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

(Amount in Rs. lakh)

		For the year ended March 31

Items		Solapur		South Malabar		Sravasthi		Sree Anantha		Sri Saraswathi		Sri Visakha
		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

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

		(337)	(338)	(339)	(340)	(341)	(342)	(343)	(344)	(345)	(346)	(347)	(348)

Income
I.	Interest Earned	618	705	6678	7868	2531	2779	3321	3857	2737	3163	5367	6010
	a) Interest/discount on advances/bills	422	481	4847	6043	729	857	1927	2238	1036	1252	2289	2717
	b) Income on Investments	112	180	663	753	729	776	1394	1619	1665	1884	3034	3257
	c) Interest on balances with	7	13	1155	1071	1073	1144	0	0	37	27	44	35
	RBI and other inter-bank funds
	d) Others	77	31	14	0	0	2	0	0	0	0	0	0

II.	Other income	34	55	536	501	436	190	157	213	70	94	145	184
	a) Commission, exchange and brokerage	4	4	532	497	161	190	45	48	57	75	107	137
	b) Other miscellaneous income	30	51	4	4	275	0	112	165	13	19	38	48

	Total (I+II)	651	760	7214	8369	2967	2969	3478	4070	2807	3258	5512	6194


Expenditure & Provisions
III.	Interest expended	401	455	3320	4008	1124	1253	1904	2149	1854	2271	3575	4031
	a) Interest on deposits	292	337	2104	2587	986	1110	1493	1727	1654	2069	3177	3563
	b) Interest on RBI/inter-bank borrowings	110	118	1215	1422	138	143	411	422	200	202	398	467
	c) Others	0	0	0	0	0	0	0	0	0	0	0	0

IV.	Operating expenses	215	240	2455	2685	608	660	662	801	480	587	1313	1374
	a) Payments to and provisions for employees	174	205	2044	2199	537	576	535	658	391	489	1191	1258
	b) Rent, taxes and lighting	9	9	71	90	16	19	16	18	18	20	47	45
	c) Printing and stationery	3	3	28	29	7	9	9	12	8	7	19	18
	d) Advertisement and publicity	0	0	2	3	0	0	2	2	0	0	2	3
	e) Depreciation on Bank's property	3	3	12	24	8	10	14	18	7	9	4	6
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	0	1	5	5	2	2	2	2	2	2	4	5
	h) Law charges	0	1	2	5	1	1	0	0	1	0	0	1
	i) Postage, telegrams, telephones, etc.	-1	3	57	60	3	4	8	8	4	4	13	13
	j) Repairs and maintenance	1	1	8	10	1	1	1	1	1	1	1	2
	k) Insurance	1	2	19	26	10	11	3	3	11	16	28	19
	l) Other expenditure	24	12	206	235	22	26	73	78	39	40	2	5

V.	Provisions and contingencies	58	28	161	201	0	90	-7	84	55	140	258	287

	Total expenses*	617	695	5775	6694	1733	1913	2567	2950	2334	2858	4888	5404

VI.	Profit /loss	-24	37	1278	1475	1234	966	918	1035	418	259	366	503

	Total (III+IV+V+VI)	651	760	7214	8369	2967	2969	3478	4070	2807	3258	5512	6194

(Amount in Rs. lakh)

		For the year ended March 31

Items		Sri Ganganagar		Srirama		Subansiri		Sultanpur		Surat-Bharuch		Surendranagar
		Kshetriya		Gramin Bank		Gaonlia		Kshetriya		Gramin Bank		Bhavnagar
		Gramin Bank				Gramin Bank		Gramin Bank				Gramin Bank

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

		(349)	(350)	(351)	(352)	(353)	(354)	(355)	(356)	(357)	(358)	(359)	(360)

Income
I.	Interest Earned	896	995	1029	1128	736	808	3611	4029	1100	1252	1060	1335
	a) Interest/discount on advances/bills	435	487	449	499	103	124	1062	1207	670	648	545	688
	b) Income on Investments	138	144	238	224	244	297	2503	2772	148	179	150	187
	c) Interest on balances with	233	278	342	404	388	382	38	42	283	425	365	460
	RBI and other inter-bank funds
	d) Others	90	86	0	0	0	4	9	8	0	0	0	0

II.	Other income	42	47	316	50	29	29	52	62	50	44	82	90
	a) Commission, exchange and brokerage	10	16	33	36	11	12	50	59	14	12	53	64
	b) Other miscellaneous income	32	31	283	14	18	17	3	3	36	31	29	26

	Total (I+II)	938	1042	1344	1178	765	838	3664	4090	1149	1296	1142	1426


Expenditure & Provisions
III.	Interest expended	602	643	660	751	419	472	2239	2573	729	820	653	929
	a) Interest on deposits	521	556	559	657	408	459	2020	2352	557	655	530	779
	b) Interest on RBI/inter-bank borrowings	81	87	101	93	11	14	220	221	168	163	97	35
	c) Others	0	0	0	0	0	0	0	0	5	1	25	115

IV.	Operating expenses	225	238	196	195	272	278	972	1088	256	292	258	294
	a) Payments to and provisions for employees	197	210	171	168	213	228	875	962	198	205	192	203
	b) Rent, taxes and lighting	6	7	6	7	8	9	16	21	11	13	14	20
	c) Printing and stationery	3	3	3	3	4	5	7	0	6	7	5	6
	d) Advertisement and publicity	0	0	0	0	0	0	0	7	1	0	0	0
	e) Depreciation on Bank's property	2	2	4	4	2	2	4	5	12	10	12	11
	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	0	1	2	2	1	1	0	1
	h) Law charges	0	0	1	1	0	0	1	1	0	0	1	0
	i) Postage, telegrams, telephones, etc.	1	2	1	1	1	1	3	4	3	2	3	3
	j) Repairs and maintenance	0	0	1	1	1	1	1	1	1	1	0	1
	k) Insurance	4	4	4	4	1	1	14	25	4	5	1	0
	l) Other expenditure	11	11	4	4	40	29	49	60	19	47	30	49

V.	Provisions and contingencies	18	18	225	51	0	0	72	284	162	141	0	0

	Total expenses*	827	881	856	945	690	750	3211	3661	986	1112	910	1222

VI.	Profit /loss	93	144	263	181	74	88	381	146	1	43	231	203

	Total (III+IV+V+VI)	938	1042	1344	1178	765	838	3664	4090	1149	1296	1142	1426

(Amount in Rs. lakh)

		For the year ended March 31

Items		Surguja		Thane		Thar Anchalik		Tripura		Tulsi		Tungabhadra
		Kshetriya		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
		Gramin Bank

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

		(361)	(362)	(363)	(364)	(365)	(366)	(367)	(368)	(369)	(370)	(371)	(372)

Income
I.	Interest Earned	1521	1764	617	745	885	1130	2032	2364	1920	2261	6065	6746
	a) Interest/discount on advances/bills	325	344	39	50	323	442	287	419	659	845	3955	4871
	b) Income on Investments	72	74	373	458	155	164	1054	1270	1256	1409	961	761
	c) Interest on balances with	1123	1346	204	236	407	524	691	675	5	7	1145	1114
	RBI and other inter-bank funds
	d) Others	1	0	0	0	0	0	0	0	0	0	4	0

II.	Other income	45	65	17	14	79	71	78	248	75	169	566	638
	a) Commission, exchange and brokerage	23	26	8	8	15	19	76	102	74	127	113	126
	b) Other miscellaneous income	22	39	9	5	64	52	2	146	1	42	454	512

	Total (I+II)	1565	1829	635	758	964	1201	2111	2612	1995	2430	6631	7384


Expenditure & Provisions
III.	Interest expended	1139	1248	339	387	699	814	2043	2325	1051	1189	3440	3722
	a) Interest on deposits	1118	1213	332	383	624	729	1775	2121	940	1054	2443	2847
	b) Interest on RBI/inter-bank borrowings	21	35	7	4	74	86	267	204	111	135	839	875
	c) Others	0	0	0	0	1	0	1	0	0	0	157	0

IV.	Operating expenses	502	497	126	132	362	369	1063	1101	579	621	1552	1654
	a) Payments to and provisions for employees	456	451	96	99	320	327	986	1010	523	554	1373	1443
	b) Rent, taxes and lighting	8	9	5	6	8	10	26	27	10	14	32	35
	c) Printing and stationery	3	4	3	5	6	4	12	12	9	10	18	21
	d) Advertisement and publicity	0	0	0	0	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	4	4	6	6	3	3	3	3	6	9	14	16
	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	0	1	1	1	2	3	2	2	7
	h) Law charges	1	0	0	0	0	0	2	2	1	2	3	3
	i) Postage, telegrams, telephones, etc.	2	2	2	2	4	4	3	4	5	5	20	21
	j) Repairs and maintenance	1	0	4	5	0	0	2	3	1	1	5	5
	k) Insurance	10	9	3	2	5	5	12	15	10	11	1	1
	l) Other expenditure	15	15	6	7	15	15	17	23	10	13	84	102

V.	Provisions and contingencies	0	23	26	34	24	12	-327	5	8	39	309	405

	Total expenses*	1641	1744	465	519	1062	1183	3106	3426	1629	1810	4992	5376

VI.	Profit /loss	-75	61	143	205	-122	5	-669	-819	357	580	1330	1603

	Total (III+IV+V+VI)	1565	1829	635	758	964	1201	2111	2612	1995	2430	6631	7384

(Amount in Rs. lakh)

		For the year ended March 31

Items		Uttar Banga		Vaishali		Vallalar		Valsad-Dangs		Varada		Vidisha Bhopal
		Kshetriya		Kshetriya		Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya
		Gramin Bank		Gramin Bank								Gramin Bank

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

		(373)	(374)	(375)	(376)	(377)	(378)	(379)	(380)	(381)	(382)	(383)	(384)

Income
I.	Interest Earned	2417	3216	2843	3576	542	623	1169	1357	919	993	843	1143
	a) Interest/discount on advances/bills	789	1215	567	684	273	302	345	431	667	758	402	574
	b) Income on Investments	659	684	3	3	248	105	382	497	252	235	101	201
	c) Interest on balances with	944	1308	2253	2717	20	216	441	428	0	0	291	322
	RBI and other inter-bank funds
	d) Others	26	9	21	172	0	0	0	0	0	0	49	46

II.	Other income	271	277	425	345	30	33	37	37	56	50	30	77
	a) Commission, exchange and brokerage	27	52	37	37	10	10	23	25	8	9	27	34
	b) Other miscellaneous income	244	225	388	308	19	23	14	12	48	41	3	44

	Total (I+II)	2688	3493	3268	3921	572	657	1206	1393	975	1043	873	1220


Expenditure & Provisions
III.	Interest expended	1789	2138	2413	2664	232	264	656	745	562	633	519	720
	a) Interest on deposits	1717	2064	2339	2591	171	200	584	687	398	458	462	623
	b) Interest on RBI/inter-bank borrowings	72	74	74	73	17	14	72	58	28	33	1	9
	c) Others	0	0	0	0	44	50	0	0	136	142	56	88

IV.	Operating expenses	1090	1136	1156	1210	130	149	243	233	215	261	138	142
	a) Payments to and provisions for employees	879	909	1094	1139	102	110	201	192	166	200	87	91
	b) Rent, taxes and lighting	20	21	17	17	5	6	9	10	8	9	14	16
	c) Printing and stationery	6	5	6	6	2	3	4	4	3	3	7	6
	d) Advertisement and publicity	1	2	0	0	0	0	0	0	2	2	0	0
	e) Depreciation on Bank's property	6	8	3	3	4	6	4	3	10	12	6	5
	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	2	2	1	1	1	1	1	1	1	1
	h) Law charges	2	2	0	0	0	0	0	1	0	0	0	0
	i) Postage, telegrams, telephones, etc.	4	5	2	2	3	3	4	5	4	6	2	2
	j) Repairs and maintenance	1	1	0	0	1	2	0	0	1	2	0	1
	k) Insurance	13	18	15	19	3	3	0	1	2	2	3	3
	l) Other expenditure	155	163	18	21	9	15	20	17	18	25	16	17

V.	Provisions and contingencies	140	155	19	26	8	28	28	83	65	85	25	68

	Total expenses*	2879	3274	3569	3874	361	413	899	978	777	894	657	862

VI.	Profit /loss	-331	64	-321	21	202	215	279	331	133	64	191	290

	Total (III+IV+V+VI)	2688	3493	3268	3921	572	657	1206	1393	975	1043	873	1220

(Amount in Rs. lakh)

		For the year ended March 31

Items		Vidur		Vindhyavasini		Visweshwaraya		Yavatmal
		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(385)	(386)	(387)	(388)	(389)	(390)	(391)	(392)

Income
I.	Interest Earned	1037	1244	1088	1229	526	646	505	656
	a) Interest/discount on advances/bills	256	367	273	377	319	417	228	254
	b) Income on Investments	193	210	295	208	109	122	99	104
	c) Interest on balances with	584	660	521	645	99	106	178	298
	RBI and other inter-bank funds
	d) Others	4	7	0	0	0	0	0	0

II.	Other income	31	81	54	50	50	62	32	22
	a) Commission, exchange and brokerage	22	68	54	49	8	12	22	10
	b) Other miscellaneous income	9	13	0	1	41	50	10	12

	Total (I+II)	1068	1325	1142	1279	576	708	537	678


Expenditure & Provisions
III.	Interest expended	495	562	693	773	326	386	274	325
	a) Interest on deposits	418	464	636	701	284	332	236	280
	b) Interest on RBI/inter-bank borrowings	65	92	58	71	8	54	0	0
	c) Others	13	6	0	0	35	0	37	45

IV.	Operating expenses	292	402	257	282	153	191	137	147
	a) Payments to and provisions for employees	262	364	222	237	132	163	117	123
	b) Rent, taxes and lighting	5	6	7	10	6	6	4	5
	c) Printing and stationery	3	3	4	5	3	6	2	3
	d) Advertisement and publicity	0	0	0	0	0	0	0	0
	e) Depreciation on Bank's property	2	4	4	6	2	4	2	2
	f) Directors' fees, allowances and expenses	0	0	0	0	0	0	0	0
	g) Auditors' fees and expenses	1	1	1	1	1	1	1	1
	h) Law charges	0	1	4	5	0	0	0	0
	i) Postage, telegrams, telephones, etc.	4	4	2	2	1	1	1	1
	j) Repairs and maintenance	1	1	0	1	0	0	0	0
	k) Insurance	0	0	7	5	2	2	2	3
	l) Other expenditure	13	18	7	10	6	7	8	8

V.	Provisions and contingencies	0	28	4	173	15	31	17	53

	Total expenses*	787	964	951	1055	479	577	410	472

VI.	Profit /loss	281	333	187	52	81	101	109	154

	Total (III+IV+V+VI)	1068	1325	1142	1279	576	708	537	678

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