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Date : Nov 20, 2000

Table 49 : Liabilities and Assets of Regional Rural Banks : 1999 and 2000
(Part 7 of 13)

							(Amount in Rs. lakh)
			As on March 31
Items			Kashi		Kisan		Kolar
			Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(181)	(182)	(183)	(184)	(185)	(186)
1.	Capital		100	100	100	100	100	100
			(0.4)	(0.3)	(0.9)	(0.8)	(0.7)	(0.7)

2.	Reserves and Surplus		2528	2528	1554	1554	1483	1483
			(9.9)	(8.6)	(14.0)	(12.5)	(10.7)	(9.8)

3.	Deposits		21464	25186	7876	9304	9323	10922
			(83.9)	(85.4)	(70.9)	(74.6)	(67.2)	(72.4)
	3.1.	Demand deposits	1034	1773	674	767	386	364
	3.2.	Savings bank deposits	8981	9865	4185	5068	2872	3358
	3.3.	Term deposits	11449	13547	3017	3469	6066	7200

4.	Borrowings		937	1126	948	834	2329	2078
			(3.7)	(3.8)	(8.5)	(6.7)	(16.8)	(13.8)
	4.1.	From banks*	20	20	74	68	392	432
	4.2.	From others	917	1106	874	766	1937	1645

5.	Other liabilities		567	558	629	680	632	507
			(2.2)	(1.9)	(5.7)	(5.5)	(4.6)	(3.4)
	5.1.	Bills Payable	—	—	18	12	274	119
	5.2.	Inter-office adjustments	25	10	—	4	88	113
	5.3.	Interest accrued	12	11	16	28	39	34
	5.4.	Others (including provisions)	529	538	594	635	231	242
	Total Liabilities		25596	29498	11107	12472	13867	15089
1.	Cash in hand		245	383	120	106	274	350
			(1.0)	(1.3)	(1.1)	(0.8)	(2.0)	(2.3)

2.	Balances with RBI		636	750	257	265	329	388
			(2.5)	(2.5)	(2.3)	(2.1)	(2.4)	(2.6)

3.	Balances with banks in India		9343	9586	4551	4965	4275	4193
			(36.5)	(32.5)	(41.0)	(39.8)	(30.8)	(27.8)

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

5.	Investments		6821	9821	989	1383	2562	2983
			(26.6)	(33.3)	(8.9)	(11.1)	(18.5)	(19.8)

6.	Advances		4589	5476	2867	3194	5596	6589
			(17.9)	(18.6)	(25.8)	(25.6)	(40.4)	(43.7)
	6.1.	Bills purchased and discounted	155	131	—	—	1	4
	6.2.	Cash credits, overdrafts & loans	663	1079	389	951	3780	3648
	6.3.	Term loans	3771	4266	2478	2243	1814	2937

7.	Fixed Assets		28	54	26	27	30	35
			(0.1)	(0.2)	(0.2)	(0.2)	(0.2)	(0.2)

8.	Other Assets		3933	3429	2298	2531	801	551
			(15.4)	(11.6)	(20.7)	(20.3)	(5.8)	(3.7)
	8.1.	Inter - office adjustments (net)	—	—	54	—	—	—
	8.2.	Interest accrued	767	554	613	969	168	223
	8.3.	Others	3165	2875	1632	1561	634	328
	Total Assets		25596	29498	11107	12472	13867	15089
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Koraput Panchabati		Kosi Kshetriya		Krishna
			Gramin Bank		Gramin Bank		Grameen Bank
			1999	2000	1999	2000	1999	2000
			(187)	(188)	(189)	(190)	(191)	(192)
1.	Capital		100	100	100	100	100	100
			(0.4)	(0.4)	(0.4)	(0.3)	(0.4)	(0.3)

2.	Reserves and Surplus		724	796	—	1219	1783	1783
			(3.1)	(3.2)	(—)	(4.0)	(6.4)	(5.5)

3.	Deposits		13923	15500	20584	27120	15861	19080
			(60.2)	(61.6)	(84.0)	(88.2)	(56.8)	(58.4)
	3.1.	Demand deposits	1661	1687	1532	1925	582	628
	3.2.	Savings bank deposits	6654	7102	8653	12915	4959	5557
	3.3.	Term deposits	5608	6711	10399	12280	10320	12896

4.	Borrowings		3680	3619	754	818	6888	7945
			(15.9)	(14.4)	(3.1)	(2.7)	(24.7)	(24.3)
	4.1.	From banks*	304	375	12	99	1322	1824
	4.2.	From others	3376	3244	743	719	5567	6121

5.	Other liabilities		4710	5142	3063	1508	3298	3773
			(20.4)	(20.4)	(12.5)	(4.9)	(11.8)	(11.5)
	5.1.	Bills Payable	—	—	—	—	44	46
	5.2.	Inter-office adjustments	—	—	42	47	63	285
	5.3.	Interest accrued	1110	1591	12	86	1970	2768
	5.4.	Others (including provisions)	3601	3551	3008	1375	1221	674
	Total Liabilities		23137	25157	24502	30764	27931	32682
1.	Cash in hand		77	114	285	354	303	326
			(0.3)	(0.5)	(1.2)	(1.2)	(1.1)	(1.0)

2.	Balances with RBI		393	456	607	771	614	605
			(1.7)	(1.8)	(2.5)	(2.5)	(2.2)	(1.9)

3.	Balances with banks in India		1113	885	8874	13386	945	8373
			(4.8)	(3.5)	(36.2)	(43.5)	(3.4)	(25.6)

4.	Money at call and short notice		—	—	—	—	5110	—
			(—)	(—)	(—)	(—)	(18.3)	(—)

5.	Investments		9591	10937	212	299	4774	5819
			(41.5)	(43.5)	(0.9)	(1.0)	(17.1)	(17.8)

6.	Advances		9703	10285	6077	5726	13609	15177
			(41.9)	(40.9)	(24.8)	(18.6)	(48.7)	(46.4)
	6.1.	Bills purchased and discounted	—	—	—	—	—	—
	6.2.	Cash credits, overdrafts & loans	4081	4671	1249	1506	9029	10591
	6.3.	Term loans	5623	5613	4828	4220	4579	4586

7.	Fixed Assets		23	27	38	43	35	38
			(0.1)	(0.1)	(0.2)	(0.1)	(0.1)	(0.1)

8.	Other Assets		2237	2454	8408	10184	2541	2343
			(9.7)	(9.8)	(34.3)	(33.1)	(9.1)	(7.2)
	8.1.	Inter - office adjustments (net)	1045	1017	11	187	1	289
	8.2.	Interest accrued	693	1044	834	2110	986	1088
	8.3.	Others	499	392	7564	7887	1555	965
	Total Assets		23137	25157	24502	30764	27931	32682
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Kshetriya		Kutch		K.Kisan
			Gramin Bank		Gramin Bank		Grameen Bank
			1999	2000	1999	2000	1999	2000
			(193)	(194)	(195)	(196)	(197)	(198)
1.	Capital		100	100	100	100	100	100
			(0.5)	(0.4)	(0.9)	(0.8)	(1.0)	(0.7)

2.	Reserves and Surplus		2570	2570	756	756	1	851
			(13.6)	(11.4)	(6.9)	(5.7)	(—)	(6.2)

3.	Deposits		13711	17252	8159	9766	8618	10605
			(72.7)	(76.3)	(74.7)	(73.9)	(79.2)	(76.8)
	3.1.	Demand deposits	467	555	228	257	242	378
	3.2.	Savings bank deposits	5559	6869	2680	3570	3688	4323
	3.3.	Term deposits	7686	9828	5252	5940	4688	5903

4.	Borrowings		1593	1794	960	1325	1046	1143
			(8.4)	(7.9)	(8.8)	(10.0)	(9.6)	(8.3)
	4.1.	From banks*	94	105	82	110	80	80
	4.2.	From others	1498	1688	878	1215	966	1063

5.	Other liabilities		883	907	950	1267	1115	1113
			(4.7)	(4.0)	(8.7)	(9.6)	(10.2)	(8.1)
	5.1.	Bills Payable	15	23	25	56	15	22
	5.2.	Inter-office adjustments	—	—	—	36	44	44
	5.3.	Interest accrued	96	111	713	1020	28	32
	5.4.	Others (including provisions)	772	773	212	156	1028	1015
	Total Liabilities		18857	22623	10926	13215	10880	13811
1.	Cash in hand		215	312.00	69	116.00	119	207
			(1.1)	(1.4)	(0.6)	(0.9)	(1.1)	(1.5)

2.	Balances with RBI		411	485	265	311	261	316
			(2.2)	(2.1)	(2.4)	(2.4)	(2.4)	(2.3)

3.	Balances with banks in India		8052	9638	1813	2531	2745	4671
			(42.7)	(42.6)	(16.6)	(19.2)	(25.2)	(33.8)

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

5.	Investments		576	824	5093	6143	646	646
			(3.1)	(3.6)	(46.6)	(46.5)	(5.9)	(4.7)

6.	Advances		6032	7485	2876	3460	4417	4978
			(32.0)	(33.1)	(26.3)	(26.2)	(40.6)	(36.0)
	6.1.	Bills purchased and discounted	—	—	1	19	—	—
	6.2.	Cash credits, overdrafts & loans	713	952	651	861	325	437
	6.3.	Term loans	5319	6533	2224	2580	4066	4541

7.	Fixed Assets		27	37	45	46	26	23
			(0.1)	(0.2)	(0.4)	(0.3)	(0.2)	(—)

8.	Other Assets		3545	3841	765	608	2693	2970
			(18.8)	(17.0)	(7.0)	(4.6)	(24.8)	(0.2)
	8.1.	Inter - office adjustments (net)	35	8	3	—	—	—
	8.2.	Interest accrued	729	1305	50	67	227	323
	8.3.	Others	2780	2528	712	541	2466	2647
	Total Assets		18857	22623	10926	13215	10880	13811
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Lakhimi Gaonlia		Langpi Dehangi		Madhubani Kshetriya
			Bank		Rural Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(199)	(200)	(201)	(202)	(203)	(204)
1.	Capital		96	96	84	93	100	100
			(0.7)	(0.5)	(1.4)	(1.4)	(1.0)	(0.8)

2.	Reserves and Surplus		—	2092	1107	1107	—	650
			(—)	(10.2)	(18.4)	(16.7)	(—)	(5.2)

3.	Deposits		15097	17253	3653	4153	8938	10970
			(89.4)	(84.5)	(60.7)	(62.7)	(91.3)	(87.3)
	3.1.	Demand deposits	1013	919	405	328	770	1123
	3.2.	Savings bank deposits	7618	8547	1961	2295	3132	3846
	3.3.	Term deposits	6466	7787	1287	1530	5036	6001

4.	Borrowings		717	618	238	186	382	388
			(4.2)	(3.0)	(3.9)	(2.8)	(3.9)	(3.1)
	4.1.	From banks*	—	—	25	—	—	4
	4.2.	From others	717	618	213	186	382	384

5.	Other liabilities		978	347	936	1090	368	451
			(5.8)	(1.7)	(15.5)	(16.4)	(3.8)	(3.6)
	5.1.	Bills Payable	—	—	—	—	—	—
	5.2.	Inter-office adjustments	3	20	—	13	—	—
	5.3.	Interest accrued	115	153	277	357	10	13
	5.4.	Others (including provisions)	860	174	658	719	358	439
	Total Liabilities		16888	20407	6017	6628	9788	12560
1.	Cash in hand		159	194	19	21	74	128
			(0.9)	(0.9)	(0.3)	(0.3)	(0.8)	(1.0)

2.	Balances with RBI		456	525	115	143	272	324
			(2.7)	(2.6)	(1.9)	(2.2)	(2.8)	(2.6)

3.	Balances with banks in India		2353	2934	353	187	3366	5139
			(13.9)	(14.4)	(5.9)	(2.8)	(34.4)	(40.9)

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

5.	Investments		7497	9728	2670	3381	100	168
			(44.4)	(47.7)	(44.4)	(51.0)	(1.0)	(1.3)

6.	Advances		2208	2413	1108	1173	1785	1802
			(13.1)	(11.8)	(18.4)	(17.7)	(18.2)	(14.3)
	6.1.	Bills purchased and discounted	—	—	—	—	—	—
	6.2.	Cash credits, overdrafts & loans	583	734	384	407	299	377
	6.3.	Term loans	1625	1685	724	767	1486	1425

7.	Fixed Assets		26	28	8	9	11	16
			(0.2)	(0.1)	(0.1)	(0.1)	(0.1)	(0.1)

8.	Other Assets		4188	4585	1744	1713	4180	4984
			(24.8)	(22.5)	(29.0)	(25.8)	(42.7)	(39.7)
	8.1.	Inter - office adjustments (net)	—	—	2	50	—	38
	8.2.	Interest accrued	68	86	162	—	207	480
	8.3.	Others	4120	4499	1580	1663	3973	4466
	Total Assets		16888	20407	6017	6628	9788	12560
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Magadh		Mahakaushal Kshetriya		Malaprabha
			Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(205)	(206)	(207)	(208)	(209)	(210)
1.	Capital		100	100	100	100	100	100
			(0.2)	(0.2)	(2.4)	(1.8)	(0.2)	(0.1)

2.	Reserves and Surplus		2256	2256	—	—	2748	4596
			(4.9)	(4.2)	(—)	(—)	(4.7)	(6.3)

3.	Deposits		37415	42330	3312	4469	37890	49733
			(81.4)	(79.7)	(80.6)	(82.5)	(64.4)	(68.2)
	3.1.	Demand deposits	674	1236	238	304	1052	1332
	3.2.	Savings bank deposits	19937	21003	1323	1832	12832	15964
	3.3.	Term deposits	16804	20091	1751	2333	24005	32438

4.	Borrowings		1472	1660	58	87	14393	15197
			(3.2)	(3.1)	(1.4)	(1.6)	(24.5)	(20.8)
	4.1.	From banks*	130	130	—	—	3069	3700
	4.2.	From others	1342	1530	58	87	11325	11497

5.	Other liabilities		4697	6782	642	762	3695	3306
			(10.2)	(12.8)	(15.6)	(14.1)	(6.3)	(4.5)
	5.1.	Bills Payable	51	32	53	81	797	638
	5.2.	Inter-office adjustments	654	1089	—	—	278	—
	5.3.	Interest accrued	49	51	229	316	222	256
	5.4.	Others (including provisions)	3942	5610	359	365	2398	2412
	Total Liabilities		45938	53127	4112	5419	58826	72932
1.	Cash in hand		409	520.00	107	97.00	1451	1549.00
			(0.9)	(1.0)	(2.6)	(1.8)	(2.5)	(2.1)

2.	Balances with RBI		1170	1426	110	130	1107	1329
			(2.5)	(2.7)	(2.7)	(2.4)	(1.9)	(1.8)

3.	Balances with banks in India		12686	17338	1220	1966	14816	16598
			(27.6)	(32.6)	(29.7)	(36.3)	(25.2)	(22.8)

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

5.	Investments		16403	18288	70	70	8289	11022
			(35.7)	(34.4)	(1.7)	(1.3)	(14.1)	(15.1)

6.	Advances		10239	10300	717	989	29211	37848
			(22.3)	(19.4)	(17.4)	(18.3)	(49.7)	(51.9)
	6.1.	Bills purchased and discounted	—	—	—	—	70	65
	6.2.	Cash credits, overdrafts & loans	1200	1604	139	249	14311	17917
	6.3.	Term loans	9039	8696	578	740	14831	19866

7.	Fixed Assets		44	47	10	12	185	223
			(0.1)	(0.1)	(0.2)	(0.2)	(0.3)	(0.3)

8.	Other Assets		4987	5207	1878	2154	3767	4364
			(10.9)	(9.8)	(45.7)	(39.7)	(6.4)	(6.0)
	8.1.	Inter - office adjustments (net)	—	—	38	52	—	126
	8.2.	Interest accrued	2343	2822	17	28	230	141
	8.3.	Others	2644	2385	1823	2074	3537	4097
	Total Assets		45938	53127	4112	5419	58826	72932
			(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.