The Operational and Structural System of Regional Rural Banks in Financing Agriculture in Bareilly

Abstract

A majority (i.e., 30%) of respondent’s annual income has been fall in range of below 1,00,000. Collected data shows that 92.45 per cent of incomes come from interest earned and of the Bank in the ending year 2020 as against last year’s position of 94.15 per cent while in ending year 2021, 90.49 per cent income comes from interest earned. Other income contributed 9.51 per cent of the total income during the ending year 2021 as against the last two years 2020 and 2019, figure of 7.55 per cent and 5.85 per cent. Rs. 1126.78 crores (51.56 per cent) of the amount were disbursed by the bank in ending 2021 on interest on deposits and the Reserve Bank of India compared to the disbursements of the last two years (2020 and 2019) on those paid interest of Rs. 1054.21 (51.38 per cent) crores and Rs.964.58 crores (50.03 per cent). The second major expense of the bank is operating expenses recorded as Rs. 546.27 crores (25.00 per cent) in the end of 2021 compared to the expenses of the last two years (2020 and 2019) for the operational expenses paid were Rs. 525.88 (25.63 per cent) crores and Rs. 504.99 crores (28.29 percent). Business per store was Rs. 36.32 crore in 2020-21 and business per employee was Rs. 9.01 crore in the same year.