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Date : Jan 02, 2003

Table 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002(Part 5 of 8)


(Amount in Rs. lakh)

	For the year ended March 31

	Kshetriya Gramin		K.Kisan Gramin		Kutch Grameen		Lakhimi Gaonlia
	Bank		Bank		Bank		Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(193)	(194)	(195)	(196)	(197)	(198)	(199)	(200)

Income
I. Interest Earned	2496	2875	1155	1440	1707	2254	2213	2150
a) Interest/discount on advances/bills	981	1054	562	774	460	453	337	483
b) Income on Investments	116	126	97	66	977	1119	1876	1667
c) Interest on balances with	1399	1695	497	600	271	682	-	-
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	48	147	23	25	50	60	182	233
a) Commission, exchange and brokerage	43	85	4	6	17	31	46	55
b) Other miscellaneous income	4	62	19	19	33	29	136	178

Total (I+II)	2544	3022	1178	1465	1757	2315	2395	2383

Expenditure & Provisions
III. Interest expended	1524	1836	925	1047	1091	1319	1251	1475
a) Interest on deposits	1357	1652	835	961	961	1197	1208	1434
b) Interest on RBI/inter-bank borrowings	3	3	90	86	130	122	43	41
c) Others	164	180	-	-	-	-	-	-
IV. Operating expenses	697	856	452	452	307	410	695	831
a) Payments to and provisions for employees	619	757	383	398	269	350	603	752
b) Rent, taxes and lighting	19	20	10	12	9	12	18	19
c) Printing and stationery	9	9	4	3	5	8	8	9
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	6	9	4	4	7	8	4	4
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	2	2	1	1	1	2
h) Law charges	1	-	2	-	-	-	-	-
i) Postage, telegrams, telephones, etc.	3	4	1	1	3	4	3	3
j) Repairs and maintenance	-	1	2	-	1	1	3	2
k) Insurance	11	15	13	20	6	11	1	4
l) Other expenditure	27	40	30	11	5	16	53	36
V. Provisions and contingencies	116	110	98	67	-	-	74	9
Total expenses*	2221	2692	1377	1499	1398	1729	1946	2306
VI. Profit /loss	206	221	-297	-102	359	585	375	67

Total (III+IV+V+VI)	2544	3022	1178	1465	1757	2315	2395	2383

(Amount in Rs. lakh)

	For the year ended March 31

	Langpi Dehangi		Madhubani		Magadh Gramin		Mahakaushal
	Rural Bank		Kshetriya		Bank		Kshetriya Gramin
			Gramin Bank				Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(201)	(202)	(203)	(204)	(205)	(206)	(207)	(208)

Income
I. Interest Earned	447	417	1432	1388	5358	5382	784	989
a) Interest/discount on advances/bills	56	60	457	455	1007	790	137	187
b) Income on Investments	383	348	-	-	4351	4577	9	10
c) Interest on balances with	-	-	975	933	-	15	224	267
RBI and other inter-bank funds
d) Others	8	8	-	-	-	-	415	524
II. Other income	34	28	15	22	679	1654	67	58
a) Commission, exchange and brokerage	22	34	11	16	10	13	20	15
b) Other miscellaneous income	11	-6	4	6	669	1641	47	42

Total (I+II)	481	445	1447	1409	6037	7037	851	1046

Expenditure & Provisions
III. Interest expended	312	350	871	1061	2995	3367	781	971
a) Interest on deposits	300	339	842	1014	2873	3246	355	437
b) Interest on RBI/inter-bank borrowings	13	-	29	46	3	3	10	10
c) Others	-	11	-	-	119	119	415	524
IV. Operating expenses	266	268	529	553	907	1610	259	270
a) Payments to and provisions for employees	229	232	494	516	818	1507	238	242
b) Rent, taxes and lighting	5	6	8	10	15	18	8	8
c) Printing and stationery	4	3	3	3	8	10	2	3
d) Advertisement and publicity	-	-	-	-	-	-	-	1
e) Depreciation on Bank's property	2	2	3	3	5	5	1	2
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	1	1	3	3	1	1
h) Law charges	-	-	-	-	1	-	-	-
i) Postage, telegrams, telephones, etc.	-	1	1	2	7	9	1	1
j) Repairs and maintenance	-	1	2	2	1	1	-	-
k) Insurance	4	4	6	8	20	24	4	1
l) Other expenditure	21	19	9	7	31	32	5	11
V. Provisions and contingencies	65	-72	28	23	727	175	1	89
Total expenses*	579	618	1399	1613	3902	4977	1040	1242
VI. Profit /loss	-163	-100	20	-227	1408	1885	-190	-284

Total (III+IV+V+VI)	481	445	1447	1409	6037	7037	851	1046

(Amount in Rs. lakh)

	For the year ended March 31

	Malaprabha		Mallabhum		Malwa Gramin		Mandla Balaghat
	Gramin Bank		Gramin Bank		Bank		Kshetriya Gramin
							Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(209)	(210)	(211)	(212)	(213)	(214)	(215)	(216)

Income
I. Interest Earned	9514	10452	6503	7124	1503	1529	870	1018
a) Interest/discount on advances/bills	6434	6885	1817	2218	585	642	179	283
b) Income on Investments	1642	2034	2241	2083	242	260	48	57
c) Interest on balances with	1438	1533	81	23	677	628	643	678
RBI and other inter-bank funds
d) Others	-	-	2364	2800	-	-	-	-
II. Other income	521	775	261	335	30	33	50	87
a) Commission, exchange and brokerage	124	159	261	335	20	23	19	38
b) Other miscellaneous income	397	617	-	-	10	10	30	49

Total (I+II)	10035	11227	6764	7459	1533	1562	919	1105

Expenditure & Provisions
III. Interest expended	5285	5967	4869	5317	803	841	556	631
a) Interest on deposits	4125	4741	4729	5203	632	670	539	612
b) Interest on RBI/inter-bank borrowings	1160	1226	-	114	171	171	17	19
c) Others	-	-	139	-	-	-	-	-
IV. Operating expenses	2843	3414	1731	1943	222	288	304	338
a) Payments to and provisions for employees	2396	2887	1588	1772	184	245	269	291
b) Rent, taxes and lighting	60	68	29	35	7	8	7	8
c) Printing and stationery	27	29	13	18	3	3	3	4
d) Advertisement and publicity	1	2	-	-	-	-	-	-
e) Depreciation on Bank's property	55	57	5	6	3	3	1	2
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	7	7	4	4	1	1	1	1
h) Law charges	2	-	1	-	-	-	-	-
i) Postage, telegrams, telephones, etc.	27	34	4	5	2	3	1	2
j) Repairs and maintenance	5	18	3	5	-	1	-	1
k) Insurance	28	37	32	40	4	5	4	5
l) Other expenditure	237	273	52	58	17	20	18	25
V. Provisions and contingencies	327	926	-102	-42	-	17	38	45
Total expenses*	8128	9381	6599	7260	1025	1129	860	969
VI. Profit /loss	1580	920	266	241	509	416	21	90

Total (III+IV+V+VI)	10035	11227	6764	7459	1533	1562	919	1105

(Amount in Rs. lakh)

	For the year ended March 31

	Manipur Rural		Manjira		Marathwada		Marudhar
	Bank		Gramin Bank		Gramin Bank		Kshetriya Gramin
							Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(217)	(218)	(219)	(220)	(221)	(222)	(223)	(224)

Income
I. Interest Earned	234	225	3078	3497	4916	4867	746	908
a) Interest/discount on advances/bills	76	81	1657	1779	1965	1877	399	540
b) Income on Investments	35	69	581	752	2879	2965	11	8
c) Interest on balances with	123	76	840	967	4	3	-	4
RBI and other inter-bank funds
d) Others	-	-	-	-	67	22	336	356
II. Other income	8	26	129	224	374	592	21	48
a) Commission, exchange and brokerage	4	4	43	48	107	111	4	9
b) Other miscellaneous income	4	22	87	177	267	481	17	38

Total (I+II)	242	252	3207	3722	5290	5459	767	955

Expenditure & Provisions
III. Interest expended	122	209	1870	2094	2982	3149	785	894
a) Interest on deposits	110	192	1469	1669	2480	2679	684	781
b) Interest on RBI/inter-bank borrowings	13	17	401	425	115	121	-	-
c) Others	-	-	-	-	388	348	101	113
IV. Operating expenses	152	159	697	925	1807	2016	429	432
a) Payments to and provisions for employees	133	140	461	691	1564	1805	363	354
b) Rent, taxes and lighting	4	4	17	19	40	45	7	7
c) Printing and stationery	3	3	10	12	17	14	3	5
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	1	1	12	16	17	14	2	4
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	-	-	2	2	5	5	1	1
h) Law charges	-	-	-	-	-	1	1	1
i) Postage, telegrams, telephones, etc.	-	-	6	7	16	21	2	2
j) Repairs and maintenance	-	-	2	1	-	-	-	-
k) Insurance	1	1	11	18	19	21	4	6
l) Other expenditure	8	8	175	158	129	90	47	51
V. Provisions and contingencies	-	-	27	81	450	289	-	-
Total expenses*	274	368	2568	3019	4789	5165	1215	1325
VI. Profit /loss	-32	-116	612	622	51	5	-448	-370

Total (III+IV+V+VI)	242	252	3207	3722	5290	5459	767	955

(Amount in Rs. lakh)

	For the year ended March 31

	Marwar		Mayurakshi		Mewar Anchalik		Mithila
	Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya Gramin
							Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(225)	(226)	(227)	(228)	(229)	(230)	(231)	(232)

Income
I. Interest Earned	5643	6328	2586	3124	1902	2092	1450	1591
a) Interest/discount on advances/bills	1934	2250	806	1258	517	629	251	268
b) Income on Investments	1765	1829	-	-	334	489	47	55
c) Interest on balances with	1765	2086	997	945	943	878	1153	1268
RBI and other inter-bank funds
d) Others	178	163	784	921	107	96	-	-
II. Other income	131	261	306	185	104	100	185	230
a) Commission, exchange and brokerage	88	259	176	83	16	20	7	12
b) Other miscellaneous income	43	2	130	102	88	80	177	218

Total (I+II)	5774	6589	2892	3309	2006	2191	1635	1820

Expenditure & Provisions
III. Interest expended	4477	4686	1848	2090	1592	1683	1041	1165
a) Interest on deposits	4337	4562	1781	1996	1518	1601	1012	1135
b) Interest on RBI/inter-bank borrowings	140	125	66	94	4	2	29	30
c) Others	-	-	-	-	70	80	-	-
IV. Operating expenses	1010	1337	819	896	452	496	506	550
a) Payments to and provisions for employees	862	1217	699	815	382	412	465	508
b) Rent, taxes and lighting	20	20	14	16	18	18	6	7
c) Printing and stationery	10	13	6	7	5	6	4	5
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	5	5	2	3	9	11	2	3
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	4	4	2	2	1	1	2	1
h) Law charges	1	1	-	-	1	1	-	-
i) Postage, telegrams, telephones, etc.	1	16	1	2	5	7	1	1
j) Repairs and maintenance	12	1	1	1	1	1	1	2
k) Insurance	2	4	33	33	7	11	1	1
l) Other expenditure	94	56	60	18	24	27	24	22
V. Provisions and contingencies	25	176	70	90	22	10	14	-
Total expenses*	5487	6023	2667	2986	2044	2179	1547	1716
VI. Profit /loss	262	390	155	233	-60	3	74	104

Total (III+IV+V+VI)	5774	6589	2892	3309	2006	2191	1635	1820

(Amount in Rs. lakh)

	For the year ended March 31

	Mizoram Rural		Monghyr		Murshidabad		Muzaffarnagar
	Bank		Kshetriya Gramin		Gramin Bank		Gramin Bank
			Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(233)	(234)	(235)	(236)	(237)	(238)	(239)	(240)

Income
I. Interest Earned	682	843	2501	2906	1285	1476	737	808
a) Interest/discount on advances/bills	177	232	290	282	353	392	231	307
b) Income on Investments	114	163	459	564	508	567	290	330
c) Interest on balances with	391	449	1753	2060	423	518	217	170
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	27	46	52	89	70	96	66	171
a) Commission, exchange and brokerage	10	15	11	15	14	14	5	4
b) Other miscellaneous income	16	31	41	74	56	82	60	166

Total (I+II)	708	889	2553	2995	1354	1572	803	978

Expenditure & Provisions
III. Interest expended	355	450	1950	2128	960	1036	404	426
a) Interest on deposits	322	382	1919	2096	902	988	332	359
b) Interest on RBI/inter-bank borrowings	33	68	31	32	57	48	31	27
c) Others	-	-	-	1	-	-	42	39
IV. Operating expenses	248	351	762	826	287	337	262	229
a) Payments to and provisions for employees	201	301	715	769	240	283	223	177
b) Rent, taxes and lighting	13	14	15	16	6	6	8	9
c) Printing and stationery	4	4	5	5	3	4	2	3
d) Advertisement and publicity	-	-	1	-	-	-	-	-
e) Depreciation on Bank's property	2	2	2	3	2	2	4	5
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	2	2	1	1	1	1
h) Law charges	-	-	1	3	-	-	-	-
i) Postage, telegrams, telephones, etc.	2	2	2	3	1	1	2	3
j) Repairs and maintenance	2	2	1	1	1	-	-	1
k) Insurance	5	4	12	15	6	8	4	6
l) Other expenditure	18	22	7	9	28	33	18	25
V. Provisions and contingencies	85	53	122	97	52	77	-	12
Total expenses*	603	802	2712	2954	1247	1374	666	655
VI. Profit /loss	20	34	-281	-56	56	122	136	311

Total (III+IV+V+VI)	708	889	2553	2995	1354	1572	803	978

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