Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 2 of 12)

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Published on November 20, 2000

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Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 2 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Bardhaman		Bareilly Kshetriya		Bastar Kshetriya		Basti
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)
Income

I.	Interest Earned		2830	3391	1543	1988	473	522	2800	3376
	a)	Interest/discount on advances/bills	534	668	502	700	163	172	423	518

	b)	Income on Investments	1399	1832	1028	1273	5	10	2346	2805

	c)	Interest on balances with	897	892	13	16	306	340	30	53
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		128	204	65	90	22	8	51	44
	a)	Commission, exchange and brokerage	15	37	15	17	7	8	32	41

	b)	Other miscellaneous income	113	168	50	73	16	3	18	3
Total (I+II)			2958	3596	1608	2078	495	530	2850	3420
Expenditure & Provisions
III.	Interest expended		2129	2672	836	1027	463	561	1668	1523
	a)	Interest on deposits	2062	2590	756	886	441	538	1541	1380

	b)	Interest on RBI/inter-bank borrowings	67	82	80	141	22	23	127	142

	c)	Others	-	-	-	-	-	-	-	1

IV.	Operating expenses		655	666	521	547	385	406	594	614
	a)	Payments to and provisions for employees	569	600	452	486	361	381	522	544

	b)	Rent, taxes and lighting	14	16	13	15	6	6	9	11

	c)	Printing and stationery	9	8	6	6	4	4	6	7

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

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

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

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

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

	i)	Postage, telegrams, telephones, etc.	3	3	3	3	1	1	9	3

	j)	Repairs and maintenance	1	1	5	7	1	1	2	2

	k)	Insurance	34	6	9	10	8	12	14	6

	l)	Other expenditure	21	25	28	15	3	2	26	35

V.	Provisions and contingencies		153	157	17	-	-	8	86	18
	Total expenses*		2784	3338	1357	1574	848	967	2262	2136
VI.	Profit (loss)		21	100	233	504	-353	-446	502	1265
	Total (III+IV+V+VI)		2958	3596	1608	2078	495	530	2850	3420

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Begusarai Kshetriya		Bhagalpur Banka Kshetriya		Bhagirath		Bhandara
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)
Income
I.	Interest Earned		367	485	473	613	3715	4307	532	814
	a)	Interest/discount on advances/bills	51	66	143	184	531	666	304	384

	b)	Income on Investments	127	416	327	425	3178	3636	72	99

	c)	Interest on balances with	172	3	4	4	6	4	155	331
		RBI and other inter-bank funds

	d)	Others	17	-	-	-	-	-	-	-

II.	Other income		5	26	13	14	145	147	74	46
	a)	Commission, exchange and brokerage	1	3	6	8	144	145	3	1

	b)	Other miscellaneous income	3	23	6	6	1	1	71	45
Total (I+II)			372	510	486	627	3860	4454	606	860
Expenditure & Provisions
III.	Interest expended		230	289	397	512	1602	1806	475	593
	a)	Interest on deposits	220	277	367	486	1474	1645	433	538

	b)	Interest on RBI/inter-bank borrowings	10	12	30	26	128	161	42	56

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		110	99	136	139	734	802	247	266
	a)	Payments to and provisions for employees	99	86	112	114	652	713	218	235

	b)	Rent, taxes and lighting	3	3	6	8	18	21	7	8

	c)	Printing and stationery	1	2	3	2	9	9	5	3

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

	e)	Depreciation on Bank's property	2	2	2	3	6	7	2	3

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

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

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

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

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

	k)	Insurance	2	2	5	4	14	16	-	-

	l)	Other expenditure	2	2	6	6	28	26	13	14

V.	Provisions and contingencies		29	75	45	97	116	224	-	-
	Total expenses*		340	388	533	651	2335	2608	721	860
VI.	Profit (loss)		3	47	-93	-121	1409	1622	-115	2
	Total (III+IV+V+VI)		372	510	486	627	3860	4454	606	862
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Bhilwara-Ajmer Kshetriya		Bhojpur Rohtas		Bijapur		Bikaner Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)
Income

I.	Interest Earned		1173	1510	3975	4572	2469	3284	286	378
	a)	Interest/discount on advances/bills	627	744	727	877	1319	1926	171	210

	b)	Income on Investments	244	218	1862	2366	378	516	114	166

	c)	Interest on balances with	302	549	1385	1329	772	841	1	1
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		51	68	288	529	112	151	28	29
	a)	Commission, exchange and brokerage	28	35	5	9	16	20	15	14

	b)	Other miscellaneous income	22	33	283	521	96	131	12	15
Total (I+II)			1224	1579	4263	5101	2581	3435	313	406
Expenditure & Provisions
III.	Interest expended		793	986	2702	3397	1506	1827	238	281
	a)	Interest on deposits	685	850	2559	3227	1116	1458	184	217

	b)	Interest on RBI/inter-bank borrowings	108	136	143	170	-	67	1	1

	c)	Others	-	-	-	-	390	301	54	62

IV.	Operating expenses		262	284	1152	1273	574	638	110	117
	a)	Payments to and provisions for employees	219	234	1063	1165	499	543	92	98

	b)	Rent, taxes and lighting	11	11	16	16	8	10	3	3

	c)	Printing and stationery	4	5	8	11	9	9	2	1

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

	e)	Depreciation on Bank's property	4	4	6	8	11	12	2	2

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

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

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

	i)	Postage, telegrams, telephones, etc.	4	5	5	10	6	8	1	1

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

	k)	Insurance	5	6	20	23	1	-	2	2

	l)	Other expenditure	11	12	28	35	39	51	9	8

V.	Provisions and contingencies		32	37	-	-	45	68	2	5
	Total expenses*		1055	1271	3854	4670	2080	2464	348	398
VI.	Profit (loss)		137	271	408	431	456	902	-37	4
	Total (III+IV+V+VI)		1224	1579	4263	5101	2581	3435	313	406
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Bilaspur Raipur Kshetriya		Bolangir Anchalik		Buldhana		Bundelkhand Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)
Income
I.	Interest Earned		2027	2396	1253	1353	437	544	1665	1900
	a)	Interest/discount on advances/bills	599	657	543	567	302	401	309	424

	b)	Income on Investments	289	288	175	51	24	28	130	109

	c)	Interest on balances with	1139	1450	536	735	111	115	1226	1366
		RBI and other inter-bank funds

	d)	Others	1	-	-	-	-	-	-	-

II.	Other income		48	203	62	38	18	29	21	28
	a)	Commission, exchange and brokerage	32	189	21	38	13	23	21	25

	b)	Other miscellaneous income	16	14	41	-	5	7	-	3
Total (I+II)			2075	2599	1316	1391	455	573	1686	1928
Expenditure & Provisions
III.	Interest expended		1181	1608	1343	1609	236	274	962	1300
	a)	Interest on deposits	1111	1501	1137	1394	131	159	918	1245

	b)	Interest on RBI/inter-bank borrowings	70	107	205	215	44	47	44	54

	c)	Others	-	-	-	-	61	67	-	-

IV.	Operating expenses		823	865	1001	1124	146	162	542	570
	a)	Payments to and provisions for employees	746	788	942	1058	89	97	498	528

	b)	Rent, taxes and lighting	16	17	24	26	6	7	9	10

	c)	Printing and stationery	9	10	10	7	2	2	5	6

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

	e)	Depreciation on Bank's property	2	2	5	5	3	4	1	2

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

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

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

	i)	Postage, telegrams, telephones, etc.	5	6	6	7	2	2	2	2

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

	k)	Insurance	9	10	7	8	1	2	6	8

	l)	Other expenditure	32	29	2	7	42	47	18	12

V.	Provisions and contingencies		32	107	47	65	42	20	37	-
	Total expenses*		2005	2473	2343	2732	383	435	1504	1870
VI.	Profit (loss)		38	19	-1075	-1405	29	118	145	58
	Total (III+IV+V+VI)		2075	2599	1316	1391	455	573	1686	1928