Table 51 : Earnings and Expenses of Regional Rural Banks - 1998-99 (Part 2 of 8) - RBI - Reserve Bank of India
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 |
Note | : | *Excluding 'Provisions and Contingencies'. |
- | : | Nil or negligible. |
Source | : | Annual accounts of banks. |