Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 7 of 12) - ਆਰਬੀਆਈ - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 7 of 12)
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Langpi Dehangi |
Madhubani Kshetriya |
Magadh |
Mahakaushal |
||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(201) |
(202) |
(203) |
(204) |
(205) |
(206) |
(207) |
(208) |
||
Income |
||||||||||||
I. |
Interest Earned |
324 |
486 |
611 |
725 |
3753 |
4536 |
484 |
528 |
|||
a) |
Interest/discount on advances/bills |
56 |
56 |
240 |
257 |
464 |
602 |
47 |
71 |
|||
b) |
Income on Investments |
72 |
423 |
- |
- |
- |
3934 |
3 |
9 |
|||
c) |
Interest on balances with |
- |
- |
- |
469 |
3280 |
- |
140 |
143 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
196 |
7 |
371 |
- |
9 |
- |
294 |
304 |
|||
II. |
Other income |
28 |
26 |
10 |
60 |
46 |
603 |
20 |
49 |
|||
a) |
Commission, exchange and brokerage |
17 |
15 |
5 |
11 |
6 |
8 |
7 |
16 |
|||
b) |
Other miscellaneous income |
11 |
11 |
5 |
50 |
40 |
596 |
13 |
34 |
|||
Total (I+II) |
352 |
513 |
621 |
785 |
3799 |
5139 |
505 |
577 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
258 |
300 |
667 |
750 |
2227 |
2682 |
517 |
574 |
|||
a) |
Interest on deposits |
239 |
285 |
640 |
720 |
2160 |
2562 |
219 |
264 |
|||
b) |
Interest on RBI/inter-bank borrowings |
19 |
15 |
26 |
30 |
3 |
3 |
4 |
6 |
|||
c) |
Others |
- |
- |
- |
- |
65 |
118 |
294 |
304 |
|||
IV. |
Operating expenses |
233 |
254 |
474 |
502 |
1107 |
1046 |
247 |
241 |
|||
a) |
Payments to and provisions for employees |
203 |
218 |
453 |
474 |
1023 |
961 |
230 |
220 |
|||
b) |
Rent, taxes and lighting |
4 |
4 |
6 |
6 |
12 |
14 |
7 |
8 |
|||
c) |
Printing and stationery |
4 |
4 |
3 |
3 |
8 |
7 |
2 |
2 |
|||
d) |
Advertisement and publicity |
- |
- |
1 |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
- |
2 |
4 |
4 |
1 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
1 |
1 |
1 |
2 |
4 |
- |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
1 |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
1 |
1 |
4 |
6 |
1 |
1 |
|||
j) |
Repairs and maintenance |
1 |
1 |
2 |
2 |
1 |
2 |
- |
- |
|||
k) |
Insurance |
4 |
3 |
5 |
5 |
15 |
19 |
2 |
2 |
|||
l) |
Other expenditure |
17 |
23 |
3 |
8 |
37 |
29 |
4 |
5 |
|||
V. |
Provisions and contingencies |
-8 |
42 |
21 |
21 |
- |
788 |
- |
2 |
|||
Total expenses* |
491 |
554 |
1141 |
1253 |
3335 |
3728 |
764 |
815 |
||||
VI. |
Profit (loss) |
-131 |
-83 |
-541 |
-488 |
465 |
624 |
-259 |
-240 |
|||
|
Total (III+IV+V+VI) |
352 |
513 |
621 |
785 |
3799 |
5139 |
505 |
577 |
|||
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Malaprabha |
Mallabhum |
Malwa Gramin Bank Kshetriya |
Mandla Balaghat |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
|
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(209) |
(210) |
(211) |
(212) |
(213) |
(214) |
(215) |
(216) |
||
Income |
||||||||||||
I. |
Interest Earned |
6520 |
8089 |
4224 |
5440 |
1114 |
1290 |
451 |
659 |
|||
a) |
Interest/discount on advances/bills |
4165 |
5213 |
1001 |
1481 |
471 |
531 |
86 |
119 |
|||
b) |
Income on Investments |
1120 |
1568 |
1614 |
1974 |
246 |
293 |
7 |
36 |
|||
c) |
Interest on balances with |
1235 |
1309 |
1608 |
- |
397 |
466 |
358 |
504 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
1985 |
- |
- |
- |
- |
|||
II. |
Other income |
318 |
422 |
418 |
358 |
38 |
38 |
11 |
17 |
|||
a) |
Commission, exchange and brokerage |
64 |
87 |
227 |
358 |
18 |
21 |
9 |
11 |
|||
b) |
Other miscellaneous income |
254 |
335 |
191 |
- |
20 |
17 |
2 |
5 |
|||
Total (I+II) |
6837 |
8511 |
4642 |
5798 |
1152 |
1328 |
462 |
676 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
3544 |
4361 |
3450 |
4128 |
598 |
711 |
383 |
480 |
|||
a) |
Interest on deposits |
2555 |
3285 |
3325 |
3977 |
467 |
561 |
371 |
462 |
|||
b) |
Interest on RBI/inter-bank borrowings |
989 |
1077 |
125 |
- |
131 |
150 |
11 |
18 |
|||
c) |
Others |
- |
- |
- |
151 |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
2037 |
2260 |
1482 |
1580 |
198 |
215 |
259 |
271 |
|||
a) |
Payments to and provisions for employees |
1756 |
1908 |
1359 |
1447 |
169 |
184 |
225 |
240 |
|||
b) |
Rent, taxes and lighting |
43 |
52 |
27 |
32 |
6 |
7 |
5 |
6 |
|||
c) |
Printing and stationery |
23 |
24 |
14 |
11 |
2 |
2 |
3 |
3 |
|||
d) |
Advertisement and publicity |
1 |
1 |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
19 |
30 |
4 |
4 |
3 |
2 |
1 |
1 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
3 |
6 |
2 |
4 |
1 |
1 |
- |
1 |
|||
h) |
Law charges |
1 |
1 |
1 |
1 |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
26 |
28 |
1 |
1 |
1 |
1 |
1 |
1 |
|||
j) |
Repairs and maintenance |
4 |
1 |
2 |
2 |
- |
- |
- |
- |
|||
k) |
Insurance |
16 |
21 |
24 |
26 |
3 |
3 |
8 |
3 |
|||
l) |
Other expenditure |
144 |
187 |
47 |
52 |
12 |
13 |
56 |
16 |
|||
V. |
Provisions and contingencies |
122 |
41 |
- |
46 |
45 |
- |
42 |
13 |
|||
Total expenses* |
5581 |
6622 |
4932 |
5708 |
796 |
926 |
641 |
751 |
||||
VI. |
Profit (loss) |
1135 |
1848 |
-290 |
44 |
312 |
402 |
-221 |
-88 |
|||
|
Total (III+IV+V+VI) |
6837 |
8511 |
4642 |
5798 |
1152 |
1328 |
462 |
676 |
|||
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Manipur |
Manjira |
Marathwada |
Marudhar Kshetriya |
||||||||
Rural Bank |
Gramin Bank |
Rural Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(217) |
(218) |
(219) |
(220) |
(221) |
(222) |
(223) |
(224) |
||
Income |
||||||||||||
I. |
Interest Earned |
182 |
200 |
2210 |
2664 |
3989 |
4446 |
496 |
685 |
|||
a) |
Interest/discount on advances/bills |
51 |
50 |
1216 |
1467 |
1836 |
1944 |
243 |
337 |
|||
b) |
Income on Investments |
11 |
22 |
477 |
529 |
2066 |
2286 |
12 |
13 |
|||
c) |
Interest on balances with |
120 |
128 |
517 |
668 |
8 |
6 |
- |
- |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
80 |
210 |
241 |
335 |
|||
II. |
Other income |
7 |
16 |
76 |
145 |
157 |
358 |
81 |
146 |
|||
a) |
Commission, exchange and brokerage |
3 |
4 |
44 |
45 |
107 |
105 |
3 |
4 |
|||
b) |
Other miscellaneous income |
4 |
12 |
32 |
100 |
50 |
253 |
78 |
142 |
|||
Total (I+II) |
189 |
215 |
2285 |
2809 |
4146 |
4804 |
576 |
831 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
114 |
121 |
1359 |
1638 |
2289 |
2676 |
589 |
701 |
|||
a) |
Interest on deposits |
71 |
105 |
1057 |
1262 |
1864 |
2154 |
533 |
611 |
|||
b) |
Interest on RBI/inter-bank borrowings |
43 |
16 |
302 |
376 |
55 |
110 |
- |
- |
|||
c) |
Others |
- |
- |
- |
- |
370 |
412 |
55 |
90 |
|||
IV. |
Operating expenses |
129 |
137 |
551 |
620 |
1534 |
1676 |
352 |
411 |
|||
a) |
Payments to and provisions for employees |
118 |
124 |
386 |
438 |
1370 |
1467 |
309 |
340 |
|||
b) |
Rent, taxes and lighting |
4 |
4 |
12 |
16 |
34 |
36 |
5 |
7 |
|||
c) |
Printing and stationery |
3 |
4 |
10 |
7 |
13 |
11 |
4 |
3 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
7 |
10 |
8 |
16 |
3 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
- |
1 |
2 |
3 |
5 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
- |
- |
7 |
8 |
13 |
16 |
2 |
2 |
|||
j) |
Repairs and maintenance |
- |
- |
1 |
2 |
- |
- |
- |
- |
|||
k) |
Insurance |
1 |
1 |
7 |
9 |
14 |
15 |
4 |
4 |
|||
l) |
Other expenditure |
2 |
2 |
119 |
128 |
79 |
109 |
26 |
51 |
|||
V. |
Provisions and contingencies |
- |
6 |
- |
- |
287 |
251 |
21 |
- |
|||
Total expenses* |
243 |
257 |
1911 |
2258 |
3823 |
4352 |
941 |
1112 |
||||
VI. |
Profit (loss) |
-53 |
-48 |
375 |
551 |
36 |
201 |
-385 |
-281 |
|||
|
Total (III+IV+V+VI) |
189 |
215 |
2285 |
2809 |
4146 |
4804 |
576 |
831 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Marwar |
Mayurakshi |
Mewar Anchalik |
Mithila Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(225) |
(226) |
(227) |
(228) |
(229) |
(230) |
(231) |
(232) |
||
Income |
||||||||||||
I. |
Interest Earned |
4114 |
4903 |
1639 |
2151 |
1337 |
1759 |
846 |
1091 |
|||
a) |
Interest/discount on advances/bills |
1293 |
1602 |
508 |
600 |
322 |
419 |
136 |
165 |
|||
b) |
Income on Investments |
1734 |
1782 |
526 |
- |
238 |
300 |
32 |
34 |
|||
c) |
Interest on balances with |
1026 |
1352 |
605 |
803 |
28 |
939 |
678 |
893 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
61 |
166 |
- |
748 |
749 |
101 |
- |
- |
|||
II. |
Other income |
57 |
152 |
92 |
183 |
69 |
78 |
46 |
74 |
|||
a) |
Commission, exchange and brokerage |
57 |
134 |
87 |
124 |
9 |
11 |
4 |
9 |
|||
b) |
Other miscellaneous income |
- |
17 |
6 |
59 |
60 |
67 |
42 |
64 |
|||
Total (I+II) |
4170 |
5055 |
1731 |
2334 |
1406 |
1837 |
892 |
1165 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
3077 |
3779 |
1328 |
1992 |
1126 |
1346 |
789 |
927 |
|||
a) |
Interest on deposits |
2866 |
3592 |
1256 |
1909 |
1070 |
1278 |
767 |
914 |
|||
b) |
Interest on RBI/inter-bank borrowings |
211 |
187 |
72 |
83 |
56 |
4 |
22 |
13 |
|||
c) |
Others |
- |
- |
- |
- |
- |
64 |
- |
- |
|||
IV. |
Operating expenses |
876 |
954 |
691 |
741 |
351 |
375 |
455 |
476 |
|||
a) |
Payments to and provisions for employees |
789 |
843 |
636 |
673 |
300 |
309 |
419 |
441 |
|||
b) |
Rent, taxes and lighting |
15 |
16 |
11 |
12 |
11 |
14 |
5 |
6 |
|||
c) |
Printing and stationery |
9 |
9 |
6 |
6 |
5 |
4 |
3 |
3 |
|||
d) |
Advertisement and publicity |
5 |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
- |
4 |
2 |
2 |
5 |
8 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
2 |
3 |
1 |
1 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
1 |
- |
1 |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
11 |
1 |
1 |
6 |
6 |
1 |
1 |
|||
j) |
Repairs and maintenance |
9 |
1 |
- |
- |
1 |
- |
2 |
2 |
|||
k) |
Insurance |
1 |
1 |
10 |
21 |
5 |
4 |
1 |
1 |
|||
l) |
Other expenditure |
45 |
65 |
23 |
23 |
17 |
28 |
22 |
18 |
|||
V. |
Provisions and contingencies |
80 |
53 |
63 |
95 |
29 |
15 |
- |
25 |
|||
Total expenses* |
3953 |
4733 |
2019 |
2732 |
1477 |
1721 |
1244 |
1402 |
||||
VI. |
Profit (loss) |
138 |
268 |
-351 |
-494 |
-100 |
102 |
-352 |
-262 |
|||
|
Total (III+IV+V+VI) |
4170 |
5055 |
1731 |
2334 |
1406 |
1837 |
892 |
1165 |