Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 5 of 12) - RBI - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 5 of 12)
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(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Gorakhpur Kshetriya |
Gurdaspur Amritsar |
Gurgaon |
Gwalior Datia Kshetriya |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(129) |
(130) |
(131) |
(132) |
(133) |
(134) |
(135) |
(136) |
||
Income |
||||||||||||
I. |
Interest Earned |
9371 |
10938 |
1562 |
1945 |
5626 |
6215 |
666 |
908 |
|||
a) |
Interest/discount on advances/bills |
1351 |
1667 |
456 |
487 |
1720 |
2113 |
155 |
210 |
|||
b) |
Income on Investments |
7968 |
9184 |
657 |
870 |
3906 |
4102 |
- |
57 |
|||
c) |
Interest on balances with |
52 |
87 |
449 |
588 |
- |
- |
358 |
394 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
153 |
247 |
|||
II. |
Other income |
109 |
134 |
20 |
94 |
76 |
175 |
9 |
16 |
|||
a) |
Commission, exchange and brokerage |
103 |
128 |
17 |
23 |
17 |
22 |
5 |
5 |
|||
b) |
Other miscellaneous income |
6 |
6 |
3 |
71 |
59 |
153 |
4 |
11 |
|||
Total (I+II) |
9480 |
11072 |
1582 |
2038 |
5702 |
6390 |
675 |
924 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
5687 |
6328 |
848 |
1065 |
3197 |
3576 |
512 |
675 |
|||
a) |
Interest on deposits |
5331 |
5843 |
771 |
970 |
2788 |
3157 |
323 |
387 |
|||
b) |
Interest on RBI/inter-bank borrowings |
356 |
484 |
71 |
90 |
- |
- |
37 |
40 |
|||
c) |
Others |
- |
- |
6 |
4 |
409 |
419 |
153 |
247 |
|||
IV. |
Operating expenses |
1727 |
1792 |
367 |
396 |
1142 |
1214 |
173 |
189 |
|||
a) |
Payments to and provisions for employees |
1453 |
1496 |
322 |
340 |
1011 |
1068 |
124 |
123 |
|||
b) |
Rent, taxes and lighting |
44 |
59 |
7 |
10 |
32 |
35 |
4 |
5 |
|||
c) |
Printing and stationery |
16 |
16 |
5 |
6 |
12 |
12 |
3 |
3 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
7 |
8 |
5 |
8 |
7 |
13 |
1 |
1 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
3 |
5 |
1 |
2 |
2 |
3 |
- |
- |
|||
h) |
Law charges |
2 |
1 |
- |
- |
2 |
2 |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
9 |
11 |
3 |
3 |
5 |
8 |
1 |
1 |
|||
j) |
Repairs and maintenance |
2 |
3 |
1 |
1 |
4 |
3 |
- |
- |
|||
k) |
Insurance |
57 |
79 |
6 |
8 |
22 |
24 |
1 |
1 |
|||
l) |
Other expenditure |
133 |
112 |
18 |
19 |
45 |
47 |
40 |
54 |
|||
V. |
Provisions and contingencies |
35 |
283 |
81 |
86 |
7 |
92 |
- |
- |
|||
Total expenses* |
7414 |
8119 |
1215 |
1461 |
4339 |
4790 |
686 |
815 |
||||
VI. |
Profit (loss) |
2031 |
2670 |
286 |
491 |
1356 |
1507 |
-10 |
61 |
|||
|
Total (III+IV+V+VI) |
9480 |
11072 |
1582 |
2038 |
5702 |
6390 |
675 |
924 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Hadoti Kshetriya |
Haryana Kshetriya |
Hazaribagh Kshetriya |
Himachal |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(137) |
(138) |
(139) |
(140) |
(141) |
(142) |
(143) |
(144) |
||
Income |
||||||||||||
I. |
Interest Earned |
1458 |
1932 |
2284 |
2653 |
802 |
946 |
3293 |
4103 |
|||
a) |
Interest/discount on advances/bills |
50 |
904 |
1191 |
1318 |
122 |
174 |
664 |
988 |
|||
b) |
Income on Investments |
67 |
95 |
461 |
502 |
329 |
516 |
1895 |
2291 |
|||
c) |
Interest on balances with |
741 |
934 |
- |
- |
351 |
255 |
733 |
822 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
633 |
832 |
- |
- |
2 |
2 |
|||
II. |
Other income |
60 |
123 |
57 |
68 |
10 |
6 |
33 |
51 |
|||
a) |
Commission, exchange and brokerage |
27 |
39 |
40 |
40 |
8 |
3 |
15 |
21 |
|||
b) |
Other miscellaneous income |
32 |
84 |
16 |
29 |
3 |
3 |
18 |
30 |
|||
Total (I+II) |
1518 |
2055 |
2340 |
2721 |
812 |
952 |
3327 |
4154 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
1141 |
1356 |
1645 |
1931 |
445 |
543 |
2312 |
2890 |
|||
a) |
Interest on deposits |
998 |
1156 |
1448 |
1694 |
411 |
499 |
2204 |
2746 |
|||
b) |
Interest on RBI/inter-bank borrowings |
143 |
200 |
- |
- |
34 |
44 |
1 |
1 |
|||
c) |
Others |
- |
- |
197 |
237 |
- |
- |
107 |
143 |
|||
IV. |
Operating expenses |
468 |
502 |
585 |
640 |
141 |
141 |
745 |
860 |
|||
a) |
Payments to and provisions for employees |
405 |
432 |
531 |
578 |
118 |
119 |
670 |
766 |
|||
b) |
Rent, taxes and lighting |
14 |
15 |
10 |
11 |
4 |
4 |
15 |
21 |
|||
c) |
Printing and stationery |
5 |
6 |
3 |
8 |
3 |
2 |
8 |
9 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
4 |
6 |
4 |
4 |
2 |
2 |
6 |
9 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
2 |
1 |
1 |
- |
- |
1 |
2 |
|||
h) |
Law charges |
- |
1 |
1 |
1 |
- |
- |
1 |
1 |
|||
i) |
Postage, telegrams, telephones, etc. |
4 |
4 |
2 |
3 |
1 |
1 |
8 |
10 |
|||
j) |
Repairs and maintenance |
- |
1 |
- |
1 |
- |
- |
1 |
2 |
|||
k) |
Insurance |
11 |
10 |
11 |
15 |
- |
- |
14 |
17 |
|||
l) |
Other expenditure |
23 |
25 |
21 |
19 |
12 |
12 |
22 |
22 |
|||
V. |
Provisions and contingencies |
1 |
- |
- |
- |
60 |
6 |
4 |
- |
|||
Total expenses* |
1609 |
1858 |
2230 |
2571 |
586 |
684 |
3057 |
3750 |
||||
VI. |
Profit (loss) |
-91 |
197 |
111 |
150 |
166 |
263 |
266 |
404 |
|||
|
Total (III+IV+V+VI) |
1518 |
2055 |
2340 |
2721 |
812 |
952 |
3327 |
4154 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Hindon |
Hissar-Sirsa Kshetriya |
Howrah |
Indore Ujjain |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(145) |
(146) |
(147) |
(148) |
(149) |
(150) |
(151) |
(152) |
||
Income |
||||||||||||
I. |
Interest Earned |
408 |
496 |
1093 |
1312 |
2019 |
2467 |
650 |
761 |
|||
a) |
Interest/discount on advances/bills |
90 |
123 |
484 |
630 |
330 |
411 |
286 |
356 |
|||
b) |
Income on Investments |
318 |
365 |
242 |
245 |
1144 |
1410 |
355 |
160 |
|||
c) |
Interest on balances with |
- |
- |
367 |
437 |
545 |
646 |
9 |
246 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
8 |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
7 |
31 |
23 |
32 |
81 |
115 |
33 |
96 |
|||
a) |
Commission, exchange and brokerage |
5 |
5 |
6 |
7 |
61 |
95 |
5 |
6 |
|||
b) |
Other miscellaneous income |
2 |
27 |
17 |
25 |
19 |
20 |
28 |
91 |
|||
Total (I+II) |
415 |
528 |
1115 |
1343 |
2099 |
2582 |
683 |
858 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
221 |
258 |
648 |
789 |
1472 |
1926 |
423 |
533 |
|||
a) |
Interest on deposits |
205 |
230 |
516 |
627 |
1422 |
1851 |
368 |
449 |
|||
b) |
Interest on RBI/inter-bank borrowings |
16 |
28 |
5 |
4 |
50 |
74 |
55 |
84 |
|||
c) |
Others |
- |
- |
128 |
157 |
- |
- |
- |
- |
|||
IV. |
Operating expenses |
126 |
106 |
249 |
290 |
419 |
443 |
223 |
208 |
|||
a) |
Payments to and provisions for employees |
107 |
86 |
212 |
249 |
364 |
378 |
194 |
175 |
|||
b) |
Rent, taxes and lighting |
3 |
3 |
8 |
9 |
16 |
19 |
9 |
9 |
|||
c) |
Printing and stationery |
1 |
1 |
4 |
3 |
6 |
8 |
4 |
4 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
1 |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
2 |
2 |
4 |
4 |
5 |
5 |
2 |
2 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
- |
- |
1 |
1 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
- |
- |
- |
- |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
2 |
3 |
2 |
3 |
2 |
3 |
1 |
2 |
|||
j) |
Repairs and maintenance |
- |
- |
- |
1 |
1 |
2 |
1 |
1 |
|||
k) |
Insurance |
2 |
2 |
3 |
7 |
11 |
10 |
4 |
6 |
|||
l) |
Other expenditure |
8 |
7 |
15 |
14 |
12 |
16 |
9 |
10 |
|||
V. |
Provisions and contingencies |
16 |
54 |
- |
6 |
99 |
184 |
4 |
7 |
|||
Total expenses* |
347 |
364 |
897 |
1079 |
1891 |
2368 |
646 |
741 |
||||
VI. |
Profit (loss) |
52 |
110 |
219 |
258 |
109 |
30 |
33 |
110 |
|||
|
Total (III+IV+V+VI) |
415 |
528 |
1115 |
1343 |
2099 |
2582 |
683 |
858 |
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items |
Jaipur Nagaur Anchalik |
Jammu Rural |
Jamnagar |
Jamuna |
||||||||
Gramin Bank |
Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(153) |
(154) |
(155) |
(156) |
(157) |
(158) |
(159) |
(160) |
||
Income |
||||||||||||
I. |
Interest Earned |
3834 |
4467 |
3223 |
3768 |
1376 |
1801 |
1670 |
1796 |
|||
a) |
Interest/discount on advances/bills |
686 |
1085 |
499 |
491 |
548 |
716 |
682 |
670 |
|||
b) |
Income on Investments |
1828 |
2150 |
2 |
3112 |
303 |
508 |
364 |
370 |
|||
c) |
Interest on balances with |
1319 |
1232 |
2721 |
165 |
525 |
577 |
624 |
756 |
|||
RBI and other inter-bank funds |
||||||||||||
d) |
Others |
- |
- |
- |
- |
- |
- |
- |
- |
|||
II. |
Other income |
81 |
166 |
68 |
13 |
32 |
35 |
66 |
58 |
|||
a) |
Commission, exchange and brokerage |
26 |
34 |
8 |
9 |
32 |
35 |
21 |
21 |
|||
b) |
Other miscellaneous income |
55 |
133 |
61 |
4 |
- |
- |
45 |
37 |
|||
Total (I+II) |
3915 |
4634 |
3291 |
3781 |
1409 |
1836 |
1735 |
1855 |
||||
Expenditure & Provisions |
||||||||||||
III. |
Interest expended |
2431 |
2873 |
1992 |
2505 |
875 |
1198 |
1031 |
1218 |
|||
a) |
Interest on deposits |
2306 |
2692 |
1889 |
2373 |
748 |
1016 |
926 |
1086 |
|||
b) |
Interest on RBI/inter-bank borrowings |
125 |
181 |
- |
- |
127 |
180 |
17 |
21 |
|||
c) |
Others |
- |
- |
103 |
132 |
- |
3 |
87 |
112 |
|||
IV. |
Operating expenses |
859 |
902 |
585 |
604 |
326 |
337 |
273 |
295 |
|||
a) |
Payments to and provisions for employees |
771 |
804 |
522 |
527 |
295 |
300 |
235 |
253 |
|||
b) |
Rent, taxes and lighting |
13 |
19 |
11 |
14 |
7 |
10 |
14 |
12 |
|||
c) |
Printing and stationery |
20 |
12 |
9 |
8 |
7 |
6 |
3 |
1 |
|||
d) |
Advertisement and publicity |
- |
- |
- |
- |
- |
- |
- |
- |
|||
e) |
Depreciation on Bank's property |
3 |
6 |
7 |
6 |
1 |
3 |
3 |
4 |
|||
f) |
Directors' fees, allowances and expenses |
- |
- |
- |
- |
- |
- |
- |
- |
|||
g) |
Auditors' fees and expenses |
1 |
2 |
1 |
2 |
1 |
1 |
1 |
1 |
|||
h) |
Law charges |
1 |
1 |
2 |
3 |
- |
- |
- |
- |
|||
i) |
Postage, telegrams, telephones, etc. |
8 |
11 |
4 |
4 |
2 |
2 |
3 |
4 |
|||
j) |
Repairs and maintenance |
1 |
1 |
1 |
1 |
- |
- |
1 |
- |
|||
k) |
Insurance |
1 |
4 |
12 |
14 |
5 |
5 |
- |
- |
|||
l) |
Other expenditure |
40 |
42 |
17 |
25 |
7 |
10 |
13 |
18 |
|||
V. |
Provisions and contingencies |
173 |
30 |
- |
140 |
- |
- |
- |
162 |
|||
Total expenses* |
3290 |
3776 |
2577 |
3109 |
1201 |
1535 |
1304 |
1513 |
||||
VI. |
Profit (loss) |
452 |
828 |
714 |
532 |
208 |
301 |
432 |
179 |
|||
|
Total (III+IV+V+VI) |
3915 |
4634 |
3291 |
3781 |
1409 |
1836 |
1735 |
1855 |