TABLE 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 2 of 8)

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TABLE 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002 (Part 2 of 8)


(Amount in Rs. lakh)

	For the year ended March 31

	Bhilwara-Ajmer		Bhojpur Rohtas		Bijapur		Bikaner Kshetriya
	Kshetriya Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)

Income
I. Interest Earned	1698	1979	5614	5861	3919	4193	454	492
a) Interest/discount on advances/bills	876	1063	1003	1087	2467	2737	282	290
b) Income on Investments	201	260	3265	3402	548	742	171	198
c) Interest on balances with	621	657	1346	1373	904	715	1	3
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	78	94	530	2362	216	306	28	30
a) Commission, exchange and brokerage	35	41	11	14	37	39	13	17
b) Other miscellaneous income	43	52	519	2348	178	267	15	13

Total (I+II)	1777	2073	6144	8223	4135	4499	482	522

Expenditure & Provisions
III. Interest expended	1071	1175	3685	4215	2157	2333	340	341
a) Interest on deposits	912	992	3486	4037	1759	1930	268	277
b) Interest on RBI/inter-bank borrowings	159	183	199	179	67	54	2	3
c) Others	-	-	-	-	331	349	69	61
IV. Operating expenses	413	637	1329	1693	789	908	126	154
a) Payments to and provisions for employees	360	579	1197	1560	676	770	110	137
b) Rent, taxes and lighting	12	13	20	23	12	13	3	3
c) Printing and stationery	5	5	20	13	11	12	1	1
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	5	4	11	13	17	18	2	2
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	5	3	3	3	1	1
h) Law charges	1	-	1	2	2	2	-	-
i) Postage, telegrams, telephones, etc.	5	6	9	11	8	10	1	2
j) Repairs and maintenance	4	5	3	3	1	1	-	-
k) Insurance	7	9	27	30	-	-	2	2
l) Other expenditure	11	13	36	35	60	79	5	5
V. Provisions and contingencies	74	-	112	1142	1	-	6	-2
Total expenses*	1485	1812	5015	5908	2947	3241	465	495
VI. Profit /loss	218	261	1018	1173	1188	1258	11	29

Total (III+IV+V+VI)	1777	2073	6144	8223	4135	4499	482	522

(Amount in Rs. lakh)

	For the year ended March 31

	Bilaspur Raipur		Bolangir Anchalik		Buldhana		Bundelkhand
	Kshetriya Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya
							Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)

Income
I. Interest Earned	2591	3026	1913	2064	621	765	2362	2622
a) Interest/discount on advances/bills	555	702	860	960	454	592	589	640
b) Income on Investments	170	144	118	173	29	39	67	52
c) Interest on balances with	1866	2180	935	931	138	134	1706	1930
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	55	227	371	630	37	48	45	47
a) Commission, exchange and brokerage	44	78	45	51	31	33	42	47
b) Other miscellaneous income	11	148	326	579	6	15	3	-

Total (I+II)	2646	3253	2284	2694	658	813	2407	2669

Expenditure & Provisions
III. Interest expended	1833	2107	1858	2197	328	403	1530	1676
a) Interest on deposits	1726	2000	1627	1926	261	325	1469	1618
b) Interest on RBI/inter-bank borrowings	107	107	231	271	-	-	61	58
c) Others	-	-	-	-	66	77	-	-
IV. Operating expenses	903	1251	1135	1126	137	193	626	807
a) Payments to and provisions for employees	823	1114	1044	1018	103	150	577	815
b) Rent, taxes and lighting	18	22	27	30	8	8	10	11
c) Printing and stationery	9	13	10	10	3	3	6	6
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	2	4	5	5	5	7	2	2
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	3	3	3	1	-	2	2
h) Law charges	1	-	-	1	-	-	1	-1
i) Postage, telegrams, telephones, etc.	5	7	5	8	2	2	1	-
j) Repairs and maintenance	1	1	2	3	1	1	1	1
k) Insurance	5	14	10	13	2	2	9	10
l) Other expenditure	37	73	29	36	12	18	17	-38
V. Provisions and contingencies	141	109	-	-	70	20	-	7
Total expenses*	2735	3358	2993	3323	464	595	2156	2483
VI. Profit /loss	-231	-214	-708	-629	125	197	250	179

Total (III+IV+V+VI)	2646	3253	2284	2694	658	813	2407	2669

(Amount in Rs. lakh)

	For the year ended March 31

	Bundi-Chittor Kshetriya		Cachar		Cauvery		Chaitanya
	Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

	2001	2002	2001	2002	2001	2002	2001	2002

Items	(65)	(66)	(67)	(68)	(69)	(70)	(71)	(72)

Income
I. Interest Earned	1588	1780	1105	1266	2853	3396	1859	2361
a) Interest/discount on advances/bills	822	936	284	324	1807	2201	1163	1380
b) Income on Investments	187	218	435	425	439	539	226	456
c) Interest on balances with	579	627	110	101	606	656	470	524
RBI and other inter-bank funds
d) Others	-	-	276	416	-	656	-	-
II. Other income	48	69	53	68	299	500	113	113
a) Commission, exchange and brokerage	11	15	28	36	168	202	48	48
b) Other miscellaneous income	36	54	25	32	131	298	65	66

Total (I+II)	1635	1849	1159	1334	3151	3896	1972	2474

Expenditure & Provisions
III. Interest expended	1140	1226	683	820	2042	2198	1272	1571
a) Interest on deposits	939	1031	656	791	1724	1923	1064	1300
b) Interest on RBI/inter-bank borrowings	10	176	26	29	317	275	65	88
c) Others	191	20	1	-	-	-	143	183
IV. Operating expenses	392	516	284	334	817	1033	461	530
a) Payments to and provisions for employees	349	468	219	281	729	926	383	451
b) Rent, taxes and lighting	10	11	10	10	19	23	14	15
c) Printing and stationery	4	5	5	6	11	13	8	11
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	2	3	2	2	6	6	7	8
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	1	1	3	3	1	2
h) Law charges	-	-	-	-	-	1	-	1
i) Postage, telegrams, telephones, etc.	3	4	2	3	10	14	5	5
j) Repairs and maintenance	1	1	1	1	2	2	3	3
k) Insurance	6	7	-	-	1	-	8	11
l) Other expenditure	15	16	43	30	35	45	31	23
V. Provisions and contingencies	26	37	-	-	95	-	73	72
Total expenses*	1532	1742	967	1154	2858	3231	1733	2101
VI. Profit /loss	77	69	192	180	197	666	166	301

Total (III+IV+V+VI)	1635	1849	1159	1334	3151	3896	1972	2474

(Amount in Rs. lakh)

	For the year ended March 31

	Chambal Kshetriya		Champaran		Chandrapur Gadchiroli		Chhatrasal
	Gramin Bank		Kshetriya Gramin Bank		Gramin Bank		Gramin Bank

	2001	2002	2001	2002	2001	2002	2001	2002

Items	(73)	(74)	(75)	(76)	(77)	(78)	(79)	(80)

Income
I. Interest Earned	1346	1607	1833	2370	1239	1377	1628	1956
a) Interest/discount on advances/bills	617	691	710	937	471	616	425	733
b) Income on Investments	98	140	18	8	317	349	403	470
c) Interest on balances with	631	776	1105	1425	452	412	800	753
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	53	49	174	393	47	55	68	96
a) Commission, exchange and brokerage	34	34	12	65	16	17	67	96
b) Other miscellaneous income	19	16	162	327	31	38	1	-

Total (I+II)	1399	1656	2007	2763	1287	1432	1696	2052

Expenditure & Provisions
III. Interest expended	990	1146	1590	1817	816	873	938	1051
a) Interest on deposits	886	1037	1486	1660	775	828	867	988
b) Interest on RBI/inter-bank borrowings	104	108	-	-	10	7	71	62
c) Others	-	-	103	158	31	38	-	-
IV. Operating expenses	251	318	900	909	398	467	483	688
a) Payments to and provisions for employees	203	265	849	845	300	376	433	618
b) Rent, taxes and lighting	11	13	14	17	9	11	10	12
c) Printing and stationery	3	4	5	6	4	4	7	9
d) Advertisement and publicity	-	-	-	-	-	-	-	1
e) Depreciation on Bank's property	6	11	2	3	2	5	5	6
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	2	3	1	2	2	2
h) Law charges	-	-	-	-	1	1	1	-
i) Postage, telegrams, telephones, etc.	2	2	2	2	1	2	5	7
j) Repairs and maintenance	1	1	1	2	1	1	1	1
k) Insurance	8	8	11	14	1	1	8	11
l) Other expenditure	16	14	13	17	78	64	11	20
V. Provisions and contingencies	55	51	14	20	-	-10	18	32
Total expenses*	1240	1464	2490	2726	1213	1340	1421	1738
VI. Profit /loss	104	141	-497	17	73	102	257	282

Total (III+IV+V+VI)	1399	1656	2007	2763	1287	1432	1696	2052

(Amount in Rs. lakh)

	For the year ended March 31

	Chhindwara Seoni		Chikmagalur Kodagu		Chitradurga		Cuttack
	Kshetriya Gramin Bank		Gramin Bank		Gramin Bank		Gramya Bank

	2001	2002	2001	2002	2001	2002	2001	2002

Items	(81)	(82)	(83)	(84)	(85)	(86)	(87)	(88)

Income
I. Interest Earned	1206	1382	1338	1401	2677	2939	3012	3599
a) Interest/discount on advances/bills	503	592	895	870	1734	1953	973	1337
b) Income on Investments	70	765	123	134	428	565	497	826
c) Interest on balances with	633	24	320	397	514	380	1543	1437
RBI and other inter-bank funds
d) Others	-	-	-	-	1	40	-	-
II. Other income	47	111	61	46	129	352	438	575
a) Commission, exchange and brokerage	38	44	13	13	27	32	45	34
b) Other miscellaneous income	9	67	48	33	102	319	393	541

Total (I+II)	1253	1493	1399	1446	2807	3290	3450	4174

Expenditure & Provisions
III. Interest expended	793	881	794	843	1629	1798	2587	2935
a) Interest on deposits	771	848	621	684	1253	1448	2435	2706
b) Interest on RBI/inter-bank borrowings	22	33	172	158	-	351	152	229
c) Others	-	-	-	-	376	-	-	-
IV. Operating expenses	371	488	336	390	686	941	1073	2238
a) Payments to and provisions for employees	325	420	302	347	600	833	927	996
b) Rent, taxes and lighting	11	12	7	7	16	17	27	30
c) Printing and stationery	6	7	5	9	8	8	11	12
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	4	7	5	6	7	6	3	4
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	2	2	3	3	4	4
h) Law charges	-	-	1	-	2	2	-	-
i) Postage, telegrams, telephones, etc.	3	4	5	5	10	11	10	12
j) Repairs and maintenance	-	-	3	4	4	3	1	1
k) Insurance	5	13	4	4	8	10	11	26
l) Other expenditure	15	23	4	5	29	48	77	1153
V. Provisions and contingencies	61	41	92	79	108	7	-	-
Total expenses*	1163	1369	1130	1233	2315	2739	3660	5173
VI. Profit /loss	29	83	177	134	383	544	-210	-999

Total (III+IV+V+VI)	1253	1493	1399	1446	2807	3290	3450	4174

(Amount in Rs. lakh)

	For the year ended March 31

	Damoh Panna Sagar		Devipatan		Dewas Shajapur		Dhenkanal
	Kshetriya Gramin Bank		Kshetriya Gramin Bank		Kshetriya Gramin Bank		Gramin Bank

	2001	2002	2001	2002	2001	2002	2001	2002

Items	(89)	(90)	(91)	(92)	(93)	(94)	(95)	(96)


Income
I. Interest Earned	1795	1946	2912	3040	1630	1738	2289	2737
a) Interest/discount on advances/bills	349	420	584	704	716	783	1183	1505
b) Income on Investments	-	-	989	1014	271	254	929	616
c) Interest on balances with	-	-	1338	1322	642	701	177	616
RBI and other inter-bank funds
d) Others	1446	1525	-	-	-	-	-	-
II. Other income	50	203	65	148	49	164	52	77
a) Commission, exchange and brokerage	32	60	20	38	8	13	26	31
b) Other miscellaneous income	18	143	45	110	41	152	26	46

Total (I+II)	1845	2149	2977	3187	1678	1902	2341	2814

Expenditure & Provisions
III. Interest expended	1115	1256	1401	1534	1040	1087	1538	1889
a) Interest on deposits	1062	1201	1319	1449	950	1001	1240	1523
b) Interest on RBI/inter-bank borrowings	54	55	82	85	89	84	298	365
c) Others	-	-	-	1	1	1	-	-
IV. Operating expenses	467	624	817	781	429	479	327	424
a) Payments to and provisions for employees	427	544	740	689	381	427	277	356
b) Rent, taxes and lighting	11	13	19	24	11	12	6	12
c) Printing and stationery	4	5	7	9	4	4	5	6
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	2	3	9	15	3	4	9	8
f) Directors' fees, allowances and expenses	-	-	-	4	-	-	-	-
g) Auditors' fees and expenses	1	1	2	2	2	1	1	2
h) Law charges	-	-	-	-	-	-	-	-
i) Postage, telegrams, telephones, etc.	2	3	4	5	2	2	4	6
j) Repairs and maintenance	1	1	1	2	1	1	-	1
k) Insurance	8	9	14	15	8	9	1	3
l) Other expenditure	11	43	22	17	16	19	23	31
V. Provisions and contingencies	-	-	61	118	49	75	195	201
Total expenses*	1582	1880	2218	2315	1469	1565	1865	2312
VI. Profit /loss	263	269	698	755	160	262	281	301

Total (III+IV+V+VI)	1845	2149	2977	3187	1678	1902	2341	2814

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