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Date : Jan 02, 2003

Table 55: Earnings and Expenses of Regional Rural Banks: 2000-2001 and 2001-2002(Part 7 of 8)


(Amount in Rs. lakh)

	For the year ended March 31

	Ratlam Mandsaur		Ratnagiri Sindhudurg		Rayalaseema		Rewa Sidhi
	Kshetriya Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(289)	(290)	(291)	(292)	(293)	(294)	(295)	(296)

Income
I. Interest Earned	1335	1426	981	914	6766	7666	3095	3291
a) Interest/discount on advances/bills	341	372	443	411	4131	4791	644	691
b) Income on Investments	966	1039	338	254	140	631	1024	1088
c) Interest on balances with	27	15	199	247	2495	2245	1425	1511
RBI and other inter-bank funds
d) Others	-	-	2	1	-	-	2	1
II. Other income	44	56	25	38	305	1105	39	81
a) Commission, exchange and brokerage	32	29	3	4	108	111	10	13
b) Other miscellaneous income	12	27	22	35	196	994	29	68

Total (I+II)	1379	1482	1006	952	7071	8771	3134	3372

Expenditure & Provisions
III. Interest expended	907	945	672	754	4173	4897	1930	1993
a) Interest on deposits	829	882	624	688	3553	4433	1850	1899
b) Interest on RBI/inter-bank borrowings	78	63	48	66	621	463	80	94
c) Others	-	-	-	-	-	-	-	-
IV. Operating expenses	275	344	272	321	1676	2042	641	938
a) Payments to and provisions for employees	231	295	227	264	1451	1760	546	777
b) Rent, taxes and lighting	13	14	12	15	39	47	17	23
c) Printing and stationery	5	4	4	9	21	28	14	15
d) Advertisement and publicity	-	-	-	-	-	-	1	2
e) Depreciation on Bank's property	8	13	9	9	21	27	6	10
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	2	2	4	5	2	1
h) Law charges	-	-	-	-	1	1	1	1
i) Postage, telegrams, telephones, etc.	1	1	2	2	22	31	5	6
j) Repairs and maintenance	-	-	1	1	1	1	2	3
k) Insurance	5	6	4	3	22	38	13	14
l) Other expenditure	11	9	11	15	93	104	34	86
V. Provisions and contingencies	79	22	5	12	119	276	-96	32
Total expenses*	1182	1289	944	1075	5849	6939	2571	2931
VI. Profit /loss	118	171	57	-135	1102	1557	659	408

Total (III+IV+V+VI)	1379	1482	1006	952	7071	8771	3134	3372

(Amount in Rs. lakh)

	For the year ended March 31

	Rushikulya		Sabarkantha-Gandhinagar		Sagar Gramin Bank		Sahyadri Gramin Bank
	Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(297)	(298)	(299)	(300)	(301)	(302)	(303)	(304)

Income
I. Interest Earned	2918	3329	1146	1359	4752	5571	1051	1181
a) Interest/discount on advances/bills	947	1029	302	364	747	1105	604	715
b) Income on Investments	1971	2298	383	442	2290	2199	201	302
c) Interest on balances with	-	-	461	554	1715	2267	246	164
RBI and other inter-bank funds
d) Others	-	3	-	-	-	-	-	-
II. Other income	245	163	35	32	87	86	57	174
a) Commission, exchange and brokerage	29	27	24	23	79	81	15	16
b) Other miscellaneous income	216	136	11	8	8	5	42	158

Total (I+II)	3162	3492	1182	1391	4840	5658	1108	1355

Expenditure & Provisions
III. Interest expended	2105	2371	779	900	3457	3981	625	721
a) Interest on deposits	1927	2181	686	812	3376	3852	438	497
b) Interest on RBI/inter-bank borrowings	178	190	87	83	-	-	187	224
c) Others	-	-	6	5	81	130	-	-
IV. Operating expenses	549	654	166	221	1007	1306	195	329
a) Payments to and provisions for employees	490	590	138	194	883	1184	160	285
b) Rent, taxes and lighting	16	16	7	8	40	42	9	10
c) Printing and stationery	11	6	5	3	11	12	4	2
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	6	6	5	5	6	6	4	4
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	2	2	1	1	3	3	1	1
h) Law charges	1	1	-	-	1	1	-	-
i) Postage, telegrams, telephones, etc.	5	5	2	1	3	5	3	4
j) Repairs and maintenance	3	2	-	1	1	2	1	2
k) Insurance	10	12	5	5	25	29	-	2
l) Other expenditure	6	14	3	3	34	23	12	19
V. Provisions and contingencies	202	159	20	23	-127	-142	37	43
Total expenses*	2654	3024	945	1121	4463	5287	819	1049
VI. Profit /loss	306	309	216	247	503	512	252	263

Total (III+IV+V+VI)	3162	3492	1182	1391	4840	5658	1108	1355

(Amount in Rs. lakh)

	For the year ended March 31

	Samastipur		Samyukt		Sangameshwar		Santhal Parganas
	Kshetriya Gramin Bank		Kshetriya Gramin Bank		Gramin Bank		Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(305)	(306)	(307)	(308)	(309)	(310)	(311)	(312)

Income
I. Interest Earned	1918	1979	8757	9389	2488	2953	2436	2611
a) Interest/discount on advances/bills	381	465	936	999	1448	1599	309	359
b) Income on Investments	367	314	5893	3421	513	530	475	375
c) Interest on balances with	1171	1200	1918	4965	528	824	1652	1877
RBI and other inter-bank funds
d) Others	-	-	10	4	-	-	-	-
II. Other income	85	121	128	110	253	236	112	130
a) Commission, exchange and brokerage	51	69	32	44	74	77	13	50
b) Other miscellaneous income	34	52	97	67	179	159	99	80

Total (I+II)	2004	2100	8885	9500	2741	3189	2548	2742

Expenditure & Provisions
III. Interest expended	1325	1504	5082	5527	1417	1865	1684	1806
a) Interest on deposits	1227	1415	4988	5427	1150	1531	1610	1742
b) Interest on RBI/inter-bank borrowings	87	80	4	4	267	334	74	64
c) Others	12	9	91	96	-	-	-	-
IV. Operating expenses	531	691	1823	2026	542	665	690	1005
a) Payments to and provisions for employees	451	611	1527	1716	465	555	625	938
b) Rent, taxes and lighting	15	18	30	39	15	16	11	11
c) Printing and stationery	8	10	12	17	8	9	7	5
d) Advertisement and publicity	-	1	1	2	-	-	-	1
e) Depreciation on Bank's property	4	5	7	31	8	9	2	2
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	2	3	4	2	2	2	2
h) Law charges	1	1	3	3	1	3	1	-
i) Postage, telegrams, telephones, etc.	2	3	8	9	6	8	2	2
j) Repairs and maintenance	2	1	2	2	-	1	1	1
k) Insurance	9	11	38	31	6	5	7	9
l) Other expenditure	38	29	192	172	31	57	31	34
V. Provisions and contingencies	17	44	-	65	57	113	-	-
Total expenses*	1856	2194	6905	7553	1959	2530	2373	2811
VI. Profit /loss	131	-139	1980	1882	725	546	175	-70

Total (III+IV+V+VI)	2004	2100	8885	9500	2741	3189	2548	2742

(Amount in Rs. lakh)

	For the year ended March 31

	Saran		Sarayu		Shahajahanpur		Shahdol
	Kshetriya Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Kshetriya Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(313)	(314)	(315)	(316)	(317)	(318)	(319)	(320)

Income
I. Interest Earned	1203	1499	1726	2089	1726	1862	810	950
a) Interest/discount on advances/bills	228	265	545	812	616	636	162	196
b) Income on Investments	11	18	1176	1272	290	281	642	742
c) Interest on balances with	965	1216	6	6	789	909	6	12
RBI and other inter-bank funds
d) Others	-	-	-	-	30	36	-	-
II. Other income	116	57	76	90	30	52	32	78
a) Commission, exchange and brokerage	7	8	76	90	30	52	12	17
b) Other miscellaneous income	109	49	-	-	-	-	20	60

Total (I+II)	1319	1556	1802	2179	1757	1914	842	1028

Expenditure & Provisions
III. Interest expended	918	1008	775	922	766	833	649	691
a) Interest on deposits	899	985	669	791	602	679	617	661
b) Interest on RBI/inter-bank borrowings	19	23	106	130	1	1	32	30
c) Others	-	-	-	-	163	153	-	-
IV. Operating expenses	369	385	257	346	262	313	269	316
a) Payments to and provisions for employees	344	353	203	272	198	226	221	223
b) Rent, taxes and lighting	4	4	11	14	7	8	7	7
c) Printing and stationery	3	4	5	8	5	5	2	2
d) Advertisement and publicity	-	-	1	1	-	-	-	-
e) Depreciation on Bank's property	1	1	9	18	5	5	2	2
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	2	2	1	2	1	1	1
h) Law charges	-	1	1	-	-	1	-	-
i) Postage, telegrams, telephones, etc.	1	1	4	5	2	3	1	2
j) Repairs and maintenance	2	2	1	1	11	9	-	-
k) Insurance	7	8	7	9	5	8	6	6
l) Other expenditure	6	9	13	15	27	46	29	71
V. Provisions and contingencies	68	157	15	4	-	-	-	-
Total expenses*	1286	1392	1032	1268	1028	1146	918	1007
VI. Profit /loss	-35	7	754	908	728	768	-76	21

Total (III+IV+V+VI)	1319	1556	1802	2179	1757	1914	842	1028

(Amount in Rs. lakh)

	For the year ended March 31

	Sharda		Shekhawati		Shivalik		Shivpuri Guna
	Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Kshetriya Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(321)	(322)	(323)	(324)	(325)	(326)	(327)	(328)

Income
I. Interest Earned	1506	1675	3349	3698	1912	2381	1745	1968
a) Interest/discount on advances/bills	278	386	1056	1140	470	545	523	609
b) Income on Investments	462	560	2293	2547	1213	1520	26	12
c) Interest on balances with	765	729	1	11	229	314	1197	1347
RBI and other inter-bank funds
d) Others	-	-	-	-	-	1	-	-
II. Other income	60	73	408	798	104	183	100	147
a) Commission, exchange and brokerage	59	72	22	23	7	9	45	91
b) Other miscellaneous income	1	2	386	776	97	174	55	56

Total (I+II)	1565	1748	3758	4497	2016	2564	1846	2115

Expenditure & Provisions
III. Interest expended	949	1055	2261	2554	1090	1284	1166	1279
a) Interest on deposits	912	1010	2121	2421	1000	1187	1124	1230
b) Interest on RBI/inter-bank borrowings	-	-	1	4	88	94	41	49
c) Others	36	45	140	128	2	2	-	-
IV. Operating expenses	386	565	772	1053	351	466	463	598
a) Payments to and provisions for employees	340	507	697	947	261	362	414	545
b) Rent, taxes and lighting	9	10	8	9	11	11	14	16
c) Printing and stationery	4	7	6	6	3	5	6	6
d) Advertisement and publicity	-	-	-	-	-	-	-	-
e) Depreciation on Bank's property	3	6	5	4	15	16	3	3
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	3	3	2	2	1	2
h) Law charges	-	1	2	3	1	1	-	-
i) Postage, telegrams, telephones, etc.	3	3	10	12	4	4	3	4
j) Repairs and maintenance	1	1	1	1	2	3	1	-
k) Insurance	6	8	1	2	1	2	6	7
l) Other expenditure	19	20	40	66	51	61	13	15
V. Provisions and contingencies	-	-	82	-	30	63	94	38
Total expenses*	1335	1620	3033	3606	1441	1750	1628	1876
VI. Profit /loss	231	128	642	890	545	751	123	201

Total (III+IV+V+VI)	1565	1748	3758	4497	2016	2564	1846	2115

(Amount in Rs. lakh)

	For the year ended March 31

	Sri Sathavahana		Shri Venkateshwara		Singhbhum		Siwan
	Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Kshetriya Gramin Bank

Items	2001	2002	2001	2002	2001	2002	2001	2002

	(329)	(330)	(331)	(332)	(333)	(334)	(335)	(336)

Income
I. Interest Earned	2063	2346	3169	3699	2293	2639	3141	3587
a) Interest/discount on advances/bills	1038	1205	2053	2336	510	623	322	389
b) Income on Investments	240	250	283	300	1179	1976	410	332
c) Interest on balances with	786	892	833	1063	604	39	2409	2867
RBI and other inter-bank funds
d) Others	-	-	-	-	-	-	-	-
II. Other income	95	105	148	178	45	28	30	27
a) Commission, exchange and brokerage	47	50	87	89	10	14	15	16
b) Other miscellaneous income	48	55	61	90	36	14	15	11

Total (I+II)	2158	2451	3317	3877	2339	2666	3171	3614

Expenditure & Provisions
III. Interest expended	1634	1943	2025	2521	1660	1986	1937	2147
a) Interest on deposits	1500	1785	1817	2279	1636	1956	1912	2127
b) Interest on RBI/inter-bank borrowings	134	158	208	242	22	30	25	21
c) Others	-	-	-	-	2	-	-	-
IV. Operating expenses	359	439	701	983	494	576	487	639
a) Payments to and provisions for employees	255	376	587	855	437	510	447	588
b) Rent, taxes and lighting	10	11	20	24	15	16	9	12
c) Printing and stationery	6	6	13	13	5	7	4	5
d) Advertisement and publicity	-	-	1	2	-	-	-	-
e) Depreciation on Bank's property	4	5	10	13	3	2	5	7
f) Directors' fees, allowances and expenses	-	-	-	-	-	-	-	-
g) Auditors' fees and expenses	1	1	2	2	2	2	1	1
h) Law charges	-	-	-	-	-	-	-	-
i) Postage, telegrams, telephones, etc.	3	3	14	16	3	3	1	1
j) Repairs and maintenance	1	1	6	2	1	1	1	1
k) Insurance	11	9	12	16	2	-	10	14
l) Other expenditure	67	26	34	38	28	34	10	11
V. Provisions and contingencies	-	-35	43	116	59	59	325	215
Total expenses*	1993	2382	2726	3504	2154	2562	2424	2787
VI. Profit /loss	165	105	549	257	126	45	422	612

Total (III+IV+V+VI)	2158	2451	3317	3877	2339	2666	3171	3614

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