Table 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002(Part 8 of 8)

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Table 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002(Part 8 of 8)


(Amount in Rs. lakh)

	For the year ended March 31

	Solapur		South Malabar		Sravasthi		Sree Anantha
	Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(337)	(338)	(339)	(340)	(341)	(342)	(343)	(344)

Income
I. Interest Earned	705	707	7868	9513	2779	3084	3857	4242
a) Interest/discount on advances/bills	481	525	6043	7596	857	1024	2238	2462
b) Income on Investments	180	174	753	980	775	766	1619	1779
c) Interest on balances with	13	8	1071	918	1144	1294	-	-
RBI and other inter-bank funds
d) Others	31	-	-	19	2	-	-	-
II. Other income	55	71	501	634	190	148	213	289
a) Commission, exchange and brokerage	4	5	497	623	190	148	48	51
b) Other miscellaneous income	51	66	4	12	-	-	165	237

Total (I+II)	760	777	8369	10147	2969	3232	4070	4530

Expenditure & Provisions
III. Interest expended	455	445	4008	4950	1253	1482	2149	2331
a) Interest on deposits	337	342	2587	3378	1110	1327	1727	2003
b) Interest on RBI/inter-bank borrowings	118	104	1422	1572	143	154	422	328
c) Others	-	-	-	-	-	2	-	-
IV. Operating expenses	240	321	2685	3585	660	918	801	835
a) Payments to and provisions for employees	205	250	2199	2987	576	800	658	678
b) Rent, taxes and lighting	9	10	90	113	19	24	18	21
c) Printing and stationery	3	5	29	30	9	12	12	11
d) Advertisement and publicity	-	-	3	3	-	-	2	2
e) Depreciation on Bank's property	3	4	24	30	10	17	18	17
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	5	7	2	3	2	2
h) Law charges	1	1	5	3	1	4	-	1
i) Postage, telegrams, telephones, etc.	3	3	60	73	4	4	8	8
j) Repairs and maintenance	1	1	10	7	1	2	1	1
k) Insurance	2	3	26	31	11	14	3	3
l) Other expenditure	12	43	235	301	26	39	78	90
V. Provisions and contingencies	28	-	201	419	90	188	84	252
Total expenses*	695	766	6694	8535	1913	2400	2950	3165
VI. Profit /loss	37	11	1475	1193	966	644	1035	1113

Total (III+IV+V+VI)	760	777	8369	10147	2969	3232	4070	4530

(Amount in Rs. lakh)

	For the year ended March 31

	Sri Saraswathi		Sri Visakha		Sri Ganganagar		Srirama
	Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(345)	(346)	(347)	(348)	(349)	(350)	(351)	(352)

Income
I. Interest Earned	3163	3873	6010	6864	995	1138	1128	1197
a) Interest/discount on advances/bills	1252	1636	2717	3509	487	648	499	600
b) Income on Investments	1884	2150	3257	3274	144	143	224	229
c) Interest on balances with	27	39	35	-	278	268	404	368
RBI and other inter-bank funds
d) Others	-	47	-	80	86	79	-	-
II. Other income	94	110	184	297	47	56	50	75
a) Commission, exchange and brokerage	75	95	137	129	16	28	36	56
b) Other miscellaneous income	19	15	48	168	31	29	14	19

Total (I+II)	3258	3982	6194	7161	1042	1195	1178	1272

Expenditure & Provisions
III. Interest expended	2271	2819	4031	4358	643	768	751	829
a) Interest on deposits	2069	2578	3563	3806	556	667	657	726
b) Interest on RBI/inter-bank borrowings	202	241	467	551	87	101	93	104
c) Others	-	1	-	-	-	-	-	-
IV. Operating expenses	587	735	1374	2026	238	325	195	224
a) Payments to and provisions for employees	489	607	1258	1907	210	289	168	188
b) Rent, taxes and lighting	20	22	45	48	7	8	7	10
c) Printing and stationery	7	17	18	23	3	3	3	5
d) Advertisement and publicity	-	-	3	1	-	-	-	-
e) Depreciation on Bank's property	9	10	6	4	2	3	4	6
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	5	5	1	1	1	1
h) Law charges	-	-	1	-	-	-	1	-
i) Postage, telegrams, telephones, etc.	4	5	13	15	2	2	1	1
j) Repairs and maintenance	1	1	2	2	-	-	1	1
k) Insurance	16	17	19	27	4	5	4	5
l) Other expenditure	40	54	5	-6	11	13	4	8
V. Provisions and contingencies	140	6	287	145	18	19	51	13
Total expenses*	2858	3554	5404	6384	881	1093	945	1054
VI. Profit /loss	259	423	503	632	144	82	181	205

Total (III+IV+V+VI)	3258	3982	6194	7161	1042	1195	1178	1272

(Amount in Rs. lakh)

	For the year ended March 31

	Subansiri Gaonlia		Sultanpur		Surat-Bharuch		Surendranagar
	Gramin Bank		Kshetriya Gramin Bank		Gramin Bank		Bhavnagar
							Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(353)	(354)	(355)	(356)	(357)	(358)	(359)	(360)

Income
I. Interest Earned	808	963	4029	4426	1252	1364	1335	1787
a) Interest/discount on advances/bills	124	174	1207	1215	648	624	688	884
b) Income on Investments	297	344	2772	3131	179	263	187	201
c) Interest on balances with	382	438	42	73	425	477	460	702
RBI and other inter-bank funds
d) Others	4	6	8	7	-	-	-	-
II. Other income	29	73	62	65	44	42	90	107
a) Commission, exchange and brokerage	12	16	59	64	12	12	64	95
b) Other miscellaneous income	17	57	3	-	31	30	26	12

Total (I+II)	838	1036	4090	4491	1296	1406	1426	1894

Expenditure & Provisions
III. Interest expended	472	566	2573	2881	820	900	929	1181
a) Interest on deposits	459	541	2352	2665	655	752	779	993
b) Interest on RBI/inter-bank borrowings	14	24	221	216	163	146	35	50
c) Others	-	-	-	-	1	1	115	139
IV. Operating expenses	278	377	1088	1234	292	340	294	382
a) Payments to and provisions for employees	228	322	962	1098	205	288	203	284
b) Rent, taxes and lighting	9	11	21	26	13	14	20	14
c) Printing and stationery	5	5	-	11	7	7	6	8
d) Advertisement and publicity	-	-	7	1	-	-	-	-
e) Depreciation on Bank's property	2	2	5	5	10	8	11	12
f) Directors' fees, allowances and expenses	-	1	-	-	-	-	-	-
g) Auditors' fees and expenses	1	-	2	3	1	1	1	1
h) Law charges	-	-	1	2	-	1	-	-
i) Postage, telegrams, telephones, etc.	1	2	4	5	2	2	3	4
j) Repairs and maintenance	1	2	1	1	1	1	1	1
k) Insurance	1	1	25	21	5	5	-	2
l) Other expenditure	29	31	60	61	47	13	49	55
V. Provisions and contingencies	-	-	284	213	141	323	-	43
Total expenses*	750	943	3661	4115	1112	1240	1222	1563
VI. Profit /loss	88	93	146	163	43	-157	203	288

Total (III+IV+V+VI)	838	1036	4090	4491	1296	1406	1426	1894

(Amount in Rs. lakh)

	For the year ended March 31

	Surguja		Thane		Thar Anchalik		Tripura
	Kshetriya Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(361)	(362)	(363)	(364)	(365)	(366)	(367)	(368)

Income
I. Interest Earned	1764	1884	745	784	1130	1329	2364	3344
a) Interest/discount on advances/bills	344	359	50	68	442	547	419	862
b) Income on Investments	74	42	458	459	164	180	1270	1721
c) Interest on balances with	1346	1483	236	256	524	601	675	762
RBI and other inter-bank funds
d) Others	-	-	-	1	-	-	-	-
II. Other income	65	95	14	17	71	112	248	520
a) Commission, exchange and brokerage	26	30	8	9	19	22	102	127
b) Other miscellaneous income	39	64	5	8	52	89	146	393

Total (I+II)	1829	1979	758	801	1201	1440	2612	3864

Expenditure & Provisions
III. Interest expended	1248	1367	387	431	814	950	2325	2614
a) Interest on deposits	1213	1325	383	428	729	840	2121	2570
b) Interest on RBI/inter-bank borrowings	35	42	4	3	86	110	204	43
c) Others	-	-	-	-	-	-	-	-
IV. Operating expenses	497	553	132	173	369	398	1101	1176
a) Payments to and provisions for employees	451	497	99	136	327	346	1010	1068
b) Rent, taxes and lighting	9	11	6	7	10	11	27	29
c) Printing and stationery	4	5	5	5	4	5	12	15
d) Advertisement and publicity	-	-	-	-	-	1	-	-
e) Depreciation on Bank's property	4	4	6	9	3	3	3	3
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	2	-	1	1	2	2	3
h) Law charges	-	-	-	-	-	-	2	2
i) Postage, telegrams, telephones, etc.	2	2	2	2	4	5	4	5
j) Repairs and maintenance	-	-	5	3	-	-	3	3
k) Insurance	9	15	2	5	5	6	15	21
l) Other expenditure	15	18	7	7	15	17	23	27
V. Provisions and contingencies	23	28	34	34	12	34	5	53
Total expenses*	1744	1920	519	604	1183	1348	3426	3789
VI. Profit /loss	61	31	205	163	5	58	-819	21

Total (III+IV+V+VI)	1829	1979	758	801	1201	1440	2612	3864

(Amount in Rs. lakh)

	For the year ended March 31

	Tulsi		Tungabhadra		Uttar Banga		Vaishali
	Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Kshetriya Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(369)	(370)	(371)	(372)	(373)	(374)	(375)	(376)

Income
I. Interest Earned	2261	2483	6746	7631	3216	3725	3576	3595
a) Interest/discount on advances/bills	845	1108	4871	5581	1215	1563	684	683
b) Income on Investments	1409	1358	761	1035	684	631	3	22
c) Interest on balances with	7	-	1114	1014	1308	1516	2717	2677
RBI and other inter-bank funds
d) Others	-	17	-	-	9	15	172	213
II. Other income	169	166	638	1057	277	337	345	691
a) Commission, exchange and brokerage	127	164	126	152	52	48	37	48
b) Other miscellaneous income	42	2	512	905	225	289	308	643

Total (I+II)	2430	2649	7384	8687	3493	4062	3921	4287

Expenditure & Provisions
III. Interest expended	1189	1367	3722	4226	2138	2408	2664	3013
a) Interest on deposits	1054	1196	2847	3160	2064	2335	2591	2938
b) Interest on RBI/inter-bank borrowings	135	171	875	1066	74	73	73	75
c) Others	-	-	-	-	-	-	-	-
IV. Operating expenses	621	856	1654	2089	1136	1380	1210	1239
a) Payments to and provisions for employees	554	736	1443	1851	909	1130	1139	1160
b) Rent, taxes and lighting	14	18	35	37	21	25	17	18
c) Printing and stationery	10	15	21	22	5	6	6	7
d) Advertisement and publicity	-	-	-	-	2	1	-	-
e) Depreciation on Bank's property	9	12	16	18	8	9	3	2
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	3	7	5	3	3	2	2
h) Law charges	2	1	3	2	2	1	-	-
i) Postage, telegrams, telephones, etc.	5	5	21	24	5	6	2	3
j) Repairs and maintenance	1	4	5	6	1	1	-	-
k) Insurance	11	11	1	1	18	20	19	22
l) Other expenditure	13	50	102	122	163	180	21	24
V. Provisions and contingencies	39	-	405	763	155	170	26	195
Total expenses*	1810	2223	5376	6314	3274	3788	3874	4252
VI. Profit /loss	580	425	1603	1610	64	104	21	-161

Total (III+IV+V+VI)	2430	2649	7384	8687	3493	4062	3921	4287

(Amount in Rs. lakh)

	For the year ended March 31

	Vallalar		Valsad-Dangs		Varada		Vidisha Bhopal
	Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(377)	(378)	(379)	(380)	(381)	(382)	(383)	(384)

Income
I. Interest Earned	623	709	1357	1522	993	1116	1143	1298
a) Interest/discount on advances/bills	302	388	431	432	758	818	574	670
b) Income on Investments	105	184	497	614	235	298	201	192
c) Interest on balances with	216	137	428	475	-	-	322	394
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	46	41
II. Other income	33	27	37	39	50	193	77	85
a) Commission, exchange and brokerage	10	10	25	23	9	11	34	50
b) Other miscellaneous income	23	17	12	15	41	183	44	35

Total (I+II)	657	736	1393	1561	1043	1309	1220	1382

Expenditure & Provisions
III. Interest expended	264	343	745	809	633	683	720	828
a) Interest on deposits	200	251	687	754	458	483	623	699
b) Interest on RBI/inter-bank borrowings	14	31	58	55	33	30	9	14
c) Others	50	61	-	-	142	170	88	115
IV. Operating expenses	149	191	233	317	261	360	142	199
a) Payments to and provisions for employees	110	149	192	272	200	280	91	139
b) Rent, taxes and lighting	6	7	10	10	9	9	16	22
c) Printing and stationery	3	3	4	5	3	5	6	6
d) Advertisement and publicity	-	-	-	-	2	2	-	-
e) Depreciation on Bank's property	6	6	3	3	12	13	5	4
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	1	1	1	1	1	1
h) Law charges	-	-	1	-	-	3	-	-
i) Postage, telegrams, telephones, etc.	3	4	5	5	6	6	2	3
j) Repairs and maintenance	2	3	-	-	2	5	1	-
k) Insurance	3	2	1	-	2	3	3	4
l) Other expenditure	15	18	17	20	25	33	17	19
V. Provisions and contingencies	28	25	83	12	85	61	68	62
Total expenses*	413	534	978	1125	894	1043	862	1027
VI. Profit /loss	215	177	331	424	64	205	290	293

Total (III+IV+V+VI)	657	736	1393	1561	1043	1309	1220	1382

(Amount in Rs. lakh)

	For the year ended March 31

	Vidur		Vindhyavasini		Visweshwaraya		Yavatmal
	Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(385)	(386)	(387)	(388)	(389)	(390)	(391)	(392)

Income
I. Interest Earned	1244	1429	1229	1275	646	736	656	726
a) Interest/discount on advances/bills	367	557	377	401	417	483	254	329
b) Income on Investments	210	74	208	153	122	230	104	111
c) Interest on balances with	660	788	645	721	106	22	298	287
RBI and other inter-bank funds
d) Others	7	9	-	-	-	-	-	-
II. Other income	81	191	50	55	62	67	22	25
a) Commission, exchange and brokerage	68	29	49	54	12	14	10	12
b) Other miscellaneous income	13	162	1	-	50	52	12	13

Total (I+II)	1325	1620	1279	1330	708	803	678	752

Expenditure & Provisions
III. Interest expended	562	656	773	878	386	438	325	362
a) Interest on deposits	464	552	701	806	332	381	280	304
b) Interest on RBI/inter-bank borrowings	92	95	71	72	54	58	-	-
c) Others	6	9	-	-	-	-	45	58
IV. Operating expenses	402	407	282	375	191	197	147	207
a) Payments to and provisions for employees	364	313	237	327	163	169	123	181
b) Rent, taxes and lighting	6	9	10	10	6	7	5	5
c) Printing and stationery	3	6	5	7	6	3	3	3
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	4	14	6	10	4	5	2	4
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	1	1	1	1	1	1
h) Law charges	1	1	5	2	-	-	-	-
i) Postage, telegrams, telephones, etc.	4	5	2	3	1	2	1	1
j) Repairs and maintenance	1	2	1	-	-	-	-	1
k) Insurance	-	1	5	7	2	3	3	3
l) Other expenditure	18	55	10	8	7	8	8	10
V. Provisions and contingencies	28	55	173	13	31	22	53	22
Total expenses*	964	1063	1055	1253	577	635	472	569
VI. Profit /loss	333	502	52	64	101	146	154	161

Total (III+IV+V+VI)	1325	1620	1279	1330	708	803	678	752

* : Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years.