Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 6 of 12)

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 6 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Jhbua Dhar Kshetriya		Junagadh Amreli		Ka Bank		Kakathiya
			Gramin Bank		Gramin Bank		Nongkyndong		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(161)	(162)	(163)	(164)	(165)	(166)	(167)	(168)
Income

I.	Interest Earned		1146	1341	769	973	1191	1344	779	1174
	a)	Interest/discount on advances/bills	637	787	283	335	154	192	447	684

	b)	Income on Investments	89	92	248	343	604	524	12	31

	c)	Interest on balances with	419	462	239	295	433	628	320	459
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		264	74	24	24	9	10	93	137
	a)	Commission, exchange and brokerage	9	12	13	13	8	7	17	30

	b)	Other miscellaneous income	255	62	11	11	1	4	76	107
Total (I+II)			1410	1415	793	997	1200	1354	872	1311
Expenditure & Provisions
III.	Interest expended		896	1042	473	607	598	713	580	871
	a)	Interest on deposits	776	884	391	507	537	649	454	745

	b)	Interest on RBI/inter-bank borrowings	120	159	81	76	61	64	126	127

	c)	Others	-	-	1	24	-	-	-	-

IV.	Operating expenses		513	539	173	192	224	244	267	323
	a)	Payments to and provisions for employees	471	491	147	160	183	198	214	235

	b)	Rent, taxes and lighting	11	13	5	5	12	13	11	13

	c)	Printing and stationery	4	4	3	4	5	5	6	9

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

	e)	Depreciation on Bank's property	2	2	1	1	2	2	3	9

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

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

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

	i)	Postage, telegrams, telephones, etc.	2	2	2	2	-	1	2	4

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

	k)	Insurance	6	7	3	4	6	4	3	10

	l)	Other expenditure	14	15	12	16	16	20	24	41

V.	Provisions and contingencies		-	14	-	-	85	52	-	-
	Total expenses*		1408	1581	646	799	823	957	846	1194
VI.	Profit (loss)		1	-180	147	198	292	344	26	117
	Total (III+IV+V+VI)		1410	1415	793	997	1200	1354	872	1311
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Kalahandi Anchalika		Kalpatharu		Kamraz		Kanakadurga
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(169)	(170)	(171)	(172)	(173)	(174)	(175)	(176)
Income

I.	Interest Earned		875	1103	1544	1746	1129	1319	783	888
	a)	Interest/discount on advances/bills	386	535	718	820	256	246	473	509

	b)	Income on Investments	138	231	626	725	104	73	306	359

	c)	Interest on balances with	352	337	26	18	769	1000	4	19
		RBI and other inter-bank funds

	d)	Others	-	-	174	183	-	-	-	-

II.	Other income		20	25	96	186	31	51	20	35
	a)	Commission, exchange and brokerage	-	-	56	117	7	8	9	8

	b)	Other miscellaneous income	20	25	40	68	24	42	11	28
Total (I+II)			896	1128	1640	1932	1160	1370	803	923
Expenditure & Provisions
III.	Interest expended		481	620	928	1138	802	965	407	521
	a)	Interest on deposits	383	472	749	952	762	926	322	401

	b)	Interest on RBI/inter-bank borrowings	98	148	179	185	40	39	84	120

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		352	449	516	529	609	630	157	173
	a)	Payments to and provisions for employees	321	447	455	453	500	561	124	138

	b)	Rent, taxes and lighting	9	11	14	17	11	13	7	8

	c)	Printing and stationery	5	5	7	7	5	5	4	4

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

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

	f)	Directors' fees, allowances and expenses	1	-	-	-	-	-	-	-

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

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

	i)	Postage, telegrams, telephones, etc.	4	4	5	7	1	1	4	5

	j)	Repairs and maintenance	1	1	4	5	1	1	1	2

	k)	Insurance	3	6	4	6	7	8	3	2

	l)	Other expenditure	51	18	23	26	79	36	5	8

V.	Provisions and contingencies		51	32	13	4	53	-	18	-
	Total expenses*		834	1068	1444	1667	1411	1595	564	694
VI.	Profit (loss)		11	28	182	261	-304	-225	221	228
	Total (III+IV+V+VI)		896	1128	1640	1932	1160	1370	803	923
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Kanpur Kshetriya		Kapurthala Firozpur Kshetriya		Kashi		Kisan
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(177)	(178)	(179)	(180)	(181)	(182)	(183)	(184)
Income

I.	Interest Earned		2861	3475	829	983	2230	2700	922	1082
	a)	Interest/discount on advances/bills	614	771	265	282	487	605	278	321

	b)	Income on Investments	1228	2600	260	344	811	1172	156	148

	c)	Interest on balances with	1019	104	304	357	931	923	489	614
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		90	309	48	63	65	78	34	34
	a)	Commission, exchange and brokerage	44	58	4	4	40	41	19	19

	b)	Other miscellaneous income	45	252	44	59	24	37	15	15
Total (I+II)			2951	3784	877	1046	2295	2778	956	1116
Expenditure & Provisions
III.	Interest expended		1934	2283	500	584	1479	1855	493	557
	a)	Interest on deposits	1748	2092	452	532	1425	1792	439	496

	b)	Interest on RBI/inter-bank borrowings	-	191	48	53	1	1	54	61

	c)	Others	187	-	-	-	53	62	-	-

IV.	Operating expenses		700	773	255	273	543	613	376	371
	a)	Payments to and provisions for employees	621	675	222	239	466	511	332	331

	b)	Rent, taxes and lighting	17	21	4	5	12	16	8	8

	c)	Printing and stationery	10	9	2	4	5	7	3	5

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

	e)	Depreciation on Bank's property	8	9	5	4	4	8	3	4

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

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

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

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

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

	k)	Insurance	12	15	1	1	12	14	1	-

	l)	Other expenditure	27	37	15	14	36	48	23	17

V.	Provisions and contingencies		33	158	20	48	37	47	65	112
	Total expenses*		2634	3056	755	857	2022	2468	869	928
VI.	Profit (loss)		284	569	102	141	236	263	22	76
	Total (III+IV+V+VI)		2951	3784	877	1046	2295	2778	956	1116
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Kolar		Koraput Panchabati		Kosi Kshetriya		Krishna
			Gramin Bank		Gramin Bank		Gramin Bank		Grameen Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(185)	(186)	(187)	(188)	(189)	(190)	(191)	(192)
Income

I.	Interest Earned		1565	1724	1774	2041	1626	1962	3212	3688
	a)	Interest/discount on advances/bills	834	931	755	875	414	474	2058	2335

	b)	Income on Investments	726	787	1009	1166	27	32	527	813

	c)	Interest on balances with	5	5	-	-	1185	-	627	541
		RBI and other inter-bank funds

	d)	Others	-	-	10	-	-	1457	-	-

II.	Other income		139	114	40	37	47	208	87	137
	a)	Commission, exchange and brokerage	24	65	-	-	30	55	87	95

	b)	Other miscellaneous income	115	50	40	37	17	154	-	42
Total (I+II)			1705	1838	1814	2078	1673	2170	3300	3825
Expenditure & Provisions
III.	Interest expended		863	994	1055	1289	1310	1537	1898	2238
	a)	Interest on deposits	674	823	839	1040	1260	1481	1391	1669

	b)	Interest on RBI/inter-bank borrowings	165	170	216	249	50	56	507	568

	c)	Others	23	-	-	-	-	-	-	-

IV.	Operating expenses		422	472	658	653	951	1067	688	748
	a)	Payments to and provisions for employees	371	411	611	607	883	942	575	647

	b)	Rent, taxes and lighting	14	16	11	12	15	16	16	18

	c)	Printing and stationery	6	7	8	10	11	10	12	11

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

	e)	Depreciation on Bank's property	4	6	4	5	4	6	5	5

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

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

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

	i)	Postage, telegrams, telephones, etc.	6	8	6	5	3	3	6	6

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

	k)	Insurance	5	6	6	4	11	11	9	11

	l)	Other expenditure	14	14	10	8	20	75	61	46

V.	Provisions and contingencies		-	61	58	34	19	-	136	226
	Total expenses*		1286	1466	1713	1943	2261	2604	2586	2985
VI.	Profit (loss)		419	311	43	102	-606	-434	578	614
	Total (III+IV+V+VI)		1705	1838	1814	2078	1673	2170	3300	3825
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Kshetriya		Kutch		K.Kisan		Lakhimi
			Gramin Bank		Gramin Bank		Gramin Bank		Gaonlia Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(193)	(194)	(195)	(196)	(197)	(198)	(199)	(200)
Income

I.	Interest Earned		1705	2035	1225	1442	1186	1007	1347	1738
	a)	Interest/discount on advances/bills	664	800	357	446	398	486	253	295

	b)	Income on Investments	81	112	656	809	83	99	948	1234

	c)	Interest on balances with	961	1123	212	187	705	423	-	-
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	146	209

II.	Other income		28	42	47	58	19	22	207	245
	a)	Commission, exchange and brokerage	27	33	12	21	16	10	28	38

	b)	Other miscellaneous income	2	9	34	37	3	12	180	207
Total (I+II)			1733	2077	1272	1500	1205	1029	1554	1983
Expenditure & Provisions
III.	Interest expended		1032	1257	795	939	1108	808	855	1081
	a)	Interest on deposits	924	1097	717	838	590	713	794	1026

	b)	Interest on RBI/inter-bank borrowings	5	16	78	101	70	95	61	55
						nbsp;
	c)	Others	103	143	-	-	448	-	-	-

IV.	Operating expenses		541	583	257	285	381	401	598	641
	a)	Payments to and provisions for employees	486	519	234	251	337	360	534	568

	b)	Rent, taxes and lighting	13	16	5	7	8	10	15	15

	c)	Printing and stationery	5	6	2	4	4	3	7	7

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

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

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	2	-	-

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

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

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

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

	k)	Insurance	7	8	4	5	12	6	1	1

	l)	Other expenditure	20	23	3	8	14	14	32	42

V.	Provisions and contingencies		136	85	-	-	44	-9	1	117
	Total expenses*		1573	1841	1053	1225	1490	858	1453	1722
VI.	Profit (loss)		24	151	219	275	-325	-171	101	144
	Total (III+IV+V+VI)		1733	2077	1272	1500	1205	1029	1554	1983