Table 55: Earnings and Expenses of Regional Rural Banks: 1999-2000 and 2000-2001 (Part 2 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 2 of 8)

(Amount in Rs. lakh)

		For the year ended March 31

Items		Bhilwara-Ajmer		Bhojpur Rohtas		Bijapur		Bikaner		Bilaspur Raipur		Bolangir
		Kshetriya		Gramin Bank		Gramin Bank		Kshetriya		Kshetriya		Anchalik
		Gramin Bank						Gramin Bank		Gramin Bank		Gramin Bank

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

		(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)	(57)	(58)	(59)	(60)

Income
I.	Interest Earned	1510	1698	4572	5614	3284	3919	378	454	2396	2591	1353	1913
	a) Interest/discount on advances/bills	744	876	877	1003	1926	2467	210	282	657	555	567	860
	b) Income on Investments	218	201	2366	3265	516	548	166	171	288	170	51	118
	c) Interest on balances with	549	621	1329	1346	841	904	1	1	1450	1866	735	935
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	0	0	0	0	0	0

II.	Other income	68	78	529	530	151	216	29	28	203	55	38	371
	a) Commission, exchange and brokerage	35	35	9	11	20	37	14	13	189	44	38	45
	b) Other miscellaneous income	33	43	521	519	131	178	15	15	14	11	0	326

	Total (I+II)	1579	1777	5101	6144	3435	4135	406	482	2599	2646	1391	2284


Expenditure & Provisions
III.	Interest expended	986	1071	3397	3685	1827	2157	281	340	1608	1833	1609	1858
	a) Interest on deposits	850	912	3227	3486	1458	1759	217	268	1501	1726	1394	1627
	b) Interest on RBI/inter-bank borrowings	136	159	170	199	67	67	1	2	107	107	215	231
	c) Others	0	0	0	0	301	331	62	69	0	0	0	0

IV.	Operating expenses	284	413	1273	1329	638	789	117	126	865	903	1124	1135
	a) Payments to and provisions for employees	234	360	1165	1197	543	676	98	110	788	823	1058	1044
	b) Rent, taxes and lighting	11	12	16	20	10	12	3	3	17	18	26	27
	c) Printing and stationery	5	5	11	20	9	11	1	1	10	9	7	10
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	4	5	8	11	12	17	2	2	2	2	5	5
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	2	2	5	3	3	0	1	2	2	3	3
	h) Law charges	1	1	1	1	0	2	0	0	1	1	0	0
	i) Postage, telegrams, telephones, etc.	5	5	10	9	8	8	1	1	6	5	7	5
	j) Repairs and maintenance	4	4	3	3	1	1	0	0	1	1	2	2
	k) Insurance	6	7	23	27	0	0	2	2	10	5	8	10
	l) Other expenditure	12	11	35	36	51	60	8	5	29	37	7	29

V.	Provisions and contingencies	37	74	0	112	68	1	5	6	107	141	65	0

	Total expenses*	1271	1485	4670	5015	2464	2940	398	465	2473	2735	2732	2993

VI.	Profit /loss	271	218	431	1018	902	1188	4	11	19	-231	-1405	-708

	Total (III+IV+V+VI)	1579	1777	5101	6144	3435	4135	406	482	2599	2646	1391	2284

(Amount in Rs. lakh)

		For the yar ended March 31

Items		Buldhana		Bundelkhand		Bundi-Chittor		Cachar		Cauvery		Chaitanya
		Gramin Bank		Kshetriya		Kshetriya		Gramin Bank		Gramin Bank		Gramin Bank
				Gramin Bank		Gramin Bank

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

		(61)	(62)	(63)	(64)	(65)	(66)	(67)	(68)	(69)	(70)	(71)	(72)

Income
I.	Interest Earned	544	621	1900	2362	1407	1588	900	1105	2655	2853	1520	1859
	a) Interest/discount on advances/bills	401	454	424	589	752	822	215	284	1682	1807	931	1163
	b) Income on Investments	28	29	109	67	138	187	573	435	398	439	140	226
	c) Interest on balances with	115	138	1366	1706	517	579	112	110	576	606	449	470
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	0	276	0	0	0	0

II.	Other income	29	37	28	45	54	48	59	53	188	299	132	113
	a) Commission, exchange and brokerage	23	31	25	42	11	11	23	28	171	168	41	48
	b) Other miscellaneous income	7	6	3	3	44	36	36	25	17	131	91	65

	Total (I+II)	573	658	1928	2407	1461	1635	960	1159	2843	3151	1652	1972


Expenditure & Provisions
III.	Interest expended	274	328	1300	1530	1010	1140	588	683	1799	2042	1001	1272
	a) Interest on deposits	159	261	1245	1469	800	939	561	656	1468	1724	842	1064
	b) Interest on RBI/inter-bank borrowings	47	0	54	61	8	10	27	26	331	317	42	65
	c) Others	67	66	0	0	202	191	0	1	0	0	118	143

IV.	Operating expenses	162	137	570	626	375	392	239	284	805	817	424	461
	a) Payments to and provisions for employees	97	103	528	577	334	349	201	219	722	729	310	383
	b) Rent, taxes and lighting	7	8	10	10	9	10	9	10	16	19	12	14
	c) Printing and stationery	2	3	6	6	4	4	4	5	10	11	6	8
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	4	5	2	2	3	2	2	2	5	6	5	7
	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	2	2	1	1	3	3	1	1
	h) Law charges	0	0	0	1	0	0	0	0	1	0	1	0
	i) Postage, telegrams, telephones, etc.	2	2	2	1	3	3	2	2	11	10	4	5
	j) Repairs and maintenance	0	1	1	1	1	1	1	1	1	2	2	3
	k) Insurance	2	2	8	9	5	6	0	0	1	1	7	8
	l) Other expenditure	47	12	12	17	14	15	19	43	36	35	76	31

V.	Provisions and contingencies	20	70	0	0	26	26	0	0	37	95	0	73

	Total expenses*	435	464	1870	2156	1386	1532	827	967	2605	2858	1425	1733

VI.	Profit /loss	118	125	58	250	49	77	133	192	202	197	226	166

	Total (III+IV+V+VI)	573	658	1928	2407	1461	1635	960	1159	2843	3151	1652	1972

(Amount in Rs. lakh)

		For the year ended March 31

		Chambal		Champaran		Chandrapur		Chhatrasal		Chhindwara		Chikmagalur
Items		Kshetriya		Kshetriya		Gadchiroli		Gramin Bank		Seoni Kshetriya		Kodagu
		Gramin Bank		Gramin Bank		Gramin Bank				Gramin Bank		Gramin Bank

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

		(73)	(74)	(75)	(76)	(77)	(78)	(79)	(80)	(81)	(82)	(83)	(84)

Income
I.	Interest Earned	1075	1346	1321	1833	1027	1239	1500	1628	1028	1206	1298	1338
	a) Interest/discount on advances/bills	529	617	392	710	401	471	344	425	425	503	884	895
	b) Income on Investments	44	98	3	18	246	317	323	403	538	70	131	123
	c) Interest on balances with	502	631	926	1105	380	452	833	800	65	633	283	320
	RBI and other inter-bank funds
	d) Others	0	0	0	0	0	0	0	0	0	0	0	0

II.	Other income	53	53	240	174	89	47	52	68	62	47	60	61
	a) Commission, exchange and brokerage	32	34	8	12	14	16	52	67	47	38	14	13
	b) Other miscellaneous income	20	19	231	162	75	31	0	1	15	9	47	48

	Total (I+II)	1127	1399	1561	2007	1116	1287	1551	1696	1090	1253	1358	1399


Expenditure & Provisions
III.	Interest expended	841	990	1286	1590	711	816	860	938	705	793	732	794
	a) Interest on deposits	755	886	1236	1486	661	775	779	867	686	771	566	621
	b) Interest on RBI/inter-bank borrowings	86	104	0	0	0	10	82	71	19	22	166	172
	c) Others	0	0	50	103	50	31	0	0	0	0	0	0

IV.	Operating expenses	227	251	858	900	360	398	468	483	350	371	276	336
	a) Payments to and provisions for employees	187	203	812	849	281	300	424	433	308	325	245	302
	b) Rent, taxes and lighting	8	11	11	14	8	9	10	10	10	11	6	7
	c) Printing and stationery	3	3	4	5	4	4	5	7	5	6	6	5
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	5	6	2	2	2	2	3	5	3	4	5	5
	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	1	1	2	2	1	2	1	2
	h) Law charges	0	0	0	0	0	1	1	1	0	0	0	1
	i) Postage, telegrams, telephones, etc.	1	2	1	2	0	1	5	5	3	3	4	5
	j) Repairs and maintenance	1	1	0	1	0	1	1	1	0	0	2	3
	k) Insurance	5	8	9	11	1	1	7	8	1	5	3	4
	l) Other expenditure	15	16	17	13	61	78	11	11	19	15	3	4

V.	Provisions and contingencies	9	55	10	14	8	0	44	18	27	61	49	92

	Total expenses*	1067	1240	2147	2490	1070	1213	1328	1421	1055	1163	1007	1130

VI.	Profit /loss	51	104	-598	-497	37	73	179	257	8	29	302	177

	Total (III+IV+V+VI)	1127	1399	1561	2007	1116	1287	1551	1696	1090	1253	1358	1399

(Amount in Rs. lakh)

		For the year ended March 31

Items		Chitradurga		Cuttack		Damoh Panna		Devipatan		Dewas Shajapur		Dhenkanal
		Gramin Bank		Gramya Bank		Sagar Kshetriya		Kshetriya		Kshetriya		Gramin Bank
						Gramin Bank		Gramin Bank		Gramin Bank

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

		(85)	(86)	(87)	(88)	(89)	(90)	(91)	(92)	(93)	(94)	(95)	(96)

Income
I.	Interest Earned	2173	2677	2329	3012	1481	1795	2527	2912	1338	1630	1847	2289
	a) Interest/discount on advances/bills	1343	1734	701	973	294	349	479	584	630	716	932	1183
	b) Income on Investments	383	428	405	497	1187	1446	955	989	317	271	642	929
	c) Interest on balances with	447	514	1221	1543	0	0	1094	1338	391	642	274	177
	RBI and other inter-bank funds
	d) Others	0	1	2	0	0	0	0	0	0	0	0	0

II.	Other income	98	129	652	438	43	50	54	65	115	49	54	52
	a) Commission, exchange and brokerage	23	27	17	45	28	32	28	20	9	8	20	26
	b) Other miscellaneous income	75	102	635	393	15	18	26	45	105	41	34	26

	Total (I+II)	2271	2807	2981	3450	1524	1845	2582	2977	1452	1678	1901	2341


Expenditure & Provisions
III.	Interest expended	1375	1629	2155	2587	951	1115	1214	1401	878	1040	1234	1538
	a) Interest on deposits	1072	1253	2007	2435	891	1062	1132	1319	792	950	992	1240
	b) Interest on RBI/inter-bank borrowings	303	376	148	152	60	54	82	82	85	89	242	298
	c) Others	0	0	0	0	0	0	0	0	1	1	0	0

IV.	Operating expenses	653	686	1035	1073	445	467	610	817	364	429	324	327
	a) Payments to and provisions for employees	575	600	915	927	383	427	557	740	317	381	272	277
	b) Rent, taxes and lighting	15	16	25	27	10	11	14	19	10	11	9	6
	c) Printing and stationery	8	8	11	11	3	4	6	7	4	4	8	5
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	6	7	2	3	1	2	7	9	2	3	7	9
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	3	3	3	4	0	1	1	2	1	2	1	1
	h) Law charges	1	2	0	0	0	0	0	0	0	0	0	0
	i) Postage, telegrams, telephones, etc.	8	10	7	10	2	2	4	4	2	2	4	4
	j) Repairs and maintenance	3	4	1	1	0	1	0	1	1	1	0	0
	k) Insurance	7	8	13	11	6	8	11	14	6	8	1	1
	l) Other expenditure	27	29	56	77	38	11	9	22	20	16	22	23

V.	Provisions and contingencies	122	108	0	0	0	0	49	61	95	49	163	195

	Total expenses*	2028	2315	3191	3660	1396	1582	1824	2218	1242	1469	1558	1865

VI.	Profit /loss	122	383	-209	-210	128	263	709	698	115	160	180	281

	Total (III+IV+V+VI)	2271	2807	2981	3450	1524	1845	2582	2977	1452	1678	1901	2341

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