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Date : Dec 17, 1999

Table 49 : Liabilities and Assets of Regional Rural Banks - 1998-99
(Part 4 of 11)

						(Amount in Rs. lakh)
			As on 31st March
			Faridkot Bhatinda Kshetriya		Farrukhabad Gramin Bank		Fatehpur Kshetriya Gramin Bank
Items			Gramin Bank
			1998	1999	1998	1999	1998	1999
			(109)	(110)	(111)	(112)	(113)	(114)
1.	Capital		100	100	100	100	100	100
			(2.0)	(1.9)	(0.5)	(0.4)	(0.9)	(0.8)

2.	Reserves and Surplus		425	583	984	1631	1142	1604
			(8.6)	(11.0)	(4.7)	(6.2)	(10.4)	(12.2)

3.	Deposits		3450	3606	17124	21420	7977	9520
			(70.0)	(67.9)	(82.0)	(81.9)	(72.8)	(72.3)
	3.1.	Demand deposits	249	67	1180	1216	183	266
	3.2.	Savings bank deposits	835	1001	8398	11142	4337	4963
	3.3.	Term deposits	2365	2538	7546	9063	3458	4292

4.	Borrowings		594	649	1766	1969	889	936
			(12.1)	(12.2)	(8.5)	(7.5)	(8.1)	(7.1)
	4.1.	From banks*	81	109	285	269	57	52
	4.2.	From others	513	540	1481	1701	832	884

5.	Other liabilities		361	369	908	1038	842	1010
			(7.3)	(7.0)	(4.3)	(4.0)	(7.7)	(7.7)
	5.1.	BillsPayable	10	4	31	53	19	25
	5.2.	Inter-office adjustments	-	5	-	-	19	27
	5.3.	Interest accrued	13	19	9	16	29	37
	5.4.	Others (including provisions)	338	341	868	969	775	922
	Total Liabilities		4930	5307	20882	26159	10951	13171
1.	Cash in hand		33	47	439	290	85	104
			(0.7)	(0.9)	(2.1)	(1.1)	(0.8)	(0.8)

2.	Balances with RBI		96	114	540	645	256	302
			(1.9)	(2.2)	(2.6)	(2.5)	(2.3)	(2.3)

3.	Balances with banks in India		1736	1532	6009	4735	4760	6118
			(35.2)	(28.9)	(28.8)	(18.1)	(43.5)	(46.5)

4.	Money at call and short notice		-	-	4793	10666	-	-
			(-)	(-)	(23.0)	(40.8)	(-)	(-)

5.	Investments		912	987	3529	3579	1119	1309
			(18.5)	(18.6)	(16.9)	(13.7)	(10.2)	(9.9)

6.	Advances		1883	2184	4289	4833	2017	2394
			(38.2)	(41.2)	(20.5)	(18.5)	(18.4)	(18.2)
	6.1.	Bills purchased and discounted	1	2	-	-	-	-
	6.2.	Cash credits, overdrafts & loans	807	821	935	1226	194	202
	6.3.	Term loans	1076	1362	3354	3607	1823	2192

7.	Fixed Assets		15	19	18	28	18	21
			(0.3)	(0.4)	(0.1)	(0.1)	(0.2)	(0.2)

8.	Other Assets		255	423	1264	1381	2697	2923
			(5.2)	(8.0)	(6.1)	(5.3)	(24.6)	(22.2)
	8.1.	Inter - office adjustments (net)	4	-	75	206	-	-
	8.2.	Interest accrued	246	410	1120	1146	35	47
	8.3.	Others	4	14	69	29	2663	2876
	Total Assets		4930	5307	20882	26159	10951	13171
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

			Ganga Yamuna		Gaur		Giridih Kshetriya
Items			Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999
			(115)	(116)	(117)	(118)	(119)	(120)
1.	Capital		100	100	100	100	100	100
			(1.6)	(1.4)	(0.4)	(0.3)	(2.0)	(1.6)

2.	Reserves and Surplus		385	385	-	-	172	306
			(6.3)	(5.2)	(-)	(-)	(3.5)	(4.9)

3.	Deposits		4458	5676	24099	28303	4032	5064
			(72.4)	(77.1)	(86.6)	(82.3)	(81.0)	(80.4)
	3.1.	Demand deposits	246	605	353	516	105	87
	3.2.	Savings bank deposits	1388	1765	8765	9589	1947	2416
	3.3.	Term deposits	2823	3306	14982	18197	1981	2561

4.	Borrowings		539	566	2501	2482	266	336
			(8.7)	(7.7)	(9.0)	(7.2)	(5.3)	(5.3)
	4.1.	From banks*	76	67	-	-	-	-
	4.2.	From others	463	499	2501	2482	266	336

5.	Other liabilities		676	631	1113	3519	408	494
			(11.0)	(8.6)	(4.0)	(10.2)	(8.2)	(7.8)
	5.1.	BillsPayable	46	30	-	1	40	31
	5.2.	Inter-office adjustments	-	-	-	27	-	-
	5.3.	Interest accrued	428	564	314	363	-	-
	5.4.	Others (including provisions)	202	37	798	3128	368	463
	Total Liabilities		6158	7359	27813	34404	4979	6300
1.	Cash in hand		55	60	393	513	37	53
			(0.9)	(0.8)	(1.4)	(1.5)	(0.8)	(0.8)

2.	Balances with RBI		134	163	737	823	117	157
			(2.2)	(2.2)	(2.6)	(2.4)	(2.3)	(2.5)

3.	Balances with banks in India		1174	1556	5233	3938	220	277
			(19.1)	(21.1)	(18.8)	(11.4)	(4.4)	(4.4)

4.	Money at call and short notice		2000	2388	-	-	2321	3129
			(32.5)	(32.4)	(-)	(-)	(46.6)	(49.7)

5.	Investments		534	734	4709	7884	583	765
			(8.7)	(10.0)	(16.9)	(22.9)	(11.7)	(12.1)

6.	Advances		1470	1602	8924	12036	1256	1456
			(23.9)	(21.8)	(32.1)	(35.0)	(25.2)	(23.1)
	6.1.	Bills purchased and discounted	-	-	1	-	14	-
	6.2.	Cash credits, overdrafts & loans	457	475	1958	2596	249	311
	6.3.	Term loans	1014	1127	6965	9440	994	1145

7.	Fixed Assets		6	7	45	46	12	12
			(0.1)	(0.1)	(0.2)	(0.1)	(0.2)	(0.2)

8.	Other Assets		784	850	7773	9163	431	451
			(12.7)	(11.5)	(27.9)	(26.6)	(8.7)	(7.2)
	8.1.	Inter - office adjustments (net)	8	2	-	-	12	58
	8.2.	Interest accrued	225	294	469	434	-	-
	8.3.	Others	551	554	7304	8729	419	393
	Total Assets		6158	7359	27813	34404	4979	6300
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

			Godavari		Golconda		Gomti
Items			Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999
			(121)	(122)	(123)	(124)	(125)	(126)
1.	Capital		100	100	100	100	100	100
			(1.5)	(1.3)	(2.3)	(1.7)	(0.4)	(0.3)

2.	Reserves and Surplus		508	692	-	378	977	1468
			(7.9)	(8.9)	(-)	(6.3)	(4.2)	(5.0)

3.	Deposits		3733	4899	3262	4151	19893	25164
			(57.7)	(62.7)	(76.1)	(69.6)	(85.6)	(86.1)
	3.1.	Demand deposits	73	169	440	380	840	1845
	3.2.	Savings bank deposits	759	866	961	1346	8349	9910
	3.3.	Term deposits	2901	3864	1861	2425	10705	13410

4.	Borrowings		1764	1813	434	589	1973	2242
			(27.3)	(23.2)	(10.1)	(9.9)	(8.5)	(7.7)
	4.1.	From banks*	454	407	101	107	83	95
	4.2.	From others	1310	1406	333	482	1890	2148

5.	Other liabilities		362	310	491	746	299	268
			(5.6)	(4.0)	(11.4)	(12.5)	(1.3)	(0.9)
	5.1.	BillsPayable	2	5	186	-	82	108
	5.2.	Inter-office adjustments	24	-	-	-	13	-
	5.3.	Interest accrued	-	31	-	288	27	37
	5.4.	Others (including provisions)	336	274	305	459	176	123
	Total Liabilities		6466	7813	4287	5964	23242	29243
1.	Cash in hand		120	87	35	110	220	303
			(1.8)	(1.1)	(0.8)	(1.8)	(0.9)	(1.0)

2.	Balances with RBI		121	159	104	163	600	750
			(1.9)	(2.0)	(2.4)	(2.7)	(2.6)	(2.6)

3.	Balances with banks in India		1264	1889	212	352	5590	9632
			(19.6)	(24.2)	(5.0)	(5.9)	(24.1)	(32.9)

4.	Money at call and short notice		-	-	1290	2098	-	-
			(-)	(-)	(30.1)	(35.2)	(-)	(-)

5.	Investments		775	984	595	760	8596	9196
			(12.0)	(12.6)	(13.9)	(12.7)	(37.0)	(31.4)

6. Advances			4036	4500	1491	1974	6007	7503
			(62.4)	(57.6)	(34.8)	(33.1)	(25.8)	(25.7)
	6.1.	Bills purchased and discounted	17	6	-	712	-	5
	6.2.	Cash credits, overdrafts & loans	2666	3108	918	-	266	331
	6.3.	Term loans	1353	1385	573	1263	5741	7167

7.	Fixed Assets		32	34	15	17	26	42
			(0.5)	(0.4)	(0.3)	(0.3)	(0.1)	(0.1)

8.	Other Assets		118	160	546	489	2203	1817
			(1.8)	(2.1)	(12.7)	(8.2)	(9.5)	(6.2)
	8.1.	Inter - office adjustments (net)	22	17	201	35	-	35
	8.2.	Interest accrued	32	52	52	71	1028	1456
	8.3.	Others	63	91	293	383	1175	326
	Total Assets		6466	7813	4287	5964	23242	29243
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Notes	:	1. Figures in bracket indicate percent share in total.
		2. *Including Reserve Bank of India.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.

						(Amount in Rs. lakh)
			As on 31st March
			Gopalganj Kshetriya		Gorakhpur Kshetriya		Gurdaspur Amritsar
Items			Gramin Bank		Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999
			(127)	(128)	(129)	(130)	(131)	(132)
1.	Capital		100	100	100	100	100	100
			(0.8)	(0.7)	(0.1)	(0.1)	(0.8)	(0.7)

2.	Reserves and Surplus		497	864	8758	10832	737	867
			(4.0)	(5.9)	(11.7)	(11.6)	(6.0)	(5.7)

3.	Deposits		10467	12605	52292	63640	9401	11762
			(84.8)	(85.7)	(69.6)	(68.2)	(76.7)	(77.0)
	3.1.	Demand deposits	522	553	2148	2860	197	257
	3.2.	Savings bank deposits	5719	6550	27498	33784	3752	4482
	3.3.	Term deposits	4226	5502	22646	26996	5452	7023

4.	Borrowings		281	313	4417	6619	853	996
			(2.3)	(2.1)	(5.9)	(7.1)	(7.0)	(6.5)
	4.1.	From banks*	-	-	-	-	59	112
	4.2.	From others	281	313	4417	6619	794	884

5.	Other liabilities		999	828	9572	12094	1158	1549
			(8.1)	(5.6)	(12.7)	(13.0)	(9.5)	(10.1)
	5.1.	BillsPayable	-	-	-	-	7	13
	5.2.	Inter-office adjustments	6	-	516	558	-	83
	5.3.	Interest accrued	-	-	6375	8061	11	232
	5.4.	Others (including provisions)	992	828	2681	3475	1140	1222
	Total Liabilities		12343	14710	75139	93284	12250	15274
1.	Cash in hand		85	107	495	590	88	81
			(0.7)	(0.7)	(0.7)	(0.6)	(0.7)	(0.5)

2.	Balances with RBI		313	377	1739	2109	285	357
			(2.5)	(2.6)	(2.3)	(2.3)	(2.3)	(2.3)

3.	Balances with banks in India		7471	9145	1173	2217	2329	4859
			(60.5)	(62.2)	(1.6)	(2.4)	(19.0)	(31.8)

4.	Money at call and short notice		-	-	40468	50365	1035	63
			(-)	(-)	(53.9)	(54.0)	(8.4)	(0.4)

5.	Investments		600	900	14447	16945	3655	4980
			(4.9)	(6.1)	(19.2)	(18.2)	(29.8)	(32.6)

6.	Advances		2258	2201	12657	15200	3759	3871
			(18.3)	(15.0)	(16.8)	(16.3)	(30.7)	(25.3)
	6.1.	Bills purchased and discounted	-	-	8	4	-	-
	6.2.	Cash credits, overdrafts & loans	313	414	4677	5363	2196	2111
	6.3.	Term loans	1945	1787	7973	9833	1563	1760

7.	Fixed Assets		10	14	37	57	29	37
			(0.1)	(0.1)	(-)	(0.1)	(0.2)	(0.2)

8.	Other Assets		1605	1966	4122	5801	1069	1026
			(13.0)	(13.4)	(5.5)	(6.2)	(8.7)	(6.7)
	8.1.	Inter - office adjustments (net)	-	-	-	-	105	-
	8.2.	Interest accrued	1540	1950	4064	5720	296	522
	8.3.	Others	66	17	58	81	669	504
	Total Assets		12343	14710	75139	93284	12250	15274
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

			Gurgaon Gramin Bank		Gwalior Datia Kshetriya		Hadoti Kshetriya Gramin Bank
Items					Gramin Bank
			1998	1999	1998	1999	1998	1999
			(133)	(134)	(135)	(136)	(137)	(138)
1.	Capital		100	100	100	100	100	100
			(0.2)	(0.2)	(2.0)	(1.6)	(0.6)	(0.5)

2.	Reserves and Surplus		1898	3254	361	428	-	-
			(4.2)	(6.1)	(7.2)	(6.9)	(-)	(-)

3.	Deposits		35111	40349	3707	4678	12436	14780
			(78.0)	(75.3)	(73.5)	(75.7)	(76.9)	(77.5)
	3.1.	Demand deposits	559	525	174	230	801	1183
	3.2.	Savings bank deposits	13736	15198	1073	1449	4545	5275
	3.3.	Term deposits	20817	24626	2460	2999	7090	8323

4.	Borrowings		5584	5113	476	466	1467	1918
			(12.4)	(9.5)	(9.5)	(7.5)	(9.1)	(10.1)
	4.1.	From banks*	1356	1221	22	-	137	139
	4.2.	From others	4228	3892	454	466	1330	1779

5.	Other liabilities		2330	4775	397	510	2166	2267
			(5.2)	(8.9)	(7.9)	(8.2)	(13.4)	(11.9)
	5.1.	BillsPayable	-	-	-	-	-	-
	5.2.	Inter-office adjustments	86	131	13	-	-	-
	5.3.	Interest accrued	256	488	-	-	31	44
	5.4.	Others (including provisions)	1988	4157	384	510	2134	2223
	Total Liabilities		45023	53591	5041	6182	16169	19065
1.	Cash in hand		733	508	44	36	302	509
			(1.6)	(0.9)	(0.9)	(0.6)	(1.9)	(2.7)

2.	Balances with RBI		1061	1231	113	143	376	437
			(2.4)	(2.3)	(2.2)	(2.3)	(2.3)	(2.3)

3.	Balances with banks in India		19144	19551	73	2576	3574	984
			(42.5)	(36.5)	(1.4)	(41.7)	(22.1)	(5.2)

4.	Money at call and short notice		-	-	2180	-	2192	5533
			(-)	(-)	(43.3)	(-)	(13.6)	(29.0)

5.	Investments		8915	10586	-	515	400	425
			(19.8)	(19.8)	(-)	(8.3)	(2.5)	(2.2)

6.	Advances		12523	15415	1755	1999	5582	6769
			(27.8)	(28.8)	(34.8)	(32.3)	(34.5)	(35.5)
	6.1.	Bills purchased and discounted	-	3	-	-	-	-
	6.2.	Cash credits, overdrafts & loans	3380	4400	139	152	1194	1541
	6.3.	Term loans	9142	11013	1616	1847	4388	5228

7.	Fixed Assets		55	57	11	10	23	29
			(0.1)	(0.1)	(0.2)	(0.2)	(0.1)	(0.2)

8.	Other Assets		2592	6243	865	903	3720	4381
			(5.8)	(11.6)	(17.2)	(14.6)	(23.0)	(23.0)
	8.1.	Inter - office adjustments (net)	-	-	-	4	319	476
	8.2.	Interest accrued	2319	3462	216	234	274	672
	8.3.	Others	273	2781	649	664	3126	3233
	Total Assets		45023	53591	5041	6182	16169	19065
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

			Haryana Kshetriya		Hazaribagh Kshetriya		Himachal Gramin Bank
Items			Gramin Bank		Gramin Bank
			1998	1999	1998	1999	1998	1999
			(139)	(140)	(141)	(142)	(143)	(144)
1.	Capital		96	96	100	100	100	100
			(0.4)	(0.4)	(1.4)	(1.1)	(0.4)	(0.3)

2.	Reserves and Surplus		-	-	187	263	897	1040
			(-)	(-)	(2.6)	(3.0)	(3.6)	(3.3)

3.	Deposits		17189	19937	5952	7267	22001	27675
			(77.9)	(81.6)	(84.1)	(83.3)	(87.5)	(88.3)
	3.1.	Demand deposits	91	81	152	193	498	649
	3.2.	Savings bank deposits	6400	7248	3437	4049	6345	8170
	3.3.	Term deposits	10698	12608	2363	3025	15158	18857

4.	Borrowings		2146	2116	346	505	1292	1513
			(9.7)	(8.7)	(4.9)	(5.8)	(5.1)	(4.8)
	4.1.	From banks*	13	13	-	-	126	135
	4.2.	From others	2133	2102	346	505	1166	1378

5.	Other liabilities		2625	2291	492	593	855	1001
			(11.9)	(9.4)	(7.0)	(6.8)	(3.4)	(3.2)
	5.1.	BillsPayable	-	-	-	7	8	23
	5.2.	Inter-office adjustments	-	-	-	-	90	161
	5.3.	Interest accrued	20	24	-	-	37	50
	5.4.	Others (including provisions)	2604	2267	492	586	721	767
	Total Liabilities		22055	24440	7077	8728	25144	31330
1.	Cash in hand		271	250	56	54	353	406
			(1.2)	(1.0)	(0.8)	(0.6)	(1.4)	(1.3)

2.	Balances with RBI		540	600	164	181	675	855
			(2.5)	(2.5)	(2.3)	(2.1)	(2.7)	(2.7)

3.	Balances with banks in India		286	331	2179	3439	7523	8964
			(1.3)	(1.4)	(30.8)	(39.4)	(29.9)	(28.6)

4.	Money at call and short notice		5425	5780	-	-	-	-
			(24.6)	(23.7)	(-)	(-)	(-)	(-)

5.	Investments		2786	3590	3019	3105	9560	11960
			(12.6)	(14.7)	(42.7)	(35.6)	(38.0)	(38.2)

6.	Advances		8687	9809	1304	1581	4553	5653
			(39.4)	(40.1)	(18.4)	(18.1)	(18.1)	(18.0)
	6.1.	Bills purchased and discounted	-	-	-	-	454	475
	6.2.	Cash credits, overdrafts & loans	644	-	237	356	2138	2606
	6.3.	Term loans	8042	9809	1066	1225	1961	2572

7.	Fixed Assets		32	32	12	12	21	39
			(0.1)	(0.1)	(0.2)	(0.1)	(0.1)	(0.1)

8.	Other Assets		4030	4048	343	356	2460	3453
			(18.3)	(16.6)	(4.8)	(4.1)	(9.8)	(11.0)
	8.1.	Inter - office adjustments (net)	38	-	32	25	-	-
	8.2.	Interest accrued	487	643	-	-	1392	2634
	8.3.	Others	3505	3405	311	331	1068	819
	Total Assets		22055	24440	7077	8728	25144	31330
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Notes	:	1. Figures in bracket indicate percent share in total.
		2. *Including Reserve Bank of India.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.