Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 1 of 12) - RBI - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 1 of 12)
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|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|||
For the year ended March 31 |
|||||||||||
Items |
Adhiyaman |
Akola Gramin |
Alaknanda |
Aligarh Gramin |
|||||||
Gramin Bank |
Bank |
Gramin Bank |
Bank |
|
|||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
||||
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
|
Income |
|||||||||||
I. |
Interest Earned |
577 |
623 |
330 |
508 |
752 |
834 |
3885 |
4512 |
||
a) |
Interest/discount on advances/bills |
346 |
362 |
192 |
330 |
126 |
149 |
1333 |
1613 |
||
b) |
Income on Investments |
48 |
84 |
- |
- |
101 |
130 |
1485 |
1508 |
||
c) |
Interest on balances with |
182 |
177 |
138 |
178 |
526 |
0 |
1068 |
1391 |
||
RBI and other inter-bank funds |
|||||||||||
d) |
Others |
- |
- |
- |
- |
- |
555 |
- |
- |
||
II. |
Other income |
59 |
60 |
46 |
146 |
36 |
20 |
93 |
123 |
||
a) |
Commission, exchange and brokerage |
11 |
21 |
13 |
51 |
7 |
11 |
53 |
46 |
||
b) |
Other miscellaneous income |
47 |
40 |
32 |
95 |
29 |
9 |
41 |
77 |
||
Total (I+II) |
635 |
683 |
376 |
655 |
788 |
853 |
3978 |
4635 |
|||
Expenditure & Provisions |
|||||||||||
III. |
Interest expended |
281 |
329 |
268 |
348 |
497 |
513 |
2264 |
2688 |
||
a) |
Interest on deposits |
232 |
265 |
154 |
270 |
466 |
472 |
1964 |
2374 |
||
b) |
Interest on RBI/inter-bank borrowings |
49 |
65 |
68 |
- |
31 |
41 |
300 |
314 |
||
c) |
Others |
- |
- |
46 |
78 |
- |
- |
- |
- |
||
IV. |
Operating expenses |
147 |
161 |
230 |
259 |
211 |
216 |
680 |
708 |
||
a) |
Payments to and provisions for employees |
119 |
128 |
199 |
233 |
167 |
181 |
605 |
629 |
||
b) |
Rent, taxes and lighting |
5 |
5 |
7 |
8 |
5 |
5 |
17 |
19 |
||
c) |
Printing and stationery |
3 |
3 |
2 |
3 |
2 |
3 |
7 |
7 |
||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
||
e) |
Depreciation on Bank's property |
2 |
3 |
2 |
2 |
1 |
2 |
5 |
5 |
||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
||
g) |
Auditors' fees and expenses |
- |
1 |
- |
1 |
1 |
1 |
1 |
2 |
||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
1 |
1 |
||
i) |
Postage, telegrams, telephones, etc. |
4 |
4 |
1 |
1 |
1 |
2 |
5 |
7 |
||
j) |
Repairs and maintenance |
2 |
2 |
- |
- |
- |
1 |
- |
- |
||
k) |
Insurance |
1 |
1 |
2 |
3 |
17 |
2 |
2 |
1 |
||
l) |
Other expenditure |
11 |
14 |
16 |
9 |
17 |
19 |
38 |
37 |
||
V. |
Provisions and contingencies |
26 |
24 |
8 |
- |
- |
8 |
- |
372 |
||
Total expenses* |
428 |
491 |
498 |
607 |
708 |
728 |
2944 |
3396 |
|||
VI. |
Profit (loss) |
181 |
169 |
-130 |
47 |
80 |
117 |
1034 |
866 |
||
|
Total (III+IV+V+VI) |
635 |
683 |
376 |
655 |
788 |
853 |
3978 |
4635 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Allahabad Kshetriya |
Alwar Bharatpur |
Ambala Kurukshetra |
Aravali Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
||
Income |
||||||||||||
I. |
Interest Earned |
2026 |
2637 |
1204 |
1592 |
1120 |
1278 |
797 |
992 |
|||
a) |
Interest/discount on advances/bills |
434 |
584 |
483 |
747 |
609 |
674 |
434 |
480 |
|||
b) |
Income on Investments |
624 |
601 |
357 |
402 |
276 |
292 |
117 |
149 |
|||
c) |
Interest on balances with |
968 |
1452 |
364 |
443 |
231 |
313 |
247 |
286 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
3 |
- |
- |
78 |
|||
II. |
Other income |
76 |
122 |
33 |
109 |
30 |
34 |
45 |
48 |
|||
a) |
Commission, exchange and brokerage |
13 |
6 |
12 |
22 |
6 |
6 |
14 |
16 |
|||
b) |
Other miscellaneous income |
63 |
116 |
21 |
87 |
24 |
29 |
30 |
31 |
|||
Total (I+II) |
2102 |
2759 |
1237 |
1701 |
1150 |
1313 |
842 |
1040 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1476 |
1730 |
895 |
1047 |
710 |
820 |
749 |
905 |
|||
a) |
Interest on deposits |
1427 |
1672 |
827 |
916 |
590 |
670 |
653 |
776 |
|||
b) |
Interest on RBI/inter-bank borrowings |
49 |
58 |
68 |
132 |
120 |
150 |
96 |
130 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
591 |
705 |
507 |
546 |
260 |
245 |
342 |
399 |
|||
a) |
Payments to and provisions for employees |
504 |
531 |
464 |
492 |
222 |
205 |
292 |
347 |
|||
b) |
Rent, taxes and lighting |
12 |
15 |
10 |
12 |
6 |
8 |
9 |
10 |
|||
c) |
Printing and stationery |
9 |
7 |
4 |
5 |
2 |
2 |
5 |
5 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
4 |
4 |
2 |
5 |
3 |
3 |
4 |
4 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
2 |
1 |
1 |
1 |
1 |
1 |
2 |
|||
h) |
Law charges |
1 |
- |
- |
- |
- |
1 |
2 |
3 |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
1 |
3 |
4 |
3 |
3 |
4 |
4 |
|||
j) |
Repairs and maintenance |
- |
- |
1 |
2 |
- |
- |
2 |
2 |
|||
k) |
Insurance |
12 |
14 |
6 |
7 |
4 |
1 |
6 |
6 |
|||
l) |
Other expenditure |
46 |
130 |
14 |
16 |
18 |
21 |
17 |
16 |
|||
V. |
Provisions and contingencies |
- |
59 |
- |
- |
70 |
71 |
26 |
65 |
|||
Total expenses* |
2067 |
2435 |
1401 |
1593 |
970 |
1065 |
1091 |
1305 |
||||
VI. |
Profit (loss) |
35 |
265 |
-164 |
108 |
110 |
176 |
-275 |
-330 |
|||
|
Total (III+IV+V+VI) |
2102 |
2759 |
1237 |
1701 |
1150 |
1313 |
842 |
1040 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Arunachal Pradesh |
Aurangabad Jalana |
Avadh |
Baitarani |
||||||||
Rural Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
||
Income |
||||||||||||
I. |
Interest Earned |
381 |
439 |
1109 |
1441 |
3848 |
4357 |
1239 |
1647 |
|||
a) |
Interest/discount on advances/bills |
335 |
381 |
485 |
808 |
598 |
803 |
489 |
620 |
|||
b) |
Income on Investments |
41 |
51 |
604 |
618 |
3211 |
3523 |
380 |
495 |
|||
c) |
Interest on balances with |
5 |
6 |
19 |
14 |
39 |
31 |
370 |
532 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
16 |
22 |
46 |
274 |
55 |
58 |
19 |
19 |
|||
a) |
Commission, exchange and brokerage |
10 |
9 |
40 |
106 |
13 |
16 |
7 |
7 |
|||
b) |
Other miscellaneous income |
6 |
13 |
6 |
168 |
42 |
43 |
12 |
12 |
|||
Total (I+II) |
397 |
461 |
1155 |
1715 |
3903 |
4415 |
1257 |
1666 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
195 |
218 |
545 |
767 |
2235 |
2663 |
1048 |
1293 |
|||
a) |
Interest on deposits |
153 |
169 |
378 |
540 |
2107 |
2527 |
924 |
1144 |
|||
b) |
Interest on RBI/inter-bank borrowings |
42 |
49 |
167 |
227 |
127 |
137 |
124 |
149 |
|||
c) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
99 |
119 |
374 |
415 |
1011 |
846 |
613 |
616 |
|||
a) |
Payments to and provisions for employees |
73 |
90 |
284 |
322 |
725 |
767 |
532 |
572 |
|||
b) |
Rent, taxes and lighting |
5 |
6 |
9 |
14 |
17 |
23 |
10 |
12 |
|||
c) |
Printing and stationery |
3 |
3 |
7 |
8 |
11 |
13 |
5 |
4 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
4 |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
1 |
1 |
7 |
17 |
15 |
12 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
1 |
1 |
2 |
1 |
3 |
2 |
2 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
1 |
4 |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
1 |
4 |
5 |
1 |
1 |
2 |
1 |
|||
j) |
Repairs and maintenance |
4 |
1 |
2 |
2 |
2 |
4 |
1 |
1 |
|||
k) |
Insurance |
2 |
3 |
4 |
4 |
21 |
11 |
10 |
9 |
|||
l) |
Other expenditure |
9 |
12 |
57 |
37 |
216 |
13 |
49 |
9 |
|||
V. |
Provisions and contingencies |
84 |
69 |
75 |
- |
205 |
179 |
- |
-78 |
|||
Total expenses* |
294 |
337 |
919 |
1182 |
3245 |
3510 |
1660 |
1909 |
||||
VI. |
Profit (loss) |
19 |
55 |
161 |
533 |
453 |
726 |
-403 |
-165 |
|||
|
Total (III+IV+V+VI) |
397 |
461 |
1155 |
1715 |
3903 |
4415 |
1257 |
1666 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Balasore Gramya |
Ballia Kshetriya |
Banaskantha Mehsana |
Bara Banki |
||||||||
Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
||
Income |
||||||||||||
I. |
Interest Earned |
274 |
373 |
2545 |
2823 |
1179 |
1683 |
2462 |
2684 |
|||
a) |
Interest/discount on advances/bills |
171 |
207 |
453 |
516 |
424 |
693 |
367 |
501 |
|||
b) |
Income on Investments |
- |
- |
2025 |
2281 |
321 |
619 |
1444 |
1517 |
|||
c) |
Interest on balances with |
103 |
166 |
- |
- |
421 |
356 |
609 |
629 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
67 |
26 |
14 |
15 |
43 |
37 |
|||
II. |
Other income |
26 |
30 |
259 |
112 |
73 |
101 |
35 |
33 |
|||
a) |
Commission, exchange and brokerage |
4 |
5 |
24 |
35 |
7 |
10 |
23 |
21 |
|||
b) |
Other miscellaneous income |
23 |
25 |
235 |
77 |
66 |
90 |
12 |
10 |
|||
Total (I+II) |
300 |
404 |
2804 |
2936 |
1252 |
1783 |
2498 |
2715 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
694 |
693 |
1547 |
1835 |
900 |
1215 |
1385 |
1629 |
|||
a) |
Interest on deposits |
599 |
577 |
1467 |
1704 |
780 |
1053 |
1300 |
1520 |
|||
b) |
Interest on RBI/inter-bank borrowings |
10 |
10 |
81 |
3 |
120 |
162 |
85 |
109 |
|||
c) |
Others |
85 |
106 |
- |
128 |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
426 |
464 |
536 |
567 |
425 |
532 |
603 |
654 |
|||
a) |
Payments to and provisions for employees |
393 |
420 |
497 |
517 |
385 |
400 |
552 |
604 |
|||
b) |
Rent, taxes and lighting |
10 |
10 |
8 |
9 |
8 |
8 |
10 |
11 |
|||
c) |
Printing and stationery |
4 |
3 |
4 |
4 |
4 |
5 |
6 |
6 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
1 |
2 |
2 |
2 |
4 |
3 |
3 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
1 |
1 |
2 |
2 |
2 |
1 |
2 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
1 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
1 |
2 |
2 |
2 |
2 |
3 |
3 |
3 |
|||
j) |
Repairs and maintenance |
- |
- |
- |
- |
2 |
4 |
1 |
1 |
|||
k) |
Insurance |
2 |
11 |
- |
10 |
- |
- |
1 |
- |
|||
l) |
Other expenditure |
13 |
15 |
23 |
21 |
21 |
105 |
26 |
24 |
|||
V. |
Provisions and contingencies |
135 |
80 |
- |
- |
- |
- |
69 |
-34 |
|||
Total expenses* |
1120 |
1157 |
2083 |
2402 |
1325 |
1747 |
2057 |
2283 |
||||
VI. |
Profit (loss) |
-955 |
-834 |
721 |
534 |
-73 |
37 |
371 |
467 |
|||
|
Total (III+IV+V+VI) |
300 |
404 |
2804 |
2936 |
1252 |
1783 |
2498 |
2715 |