Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 10 of 12) - ਆਰਬੀਆਈ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 10 of 12)
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Rewa Sidhi |
Sabarkantha-Gandhinagar |
Sagar |
Sahyadri |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(297) |
(298) |
(299) |
(300) |
(301) |
(302) |
(303) |
(304) |
||
Income |
||||||||||||
I. |
Interest Earned |
2446 |
2714 |
852 |
979 |
3195 |
3836 |
721 |
882 |
|||
a) |
Interest/discount on advances/bills |
487 |
492 |
275 |
292 |
371 |
494 |
424 |
496 |
|||
b) |
Income on Investments |
892 |
1006 |
234 |
263 |
1688 |
2338 |
96 |
116 |
|||
c) |
Interest on balances with |
1067 |
1214 |
343 |
425 |
1136 |
1004 |
202 |
270 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
1 |
2 |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
38 |
36 |
37 |
77 |
57 |
52 |
38 |
50 |
|||
a) |
Commission, exchange and brokerage |
8 |
9 |
19 |
26 |
56 |
49 |
10 |
12 |
|||
b) |
Other miscellaneous income |
30 |
27 |
17 |
51 |
1 |
3 |
28 |
38 |
|||
Total (I+II) |
2484 |
2750 |
888 |
1056 |
3252 |
3889 |
759 |
932 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1541 |
1753 |
518 |
663 |
2316 |
2868 |
430 |
487 |
|||
a) |
Interest on deposits |
1434 |
1655 |
441 |
571 |
2247 |
2805 |
289 |
372 |
|||
b) |
Interest on RBI/inter-bank borrowings |
107 |
98 |
72 |
90 |
- |
- |
141 |
116 |
|||
c) |
Others |
- |
- |
4 |
2 |
69 |
64 |
- |
- |
|||
IV. |
Operating expenses |
563 |
631 |
143 |
152 |
922 |
956 |
172 |
179 |
|||
a) |
Payments to and provisions for employees |
455 |
506 |
126 |
129 |
839 |
847 |
144 |
148 |
|||
b) |
Rent, taxes and lighting |
13 |
15 |
5 |
7 |
34 |
38 |
7 |
8 |
|||
c) |
Printing and stationery |
9 |
8 |
3 |
2 |
5 |
15 |
1 |
3 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
5 |
5 |
2 |
6 |
7 |
7 |
4 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
1 |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
- |
1 |
1 |
2 |
- |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
1 |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
5 |
5 |
1 |
1 |
2 |
3 |
3 |
3 |
|||
j) |
Repairs and maintenance |
1 |
1 |
1 |
- |
2 |
1 |
2 |
2 |
|||
k) |
Insurance |
9 |
12 |
3 |
4 |
16 |
20 |
2 |
- |
|||
l) |
Other expenditure |
64 |
76 |
2 |
3 |
17 |
22 |
7 |
11 |
|||
V. |
Provisions and contingencies |
64 |
149 |
25 |
31 |
1 |
86 |
46 |
30 |
|||
Total expenses* |
2104 |
2384 |
661 |
815 |
3238 |
3825 |
602 |
667 |
||||
VI. |
Profit (loss) |
316 |
217 |
203 |
210 |
13 |
150 |
111 |
236 |
|||
|
Total (III+IV+V+VI) |
2484 |
2750 |
888 |
1056 |
3252 |
3889 |
759 |
932 |
|||
|
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|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Samastipur Kshetriya |
Samyukt Kshetriya |
Sangameshwar |
Santhal Parganas |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(305) |
(306) |
(307) |
(308) |
(309) |
(310) |
(311) |
(312) |
||
Income |
||||||||||||
I. |
Interest Earned |
1337 |
1710 |
6276 |
7237 |
1536 |
1937 |
2258 |
2258 |
|||
a) |
Interest/discount on advances/bills |
212 |
301 |
320 |
394 |
735 |
981 |
265 |
282 |
|||
b) |
Income on Investments |
326 |
420 |
3992 |
4854 |
- |
- |
693 |
725 |
|||
c) |
Interest on balances with |
800 |
989 |
1956 |
1979 |
- |
- |
1300 |
1250 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
9 |
10 |
800 |
957 |
- |
- |
|||
II. |
Other income |
96 |
145 |
79 |
94 |
71 |
131 |
38 |
227 |
|||
a) |
Commission, exchange and brokerage |
27 |
28 |
41 |
28 |
39 |
51 |
12 |
14 |
|||
b) |
Other miscellaneous income |
69 |
117 |
38 |
66 |
32 |
80 |
26 |
213 |
|||
Total (I+II) |
1433 |
1855 |
6355 |
7331 |
1606 |
2068 |
2296 |
2484 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1020 |
1136 |
3850 |
4541 |
948 |
1149 |
1468 |
1655 |
|||
a) |
Interest on deposits |
920 |
1031 |
3742 |
4440 |
768 |
942 |
1385 |
1566 |
|||
b) |
Interest on RBI/inter-bank borrowings |
83 |
96 |
8 |
5 |
- |
- |
82 |
89 |
|||
c) |
Others |
18 |
9 |
101 |
96 |
181 |
206 |
- |
- |
|||
IV. |
Operating expenses |
505 |
519 |
1466 |
1646 |
414 |
436 |
678 |
657 |
|||
a) |
Payments to and provisions for employees |
426 |
439 |
1163 |
1246 |
361 |
371 |
610 |
605 |
|||
b) |
Rent, taxes and lighting |
11 |
13 |
18 |
22 |
12 |
12 |
12 |
9 |
|||
c) |
Printing and stationery |
7 |
6 |
12 |
11 |
5 |
7 |
5 |
4 |
|||
d) |
Advertisement and publicity |
- |
- |
1 |
1 |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
4 |
4 |
7 |
6 |
3 |
5 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
3 |
1 |
2 |
1 |
2 |
|||
h) |
Law charges |
1 |
1 |
2 |
1 |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
1 |
9 |
7 |
5 |
6 |
2 |
2 |
|||
j) |
Repairs and maintenance |
1 |
1 |
1 |
2 |
1 |
- |
1 |
1 |
|||
k) |
Insurance |
23 |
28 |
69 |
35 |
4 |
5 |
6 |
5 |
|||
l) |
Other expenditure |
31 |
24 |
183 |
312 |
22 |
26 |
39 |
27 |
|||
V. |
Provisions and contingencies |
- |
- |
- |
- |
54 |
- |
44 |
- |
|||
Total expenses* |
1525 |
1655 |
5316 |
6187 |
1363 |
1585 |
2146 |
2311 |
||||
VI. |
Profit (loss) |
-92 |
200 |
1039 |
1144 |
189 |
484 |
106 |
173 |
|||
|
Total (III+IV+V+VI) |
1433 |
1855 |
6355 |
7331 |
1606 |
2068 |
2296 |
2484 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Saran Kshetriya |
Sarayu |
Shahajahanpur Kshetriya |
Shahdol Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(313) |
(314) |
(315) |
(316) |
(317) |
(318) |
(319) |
(320) |
||
Income |
||||||||||||
I. |
Interest Earned |
795 |
993 |
1322 |
1484 |
1124 |
1415 |
559 |
652 |
|||
a) |
Interest/discount on advances/bills |
179 |
192 |
339 |
450 |
359 |
497 |
80 |
123 |
|||
b) |
Income on Investments |
3 |
8 |
975 |
1026 |
225 |
302 |
472 |
523 |
|||
c) |
Interest on balances with |
613 |
794 |
8 |
7 |
541 |
590 |
7 |
6 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
25 |
- |
- |
|||
II. |
Other income |
11 |
61 |
61 |
52 |
59 |
69 |
15 |
23 |
|||
a) |
Commission, exchange and brokerage |
4 |
6 |
61 |
52 |
37 |
45 |
8 |
11 |
|||
b) |
Other miscellaneous income |
7 |
56 |
- |
- |
21 |
24 |
7 |
12 |
|||
Total (I+II) |
807 |
1055 |
1382 |
1536 |
1183 |
1484 |
574 |
675 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
733 |
809 |
569 |
674 |
528 |
628 |
466 |
559 |
|||
a) |
Interest on deposits |
714 |
784 |
495 |
586 |
428 |
472 |
449 |
536 |
|||
b) |
Interest on RBI/inter-bank borrowings |
19 |
26 |
73 |
87 |
- |
- |
16 |
23 |
|||
c) |
Others |
- |
- |
- |
- |
101 |
156 |
- |
- |
|||
IV. |
Operating expenses |
331 |
350 |
220 |
240 |
196 |
287 |
381 |
237 |
|||
a) |
Payments to and provisions for employees |
312 |
328 |
182 |
193 |
154 |
171 |
224 |
212 |
|||
b) |
Rent, taxes and lighting |
3 |
4 |
6 |
9 |
4 |
6 |
6 |
6 |
|||
c) |
Printing and stationery |
3 |
3 |
5 |
7 |
5 |
5 |
2 |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
6 |
8 |
3 |
4 |
1 |
1 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
1 |
1 |
1 |
- |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
3 |
4 |
2 |
2 |
1 |
1 |
|||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
6 |
7 |
- |
- |
|||
k) |
Insurance |
3 |
6 |
6 |
5 |
4 |
5 |
3 |
4 |
|||
l) |
Other expenditure |
6 |
6 |
10 |
13 |
16 |
87 |
144 |
11 |
|||
V. |
Provisions and contingencies |
57 |
59 |
102 |
28 |
- |
52 |
- |
35 |
|||
Total expenses* |
1064 |
1160 |
788 |
914 |
725 |
863 |
846 |
796 |
||||
VI. |
Profit (loss) |
-314 |
-164 |
492 |
594 |
458 |
568 |
-272 |
-156 |
|||
|
Total (III+IV+V+VI) |
807 |
1055 |
1382 |
1536 |
1183 |
1484 |
574 |
675 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Sharda |
Shekhawati |
Shivalik Kshetriya |
Shivpuri-Guna Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(321) |
(322) |
(323) |
(324) |
(325) |
(326) |
(327) |
(328) |
||
Income |
||||||||||||
I. |
Interest Earned |
1079 |
1262 |
2337 |
2840 |
1400 |
1670 |
1186 |
1421 |
|||
a) |
Interest/discount on advances/bills |
150 |
212 |
831 |
933 |
354 |
408 |
341 |
419 |
|||
b) |
Income on Investments |
311 |
347 |
855 |
1884 |
700 |
865 |
66 |
43 |
|||
c) |
Interest on balances with |
617 |
703 |
651 |
23 |
346 |
396 |
779 |
959 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
37 |
42 |
96 |
118 |
56 |
42 |
41 |
148 |
|||
a) |
Commission, exchange and brokerage |
35 |
41 |
14 |
15 |
6 |
6 |
25 |
40 |
|||
|
b) |
Other miscellaneous income |
2 |
1 |
82 |
103 |
50 |
36 |
15 |
108 |
||
Total (I+II) |
1115 |
1304 |
2432 |
2958 |
1456 |
1712 |
1226 |
1570 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
715 |
824 |
1687 |
1978 |
745 |
910 |
801 |
1025 |
|||
a) |
Interest on deposits |
689 |
793 |
1534 |
1829 |
684 |
833 |
749 |
976 |
|||
b) |
Interest on RBI/inter-bank borrowings |
- |
- |
- |
1 |
60 |
76 |
52 |
49 |
|||
c) |
Others |
26 |
31 |
154 |
149 |
1 |
1 |
- |
- |
|||
IV. |
Operating expenses |
344 |
359 |
632 |
676 |
317 |
310 |
406 |
437 |
|||
a) |
Payments to and provisions for employees |
311 |
320 |
570 |
611 |
267 |
241 |
367 |
392 |
|||
b) |
Rent, taxes and lighting |
7 |
7 |
6 |
6 |
5 |
7 |
12 |
13 |
|||
c) |
Printing and stationery |
3 |
3 |
6 |
5 |
4 |
3 |
5 |
5 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
2 |
3 |
4 |
6 |
13 |
1 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
2 |
3 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
3 |
3 |
5 |
3 |
1 |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
3 |
3 |
7 |
9 |
2 |
3 |
3 |
4 |
|||
j) |
Repairs and maintenance |
- |
- |
1 |
1 |
- |
1 |
2 |
1 |
|||
k) |
Insurance |
5 |
6 |
1 |
1 |
- |
1 |
5 |
6 |
|||
l) |
Other expenditure |
14 |
17 |
33 |
33 |
27 |
38 |
9 |
12 |
|||
V. |
Provisions and contingencies |
2 |
5 |
- |
47 |
-11 |
-13 |
- |
13 |
|||
Total expenses* |
1059 |
1183 |
2319 |
2655 |
1062 |
1220 |
1207 |
1462 |
||||
VI. |
Profit (loss) |
53 |
115 |
113 |
256 |
405 |
504 |
20 |
95 |
|||
|
Total (III+IV+V+VI) |
1115 |
1304 |
2432 |
2958 |
1456 |
1712 |
1226 |
1570 |