Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 1 of 8)

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Published on December 31, 2001

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Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 1 of 8)

(Amount in Rs. lakh)

		For the year ended March 31

		Adhiyaman		Akola Gramin		Alaknanda		Aligarh Gramin		Allahabad		Alwar Bharatpur
	Items	Gramin Bank		Bank		Gramin Bank		Bank		Kshetriya		Gramin Bank
										Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)

Income
I.	Interest Earned	623	758	508	733	834	1031	4512	4920	2637	3057	1592	2096
	a) Interest/discount on advances/bills	362	436	330	494	149	210	1613	1780	584	659	747	1103
	b) Income on Investments	84	120	0	0	130	167	1508	1284	601	527	402	678
	c) Interest on balances with	177	202	178	238	555	654	1391	1856	1452	1863	443	315
	RBI and other inter-bank funds
	d) Others	0	1	0	0	0	0	0	0	0	9	0	0

II.	Other income	60	43	146	141	20	33	123	121	122	144	109	193
	a) Commission, exchange and brokerage	21	17	51	61	11	15	46	39	6	28	22	44
	b) Other miscellaneous income	40	27	95	80	9	18	77	83	116	117	87	149

	Total (I+II)	683	801	655	873	853	1063	4635	5042	2759	3201	1701	2289


Expenditure & Provisions
III.	Interest expended	329	408	348	430	513	681	2688	2958	1730	1993	1047	1297
	a) Interest on deposits	265	312	270	324	472	643	2374	2710	1672	1929	916	1082
	b) Interest on RBI/inter-bank borrowings	65	96	0	0	41	38	314	248	58	64	132	215
	c) Others	0	0	78	105	0	0	0	0	0	0	0	0

IV.	Operating expenses	161	175	259	267	216	243	708	746	705	729	546	580
	a) Payments to and provisions for employees	128	148	233	238	181	201	629	671	531	640	492	500
	b) Rent, taxes and lighting	5	6	8	8	5	6	19	21	15	16	12	15
	c) Printing and stationery	3	4	3	3	3	3	7	4	7	8	5	6
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	3	4	2	2	2	1	5	4	4	5	5	9
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	1	1	1	1	1	2	3	2	2	1	3
	h) Law charges	0	0	0	0	0	0	1	2	0	1	0	0
	i) Postage, telegrams, telephones, etc.	4	1	1	1	2	2	7	8	1	2	4	6
	j) Repairs and maintenance	2	2	0	0	1	1	0	1	0	0	2	4
	k) Insurance	1	1	3	4	2	4	1	2	14	16	7	9
	l) Other expenditure	14	8	9	9	19	22	37	31	130	39	16	28

V.	Provisions and contingencies	24	32	0	44	8	0	372	168	59	74	0	0
	Total expenses*	491	583	607	697	728	924	3396	3705	2435	2722	1593	1877
VI.	Profit /loss	169	187	47	133	117	139	866	1169	265	405	108	413

	Total (III+IV+V+VI)	683	801	655	873	853	1063	4635	5042	2759	3201	1701	2289

(Amount in Rs. lakh)

		For the year ended March 31

Items		Ambala		Aravali		Arunachal		Aurangabad		Avadh		Baitarani
		Kurukshetra		Kshetriya		Pradesh		Jalana		Gramin Bank		Gramin Bank
		Gramin Bank		Gramin Bank		Rural Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(13)	(14)	(15)	(16)	(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

Income
I.	I. Interest Earned	1278	1372	992	1067	439	444	1441	2074	4357	5164	1647	2266
	a) Interest/discount on advances/bills	674	729	480	526	381	403	808	1136	803	987	620	946
	b) Income on Investments	292	259	149	94	51	35	618	836	3523	4122	495	520
	c) Interest on balances with	313	385	286	362	6	6	14	102	31	55	532	800
	RBI and other inter-bank funds
	d) Others	0	0	78	85	0	0	0	0	0	0	0	0

II.	Other income	34	50	48	60	22	22	274	74	58	82	19	52
	a) Commission, exchange and brokerage	6	6	16	21	9	10	106	57	16	21	7	10
	b) Other miscellaneous income	29	44	31	39	13	12	168	16	43	61	12	42

	Total (I+II)	1313	1422	1040	1127	461	467	1715	2148	4415	5246	1666	2318


Expenditure & Provisions
III.	Interest expended	820	867	905	966	218	266	767	1112	2663	3022	1293	1565
	a) Interest on deposits	670	715	776	849	169	211	540	785	2527	2895	1144	1368
	b) Interest on RBI/inter-bank borrowings	150	151	130	117	49	56	227	327	137	127	149	197
	c) Others	0	0	0	0	0	0	0	0	0	0	0	0

IV.	Operating expenses	245	336	399	527	119	125	415	496	846	1093	616	649
	a) Payments to and provisions for employees	205	274	347	474	90	92	322	367	767	945	572	597
	b) Rent, taxes and lighting	8	8	10	11	6	8	14	18	23	27	12	12
	c) Printing and stationery	2	3	5	5	3	4	8	18	13	24	4	2
	d) Advertisement and publicity	0	0	0	0	0	0	4	7	0	0	0	0
	e) Depreciation on Bank's property	3	5	4	3	1	2	17	30	12	45	2	0
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	1	2	1	1	1	2	2	3	3	2	3
	h) Law charges	1	2	3	1	0	0	0	0	1	1	4	0
	i) Postage, telegrams, telephones, etc.	3	3	4	4	1	1	5	6	1	3	1	3
	j) Repairs and maintenance	0	1	2	1	1	0	2	2	4	5	1	1
	k) Insurance	1	11	6	6	3	5	4	5	11	22	9	11
	l) Other expenditure	21	28	16	19	12	12	37	40	13	17	9	19

V.	Provisions and contingencies	71	40	65	107	69	255	0	64	179	99	-78	1

	Total expenses*	1065	1202	1305	1493	337	391	1182	1608	3510	4114	1909	2214

VI.	Profit /loss	176	180	-330	-473	55	-179	533	476	726	1033	-165	103

	Total (III+IV+V+VI)	1313	1422	1040	1127	461	467	1715	2148	4415	5246	1666	2318

(Amount in Rs. lakh)

		For the year ended March 31

Items		Balasore		Ballia Kshetriya		Banaskantha		Bara Banki		Bardhaman		Bareilly
		Gramya Bank		Gramin Bank		Mehsana		Gramin Bank		Gramin Bank		Kshetriya
						Gramin Bank						Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)	(33)	(34)	(35)	(36)

Income
I.	Interest Earned	373	476	2823	3136	1683	2125	2684	2951	3391	3799	1988	2278
	a) Interest/discount on advances/bills	207	220	516	494	693	943	501	588	668	802	700	830
	b) Income on Investments	0	3	2281	2625	619	872	1517	1591	892	769	1273	1425
	c) Interest on balances with	166	253	0	0	356	308	629	734	1832	2228	16	22
	RBI and other inter-bank funds
	d) Others	0	0	26	17	15	2	37	38	0	0	0	0

II.	Other income	30	23	112	125	101	98	31	79	204	221	90	87
	a) Commission, exchange and brokerage	5	6	36	37	10	16	21	27	37	26	17	24
	b) Other miscellaneous income	25	16	77	89	90	82	10	52	168	195	73	64

	Total (I+II)	404	499	2935	3261	1783	2223	2715	3031	3596	4020	2078	2365


Expenditure & Provisions
III.	Interest expended	693	882	1835	2033	1215	1527	1629	1771	2672	3040	1027	1148
	a) Interest on deposits	577	865	1704	1894	1053	1296	1520	1666	2590	2953	886	988
	b) Interest on RBI/inter-bank borrowings	10	1	3	2	162	231	109	105	82	86	0	8
	c) Others	106	16	128	137	0	0	0	0	0	0	141	151

IV.	Operating expenses	464	464	567	617	532	515	654	763	666	721	547	646
	a) Payments to and provisions for employees	420	418	517	567	400	446	604	705	600	648	486	576
	b) Rent, taxes and lighting	10	11	9	9	8	10	11	11	16	19	15	16
	c) Printing and stationery	3	4	4	4	5	6	6	6	8	8	6	7
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	1	2	2	2	4	4	3	3	3	3	3	4
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	1	2	2	2	2	2	2	2	2	1	2
	h) Law charges	0	0	0	0	1	1	0	0	0	0	1	1
	i) Postage, telegrams, telephones, etc.	2	2	2	3	3	4	3	2	3	3	3	3
	j) Repairs and maintenance	0	0	0	0	4	3	1	1	1	1	7	8
	k) Insurance	11	7	10	12	0	1	0	2	6	15	10	11
	l) Other expenditure	15	20	21	18	105	39	24	31	25	23	15	21

V.	Provisions and contingencies	80	79	0	0	0	0	-34	-10	157	191	0	60

	Total expenses*	1157	1346	2402	2650	1747	2042	2283	2535	3338	3761	1574	1794

VI.	Profit /loss	-834	-926	534	611	37	182	467	506	100	68	504	511


	Total (III+IV+V+VI)	404	499	2936	3261	1783	2223	2715	3031	3596	4020	2078	2365

(Amount in Rs. lakh)

		For the year ended March 31

Items		Bastar Kshetriya		Basti		Begusarai		Bhagalpur Banka		Bhagirath		Bhandara
		Gramin Bank		Gramin Bank		Kshetriya		Kshetriya		Gramin Bank		Gramin Bank
						Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001	2000	2001	2000	2001

		(37)	(38)	(39)	(40)	(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)

Income
I.	Interest Earned	522	596	3376	3679	485	608	613	1327	4307	4552	814	924
	a) Interest/discount on advances/bills	172	205	518	600	66	80	184	168	666	761	384	468
	b) Income on Investments	10	10	2805	3021	416	526	425	1154	3636	3787	99	134
	c) Interest on balances with	340	381	53	58	3	2	0	5	5	4	331	322
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	4	0	0	0	0	0

II.	Other income	8	36	44	56	26	70	14	61	147	247	46	36
	a) Commission, exchange and brokerage	8	14	41	52	3	13	8	6	146	246	1	5
	b) Other miscellaneous income	0	22	3	5	23	57	6	55	1	0	45	32

	Total (I+II)	530	632	3420	3736	510	678	627	1388	4454	4799	860	960


Expenditure & Provisions
III.	Interest expended	561	644	1523	1986	289	332	512	1152	1806	1969	593	685
	a) Interest on deposits	538	624	1380	1855	277	323	486	544	1645	1804	538	615
	b) Interest on RBI/inter-bank borrowings	23	21	142	131	12	9	26	603	161	165	56	71
	c) Others	0	0	1	0	0	0	0	4	0	0	0	0

IV.	Operating expenses	406	424	614	663	99	131	139	145	802	866	266	283
	a) Payments to and provisions for employees	381	393	544	581	86	116	114	114	713	764	235	242
	b) Rent, taxes and lighting	6	6	11	14	3	4	8	7	21	26	8	9
	c) Printing and stationery	4	4	7	8	2	1	2	2	9	11	3	6
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	1	1	3	5	2	2	3	2	7	7	3	4
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	1	1	2	0	0	1	1	2	2	1	1
	h) Law charges	1	0	2	2	0	0	0	0	2	2	0	0
	i) Postage, telegrams, telephones, etc.	1	2	3	3	1	1	1	1	3	4	1	1
	j) Repairs and maintenance	1	1	2	2	1	0	0	0	3	4	0	0
	k) Insurance	12	14	6	11	2	3	4	5	16	18	0	5
	l) Other expenditure	2	2	35	34	2	2	6	13	26	28	14	15

V.	Provisions and contingencies	8	0	18	46	75	0	97	8	224	33	0	16

	Total expenses*	967	1069	2136	2649	388	463	651	1297	2608	2836	858	968

VI.	Profit /loss	-446	-437	1265	1041	47	216	-121	83	1622	1930	2	-24

	Total (III+IV+V+VI)	530	632	3420	3736	510	678	627	1388	4454	4799	860	960

*: Excluding `Provisions and Contingencies'
Source : Annual accounts of banks of respective years.