|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Kshetriya | Kutch | K.Kisan | Lakhimi |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gaonlia Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (193)
| (194)
| (195)
| (196)
| (197)
| (198)
| (199)
| (200)
|
Income | | | | | | | | |
I. | Interest Earned | 1317 | 1705 | 895 | 1225 | 948 | 1186 | 1048 | 1347 |
| | a) | Interest/discount on advances/bills | 530 | 664 | 309 | 357 | 226 | 398 | 211 | 253 |
| | b) | Income on Investments | 455 | 81 | 71 | 656 | 402 | 83 | 575 | 948 |
| | c) | Interest on balances with | 332 | 961 | 183 | 212 | 320 | 705 | - | - |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | 331 | - | - | - | 262 | 146 |
II. | Other income | 35 | 28 | 17 | 47 | 36 | 19 | 1040 | 207 |
| | a) | Commission, exchange and brokerage | 34 | 27 | 7 | 12 | 9 | 16 | 21 | 28 |
| | b) | Other miscellaneous income | 1
| 2
| 10
| 34
| 27
| 3
| 1019
| 180
|
Total(I+II)
| 1352
| 1733
| 911
| 1272
| 984
| 1205
| 2088
| 1554
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 857 | 1032 | 856 | 795 | 647 | 1108 | 776 | 855 |
| | a) | Interest on deposits | 779 | 924 | 465 | 717 | 586 | 590 | 711 | 794 |
| | b) | Interest on RBI/inter-bank borrowings | 4 | 5 | 59 | 78 | 61 | 70 | 64 | 61 |
| | c) | Others | 74 | 103 | 331 | - | - | 448 | 1 | - |
| | | | | | | | | | | |
IV. | Operating expenses | 482 | 541 | 356 | 257 | 213 | 382 | 513 | 598 |
| | a) | Payments to and provisions for employees | 433 | 486 | 300 | 234 | 191 | 337 | 453 | 534 |
| | b) | Rent, taxes and lighting | 12 | 13 | 6 | 5 | 4 | 8 | 14 | 15 |
| | c) | Printing and stationery | 5 | 5 | 3 | 2 | 4 | 4 | 8 | 7 |
| | d) | Advertisement and publicity | - | - | - | - | - | - | - | - |
| | e) | Depreciation on Bank's property | 3 | 4 | 2 | 5 | 3 | 5 | 3 | 3 |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
| | g) | Auditors' fees and expenses | 1 | 2 | 1 | - | - | 1 | 1 | 1 |
| | h) | Law charges | - | - | - | - | - | - | - | - |
| | i) | Postage, telegrams, telephones, etc. | 2 | 3 | 1 | 3 | 2 | 1 | 2 | 3 |
| | j) | Repairs and maintenance | 3 | 1 | - | - | - | - | 1 | 2 |
| | k) | Insurance | 6 | 7 | 9 | 4 | 3 | 12 | 1 | 1 |
| | l) | Other expenditure | 17 | 20 | 34 | 3 | 4 | 14 | 31 | 32 |
V. | Provisions and contingencies | - | 136 | - | - | - | 44 | 1 | 1 |
| | Total expenses* | 1338 | 1573 | 1212 | 1053 | 860 | 1490 | 1289 | 1453 |
VI. | Profit | 14
| 24
| - 301
| 219
| 124
| - 325
| 797
| 101
|
Total (III+IV+V+VI)
| 1352
| 1733
| 911
| 1272
| 984
| 1205
| 2088
| 1554
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Langpi | Madhubani | | Mahakaushal |
| | | | Dehangi | Kshetriya | Magadh | Kshetriya |
Items | Rural Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (201)
| (202)
| (203)
| (204)
| (205)
| (206)
| (207)
| (208)
|
Income | | | | | | | | |
I. | Interest Earned | 234 | 324 | 367 | 611 | 2883 | 3753 | 367 | 484 |
| | a) | Interest/discount on advances/bills | 47 | 56 | 123 | 240 | 403 | 464 | 32 | 47 |
| | b) | Income on Investments | 143 | 72 | 245 | - | 1708 | - | 105 | 3 |
| | c) | Interest on balances with | 44 | - | - | - | 770 | 3280 | 230 | 140 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | 196 | - | 371 | 2 | 9 | - | 294 |
II. | Other income | 22 | 28 | 7 | 10 | 155 | 46 | 11 | 20 |
| | a) | Commission, exchange and brokerage | 14 | 17 | 6 | 5 | 5 | 6 | 5 | 7 |
| | b) | Other miscellaneous income | 8
| 11
| 1
| 5
| 150
| 40
| 6
| 13
|
Total(I+II)
| 256
| 352
| 375
| 621
| 3038
| 3799
| 379
| 505
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 217 | 258 | 525 | 667 | 1993 | 2227 | 415 | 517 |
| | a) | Interest on deposits | 195 | 239 | 518 | 640 | 1946 | 2160 | 182 | 219 |
| | b) | Interest on RBI/inter-bank borrowings | 2 | 19 | 7 | 26 | 3 | 3 | 3 | 4 |
| | c) | Others | 20 | - | - | - | 44 | 65 | 230 | 294 |
IV. | Operating expenses | 212 | 233 | 428 | 474 | 922 | 1107 | 200 | 247 |
| | a) | Payments to and provisions for employees | 184 | 203 | 386 | 453 | 808 | 1023 | 183 | 230 |
| | b) | Rent, taxes and lighting | 3 | 4 | 5 | 6 | 10 | 12 | 6 | 7 |
| | c) | Printing and stationery | 3 | 4 | 3 | 3 | 8 | 8 | 2 | 2 |
| | d) | Advertisement and publicity | - | - | - | 1 | - | - | - | - |
| | e) | Depreciation on Bank's property | 1 | 1 | 1 | - | 4 | 4 | 1 | 1 |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
| | g) | Auditors' fees and expenses | - | - | 1 | 1 | 2 | 2 | - | - |
| | h) | Law charges | - | - | - | - | 1 | 1 | - | - |
| | i) | Postage, telegrams, telephones, etc. | - | - | 1 | 1 | 4 | 4 | 1 | 1 |
| | j) | Repairs and maintenance | 1 | 1 | 1 | 2 | 1 | 1 | - | - |
| | k) | Insurance | 2 | 4 | 23 | 5 | 69 | 15 | 2 | 2 |
| | l) | Other expenditure | 17 | 17 | 7 | 3 | 15 | 37 | 4 | 4 |
V. | Provisions and contingencies | 25 | -8 | 48 | 21 | - | - | - | - |
| | Total expenses* | 430 | 491 | 953 | 1141 | 2915 | 3334 | 615 | 764 |
VI. | Profit | -199
| -131
| - 627
| - 541
| 122
| 465
| - 237
| - 259
|
Total (III+IV+V+VI)
| 256
| 352
| 375
| 621
| 3038
| 3799
| 379
| 505
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | | | | Mandla |
| | | | | | | Balaghat |
| | | | Malaprabha | Mallabhum | Malwa | Kshetriya |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
|
|
|
| (209)
| (210)
| (211)
| (212)
| (213)
| (214)
| (215)
| (216)
|
Income | | | | | | | | |
I. | Interest Earned | 5878 | 6520 | 3196 | 4224 | 955 | 1114 | 335 | 451 |
| | a) | Interest/discount on advances/bills | 3852 | 4165 | 860 | 1001 | 397 | 471 | 75 | 86 |
| | b) | Income on Investments | 1026 | 1120 | 1233 | 1614 | 186 | 246 | - | 7 |
| | c) | Interest on balances with | 1000 | 1235 | 1103 | 1608 | 372 | 397 | 260 | 358 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | d) | Others | - | - | - | - | - | - | - | - |
II. | Other income | 250 | 318 | 305 | 418 | 67 | 38 | 8 | 11 |
| | a) | Commission, exchange and brokerage | 49 | 64 | 246 | 227 | 40 | 18 | 7 | 9 |
| | b) | Other miscellaneous income | 201
| 254
| 59
| 191
| 27
| 20
| 1
| 2
|
Total(I+II)
| 6128
| 6837
| 3501
| 4642
| 1023
| 1152
| 343
| 462
|
Expenditure & Provisions | | | | | | | | |
III. | Interest expended | 3046 | 3544 | 3036 | 3450 | 540 | 598 | 297 | 383 |
| | a) | Interest on deposits | 1976 | 2555 | 2896 | 3325 | 418 | 467 | 290 | 371 |
| | b) | Interest on RBI/inter-bank borrowings | 1070 | 989 | 140 | 125 | 122 | 131 | 7 | 11 |
| | c) | Others | - | - | - | - | - | - | - | - |
IV. | Operating expenses | 1852 | 2038 | 1257 | 1482 | 158 | 198 | 220 | 259 |
| | a) | Payments to and provisions for employees | 1610 | 1756 | 1151 | 1359 | 134 | 169 | 194 | 225 |
| | b) | Rent, taxes and lighting | 38 | 43 | 25 | 27 | 5 | 6 | 4 | 5 |
| | c) | Printing and stationery | 22 | 23 | 14 | 14 | 2 | 2 | 2 | 3 |
| | d) | Advertisement and publicity | - | 1 | - | - | - | - | - | - |
| | e) | Depreciation on Bank's property | 14 | 19 | 4 | 4 | 3 | 3 | 1 | 1 |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | - | - | - | - |
| | g) | Auditors' fees and expenses | 3 | 3 | 2 | 2 | 1 | 1 | - | - |
| | h) | Law charges | 1 | 1 | 1 | 1 | - | - | - | - |
| | i) | Postage, telegrams, telephones, etc. | 21 | 26 | 1 | 1 | 1 | 1 | 1 | 1 |
| | j) | Repairs and maintenance | 3 | 4 | 1 | 2 | - | - | - | - |
| | k) | Insurance | 13 | 16 | 18 | 24 | 3 | 3 | 6 | 8 |
| | l) | Other expenditure | 126 | 144 | 38 | 47 | 10 | 12 | 11 | 56 |
V. | Provisions and contingencies | 308 | 122 | 16 | - | 41 | 45 | 23 | 42 |
| | Total expenses* | 4898 | 5582 | 4292 | 4932 | 699 | 795 | 517 | 641 |
VI. | Profit | 922
| 1135
| - 808
| - 290
| 283
| 312
| -197
| - 221
|
Total (III+IV+V+VI)
| 6128
| 6837
| 3501
| 4642
| 1023
| 1152
| 343
| 462
|