Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 7 of 12)

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 7 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Langpi Dehangi		Madhubani Kshetriya		Magadh		Mahakaushal
			Rural Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(201)	(202)	(203)	(204)	(205)	(206)	(207)	(208)
Income

I.	Interest Earned		324	486	611	725	3753	4536	484	528
	a)	Interest/discount on advances/bills	56	56	240	257	464	602	47	71

	b)	Income on Investments	72	423	-	-	-	3934	3	9

	c)	Interest on balances with	-	-	-	469	3280	-	140	143
		RBI and other inter-bank funds

	d)	Others	196	7	371	-	9	-	294	304

II.	Other income		28	26	10	60	46	603	20	49
	a)	Commission, exchange and brokerage	17	15	5	11	6	8	7	16

	b)	Other miscellaneous income	11	11	5	50	40	596	13	34
Total (I+II)			352	513	621	785	3799	5139	505	577
Expenditure & Provisions
III.	Interest expended		258	300	667	750	2227	2682	517	574
	a)	Interest on deposits	239	285	640	720	2160	2562	219	264

	b)	Interest on RBI/inter-bank borrowings	19	15	26	30	3	3	4	6

	c)	Others	-	-	-	-	65	118	294	304

IV.	Operating expenses		233	254	474	502	1107	1046	247	241
	a)	Payments to and provisions for employees	203	218	453	474	1023	961	230	220

	b)	Rent, taxes and lighting	4	4	6	6	12	14	7	8

	c)	Printing and stationery	4	4	3	3	8	7	2	2

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

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

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

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

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

	i)	Postage, telegrams, telephones, etc.	-	-	1	1	4	6	1	1

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

	k)	Insurance	4	3	5	5	15	19	2	2

	l)	Other expenditure	17	23	3	8	37	29	4	5

V.	Provisions and contingencies		-8	42	21	21	-	788	-	2
	Total expenses*		491	554	1141	1253	3335	3728	764	815
VI.	Profit (loss)		-131	-83	-541	-488	465	624	-259	-240
	Total (III+IV+V+VI)		352	513	621	785	3799	5139	505	577
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Malaprabha		Mallabhum		Malwa Gramin Bank Kshetriya		Mandla Balaghat
			Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(209)	(210)	(211)	(212)	(213)	(214)	(215)	(216)
Income

I.	Interest Earned		6520	8089	4224	5440	1114	1290	451	659
	a)	Interest/discount on advances/bills	4165	5213	1001	1481	471	531	86	119

	b)	Income on Investments	1120	1568	1614	1974	246	293	7	36

	c)	Interest on balances with	1235	1309	1608	-	397	466	358	504
		RBI and other inter-bank funds

	d)	Others	-	-	-	1985	-	-	-	-

II.	Other income		318	422	418	358	38	38	11	17
	a)	Commission, exchange and brokerage	64	87	227	358	18	21	9	11

	b)	Other miscellaneous income	254	335	191	-	20	17	2	5
Total (I+II)			6837	8511	4642	5798	1152	1328	462	676
Expenditure & Provisions
III.	Interest expended		3544	4361	3450	4128	598	711	383	480
	a)	Interest on deposits	2555	3285	3325	3977	467	561	371	462

	b)	Interest on RBI/inter-bank borrowings	989	1077	125	-	131	150	11	18

	c)	Others	-	-	-	151	-	-	-	-

IV.	Operating expenses		2037	2260	1482	1580	198	215	259	271
	a)	Payments to and provisions for employees	1756	1908	1359	1447	169	184	225	240

	b)	Rent, taxes and lighting	43	52	27	32	6	7	5	6

	c)	Printing and stationery	23	24	14	11	2	2	3	3

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

	e)	Depreciation on Bank's property	19	30	4	4	3	2	1	1

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

	g)	Auditors' fees and expenses	3	6	2	4	1	1	-	1

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

	i)	Postage, telegrams, telephones, etc.	26	28	1	1	1	1	1	1

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

	k)	Insurance	16	21	24	26	3	3	8	3

	l)	Other expenditure	144	187	47	52	12	13	56	16

V.	Provisions and contingencies		122	41	-	46	45	-	42	13
	Total expenses*		5581	6622	4932	5708	796	926	641	751
VI.	Profit (loss)		1135	1848	-290	44	312	402	-221	-88
	Total (III+IV+V+VI)		6837	8511	4642	5798	1152	1328	462	676
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Manipur		Manjira		Marathwada		Marudhar Kshetriya
			Rural Bank		Gramin Bank		Rural Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(217)	(218)	(219)	(220)	(221)	(222)	(223)	(224)
Income

I.	Interest Earned		182	200	2210	2664	3989	4446	496	685
	a)	Interest/discount on advances/bills	51	50	1216	1467	1836	1944	243	337

	b)	Income on Investments	11	22	477	529	2066	2286	12	13

	c)	Interest on balances with	120	128	517	668	8	6	-	-
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	80	210	241	335

II.	Other income		7	16	76	145	157	358	81	146
	a)	Commission, exchange and brokerage	3	4	44	45	107	105	3	4

	b)	Other miscellaneous income	4	12	32	100	50	253	78	142
Total (I+II)			189	215	2285	2809	4146	4804	576	831
Expenditure & Provisions
III.	Interest expended		114	121	1359	1638	2289	2676	589	701
	a)	Interest on deposits	71	105	1057	1262	1864	2154	533	611

	b)	Interest on RBI/inter-bank borrowings	43	16	302	376	55	110	-	-

	c)	Others	-	-	-	-	370	412	55	90

IV.	Operating expenses		129	137	551	620	1534	1676	352	411
	a)	Payments to and provisions for employees	118	124	386	438	1370	1467	309	340

	b)	Rent, taxes and lighting	4	4	12	16	34	36	5	7

	c)	Printing and stationery	3	4	10	7	13	11	4	3

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

	e)	Depreciation on Bank's property	1	1	7	10	8	16	3	2

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

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

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

	i)	Postage, telegrams, telephones, etc.	-	-	7	8	13	16	2	2

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

	k)	Insurance	1	1	7	9	14	15	4	4

	l)	Other expenditure	2	2	119	128	79	109	26	51

V.	Provisions and contingencies		-	6	-	-	287	251	21	-
	Total expenses*		243	257	1911	2258	3823	4352	941	1112
VI.	Profit (loss)		-53	-48	375	551	36	201	-385	-281
	Total (III+IV+V+VI)		189	215	2285	2809	4146	4804	576	831
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Marwar		Mayurakshi		Mewar Anchalik		Mithila Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(225)	(226)	(227)	(228)	(229)	(230)	(231)	(232)
Income

I.	Interest Earned		4114	4903	1639	2151	1337	1759	846	1091
	a)	Interest/discount on advances/bills	1293	1602	508	600	322	419	136	165

	b)	Income on Investments	1734	1782	526	-	238	300	32	34

	c)	Interest on balances with	1026	1352	605	803	28	939	678	893
		RBI and other inter-bank funds

	d)	Others	61	166	-	748	749	101	-	-

II.	Other income		57	152	92	183	69	78	46	74
	a)	Commission, exchange and brokerage	57	134	87	124	9	11	4	9

	b)	Other miscellaneous income	-	17	6	59	60	67	42	64
Total (I+II)			4170	5055	1731	2334	1406	1837	892	1165
Expenditure & Provisions
III.	Interest expended		3077	3779	1328	1992	1126	1346	789	927
	a)	Interest on deposits	2866	3592	1256	1909	1070	1278	767	914

	b)	Interest on RBI/inter-bank borrowings	211	187	72	83	56	4	22	13

	c)	Others	-	-	-	-	-	64	-	-

IV.	Operating expenses		876	954	691	741	351	375	455	476
	a)	Payments to and provisions for employees	789	843	636	673	300	309	419	441

	b)	Rent, taxes and lighting	15	16	11	12	11	14	5	6

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

	d)	Advertisement and publicity	5	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	-	4	2	2	5	8	2	2

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

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

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

	i)	Postage, telegrams, telephones, etc.	1	11	1	1	6	6	1	1

	j)	Repairs and maintenance	9	1	-	-	1	-	2	2

	k)	Insurance	1	1	10	21	5	4	1	1

	l)	Other expenditure	45	65	23	23	17	28	22	18

V.	Provisions and contingencies		80	53	63	95	29	15	-	25
	Total expenses*		3953	4733	2019	2732	1477	1721	1244	1402
VI.	Profit (loss)		138	268	-351	-494	-100	102	-352	-262
	Total (III+IV+V+VI)		4170	5055	1731	2334	1406	1837	892	1165