Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 5 of 8)

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ਪ੍ਰਕਾਸ਼ਿਤ ਤਾਰੀਖ ਦਸੰਬਰ 31, 2001

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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.