1221

Total (III+IV+V+VI)	801	950	873	1021	1063	1186	5042	5511

(Amount in Rs. lakh)

	For the year ended March 31

	Allahabad Kshetriya		Alwar Bharatpur		Ambala Kurukshetra		Aravali Kshetriya
	Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

Income
I. Interest Earned	3057	3525	2096	2661	1372	1439	1067	1245
a) Interest/discount on advances/bills	659	781	1103	1447	729	829	526	582
b) Income on Investments	527	422	678	859	259	197	94	90
c) Interest on balances with	1863	2315	315	355	385	414	362	573
RBI and other inter-bank funds
d) Others	9	6	-	-	-	-	85	-
II. Other income	144	142	193	632	50	43	60	118
a) Commission, exchange and brokerage	28	27	44	49	6	8	21	36
b) Other miscellaneous income	117	115	149	583	44	34	39	82

Total (I+II)	3201	3668	2289	3293	1422	1482	1127	1362

Expenditure & Provisions
III. Interest expended	1993	2248	1297	1653	867	899	966	1060
a) Interest on deposits	1929	2131	1082	1343	715	772	849	947
b) Interest on RBI/inter-bank borrowings	64	117	215	306	151	127	117	113
c) Others	-	-	-	4	-	-	-	-
IV. Operating expenses	729	831	580	842	336	340	527	341
a) Payments to and provisions for employees	640	731	500	732	274	271	474	280
b) Rent, taxes and lighting	16	20	15	18	8	9	11	12
c) Printing and stationery	8	8	6	10	3	4	5	7
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	5	6	9	15	5	5	3	3
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	3	3	1	1	1	2
h) Law charges	1	-	-	-	2	2	1	-
i) Postage, telegrams, telephones, etc.	2	3	6	8	3	4	4	5
j) Repairs and maintenance	-	-	4	3	1	1	1	2
k) Insurance	16	20	9	13	11	11	6	8
l) Other expenditure	39	40	26	40	28	33	19	22
V. Provisions and contingencies	74	97	-	96	40	62	107	28
Total expenses*	2722	3079	1876	2494	1202	1239	1493	1400
VI. Profit /loss	405	492	413	703	180	181	-473	-65

Total (III+IV+V+VI)	3201	3668	2289	3293	1422	1482	1127	1362

(Amount in Rs. lakh)

	For the year ended March 31

	Arunachal Pradesh		Aurangabad Jalana		Avadh		Baitarani
	Rural Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)


Income
I. Interest Earned	444	265	2074	2550	5164	5343	2266	3851
a) Interest/discount on advances/bills	403	184	1136	1542	987	1075	946	1269
b) Income on Investments	35	72	836	988	4122	4224	520	371
c) Interest on balances with	6	10	102	20	55	44	800	1071
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	1140
II. Other income	22	18	74	208	82	87	52	84
a) Commission, exchange and brokerage	10	10	57	187	21	28	10	36
b) Other miscellaneous income	12	9	16	22	61	59	42	48

Total (I+II)	467	284	2148	2758	5246	5430	2318	3935

Expenditure & Provisions
III. Interest expended	266	338	1112	1422	3022	3266	1565	3079
a) Interest on deposits	211	257	785	1054	2895	3127	1368	1653
b) Interest on RBI/inter-bank borrowings	56	80	327	368	127	140	197	288
c) Others	-	-	-	-	-	-	-	1138
IV. Operating expenses	125	125	496	661	1093	1250	649	725
a) Payments to and provisions for employees	92	91	367	482	945	1099	597	665
b) Rent, taxes and lighting	8	8	18	23	27	31	12	13
c) Printing and stationery	4	4	18	11	24	20	2	9
d) Advertisement and publicity	-	-	7	6	-	-	-	-
e) Depreciation on Bank's property	2	2	30	47	45	30	-	3
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	2	2	3	3	3	3
h) Law charges	-	-	-	-	1	1	-	2
i) Postage, telegrams, telephones, etc.	1	-	6	8	3	6	3	1
j) Repairs and maintenance	-	1	2	7	5	7	1	1
k) Insurance	5	6	5	7	22	28	11	13
l) Other expenditure	12	12	40	68	17	25	19	16
V. Provisions and contingencies	255	657	64	173	99	154	1	117
Total expenses*	391	462	1608	2083	4114	4516	2214	3804
VI. Profit /loss	-179	-836	476	502	1033	761	103	14

Total (III+IV+V+VI)	467	284	2148	2758	5246	5430	2318	3935

(Amount in Rs. lakh)

	For the year ended March 31

	Balasore		Ballia shetriya		Banaskantha Mehsana		Bara Banki
	Gramya Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

Income
I. Interest Earned	476	531	3136	3626	2125	2492	2951	3229
a) Interest/discount on advances/bills	220	256	494	491	943	1104	588	783
b) Income on Investments	3	11	2625	3102	872	945	1591	1716
c) Interest on balances with	253	264	-	12	308	442	734	697
RBI and other inter-bank funds
d) Others	-	-	17	22	2	1	38	34
II. Other income	23	49	125	146	98	91	79	95
a) Commission, exchange and brokerage	6	6	37	32	16	22	27	34
b) Other miscellaneous income	16	43	89	114	82	69	52	60

Total (I+II)	499	580	3261	3772	2223	2582	3031	3324

Expenditure & Provisions
III. Interest expended	882	1050	2033	2254	1527	1768	1771	1944
a) Interest on deposits	865	1011	1894	2147	1296	1495	1666	1830
b) Interest on RBI/inter-bank borrowings	1	7	2	2	231	273	105	113
c) Others	16	32	137	106	-	-	-	-
IV. Operating expenses	464	472	617	790	515	699	763	855
a) Payments to and provisions for employees	418	416	567	732	446	619	705	792
b) Rent, taxes and lighting	11	12	9	11	10	13	11	12
c) Printing and stationery	4	3	4	4	6	7	6	8
d) Advertisement and publicity	-	-	-	-	-	-	-	1
e) Depreciation on Bank's property	2	2	2	3	4	11	3	3
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	2	2	2	2	2	2
h) Law charges	-	-	-	-	1	-	-	1
i) Postage, telegrams, telephones, etc.	2	3	3	3	4	5	2	3
j) Repairs and maintenance	-	-	-	-	3	3	1	1
k) Insurance	7	12	12	0	1	1	2	1
l) Other expenditure	20	22	18	35	39	38	31	32
V. Provisions and contingencies	79	114	-	44	-	50	-10	6
Total expenses*	1346	1523	2650	3045	2042	2467	2535	2799
VI. Profit /loss	-926	-1057	611	683	182	65	506	519

Total (III+IV+V+VI)	499	580	3261	3772	2223	2582	3031	3324

(Amount in Rs. lakh)

	For the year ended March 31

	Bardhaman		Bareilly Kshetriya		Bastar Kshetriya		Basti
	Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)


Income
I. Interest Earned	3799	4531	2278	2370	596	737	3679	3980
a) Interest/discount on advances/bills	802	1069	830	973	205	365	600	691
b) Income on Investments	769	2617	1425	318	10	1	3021	3220
c) Interest on balances with	2228	845	22	1079	381	371	58	69
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	221	251	87	135	36	42	56	390
a) Commission, exchange and brokerage	26	30	24	34	14	42	52	118
b) Other miscellaneous income	195	221	64	101	22	-	5	273

Total (I+II)	4020	4782	2365	2505	632	779	3736	4370

Expenditure & Provisions
III. Interest expended	3040	3210	1148	1219	644	708	1986	2236
a) Interest on deposits	2953	3123	988	1053	624	675	1855	2046
b) Interest on RBI/inter-bank borrowings	86	86	8	16	21	34	131	191
c) Others	-	1	151	150	-	-	-	-
IV. Operating expenses	721	1126	646	743	424	478	663	924
a) Payments to and provisions for employees	648	1016	576	656	393	438	581	812
b) Rent, taxes and lighting	19	20	16	18	6	7	14	20
c) Printing and stationery	8	11	7	8	4	6	8	10
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	3	4	4	6	1	1	5	6
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	2	2	1	1	2	3
h) Law charges	-	-	1	1	-	-	2	1
i) Postage, telegrams, telephones, etc.	3	3	3	5	2	2	3	2
j) Repairs and maintenance	1	2	8	11	1	1	2	4
k) Insurance	15	24	11	12	14	15	11	15
l) Other expenditure	23	42	21	23	2	5	34	51
V. Provisions and contingencies	191	123	60	4	-	6	46	-
Total expenses*	3761	4335	1794	1962	1069	1187	2649	3160
VI. Profit /loss	68	323	511	539	-437	-414	1041	1210

Total (III+IV+V+VI)	4020	4782	2365	2505	632	779	3736	4370

(Amount in Rs. lakh)

	For the year ended March 31

	Begusarai Kshetriya		Bhagalpur Banka		Bhagirath		Bhandara
	Gramin Bank		Kshetriya Gramin		Gramin Bank		Gramin Bank
			Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)


Income
I. Interest Earned	608	681	1327	835	4552	4781	924	1089
a) Interest/discount on advances/bills	80	114	168	184	761	883	468	597
b) Income on Investments	526	567	1154	650	3787	3882	134	138
c) Interest on balances with	2	1	5	1	4	16	322	354
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	70	32	61	25	247	390	36	37
a) Commission, exchange and brokerage	13	10	6	10	246	389	5	4
b) Other miscellaneous income	57	22	55	15	-	1	32	34

Total (I+II)	678	714	1388	860	4799	5171	960	1126

Expenditure & Provisions
III. Interest expended	332	398	1152	658	1969	2087	685	735
a) Interest on deposits	323	386	544	641	1804	1913	615	650
b) Interest on RBI/inter-bank borrowings	9	12	603	17	165	174	71	86
c) Others	-	-	4	-	-	-	-	-
IV. Operating expenses	131	158	145	189	866	1265	283	484
a) Payments to and provisions for employees	116	138	114	152	764	1136	242	442
b) Rent, taxes and lighting	4	4	7	9	26	28	9	9
c) Printing and stationery	1	1	2	4	11	12	6	5
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	2	2	2	3	7	10	4	5
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	-	1	1	1	2	2	1	1
h) Law charges	-	-	-	-	2	2	-	2
i) Postage, telegrams, telephones, etc.	1	1	1	2	4	4	1	1
j) Repairs and maintenance	-	-	-	-	4	3	-	-
k) Insurance	3	3	5	4	18	24	5	3
l) Other expenditure	2	7	13	13	28	43	15	16
V. Provisions and contingencies	-	34	8	10	33	53	16	122
Total expenses*	463	556	1297	847	2836	3352	968	1220
VI. Profit /loss	216	124	83	2	1930	1766	-24	-215

Total (III+IV+V+VI)	678	714	1388	860	4799	5171	960	1126

* : Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years.