Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 4 of 12)

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 4 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Dungarpur-Banswara Kshetriya		Durg Rajnandgaon		Ellaquai Dehati		Etah
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(97)	(98)	(99)	(100)	(101)	(102)	(103)	(104)
Income

I.	Interest Earned		584	687	2415	2603	852	767	1620	1806
	a)	Interest/discount on advances/bills	240	281	529	575	509	146	690	788

	b)	Income on Investments	77	105	1075	1315	-	-	225	240

	c)	Interest on balances with	180	274	811	712	343	621	705	777
		RBI and other inter-bank funds

	d)	Others	87	26	-	-	-	-	-	-

II.	Other income		45	48	58	107	54	14	75	76
	a)	Commission, exchange and brokerage	10	14	21	32	12	14	57	63

	b)	Other miscellaneous income	35	34	37	75	42	-	17	13
Total (I+II)			629	735	2473	2710	906	781	1695	1882
Expenditure & Provisions
III.	Interest expended		412	485	1536	1721	685	820	974	1149
	a)	Interest on deposits	371	433	1415	1610	669	813	843	998

	b)	Interest on RBI/inter-bank borrowings	41	-	121	111	15	-	131	150

	c)	Others	-	52	-	-	-	8	-	-

IV.	Operating expenses		211	231	573	636	580	607	368	409
	a)	Payments to and provisions for employees	175	191	496	545	536	556	330	364

	b)	Rent, taxes and lighting	6	7	16	17	11	12	8	12

	c)	Printing and stationery	3	3	11	11	2	2	4	3

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

	e)	Depreciation on Bank's property	3	3	5	6	2	2	2	3

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

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

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

	i)	Postage, telegrams, telephones, etc.	4	3	6	7	1	1	6	7

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

	k)	Insurance	3	3	16	24	9	10	1	1

	l)	Other expenditure	16	20	16	19	17	23	13	16

V.	Provisions and contingencies		3	12	173	131	-	-147	-	71
	Total expenses*		624	716	2109	2357	1265	-	1342	1558
VI.	Profit (loss)		2	6	191	221	-359	-500	353	252
	Total (III+IV+V+VI)		629	735	2473	2710	906	781	1695	1882
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Etawah Kshetriya		Faizabad Kshetriya		Faridkot Bhatinda Kshetriya		Farrukhabad
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(105)	(106)	(107)	(108)	(109)	(110)	(111)	(112)
Income

I.	Interest Earned		903	1145	1832	2081	609	713	2736	2871
	a)	Interest/discount on advances/bills	320	358	338	423	252	291	570	627

	b)	Income on Investments	92	95	310	349	154	172	572	429

	c)	Interest on balances with	491	691	1184	-	204	250	22	19
		RBI and other inter-bank funds

	d)	Others	-	-	-	1309	-	-	1572	1796

II.	Other income		25	41	30	49	23	32	31	28
	a)	Commission, exchange and brokerage	9	12	14	19	5	6	9	10

	b)	Other miscellaneous income	16	29	16	30	17	27	21	17
Total (I+II)			927	1185	1862	2129	632	746	2766	2899
Expenditure & Provisions
III.	Interest expended		559	632	1029	1232	332	405	1415	1614
	a)	Interest on deposits	502	580	959	1144	286	349	1294	1490

	b)	Interest on RBI/inter-bank borrowings	57	52	-	-	4	3	121	123

	c)	Others	-	-	69	88	42	53	-	-

IV.	Operating expenses		274	287	430	468	134	146	649	640
	a)	Payments to and provisions for employees	245	257	343	373	101	105	552	583

	b)	Rent, taxes and lighting	5	5	7	9	7	8	9	9

	c)	Printing and stationery	2	2	7	6	2	3	5	7

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

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

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

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

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

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

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

	k)	Insurance	5	5	9	8	2	2	11	12

	l)	Other expenditure	12	11	58	64	18	23	67	23

V.	Provisions and contingencies		-	56	23	-	8	26	90	24
	Total expenses*		833	919	1458	1700	466	551	2064	2254
VI.	Profit (loss)		94	210	381	429	157	170	612	621
	Total (III+IV+V+VI)		927	1185	1862	2129	632	746	2766	2899
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Fatehpur Kshetriya		Ganga Yamuna		Gaur		Giridih Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(113)	(114)	(115)	(116)	(117)	(118)	(119)	(120)
Income

I.	Interest Earned		1061	1259	183	191	2412	3081	531	655
	a)	Interest/discount on advances/bills	239	280	183	191	838	1193	127	161

	b)	Income on Investments	189	227	-	-	924	1240	78	163

	c)	Interest on balances with	634	752	-	-	650	647	-	330
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	326	-

II.	Other income		64	68	534	672	101	284	7	8
	a)	Commission, exchange and brokerage	6	6	10	10	15	22	4	4

	b)	Other miscellaneous income	59	61	523	562	86	262	4	5
Total (I+II)			1126	1327	717	863	2513	3365	538	663
Expenditure & Provisions
III.	Interest expended		633	764	491	610	2339	2804	346	434
	a)	Interest on deposits	570	693	454	568	2161	2607	327	404

	b)	Interest on RBI/inter-bank borrowings	63	71	-	41	-	197	20	30

	c)	Others	-	-	38	-	178	-	-	-

IV.	Operating expenses		397	420	169	185	1738	1393	166	138
	a)	Payments to and provisions for employees	326	348	152	166	1090	1139	129	121

	b)	Rent, taxes and lighting	6	6	4	5	27	31	3	3

	c)	Printing and stationery	4	4	2	3	13	14	2	2

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

	e)	Depreciation on Bank's property	3	3	2	2	3	8	2	2

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

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

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

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

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

	k)	Insurance	5	1	1	2	11	20	3	3

	l)	Other expenditure	48	50	6	7	588	174	28	6

V.	Provisions and contingencies		69	72	-	-	-	-	-	28
	Total expenses*		1030	1185	660	794	4077	4197	513	571
VI.	Profit (loss)		27	71	57	69	-1564	-832	25	64
	Total (III+IV+V+VI)		1126	1327	717	863	2513	3365	538	663

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Godavari		Golconda		Gomti		Gopalganj Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(121)	(122)	(123)	(124)	(125)	(126)	(127)	(128)
Income

I.	Interest Earned		836	1005	1006	1352	3030	3440	1565	1832
	a)	Interest/discount on advances/bills	552	607	228	319	805	753	175	184

	b)	Income on Investments	119	172	695	131	1395	1443	127	1631

	c)	Interest on balances with	165	225	82	280	830	1244	1263	17
		RBI and other inter-bank funds

	d)	Others	-	-	-	621	-	-	-	-

II.	Other income		279	28	60	28	222	34	14	27
	a)	Commission, exchange and brokerage	5	10	21	28	20	21	5	6

	b)	Other miscellaneous income	274	19	39	-	202	13	9	21
Total (I+II)			1115	1033	1065	1380	3253	3474	1579	1859
Expenditure & Provisions
III.	Interest expended		535	676	862	1026	1803	2219	873	1091
	a)	Interest on deposits	424	555	266	325	1655	2054	853	1065

	b)	Interest on RBI/inter-bank borrowings	111	120	513	677	148	165	21	25

	c)	Others	-	-	83	24	-	-	-	-

IV.	Operating expenses		156	175	120	127	595	656	277	313
	a)	Payments to and provisions for employees	123	136	99	104	491	528	258	268

	b)	Rent, taxes and lighting	8	10	8	7	10	12	4	5

	c)	Printing and stationery	5	4	4	3	5	12	3	2

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

	e)	Depreciation on Bank's property	4	5	2	3	5	7	2	3

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

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

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

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

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

	k)	Insurance	1	4	1	3	1	-	6	25

	l)	Other expenditure	7	8	3	4	75	85	2	7

V.	Provisions and contingencies		238	23	11	-	-	324	-	6
	Total expenses*		691	850	982	1153	2399	2875	1150	1404
VI.	Profit (loss)		186	159	72	227	854	275	429	449
	Total (III+IV+V+VI)		1115	1033	1065	1380	3253	3474	1579	1859