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Date : Jan 02, 2003

Table 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002(Part 4 of 8)


(Amount in Rs. lakh)

	For the year ended March 31

	Hindon Gramin Bank		Hissar-Sirsa		Howrah Gramin Bank		Indore-Ujjain
	Kshetriya Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(145)	(146)	(147)	(148)	(149)	(150)	(151)	(152)

Income
I. Interest Earned	571	588	1505	1695	2948	3501	883	969
a) Interest/discount on advances/bills	167	217	822	951	433	539	376	441
b) Income on Investments	395	361	210	194	1319	1493	113	118
c) Interest on balances with	-	2	472	550	1196	1468	395	411
RBI and other inter-bank funds
d) Others	9	9	-	-	-	-	-	-
II. Other income	41	53	57	54	167	458	21	25
a) Commission, exchange and brokerage	3	4	7	7	52	55	5	6
b) Other miscellaneous income	37	48	50	47	115	403	16	20

Total (I+II)	611	641	1562	1749	3115	3959	904	994

Expenditure & Provisions
III. Interest expended	291	309	877	1003	2279	2601	634	689
a) Interest on deposits	263	286	710	838	2207	2519	539	597
b) Interest on RBI/inter-bank borrowings	4	2	20	16	72	82	95	92
c) Others	25	21	146	149	-	-	-	-
IV. Operating expenses	120	167	333	382	487	715	219	298
a) Payments to and provisions for employees	99	138	255	303	412	630	187	261
b) Rent, taxes and lighting	3	4	11	12	21	23	10	11
c) Printing and stationery	2	2	4	7	11	7	3	5
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	3	3	6	13	6	5	3	3
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	1	1	2	2	1	1
h) Law charges	-	-	-	-	-	1	-	-
i) Postage, telegrams, telephones, etc.	2	2	3	4	4	5	2	3
j) Repairs and maintenance	1	3	2	2	2	2	1	-
k) Insurance	3	-	6	10	11	15	2	4
l) Other expenditure	7	14	44	29	18	25	11	9
V. Provisions and contingencies	-3	9	-	40	227	343	49	32
Total expenses*	412	476	1209	1385	2766	3262	853	986
VI. Profit /loss	203	155	353	323	122	299	2	-24

Total (III+IV+V+VI)	611	641	1562	1749	3115	3959	904	994

(Amount in Rs. lakh)

		For the year ended March 31

	Jaipur Nagaur Anchalik			Jammu Rural Bank		Jamnagar		Jamuna
	Gramin Bank					Gramin Bank		Gramin Bank

Items	2001		2002	2001	2002	2001	2002	2001	2002

	(153)		(154)	(155)	(156)	(157)	(158)	(159)	(160)

Income
I. Interest Earned	4874		5144	4646	5273	2176	2561	1816	2084
a) Interest/discount on advances/bills	1208		1270	550	637	1084	1237	556	506
b) Income on Investments	1973		1823	-	59	599	471	442	590
c) Interest on balances with	1694		2051	3930	4416	494	852	818	988
RBI and other inter-bank funds
d) Others	-		-	166	162	-	-	-	-
II. Other income	136		195	15	18	42	84	52	45
a) Commission, exchange and brokerage	37		43	10	12	42	62	21	17
b) Other miscellaneous income	99		152	4	6	-	22	31	28

Total (I+II)	5011		5339	4661	5291	2219	2645	1868	2129

Expenditure & Provisions
III. Interest expended	3255		3365	3141	3528	1412	1671	1221	1370
a) Interest on deposits	3034		3152	2979	3345	1172	1403	1107	1282
b) Interest on RBI/inter-bank borrowings	222		213	-	-	235	260	22	18
c) Others	-		-	162	183	4	7	92	70
IV. Operating expenses	1127		1432	756	892	342	513	316	440
a) Payments to and provisions for employees	1022		1311	668	775	302	453	268	362
b) Rent, taxes and lighting	20		22	13	15	11	13	14	15
c) Printing and stationery	17		9	8	9	7	7	1	7
d) Advertisement and publicity	-		-	1	1	-	-	-	-
e) Depreciation on Bank's property	4		7	8	10	3	8	11	23
f) Directors' fees, allowances and expenses	-		-	-	-	-	-	-	-
g) Auditors' fees and expenses	3		3	2	2	1	2	1	1
h) Law charges	1		1	3	3	-	-	-	-
i) Postage, telegrams, telephones, etc.	11		14	5	6	2	3	4	5
j) Repairs and maintenance	1		1	1	1	-	1	1	-
k) Insurance	2		4	17	21	7	10	-	-
l) Other expenditure	47		61	30	49	8	17	16	25
V. Provisions and contingencies	92		106	1	3	-	122	141	19
Total expenses*	4382		4797	3897	4420	1754	2184	1536	1810
VI. Profit /loss	537		436	762	868	465	339	190	300

Total (III+IV+V+VI)	5011		5339	4661	5291	2219	2645	1868	2129

(Amount in Rs. lakh)

		For the year ended March 31

	Jhbua Dhar			Junagadh Amreli		Ka Bank		Kakathiya
	Kshetriya Gramin			Gramin Bank		Nongkyndong		Gramin Bank
	Bank

Items	2001		2002	2001	2002	2001	2002	2001	2002

	(161)		(162)	(163)	(164)	(165)	(166)	(167)	(168)

Income
I. Interest Earned	1675		1917	1057	1118	1391	1631	1590	1859
a) Interest/discount on advances/bills	956		1139	396	474	215	254	982	1186
b) Income on Investments	95		105	373	346	578	603	32	32
c) Interest on balances with	623		673	288	298	597	774	576	641
RBI and other inter-bank funds
d) Others	-		-	-	-	-	-	-	-
II. Other income	76		68	27	27	10	80	104	90
a) Commission, exchange and brokerage	14		17	15	15	9	21	34	32
b) Other miscellaneous income	62		51	12	12	1	59	70	58

Total (I+II)	1751		1985	1084	1145	1401	1711	1694	1949

Expenditure & Provisions
III. Interest expended	1253		1328	657	691	754	845	1165	1528
a) Interest on deposits	1029		1130	546	593	701	789	1035	1319
b) Interest on RBI/inter-bank borrowings	223		198	78	95	54	56	130	209
c) Others	2		-	33	3	-	-	-	-
IV. Operating expenses	555		577	196	291	302	338	342	499
a) Payments to and provisions for employees	495		505	165	238	255	274	241	354
b) Rent, taxes and lighting	14		16	5	6	14	17	12	13
c) Printing and stationery	6		4	3	3	2	6	8	9
d) Advertisement and publicity	-		-	-	-	-	-	1	1
e) Depreciation on Bank's property	5		7	1	8	5	4	17	21
f) Directors' fees, allowances and expenses	-		-	-	-	-	-	-	-
g) Auditors' fees and expenses	3		2	1	1	1	1	1	1
h) Law charges	1		1	-	-	-	-	-	-
i) Postage, telegrams, telephones, etc.	3		5	2	2	1	1	5	5
j) Repairs and maintenance	2		2	-	-	-	1	2	2
k) Insurance	9		11	4	3	5	7	6	9
l) Other expenditure	16		24	14	29	19	27	48	84
V. Provisions and contingencies	35		19	22	7	82	142	58	242
Total expenses*	1808		1905	853	982	1057	1183	1507	2027
VI. Profit /loss	-92		62	210	155	263	387	129	-320

Total (III+IV+V+VI)	1751		1985	1084	1145	1401	1711	1694	1949

(Amount in Rs. lakh)

		For the year ended March 31

	Kalahandi Anchalika			Kalpatharu		Kamraz Gramin		Kanakadurga
	Gramin Bank			Gramin Bank		Bank		Gramin Bank

Items	2001		2002	2001	2002	2001	2002	2001	2002

	(169)		(170)	(171)	(172)	(173)	(174)	(175)	(176)

Income
I. Interest Earned	1366		1347	2011	2374	1702	1946	966	1085
a) Interest/discount on advances/bills	653		702	961	1153	282	315	530	571
b) Income on Investments	234		203	890	1060	90	176	428	514
c) Interest on balances with	479		443	18	161	1330	1454	8	-
RBI and other inter-bank funds
d) Others	-		-	142	-	-	-	-	-
II. Other income	20		88	362	250	33	24	31	37
a) Commission, exchange and brokerage	-		-	139	164	9	11	8	8
b) Other miscellaneous income	20		88	223	86	25	13	23	28

Total (I+II)	1386		1435	2373	2624	1735	1969	996	1122

Expenditure & Provisions
III. Interest expended	816		915	1310	1541	1155	1331	596	690
a) Interest on deposits	607		659	1124	1369	1095	1258	469	589
b) Interest on RBI/inter-bank borrowings	210		256	186	172	56	69	127	100
c) Others	-		-	-	-	4	5	-	-
IV. Operating expenses	468		883	559	756	576	551	204	243
a) Payments to and provisions for employees	420		839	475	650	505	473	164	196
b) Rent, taxes and lighting	12		14	23	28	13	15	8	8
c) Printing and stationery	6		5	8	9	5	8	5	5
d) Advertisement and publicity	-		1	-	-	-	-	1	-
e) Depreciation on Bank's property	2		3	5	6	5	5	5	7
f) Directors' fees, allowances and expenses	-		-	-	-	-	-	-	-
g) Auditors' fees and expenses	2		2	2	2	1	1	1	1
h) Law charges	-		-	-	-	1	1	-	-
i) Postage, telegrams, telephones, etc.	5		5	7	8	1	2	4	5
j) Repairs and maintenance	1		1	3	4	1	-	2	2
k) Insurance	4		6	11	4	9	11	2	7
l) Other expenditure	17		8	24	43	35	36	13	10
V. Provisions and contingencies	85		442	3	47	-	-	-	-
Total expenses*	1285		1798	1869	2297	1731	1882	800	932
VI. Profit /loss	17		-806	500	280	4	87	197	190

Total (III+IV+V+VI)	1386		1435	2373	2624	1735	1969	996	1122

(Amount in Rs. lakh)

		For the year ended March 31

	Kanpur Kshetriya			Kapurthala Firozpur		Kashi Gramin Bank		Kisan Gramin
	Gramin Bank			Kshetriya Gramin				Bank
				Bank

Items	2001		2002	2001	2002	2001	2002	2001	2002

	(177)		(178)	(179)	(180)	(181)	(182)	(183)	(184)

Income
I. Interest Earned	3770		4334	1222	1687	3352	3939	1275	1392
a) Interest/discount on advances/bills	811		1013	349	479	804	1027	404	566
b) Income on Investments	2858		1371	565	856	1587	1919	187	155
c) Interest on balances with	101		1950	307	352	958	993	684	672
RBI and other inter-bank funds
d) Others	-		-	-	-	3	1	-	-
II. Other income	151		233	109	85	163	348	82	182
a) Commission, exchange and brokerage	72		38	8	20	35	51	26	33
b) Other miscellaneous income	79		195	101	65	128	297	56	149

Total (I+II)	3921		4567	1330	1772	3515	4287	1357	1574

Expenditure & Provisions
III. Interest expended	2589		2645	689	876	2202	2482	640	660
a) Interest on deposits	2396		2462	620	781	2112	2375	529	560
b) Interest on RBI/inter-bank borrowings	-		-	69	95	1	2	59	64
c) Others	193		183	-	-	89	105	52	36
IV. Operating expenses	965		1201	343	367	628	874	401	541
a) Payments to and provisions for employees	829		1071	296	306	524	754	357	470
b) Rent, taxes and lighting	26		28	7	11	21	24	10	11
c) Printing and stationery	9		10	4	5	4	6	4	4
d) Advertisement and publicity	-		-	-	-	-	-	-	-
e) Depreciation on Bank's property	11		12	8	8	10	12	5	7
f) Directors' fees, allowances and expenses	-		-	-	-	-	-	-	-
g) Auditors' fees and expenses	2		3	1	1	2	2	1	1
h) Law charges	1		1	-	1	1	1	1	-
i) Postage, telegrams, telephones, etc.	5		7	4	4	4	5	3	5
j) Repairs and maintenance	1		2	1	2	2	2	2	2
k) Insurance	17		21	1	1	16	20	-	1
l) Other expenditure	63		46	20	27	43	48	20	41
V. Provisions and contingencies	32		29	73	24	105	22	114	56
Total expenses*	3554		3845	1032	1243	2830	3357	1041	1201
VI. Profit /loss	335		692	225	505	580	909	203	317

Total (III+IV+V+VI)	3921		4567	1330	1772	3515	4287	1357	1574

(Amount in Rs. lakh)

		For the year ended March 31

	Kolar Gramin Bank			Koraput Panchabati		Kosi Kshetriya		Krishna
				Gramin Bank		Gramin Bank		Grameen Bank

Items	2001		2002	2001	2002	2001	2002	2001	2002

	(185)		(186)	(187)	(188)	(189)	(190)	(191)	(192)

Income
I. Interest Earned	1971		1968	2418	2279	2901	3742	4187	4272
a) Interest/discount on advances/bills	1094		1114	922	969	710	1071	2679	2901
b) Income on Investments	872		850	1405	1290	75	179	844	781
c) Interest on balances with	5		4	-	-	2115	2492	664	589
RBI and other inter-bank funds
d) Others	-		-	91	20	-	-	-	-
II. Other income	120		313	25	34	368	374	104	296
a) Commission, exchange and brokerage	37		46	-	-	146	139	103	104
b) Other miscellaneous income	83		268	25	34	222	235	1	192

Total (I+II)	2091		2281	2443	2313	3269	4116	4290	4568

Expenditure & Provisions
III. Interest expended	1104		1157	1543	1733	1899	2322	2464	2478
a) Interest on deposits	940		1017	1269	1440	1833	2198	1911	1989
b) Interest on RBI/inter-bank borrowings	163		140	-	293	65	124	552	488
c) Others	-		-	274	-	-	-	1	1
IV. Operating expenses	509		702	698	845	1116	1211	778	1233
a) Payments to and provisions for employees	435		622	649	796	968	1054	665	1031
b) Rent, taxes and lighting	17		19	13	14	18	19	19	21
c) Printing and stationery	7		9	10	9	13	14	10	10
d) Advertisement and publicity	-		-	-	-	1	-	-	-
e) Depreciation on Bank's property	7		6	5	8	6	6	6	8
f) Directors' fees, allowances and expenses	-		-	-	-	-	-	-	-
g) Auditors' fees and expenses	2		2	2	2	4	5	3	3
h) Law charges	1		1	1	-	1	-	-	1
i) Postage, telegrams, telephones, etc.	7		8	4	5	4	5	6	9
j) Repairs and maintenance	1		1	1	1	1	1	1	1
k) Insurance	7		8	7	12	14	15	16	73
l) Other expenditure	26		26	6	-3	87	91	50	76
V. Provisions and contingencies	90		-71	24	135	2	26	85	435
Total expenses*	1613		1859	2241	2578	3015	3534	3241	3711
VI. Profit /loss	388		494	178	-400	252	557	964	423

Total (III+IV+V+VI)	2091		2281	2443	2313	3269	4116	4290	4568

* : Excluding ‘Provisions and Contingencies’.
Source : Annual accounts of banks of respective years.