Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 2 of 8)

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Published on December 17, 1999

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Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 2 of 8)

								(Amount in Rs. lakh)
			For the year ended 31st March
			Bhilwara-
			Ajmer						Bikaner
			Kshetriya		Bhojpur Rohtas		Bijapur		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)
Income
I.	Interest Earned		990	1173	3672	3975	2279	2469	197	286
	a)	Interest/discount on advances/bills	577	627	570	727	1394	1319	137	171
	b)	Income on Investments	168	244	1752	1862	266	378	60	114
	c)	Interest on balances with	245	302	1350	1385	619	772	-	1
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	-	-	-	-
II.	Other income		52	51	145	288	107	112	19	28
	a)	Commission, exchange and brokerage	16	28	5	5	10	16	9	15
	b)	Other miscellaneous income	36	22	141	283	97	96	10	12
Total(I+II)			1043	1224	3817	4263	2386	2581	216	313
Expenditure & Provisions
III.	Interest expended		662	793	2409	2702	1285	1506	156	238
	a)	Interest on deposits	565	685	2308	2559	873	1116	126	184
	b)	Interest on RBI/inter-bank borrowings	97	108	101	143	84	-	-	1
	c)	Others	-	-	-	-	328	390	29	54
IV.	Operating expenses		228	262	942	1152	494	574	93	111
	a)	Payments to and provisions for employees	189	219	863	1063	419	499	78	92
	b)	Rent, taxes and lighting	9	11	12	16	6	8	3	3
	c)	Printing and stationery	5	4	10	8	8	9	1	2
	d)	Advertisement and publicity	-	-	-	-	-	-	-	-
	e)	Depreciation on Bank's property	4	4	6	6	10	11	2	2
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	1	1	2	2	1	1	-	-
	h)	Law charges	-	-	2	2	1	-	-	-
	i)	Postage, telegrams, telephones, etc.	3	4	6	5	5	6	1	1
	j)	Repairs and maintenance	3	3	2	2	-	1	-	-
	k)	Insurance	4	5	17	20	-	1	1	2
	l)	Other expenditure	9	11	23	28	44	39	7	9
V.	Provisions and contingencies		44	32	-	-	57	45	4	2
	Total expenses*		890	1055	3351	3854	1779	2080	249	347
VI.	Profit		109	137	467	408	551	456	- 37	- 36
Total (III+IV+V+VI)			1043	1224	3817	4263	2386	2581	216	313

								(Amount in Rs. lakh)
			For the year ended 31st March
			Bilaspur Raipur		Bolangir				Bundelkhand
			Kshetriya		Anchalik		Buldhana		Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)
Income
I.	Interest Earned		1571	2027	1052	1253	362	437	1982	1665
	a)	Interest/discount on advances/bills	455	599	498	543	258	302	279	309
	b)	Income on Investments	298	289	113	175	15	24	144	130
	c)	Interest on balances with	817	1139	441	536	89	111	912	1226
		RBI and other inter-bank funds
	d)	Others	-	1	-	-	-	-	647	-
II.	Other income		83	48	22	62	18	18	15	21
	a)	Commission, exchange and brokerage	23	32	21	21	11	13	14	21
	b)	Other miscellaneous income	61	16	-	41	7	5	-	-
Total(I+II)			1654	2075	1073	1316	380	455	1996	1686
Expenditure & Provisions
III.	Interest expended		1277	1181	1159	1343	210	236	1622	962
	a)	Interest on deposits	1205	1111	946	1137	150	131	927	918
	b)	Interest on RBI/inter-bank borrowings	71	70	214	205	60	44	48	44
	c)	Others	-	-	-	-	-	61	647	-
IV.	Operating expenses		706	822	828	1000	120	145	489	542
	a)	Payments to and provisions for employees	635	746	775	942	77	89	449	498
	b)	Rent, taxes and lighting	15	16	23	24	5	6	7	9
	c)	Printing and stationery	9	9	10	10	3	2	4	5
	d)	Advertisement and publicity	-	-	-	-	-	-	-	-
	e)	Depreciation on Bank's property	2	2	4	5	3	3	1	1
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	1	1	1	2	-	-	1	1
	h)	Law charges	-	1	-	-	-	-	-	1
	i)	Postage, telegrams, telephones, etc.	5	5	5	6	1	2	2	2
	j)	Repairs and maintenance	2	1	2	2	-	-	1	1
	k)	Insurance	8	9	6	7	1	1	4	6
	l)	Other expenditure	29	32	1	2	28	42	20	18
V.	Provisions and contingencies		-	32	192	47	25	42	3	37
	Total expenses*		1982	2004	1987	2343	330	381	2111	1504
VI.	Profit		- 328	38	-1106	-1075	25	29	-118	145
Total (III+IV+V+VI)			1654	2075	1073	1316	380	455	1996	1686

								(Amount in Rs. lakh)
			For the year ended 31st March
			Bundi-Chittor
			Kshetriya		Cachar		Cauvery		Chaitanya
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(65)	(66)	(67)	(68)	(69)	(70)	(71)	(72)
Income
I .	Interest Earned		951	1097	458	707	2017	2213	987	1281
	a)	Interest/discount on advances/bills	434	562	84	143	1252	1419	649	797
	b)	Income on Investments	10	29	374	564	314	362	88	94
	c)	Interest on balances with	-	506	-	-	451	433	250	390
		RBI and other inter-bank funds
	d)	Others	507	-	-	-	-	-	-	-
II.	Other income		32	43	20	171	137	150	107	172
	a)	Commission, exchange and brokerage	5	8	8	16	124	135	20	41
	b)	Other miscellaneous income	27	35	12	155	13	16	87	131
Total(I+II)			983	1140	479	878	2153	2363	1094	1453
Expenditure & Provisions
III.	Interest expended		605	783	346	465	1236	1449	640	824
	a)	Interest on deposits	490	643	319	428	990	1172	506	687
	b)	Interest on RBI/inter-bank borrowings	7	6	27	37	246	276	32	32
	c)	Others	108	134	-	-	-	-	103	105
IV.	Operating expenses		307	351	258	320	637	784	282	323
	a)	Payments to and provisions for employees	276	317	176	282	541	668	244	278
	b)	Rent, taxes and lighting	7	8	6	7	14	13	10	11
	c)	Printing and stationery	4	4	3	3	8	9	5	6
	d)	Advertisement and publicity	-	-	-	-	3	-	-	-
	e)	Depreciation on Bank's property	3	3	2	2	-	3	2	3
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	1	1	-	-	2	2	1	1
	h)	Law charges	-	-	-	-	-	1	-	1
	i)	Postage, telegrams, telephones, etc.	2	2	1	1	6	9	4	4
	j)	Repairs and maintenance	1	1	1	2	1	2	2	2
	k)	Insurance	4	2	1	-	4	-	5	6
	l)	Other expenditure	10	13	68	21	60	79	9	9
V.	Provisions and contingencies		30	-30	-	-	24	28	-	37
	Total expenses*		912	1133	604	786	1873	2233	923	1147
VI.	Profit		40	36	-125	92	256	102	171	269
Total (III+IV+V+VI)			983	1140	479	878	2153	2363	1094	1453

Note	:	*Excluding 'Provisions and Contingencies'.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.

								(Amount in Rs. lakh)
			For the year ended 31st March
			Chambal		Champaran		Chandrapur
			Kshetriya		kshetriya		Gadchiroli		Chhatrasal
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(73)	(74)	(75)	(76)	(77)	(78)	(79)	(80)
Income
I.	Interest Earned		399	739	793	1068	560	742	1137	1314
	a)	Interest/discount on advances/bills	175	405	209	282	221	287	248	269
	b)	Income on Investments	8	46	15	4	176	251	286	312
	c)	Interest on balances with	216	288	569	783	162	204	602	733
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	-	-	-	-
II.	Other income		64	84	10	49	9	34	46	42
	a)	Commission, exchange and brokerage	3	10	4	6	8	9	46	42
	b)	Other miscellaneous income	61	75	6	43	-	24	-	-
Total(I+II)			463	824	803	1118	568	776	1183	1356
Expenditure & Provisions
III.	Interest expended		368	586	963	1125	472	597	627	747
	a)	Interest on deposits	355	561	933	1088	440	550	566	680
	b)	Interest on RBI/inter-bank borrowings	13	25	-	37	1	3	61	67
	c)	Others	-	-	30	-	30	43	-	-
IV.	Operating expenses		182	214	686	791	264	296	404	453
	a)	Payments to and provisions for employees	153	180	653	755	228	263	372	405
	b)	Rent, taxes and lighting	5	7	10	11	7	7	8	18
	c)	Printing and stationery	3	3	4	4	2	5	4	5
	d)	Advertisement and publicity	-	-	-	-	-	-	-	-
	e)	Depreciation on Bank's property	3	3	2	2	2	2	2	4
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	-	-	1	1	1	1	1	1
	h)	Law charges	-	-	-	-	1	1	1	1
	i)	Postage, telegrams, telephones, etc.	1	1	1	1	1	1	3	4
	j)	Repairs and maintenance	-	-	-	-	1	1	1	1
	k)	Insurance	3	4	6	7	1	1	5	6
	l)	Other expenditure	12	15	8	10	21	14	7	8
V.	Provisions and contingencies		1	7	17	130	21	21	39	34
	Total expenses*		550	800	1649	1916	736	894	1030	1200
VI.	Profit		- 88	17	- 863	- 929	-189	-118	114	122
Total (III+IV+V+VI)			463	824	803	1118	568	776	1183	1356

								(Amount in Rs. lakh)
			For the year ended 31st March
			Chhindwara
			Seoni		Chikmagalur
			Kshetriya		Kodagu		Chitradurga		Cuttack
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(81)	(82)	(83)	(84)	(85)	(86)	(87)	(88)
Income
I.	Interest Earned		505	745	915	1101	1513	1910	1789	1981
	a)	Interest/discount on advances/bills	251	322	651	744	958	1171	539	524
	b)	Income on Investments	242	399	78	119	225	305	329	369
	c)	Interest on balances with	12	24	187	238	329	434	922	1088
		RBI and other inter-bank funds
	d)	Others	-	-	-	-	-	-	-	-
II.	Other income		38	30	44	51	66	87	87	294
	a)	Commission, exchange and brokerage	33	25	8	10	12	18	10	10
	b)	Other miscellaneous income	5	5	36	41	55	68	76	284
Total(I+II)			543	775	959	1152	1579	1997	1876	2274
Expenditure & Provisions
III.	Interest expended		479	598	477	605	862	1099	1606	1830
	a)	Interest on deposits	468	582	356	462	632	841	1440	1692
	b)	Interest on RBI/inter-bank borrowings	11	16	121	143	229	258	142	138
	c)	Others	-	-	-	-	-	-	25	-
IV.	Operating expenses		308	325	231	283	492	591	832	903
	a)	Payments to and provisions for employees	251	288	209	254	432	518	739	799
	b)	Rent, taxes and lighting	8	9	5	6	11	14	21	23
	c)	Printing and stationery	5	5	5	6	7	8	8	9
	d)	Advertisement and publicity	-	-	-	-	-	-	-	-
	e)	Depreciation on Bank's property	2	3	3	4	4	6	3	2
	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
	g)	Auditors' fees and expenses	1	1	1	1	1	1	2	2
	h)	Law charges	1	-	-	-	-	1	1	-
	i)	Postage, telegrams, telephones, etc.	2	2	2	4	6	8	8	8
	j)	Repairs and maintenance	-	-	1	1	2	3	1	1
	k)	Insurance	1	1	2	-	4	5	17	20
	l)	Other expenditure	38	16	4	8	23	25	33	39
V.	Provisions and contingencies		1	19	14	40	2	-	174	-
	Total expenses*		787	923	708	888	1354	1716	2438	2733
VI.	Profit		- 245	-167	236	224	223	281	-736	- 459
Total (III+IV+V+VI)			543	775	959	1152	1579	1997	1876	2274

								(Amount in Rs. lakh)
			For the year ended 31st March
							Dewas
			Damoh Panna		Devipatan		Shajapur
			Sagar		Kshetriya		Kshetriya		Dhenkanal
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramya Bank
			1998	1999	1998	1999	1998	1999	1998	1999
			(89)	(90)	(91)	(92)	(93)	(94)	(95)	(96)
Income
I.	Interest Earned		733	1193	1578	2120	741	1073	1101	1485
	a)	Interest/discount on advances/bills	154	221	295	340	271	441	610	727
	b)	Income on Investments	-	972	584	839	247	304	312	453
	c)	Interest on balances with	-	-	700	941	223	328	179	304
		RBI and other inter-bank funds
	d)	Others	579	-	-	-	-	-	-	-
II.	Other income		22	47	37	43	35	37	16	33
	a)	Commission, exchange and brokerage	14	24	12	21	6	7	6	9
	b)	Other miscellaneous income	8	22	26	21	29	29	11	24
Total(I+II)			755	1240	1616	2163	777	1110	1117	1518
Expenditure & Provisions
III.	Interest expended		631	750	823	1006	541	717	740	940
	a)	Interest on deposits	588	701	748	949	498	655	589	756
	b)	Interest on RBI/inter-bank borrowings	40	47	75	56	43	63	151	184
	c)	Others	3	1	-	-	-	-	-	-
IV.	Operating expenses		351	416	444	591	298	345	248	287
	a)	Payments to and provisions for employees	318	375	402	533	264	307	213	245
	b)	Rent, taxes and lighting	7	9	9	11	8	8	6	6
	c)	Printing and stationery	4	4	6	5	4	3	6	8
	d)	Advertisement and publicity	-	-	-	-	-	-	-	-
	e)	Depreciation on Bank's property	2	1	2	3	2	3	3	5
	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	2	2	2	2	3	4	4
	j)	Repairs and maintenance	-	-	1	2	1	1	-	-
	k)	Insurance	4	6	8	10	4	2	1	2
	l)	Other expenditure	13	18	14	104	13	17	14	16
V.	Provisions and contingencies		-	-	56	81	10	-	115	145
	Total expenses*		982	1166	1268	1598	839	1073	988	1227
VI.	Profit		- 226	74	292	485	-73	37	14	145
Total (III+IV+V+VI)			755	1240	1616	2163	777	1110	1117	1518