Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 6 of 12) - RBI - Reserve Bank of India
Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 6 of 12)
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|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items | Jhbua Dhar Kshetriya |
Junagadh Amreli |
Ka Bank |
Kakathiya |
||||||||
Gramin Bank |
Gramin Bank |
Nongkyndong |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(161) |
(162) |
(163) |
(164) |
(165) |
(166) |
(167) |
(168) |
||
Income | ||||||||||||
I. | Interest Earned | 1146 |
1341 |
769 |
973 |
1191 |
1344 |
779 |
1174 |
|||
a) | Interest/discount on advances/bills | 637 |
787 |
283 |
335 |
154 |
192 |
447 |
684 |
|||
b) | Income on Investments | 89 |
92 |
248 |
343 |
604 |
524 |
12 |
31 |
|||
c) | Interest on balances with | 419 |
462 |
239 |
295 |
433 |
628 |
320 |
459 |
|||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - |
- |
- |
- |
- |
- |
- |
- |
|||
II. | Other income | 264 |
74 |
24 |
24 |
9 |
10 |
93 |
137 |
|||
a) | Commission, exchange and brokerage | 9 |
12 |
13 |
13 |
8 |
7 |
17 |
30 |
|||
b) | Other miscellaneous income | 255 |
62 |
11 |
11 |
1 |
4 |
76 |
107 |
|||
Total (I+II)
|
1410 |
1415 |
793 |
997 |
1200 |
1354 |
872 |
1311 |
||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 896 |
1042 |
473 |
607 |
598 |
713 |
580 |
871 |
|||
a) | Interest on deposits | 776 |
884 |
391 |
507 |
537 |
649 |
454 |
745 |
|||
b) | Interest on RBI/inter-bank borrowings | 120 |
159 |
81 |
76 |
61 |
64 |
126 |
127 |
|||
c) | Others | - |
- |
1 |
24 |
- |
- |
- |
- |
|||
IV. | Operating expenses | 513 |
539 |
173 |
192 |
224 |
244 |
267 |
323 |
|||
a) | Payments to and provisions for employees | 471 |
491 |
147 |
160 |
183 |
198 |
214 |
235 |
|||
b) | Rent, taxes and lighting | 11 |
13 |
5 |
5 |
12 |
13 |
11 |
13 |
|||
c) | Printing and stationery | 4 |
4 |
3 |
4 |
5 |
5 |
6 |
9 |
|||
d) | Advertisement and publicity | - |
- |
- |
- |
- |
- |
1 |
1 |
|||
e) | Depreciation on Bank's property | 2 |
2 |
1 |
1 |
2 |
2 |
3 |
9 |
|||
f) | Directors' fees, allowances and expenses | - |
- |
- |
- |
- |
- |
- |
- |
|||
g) | Auditors' fees and expenses | 1 |
1 |
1 |
- |
1 |
1 |
1 |
1 |
|||
h) | Law charges | 1 |
1 |
- |
- |
- |
- |
1 |
- |
|||
i) | Postage, telegrams, telephones, etc. | 2 |
2 |
2 |
2 |
- |
1 |
2 |
4 |
|||
j) | Repairs and maintenance | 1 |
2 |
- |
- |
- |
- |
1 |
1 |
|||
k) | Insurance | 6 |
7 |
3 |
4 |
6 |
4 |
3 |
10 |
|||
l) | Other expenditure | 14 |
15 |
12 |
16 |
16 |
20 |
24 |
41 |
|||
V. | Provisions and contingencies | - |
14 |
- |
- |
85 |
52 |
- |
- |
|||
Total expenses* | 1408 |
1581 |
646 |
799 |
823 |
957 |
846 |
1194 |
||||
VI. | Profit (loss) | 1 |
-180 |
147 |
198 |
292 |
344 |
26 |
117 |
|||
|
Total (III+IV+V+VI)
|
1410 |
1415 |
793 |
997 |
1200 |
1354 |
872 |
1311 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items | Kalahandi Anchalika |
Kalpatharu |
Kamraz |
Kanakadurga |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(169) |
(170) |
(171) |
(172) |
(173) |
(174) |
(175) |
(176) |
||
Income | ||||||||||||
I. | Interest Earned | 875 |
1103 |
1544 |
1746 |
1129 |
1319 |
783 |
888 |
|||
a) | Interest/discount on advances/bills | 386 |
535 |
718 |
820 |
256 |
246 |
473 |
509 |
|||
b) | Income on Investments | 138 |
231 |
626 |
725 |
104 |
73 |
306 |
359 |
|||
c) | Interest on balances with | 352 |
337 |
26 |
18 |
769 |
1000 |
4 |
19 |
|||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - |
- |
174 |
183 |
- |
- |
- |
- |
|||
II. | Other income | 20 |
25 |
96 |
186 |
31 |
51 |
20 |
35 |
|||
a) | Commission, exchange and brokerage | - |
- |
56 |
117 |
7 |
8 |
9 |
8 |
|||
b) | Other miscellaneous income | 20 |
25 |
40 |
68 |
24 |
42 |
11 |
28 |
|||
Total (I+II)
|
896 |
1128 |
1640 |
1932 |
1160 |
1370 |
803 |
923 |
||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 481 |
620 |
928 |
1138 |
802 |
965 |
407 |
521 |
|||
a) | Interest on deposits | 383 |
472 |
749 |
952 |
762 |
926 |
322 |
401 |
|||
b) | Interest on RBI/inter-bank borrowings | 98 |
148 |
179 |
185 |
40 |
39 |
84 |
120 |
|||
c) | Others | - |
- |
- |
- |
- |
- |
- |
- |
|||
IV. | Operating expenses | 352 |
449 |
516 |
529 |
609 |
630 |
157 |
173 |
|||
a) | Payments to and provisions for employees | 321 |
447 |
455 |
453 |
500 |
561 |
124 |
138 |
|||
b) | Rent, taxes and lighting | 9 |
11 |
14 |
17 |
11 |
13 |
7 |
8 |
|||
c) | Printing and stationery | 5 |
5 |
7 |
7 |
5 |
5 |
4 |
4 |
|||
d) | Advertisement and publicity | - |
- |
- |
- |
- |
- |
- |
1 |
|||
e) | Depreciation on Bank's property | 2 |
2 |
4 |
5 |
4 |
5 |
7 |
5 |
|||
f) | Directors' fees, allowances and expenses | 1 |
- |
- |
- |
- |
- |
- |
- |
|||
g) | Auditors' fees and expenses | 1 |
2 |
1 |
2 |
1 |
1 |
1 |
1 |
|||
h) | Law charges | - |
- |
- |
- |
1 |
- |
- |
- |
|||
i) | Postage, telegrams, telephones, etc. | 4 |
4 |
5 |
7 |
1 |
1 |
4 |
5 |
|||
j) | Repairs and maintenance | 1 |
1 |
4 |
5 |
1 |
1 |
1 |
2 |
|||
k) | Insurance | 3 |
6 |
4 |
6 |
7 |
8 |
3 |
2 |
|||
l) | Other expenditure | 51 |
18 |
23 |
26 |
79 |
36 |
5 |
8 |
|||
V. | Provisions and contingencies | 51 |
32 |
13 |
4 |
53 |
- |
18 |
- |
|||
Total expenses* | 834 |
1068 |
1444 |
1667 |
1411 |
1595 |
564 |
694 |
||||
VI. | Profit (loss) | 11 |
28 |
182 |
261 |
-304 |
-225 |
221 |
228 |
|||
|
Total (III+IV+V+VI)
|
896 |
1128 |
1640 |
1932 |
1160 |
1370 |
803 |
923 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items | Kanpur Kshetriya |
Kapurthala Firozpur Kshetriya |
Kashi |
Kisan |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gramin Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(177) |
(178) |
(179) |
(180) |
(181) |
(182) |
(183) |
(184) |
||
Income | ||||||||||||
I. | Interest Earned | 2861 |
3475 |
829 |
983 |
2230 |
2700 |
922 |
1082 |
|||
a) | Interest/discount on advances/bills | 614 |
771 |
265 |
282 |
487 |
605 |
278 |
321 |
|||
b) | Income on Investments | 1228 |
2600 |
260 |
344 |
811 |
1172 |
156 |
148 |
|||
c) | Interest on balances with | 1019 |
104 |
304 |
357 |
931 |
923 |
489 |
614 |
|||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - |
- |
- |
- |
- |
- |
- |
- |
|||
II. | Other income | 90 |
309 |
48 |
63 |
65 |
78 |
34 |
34 |
|||
a) | Commission, exchange and brokerage | 44 |
58 |
4 |
4 |
40 |
41 |
19 |
19 |
|||
b) | Other miscellaneous income | 45 |
252 |
44 |
59 |
24 |
37 |
15 |
15 |
|||
Total (I+II)
|
2951 |
3784 |
877 |
1046 |
2295 |
2778 |
956 |
1116 |
||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 1934 |
2283 |
500 |
584 |
1479 |
1855 |
493 |
557 |
|||
a) | Interest on deposits | 1748 |
2092 |
452 |
532 |
1425 |
1792 |
439 |
496 |
|||
b) | Interest on RBI/inter-bank borrowings | - |
191 |
48 |
53 |
1 |
1 |
54 |
61 |
|||
c) | Others | 187 |
- |
- |
- |
53 |
62 |
- |
- |
|||
IV. | Operating expenses | 700 |
773 |
255 |
273 |
543 |
613 |
376 |
371 |
|||
a) | Payments to and provisions for employees | 621 |
675 |
222 |
239 |
466 |
511 |
332 |
331 |
|||
b) | Rent, taxes and lighting | 17 |
21 |
4 |
5 |
12 |
16 |
8 |
8 |
|||
c) | Printing and stationery | 10 |
9 |
2 |
4 |
5 |
7 |
3 |
5 |
|||
d) | Advertisement and publicity | - |
- |
- |
- |
- |
- |
- |
- |
|||
e) | Depreciation on Bank's property | 8 |
9 |
5 |
4 |
4 |
8 |
3 |
4 |
|||
f) | Directors' fees, allowances and expenses | - |
- |
- |
- |
- |
- |
- |
- |
|||
g) | Auditors' fees and expenses | 1 |
2 |
1 |
1 |
1 |
2 |
1 |
1 |
|||
h) | Law charges | 1 |
2 |
1 |
- |
1 |
1 |
1 |
- |
|||
i) | Postage, telegrams, telephones, etc. | 2 |
3 |
3 |
3 |
3 |
3 |
2 |
3 |
|||
j) | Repairs and maintenance | 1 |
1 |
1 |
1 |
2 |
2 |
1 |
1 |
|||
k) | Insurance | 12 |
15 |
1 |
1 |
12 |
14 |
1 |
- |
|||
l) | Other expenditure | 27 |
37 |
15 |
14 |
36 |
48 |
23 |
17 |
|||
V. | Provisions and contingencies | 33 |
158 |
20 |
48 |
37 |
47 |
65 |
112 |
|||
Total expenses* | 2634 |
3056 |
755 |
857 |
2022 |
2468 |
869 |
928 |
||||
VI. | Profit (loss) | 284 |
569 |
102 |
141 |
236 |
263 |
22 |
76 |
|||
|
Total (III+IV+V+VI)
|
2951 |
3784 |
877 |
1046 |
2295 |
2778 |
956 |
1116 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items | Kolar |
Koraput Panchabati |
Kosi Kshetriya |
Krishna |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Grameen Bank |
|||||||||
|
|
|
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
||
|
|
|
(185) |
(186) |
(187) |
(188) |
(189) |
(190) |
(191) |
(192) |
||
Income | ||||||||||||
I. | Interest Earned | 1565 |
1724 |
1774 |
2041 |
1626 |
1962 |
3212 |
3688 |
|||
a) | Interest/discount on advances/bills | 834 |
931 |
755 |
875 |
414 |
474 |
2058 |
2335 |
|||
b) | Income on Investments | 726 |
787 |
1009 |
1166 |
27 |
32 |
527 |
813 |
|||
c) | Interest on balances with | 5 |
5 |
- |
- |
1185 |
- |
627 |
541 |
|||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - |
- |
10 |
- |
- |
1457 |
- |
- |
|||
II. | Other income | 139 |
114 |
40 |
37 |
47 |
208 |
87 |
137 |
|||
a) | Commission, exchange and brokerage | 24 |
65 |
- |
- |
30 |
55 |
87 |
95 |
|||
b) | Other miscellaneous income | 115 |
50 |
40 |
37 |
17 |
154 |
- |
42 |
|||
Total (I+II)
|
1705 |
1838 |
1814 |
2078 |
1673 |
2170 |
3300 |
3825 |
||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 863 |
994 |
1055 |
1289 |
1310 |
1537 |
1898 |
2238 |
|||
a) | Interest on deposits | 674 |
823 |
839 |
1040 |
1260 |
1481 |
1391 |
1669 |
|||
b) | Interest on RBI/inter-bank borrowings | 165 |
170 |
216 |
249 |
50 |
56 |
507 |
568 |
|||
c) | Others | 23 |
- |
- |
- |
- |
- |
- |
- |
|||
IV. | Operating expenses | 422 |
472 |
658 |
653 |
951 |
1067 |
688 |
748 |
|||
a) | Payments to and provisions for employees | 371 |
411 |
611 |
607 |
883 |
942 |
575 |
647 |
|||
b) | Rent, taxes and lighting | 14 |
16 |
11 |
12 |
15 |
16 |
16 |
18 |
|||
c) | Printing and stationery | 6 |
7 |
8 |
10 |
11 |
10 |
12 |
11 |
|||
d) | Advertisement and publicity | - |
- |
- |
- |
- |
1 |
- |
- |
|||
e) | Depreciation on Bank's property | 4 |
6 |
4 |
5 |
4 |
6 |
5 |
5 |
|||
f) | Directors' fees, allowances and expenses | - |
- |
- |
- |
- |
- |
- |
- |
|||
g) | Auditors' fees and expenses | 1 |
2 |
1 |
2 |
1 |
2 |
1 |
3 |
|||
h) | Law charges | 1 |
1 |
- |
- |
1 |
- |
1 |
- |
|||
i) | Postage, telegrams, telephones, etc. | 6 |
8 |
6 |
5 |
3 |
3 |
6 |
6 |
|||
j) | Repairs and maintenance | - |
2 |
1 |
1 |
1 |
1 |
1 |
1 |
|||
k) | Insurance | 5 |
6 |
6 |
4 |
11 |
11 |
9 |
11 |
|||
l) | Other expenditure | 14 |
14 |
10 |
8 |
20 |
75 |
61 |
46 |
|||
V. | Provisions and contingencies | - |
61 |
58 |
34 |
19 |
- |
136 |
226 |
|||
Total expenses* | 1286 |
1466 |
1713 |
1943 |
2261 |
2604 |
2586 |
2985 |
||||
VI. | Profit (loss) | 419 |
311 |
43 |
102 |
-606 |
-434 |
578 |
614 |
|||
|
Total (III+IV+V+VI)
|
1705 |
1838 |
1814 |
2078 |
1673 |
2170 |
3300 |
3825 |
|||
|
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
||||
For the year ended March 31 |
||||||||||||
Items | Kshetriya |
Kutch |
K.Kisan |
Lakhimi |
||||||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
Gaonlia Bank |
|||||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||||
|
|
|
(193) |
(194) |
(195) |
(196) |
(197) |
(198) |
(199) |
(200) |
||
Income | ||||||||||||
I. | Interest Earned | 1705 |
2035 |
1225 |
1442 |
1186 |
1007 |
1347 |
1738 |
|||
a) | Interest/discount on advances/bills | 664 |
800 |
357 |
446 |
398 |
486 |
253 |
295 |
|||
b) | Income on Investments | 81 |
112 |
656 |
809 |
83 |
99 |
948 |
1234 |
|||
c) | Interest on balances with | 961 |
1123 |
212 |
187 |
705 |
423 |
- |
- |
|||
RBI and other inter-bank funds | ||||||||||||
d) | Others | - |
- |
- |
- |
- |
- |
146 |
209 |
|||
II. | Other income | 28 |
42 |
47 |
58 |
19 |
22 |
207 |
245 |
|||
a) | Commission, exchange and brokerage | 27 |
33 |
12 |
21 |
16 |
10 |
28 |
38 |
|||
b) | Other miscellaneous income | 2 |
9 |
34 |
37 |
3 |
12 |
180 |
207 |
|||
Total (I+II)
|
1733 |
2077 |
1272 |
1500 |
1205 |
1029 |
1554 |
1983 |
||||
Expenditure & Provisions | ||||||||||||
III. | Interest expended | 1032 |
1257 |
795 |
939 |
1108 |
808 |
855 |
1081 |
|||
a) | Interest on deposits | 924 |
1097 |
717 |
838 |
590 |
713 |
794 |
1026 |
|||
b) | Interest on RBI/inter-bank borrowings | 5 |
16 |
78 |
101 |
70 |
95 |
61 |
55 |
|||
nbsp; | ||||||||||||
c) | Others | 103 |
143 |
- |
- |
448 |
- |
- |
- |
|||
IV. | Operating expenses | 541 |
583 |
257 |
285 |
381 |
401 |
598 |
641 |
|||
a) | Payments to and provisions for employees | 486 |
519 |
234 |
251 |
337 |
360 |
534 |
568 |
|||
b) | Rent, taxes and lighting | 13 |
16 |
5 |
7 |
8 |
10 |
15 |
15 |
|||
c) | Printing and stationery | 5 |
6 |
2 |
4 |
4 |
3 |
7 |
7 |
|||
d) | Advertisement and publicity | - |
- |
- |
- |
- |
- |
- |
- |
|||
e) | Depreciation on Bank's property | 4 |
5 |
5 |
7 |
5 |
4 |
3 |
3 |
|||
f) | Directors' fees, allowances and expenses | - |
- |
- |
- |
- |
2 |
- |
- |
|||
g) | Auditors' fees and expenses | 2 |
2 |
- |
- |
1 |
- |
1 |
1 |
|||
h) | Law charges | - |
1 |
- |
- |
- |
1 |
- |
- |
|||
i) | Postage, telegrams, telephones, etc. | 3 |
3 |
3 |
3 |
1 |
1 |
3 |
2 |
|||
j) | Repairs and maintenance | 1 |
1 |
- |
1 |
- |
- |
2 |
3 |
|||
k) | Insurance | 7 |
8 |
4 |
5 |
12 |
6 |
1 |
1 |
|||
l) | Other expenditure | 20 |
23 |
3 |
8 |
14 |
14 |
32 |
42 |
|||
V. | Provisions and contingencies | 136 |
85 |
- |
- |
44 |
-9 |
1 |
117 |
|||
Total expenses* | 1573 |
1841 |
1053 |
1225 |
1490 |
858 |
1453 |
1722 |
||||
VI. | Profit (loss) | 24 |
151 |
219 |
275 |
-325 |
-171 |
101 |
144 |
|||
|
Total (III+IV+V+VI)
|
1733 |
2077 |
1272 |
1500 |
1205 |
1029 |
1554 |
1983 |