Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 2 of 8) - ਆਰਬੀਆਈ - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 2 of 8)
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Bhilwara-Ajmer | Bhojpur Rohtas | Bijapur | Bikaner | Bilaspur Raipur | Bolangir | |||||||
Kshetriya | Gramin Bank | Gramin Bank | Kshetriya | Kshetriya | Anchalik | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | ||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(49) | (50) | (51) | (52) | (53) | (54) | (55) | (56) | (57) | (58) | (59) | (60) | ||
Income | |||||||||||||
I. | Interest Earned | 1510 | 1698 | 4572 | 5614 | 3284 | 3919 | 378 | 454 | 2396 | 2591 | 1353 | 1913 |
a) Interest/discount on advances/bills | 744 | 876 | 877 | 1003 | 1926 | 2467 | 210 | 282 | 657 | 555 | 567 | 860 | |
b) Income on Investments | 218 | 201 | 2366 | 3265 | 516 | 548 | 166 | 171 | 288 | 170 | 51 | 118 | |
c) Interest on balances with | 549 | 621 | 1329 | 1346 | 841 | 904 | 1 | 1 | 1450 | 1866 | 735 | 935 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
II. | Other income | 68 | 78 | 529 | 530 | 151 | 216 | 29 | 28 | 203 | 55 | 38 | 371 |
a) Commission, exchange and brokerage | 35 | 35 | 9 | 11 | 20 | 37 | 14 | 13 | 189 | 44 | 38 | 45 | |
b) Other miscellaneous income | 33 | 43 | 521 | 519 | 131 | 178 | 15 | 15 | 14 | 11 | 0 | 326 | |
Total (I+II) | 1579 | 1777 | 5101 | 6144 | 3435 | 4135 | 406 | 482 | 2599 | 2646 | 1391 | 2284 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 986 | 1071 | 3397 | 3685 | 1827 | 2157 | 281 | 340 | 1608 | 1833 | 1609 | 1858 |
a) Interest on deposits | 850 | 912 | 3227 | 3486 | 1458 | 1759 | 217 | 268 | 1501 | 1726 | 1394 | 1627 | |
b) Interest on RBI/inter-bank borrowings | 136 | 159 | 170 | 199 | 67 | 67 | 1 | 2 | 107 | 107 | 215 | 231 | |
c) Others | 0 | 0 | 0 | 0 | 301 | 331 | 62 | 69 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 284 | 413 | 1273 | 1329 | 638 | 789 | 117 | 126 | 865 | 903 | 1124 | 1135 |
a) Payments to and provisions for employees | 234 | 360 | 1165 | 1197 | 543 | 676 | 98 | 110 | 788 | 823 | 1058 | 1044 | |
b) Rent, taxes and lighting | 11 | 12 | 16 | 20 | 10 | 12 | 3 | 3 | 17 | 18 | 26 | 27 | |
c) Printing and stationery | 5 | 5 | 11 | 20 | 9 | 11 | 1 | 1 | 10 | 9 | 7 | 10 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 4 | 5 | 8 | 11 | 12 | 17 | 2 | 2 | 2 | 2 | 5 | 5 | |
f) Directors' fees, allowances and expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
g) Auditors' fees and expenses | 1 | 2 | 2 | 5 | 3 | 3 | 0 | 1 | 2 | 2 | 3 | 3 | |
h) Law charges | 1 | 1 | 1 | 1 | 0 | 2 | 0 | 0 | 1 | 1 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 5 | 5 | 10 | 9 | 8 | 8 | 1 | 1 | 6 | 5 | 7 | 5 | |
j) Repairs and maintenance | 4 | 4 | 3 | 3 | 1 | 1 | 0 | 0 | 1 | 1 | 2 | 2 | |
k) Insurance | 6 | 7 | 23 | 27 | 0 | 0 | 2 | 2 | 10 | 5 | 8 | 10 | |
l) Other expenditure | 12 | 11 | 35 | 36 | 51 | 60 | 8 | 5 | 29 | 37 | 7 | 29 | |
V. | Provisions and contingencies | 37 | 74 | 0 | 112 | 68 | 1 | 5 | 6 | 107 | 141 | 65 | 0 |
Total expenses* | 1271 | 1485 | 4670 | 5015 | 2464 | 2940 | 398 | 465 | 2473 | 2735 | 2732 | 2993 | |
VI. | Profit /loss | 271 | 218 | 431 | 1018 | 902 | 1188 | 4 | 11 | 19 | -231 | -1405 | -708 |
Total (III+IV+V+VI) | 1579 | 1777 | 5101 | 6144 | 3435 | 4135 | 406 | 482 | 2599 | 2646 | 1391 | 2284 | |
(Amount in Rs. lakh) | |||||||||||||
For the yar ended March 31 | |||||||||||||
Items | Buldhana | Bundelkhand | Bundi-Chittor | Cachar | Cauvery | Chaitanya | |||||||
Gramin Bank | Kshetriya | Kshetriya | Gramin Bank | Gramin Bank | Gramin Bank | ||||||||
Gramin Bank | Gramin Bank | ||||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(61) | (62) | (63) | (64) | (65) | (66) | (67) | (68) | (69) | (70) | (71) | (72) | ||
Income | |||||||||||||
I. | Interest Earned | 544 | 621 | 1900 | 2362 | 1407 | 1588 | 900 | 1105 | 2655 | 2853 | 1520 | 1859 |
a) Interest/discount on advances/bills | 401 | 454 | 424 | 589 | 752 | 822 | 215 | 284 | 1682 | 1807 | 931 | 1163 | |
b) Income on Investments | 28 | 29 | 109 | 67 | 138 | 187 | 573 | 435 | 398 | 439 | 140 | 226 | |
c) Interest on balances with | 115 | 138 | 1366 | 1706 | 517 | 579 | 112 | 110 | 576 | 606 | 449 | 470 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 276 | 0 | 0 | 0 | 0 | |
II. | Other income | 29 | 37 | 28 | 45 | 54 | 48 | 59 | 53 | 188 | 299 | 132 | 113 |
a) Commission, exchange and brokerage | 23 | 31 | 25 | 42 | 11 | 11 | 23 | 28 | 171 | 168 | 41 | 48 | |
b) Other miscellaneous income | 7 | 6 | 3 | 3 | 44 | 36 | 36 | 25 | 17 | 131 | 91 | 65 | |
Total (I+II) | 573 | 658 | 1928 | 2407 | 1461 | 1635 | 960 | 1159 | 2843 | 3151 | 1652 | 1972 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 274 | 328 | 1300 | 1530 | 1010 | 1140 | 588 | 683 | 1799 | 2042 | 1001 | 1272 |
a) Interest on deposits | 159 | 261 | 1245 | 1469 | 800 | 939 | 561 | 656 | 1468 | 1724 | 842 | 1064 | |
b) Interest on RBI/inter-bank borrowings | 47 | 0 | 54 | 61 | 8 | 10 | 27 | 26 | 331 | 317 | 42 | 65 | |
c) Others | 67 | 66 | 0 | 0 | 202 | 191 | 0 | 1 | 0 | 0 | 118 | 143 | |
IV. | Operating expenses | 162 | 137 | 570 | 626 | 375 | 392 | 239 | 284 | 805 | 817 | 424 | 461 |
a) Payments to and provisions for employees | 97 | 103 | 528 | 577 | 334 | 349 | 201 | 219 | 722 | 729 | 310 | 383 | |
b) Rent, taxes and lighting | 7 | 8 | 10 | 10 | 9 | 10 | 9 | 10 | 16 | 19 | 12 | 14 | |
c) Printing and stationery | 2 | 3 | 6 | 6 | 4 | 4 | 4 | 5 | 10 | 11 | 6 | 8 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 4 | 5 | 2 | 2 | 3 | 2 | 2 | 2 | 5 | 6 | 5 | 7 | |
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 | 2 | 2 | 1 | 1 | 3 | 3 | 1 | 1 | |
h) Law charges | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | |
i) Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 1 | 3 | 3 | 2 | 2 | 11 | 10 | 4 | 5 | |
j) Repairs and maintenance | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 3 | |
k) Insurance | 2 | 2 | 8 | 9 | 5 | 6 | 0 | 0 | 1 | 1 | 7 | 8 | |
l) Other expenditure | 47 | 12 | 12 | 17 | 14 | 15 | 19 | 43 | 36 | 35 | 76 | 31 | |
V. | Provisions and contingencies | 20 | 70 | 0 | 0 | 26 | 26 | 0 | 0 | 37 | 95 | 0 | 73 |
Total expenses* | 435 | 464 | 1870 | 2156 | 1386 | 1532 | 827 | 967 | 2605 | 2858 | 1425 | 1733 | |
VI. | Profit /loss | 118 | 125 | 58 | 250 | 49 | 77 | 133 | 192 | 202 | 197 | 226 | 166 |
Total (III+IV+V+VI) | 573 | 658 | 1928 | 2407 | 1461 | 1635 | 960 | 1159 | 2843 | 3151 | 1652 | 1972 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Chambal | Champaran | Chandrapur | Chhatrasal | Chhindwara | Chikmagalur | ||||||||
Items | Kshetriya | Kshetriya | Gadchiroli | Gramin Bank | Seoni Kshetriya | Kodagu | |||||||
Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | Gramin Bank | |||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(73) | (74) | (75) | (76) | (77) | (78) | (79) | (80) | (81) | (82) | (83) | (84) | ||
Income | |||||||||||||
I. | Interest Earned | 1075 | 1346 | 1321 | 1833 | 1027 | 1239 | 1500 | 1628 | 1028 | 1206 | 1298 | 1338 |
a) Interest/discount on advances/bills | 529 | 617 | 392 | 710 | 401 | 471 | 344 | 425 | 425 | 503 | 884 | 895 | |
b) Income on Investments | 44 | 98 | 3 | 18 | 246 | 317 | 323 | 403 | 538 | 70 | 131 | 123 | |
c) Interest on balances with | 502 | 631 | 926 | 1105 | 380 | 452 | 833 | 800 | 65 | 633 | 283 | 320 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
II. | Other income | 53 | 53 | 240 | 174 | 89 | 47 | 52 | 68 | 62 | 47 | 60 | 61 |
a) Commission, exchange and brokerage | 32 | 34 | 8 | 12 | 14 | 16 | 52 | 67 | 47 | 38 | 14 | 13 | |
b) Other miscellaneous income | 20 | 19 | 231 | 162 | 75 | 31 | 0 | 1 | 15 | 9 | 47 | 48 | |
Total (I+II) | 1127 | 1399 | 1561 | 2007 | 1116 | 1287 | 1551 | 1696 | 1090 | 1253 | 1358 | 1399 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 841 | 990 | 1286 | 1590 | 711 | 816 | 860 | 938 | 705 | 793 | 732 | 794 |
a) Interest on deposits | 755 | 886 | 1236 | 1486 | 661 | 775 | 779 | 867 | 686 | 771 | 566 | 621 | |
b) Interest on RBI/inter-bank borrowings | 86 | 104 | 0 | 0 | 0 | 10 | 82 | 71 | 19 | 22 | 166 | 172 | |
c) Others | 0 | 0 | 50 | 103 | 50 | 31 | 0 | 0 | 0 | 0 | 0 | 0 | |
IV. | Operating expenses | 227 | 251 | 858 | 900 | 360 | 398 | 468 | 483 | 350 | 371 | 276 | 336 |
a) Payments to and provisions for employees | 187 | 203 | 812 | 849 | 281 | 300 | 424 | 433 | 308 | 325 | 245 | 302 | |
b) Rent, taxes and lighting | 8 | 11 | 11 | 14 | 8 | 9 | 10 | 10 | 10 | 11 | 6 | 7 | |
c) Printing and stationery | 3 | 3 | 4 | 5 | 4 | 4 | 5 | 7 | 5 | 6 | 6 | 5 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 5 | 6 | 2 | 2 | 2 | 2 | 3 | 5 | 3 | 4 | 5 | 5 | |
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 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 2 | 1 | 2 | |
h) Law charges | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 1 | |
i) Postage, telegrams, telephones, etc. | 1 | 2 | 1 | 2 | 0 | 1 | 5 | 5 | 3 | 3 | 4 | 5 | |
j) Repairs and maintenance | 1 | 1 | 0 | 1 | 0 | 1 | 1 | 1 | 0 | 0 | 2 | 3 | |
k) Insurance | 5 | 8 | 9 | 11 | 1 | 1 | 7 | 8 | 1 | 5 | 3 | 4 | |
l) Other expenditure | 15 | 16 | 17 | 13 | 61 | 78 | 11 | 11 | 19 | 15 | 3 | 4 | |
V. | Provisions and contingencies | 9 | 55 | 10 | 14 | 8 | 0 | 44 | 18 | 27 | 61 | 49 | 92 |
Total expenses* | 1067 | 1240 | 2147 | 2490 | 1070 | 1213 | 1328 | 1421 | 1055 | 1163 | 1007 | 1130 | |
VI. | Profit /loss | 51 | 104 | -598 | -497 | 37 | 73 | 179 | 257 | 8 | 29 | 302 | 177 |
Total (III+IV+V+VI) | 1127 | 1399 | 1561 | 2007 | 1116 | 1287 | 1551 | 1696 | 1090 | 1253 | 1358 | 1399 | |
(Amount in Rs. lakh) | |||||||||||||
For the year ended March 31 | |||||||||||||
Items | Chitradurga | Cuttack | Damoh Panna | Devipatan | Dewas Shajapur | Dhenkanal | |||||||
Gramin Bank | Gramya Bank | Sagar Kshetriya | Kshetriya | Kshetriya | Gramin Bank | ||||||||
Gramin Bank | Gramin Bank | Gramin Bank | |||||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(85) | (86) | (87) | (88) | (89) | (90) | (91) | (92) | (93) | (94) | (95) | (96) | ||
Income | |||||||||||||
I. | Interest Earned | 2173 | 2677 | 2329 | 3012 | 1481 | 1795 | 2527 | 2912 | 1338 | 1630 | 1847 | 2289 |
a) Interest/discount on advances/bills | 1343 | 1734 | 701 | 973 | 294 | 349 | 479 | 584 | 630 | 716 | 932 | 1183 | |
b) Income on Investments | 383 | 428 | 405 | 497 | 1187 | 1446 | 955 | 989 | 317 | 271 | 642 | 929 | |
c) Interest on balances with | 447 | 514 | 1221 | 1543 | 0 | 0 | 1094 | 1338 | 391 | 642 | 274 | 177 | |
RBI and other inter-bank funds | |||||||||||||
d) Others | 0 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
II. | Other income | 98 | 129 | 652 | 438 | 43 | 50 | 54 | 65 | 115 | 49 | 54 | 52 |
a) Commission, exchange and brokerage | 23 | 27 | 17 | 45 | 28 | 32 | 28 | 20 | 9 | 8 | 20 | 26 | |
b) Other miscellaneous income | 75 | 102 | 635 | 393 | 15 | 18 | 26 | 45 | 105 | 41 | 34 | 26 | |
Total (I+II) | 2271 | 2807 | 2981 | 3450 | 1524 | 1845 | 2582 | 2977 | 1452 | 1678 | 1901 | 2341 | |
Expenditure & Provisions | |||||||||||||
III. | Interest expended | 1375 | 1629 | 2155 | 2587 | 951 | 1115 | 1214 | 1401 | 878 | 1040 | 1234 | 1538 |
a) Interest on deposits | 1072 | 1253 | 2007 | 2435 | 891 | 1062 | 1132 | 1319 | 792 | 950 | 992 | 1240 | |
b) Interest on RBI/inter-bank borrowings | 303 | 376 | 148 | 152 | 60 | 54 | 82 | 82 | 85 | 89 | 242 | 298 | |
c) Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | |
IV. | Operating expenses | 653 | 686 | 1035 | 1073 | 445 | 467 | 610 | 817 | 364 | 429 | 324 | 327 |
a) Payments to and provisions for employees | 575 | 600 | 915 | 927 | 383 | 427 | 557 | 740 | 317 | 381 | 272 | 277 | |
b) Rent, taxes and lighting | 15 | 16 | 25 | 27 | 10 | 11 | 14 | 19 | 10 | 11 | 9 | 6 | |
c) Printing and stationery | 8 | 8 | 11 | 11 | 3 | 4 | 6 | 7 | 4 | 4 | 8 | 5 | |
d) Advertisement and publicity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
e) Depreciation on Bank's property | 6 | 7 | 2 | 3 | 1 | 2 | 7 | 9 | 2 | 3 | 7 | 9 | |
f) Directors' fees, allowances and expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
g) Auditors' fees and expenses | 3 | 3 | 3 | 4 | 0 | 1 | 1 | 2 | 1 | 2 | 1 | 1 | |
h) Law charges | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
i) Postage, telegrams, telephones, etc. | 8 | 10 | 7 | 10 | 2 | 2 | 4 | 4 | 2 | 2 | 4 | 4 | |
j) Repairs and maintenance | 3 | 4 | 1 | 1 | 0 | 1 | 0 | 1 | 1 | 1 | 0 | 0 | |
k) Insurance | 7 | 8 | 13 | 11 | 6 | 8 | 11 | 14 | 6 | 8 | 1 | 1 | |
l) Other expenditure | 27 | 29 | 56 | 77 | 38 | 11 | 9 | 22 | 20 | 16 | 22 | 23 | |
V. | Provisions and contingencies | 122 | 108 | 0 | 0 | 0 | 0 | 49 | 61 | 95 | 49 | 163 | 195 |
Total expenses* | 2028 | 2315 | 3191 | 3660 | 1396 | 1582 | 1824 | 2218 | 1242 | 1469 | 1558 | 1865 | |
VI. | Profit /loss | 122 | 383 | -209 | -210 | 128 | 263 | 709 | 698 | 115 | 160 | 180 | 281 |
Total (III+IV+V+VI) | 2271 | 2807 | 2981 | 3450 | 1524 | 1845 | 2582 | 2977 | 1452 | 1678 | 1901 | 2341 | |
*: Excluding `Provisions and Contingencies' | |||||||||||||
Source : Annual accounts of banks of respective years. |