Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 2 of 8) - ربی - Reserve Bank of India
Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 2 of 8)
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Bhilwara-Ajmer |
Bhojpur Rohtas |
Bijapur |
Bikaner |
Bilaspur Raipur |
Bolangir |
|||||||
Kshetriya |
Gramin Bank |
Gramin Bank |
Kshetriya |
Kshetriya |
Anchalik |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
(57) |
(58) |
(59) |
(60) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1510 |
1698 |
4572 |
5614 |
3284 |
3919 |
378 |
454 |
2396 |
2591 |
1353 |
1913 |
a) Interest/discount on advances/bills |
744 |
876 |
877 |
1003 |
1926 |
2467 |
210 |
282 |
657 |
555 |
567 |
860 |
|
b) Income on Investments |
218 |
201 |
2366 |
3265 |
516 |
548 |
166 |
171 |
288 |
170 |
51 |
118 |
|
c) Interest on balances with |
549 |
621 |
1329 |
1346 |
841 |
904 |
1 |
1 |
1450 |
1866 |
735 |
935 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
68 |
78 |
529 |
530 |
151 |
216 |
29 |
28 |
203 |
55 |
38 |
371 |
a) Commission, exchange and brokerage |
35 |
35 |
9 |
11 |
20 |
37 |
14 |
13 |
189 |
44 |
38 |
45 |
|
b) Other miscellaneous income |
33 |
43 |
521 |
519 |
131 |
178 |
15 |
15 |
14 |
11 |
0 |
326 |
|
|
|||||||||||||
Total (I+II) |
1579 |
1777 |
5101 |
6144 |
3435 |
4135 |
406 |
482 |
2599 |
2646 |
1391 |
2284 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
986 |
1071 |
3397 |
3685 |
1827 |
2157 |
281 |
340 |
1608 |
1833 |
1609 |
1858 |
a) Interest on deposits |
850 |
912 |
3227 |
3486 |
1458 |
1759 |
217 |
268 |
1501 |
1726 |
1394 |
1627 |
|
b) Interest on RBI/inter-bank borrowings |
136 |
159 |
170 |
199 |
67 |
67 |
1 |
2 |
107 |
107 |
215 |
231 |
|
c) Others |
0 |
0 |
0 |
0 |
301 |
331 |
62 |
69 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
284 |
413 |
1273 |
1329 |
638 |
789 |
117 |
126 |
865 |
903 |
1124 |
1135 |
a) Payments to and provisions for employees |
234 |
360 |
1165 |
1197 |
543 |
676 |
98 |
110 |
788 |
823 |
1058 |
1044 |
|
b) Rent, taxes and lighting |
11 |
12 |
16 |
20 |
10 |
12 |
3 |
3 |
17 |
18 |
26 |
27 |
|
c) Printing and stationery |
5 |
5 |
11 |
20 |
9 |
11 |
1 |
1 |
10 |
9 |
7 |
10 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
4 |
5 |
8 |
11 |
12 |
17 |
2 |
2 |
2 |
2 |
5 |
5 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
1 |
2 |
2 |
5 |
3 |
3 |
0 |
1 |
2 |
2 |
3 |
3 |
|
h) Law charges |
1 |
1 |
1 |
1 |
0 |
2 |
0 |
0 |
1 |
1 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
5 |
5 |
10 |
9 |
8 |
8 |
1 |
1 |
6 |
5 |
7 |
5 |
|
j) Repairs and maintenance |
4 |
4 |
3 |
3 |
1 |
1 |
0 |
0 |
1 |
1 |
2 |
2 |
|
k) Insurance |
6 |
7 |
23 |
27 |
0 |
0 |
2 |
2 |
10 |
5 |
8 |
10 |
|
l) Other expenditure |
12 |
11 |
35 |
36 |
51 |
60 |
8 |
5 |
29 |
37 |
7 |
29 |
|
V. |
Provisions and contingencies |
37 |
74 |
0 |
112 |
68 |
1 |
5 |
6 |
107 |
141 |
65 |
0 |
Total expenses* |
1271 |
1485 |
4670 |
5015 |
2464 |
2940 |
398 |
465 |
2473 |
2735 |
2732 |
2993 |
|
VI. |
Profit /loss |
271 |
218 |
431 |
1018 |
902 |
1188 |
4 |
11 |
19 |
-231 |
-1405 |
-708 |
|
|||||||||||||
Total (III+IV+V+VI) |
1579 |
1777 |
5101 |
6144 |
3435 |
4135 |
406 |
482 |
2599 |
2646 |
1391 |
2284 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the yar ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Buldhana |
Bundelkhand |
Bundi-Chittor |
Cachar |
Cauvery |
Chaitanya |
|||||||
Gramin Bank |
Kshetriya |
Kshetriya |
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||||
Gramin Bank |
Gramin Bank |
||||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(61) |
(62) |
(63) |
(64) |
(65) |
(66) |
(67) |
(68) |
(69) |
(70) |
(71) |
(72) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
544 |
621 |
1900 |
2362 |
1407 |
1588 |
900 |
1105 |
2655 |
2853 |
1520 |
1859 |
a) Interest/discount on advances/bills |
401 |
454 |
424 |
589 |
752 |
822 |
215 |
284 |
1682 |
1807 |
931 |
1163 |
|
b) Income on Investments |
28 |
29 |
109 |
67 |
138 |
187 |
573 |
435 |
398 |
439 |
140 |
226 |
|
c) Interest on balances with |
115 |
138 |
1366 |
1706 |
517 |
579 |
112 |
110 |
576 |
606 |
449 |
470 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
276 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
29 |
37 |
28 |
45 |
54 |
48 |
59 |
53 |
188 |
299 |
132 |
113 |
a) Commission, exchange and brokerage |
23 |
31 |
25 |
42 |
11 |
11 |
23 |
28 |
171 |
168 |
41 |
48 |
|
b) Other miscellaneous income |
7 |
6 |
3 |
3 |
44 |
36 |
36 |
25 |
17 |
131 |
91 |
65 |
|
|
|||||||||||||
Total (I+II) |
573 |
658 |
1928 |
2407 |
1461 |
1635 |
960 |
1159 |
2843 |
3151 |
1652 |
1972 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
274 |
328 |
1300 |
1530 |
1010 |
1140 |
588 |
683 |
1799 |
2042 |
1001 |
1272 |
a) Interest on deposits |
159 |
261 |
1245 |
1469 |
800 |
939 |
561 |
656 |
1468 |
1724 |
842 |
1064 |
|
b) Interest on RBI/inter-bank borrowings |
47 |
0 |
54 |
61 |
8 |
10 |
27 |
26 |
331 |
317 |
42 |
65 |
|
c) Others |
67 |
66 |
0 |
0 |
202 |
191 |
0 |
1 |
0 |
0 |
118 |
143 |
|
IV. |
Operating expenses |
162 |
137 |
570 |
626 |
375 |
392 |
239 |
284 |
805 |
817 |
424 |
461 |
a) Payments to and provisions for employees |
97 |
103 |
528 |
577 |
334 |
349 |
201 |
219 |
722 |
729 |
310 |
383 |
|
b) Rent, taxes and lighting |
7 |
8 |
10 |
10 |
9 |
10 |
9 |
10 |
16 |
19 |
12 |
14 |
|
c) Printing and stationery |
2 |
3 |
6 |
6 |
4 |
4 |
4 |
5 |
10 |
11 |
6 |
8 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
4 |
5 |
2 |
2 |
3 |
2 |
2 |
2 |
5 |
6 |
5 |
7 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
1 |
1 |
1 |
2 |
2 |
2 |
1 |
1 |
3 |
3 |
1 |
1 |
|
h) Law charges |
0 |
0 |
0 |
1 |
0 |
0 |
0 |
0 |
1 |
0 |
1 |
0 |
|
i) Postage, telegrams, telephones, etc. |
2 |
2 |
2 |
1 |
3 |
3 |
2 |
2 |
11 |
10 |
4 |
5 |
|
j) Repairs and maintenance |
0 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
2 |
2 |
3 |
|
k) Insurance |
2 |
2 |
8 |
9 |
5 |
6 |
0 |
0 |
1 |
1 |
7 |
8 |
|
l) Other expenditure |
47 |
12 |
12 |
17 |
14 |
15 |
19 |
43 |
36 |
35 |
76 |
31 |
|
V. |
Provisions and contingencies |
20 |
70 |
0 |
0 |
26 |
26 |
0 |
0 |
37 |
95 |
0 |
73 |
Total expenses* |
435 |
464 |
1870 |
2156 |
1386 |
1532 |
827 |
967 |
2605 |
2858 |
1425 |
1733 |
|
VI. |
Profit /loss |
118 |
125 |
58 |
250 |
49 |
77 |
133 |
192 |
202 |
197 |
226 |
166 |
|
|||||||||||||
Total (III+IV+V+VI) |
573 |
658 |
1928 |
2407 |
1461 |
1635 |
960 |
1159 |
2843 |
3151 |
1652 |
1972 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Chambal |
Champaran |
Chandrapur |
Chhatrasal |
Chhindwara |
Chikmagalur |
||||||||
Items |
Kshetriya |
Kshetriya |
Gadchiroli |
Gramin Bank |
Seoni Kshetriya |
Kodagu |
|||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(73) |
(74) |
(75) |
(76) |
(77) |
(78) |
(79) |
(80) |
(81) |
(82) |
(83) |
(84) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
1075 |
1346 |
1321 |
1833 |
1027 |
1239 |
1500 |
1628 |
1028 |
1206 |
1298 |
1338 |
a) Interest/discount on advances/bills |
529 |
617 |
392 |
710 |
401 |
471 |
344 |
425 |
425 |
503 |
884 |
895 |
|
b) Income on Investments |
44 |
98 |
3 |
18 |
246 |
317 |
323 |
403 |
538 |
70 |
131 |
123 |
|
c) Interest on balances with |
502 |
631 |
926 |
1105 |
380 |
452 |
833 |
800 |
65 |
633 |
283 |
320 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
53 |
53 |
240 |
174 |
89 |
47 |
52 |
68 |
62 |
47 |
60 |
61 |
a) Commission, exchange and brokerage |
32 |
34 |
8 |
12 |
14 |
16 |
52 |
67 |
47 |
38 |
14 |
13 |
|
b) Other miscellaneous income |
20 |
19 |
231 |
162 |
75 |
31 |
0 |
1 |
15 |
9 |
47 |
48 |
|
|
|||||||||||||
Total (I+II) |
1127 |
1399 |
1561 |
2007 |
1116 |
1287 |
1551 |
1696 |
1090 |
1253 |
1358 |
1399 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
841 |
990 |
1286 |
1590 |
711 |
816 |
860 |
938 |
705 |
793 |
732 |
794 |
a) Interest on deposits |
755 |
886 |
1236 |
1486 |
661 |
775 |
779 |
867 |
686 |
771 |
566 |
621 |
|
b) Interest on RBI/inter-bank borrowings |
86 |
104 |
0 |
0 |
0 |
10 |
82 |
71 |
19 |
22 |
166 |
172 |
|
c) Others |
0 |
0 |
50 |
103 |
50 |
31 |
0 |
0 |
0 |
0 |
0 |
0 |
|
IV. |
Operating expenses |
227 |
251 |
858 |
900 |
360 |
398 |
468 |
483 |
350 |
371 |
276 |
336 |
a) Payments to and provisions for employees |
187 |
203 |
812 |
849 |
281 |
300 |
424 |
433 |
308 |
325 |
245 |
302 |
|
b) Rent, taxes and lighting |
8 |
11 |
11 |
14 |
8 |
9 |
10 |
10 |
10 |
11 |
6 |
7 |
|
c) Printing and stationery |
3 |
3 |
4 |
5 |
4 |
4 |
5 |
7 |
5 |
6 |
6 |
5 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
5 |
6 |
2 |
2 |
2 |
2 |
3 |
5 |
3 |
4 |
5 |
5 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
1 |
1 |
2 |
2 |
1 |
1 |
2 |
2 |
1 |
2 |
1 |
2 |
|
h) Law charges |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
1 |
0 |
0 |
0 |
1 |
|
i) Postage, telegrams, telephones, etc. |
1 |
2 |
1 |
2 |
0 |
1 |
5 |
5 |
3 |
3 |
4 |
5 |
|
j) Repairs and maintenance |
1 |
1 |
0 |
1 |
0 |
1 |
1 |
1 |
0 |
0 |
2 |
3 |
|
k) Insurance |
5 |
8 |
9 |
11 |
1 |
1 |
7 |
8 |
1 |
5 |
3 |
4 |
|
l) Other expenditure |
15 |
16 |
17 |
13 |
61 |
78 |
11 |
11 |
19 |
15 |
3 |
4 |
|
V. |
Provisions and contingencies |
9 |
55 |
10 |
14 |
8 |
0 |
44 |
18 |
27 |
61 |
49 |
92 |
Total expenses* |
1067 |
1240 |
2147 |
2490 |
1070 |
1213 |
1328 |
1421 |
1055 |
1163 |
1007 |
1130 |
|
VI. |
Profit /loss |
51 |
104 |
-598 |
-497 |
37 |
73 |
179 |
257 |
8 |
29 |
302 |
177 |
|
|||||||||||||
Total (III+IV+V+VI) |
1127 |
1399 |
1561 |
2007 |
1116 |
1287 |
1551 |
1696 |
1090 |
1253 |
1358 |
1399 |
|
|
(Amount in Rs. lakh) |
|||||||||||||
|
|||||||||||||
For the year ended March 31 |
|||||||||||||
|
|||||||||||||
Items |
Chitradurga |
Cuttack |
Damoh Panna |
Devipatan |
Dewas Shajapur |
Dhenkanal |
|||||||
Gramin Bank |
Gramya Bank |
Sagar Kshetriya |
Kshetriya |
Kshetriya |
Gramin Bank |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||||
|
|||||||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||||||
(85) |
(86) |
(87) |
(88) |
(89) |
(90) |
(91) |
(92) |
(93) |
(94) |
(95) |
(96) |
||
|
|||||||||||||
Income |
|||||||||||||
I. |
Interest Earned |
2173 |
2677 |
2329 |
3012 |
1481 |
1795 |
2527 |
2912 |
1338 |
1630 |
1847 |
2289 |
a) Interest/discount on advances/bills |
1343 |
1734 |
701 |
973 |
294 |
349 |
479 |
584 |
630 |
716 |
932 |
1183 |
|
b) Income on Investments |
383 |
428 |
405 |
497 |
1187 |
1446 |
955 |
989 |
317 |
271 |
642 |
929 |
|
c) Interest on balances with |
447 |
514 |
1221 |
1543 |
0 |
0 |
1094 |
1338 |
391 |
642 |
274 |
177 |
|
RBI and other inter-bank funds |
|||||||||||||
d) Others |
0 |
1 |
2 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
II. |
Other income |
98 |
129 |
652 |
438 |
43 |
50 |
54 |
65 |
115 |
49 |
54 |
52 |
a) Commission, exchange and brokerage |
23 |
27 |
17 |
45 |
28 |
32 |
28 |
20 |
9 |
8 |
20 |
26 |
|
b) Other miscellaneous income |
75 |
102 |
635 |
393 |
15 |
18 |
26 |
45 |
105 |
41 |
34 |
26 |
|
|
|||||||||||||
Total (I+II) |
2271 |
2807 |
2981 |
3450 |
1524 |
1845 |
2582 |
2977 |
1452 |
1678 |
1901 |
2341 |
|
|
|||||||||||||
Expenditure & Provisions |
|||||||||||||
III. |
Interest expended |
1375 |
1629 |
2155 |
2587 |
951 |
1115 |
1214 |
1401 |
878 |
1040 |
1234 |
1538 |
a) Interest on deposits |
1072 |
1253 |
2007 |
2435 |
891 |
1062 |
1132 |
1319 |
792 |
950 |
992 |
1240 |
|
b) Interest on RBI/inter-bank borrowings |
303 |
376 |
148 |
152 |
60 |
54 |
82 |
82 |
85 |
89 |
242 |
298 |
|
c) Others |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
0 |
0 |
|
IV. |
Operating expenses |
653 |
686 |
1035 |
1073 |
445 |
467 |
610 |
817 |
364 |
429 |
324 |
327 |
a) Payments to and provisions for employees |
575 |
600 |
915 |
927 |
383 |
427 |
557 |
740 |
317 |
381 |
272 |
277 |
|
b) Rent, taxes and lighting |
15 |
16 |
25 |
27 |
10 |
11 |
14 |
19 |
10 |
11 |
9 |
6 |
|
c) Printing and stationery |
8 |
8 |
11 |
11 |
3 |
4 |
6 |
7 |
4 |
4 |
8 |
5 |
|
d) Advertisement and publicity |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
e) Depreciation on Bank's property |
6 |
7 |
2 |
3 |
1 |
2 |
7 |
9 |
2 |
3 |
7 |
9 |
|
f) Directors' fees, allowances and expenses |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
g) Auditors' fees and expenses |
3 |
3 |
3 |
4 |
0 |
1 |
1 |
2 |
1 |
2 |
1 |
1 |
|
h) Law charges |
1 |
2 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
i) Postage, telegrams, telephones, etc. |
8 |
10 |
7 |
10 |
2 |
2 |
4 |
4 |
2 |
2 |
4 |
4 |
|
j) Repairs and maintenance |
3 |
4 |
1 |
1 |
0 |
1 |
0 |
1 |
1 |
1 |
0 |
0 |
|
k) Insurance |
7 |
8 |
13 |
11 |
6 |
8 |
11 |
14 |
6 |
8 |
1 |
1 |
|
l) Other expenditure |
27 |
29 |
56 |
77 |
38 |
11 |
9 |
22 |
20 |
16 |
22 |
23 |
|
V. |
Provisions and contingencies |
122 |
108 |
0 |
0 |
0 |
0 |
49 |
61 |
95 |
49 |
163 |
195 |
Total expenses* |
2028 |
2315 |
3191 |
3660 |
1396 |
1582 |
1824 |
2218 |
1242 |
1469 |
1558 |
1865 |
|
VI. |
Profit /loss |
122 |
383 |
-209 |
-210 |
128 |
263 |
709 |
698 |
115 |
160 |
180 |
281 |
|
|||||||||||||
Total (III+IV+V+VI) |
2271 |
2807 |
2981 |
3450 |
1524 |
1845 |
2582 |
2977 |
1452 |
1678 |
1901 |
2341 |
|
|
|||||||||||||
*: Excluding `Provisions and Contingencies' |
|||||||||||||
Source : Annual accounts of banks of respective years. |