Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 8 of 12)

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 8 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Mizoram		Monghyr Kshetriya		Murshidabad		Muzaffarnagar
			Rural Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(233)	(234)	(235)	(236)	(237)	(238)	(239)	(240)
Income

I.	Interest Earned		575	618	1728	2242	784	1089	612	753
	a)	Interest/discount on advances/bills	108	121	175	211	221	286	155	210

	b)	Income on Investments	189	179	601	585	416	515	322	335

	c)	Interest on balances with	278	317	952	1446	147	288	135	208
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		7	8	50	58	54	68	19	15
	a)	Commission, exchange and brokerage	6	8	7	8	6	14	4	5

	b)	Other miscellaneous income	1	-	44	49	48	53	15	10
Total (I+II)			582	625	1779	2299	838	1157	632	768
Expenditure & Provisions
III.	Interest expended		245	289	1442	1702	598	807	333	374
	a)	Interest on deposits	208	259	1411	1668	559	760	291	319

	b)	Interest on RBI/inter-bank borrowings	37	31	31	33	39	46	13	17

	c)	Others	-	-	-	-	-	-	30	39

IV.	Operating expenses		207	238	703	743	228	246	161	226
	a)	Payments to and provisions for employees	175	194	656	683	189	201	133	196

	b)	Rent, taxes and lighting	10	11	13	14	5	5	5	5

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

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

	e)	Depreciation on Bank's property	2	2	2	2	1	1	3	3

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

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

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

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

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

	k)	Insurance	2	2	11	12	3	5	5	4

	l)	Other expenditure	13	18	11	24	25	27	40	13

V.	Provisions and contingencies		69	64	946	-75	148	77	31	55
	Total expenses*		452	527	2145	2445	826	1052	495	600
VI.	Profit (loss)		61	34	-1312	-71	-136	28	107	113
	Total (III+IV+V+VI)		582	625	1779	2299	838	1157	632	768
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Nadia		Nagaland		Nagarjuna		NainitalAlmora Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(241)	(242)	(243)	(244)	(245)	(246)	(247)	(248)
Income

I.	Interest Earned		1549	1883	77	78	2728	3276	1178	1494
	a)	Interest/discount on advances/bills	374	396	19	23	1511	1577	450	614

	b)	Income on Investments	647	716	58	54	501	650	711	861

	c)	Interest on balances with	528	771	-	-	716	1049	16	18
		RBI and other inter-bank funds

	d)	Others	-	-	-	1	-	-	-	-

II.	Other income		56	84	2	3	259	130	26	38
	a)	Commission, exchange and brokerage	11	20	1	1	125	113	5	7

	b)	Other miscellaneous income	45	64	1	2	134	17	21	30
Total (I+II)			1605	1967	79	81	2987	3406	1203	1532
Expenditure & Provisions
III.	Interest expended		1037	1300	38	38	1635	1871	686	842
	a)	Interest on deposits	902	1157	36	37	1378	1536	606	748

	b)	Interest on RBI/inter-bank borrowings	135	142	1	1	253	333	79	93

	c)	Others	-	-	1	-	3	2	1	1

IV.	Operating expenses		396	431	34	35	1165	1179	300	329
	a)	Payments to and provisions for employees	368	386	28	30	1045	1052	245	271

	b)	Rent, taxes and lighting	7	8	1	1	27	35	18	18

	c)	Printing and stationery	4	5	-	-	16	19	4	5

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

	e)	Depreciation on Bank's property	2	2	-	1	4	9	4	4

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

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

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

	i)	Postage, telegrams, telephones, etc.	1	1	-	-	6	8	2	2

	j)	Repairs and maintenance	-	1	-	-	2	2	3	5

	k)	Insurance	1	11	-	1	14	7	4	6

	l)	Other expenditure	12	16	3	2	48	44	19	15

V.	Provisions and contingencies		111	57	-	-	41	58	13	7
	Total expenses*		1433	1730	72	73	2800	3050	986	1171
VI.	Profit (loss)		61	180	8	7	146	298	204	354
	Total (III+IV+V+VI)		1605	1967	79	81	2987	3406	1203	1532
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Nalanda		Netravati		Nimar Kshetriya		North Malabar
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(249)	(250)	(251)	(252)	(253)	(254)	(255)	(256)
Income

I.	Interest Earned		930	1206	384	489	1475	1522	4791	6112
	a)	Interest/discount on advances/bills	148	181	246	335	594	593	3385	4239

	b)	Income on Investments	-	-	14	23	373	398	864	1062

	c)	Interest on balances with	783	1025	125	131	508	531	542	810
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		21	16	30	35	52	90	360	448
	a)	Commission, exchange and brokerage	9	10	5	22	4	5	61	76

	b)	Other miscellaneous income	12	6	25	14	47	85	298	372
Total (I+II)			952	1221	415	524	1526	1612	5151	6560
Expenditure & Provisions
III.	Interest expended		859	1062	246	312	985	1122	2490	3261
	a)	Interest on deposits	844	1041	196	258	884	1024	1574	2087

	b)	Interest on RBI/inter-bank borrowings	15	21	50	54	3	9	916	1174

	c)	Others	-	-	-	-	98	89	-	-

IV.	Operating expenses		422	447	145	157	403	398	1457	1619
	a)	Payments to and provisions for employees	385	408	127	136	365	354	1144	1256

	b)	Rent, taxes and lighting	6	7	6	8	11	12	41	54

	c)	Printing and stationery	3	3	2	2	6	4	18	21

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

	e)	Depreciation on Bank's property	3	3	2	2	3	3	9	13

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

	g)	Auditors' fees and expenses	1	1	-	1	1	2	2	4

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

	i)	Postage, telegrams, telephones, etc.	2	2	2	2	1	0	28	33
								bsp;
	j)	Repairs and maintenance	-	-	-	-	1	1	2	1

	k)	Insurance	1	1	1	2	1	1	46	59

	l)	Other expenditure	20	21	4	4	99	20	166	177

V.	Provisions and contingencies		209	68	-	5	85	51	-	125
	Total expenses*		1281	1509	391	469	1388	1520	3947	4880
VI.	Profit (loss)		-538	-356	23	50	53	41	1204	1555
	Total (III+IV+V+VI)		952	1221	415	524	1526	1612	5151	6560
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Palamau Kshetriya		Panchmahal Vadodara		Pandyan		Parvatiya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(257)	(258)	(259)	(260)	(261)	(262)	(263)	(264)
Income

I.	Interest Earned		1383	1544	1040	1359	3886	4641	686	881
	a)	Interest/discount on advances/bills	288	307	390	560	2091	2388	141	175

	b)	Income on Investments	217	238	398	483	1793	352	176	178

	c)	Interest on balances with	878	930	253	316	2	1901	370	527
		RBI and other inter-bank funds

	d)	Others	-	70	-	-	-	-	-	-

II.	Other income		28	45	33	31	206	292	16	25
	a)	Commission, exchange and brokerage	17	18	15	19	186	246	7	14

	b)	Other miscellaneous income	11	27	18	12	20	46	9	11
Total (I+II)			1411	1589	1073	1390	4092	4932	703	906
Expenditure & Provisions
III.	Interest expended		1059	998	692	862	2450	3139	462	599
	a)	Interest on deposits	1030	952	576	734	2097	2696	427	564

	b)	Interest on RBI/inter-bank borrowings	27	44	116	128	353	443	35	35

	c)	Others	2	2	-	-	-	-	-	-

IV.	Operating expenses		496	524	318	344	1177	1351	124	146
	a)	Payments to and provisions for employees	439	463	274	283	995	1139	105	124

	b)	Rent, taxes and lighting	12	13	9	10	32	35	4	5

	c)	Printing and stationery	6	8	4	5	16	19	2	3

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

	e)	Depreciation on Bank's property	4	4	4	11	15	16	1	1

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

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

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

	i)	Postage, telegrams, telephones, etc.	2	2	3	4	22	27	1	1

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

	k)	Insurance	5	6	1	1	15	20	2	4

	l)	Other expenditure	25	24	21	27	77	89	8	8

V.	Provisions and contingencies		35	-	-	65	41	-	-	-
	Total expenses*		1555	1522	1010	1206	3627	4490	586	745
VI.	Profit (loss)		-179	67	63	119	425	442	116	161
	Total (III+IV+V+VI)		1411	1589	1073	1390	4092	4932	703	906