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Date : Nov 20, 2000

Table 49 : Liabilities and Assets of Regional Rural Banks : 1999 and 2000
(Part 11 of 13)

							(Amount in Rs. lakh)
			As on March 31
Items			Sagar		Sahyadri		Samastipur
			Gramin Bank		Gramin Bank		Kshetriya Gramin Bank
			1999	2000	1999	2000	1999	2000
			(301)	(302)	(303)	(304)	(305)	(306)
1.	Capital		96	96	100	100	100	100
			(0.3)	(0.2)	(1.4)	(1.2)	(0.6)	(0.5)

2.	Reserves and Surplus		2203	2316	516	518	—	1018
			(6.0)	(5.2)	(7.5)	(6.1)	(—)	(5.2)

3.	Deposits		29802	37259	4395	5534	12493	14596
			(80.9)	(83.2)	(63.5)	(65.7)	(79.3)	(74.9)
	3.1.	Demand deposits	193	212	194	302	604	691
	3.2.	Savings bank deposits	11384	14393	1491	1744	6203	7238
	3.3.	Term deposits	18225	22654	2710	3487	5686	6667

4.	Borrowings		927	994	1726	1999	1248	1363
			(2.5)	(2.2)	(24.9)	(23.7)	(7.9)	(7.0)
	4.1.	From banks*	—	—	196	205	51	338
	4.2.	From others	927	994	1530	1794	1197	1025

5.	Other liabilities		3812	4104	189	273	1906	2406
			(10.3)	(9.2)	(2.7)	(3.2)	(12.1)	(12.3)
	5.1.	Bills Payable	376	597	76	103	—	—
	5.2.	Inter-office adjustments	10	—	19	78	—	—
	5.3.	Interest accrued	348	350	48	39	1339	1807
	5.4.	Others (including provisions)	3077	3157	47	54	567	599
	Total Liabilities		36841	44770	6926	8425	15747	19484
1.	Cash in hand		311	290	107	145	52	82
			(0.8)	(0.6)	(1.5)	(1.7)	(0.3)	(0.4)

2.	Balances with RBI		993	1107	147	174	427	483
			(2.7)	(2.5)	(2.1)	(2.1)	(2.7)	(2.5)

3.	Balances with banks in India		10220	12107	2534	3063	6532	10074
			(27.7)	(27.0)	(36.6)	(36.4)	(41.5)	(51.7)

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

5.	Investments		12704	16878	766	1061	2918	2718
			(34.5)	(37.7)	(11.1)	(12.6)	(18.5)	(13.9)

6.	Advances		6887	8021	2987	3824	2498	2915
			(18.7)	(17.9)	(43.1)	(45.4)	(15.9)	(15.0)
	6.1.	Bills purchased and discounted	—	—	—	—	—	—
	6.2.	Cash credits, overdrafts & loans	61	114	1244	1608	1314	1604
	6.3.	Term loans	6825	7907	1743	2216	1185	1311

7.	Fixed Assets		57	56	21	19	26	29
			(0.2)	(0.1)	(0.3)	(0.2)	(0.2)	(0.1)

8.	Other Assets		5670	6311	364	138	3293	3183
			(15.4)	(14.1)	(5.3)	(1.6)	(20.9)	(16.3)
	8.1.	Inter - office adjustments (net)	—	86	—	—	102	104
	8.2.	Interest accrued	1723	2198	113	116	310	398
	8.3.	Others	3947	4028	251	23	2881	2680
	Total Assets		36841	44770	6926	8425	15747	19484
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Samyukt Kshetriya		Sangameshwar		Santhal Parganas
			Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(307)	(308)	(309)	(310)	(311)	(312)
1.	Capital		100	100	100	100	100	100
			(0.2)	(0.1)	(0.6)	(0.5)	(0.4)	(0.4)

2.	Reserves and Surplus		4463	5606	1984	1983	2113	2113
			(6.8)	(7.6)	(20.0)	(10.3)	(7.7)	(7.4)

3.	Deposits		58955	65862	9995	12069	20735	21592
			(89.5)	(89.2)	(60.3)	(62.5)	(75.9)	(76.0)
	3.1.	Demand deposits	3147	2555	484	620	555	740
	3.2.	Savings bank deposits	28152	30248	3627	4414	13439	13140
	3.3.	Term deposits	27656	33059	5884	7036	6742	7712

4.	Borrowings		1460	1341	3132	3307	1478	1144
			(2.2)	(1.8)	(18.9)	(17.1)	(5.4)	(4.0)
	4.1.	From banks*	76	57	705	764	168	38
	4.2.	From others	1384	1284	2427	2543	1310	1106

5.	Other liabilities		889	908	1370	1849	2878	3453
			(1.3)	(1.2)	(8.3)	(9.6)	(10.5)	(12.2)
	5.1.	Bills Payable	222	84	131	121	181	85
	5.2.	Inter-office adjustments	87	142	7	—	—	—
	5.3.	Interest accrued	447	470	1083	1525	1869	2514
	5.4.	Others (including provisions)	134	212	149	203	828	853
	Total Liabilities		65867	73817	16579	19308	27304	28402
1.	Cash in hand		615	834	315	283	102	122
			(0.9)	(1.1)	(1.9)	(1.5)	(0.4)	(0.4)

2.	Balances with RBI		1776	2025	459	383	636	756
			(2.7)	(2.7)	(2.8)	(2.0)	(2.3)	(2.7)

3.	Balances with banks in India		32368	33632	6459	5570	13655	2586
			(49.1)	(45.6)	(38.9)	(28.8)	(50.0)	(9.1)

4.	Money at call and short notice		—	—	—	—	—	11659
			(—)	(—)	(—)	(—)	(—)	(41.0)

5.	Investments		17993	20443	1251	3542	4735	4735
			(27.3)	(27.7)	(7.5)	(18.3)	(17.3)	(16.7)

6.	Advances		5603	6454	6725	8365	3695	4103
			(8.5)	(8.7)	(40.6)	(43.3)	(13.5)	(14.4)
	6.1.	Bills purchased and discounted	2	3	—	—	—	—
	6.2.	Cash credits, overdrafts & loans	387	414	2620	3317	1178	1313
	6.3.	Term loans	5214	6037	4105	5048	2517	2790

7.	Fixed Assets		47	46	27	40	12	13
			(0.1)	(0.1)	(0.2)	(0.2)	(—)	(—)

8.	Other Assets		7464	10383	1342	1125	4470	4429
			(11.3)	(14.1)	(8.1)	(5.8)	(16.4)	(15.6)
	8.1.	Inter - office adjustments (net)	—	8	—	121	116	94
	8.2.	Interest accrued	7115	10190	193	348	2173	2326
	8.3.	Others	349	184	1149	656	2181	2009
	Total Assets		65867	73817	16579	19308	27304	28402
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Saran Kshetriya		Sarayu		Shahajahanpur
			Gramin Bank		Gramin Bank		Kshetriya Gramin Bank
			1999	2000	1999	2000	1999	2000
			(313)	(314)	(315)	(316)	(317)	(318)
1.	Capital		100	100	100	100	100	100
			(0.9)	(0.7)	(0.7)	(0.7)	(0.9)	(0.7)

2.	Reserves and Surplus		—	466	1246	1835	761	1406
			(—)	(3.4)	(9.3)	(12.2)	(7.0)	(10.3)

3.	Deposits		10578	12202	10456	11340	7597	9498
			(90.9)	(88.9)	(77.8)	(75.3)	(69.6)	(69.7)
	3.1.	Demand deposits	84	124	1886	1447	647	728
	3.2.	Savings bank deposits	4710	5087	5426	6066	4150	4971
	3.3.	Term deposits	5783	6991	3143	3827	2801	3798

4.	Borrowings		464	396	1316	1350	1728	1972
			(4.0)	(2.9)	(9.8)	(9.0)	(15.8)	(14.5)
	4.1.	From banks*	—	—	261	301	269	346
	4.2.	From others	464	396	1055	1049	1460	1626

5.	Other liabilities		499	562	315	427	728	653
			(4.3)	(4.1)	(2.3)	(2.8)	(6.7)	(4.8)
	5.1.	Bills Payable	—	—	14	26	55	33
	5.2.	Inter-office adjustments	—	—	—	—	451	386
	5.3.	Interest accrued	50	52	60	64	42	35
	5.4.	Others (including provisions)	449	509	241	338	179	199
	Total Liabilities		11641	13725	13433	15051	10915	13629
1.	Cash in hand		43	88.00	214	241.00	61	41
			(0.4)	(0.6)	(1.6)	(1.6)	(0.6)	(0.3)

2.	Balances with RBI		321	367	318	319	250	285
			(2.8)	(2.7)	(2.4)	(2.1)	(2.3)	(2.1)

3.	Balances with banks in India		5996	7196	287	243	5064	6338
			(51.5)	(52.4)	(2.1)	(1.6)	(46.4)	(46.5)

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

5.	Investments		25	98	8815	9621	1752	1812
			(0.2)	(0.7)	(65.6)	(63.9)	(16.0)	(13.3)

6.	Advances		2348	2781	3107	3829	3432	4591
			(20.2)	(20.3)	(23.1)	(25.4)	(31.4)	(33.7)
	6.1.	Bills purchased and discounted	—	—	—	—	—	—
	6.2.	Cash credits, overdrafts & loans	267	333	1336	1775	1680	2355
	6.3.	Term loans	2081	2449	1771	2053	1172	2236

7.	Fixed Assets		5	5	33	41	12	16
			(—)	(—)	(0.2)	(0.3)	(0.1)	(0.1)

8.	Other Assets		2902	3190	659	757	344	539
			(24.9)	(23.2)	(4.9)	(5.0)	(3.2)	(4.0)
	8.1.	Inter - office adjustments (net)	31	77	80	22	—	—
	8.2.	Interest accrued	16	95	561	701	23	—
	8.3.	Others	2855	3019	18	34	321	539
	Total Assets		11641	13725	13433	15051	10915	13629
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Shahdol Kshetriya		Sharda		Shekhawati
			Gramin Bank		Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(319)	(320)	(321)	(322)	(323)	(324)
1.	Capital		100	100	100	100	100	100
			(1.3)	(1.1)	(0.8)	(0.7)	(0.4)	(0.3)

2.	Reserves and Surplus		—	—	1514	1514	2953	2953
			(—)	(—)	(12.1)	(10.4)	(10.9)	(9.5)

3.	Deposits		6610	8003	9655	11878	19982	23931
			(86.9)	(88.6)	(77.4)	(81.4)	(74.1)	(76.9)
	3.1.	Demand deposits	540	602	554	764	404	295
	3.2.	Savings bank deposits	2543	2822	3120	3873	5894	6986
	3.3.	Term deposits	3527	4580	5981	7240	13683	16651

4.	Borrowings		231	346	405	453	1995	1804
			(3.0)	(3.8)	(3.2)	(3.1)	(7.4)	(5.8)
	4.1.	From banks*	—	—	3	3	77	15
	4.2.	From others	231	346	402	450	1919	1789

5.	Other liabilities		668	580	803	647	1946	2320
			(8.8)	(6.4)	(6.4)	(4.4)	(7.2)	(7.5)
	5.1.	Bills Payable	25	21	40	63	39	49
	5.2.	Inter-office adjustments	—	—	37	—	35	65
	5.3.	Interest accrued	39	39	6	6	57	41
	5.4.	Others (including provisions)	605	520	720	578	1815	2166
	Total Liabilities		7609	9029	12477	14592	26976	31108
1.	Cash in hand		65	113	243	223	579	613
			(0.9)	(1.3)	(1.9)	(1.5)	(2.1)	(2.0)

2.	Balances with RBI		197	228	283	347	708	735
			(2.6)	(2.5)	(2.3)	(2.4)	(2.6)	(2.4)

3.	Balances with banks in India		1368	3345	5782	7524	6056	4836
			(18.0)	(37.0)	(46.3)	(51.6)	(22.4)	(15.5)

4.	Money at call and short notice		1515	—	—	—	—	—
			(19.9)	(—)	(—)	(—)	(—)	(—)

5.	Investments		801	982	2228	2354	7294	12248
			(10.5)	(10.9)	(17.9)	(16.1)	(27.0)	(39.4)

6.	Advances		1302	1618	2025	2316	8399	8776
			(17.1)	(17.9)	(16.2)	(15.9)	(31.1)	(28.2)
	6.1.	Bills purchased and discounted	8	78	—	—	74	40
	6.2.	Cash credits, overdrafts & loans	122	225	320	329	1287	1783
	6.3.	Term loans	1172	1315	1705	1987	7039	6953

7.	Fixed Assets		7	9	13	13	10	15
			(0.1)	(0.1)	(0.1)	(0.1)	(—)	(—)

8.	Other Assets		2355	2734	1902	1815	3930	3884
			(30.9)	(30.3)	(15.2)	(12.4)	(14.6)	(12.5)
	8.1.	Inter - office adjustments (net)	55	72	—	23	—	—
	8.2.	Interest accrued	460	666	194	200	824	1023
	8.3.	Others	1840	1996	1709	1591	3106	2861
	Total Assets		7609	9029	12477	14592	26976	31108
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

							(Amount in Rs. lakh)
			As on March 31
Items			Shivalik Kshetriya		Shivpuri-Guna		Shri Sathavahana
			Gramin Bank		Kshetriya Gramin Bank		Gramin Bank
			1999	2000	1999	2000	1999	2000
			(325)	(326)	(327)	(328)	(329)	(330)
1.	Capital		100	100	100	100	100	100
			(0.8)	(0.6)	(0.7)	(0.6)	(0.7)	(0.6)

2.	Reserves and Surplus		884	1412	679	2173	786	786
			(7.0)	(9.0)	(4.5)	(12.3)	(5.5)	(4.5)

3.	Deposits		10307	12701	11352	13067	9709	12789
			(81.8)	(81.3)	(75.7)	(74.2)	(68.5)	(73.4)
	3.1.	Demand deposits	253	272	1190	993	428	747
	3.2.	Savings bank deposits	4129	5190	4097	5167	2170	2510
	3.3.	Term deposits	5926	7239	6065	6907	7111	9531

4.	Borrowings		979	1150	516	428	1776	1346
			(7.8)	(7.4)	(3.4)	(2.4)	(12.5)	(7.7)
	4.1.	From banks*	36	41	—	428	341	350
	4.2.	From others	943	1109	516	—	1435	996

5.	Other liabilities		329	267	2339	1843	1800	2413
			(2.6)	(1.7)	(15.6)	(10.5)	(12.7)	(13.8)
	5.1.	Bills Payable	4	30	—	—	—	—
	5.2.	Inter-office adjustments	21	—	—	—	—	—
	5.3.	Interest accrued	24	27	981	1377	1378	2274
	5.4.	Others (including provisions)	280	210	1358	465	422	139
	Total Liabilities		12599	15630	14986	17610	14171	17434
1.	Cash in hand		82	31	169	178	255	288
			(0.6)	(0.2)	(1.1)	(1.0)	(1.8)	(1.7)

2.	Balances with RBI		317	389	363	410	359	494
			(2.5)	(2.5)	(2.4)	(2.3)	(2.5)	(2.8)

3.	Balances with banks in India		3682	2079	868	1522	5522	7136
			(29.2)	(13.3)	(5.8)	(8.6)	(39.0)	(40.9)

4.	Money at call and short notice		—	—	6042	7394	—	—
			(—)	(—)	(40.3)	(42.0)	(—)	(—)

5.	Investments		5109	8830	414	199	1309	1560
			(40.5)	(56.5)	(2.8)	(1.1)	(9.2)	(8.9)

6.	Advances		2763	3307	3252	3931	5703	6925
			(21.9)	(21.2)	(21.7)	(22.3)	(40.2)	(39.7)
	6.1.	Bills purchased and discounted	—	—	—	—	—	—
	6.2.	Cash credits, overdrafts & loans	450	514	1291	1351	3971	4443
	6.3.	Term loans	2313	2793	1961	2580	1731	2482

7.	Fixed Assets		61	132	11	13	20	30
			(0.5)	(0.8)	(0.1)	(0.1)	(0.1)	(0.2)

8.	Other Assets		586	862	3868	3964	1003	1001
			(4.6)	(5.5)	(25.8)	(22.5)	(7.1)	(5.7)
	8.1.	Inter - office adjustments (net)	—	32	62	90	206	180
	8.2.	Interest accrued	479	717	1207	1240	262	444
	8.3.	Others	107	114	2599	2634	536	377
	Total Assets		12599	15630	14986	17610	14171	17434
			(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.