Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 11 of 12)

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 11 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Shri Sathavahana		Shri Venkateshwara		Singhbhum Kshetriya		Siwan Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(329)	(330)	(331)	(332)	(333)	(334)	(335)	(336)
Income

I.	Interest Earned		1424	1774	2119	2533	1415	1877	2169	2490
	a)	Interest/discount on advances/bills	715	861	1370	1600	301	384	226	237

	b)	Income on Investments	161	216	79	186	643	906	245	347

	c)	Interest on balances with	548	697	670	746	471	586	1698	1906
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		100	276	100	114	157	43	36	37
	a)	Commission, exchange and brokerage	37	44	49	68	10	7	12	14

	b)	Other miscellaneous income	63	232	51	46	147	36	25	23
Total (I+II)			1524	2050	2219	2647	1572	1919	2206	2527
Expenditure & Provisions
III.	Interest expended		1028	1374	1296	1599	1094	1435	1316	1641
	a)	Interest on deposits	905	1254	1132	1410	1019	1339	1290	1613

	b)	Interest on RBI/inter-bank borrowings	123	120	164	189	73	93	25	28

	c)	Others	-	-	-	-	2	2	-	-

IV.	Operating expenses		290	467	626	640	446	479	363	382
	a)	Payments to and provisions for employees	219	242	540	545	402	421	331	345

	b)	Rent, taxes and lighting	7	7	14	16	10	12	6	7

	c)	Printing and stationery	5	6	12	9	4	5	4	3

	d)	Advertisement and publicity	-	-	1	1	-	-	-	-

	e)	Depreciation on Bank's property	2	3	4	6	2	2	3	4

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	1	1	2	1	1	1	1

	h)	Law charges	-	-	-	-	-	-	-	-

	i)	Postage, telegrams, telephones, etc.	2	2	11	14	1	2	-	1

	j)	Repairs and maintenance	1	1	3	3	2	2	-	-

	k)	Insurance	2	9	9	11	2	2	9	10

	l)	Other expenditure	51	195	31	33	22	31	7	11

V.	Provisions and contingencies		-	-	25	22	10	-	108	-103
	Total expenses*		1318	1841	1922	2239	1540	1913	1678	2023
VI.	Profit (loss)		206	209	272	386	22	6	420	607
	Total (III+IV+V+VI)		1524	2050	2219	2647	1572	1919	2206	2527
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Solapur		South Malabar		Sravasthi		Sree Ananta
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(337)	(338)	(339)	(340)	(341)	(342)	(343)	(344)
Income

I.	Interest Earned		503	617	5555	6678	2095	..	2966	3321
	a)	Interest/discount on advances/bills	341	422	4122	4847	511	..	1854	1927

	b)	Income on Investments	97	111	662	663	609	..	1109	1394

	c)	Interest on balances with	8	7	768	1155	975	..	3	-
		RBI and other inter-bank funds

	d)	Others	57	77	3	14	-	..	-	-

II.	Other income		33	34	447	536	128	..	132	157
	a)	Commission, exchange and brokerage	3	4	423	532	87	..	43	45

	b)	Other miscellaneous income	30	30	24	4	40	..	89	112
Total (I+II)			536	650	6002	7214	2223	..	3098	3478
Expenditure & Provisions
III.	Interest expended		333	401	2694	3320	1011	..	1567	1904
	a)	Interest on deposits	233	292	1690	2104	893	..	1194	1493

	b)	Interest on RBI/inter-bank borrowings	100	110	1004	1215	118	..	373	411

	c)	Others	-	-	-	-	-	..	-	-

IV.	Operating expenses		193	215	2388	2455	599	..	579	662
	a)	Payments to and provisions for employees	160	174	2064	2044	539	..	473	535

	b)	Rent, taxes and lighting	10	9	56	71	12	..	14	16

	c)	Printing and stationery	4	3	23	28	6	..	9	9

	d)	Advertisement and publicity	-	-	-	2	-	..	-	2

	e)	Depreciation on Bank's property	3	3	9	12	7	..	10	14

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	..	-	-

	g)	Auditors' fees and expenses	-	-	2	5	1	..	1	2

	h)	Law charges	-	-	3	2	-	..	-	-

	i)	Postage, telegrams, telephones, etc.	-	-1	42	57	3	..	10	8

	j)	Repairs and maintenance	1	1	5	8	1	..	-	1

	k)	Insurance	1	1	16	19	9	..	3	3

	l)	Other expenditure	15	24	167	206	18	..	59	73

V.	Provisions and contingencies		8	58	10	161	-	..	15	-7
	Total expenses*		526	617	5082	5775	1610	..	2147	2567
VI.	Profit (loss)		3	-25	910	1278	612	..	936	918
	Total (III+IV+V+VI)		536	650	6002	7214	2223	..	3098	3478
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Sri Saraswathi		Sri Visakha		Sriganganagar Kshetriya		Srirama
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(345)	(346)	(347)	(348)	(349)	(350)	(351)	(352)
Income

I.	Interest Earned		2315	..	4304	5367	713	896	881	1029
	a)	Interest/discount on advances/bills	903	..	1870	2289	353	435	408	449

	b)	Income on Investments	1388	..	2404	3034	134	138	168	238

	c)	Interest on balances with	24	..	30	44	212	233	-	342
		RBI and other inter-bank funds

	d)	Others	-	..	-	-	14	90	306	-

II.	Other income		310	..	120	145	46	42	40	316
	a)	Commission, exchange and brokerage	55	..	104	107	6	10	26	33

	b)	Other miscellaneous income	256	..	16	38	40	32	14	283
Total (I+II)			2625	..	4424	5512	759	938	921	1344
Expenditure & Provisions
III.	Interest expended		1488	..	3043	3575	558	602	515	660
	a)	Interest on deposits	1325	..	2655	3177	485	521	418	559

	b)	Interest on RBI/inter-bank borrowings	-	..	388	398	73	81	97	101

	c)	Others	163	..	-	-	-	-	-	-

IV.	Operating expenses		446	..	1158	1313	198	225	153	196
	a)	Payments to and provisions for employees	370	..	1040	1191	171	197	130	171

	b)	Rent, taxes and lighting	16	..	37	47	6	6	7	6

	c)	Printing and stationery	10	..	20	19	2	3	4	3

	d)	Advertisement and publicity	-	..	2	2	-	-	-	-

	e)	Depreciation on Bank's property	7	..	3	4	1	2	3	4

	f)	Directors' fees, allowances and expenses	-	..	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	..	3	4	-	1	-	1

	h)	Law charges	-	..	-	-	-	-	-	1

	i)	Postage, telegrams, telephones, etc.	4	..	13	13	1	1	1	1

	j)	Repairs and maintenance	1	..	2	1	-	-	1	1

	k)	Insurance	10	..	33	28	4	4	5	4

	l)	Other expenditure	28	..	5	2	12	11	3	4

V.	Provisions and contingencies		153	..	72	258	-	18	25	225
	Total expenses*		1934	..	4201	4888	756	827	668	856
VI.	Profit (loss)		538	..	150	366	3	93	229	263
	Total (III+IV+V+VI)		2625	..	4424	5512	759	938	921	1344
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Subansiri Gaonlia		Sultanpur Kshetriya		Surat-Bharuch		Surendranagar Bhavnagar
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(353)	(354)	(355)	(356)	(357)	(358)	(359)	(360)
Income

I.	Interest Earned		596	736	2954	3611	994	1100	822	1060
	a)	Interest/discount on advances/bills	71	103	827	1062	556	670	403	545

	b)	Income on Investments	181	244	2030	2503	166	148	100	150

	c)	Interest on balances with	344	388	88	38	272	283	318	365
		RBI and other inter-bank funds

	d)	Others	-	-	9	9	-	-	-	-

II.	Other income		174	29	39	52	38	50	91	82
	a)	Commission, exchange and brokerage	7	11	36	50	10	14	39	53

	b)	Other miscellaneous income	167	18	2	3	28	36	52	29
Total (I+II)			770	765	2993	3664	1032	1149	912	1142
Expenditure & Provisions
III.	Interest expended		332	419	1924	2239	625	729	538	653
	a)	Interest on deposits	320	408	1761	2020	494	557	451	530

	b)	Interest on RBI/inter-bank borrowings	12	11	163	220	125	168	11	97

	c)	Others	-	-	-	-	6	5	77	25

IV.	Operating expenses		261	272	780	972	220	256	211	258
	a)	Payments to and provisions for employees	210	213	697	875	176	198	177	192

	b)	Rent, taxes and lighting	7	8	14	16	8	11	10	14

	c)	Printing and stationery	4	4	-	7	4	6	4	5

	d)	Advertisement and publicity	-	-	6	-	-	1	-	-

	e)	Depreciation on Bank's property	1	2	4	4	6	12	7	12

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	-	2	2	-	1	-	-

	h)	Law charges	-	-	1	1	-	-	1	1

	i)	Postage, telegrams, telephones, etc.	1	1	2	3	3	3	2	3

	j)	Repairs and maintenance	1	1	1	1	-	1	1	-

	k)	Insurance	1	1	16	14	3	4	2	1

	l)	Other expenditure	34	40	37	49	18	19	8	30

V.	Provisions and contingencies		-	-	17	72	17	162	9	-
	Total expenses*		593	690	2704	3211	845	986	749	910
VI.	Profit (loss)		177	74	272	381	171	1	154	231
	Total (III+IV+V+VI)		770	765	2993	3664	1032	1149	912	1142