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Date : May 11, 1999

Table 48 : Liabilities and Assets of Scheduled Commercial Banks -1996 -97 (Part 15 of 30)

REGIONAL RURAL BANKS

										(Amount in Rs. lakh)
			As on 31st March
			Chhindwara Seoni		Chikmagalur		Chitradurga		Cuttack		Damoh Panna
			Kshetriya Gramin Bank		Kodagu Gramin Bank		Gramin Bank		Gramya Bank		Sagar Kshetriya Gramin Bank

Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(81)	(82)	(83)	(84)	(85)	(86)	(87)	(88)	(89)	(90)
1.	Capital		75	75	75	754	75	96	100	100	75	100
			(1.3)	(1.0)	(1.4)	(10.9)	(0.8)	(0.8)	(0.5)	(0.4)	(1.3)	(1.4)
2.	Reserves and Surplus		-	-	-	-	-	-	6	6	-	-
			-	-	-	-	-	-	-	-	-	-
	2.1.	Statutory Reserves	-	-	-	-	-	-	6	6	-	-
	2.2.	Capital Reserves	-	-	-	-	-	-	-	-	-	-
	2.3.	Share Premium	-	-	-	-	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	-	-	-	-	-	-	-	-	-	-
	2.5.	Balance of Profit	-	-	-	-	-	-	-	-	-	-

3.	Deposits		4353	5765	3527	4276	5721	7116	11712	13986	4394	6036
			(77.1)	(77.8)	(66.2)	(62.0)	(64.1)	(56.7)	(55.5)	(52.5)	(76.3)	(81.9)
	3.1.	Demand Deposits	549	527	101	96	179	286	282	282	198	386

		(i)	From Banks	-	-	-	-	-	-	45	21	-	-
		(ii)	From Others	549	527	101	96	179	286	237	261	198	386
	3.2.	Savings Deposits		1578	2117	1422	1680	1847	2157	4980	5665	1498	2035
	3.3.	Term Deposits		2226	3122	2005	2500	3696	4672	6450	8039	2699	3615
		(i)	From Banks	-	-	-	-	-	-	-	-	-	-
		(ii)	From Others	2226	3122	2005	2500	3696	4672	6450	8039	2699	3615
	3.A.	Deposits of branches in India		4353	5765	3527	4276	5721	7116	11712	13986	4394	6036
	3.B.	Deposits of branches outside India		-	-	-	-	-	-	-	-	-	-

4.	Borrowings			71	116	1567	1669	2318	2759	1980	1968	503	536
				(1.3)	(1.2)	(29.4)	(24.2)	(26.0)	(22.0)	(9.4)	(7.4)	(8.7)	(7.3)
	4.1.	Borrowings in India		71	116	1567	1669	2318	2759	1980	1968	503	536

		(i)	From Reserve Bank of India	-	-	-	-	-	-	-	-	447	486
		(ii)	From other Banks	-	-	610	401	510	588	296	167	56	51
		(iii)	From other Institutions and Agencies	71	116	957	1268	1807	2171	1684	1801	-	-
	4.2.	Borrowings outside India		-	-	-	-	-	-	-	-	-	-

5.	Other liabilities			1148	1427	155	197	815	796	7311	10598	784	700
				(20.3)	(19.3)	(2.9)	(2.9)	(9.1)	(6.4)	(34.6)	(39.8)	(13.6)	(9.5)
	5.1.	Bills Payable		-	-	-	2	189	383	21	67	-	-
	5.2.	Inter-office Adjustments		-	-	-	-	70	82	601	158	23	27
	5.3.	Interest Accrued		-	-	9	14	67	78	1276	1711	365	568
	5.4.	Others (including provisions)		1148	1427	146	181	488	254	5413	8662	396	105
		Total Liabilities		5647	7408	5325	6896	8929	12540	21109	26658	5757	7373
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

											(Amount in Rs. lakh)
				As on 31st March
				Chhindwara Seoni		Chikmagalur		Chitradurga		Cuttack		Damoh Panna
				Kshetriya Gramin Bank		Kodagu Gramin Bank		Gramin Bank		Gramya Bank		Sagar Kshetriya Gramin Bank

Items				1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
				(81)	(82)	(83)	(84)	(85)	(86)	(87)	(88)	(89)	(90)
1.	Cash in hand			157	216	82	143	74	145	225	230	30	63
				(2.8)	(2.9)	(1.5)	(2.1)	(0.8)	(1.2)	(1.1)	(0.9)	(0.5)	(0.9)
2.	Balances with RBI			136	184	105	121	189	215	409	509	143	198
				(2.4)	(2.5)	(2.0)	(1.8)	(2.1)	(1.7)	(1.9)	(1.9)	(2.5)	(2.7)
3.	Balances with banks in India			1658	2207	1378	1436	1784	3809	6101	6591	2460	3599
				(29.4)	(30.0)	(25.9)	(20.8)	(20.0)	(30.4)	(28.9)	(24.7)	(42.7)	(48.8)
4.	Money at call and short notice			-	-	-	-	-	-	100	700	-	-
				-	-	-	-	-	-	(0.5)	(2.6)	-	-
5.	Balances with banks outside India			-	-	-	-	-	-	-	-	-	-
6.	Investments			-	-	-	782	402	1020	310	1710	-	-
				-	-	-	(11.3)	(4.5)	(8.1)	(1.5)	(6.4)	-	-
	6.A.	Investments in India		-	-	-	782	402	1020	310	1710	-	-

	(i)	Government securities	-	-	-	-	5	5	-	-	-	-
	(ii)	Other approved securities	-	-	-	-	-	-	-	-	-	-
	(iii)	Shares	-	-	-	-	-	-	-	-	-	-
	(iv)	Debentures and Bonds	-	-	-	782	25	765	110	1110	-	-
	(v)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
	(vi)	Others	-	-	-	-	372	250	200	600	-	-
6.B.	Investments outside India		-	-	-	-	-	-	-	-	-	-
	(i)	Government securities	-	-	-	-	-	-	-	-	-	-
	(ii)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
	(iii)	Others	-	-	-	-	-	-	-	-	-	-

Advances

2187

2911

3159

3854

5100

5326

9083

9451

1221

1063

			(38.7)	(39.3)	(59.3)	(55.9)	(57.1)	(42.5)	(43.0)	(35.5)	(21.2)	(14.4)
	7.1.	Bills purchased and discounted	54	13	1	4	-	2	30	55	-	-
	7.2.	Cash credits, overdrafts & loans	402	693	827	1021	3539	3647	1632	896	286	417
	7.3.	Term loans	1731	2205	2331	2829	1561	1677	7422	8500	934	646
8.	Fixed Assets		17	17	20	19	17	23	42	46	12	12
			(0.3)	(0.3)	(0.4)	(0.3)	(0.2)	(0.2)	(0.2)	(0.2)	(0.2)	(0.2)
	8.1.	Premises	-	-	-	-	-	-	-	-	-	-
	8.2.	Other Fixed assets	17	17	20	19	17	23	42	46	12	12
9.	Other Assets		1492	1872	581	542	1362	2003	4839	7422	1891	2437
			(26.4)	(25.3)	(10.9)	(7.9)	(15.3)	(16.0)	(22.9)	(27.8)	(32.8)	(33.1)
	9.1.	Inter - office adjustments (net)	136	103	15	27	-	-	-	-	-	-
	9.2.	Interest accrued	-	13	19	39	48	101	104	280	75	101
	9.3.	Tax paid	-	-	-	-	-	-	12	12	-	-
	9.4.	Stationery and Stamps	10	5	4	5	12	14	6	8	2	3
	9.5.	Others	1346	1756	543	470	1303	1888	4718	7123	1813	2332
	Total Assets		5647	7408	5325	6896	8929	12540	21109	26658	5757	7373
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Note	:	Figures in brackets indicate percent share in total.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.

Table 48 : Liabilities and Assets of Scheduled Commercial Banks -1996 -97

REGIONAL RURAL BANKS

										(Amount in Rs. lakh)
			As on 31st March
			Devipatan		Dewas Shajapur		Dhenkanal		Dungarpur-Banswara		Durg
			Kshetriya Gramin Bank		Kshetriya Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Rajnandgaon Gramin Bank

Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(91)	(92)	(93)	(94)	(95)	(96)	(97)	(98)	(99)	(100)
1.	Capital		50	1497	75	100	75	873	75	96	100	1444
			(0.5)	(10.1)	(1.3)	(1.4)	(1.2)	(9.5)	(2.5)	(2.4)	(0.7)	(7.0)
2.	Reserves and Surplus		-	-	-	-	-	-	-	-	-	-
			-	-	-	-	-	-	-	-	-	-
	2.1.	Statutory Reserves	-	-	-	-	-	-	-	-	-	-
	2.2.	Capital Reserves	-	-	-	-	-	-	-	-	-	-
	2.3.	Share Premium	-	-	-	-	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	-	-	-	-	-	-	-	-	-	-
	2.5.	Balance of Profit	-	-	-	-	-	-	-	-	-	-

3.	Deposits		8539	11470	4953	6332	3951	5393	2387	3240	10428	13583
			(86.8)	(77.3)	(87.8)	(88.6)	(64.2)	(58.9)	(78.8)	(79.3)	(70.2)	(66.3)
	3.1.	Demand Deposits	806	1198	119	214	41	121	67	176	1299	653

		(i)	From Banks	-	-	-	-	-	-	-	-	-	-
		(ii)	From Others	806	1198	119	214	41	121	67	176	1299	653
	3.2.	Savings Deposits		5090	6459	1780	2207	1157	1344	934	1108	4356	5774
	3.3.	Term Deposits		2643	3813	3053	3911	2753	3929	1385	1955	4772	7156
		(i)	From Banks	-	-	-	-	-	-	-	-	-	-
		(ii)	From Others	2643	3813	3053	3911	2753	3929	1385	1955	4772	7156
	3.A.	Deposits of branches in India		8539	11470	4953	6332	3951	5393	2387	3240	10428	13583
	3.B.	Deposits of branches outside India		-	-	-	-	-	-	-	-	-	-

4.	Borrowings			708	823	297	399	1447	1908	347	347	1447	1599
				(7.2)	(5.5)	(5.3)	(5.6)	(23.5)	(20.8)	(11.5)	(8.5)	(9.7)	(7.8)
	4.1.	Borrowings in India		708	823	297	399	1447	1908	347	347	1447	1599

		(i)	From Reserve Bank of India	-	-	-	-	-	-	334	342	-	-
		(ii)	From other Banks	41	43	3	4	340	474	13	6	106	112
		(iii)	From other Institutions and Agencies	667	780	294	395	1107	1434	-	-	1341	1488
	4.2.	Borrowings outside India		-	-	-	-	-	-	-	-	-	-

5.	Other liabilities			546	1045	316	312	677	984	219	403	2879	3870
				(5.5)	(7.0)	(5.6)	(4.4)	(11.0)	(10.7)	(7.2)	(9.9)	(19.4)	(18.9)
	5.1.	Bills Payable		7	14	1	2	9	18	27	12	16	18
	5.2.	Inter-office Adjustments		71	-	-	-	27	67	-	-	63	99
	5.3.	Interest Accrued		15	18	6	7	53	156	17	21	22	991
	5.4.	Others (including provisions)		452	1013	309	303	587	743	175	370	2778	2762
		Total Liabilities		9843	14834	5640	7144	6149	9158	3028	4086	14854	20496
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

											(Amount in Rs. lakh)
				As on 31st March
				Devipatan		Dewas Shajapur		Dhenkanal		Dungarpur-Banswara		Durg
				Kshetriya Gramin Bank		Kshetriya Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Rajnandgaon Gramin Bank

Items				1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
				(91)	(92)	(93)	(94)	(95)	(96)	(97)	(98)	(99)	(100)
1.	Cash in hand			191	278	101	143	67	114	37	49	156	192
				(1.9)	(1.9)	(1.8)	(2.0)	(1.1)	(1.2)	(1.2)	(1.2)	(1.0)	(0.9)
2.	Balances with RBI			255	334	148	177	120	165	79	97	308	439
				(2.6)	(2.3)	(2.6)	(2.5)	(2.0)	(1.8)	(2.6)	(2.4)	(2.1)	(2.1)
3.	Balances with banks in India			3226	5971	1522	1953	688	1928	921	1146	654	525
				(32.8)	(40.3)	(27.0)	(27.3)	(11.2)	(21.1)	(30.4)	(28.0)	(4.4)	(2.6)
4.	Money at call and short notice			-	-	-	-	-	-	-	-	4466	6238
				-	-	-	-	-	-	-	-	(30.1)	(30.4)
5.	Balances with banks outside India			-	-	-	-	-	-	-	-	-	-
6.	Investments			2298	3000	1047	1325	1317	1680	-	200	1000	3402
				(23.3)	(20.2)	(18.6)	(18.5)	(21.4)	(18.3)	-	(4.9)	(6.7)	(16.6)
	6.A.	Investments in India		2298	3000	1047	1325	1317	1680	-	200	1000	3402

	(i)	Government securities	10	10	197	300	150	150	-	-	600	1752
	(ii)	Other approved securities	-	-	550	1025	172	-	-	-	100	750
	(iii)	Shares	-	-	-	-	-	-	-	-	-	-
	(iv)	Debentures and Bonds	1400	2990	-	-	994	1530	-	200	-	-
	(v)	Subsidiaries and joint ventures	888	-	-	-	-	-	-	-	-	-
	(vi)	Others	-	-	300	-	-	-	-	-	300	900
6.B.	Investments outside India		-	-	-	-	-	-	-	-	-	-
	(i)	Government securities	-	-	-	-	-	-	-	-	-	-
	(ii)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
	(iii)	Others	-	-	-	-	-	-	-	-	-	-

Advances

2490

2994

1573

1849

2566

3569

1156

1500

5843

6437

			(25.3)	(20.2)	(27.9)	(25.9)	(41.7)	(39.0)	(38.2)	(36.7)	(39.3)	(31.4)
	7.1.	Bills purchased and discounted	-	-	-	-	1	4	8	54	-	-
	7.2.	Cash credits, overdrafts & loans	222	338	381	405	320	498	178	246	950	1104
	7.3.	Term loans	2268	2656	1193	1444	2246	3066	970	1200	4892	5333
8.	Fixed Assets		25	25	9	8	9	11	12	14	26	27
			(0.2)	(0.2)	(0.2)	(0.1)	(0.1)	(0.1)	(0.4)	(0.3)	(0.2)	(0.1)
	8.1.	Premises	-	-	-	-	-	-	-	-	-	-
	8.2.	Other Fixed assets	25	25	9	8	9	11	12	14	26	27
9.	Other Assets		1359	2232	1239	1689	1383	1691	824	1081	2402	3236
			(13.8)	(15.0)	(22.0)	(23.6)	(22.5)	(18.5)	(27.2)	(26.4)	(16.2)	(15.8)
	9.1.	Inter - office adjustments (net)	-	66	6	33	-	-	71	20	-	-
	9.2.	Interest accrued	261	556	99	179	75	129	28	52	199	356
	9.3.	Tax paid	-	-	-	-	-	-	-	-	2	3
	9.4.	Stationery and Stamps	6	7	3	4	7	7	3	4	4	5
	9.5.	Others	1092	1603	1132	1474	1301	1555	721	1005	2197	2873
	Total Assets		9843	14834	5640	7144	6149	9158	3028	4086	14854	20496
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Note	:	Figures in brackets indicate percent share in total.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.