Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 7 of 8) - ஆர்பிஐ - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 7 of 8)
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Rushikulya |
Ratlam Mandsaur |
Ratnagiri |
Rayalaseema |
Rewa Sidhi |
Sabarkantha- |
|||||||
Gramin Bank |
Kshetriya |
Sindhudurg |
Gramin Bank |
Gramin Bank |
Gandhinagar |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(289) |
(290) |
(291) |
(292) |
(293) |
(294) |
(295) |
(296) |
(297) |
(298) |
(299) |
(300) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
2300 |
2918 |
1127 |
1335 |
828 |
981 |
5936 |
6766 |
2714 |
3095 |
979 |
1146 |
a) Interest/discount on advances/bills |
817 |
947 |
307 |
341 |
350 |
443 |
3637 |
4131 |
492 |
644 |
292 |
302 |
|
b) Income on Investments |
1483 |
1971 |
806 |
966 |
276 |
338 |
184 |
140 |
1006 |
1024 |
263 |
383 |
|
c) Interest on balances with |
0 |
0 |
13 |
27 |
200 |
199 |
2115 |
2495 |
1214 |
1425 |
425 |
461 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
2 |
2 |
0 |
0 |
2 |
2 |
0 |
0 |
|
II. |
Other income |
113 |
245 |
49 |
44 |
22 |
25 |
242 |
305 |
36 |
39 |
77 |
35 |
a) Commission, exchange and brokerage |
19 |
29 |
33 |
32 |
4 |
3 |
106 |
108 |
9 |
10 |
26 |
24 |
|
b) Other miscellaneous income |
94 |
216 |
16 |
12 |
18 |
22 |
136 |
196 |
27 |
29 |
51 |
11 |
|
|
|||||||||||||
Total (I+II) |
2413 |
3162 |
1176 |
1379 |
850 |
1006 |
6178 |
7071 |
2750 |
3134 |
1056 |
1182 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1712 |
2105 |
788 |
907 |
578 |
672 |
3471 |
4173 |
1753 |
1930 |
663 |
779 |
a) Interest on deposits |
1545 |
1927 |
711 |
829 |
537 |
624 |
2918 |
3553 |
1655 |
1850 |
571 |
686 |
|
b) Interest on RBI/inter-bank borrowings |
167 |
178 |
76 |
78 |
41 |
48 |
553 |
621 |
98 |
80 |
90 |
87 |
|
c) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
2 |
6 |
|
IV. |
Operating expenses |
478 |
549 |
244 |
275 |
230 |
272 |
1425 |
1676 |
631 |
641 |
152 |
166 |
a) Payments to and provisions for employees |
423 |
490 |
204 |
231 |
192 |
227 |
1231 |
1451 |
506 |
546 |
129 |
138 |
|
b) Rent, taxes and lighting |
14 |
16 |
10 |
13 |
9 |
12 |
36 |
39 |
15 |
17 |
7 |
7 |
|
c) Printing and stationery |
10 |
11 |
3 |
5 |
5 |
4 |
18 |
21 |
8 |
14 |
2 |
5 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
0 |
0 |
|
e) Depreciation on Bank's property |
8 |
6 |
8 |
8 |
6 |
9 |
16 |
21 |
5 |
6 |
6 |
5 |
|
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 |
1 |
1 |
2 |
2 |
4 |
4 |
1 |
2 |
1 |
1 |
|
h) Law charges |
0 |
1 |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
1 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
3 |
5 |
1 |
1 |
2 |
2 |
21 |
22 |
5 |
5 |
1 |
2 |
|
j) Repairs and maintenance |
2 |
3 |
1 |
0 |
1 |
1 |
0 |
1 |
1 |
2 |
0 |
0 |
|
k) Insurance |
7 |
10 |
4 |
5 |
4 |
4 |
20 |
22 |
12 |
13 |
4 |
5 |
|
l) Other expenditure |
8 |
6 |
13 |
11 |
10 |
11 |
78 |
93 |
76 |
34 |
3 |
3 |
|
V. |
Provisions and contingencies |
90 |
202 |
44 |
79 |
31 |
5 |
286 |
119 |
149 |
-96 |
31 |
20 |
Total expenses* |
2190 |
2654 |
1032 |
1182 |
808 |
944 |
4896 |
5849 |
2384 |
2571 |
815 |
945 |
|
VI. |
Profit /loss |
133 |
306 |
100 |
118 |
11 |
57 |
996 |
1102 |
217 |
659 |
210 |
216 |
|
|||||||||||||
Total (III+IV+V+VI) |
2413 |
3162 |
1176 |
1379 |
850 |
1006 |
6178 |
7071 |
2750 |
3134 |
1056 |
1182 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Sagar |
Sahyadri |
Samastipur |
Samyukt |
Sangameshwar |
Santhal Parganas |
|||||||
Gramin Bank |
Gramin Bank |
Kshetriya |
Kshetriya |
Gramin Bank |
Gramin Bank |
||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(301) |
(302) |
(303) |
(304) |
(305) |
(306) |
(307) |
(308) |
(309) |
(310) |
(311) |
(312) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
3836 |
4752 |
882 |
1051 |
1710 |
1918 |
7237 |
8757 |
1937 |
2488 |
2258 |
2436 |
a) Interest/discount on advances/bills |
494 |
747 |
496 |
604 |
301 |
381 |
394 |
936 |
981 |
1448 |
282 |
309 |
|
b) Income on Investments |
2338 |
2290 |
116 |
201 |
420 |
367 |
4854 |
5893 |
0 |
513 |
725 |
475 |
|
c) Interest on balances with |
1004 |
1715 |
270 |
246 |
989 |
1171 |
1979 |
1918 |
0 |
528 |
1250 |
1652 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
10 |
10 |
957 |
0 |
0 |
0 |
|
II. |
Other income |
52 |
87 |
50 |
57 |
145 |
85 |
94 |
128 |
131 |
253 |
227 |
112 |
a) Commission, exchange and brokerage |
49 |
79 |
12 |
15 |
28 |
51 |
28 |
32 |
51 |
74 |
14 |
13 |
|
b) Other miscellaneous income |
3 |
8 |
38 |
42 |
117 |
34 |
66 |
97 |
80 |
179 |
213 |
99 |
|
|
|||||||||||||
Total (I+II) |
3889 |
4840 |
932 |
1108 |
1855 |
2004 |
7331 |
8885 |
2068 |
2741 |
2484 |
2548 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
2868 |
3457 |
487 |
625 |
1136 |
1325 |
4541 |
5082 |
1149 |
1417 |
1655 |
1684 |
a) Interest on deposits |
2805 |
3376 |
372 |
438 |
1031 |
1227 |
4440 |
4988 |
942 |
1150 |
1566 |
1610 |
|
b) Interest on RBI/inter-bank borrowings |
0 |
0 |
116 |
187 |
96 |
87 |
5 |
4 |
0 |
267 |
89 |
74 |
|
c) Others |
64 |
81 |
0 |
0 |
9 |
12 |
96 |
91 |
206 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
956 |
1007 |
179 |
195 |
519 |
531 |
1646 |
1823 |
436 |
542 |
657 |
690 |
a) Payments to and provisions for employees |
847 |
883 |
148 |
160 |
439 |
451 |
1246 |
1527 |
371 |
465 |
605 |
625 |
|
b) Rent, taxes and lighting |
38 |
40 |
8 |
9 |
13 |
15 |
22 |
30 |
12 |
15 |
9 |
11 |
|
c) Printing and stationery |
15 |
11 |
3 |
4 |
6 |
8 |
11 |
12 |
7 |
8 |
4 |
7 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
7 |
6 |
3 |
4 |
4 |
4 |
6 |
7 |
5 |
8 |
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 |
2 |
3 |
1 |
1 |
1 |
1 |
3 |
3 |
2 |
2 |
2 |
2 |
|
h) Law charges |
1 |
1 |
0 |
0 |
1 |
1 |
1 |
3 |
0 |
1 |
0 |
1 |
|
i) Postage, telegrams, telephones, etc. |
3 |
3 |
3 |
3 |
1 |
2 |
7 |
8 |
6 |
6 |
2 |
2 |
|
j) Repairs and maintenance |
1 |
1 |
2 |
1 |
1 |
2 |
2 |
2 |
0 |
0 |
1 |
1 |
|
k) Insurance |
20 |
25 |
0 |
0 |
28 |
9 |
35 |
38 |
5 |
6 |
5 |
7 |
|
l) Other expenditure |
22 |
34 |
11 |
12 |
24 |
38 |
312 |
192 |
26 |
31 |
27 |
31 |
|
V. |
Provisions and contingencies |
-86 |
-127 |
30 |
37 |
0 |
17 |
0 |
0 |
0 |
57 |
0 |
0 |
Total expenses* |
3825 |
4463 |
667 |
819 |
1655 |
1856 |
6187 |
6905 |
1585 |
1959 |
2311 |
2373 |
|
VI. |
Profit /loss |
150 |
503 |
236 |
252 |
200 |
131 |
1144 |
1980 |
484 |
725 |
173 |
175 |
|
|||||||||||||
Total (III+IV+V+VI) |
3889 |
4840 |
932 |
1108 |
1855 |
2004 |
7331 |
8885 |
2068 |
2741 |
2484 |
2548 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Saran |
Sarayu |
Shahajahanpur |
Shahdol |
Sharda |
Shekhawati |
|||||||
Kshetriya |
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 |
||
|
|||||||||||||
(313) |
(314) |
(315) |
(316) |
(317) |
(318) |
(319) |
(320) |
(321) |
(322) |
(323) |
(324) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
993 |
1203 |
1484 |
1726 |
1415 |
1726 |
652 |
810 |
1262 |
1506 |
2840 |
3349 |
a) Interest/discount on advances/bills |
192 |
228 |
450 |
545 |
497 |
616 |
123 |
162 |
212 |
278 |
933 |
1056 |
|
b) Income on Investments |
8 |
11 |
1026 |
1175 |
302 |
290 |
523 |
642 |
347 |
462 |
1884 |
2293 |
|
c) Interest on balances with |
794 |
965 |
7 |
6 |
590 |
789 |
6 |
6 |
703 |
765 |
23 |
1 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
25 |
30 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
61 |
116 |
52 |
75 |
69 |
30 |
23 |
32 |
42 |
60 |
118 |
408 |
a) Commission, exchange and brokerage |
6 |
7 |
52 |
75 |
45 |
30 |
11 |
12 |
41 |
59 |
15 |
22 |
|
b) Other miscellaneous income |
56 |
109 |
0 |
0 |
24 |
0 |
12 |
20 |
1 |
1 |
103 |
386 |
|
|
|||||||||||||
Total (I+II) |
1055 |
1319 |
1536 |
1802 |
1484 |
1757 |
675 |
842 |
1304 |
1565 |
2958 |
3758 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
809 |
918 |
674 |
775 |
628 |
766 |
559 |
649 |
824 |
949 |
1978 |
2261 |
a) Interest on deposits |
784 |
899 |
586 |
669 |
472 |
602 |
536 |
617 |
793 |
912 |
1829 |
2121 |
|
b) Interest on RBI/inter-bank borrowings |
26 |
19 |
87 |
106 |
0 |
1 |
23 |
32 |
0 |
0 |
1 |
1 |
|
c) Others |
0 |
0 |
0 |
0 |
156 |
163 |
0 |
0 |
31 |
36 |
149 |
140 |
|
IV. |
Operating expenses |
350 |
369 |
240 |
257 |
287 |
262 |
272 |
269 |
359 |
386 |
676 |
772 |
a) Payments to and provisions for employees |
328 |
344 |
193 |
203 |
171 |
198 |
212 |
221 |
320 |
340 |
611 |
697 |
|
b) Rent, taxes and lighting |
4 |
4 |
9 |
11 |
6 |
7 |
6 |
7 |
7 |
9 |
6 |
8 |
|
c) Printing and stationery |
3 |
3 |
7 |
5 |
5 |
5 |
2 |
2 |
3 |
4 |
5 |
6 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
1 |
1 |
8 |
9 |
4 |
5 |
1 |
2 |
2 |
3 |
4 |
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 |
1 |
1 |
1 |
2 |
1 |
1 |
1 |
1 |
3 |
3 |
|
h) Law charges |
0 |
0 |
0 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
3 |
2 |
|
i) Postage, telegrams, telephones, etc. |
0 |
1 |
4 |
4 |
2 |
2 |
1 |
1 |
3 |
3 |
9 |
10 |
|
j) Repairs and maintenance |
1 |
2 |
1 |
1 |
7 |
11 |
0 |
0 |
0 |
1 |
1 |
1 |
|
k) Insurance |
6 |
7 |
5 |
7 |
5 |
5 |
4 |
6 |
6 |
6 |
1 |
1 |
|
l) Other expenditure |
6 |
6 |
13 |
13 |
87 |
27 |
46 |
29 |
17 |
19 |
33 |
40 |
|
V. |
Provisions and contingencies |
59 |
68 |
28 |
15 |
52 |
0 |
0 |
0 |
5 |
0 |
47 |
82 |
Total expenses* |
1160 |
1286 |
914 |
1032 |
863 |
1028 |
831 |
918 |
1183 |
1335 |
2655 |
3033 |
|
VI. |
Profit /loss |
-164 |
-35 |
594 |
754 |
568 |
728 |
-156 |
-76 |
115 |
231 |
256 |
642 |
|
|||||||||||||
Total (III+IV+V+VI) |
1055 |
1319 |
1536 |
1802 |
1484 |
1757 |
675 |
842 |
1304 |
1565 |
2958 |
3758 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Shivalik |
Shivpuri-Guna |
Sri Sathavahana |
Shri |
Singhbhum |
Siwan |
|||||||
Kshetriya |
Kshetriya |
Gramin Bank |
Venkateshwara |
Kshetriya |
Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(325) |
(326) |
(327) |
(328) |
(329) |
(330) |
(331) |
(332) |
(333) |
(334) |
(335) |
(336) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1670 |
1912 |
1421 |
1745 |
1774 |
2063 |
2533 |
3169 |
1877 |
2293 |
2490 |
3141 |
a) Interest/discount on advances/bills |
408 |
470 |
419 |
523 |
861 |
1038 |
1600 |
2053 |
384 |
510 |
237 |
322 |
|
b) Income on Investments |
865 |
1213 |
43 |
26 |
216 |
240 |
186 |
283 |
906 |
1179 |
347 |
410 |
|
c) Interest on balances with |
396 |
229 |
959 |
1197 |
697 |
786 |
746 |
833 |
586 |
604 |
1906 |
2409 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
42 |
104 |
148 |
100 |
276 |
95 |
114 |
148 |
43 |
45 |
37 |
30 |
a) Commission, exchange and brokerage |
6 |
7 |
40 |
45 |
44 |
47 |
68 |
87 |
7 |
10 |
14 |
15 |
|
b) Other miscellaneous income |
36 |
97 |
108 |
55 |
232 |
48 |
46 |
61 |
36 |
36 |
23 |
15 |
|
|
|||||||||||||
Total (I+II) |
1712 |
2016 |
1570 |
1846 |
2050 |
2158 |
2647 |
3317 |
1919 |
2339 |
2527 |
3171 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
910 |
1090 |
1025 |
1166 |
1374 |
1634 |
1599 |
2025 |
1435 |
1660 |
1641 |
1937 |
a) Interest on deposits |
833 |
1000 |
976 |
1124 |
1254 |
1500 |
1410 |
1817 |
1339 |
1636 |
1613 |
1912 |
|
b) Interest on RBI/inter-bank borrowings |
76 |
88 |
49 |
41 |
120 |
134 |
189 |
208 |
93 |
22 |
28 |
25 |
|
c) Others |
1 |
2 |
0 |
0 |
0 |
0 |
0 |
0 |
2 |
2 |
0 |
0 |
|
IV. |
Operating expenses |
310 |
351 |
437 |
463 |
467 |
359 |
640 |
701 |
479 |
494 |
382 |
487 |
a) Payments to and provisions for employees |
241 |
261 |
392 |
414 |
242 |
255 |
545 |
587 |
421 |
437 |
345 |
442 |
|
b) Rent, taxes and lighting |
7 |
11 |
13 |
14 |
7 |
10 |
16 |
20 |
12 |
15 |
7 |
9 |
|
c) Printing and stationery |
3 |
3 |
5 |
6 |
6 |
6 |
9 |
13 |
5 |
5 |
3 |
4 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
13 |
15 |
2 |
3 |
3 |
4 |
6 |
10 |
2 |
3 |
4 |
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 |
1 |
1 |
1 |
1 |
2 |
2 |
1 |
2 |
1 |
1 |
|
h) Law charges |
3 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
3 |
4 |
4 |
3 |
2 |
3 |
14 |
14 |
2 |
3 |
1 |
1 |
|
j) Repairs and maintenance |
1 |
2 |
1 |
1 |
1 |
1 |
3 |
6 |
2 |
1 |
0 |
1 |
|
k) Insurance |
1 |
1 |
6 |
6 |
9 |
11 |
11 |
12 |
2 |
2 |
10 |
10 |
|
l) Other expenditure |
38 |
51 |
12 |
13 |
195 |
67 |
33 |
34 |
31 |
28 |
11 |
15 |
|
V. |
Provisions and contingencies |
-13 |
30 |
13 |
94 |
0 |
0 |
22 |
43 |
0 |
59 |
-103 |
325 |
Total expenses* |
1220 |
1441 |
1462 |
1628 |
1841 |
1993 |
2239 |
2726 |
1913 |
2154 |
2023 |
2424 |
|
VI. |
Profit /loss |
504 |
545 |
95 |
123 |
209 |
165 |
386 |
549 |
6 |
126 |
607 |
422 |
|
|||||||||||||
Total (III+IV+V+VI) |
1712 |
2016 |
1570 |
1846 |
2050 |
2158 |
2647 |
3317 |
1919 |
2339 |
2527 |
3171 |
|
|
|||||||||||||
*: Excluding `Provisions and Contingencies' |
|||||||||||||
Source : Annual accounts of banks of respective years. |