Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 5 of 12)

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 5 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Gorakhpur Kshetriya		Gurdaspur Amritsar		Gurgaon		Gwalior Datia Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(129)	(130)	(131)	(132)	(133)	(134)	(135)	(136)
Income

I.	Interest Earned		9371	10938	1562	1945	5626	6215	666	908
	a)	Interest/discount on advances/bills	1351	1667	456	487	1720	2113	155	210

	b)	Income on Investments	7968	9184	657	870	3906	4102	-	57

	c)	Interest on balances with	52	87	449	588	-	-	358	394
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	153	247

II.	Other income		109	134	20	94	76	175	9	16
	a)	Commission, exchange and brokerage	103	128	17	23	17	22	5	5

	b)	Other miscellaneous income	6	6	3	71	59	153	4	11
Total (I+II)			9480	11072	1582	2038	5702	6390	675	924
Expenditure & Provisions
III.	Interest expended		5687	6328	848	1065	3197	3576	512	675
	a)	Interest on deposits	5331	5843	771	970	2788	3157	323	387

	b)	Interest on RBI/inter-bank borrowings	356	484	71	90	-	-	37	40

	c)	Others	-	-	6	4	409	419	153	247

IV.	Operating expenses		1727	1792	367	396	1142	1214	173	189
	a)	Payments to and provisions for employees	1453	1496	322	340	1011	1068	124	123

	b)	Rent, taxes and lighting	44	59	7	10	32	35	4	5

	c)	Printing and stationery	16	16	5	6	12	12	3	3

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

	e)	Depreciation on Bank's property	7	8	5	8	7	13	1	1

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

	g)	Auditors' fees and expenses	3	5	1	2	2	3	-	-

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

	i)	Postage, telegrams, telephones, etc.	9	11	3	3	5	8	1	1

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

	k)	Insurance	57	79	6	8	22	24	1	1

	l)	Other expenditure	133	112	18	19	45	47	40	54

V.	Provisions and contingencies		35	283	81	86	7	92	-	-
	Total expenses*		7414	8119	1215	1461	4339	4790	686	815
VI.	Profit (loss)		2031	2670	286	491	1356	1507	-10	61
	Total (III+IV+V+VI)		9480	11072	1582	2038	5702	6390	675	924
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Hadoti Kshetriya		Haryana Kshetriya		Hazaribagh Kshetriya		Himachal
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(137)	(138)	(139)	(140)	(141)	(142)	(143)	(144)
Income

I.	Interest Earned		1458	1932	2284	2653	802	946	3293	4103
	a)	Interest/discount on advances/bills	50	904	1191	1318	122	174	664	988

	b)	Income on Investments	67	95	461	502	329	516	1895	2291

	c)	Interest on balances with	741	934	-	-	351	255	733	822
		RBI and other inter-bank funds

	d)	Others	-	-	633	832	-	-	2	2

II.	Other income		60	123	57	68	10	6	33	51
	a)	Commission, exchange and brokerage	27	39	40	40	8	3	15	21

	b)	Other miscellaneous income	32	84	16	29	3	3	18	30
Total (I+II)			1518	2055	2340	2721	812	952	3327	4154
Expenditure & Provisions
III.	Interest expended		1141	1356	1645	1931	445	543	2312	2890
	a)	Interest on deposits	998	1156	1448	1694	411	499	2204	2746

	b)	Interest on RBI/inter-bank borrowings	143	200	-	-	34	44	1	1

	c)	Others	-	-	197	237	-	-	107	143

IV.	Operating expenses		468	502	585	640	141	141	745	860
	a)	Payments to and provisions for employees	405	432	531	578	118	119	670	766

	b)	Rent, taxes and lighting	14	15	10	11	4	4	15	21

	c)	Printing and stationery	5	6	3	8	3	2	8	9

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

	e)	Depreciation on Bank's property	4	6	4	4	2	2	6	9

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

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

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

	i)	Postage, telegrams, telephones, etc.	4	4	2	3	1	1	8	10

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

	k)	Insurance	11	10	11	15	-	-	14	17

	l)	Other expenditure	23	25	21	19	12	12	22	22

V.	Provisions and contingencies		1	-	-	-	60	6	4	-
	Total expenses*		1609	1858	2230	2571	586	684	3057	3750
VI.	Profit (loss)		-91	197	111	150	166	263	266	404
	Total (III+IV+V+VI)		1518	2055	2340	2721	812	952	3327	4154
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Hindon		Hissar-Sirsa Kshetriya		Howrah		Indore Ujjain
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(145)	(146)	(147)	(148)	(149)	(150)	(151)	(152)
Income

I.	Interest Earned		408	496	1093	1312	2019	2467	650	761
	a)	Interest/discount on advances/bills	90	123	484	630	330	411	286	356

	b)	Income on Investments	318	365	242	245	1144	1410	355	160

	c)	Interest on balances with	-	-	367	437	545	646	9	246
		RBI and other inter-bank funds

	d)	Others	-	8	-	-	-	-	-	-

II.	Other income		7	31	23	32	81	115	33	96
	a)	Commission, exchange and brokerage	5	5	6	7	61	95	5	6

	b)	Other miscellaneous income	2	27	17	25	19	20	28	91
Total (I+II)			415	528	1115	1343	2099	2582	683	858
Expenditure & Provisions
III.	Interest expended		221	258	648	789	1472	1926	423	533
	a)	Interest on deposits	205	230	516	627	1422	1851	368	449

	b)	Interest on RBI/inter-bank borrowings	16	28	5	4	50	74	55	84

	c)	Others	-	-	128	157	-	-	-	-

IV.	Operating expenses		126	106	249	290	419	443	223	208
	a)	Payments to and provisions for employees	107	86	212	249	364	378	194	175

	b)	Rent, taxes and lighting	3	3	8	9	16	19	9	9

	c)	Printing and stationery	1	1	4	3	6	8	4	4

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

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

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

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

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

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

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

	k)	Insurance	2	2	3	7	11	10	4	6

	l)	Other expenditure	8	7	15	14	12	16	9	10

V.	Provisions and contingencies		16	54	-	6	99	184	4	7
	Total expenses*		347	364	897	1079	1891	2368	646	741
VI.	Profit (loss)		52	110	219	258	109	30	33	110
	Total (III+IV+V+VI)		415	528	1115	1343	2099	2582	683	858

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Jaipur Nagaur Anchalik		Jammu Rural		Jamnagar		Jamuna
			Gramin Bank		Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(153)	(154)	(155)	(156)	(157)	(158)	(159)	(160)
Income

I.	Interest Earned		3834	4467	3223	3768	1376	1801	1670	1796
	a)	Interest/discount on advances/bills	686	1085	499	491	548	716	682	670

	b)	Income on Investments	1828	2150	2	3112	303	508	364	370

	c)	Interest on balances with	1319	1232	2721	165	525	577	624	756
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		81	166	68	13	32	35	66	58
	a)	Commission, exchange and brokerage	26	34	8	9	32	35	21	21

	b)	Other miscellaneous income	55	133	61	4	-	-	45	37
Total (I+II)			3915	4634	3291	3781	1409	1836	1735	1855
Expenditure & Provisions
III.	Interest expended		2431	2873	1992	2505	875	1198	1031	1218
	a)	Interest on deposits	2306	2692	1889	2373	748	1016	926	1086

	b)	Interest on RBI/inter-bank borrowings	125	181	-	-	127	180	17	21

	c)	Others	-	-	103	132	-	3	87	112

IV.	Operating expenses		859	902	585	604	326	337	273	295
	a)	Payments to and provisions for employees	771	804	522	527	295	300	235	253

	b)	Rent, taxes and lighting	13	19	11	14	7	10	14	12

	c)	Printing and stationery	20	12	9	8	7	6	3	1

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

	e)	Depreciation on Bank's property	3	6	7	6	1	3	3	4

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

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

	h)	Law charges	1	1	2	3	-	-	-	-

	i)	Postage, telegrams, telephones, etc.	8	11	4	4	2	2	3	4

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

	k)	Insurance	1	4	12	14	5	5	-	-

	l)	Other expenditure	40	42	17	25	7	10	13	18

V.	Provisions and contingencies		173	30	-	140	-	-	-	162
	Total expenses*		3290	3776	2577	3109	1201	1535	1304	1513
VI.	Profit (loss)		452	828	714	532	208	301	432	179
	Total (III+IV+V+VI)		3915	4634	3291	3781	1409	1836	1735	1855