Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 6 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 6 of 8)

(Amount in Rs. lakh)

		For the year ended March 31

Items		Nadia		Nagaland		Nagarjuna		Nainital Almora		Nalanda		Netravati
		Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya		Gramin Bank		Gramin Bank
								Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(241)	(242)	(243)	(244)	(245)	(246)	(247)	(248)	(249)	(250)	(251)	(252)

Income
I.	Interest Earned	1883	2034	78	92	3276	3691	1494	1675	1206	1609	489	628
	a) Interest/discount on advances/bills	396	376	23	31	1577	2077	614	766	181	244	335	474
	b) Income on Investments	716	1658	54	60	650	727	861	863	0	0	23	26
	c) Interest on balances with	771	0	0	0	1049	886	18	46	1025	1365	131	129
	RBI and other inter-bank funds
	d) Others	0	0	1	1	0	0	0	0	0	0	0	0

II.	Other income	84	98	3	3	130	191	38	40	16	18	35	42
	a) Commission, exchange and brokerage	20	32	1	2	113	178	7	6	10	6	22	8
	b) Other miscellaneous income	64	65	2	1	17	13	30	34	6	12	14	34

	Total (I+II)	1967	2132	81	95	3406	3881	1532	1715	1221	1627	524	670


Expenditure & Provisions
III.	Interest expended	1300	1462	38	45	1871	2236	842	933	1062	1223	312	390
	a) Interest on deposits	1157	1343	37	28	1536	1881	748	869	1041	1199	258	314
	b) Interest on RBI/inter-bank borrowings	142	119	1	1	333	337	93	61	21	25	54	77
	c) Others	0	0	0	17	2	18	1	3	0	0	0	0

IV.	Operating expenses	431	445	35	41	1179	1198	329	347	447	527	157	188
	a) Payments to and provisions for employees	386	401	30	32	1052	1033	271	292	408	484	136	164
	b) Rent, taxes and lighting	8	8	1	2	35	39	18	19	7	7	8	8
	c) Printing and stationery	5	4	0	0	19	21	5	5	3	3	2	2
	d) Advertisement and publicity	0	0	0	0	1	1	0	0	0	0	0	0
	e) Depreciation on Bank's property	2	2	1	1	9	13	4	4	3	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	1	1	0	0	2	3	1	1	1	1	1	1
	h) Law charges	1	1	0	0	0	0	1	1	1	0	0	0
	i) Postage, telegrams, telephones, etc.	1	1	0	0	8	8	2	3	2	3	2	3
	j) Repairs and maintenance	1	1	0	0	2	4	5	5	0	0	0	0
	k) Insurance	11	9	1	1	7	16	6	6	1	2	2	2
	l) Other expenditure	16	16	2	4	44	60	15	12	21	22	4	6

V.	Provisions and contingencies	57	41	0	0	58	69	7	38	68	103	5	8

	Total expenses*	1730	1907	73	86	3050	3434	1171	1280	1509	1750	469	579

VI.	Profit /loss	180	184	7	9	298	378	354	397	-356	-226	50	83

	Total (III+IV+V+VI)	1967	2132	81	95	3406	3881	1532	1715	1221	1627	524	670

(Amount in Rs. lakh)

		For the year ended March 31

Items		Nimar Kshetriya		North Malabar		Palamau		Panchmahal		Pandyan		Parvatiya
		Gramin Bank		Gramin Bank		Kshetriya		Vadodara		Gramin Bank		Gramin Bank
						Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(253)	(254)	(255)	(256)	(257)	(258)	(259)	(260)	(261)	(262)	(263)	(264)

Income
I.	Interest Earned	1522	1753	6112	7119	1544	1916	1359	1455	4641	5511	881	1014
	a) Interest/discount on advances/bills	593	650	4239	5331	307	357	560	555	2388	2983	175	196
	b) Income on Investments	398	550	1062	1046	238	228	483	838	352	582	178	162
	c) Interest on balances with	531	553	810	741	930	1235	316	62	1901	0	527	655
	RBI and other inter-bank funds
	d) Others	0	0	0	0	70	95	0	0	0	1946	0	1

II.	Other income	90	42	448	472	45	61	31	48	292	327	25	20
	a) Commission, exchange and brokerage	5	6	76	87	18	27	19	20	246	279	14	8
	b) Other miscellaneous income	85	37	372	385	27	33	12	28	46	48	11	12

	Total (I+II)	1612	1795	6560	7591	1589	1976	1390	1502	4932	5838	906	1034


Expenditure & Provisions
III.	Interest expended	1122	1223	3261	3829	998	1291	862	1011	3139	3702	599	690
	a) Interest on deposits	1024	1128	2087	2434	952	1247	734	878	2696	3177	564	660
	b) Interest on RBI/inter-bank borrowings	9	9	1174	1395	44	42	128	134	443	525	35	29
	c) Others	89	87	0	0	2	2	0	0	0	0	0	0

IV.	Operating expenses	398	459	1619	1775	524	546	344	386	1351	1587	146	211
	a) Payments to and provisions for employees	354	410	1256	1341	463	483	283	303	1139	1353	124	183
	b) Rent, taxes and lighting	12	13	54	79	13	15	10	13	35	40	5	5
	c) Printing and stationery	4	5	21	23	8	7	5	4	19	23	3	3
	d) Advertisement and publicity	0	0	1	1	0	1	0	0	0	0	0	0
	e) Depreciation on Bank's property	3	3	13	27	4	4	11	20	16	22	1	4
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	2	2	4	4	2	2	2	2	5	4	1	1
	h) Law charges	1	1	1	1	1	1	1	1	0	0	0	0
	i) Postage, telegrams, telephones, etc.	0	0	33	35	2	3	4	5	27	24	1	1
	j) Repairs and maintenance	1	1	1	2	1	1	1	1	1	3	0	1
	k) Insurance	1	0	59	61	6	7	1	1	20	24	4	3
	l) Other expenditure	20	24	177	199	24	24	27	37	89	92	8	9

V.	Provisions and contingencies	51	133	125	201	0	0	65	0	0	33	0	0

	Total expenses*	1520	1682	4880	5604	1522	1837	1206	1398	4490	5289	745	901

VI.	Profit /loss	41	-20	1555	1785	67	140	119	105	442	516	161	133

	Total (III+IV+V+VI)	1612	1795	6560	7591	1589	1976	1390	1502	4932	5838	906	1034

(Amount in Rs. lakh)

		For the year ended March 31

Items		Patliputra		Pinakini		Pithoragarh		Pragjyotish		Pratapgarh		Prathama Bank
		Gramin Bank		Gramin Bank		Kshetriya		Gaonlia Bank		Kshetriya
						Gramin Bank				Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(265)	(266)	(267)	(268)	(269)	(270)	(271)	(272)	(273)	(274)	(275)	(276)

Income
I.	Interest Earned	438	529	2757	3378	964	1084	4552	5000	2229	2665	6902	7700
	a) Interest/discount on advances/bills	87	123	1725	2280	211	251	1027	1068	356	479	3107	3746
	b) Income on Investments	250	258	874	1089	247	127	3525	3926	1836	2165	3795	3954
	c) Interest on balances with	101	148	158	9	507	706	0	0	37	21	0	0
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	0	6	0	0	0	0

II.	Other income	5	6	184	300	15	17	134	160	25	59	448	543
	a) Commission, exchange and brokerage	2	2	73	153	11	14	79	94	8	12	70	92
	b) Other miscellaneous income	3	4	111	147	4	3	56	66	17	48	379	451

	Total (I+II)	443	535	2941	3678	979	1101	4686	5159	2254	2724	7351	8242


Expenditure & Provisions
III.	Interest expended	275	342	1695	2027	549	731	2818	3296	1451	1656	3271	3442
	a) Interest on deposits	263	334	1411	1664	508	695	2558	3054	1399	1595	2593	2780
	b) Interest on RBI/inter-bank borrowings	0	0	284	362	41	36	260	239	52	62	678	663
	c) Others	12	8	0	0	0	0	0	3	0	0	0	0

IV.	Operating expenses	98	115	733	841	142	153	1301	1434	523	624	1857	2078
	a) Payments to and provisions for employees	81	96	644	725	112	119	1169	1265	466	545	1670	1854
	b) Rent, taxes and lighting	4	4	20	22	6	7	41	45	9	12	39	47
	c) Printing and stationery	2	2	10	12	3	3	15	28	3	7	14	19
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	3	3	7	8	3	2	14	13	3	6	9	17
	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	1	4	1	1	4	4	1	2	5	5
	h) Law charges	0	0	0	1	0	0	1	1	0	0	2	2
	i) Postage, telegrams, telephones, etc.	1	2	7	9	1	2	7	3	1	1	23	22
	j) Repairs and maintenance	1	0	3	1	1	0	3	2	1	1	3	5
	k) Insurance	2	4	1	1	4	5	3	4	10	12	28	30
	l) Other expenditure	4	5	38	58	12	14	44	69	26	38	65	78

V.	Provisions and contingencies	0	7	0	0	0	0	396	421	68	45	61	105

	Total expenses*	373	457	2428	2867	692	884	4119	4730	1974	2280	5128	5520

VI.	Profit /loss	70	71	513	811	287	217	170	8	212	399	2162	2617

	Total (III+IV+V+VI)	443	535	2941	3678	979	1101	4686	5159	2254	2724	7351	8242

(Amount in Rs. lakh)

		For the year ended March 31

Items		Puri		Rae Bareli		Raigarh		Rajgarh		Ranchi		Rani Laxmibai
		Gramin Bank		Kshetriya		Kshetriya		Kshetriya		Kshetriya		Kshetriya
				Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(277)	(278)	(279)	(280)	(281)	(282)	(283)	(284)	(285)	(286)	(287)	(288)

Income
I.	Interest Earned	3128	3803	2408	2677	1126	1339	987	1174	1289	1464	477	566
	a) Interest/discount on advances/bills	1814	2119	419	530	218	224	470	568	376	403	247	285
	b) Income on Investments	1313	1683	1238	1186	25	18	240	290	242	162	60	90
	c) Interest on balances with	1	1	723	934	883	1097	276	316	672	899	0	0
	RBI and other inter-bank funds
	d) Others	0	0	29	27	0	0	0	0	0	0	170	191

II.	Other income	118	119	19	40	115	35	32	35	26	29	17	76
	a) Commission, exchange and brokerage	85	91	12	16	13	17	4	7	5	6	4	12
	b) Other miscellaneous income	34	28	7	23	102	18	28	28	21	23	13	64

	Total (I+II)	3246	3921	2427	2716	1241	1374	1019	1208	1315	1493	494	642


Expenditure & Provisions
III.	Interest expended	2294	2833	1453	1667	749	730	729	831	996	1092	485	545
	a) Interest on deposits	1933	2333	1395	1614	708	690	632	744	920	1038	450	506
	b) Interest on RBI/inter-bank borrowings	361	500	58	54	40	39	5	3	0	0	0	0
	c) Others	0	0	0	0	0	0	93	84	76	54	35	39

IV.	Operating expenses	933	998	526	614	357	368	277	325	465	481	302	301
	a) Payments to and provisions for employees	802	865	468	548	338	326	238	266	414	435	258	250
	b) Rent, taxes and lighting	27	30	9	14	7	7	9	10	11	11	10	12
	c) Printing and stationery	13	12	8	10	4	4	4	4	7	3	4	3
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	7	9	6	8	1	1	3	5	6	3	2	3
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	3	4	1	2	0	1	1	1	1	2	0	1
	h) Law charges	0	0	0	1	0	0	0	1	0	1	0	1
	i) Postage, telegrams, telephones, etc.	3	2	4	4	2	2	2	2	2	2	3	3
	j) Repairs and maintenance	1	1	4	4	1	1	1	1	1	1	1	1
	k) Insurance	15	18	7	11	5	11	0	1	8	8	0	0
	l) Other expenditure	62	57	18	14	1	15	19	34	17	15	24	27

V.	Provisions and contingencies	0	239	92	88	55	99	-9	10	30	57	170	35

	Total expenses*	3227	3831	1978	2281	1106	1098	1006	1156	1461	1574	787	846

VI.	Profit /loss	19	-149	357	348	79	177	22	42	-176	-137	-462	-239

	Total (III+IV+V+VI)	3246	3921	2427	2716	1241	1374	1019	1208	1315	1493	494	642

*: Excluding `Provisions and Contingencies'
Source : Annual accounts of banks of respective years.