|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | | Hissar-Sirsa | | |
| | | | Hindon | Kshetriya | Howrah | Indore Ujjain |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (145)
| (146)
| (147)
| (148)
| (149)
| (150)
| (151)
| (152)
|
Income | | | | | | | | |
I. | Interest Earned | 285 | 408 | 938 | 1093 | 1603 | 2019 | 453 | 650 |
| | a) | Interest/discount on advances/bills | 66 | 90 | 431 | 484 | 284 | 330 | 190 | 286 |
| | b) | Income on Investments | 219 | 318 | 182 | 242 | 881 | 1144 | 257 | 355 |
| | c) | Interest on balances with | - | - | 325 | 367 | 438 | 545 | 6 | 9 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | - | - | - | - | - | - |
II. | Other income | 8 | 7 | 22 | 23 | 78 | 81 | 31 | 33 |
| | a) | Commission, exchange and brokerage | 5 | 5 | 5 | 6 | 52 | 61 | 4 | 5 |
| | b) | Other miscellaneous income | 3
| 2
| 17
| 17
| 26
| 19
| 27
| 28
|
Total(I+II)
| 293
| 415
| 960
| 1115
| 1681
| 2099
| 485
| 683
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 175 | 221 | 561 | 648 | 1152 | 1472 | 285 | 423 |
| | a) | Interest on deposits | 166 | 205 | 447 | 516 | 1108 | 1422 | 247 | 368 |
| | b) | Interest on RBI/inter-bank borrowings | 9 | 16 | 5 | 5 | 45 | 50 | 3 | 55 |
| | c) | Others | - | - | 109 | 128 | - | - | 34 | - |
IV. | Operating expenses | 94 | 125 | 205 | 249 | 373 | 419 | 187 | 223 |
| | a) | Payments to and provisions for employees | 72 | 107 | 171 | 212 | 321 | 364 | 162 | 194 |
| | b) | Rent, taxes and lighting | 3 | 3 | 8 | 8 | 13 | 16 | 7 | 9 |
| | c) | Printing and stationery | 1 | 1 | 3 | 4 | 3 | 6 | 5 | 4 |
| | d) | Advertisement and publicity | - | - | - | - | 1 | 1 | - | - |
| | e) | Depreciation on Bank's property | 2 | 2 | 4 | 4 | 4 | 5 | 1 | 2 |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
| | g) | Auditors' fees and expenses | - | - | 1 | 1 | 1 | 1 | - | 1 |
| | h) | Law charges | - | - | 1 | - | - | - | - | - |
| | i) | Postage, telegrams, telephones, etc. | 1 | 2 | 2 | 2 | 2 | 2 | 1 | 1 |
| | j) | Repairs and maintenance | - | - | 1 | - | 1 | 1 | 1 | 1 |
| | k) | Insurance | 10 | 2 | 4 | 3 | 18 | 11 | 2 | 4 |
| | l) | Other expenditure | 5 | 8 | 12 | 15 | 10 | 12 | 8 | 9 |
V. | Provisions and contingencies | - | 16 | 36 | - | 52 | 99 | 8 | 4 |
| | Total expenses* | 269 | 346 | 766 | 897 | 1525 | 1891 | 473 | 646 |
VI. | Profit | 23
| 53
| 158
| 219
| 104
| 109
| 4
| 33
|
Total (III+IV+V+VI)
| 293
| 415
| 960
| 1115
| 1681
| 2099
| 485
| 683
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Jaipur Nagaur | | | |
| | | | Anchalik | Jammu Rural | Jamnagar | Jamuna |
Items | Gramin Bank
| Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (153)
| (154)
| (155)
| (156)
| (157)
| (158)
| (159)
| (160)
|
Income | | | | | | | | |
I. | Interest Earned | 2699 | 3834 | 2552 | 3223 | 945 | 1376 | 1293 | 1670 |
| | a) | Interest/discount on advances/bills | 604 | 686 | 334 | 499 | 422 | 548 | 563 | 682 |
| | b) | Income on Investments | 728 | 1828 | 3 | 2 | 180 | 303 | 339 | 364 |
| | c) | Interest on balances with | 1367 | 1319 | 2215 | 2721 | 343 | 525 | 391 | 624 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | - | - | - | - | - | - |
II. | Other income | 69 | 81 | 20 | 68 | 8 | 32 | 82 | 66 |
| | a) | Commission, exchange and brokerage | 23 | 26 | 8 | 8 | 8 | 32 | 42 | 21 |
| | b) | Other miscellaneous income | 46
| 55
| 12
| 61
| -
| -
| 40
| 45
|
Total(I+II)
| 2768
| 3915
| 2572
| 3291
| 953
| 1409
| 1374
| 1735
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 1996 | 2431 | 1510 | 1992 | 596 | 875 | 801 | 1031 |
| | a) | Interest on deposits | 1907 | 2306 | 1443 | 1889 | 492 | 748 | 689 | 926 |
| | b) | Interest on RBI/inter-bank borrowings | 89 | 125 | - | - | 103 | 127 | 16 | 17 |
| | c) | Others | - | - | 67 | 103 | - | - | 95 | 87 |
IV. | Operating expenses | 755 | 859 | 518 | 585 | 249 | 326 | 268 | 273 |
| | a) | Payments to and provisions for employees | 685 | 771 | 462 | 522 | 223 | 295 | 199 | 235 |
| | b) | Rent, taxes and lighting | 12 | 13 | 11 | 11 | 6 | 7 | 10 | 14 |
| | c) | Printing and stationery | 9 | 20 | 9 | 9 | 6 | 7 | 4 | 3 |
| | d) | Advertisement and publicity | - | - | - | - | 1 | - | - | - |
| | e) | Depreciation on Bank's property | 2 | 3 | 4 | 7 | 1 | 1 | 3 | 3 |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
| | g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| | h) | Law charges | 1 | 1 | 2 | 2 | - | - | - | - |
| | i) | Postage, telegrams, telephones, etc. | 6 | 8 | 3 | 4 | 1 | 2 | 3 | 3 |
| | j) | Repairs and maintenance | 1 | 1 | 1 | 1 | - | - | - | 1 |
| | k) | Insurance | 12 | 1 | 9 | 12 | 3 | 5 | - | - |
| | l) | Other expenditure | 25 | 40 | 16 | 17 | 7 | 7 | 47 | 13 |
V. | Provisions and contingencies | 93 | 173 | 37 | - | - | - | 10 | - |
| | Total expenses* | 2752 | 3290 | 2027 | 2577 | 845 | 1201 | 1069 | 1304 |
VI. | Profit | -77
| 452
| 508
| 714
| 108
| 208
| 296
| 432
|
Total (III+IV+V+VI)
| 2768
| 3915
| 2572
| 3291
| 953
| 1409
| 1374
| 1735
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Jhabua Dhar | Junagadh | | |
| | | | Kshetriya | Amreli | Ka Bank | Kakathiya |
Items | Gramin Bank
| Gramin Bank
| Nongkyndong
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (161)
| (162)
| (163)
| (164)
| (165)
| (166)
| (167)
| (168)
|
Income | | | | | | | | |
I. | Interest Earned | 805 | 1146 | 550 | 769 | 1137 | 1191 | 556 | 779 |
| | a) | Interest/discount on advances/bills | 437 | 637 | 215 | 283 | 130 | 154 | 348 | 447 |
| | b) | Income on Investments | 30 | 89 | 155 | 248 | 655 | 604 | 2 | 12 |
| | c) | Interest on balances with | 338 | 419 | 181 | 239 | 352 | 433 | 206 | 320 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | - | - | - | - | - | - |
II. | Other income | 107 | 264 | 25 | 24 | 11 | 9 | 30 | 93 |
| | a) | Commission, exchange and brokerage | 7 | 9 | 14 | 13 | 11 | 8 | 9 | 17 |
| | b) | Other miscellaneous income | 100
| 255
| 11
| 11
| -
| 1
| 21
| 76
|
Total(I+II)
| 911
| 1410
| 575
| 793
| 1148
| 1200
| 586
| 872
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 750 | 896 | 316 | 473 | 547 | 598 | 378 | 580 |
| | a) | Interest on deposits | 634 | 776 | 263 | 391 | 482 | 537 | 291 | 454 |
| | b) | Interest on RBI/inter-bank borrowings | 116 | 120 | 42 | 81 | 65 | 61 | 87 | 126 |
| | c) | Others | - | - | 11 | 1 | - | - | - | - |
IV. | Operating expenses | 436 | 513 | 147 | 173 | 199 | 224 | 229 | 266 |
| | a) | Payments to and provisions for employees | 400 | 471 | 122 | 147 | 165 | 183 | 180 | 214 |
| | b) | Rent, taxes and lighting | 10 | 11 | 4 | 5 | 11 | 12 | 8 | 11 |
| | c) | Printing and stationery | 4 | 4 | 3 | 3 | 5 | 5 | 5 | 6 |
| | d) | Advertisement and publicity | - | - | - | - | - | - | 1 | 1 |
| | e) | Depreciation on Bank's property | 2 | 2 | 1 | 1 | 2 | 2 | 2 | 3 |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | 1 | - |
| | g) | Auditors' fees and expenses | 1 | 1 | - | 1 | 1 | 1 | - | 1 |
| | h) | Law charges | - | 1 | - | - | - | - | - | 1 |
| | i) | Postage, telegrams, telephones, etc. | 1 | 2 | 2 | 2 | 1 | - | 1 | 2 |
| | j) | Repairs and maintenance | 2 | 1 | - | - | - | - | - | 1 |
| | k) | Insurance | 5 | 6 | 2 | 3 | 2 | 6 | 4 | 3 |
| | l) | Other expenditure | 11 | 14 | 12 | 12 | 14 | 16 | 27 | 24 |
V. | Provisions and contingencies | - | - | - | - | 89 | 85 | 9 | - |
| | Total expenses* | 1186 | 1408 | 463 | 646 | 746 | 822 | 607 | 846 |
VI. | Profit | - 275
| 1
| 112
| 147
| 313
| 292
| - 30
| 26
|
Total (III+IV+V+VI)
| 911
| 1410
| 575
| 793
| 1148
| 1200
| 586
| 872
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Kalahandi | | | |
| | | | Anchalika | Kalpatharu | Kamraz | Kanakadurga |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (169)
| (170)
| (171)
| (172)
| (173)
| (174)
| (175)
| (176)
|
Income | | | | | | | | |
I. | Interest Earned | 599 | 875 | 1382 | 1544 | 889 | 1129 | 674 | 783 |
| | a) | Interest/discount on advances/bills | 285 | 386 | 693 | 718 | 123 | 256 | 426 | 473 |
| | b) | Income on Investments | 47 | 138 | 507 | 626 | 113 | 104 | 246 | 306 |
| | c) | Interest on balances with | 267 | 352 | 17 | 26 | 653 | 769 | 3 | 4 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | 165 | 174 | - | - | - | - |
II. | Other income | 19 | 20 | 85 | 96 | 15 | 31 | 20 | 20 |
| | a) | Commission, exchange and brokerage | - | - | 54 | 56 | 7 | 7 | 8 | 9 |
| | b) | Other miscellaneous income | 19
| 20
| 32
| 40
| 7
| 24
| 12
| 11
|
Total(I+II)
| 618
| 896
| 1467
| 1640
| 904
| 1160
| 694
| 803
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 407 | 481 | 832 | 928 | 666 | 802 | 355 | 407 |
| | a) | Interest on deposits | 337 | 383 | 648 | 749 | 637 | 762 | 257 | 322 |
| | b) | Interest on RBI/inter-bank borrowings | 69 | 98 | 184 | 179 | 29 | 40 | 98 | 84 |
| | c) | Others | - | - | - | - | - | - | - | - |
IV. | Operating expenses | 398 | 352 | 451 | 516 | 505 | 610 | 132 | 156 |
| | a) | Payments to and provisions for employees | 367 | 321 | 384 | 455 | 440 | 500 | 104 | 124 |
| | b) | Rent, taxes and lighting | 9 | 9 | 10 | 14 | 10 | 11 | 7 | 7 |
| | c) | Printing and stationery | 4 | 5 | 6 | 7 | 10 | 5 | 4 | 4 |
| | d) | Advertisement and publicity | - | - | - | - | - | - | 1 | - |
| | e) | Depreciation on Bank's property | 2 | 2 | 4 | 4 | 4 | 4 | 4 | 7 |
| | f) | Directors' fees, allowances and expenses | - | 1 | - | - | - | - | 1 | - |
| | g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | - | 1 |
| | h) | Law charges | - | - | - | - | - | 1 | - | - |
| | i) | Postage, telegrams, telephones, etc. | 4 | 4 | 4 | 5 | 1 | 1 | 4 | 4 |
| | j) | Repairs and maintenance | 1 | 1 | 2 | 4 | 1 | 1 | 1 | 1 |
| | k) | Insurance | 3 | 3 | 21 | 4 | 6 | 7 | 3 | 3 |
| | l) | Other expenditure | 7 | 51 | 19 | 23 | 34 | 79 | 3 | 5 |
V. | Provisions and contingencies | 8 | 51 | 49 | 13 | 32 | 53 | 36 | 18 |
| | Total expenses* | 805 | 834 | 1283 | 1445 | 1171 | 1412 | 486 | 564 |
VI. | Profit | -195
| 11
| 135
| 182
| - 299
| - 304
| 173
| 221
|
Total (III+IV+V+VI)
| 618
| 896
| 1467
| 1640
| 904
| 1160
| 694
| 803
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | | Kapurthala | | |
| | | | Kanpur | Firozpur | | |
| | | | Kshetriya | Kshetriya | Kashi | Kisan |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (177)
| (178)
| (179)
| (180)
| (181)
| (182)
| (183)
| (184)
|
Income | | | | | | | | |
I. | Interest Earned | 2260 | 2861 | 645 | 829 | 1645 | 2230 | 641 | 922 |
| | a) | Interest/discount on advances/bills | 479 | 614 | 233 | 265 | 418 | 487 | 235 | 278 |
| | b) | Income on Investments | 892 | 1228 | 172 | 260 | 730 | 811 | 119 | 156 |
| | c) | Interest on balances with | 889 | 1019 | 241 | 304 | 496 | 931 | 287 | 489 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | - | - | - | - | - | - |
II. | Other income | 127 | 90 | 42 | 48 | 66 | 65 | 60 | 34 |
| | a) | Commission, exchange and brokerage | 48 | 44 | 2 | 4 | 17 | 40 | 15 | 19 |
| | b) | Other miscellaneous income | 79
| 45
| 40
| 44
| 49
| 24
| 44
| 15
|
Total(I+II)
| 2388
| 2951
| 687
| 877
| 1711
| 2295
| 700
| 956
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 1601 | 1934 | 431 | 500 | 1226 | 1479 | 421 | 493 |
| | a) | Interest on deposits | 1439 | 1748 | 391 | 452 | 1163 | 1425 | 369 | 439 |
| | b) | Interest on RBI/inter-bank borrowings | - | - | 41 | 48 | 1 | 1 | 53 | 54 |
| | c) | Others | 162 | 187 | - | - | 61 | 53 | - | - |
IV. | Operating expenses | 626 | 700 | 204 | 254 | 476 | 543 | 306 | 375 |
| | a) | Payments to and provisions for employees | 557 | 621 | 178 | 222 | 401 | 466 | 274 | 332 |
| | b) | Rent, taxes and lighting | 13 | 17 | 4 | 4 | 11 | 12 | 7 | 8 |
| | c) | Printing and stationery | 6 | 10 | 2 | 2 | 5 | 5 | 3 | 3 |
| | d) | Advertisement and publicity | - | - | - | - | - | - | - | - |
| | e) | Depreciation on Bank's property | 8 | 8 | 4 | 5 | 4 | 4 | 3 | 3 |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
| | g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| | h) | Law charges | 1 | 1 | - | 1 | 1 | 1 | 1 | 1 |
| | i) | Postage, telegrams, telephones, etc. | 2 | 2 | 2 | 3 | 3 | 3 | 1 | 2 |
| | j) | Repairs and maintenance | 2 | 1 | 1 | 1 | 2 | 2 | 1 | 1 |
| | k) | Insurance | 10 | 12 | 1 | 1 | 16 | 12 | 1 | 1 |
| | l) | Other expenditure | 26 | 27 | 11 | 15 | 31 | 36 | 14 | 23 |
V. | Provisions and contingencies | - | 33 | 1 | 20 | - | 37 | 38 | 65 |
| | Total expenses* | 2227 | 2634 | 635 | 754 | 1701 | 2022 | 728 | 868 |
VI. | Profit | 161
| 284
| 51
| 103
| 10
| 236
| - 65
| 23
|
Total (III+IV+V+VI)
| 2388
| 2951
| 687
| 877
| 1711
| 2295
| 700
| 956
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | | Koraput | | |
| | | | Kolar | Panchabati | Kosi Kshetriya | Krishna |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (185)
| (186)
| (187)
| (188)
| (189)
| (190)
| (191)
| (192)
|
Income | | | | | | | | |
I. | Interest Earned | 1377 | 1565 | 1491 | 1774 | 1123 | 1626 | 2673 | 3212 |
| | a) | Interest/discount on advances/bills | 769 | 834 | 608 | 755 | 341 | 414 | 1806 | 2058 |
| | b) | Income on Investments | 604 | 726 | 880 | 1009 | 6 | 27 | 361 | 527 |
| | c) | Interest on balances with | 5 | 5 | - | - | 776 | 1185 | 505 | 627 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | 3 | 10 | - | - | - | - |
II. | Other income | 71 | 139 | 285 | 40 | 34 | 47 | 47 | 87 |
| | a) | Commission, exchange and brokerage | 16 | 24 | - | - | 6 | 30 | 47 | 87 |
| | b) | Other miscellaneous income | 55
| 115
| 285
| 40
| 28
| 17
| -
| -
|
Total(I+II)
| 1449
| 1705
| 1776
| 1814
| 1157
| 1673
| 2720
| 3300
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 741 | 863 | 848 | 1055 | 1035 | 1310 | 1645 | 1898 |
| | a) | Interest on deposits | 558 | 674 | 673 | 839 | 998 | 1260 | 1185 | 1391 |
| | b) | Interest on RBI/inter-bank borrowings | 164 | 165 | 174 | 216 | 37 | 50 | 459 | 507 |
| | c) | Others | 19 | 23 | - | - | - | - | 1 | - |
IV. | Operating expenses | 375 | 423 | 568 | 658 | 907 | 950 | 583 | 687 |
| | a) | Payments to and provisions for employees | 324 | 371 | 523 | 611 | 776 | 883 | 485 | 575 |
| | b) | Rent, taxes and lighting | 13 | 14 | 10 | 11 | 12 | 15 | 14 | 16 |
| | c) | Printing and stationery | 9 | 6 | 7 | 8 | 11 | 11 | 10 | 12 |
| | d) | Advertisement and publicity | - | - | - | - | - | - | - | - |
| | e) | Depreciation on Bank's property | 3 | 4 | 4 | 4 | 4 | 4 | 5 | 5 |
| | f) | Directors' fees, allowances and expenses | 1 | - | - | - | - | - | - | - |
| | g) | Auditors' fees and expenses | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| | h) | Law charges | - | 1 | - | - | 1 | 1 | - | 1 |
| | i) | Postage, telegrams, telephones, etc. | 5 | 6 | 6 | 6 | 2 | 3 | 5 | 6 |
| | j) | Repairs and maintenance | - | - | 1 | 1 | 1 | 1 | 1 | 1 |
| | k) | Insurance | 5 | 5 | 9 | 6 | 8 | 11 | 9 | 9 |
| | l) | Other expenditure | 14 | 14 | 6 | 10 | 91 | 20 | 52 | 61 |
V. | Provisions and contingencies | 42 | - | 35 | 58 | 19 | 19 | 106 | 136 |
| | Total expenses* | 1116 | 1286 | 1416 | 1713 | 1942 | 2260 | 2228 | 2585 |
VI. | Profit | 290
| 419
| 325
| 43
| - 804
| - 606
| 386
| 579
|
Total (III+IV+V+VI)
| 1449
| 1705
| 1776
| 1814
| 1157
| 1673
| 2720
| 3300
|