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

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

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Surguja Kshetriya		Thane		Thar Anchalik		Tripura
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(361)	(362)	(363)	(364)	(365)	(366)	(367)	(368)
Income

I.	Interest Earned		1210	1521	568	617	698	885	1563	2032
	a)	Interest/discount on advances/bills	227	325	41	39	270	323	243	287

	b)	Income on Investments	20	72	345	373	261	155	755	1054

	c)	Interest on balances with	963	1123	177	204	165	407	565	691
		RBI and other inter-bank funds

	d)	Others	-	1	5	-	1	-	-	-

II.	Other income		27	45	14	17	69	79	88	78
	a)	Commission, exchange and brokerage	22	23	8	8	15	15	87	76

	b)	Other miscellaneous income	5	22	7	9	53	64	1	2
Total (I+II)			1237	1565	582	635	766	964	1651	2111
Expenditure & Provisions
III.	Interest expended		1015	1139	287	339	575	699	1757	2043
	a)	Interest on deposits	977	1118	278	332	521	624	1567	1775

	b)	Interest on RBI/inter-bank borrowings	-	21	9	7	53	74	190	267

	c)	Others	38	-	-	-	1	1	-	1

IV.	Operating expenses		451	502	131	126	342	362	322	1063
	a)	Payments to and provisions for employees	411	456	109	96	304	320	875	986

	b)	Rent, taxes and lighting	8	8	4	5	7	8	23	26

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

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

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

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

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

	h)	Law charges	-	1	-	-	-	-	1	2

	i)	Postage, telegrams, telephones, etc.	1	2	1	2	3	4	3	3

	j)	Repairs and maintenance	2	1	4	3	-	-	2	2

	k)	Insurance	7	10	1	4	4	5	10	12

	l)	Other expenditure	14	15	6	6	16	15	-605	17

V.	Provisions and contingencies		24	-	28	26	35	24	-310	-327
	Total expenses*		1465	1641	418	465	917	1062	2079	3107
VI.	Profit (loss)		-251	-75	136	143	-185	-122	-119	-669
	Total (III+IV+V+VI)		1237	1565	582	635	766	964	1651	2111
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Tulsi		Tungabhadra		Uttar Banga Kshetriya		Vaishali Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(369)	(370)	(371)	(372)	(373)	(374)	(375)	(376)
Income

I.	Interest Earned		1489	1920	5259	6065	1852	2417	2400	2843
	a)	Interest/discount on advances/bills	539	659	3345	3955	519	789	574	567

	b)	Income on Investments	939	1256	985	961	427	659	3	3

	c)	Interest on balances with	11	5	928	1145	859	944	1823	2253
		RBI and other inter-bank funds

	d)	Others	-	-	-	4	47	26	-	21

II.	Other income		131	75	385	566	181	271	130	425
	a)	Commission, exchange and brokerage	130	74	89	113	21	27	22	37

	b)	Other miscellaneous income	1	1	297	454	159	244	108	388
Total (I+II)			1620	1995	5644	6631	2033	2688	2530	3268
Expenditure & Provisions
III.	Interest expended		877	1050	2750	3440	1449	1789	2055	2413
	a)	Interest on deposits	783	940	2021	2443	1372	1717	1995	2339

	b)	Interest on RBI/inter-bank borrowings	94	111	729	839	77	72	60	74

	c)	Others	-	-	-	157	-	-	-	-

IV.	Operating expenses		528	578	1399	1552	950	1090	1114	1156
	a)	Payments to and provisions for employees	488	523	1238	1373	759	879	1054	1094

	b)	Rent, taxes and lighting	8	10	27	32	17	20	13	17

	c)	Printing and stationery	8	8	17	18	5	6	6	6

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

	e)	Depreciation on Bank's property	5	6	13	14	6	6	4	3

	f)	Directors' fees, allowances and expenses	-	-	-	-	1	-	-	-

	g)	Auditors' fees and expenses	1	3	2	2	-	3	1	2

	h)	Law charges	1	1	3	3	2	2	-	-

	i)	Postage, telegrams, telephones, etc.	4	5	20	20	4	4	2	2

	j)	Repairs and maintenance	1	1	4	5	1	1	-	-

	k)	Insurance	9	10	13	18	11	13	13	15

	l)	Other expenditure	4	10	62	67	145	155	20	18

V.	Provisions and contingencies		70	8	295	309	172	140	8	19
	Total expenses*		1405	1638	4149	4992	2399	2879	3169	3569
VI.	Profit (loss)		145	357	1200	1330	-539	-331	-647	-321
	Total (III+IV+V+VI)		1620	1995	5644	6631	2033	2688	2530	3268
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Vallalar		Valsad-Dangs		Varada		Vibisha Bhopal Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(377)	(378)	(379)	(380)	(381)	(382)	(383)	(384)
Income

I.	Interest Earned		562	542	967	1169	758	919	619	843
	a)	Interest/discount on advances/bills	306	273	313	345	521	667	321	402

	b)	Income on Investments	40	248	291	382	234	252	77	101

	c)	Interest on balances with	216	20	363	441	2	-	170	291
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	51	49

II.	Other income		27	30	27	37	36	56	25	30
	a)	Commission, exchange and brokerage	7	10	16	23	5	8	22	27

	b)	Other miscellaneous income	20	19	11	14	30	48	2	3
Total (I+II)			590	572	995	1206	793	975	644	873
Expenditure & Provisions
III.	Interest expended		228	232	528	656	472	562	421	519
	a)	Interest on deposits	170	171	460	584	335	398	389	462

	b)	Interest on RBI/inter-bank borrowings	11	17	68	72	137	28	-	1

	c)	Others	46	44	-	-	-	136	33	56

IV.	Operating expenses		118	130	200	243	197	215	122	138
	a)	Payments to and provisions for employees	94	102	165	201	160	166	81	87

	b)	Rent, taxes and lighting	4	5	8	9	7	8	10	14

	c)	Printing and stationery	2	2	3	4	3	3	7	7

	d)	Advertisement and publicity	-	-	-	-	1	2	-	-

	e)	Depreciation on Bank's property	3	4	4	4	8	10	3	6

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

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

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

	i)	Postage, telegrams, telephones, etc.	3	3	3	4	4	4	3	2

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

	k)	Insurance	3	3	-	-	-	2	3	3

	l)	Other expenditure	9	9	15	20	13	18	15	16

V.	Provisions and contingencies		16	8	37	28	-	65	15	25
	Total expenses*		346	361	728	899	670	777	543	657
VI.	Profit (loss)		228	202	229	279	123	133	86	191
	Total (III+IV+V+VI)		590	572	995	1206	793	975	644	873
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Vidur		Vindhyavasini		Visweshwaraya		Yavatmal
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(385)	(386)	(387)	(388)	(389)	(390)	(391)	(392)
Income

I.	Interest Earned		916	1037	869	1088	423	526	466	505
	a)	Interest/discount on advances/bills	174	256	222	273	248	319	180	228

	b)	Income on Investments	191	193	291	295	30	109	84	99

	c)	Interest on balances with	549	584	357	521	144	99	202	178
		RBI and other inter-bank funds

	d)	Others	1	4	-	-	-	-	-	-

II.	Other income		25	31	48	54	37	50	30	32
	a)	Commission, exchange and brokerage	18	22	46	54	8	8	21	22

	b)	Other miscellaneous income	7	9	2	-	29	41	9	10
Total (I+II)			941	1068	917	1142	459	576	496	537
Expenditure & Provisions
III.	Interest expended		419	495	587	693	266	326	238	274
	a)	Interest on deposits	358	418	528	636	229	284	205	236

	b)	Interest on RBI/inter-bank borrowings	49	65	59	58	7	8	-	-

	c)	Others	12	13	-	-	31	35	34	37

IV.	Operating expenses		368	292	240	258	137	153	125	137
	a)	Payments to and provisions for employees	344	262	209	222	118	132	107	117

	b)	Rent, taxes and lighting	4	5	7	7	5	6	4	4

	c)	Printing and stationery	3	3	4	4	3	3	2	2

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

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

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

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

	h)	Law charges	-	-	2	4	-	-	-	-

	i)	Postage, telegrams, telephones, etc.	2	4	1	2	1	1	1	1

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

	k)	Insurance	-	-	3	7	1	2	2	2

	l)	Other expenditure	11	13	9	7	6	6	7	8

V.	Provisions and contingencies		-	-	4	4	3	15	14	17
	Total expenses*		787	787	828	951	403	479	363	410
VI.	Profit (loss)		154	281	86	187	53	81	119	109
	Total (III+IV+V+VI)		941	1068	917	1142	459	576	496	537