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Date : Nov 20, 2000

Table 49 : Liabilities and Assets of Regional Rural Banks : 1999 and 2000
(Part 6 of 13)

							(Amount in Rs. lakh)
			As on March 31
Items			Indore Ujjain		Jaipur Nagaur Anchalik		Jammu Rural
			Gramin Bank		Gramin Bank		Bank
			1999	2000	1999	2000	1999	2000
			(151)	(152)	(153)	(154)	(155)	(156)
1.	Capital		100	100	100	100	100	100
			(1.5)	(1.3)	(0.3)	(0.2)	(0.4)	(0.3)

2.	Reserves and Surplus		528	528	1085	1162	1703	2235
			(8.0)	(6.7)	(3.0)	(2.9)	(6.0)	(6.2)

3.	Deposits		4941	6094	28674	31424	22356	27655
			(74.5)	(76.8)	(79.7)	(78.3)	(78.6)	(77.2)
	3.1.	Demand deposits	268	383	1608	1619	743	832
	3.2.	Savings bank deposits	1418	1601	10801	10890	8197	9864
	3.3.	Term deposits	3255	4110	16265	18915	13415	16958

4.	Borrowings		721	903	1772	2580	1275	1531
			(10.9)	(11.4)	(4.9)	(6.4)	(4.5)	(4.3)
	4.1.	From banks*	—	34	—	35	—	10
	4.2.	From others	721	869	1772	2546	1275	1521

5.	Other liabilities		338	314	4361	4858	3003	4282
			(5.1)	(4.0)	(12.1)	(12.1)	(10.6)	(12.0)
	5.1.	Bills Payable	24	36	555	105	27	28
	5.2.	Inter-office adjustments	11	6	—	58	60	41
	5.3.	Interest accrued	12	14	2725	3769	2433	3668
	5.4.	Others (including provisions)	291	259	1081	925	483	545
	Total Liabilities		6628	7939	35992	40124	28437	35803
1.	Cash in hand		53	46	950	669	181	228
			(0.8)	(0.6)	(2.6)	(1.7)	(0.6)	(0.6)

2.	Balances with RBI		159	180	1020	1116	740	892
			(2.4)	(2.3)	(2.8)	(2.8)	(2.6)	(2.5)

3.	Balances with banks in India		2134	3175	11769	12904	22430	29060
			(32.2)	(40.0)	(32.7)	(32.2)	(78.9)	(81.2)

4.	Money at call and short notice		—	—	—	—	—	—
			(—)	(—)	(—)	(—)	(—)	(—)

5.	Investments		1193	1085	13146	14446	14	—
			(18.0)	(13.7)	(36.5)	(36.0)	(—)	(—)

6.	Advances		2469	2904	6661	8975	4152	4705
			(37.3)	(36.6)	(18.5)	(22.4)	(14.6)	(13.1)
	6.1.	Bills purchased and discounted	—	—	10	23	111	143
	6.2.	Cash credits, overdrafts & loans	662	768	1875	2361	173	212
	6.3.	Term loans	1808	2136	4777	6591	3868	4349

7.	Fixed Assets		17	15	16	18	47	55
			(0.2)	(0.2)	(—)	(—)	(0.2)	(0.2)

8.	Other Assets		603	533	2431	1996	874	863
			(9.1)	(6.7)	(6.8)	(5.0)	(3.1)	(2.4)
	8.1.	Inter - office adjustments (net)	—	—	15	—	—	—
	8.2.	Interest accrued	54	89	1529	1895	850	840
	8.3.	Others	549	444	887	101	23	23
	Total Assets		6628	7939	35992	40124	28437	35803
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Jamnagar		Jamuna		Jhbua Dhar Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(157)	(158)	(159)	(160)	(161)	(162)
1.	Capital		100	100	100	100	100	100
			(0.8)	(0.6)	(0.6)	(0.6)	(0.7)	(0.5)

2.	Reserves and Surplus		1101	1101	948	994	—	528
			(8.4)	(7.0)	(5.6)	(5.7)	(—)	(2.9)

3.	Deposits		8556	10094	13066	13895	12361	14705
			(65.0)	(64.5)	(77.7)	(79.8)	(82.3)	(80.2)
	3.1.	Demand deposits	58	65	743	287	546	579
	3.2.	Savings bank deposits	2829	3079	3824	4379	4644	5136
	3.3.	Term deposits	5669	6950	8499	9229	7172	8989

4.	Borrowings		2344	2735	1674	1654	1757	2215
			(17.8)	(17.5)	(10.0)	(9.5)	(11.7)	(12.1)
	4.1.	From banks*	553	718	223	258	—	—
	4.2.	From others	1792	2016	1452	1396	1757	2215

5.	Other liabilities		1061	1614	1073	773	810	789
			(8.1)	(10.3)	(6.4)	(4.4)	(5.4)	(4.3)
	5.1.	Bills Payable	—	—	103	16	9	2
	5.2.	Inter-office adjustments	4	10	679	421	148	52
	5.3.	Interest accrued	932	1472	28	52	76	82
	5.4.	Others (including provisions)	125	132	264	284	577	653
	Total Liabilities		13162	15643	16824	17416	15028	18337
1.	Cash in hand		72	56	715	427	344	261
			(0.5)	(0.4)	(4.2)	(2.5)	(2.3)	(1.4)

2.	Balances with RBI		278	364	360	384	360	430
			(2.1)	(2.3)	(2.1)	(2.2)	(2.4)	(2.3)

3.	Balances with banks in India		4416	4335	7725	8200	4746	6578
			(33.5)	(27.7)	(45.9)	(47.1)	(31.6)	(35.9)

4.	Money at call and short notice		—	—	—	—	—	—
			(—)	(—)	(—)	(—)	(—)	(—)

5.	Investments		2351	3607	2423	3132	618	643
			(17.9)	(23.1)	(14.4)	(18.0)	(4.1)	(3.5)

6.	Advances		4224	5857	5026	4816	5613	6927
			(32.1)	(37.4)	(29.9)	(27.7)	(37.4)	(37.8)
	6.1.	Bills purchased and discounted	2	2	13	6	1	4
	6.2.	Cash credits, overdrafts & loans	3254	4489	953	963	127	128
	6.3.	Term loans	968	1365	4060	3846	5485	6794

7.	Fixed Assets		8	15	23	21	15	21
			(0.1)	(0.1)	(0.1)	(0.1)	(0.1)	(0.1)

8.	Other Assets		1814	1410	553	436	3333	3477
			(13.8)	(9.0)	(3.3)	(2.5)	(22.2)	(19.0)
	8.1.	Inter - office adjustments (net)	1018	—	—	—	—	—
	8.2.	Interest accrued	—	902	225	283	—	—
	8.3.	Others	796	509	328	154	3333	3477
	Total Assets		13162	15643	16824	17416	15028	18337
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Junagadh Amreli		Ka Bank		Kakathiya
			Gramin Bank		Nongkyndong		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(163)	(164)	(165)	(166)	(167)	(168)
1.	Capital		100	100	100	100	100	100
			(1.4)	(1.2)	(0.9)	(0.8)	(1.0)	(0.7)

2.	Reserves and Surplus		464	464	917	1261	910	938
			(6.5)	(5.7)	(8.5)	(9.9)	(8.7)	(7.0)

3.	Deposits		4769	5621	8175	9897	6623	8939
			(67.2)	(68.7)	(75.9)	(77.4)	(63.0)	(66.9)
	3.1.	Demand deposits	47	39	672	965	494	400
	3.2.	Savings bank deposits	1299	1401	3596	4114	2041	2239
	3.3.	Term deposits	3423	4181	3907	4818	4087	6299

4.	Borrowings		1248	1305	755	658	1975	1881
			(17.6)	(15.9)	(7.0)	(5.1)	(18.8)	(14.1)
	4.1.	From banks*	254	339	16	15	726	749
	4.2.	From others	994	967	739	643	1249	1132

5.	Other liabilities		512	695	831	877	902	1506
			(7.2)	(8.5)	(7.7)	(6.9)	(8.6)	(11.3)
	5.1.	Bills Payable	6	8	—	—	—	—
	5.2.	Inter-office adjustments	49	4	—	—	67	—
	5.3.	Interest accrued	370	583	556	540	555	1031
	5.4.	Others (including provisions)	87	100	375	336	280	474
	Total Liabilities		7093	8185	10777	12793	10510	13363
1.	Cash in hand		146	81.00	56	64	314	354
			(2.1)	(1.0)	(0.5)	(0.5)	(3.0)	(2.6)

2.	Balances with RBI		182	185	290	297	195	327
			(2.6)	(2.3)	(2.7)	(2.3)	(1.9)	(2.4)

3.	Balances with banks in India		39	17	4601	6056	4082	4955
			(0.5)	(0.2)	(42.7)	(47.3)	(38.8)	(37.1)

4.	Money at call and short notice		1829	2098	—	—	—	—
			(25.8)	(25.6)	(—)	(0.0)	(0.0)	(0.0)

5.	Investments		1977	2617	3835	3660	118	218
			(27.9)	(32.0)	(35.6)	(28.6)	(1.1)	(1.6)

6.	Advances		2118	2643	1661	1863	4555	6152
			(29.9)	(32.3)	(15.4)	(14.6)	(43.3)	(46.0)
	6.1.	Bills purchased and discounted	—	—	—	—	—	—
	6.2.	Cash credits, overdrafts & loans	1351	1847	652	648	4211	5686
	6.3.	Term loans	766	796	1009	1215	344	465

7.	Fixed Assets		11	12	13	14	36	57
			(0.2)	(0.1)	(0.1)	(0.1)	(0.3)	(0.4)

8.	Other Assets		791	531	323	840	1209	1301
			(11.2)	(6.5)	(3.0)	(6.6)	(11.5)	(9.7)
	8.1.	Inter - office adjustments (net)	67	39	—	536	—	111
	8.2.	Interest accrued	466	407	309	296	35	49
	8.3.	Others	259	85	14	8	1174	1141
	Total Assets		7093	8185	10777	12793	10510	13363
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Kalahandi Anchalika		Kalpatharu		Kamraz
			Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(169)	(170)	(171)	(172)	(173)	(174)
1.	Capital		100	100	100	100	100	100
			(0.8)	(0.7)	(0.6)	(0.6)	(0.6)	(0.6)

2.	Reserves and Surplus		2014	2116	1349	1349	2784	1008
			(15.8)	(14.0)	(8.5)	(7.5)	(17.9)	(5.7)

3.	Deposits		7796	8895	10817	12535	11666	15060
			(61.2)	(58.7)	(68.1)	(69.3)	(75.0)	(85.7)
	3.1.	Demand deposits	1507	1036	672	956	1909	2659
	3.2.	Savings bank deposits	3655	4306	4337	4551	5244	6889
	3.3.	Term deposits	2635	3554	5808	7029	4513	5512

4.	Borrowings		1905	2423	2215	2132	546	609
			(15.0)	(16.0)	(13.9)	(11.8)	(3.5)	(3.5)
	4.1.	From banks*	195	256	234	252	133	179
	4.2.	From others	1710	2167	1981	1881	433	430

5.	Other liabilities		927	1630	1412	1970	457	791
			(7.3)	(10.7)	(8.9)	(10.9)	(2.9)	(4.5)
	5.1.	Bills Payable	—	—	—	12	10	6
	5.2.	Inter-office adjustments	—	—	—	—	40	150
	5.3.	Interest accrued	462	649	917	1234	139	188
	5.4.	Others (including provisions)	464	981	495	725	268	447
	Total Liabilities		12741	15164	15894	18086	15553	17569
1.	Cash in hand		188	279	221	328	38	45
			(1.5)	(1.8)	(1.4)	(1.8)	(0.2)	(0.3)

2.	Balances with RBI		214	214	326	378	352	415
			(1.7)	(1.4)	(2.1)	(2.1)	(2.3)	(2.4)

3.	Balances with banks in India		3469	3782	1927	2225	7209	11230
			(27.2)	(24.9)	(12.1)	(12.3)	(46.4)	(63.9)

4.	Money at call and short notice		—	—	—	3751	—	—
			(—)	(—)	(—)	(20.7)	(—)	(—)

5.	Investments		1326	1592	5447	2392	692	320
			(10.4)	(10.5)	(34.3)	(13.2)	(4.4)	(1.8)

6.	Advances		4651	5726	6219	7565	1952	2219
			(36.5)	(37.8)	(39.1)	(41.8)	(12.7)	(12.6)
	6.1.	Bills purchased and discounted	87	—	394	409	—	1
	6.2.	Cash credits, overdrafts & loans	1308	2728	2474	3118	898	993
	6.3.	Term loans	3256	2998	3351	4039	1054	1225

7.	Fixed Assets		16	14	31	36	28	40
			(0.1)	(0.1)	(0.2)	(0.2)	(0.2)	(0.2)

8.	Other Assets		2877	3557	1722	1411	5283	3299
			(22.6)	(23.5)	(10.8)	(7.8)	(34.0)	(18.8)
	8.1.	Inter - office adjustments (net)	255	778	26	—	—	—
	8.2.	Interest accrued	328	510	363	332	90	224
	8.3.	Others	2294	2270	1333	1080	5193	3075
	Total Assets		12741	15164	15894	18086	15553	17569
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Kanakadurga		Kanpur Kshetriya		Kapurthala Firozpur
			Gramin Bank		Gramin Bank		Kshetriya Gramin Bank
			1999	2000	1999	2000	1999	2000
			(175)	(176)	(177)	(178)	(179)	(180)
1.	Capital		100	100	100	100	100	100
			(1.3)	(1.2)	(0.3)	(0.3)	(1.1)	(0.9)

2.	Reserves and Surplus		746	974	2801	3141	786	901
			(10.0)	(11.8)	(8.6)	(8.5)	(8.6)	(8.6)

3.	Deposits		4687	5202	25199	29518	6975	8364
			(62.6)	(62.9)	(77.6)	(79.6)	(76.1)	(79.4)
	3.1.	Demand deposits	149	138	1028	1205	232	176
	3.2.	Savings bank deposits	1573	1346	10808	11771	2530	3196
	3.3.	Term deposits	2964	3718	13364	16542	4214	4992

4.	Borrowings		1458	1526	3004	2962	657	751
			(19.5)	(18.4)	(9.2)	(8.0)	(7.2)	(7.1)
	4.1.	From banks*	299	391	193	188	119	147
	4.2.	From others	1159	1135	2810	2774	537	604

5.	Other liabilities		502	471	1376	1362	645	413
			(6.7)	(5.7)	(4.2)	(3.7)	(7.0)	(3.9)
	5.1.	Bills Payable	—	—	250	279	14	2
	5.2.	Inter-office adjustments	63	73	—	—	—	—
	5.3.	Interest accrued	25	27	266	304	22	22
	5.4.	Others (including provisions)	414	371	861	779	608	389
	Total Liabilities		7493	8273	32481	37083	9163	10529
1.	Cash in hand		140	131	237	209	179	106
			(1.9)	(1.6)	(0.7)	(0.6)	(2.0)	(1.0)

2.	Balances with RBI		137	153	810	910	221	256
			(1.8)	(1.8)	(2.5)	(2.5)	(2.4)	(2.4)

3.	Balances with banks in India		2532	2966	3125	3993	3098	3922
			(33.8)	(35.9)	(9.6)	(10.8)	(33.8)	(37.2)

4.	Money at call and short notice		—	—	8504	—	—	—
			(—)	(—)	(26.2)	(—)	(—)	(—)

5.	Investments		632	882	8391	20122	2232	2585
			(8.4)	(10.7)	(25.8)	(54.3)	(24.4)	(24.6)

6.	Advances		3844	3919	6156	7098	2362	2675
			(51.3)	(47.4)	(19.0)	(19.1)	(25.8)	(25.4)
	6.1.	Bills purchased and discounted	176	18	—	—	1	1
	6.2.	Cash credits, overdrafts & loans	2511	2688	980	1010	1041	1239
	6.3.	Term loans	1157	1212	5176	6088	1320	1435

7.	Fixed Assets		53	51	35	38	14	18
			(0.7)	(0.6)	(0.1)	(0.1)	(0.2)	(0.2)

8.	Other Assets		154	171	5223	4712	1057	969
			(2.0)	(2.1)	(16.1)	(12.7)	(11.5)	(9.2)
	8.1.	Inter - office adjustments (net)	—	—	89	177	28	30
	8.2.	Interest accrued	65	91	1394	1370	242	287
	8.3.	Others	89	81	3740	3166	787	652
	Total Assets		7493	8273	32481	37083	9163	10529
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Notes
1.	Figures in bracket indicate per cent share in total.
2.	* : Including Reserve Bank of India.
Source	: Annual accounts of banks of respective years.