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Date : Nov 20, 2000

Table 51 : Earnings and Expenses of Regional Rural Banks : 1998-99 and 1999-2000 (Part 1 of 12)

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Adhiyaman		Akola Gramin		Alaknanda		Aligarh Gramin
			Gramin Bank		Bank		Gramin Bank		Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
Income

I.	Interest Earned		577	623	330	508	752	834	3885	4512

	a)	Interest/discount on advances/bills	346	362	192	330	126	149	1333	1613

	b)	Income on Investments	48	84	-	-	101	130	1485	1508

	c)	Interest on balances with	182	177	138	178	526	0	1068	1391
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	555	-	-

II.	Other income		59	60	46	146	36	20	93	123

	a)	Commission, exchange and brokerage	11	21	13	51	7	11	53	46

	b)	Other miscellaneous income	47	40	32	95	29	9	41	77
Total (I+II)			635	683	376	655	788	853	3978	4635
Expenditure & Provisions

III.	Interest expended		281	329	268	348	497	513	2264	2688

	a)	Interest on deposits	232	265	154	270	466	472	1964	2374

	b)	Interest on RBI/inter-bank borrowings	49	65	68	-	31	41	300	314

	c)	Others	-	-	46	78	-	-	-	-

IV.	Operating expenses		147	161	230	259	211	216	680	708

	a)	Payments to and provisions for employees	119	128	199	233	167	181	605	629

	b)	Rent, taxes and lighting	5	5	7	8	5	5	17	19

	c)	Printing and stationery	3	3	2	3	2	3	7	7

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	2	3	2	2	1	2	5	5

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	1	-	1	1	1	1	2

	h)	Law charges	-	-	-	-	-	-	1	1

	i)	Postage, telegrams, telephones, etc.	4	4	1	1	1	2	5	7

	j)	Repairs and maintenance	2	2	-	-	-	1	-	-

	k)	Insurance	1	1	2	3	17	2	2	1

	l)	Other expenditure	11	14	16	9	17	19	38	37

V.	Provisions and contingencies		26	24	8	-	-	8	-	372

	Total expenses*		428	491	498	607	708	728	2944	3396

VI.	Profit (loss)		181	169	-130	47	80	117	1034	866
	Total (III+IV+V+VI)		635	683	376	655	788	853	3978	4635

								(Amount in Rs. lakh)
			For the year ended March 31
Items			Allahabad Kshetriya		Alwar Bharatpur		Ambala Kurukshetra		Aravali Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)
Income

I.	Interest Earned		2026	2637	1204	1592	1120	1278	797	992
	a)	Interest/discount on advances/bills	434	584	483	747	609	674	434	480

	b)	Income on Investments	624	601	357	402	276	292	117	149

	c)	Interest on balances with	968	1452	364	443	231	313	247	286
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	3	-	-	78

II.	Other income		76	122	33	109	30	34	45	48
	a)	Commission, exchange and brokerage	13	6	12	22	6	6	14	16

	b)	Other miscellaneous income	63	116	21	87	24	29	30	31
Total (I+II)			2102	2759	1237	1701	1150	1313	842	1040
Expenditure & Provisions
III.	Interest expended		1476	1730	895	1047	710	820	749	905
	a)	Interest on deposits	1427	1672	827	916	590	670	653	776

	b)	Interest on RBI/inter-bank borrowings	49	58	68	132	120	150	96	130

	c)	Others	-	-	-	-	-	-	-	-

IV.	Operating expenses		591	705	507	546	260	245	342	399
	a)	Payments to and provisions for employees	504	531	464	492	222	205	292	347

	b)	Rent, taxes and lighting	12	15	10	12	6	8	9	10

	c)	Printing and stationery	9	7	4	5	2	2	5	5

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	4	4	2	5	3	3	4	4

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	2	1	1	1	1	1	2

	h)	Law charges	1	-	-	-	-	1	2	3

	i)	Postage, telegrams, telephones, etc.	2	1	3	4	3	3	4	4

	j)	Repairs and maintenance	-	-	1	2	-	-	2	2

	k)	Insurance	12	14	6	7	4	1	6	6

	l)	Other expenditure	46	130	14	16	18	21	17	16

V.	Provisions and contingencies		-	59	-	-	70	71	26	65
	Total expenses*		2067	2435	1401	1593	970	1065	1091	1305
VI.	Profit (loss)		35	265	-164	108	110	176	-275	-330
	Total (III+IV+V+VI)		2102	2759	1237	1701	1150	1313	842	1040
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Arunachal Pradesh		Aurangabad Jalana		Avadh		Baitarani
			Rural Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)
Income

I.	Interest Earned		381	439	1109	1441	3848	4357	1239	1647
	a)	Interest/discount on advances/bills	335	381	485	808	598	803	489	620

	b)	Income on Investments	41	51	604	618	3211	3523	380	495

	c)	Interest on balances with	5	6	19	14	39	31	370	532
		RBI and other inter-bank funds

	d)	Others	-	-	-	-	-	-	-	-

II.	Other income		16	22	46	274	55	58	19	19
	a)	Commission, exchange and brokerage	10	9	40	106	13	16	7	7

	b)	Other miscellaneous income	6	13	6	168	42	43	12	12
Total (I+II)			397	461	1155	1715	3903	4415	1257	1666
Expenditure & Provisions
III.	Interest expended		195	218	545	767	2235	2663	1048	1293
	a)	Interest on deposits	153	169	378	540	2107	2527	924	1144

	b)	Interest on RBI/inter-bank borrowings	42	49	167	227	127	137	124	149

	c)	Others	-	-	-	-	-	-	-	-
IV.	Operating expenses		99	119	374	415	1011	846	613	616

	a)	Payments to and provisions for employees	73	90	284	322	725	767	532	572

	b)	Rent, taxes and lighting	5	6	9	14	17	23	10	12

	c)	Printing and stationery	3	3	7	8	11	13	5	4

	d)	Advertisement and publicity	-	-	-	4	-	-	-	-

	e)	Depreciation on Bank's property	1	1	7	17	15	12	2	2

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	-	1	1	2	1	3	2	2

	h)	Law charges	-	-	-	-	-	1	1	4

	i)	Postage, telegrams, telephones, etc.	1	1	4	5	1	1	2	1

	j)	Repairs and maintenance	4	1	2	2	2	4	1	1

	k)	Insurance	2	3	4	4	21	11	10	9

	l)	Other expenditure	9	12	57	37	216	13	49	9

V.	Provisions and contingencies		84	69	75	-	205	179	-	-78
	Total expenses*		294	337	919	1182	3245	3510	1660	1909
VI.	Profit (loss)		19	55	161	533	453	726	-403	-165
	Total (III+IV+V+VI)		397	461	1155	1715	3903	4415	1257	1666
								(Amount in Rs. lakh)
			For the year ended March 31
Items			Balasore Gramya		Ballia Kshetriya		Banaskantha Mehsana		Bara Banki
			Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000	1999	2000
			(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)
Income

I.	Interest Earned		274	373	2545	2823	1179	1683	2462	2684
	a)	Interest/discount on advances/bills	171	207	453	516	424	693	367	501

	b)	Income on Investments	-	-	2025	2281	321	619	1444	1517

	c)	Interest on balances with	103	166	-	-	421	356	609	629
		RBI and other inter-bank funds

	d)	Others	-	-	67	26	14	15	43	37

II.	Other income		26	30	259	112	73	101	35	33
	a)	Commission, exchange and brokerage	4	5	24	35	7	10	23	21

	b)	Other miscellaneous income	23	25	235	77	66	90	12	10
Total (I+II)			300	404	2804	2936	1252	1783	2498	2715
Expenditure & Provisions
III.	Interest expended		694	693	1547	1835	900	1215	1385	1629
	a)	Interest on deposits	599	577	1467	1704	780	1053	1300	1520

	b)	Interest on RBI/inter-bank borrowings	10	10	81	3	120	162	85	109

	c)	Others	85	106	-	128	-	-	-	-

IV.	Operating expenses		426	464	536	567	425	532	603	654
	a)	Payments to and provisions for employees	393	420	497	517	385	400	552	604

	b)	Rent, taxes and lighting	10	10	8	9	8	8	10	11

	c)	Printing and stationery	4	3	4	4	4	5	6	6

	d)	Advertisement and publicity	-	-	-	-	-	-	-	-

	e)	Depreciation on Bank's property	2	1	2	2	2	4	3	3

	f)	Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-

	g)	Auditors' fees and expenses	1	1	1	2	2	2	1	2

	h)	Law charges	-	-	-	-	-	1	-	-

	i)	Postage, telegrams, telephones, etc.	1	2	2	2	2	3	3	3

	j)	Repairs and maintenance	-	-	-	-	2	4	1	1

	k)	Insurance	2	11	-	10	-	-	1	-

	l)	Other expenditure	13	15	23	21	21	105	26	24

V.	Provisions and contingencies		135	80	-	-	-	-	69	-34
	Total expenses*		1120	1157	2083	2402	1325	1747	2057	2283
VI.	Profit (loss)		-955	-834	721	534	-73	37	371	467
	Total (III+IV+V+VI)		300	404	2804	2936	1252	1783	2498	2715