|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| Items | | | Adhiyaman | | Akola Gramin | | Alaknanda Gramin | | Aligarh Gramin | | | | | | Gramin Bank
| | Bank
| | Bank
| | Bank
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (1)
| (2)
|
| (3)
| (4)
|
| (5)
| (6)
|
| (7)
| (8)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 274 | 418 | | 168 | 270 | | 300 | 430 | | 1417 | 2312 | | | a) | Interest/discount on advances/bills | 209 | 291 | | 88 | 155 | | 47 | 71 | | 620 | 936 | | | b) | Income on investments | | 3 | 9 | | - | - | | 84 | 131 | | 345 | 821 | | | c) | Interest on balances with RBI and other | 61 | 119 | | 67 | 115 | | 169 | 228 | | 452 | 555 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 13 | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 26 | 26 | | 11 | 16 | | 16 | 17 | | 89 | 135 | | | a) | Commission, exchange, brokerage, etc. | 3 | 3 | | 9 | 11 | | 4 | 9 | | 17 | 18 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | - | | - | - | | | c) | Net profit (loss) on revaluation of investments | - | - | | - | - | | - | - | | - | - | | | d) | Net profit (loss) on sale of land, building | - | - | | - | - | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 23
| 22
|
| 2
| 5
|
| 11
| 7
|
| 72
| 117
|
| Total (I+II)
|
| 300
| 443
|
| 179
| 286
|
| 316
| 447
|
| 1506
| 2447
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 193 | 259 | | 159 | 219 | | 214 | 319 | | 955 | 1469 | | | a) | Interest on deposits | | 113 | 155 | | 124 | 171 | | 195 | 301 | | 765 | 1192 | | | b) | Interest on RBI/inter-bank borrowings | 80 | 104 | | - | - | | 19 | 18 | | 190 | 277 | | | c) | Others | | - | - | | 35 | 48 | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 109 | 115 | | 159 | 175 | | 143 | 216 | | 436 | 527 | | | a) | Payments to and provisions for employees | 88 | 96 | | 139 | 152 | | 109 | 182 | | 383 | 432 | | | b) | Rent, taxes and lighting | | 3 | 3 | | 5 | 6 | | 4 | 4 | | 12 | 13 | | | c) | Printing and stationery | | 2 | 2 | | 2 | 3 | | 1 | 2 | | 6 | 5 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 1 | 1 | | 1 | 1 | | 3 | 4 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | - | - | | - | - | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 3 | 2 | | 1 | 1 | | 1 | 1 | | 1 | 3 | | | j) | Repairs and maintenance | | 2 | 2 | | - | - | | - | - | | 1 | 2 | | | k) | Insurance | | 2 | 1 | | 1 | 4 | | 8 | 11 | | 2 | 6 | | | l) | Other expenditure | | 7 | 6 | | 9 | 8 | | 17 | 15 | | 26 | 62 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 14 | 92 | | - | 38 | | 2 | 20 | | 15 | 264 | | | | | | | | | | | | | | | | | | | Total expenses | | 316 | 466 | | 318 | 432 | | 358 | 556 | | 1405 | 2260 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (16)
| (22)
|
| (139)
| (146)
|
| (43)
| (109)
|
| 101
| 187
| Total (III+IV+V+VI)
|
| 300
| 443
|
| 179
| 286
|
| 316
| 447
|
| 1506
| 2447
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| Items | | | Allahabad | | Alwar Bharatpur | | Ambala Kurukshetra | | Aravali | | | | | Kshetriya Gramin | | Gramin Bank | | Gramin Bank | | Kshetriya Gramin | | | | | | Bank
| |
| |
| | Bank
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (9)
| (10)
|
| (11)
| (12)
|
| (13)
| (14)
|
| (15)
| (16)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 729 | 1049 | | 485 | 768 | | 445 | 661 | | 273 | 429 | | | a) | Interest/discount on advances/bills | 302 | 298 | | 119 | 224 | | 203 | 323 | | 134 | 236 | | | b) | Income on investments | | 102 | 306 | | 152 | 267 | | 99 | 159 | | 18 | 40 | | | c) | Interest on balances with RBI and other | 325 | 445 | | 214 | 278 | | 132 | 174 | | 122 | 154 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | 11 | 5 | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 48 | 68 | | 18 | 22 | | 15 | 17 | | 32 | 38 | | | a) | Commission, exchange, brokerage, etc. | 33 | 47 | | 4 | 5 | | 4 | 4 | | 6 | 11 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | - | | - | - | | | c) | Net profit (loss) on revaluation of investments | - | - | | - | - | | - | - | | - | - | | | d) | Net profit (loss) on sale of land, building | - | - | | - | - | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 15
| 21
|
| 14
| 17
|
| 12
| 14
|
| 26
| 27
|
| Total (I+II)
|
| 778
| 1117
|
| 503
| 790
|
| 460
| 679
|
| 305
| 467
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 718 | 1010 | | 484 | 674 | | 342 | 457 | | 327 | 499 | | | a) | Interest on deposits | | 656 | 948 | | 452 | 643 | | 304 | 395 | | 292 | 453 | | | b) | Interest on RBI/inter-bank borrowings | 62 | 62 | | 32 | 31 | | 38 | 62 | | 34 | 46 | | | c) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 492 | 585 | | 323 | 352 | | 154 | 165 | | 248 | 263 | | | a) | Payments to and provisions for employees | 347 | 529 | | 284 | 318 | | 131 | 140 | | 190 | 222 | | | b) | Rent, taxes and lighting | | 12 | 13 | | 7 | 8 | | 5 | 5 | | 7 | 8 | | | c) | Printing and stationery | | 6 | 6 | | 4 | 4 | | 2 | 2 | | 3 | 4 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 3 | 4 | | 2 | 2 | | 3 | 3 | | 3 | 4 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | - | 1 | | - | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | 1 | 2 | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 1 | 1 | | 1 | 1 | | 2 | 2 | | | j) | Repairs and maintenance | | 2 | - | | - | - | | - | 1 | | 2 | 2 | | | k) | Insurance | | 95 | 8 | | 9 | 5 | | 2 | 3 | | 23 | 3 | | | l) | Other expenditure | | 25 | 23 | | 14 | 12 | | 9 | 10 | | 16 | 16 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 80 | 540 | | 38 | 539 | | 32 | 69 | | - | 147 | | | | | | | | | | | | | | | | | | | Total expenses | | 1290 | 2134 | | 845 | 1564 | | 528 | 691 | | 575 | 909 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (512)
| (1017)
|
| (342)
| (774)
|
| (68)
| (12)
|
| (269)
| (442)
| Total (III+IV+V+VI)
|
| 778
| 1117
|
| 503
| 790
|
| 460
| 679
|
| 305
| 467
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| Items | | | Arunachal Pradesh | | Aurangabad Jalana | | Avadh | | Baitarani | | | | | | Rural Bank
| | Gramin Bank
| | Gramin Bank
| | Gramya Bank
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (17)
| (18)
|
| (19)
| (20)
|
| (21)
| (22)
|
| (23)
| (24)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 139 | 177 | | 580 | 903 | | 1999 | 2694 | | 464 | 761 | | | a) | Interest/discount on advances/bills | 38 | 67 | | 282 | 336 | | 347 | 364 | | 203 | 296 | | | b) | Income on investments | | 22 | 37 | | 280 | 466 | | 1622 | 2299 | | 121 | 246 | | | c) | Interest on balances with RBI and other | 80 | 73 | | 13 | 23 | | 30 | 30 | | 140 | 219 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 5 | 78 | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 9 | 9 | | 42 | 99 | | 10 | 8 | | 8 | 10 | | | a) | Commission, exchange, brokerage, etc. | 2 | 5 | | 34 | 54 | | 7 | 6 | | 6 | 8 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | - | | - | - | | | c) | Net profit (loss) on revaluation of investments | - | - | | - | - | | - | - | | - | - | | | d) | Net profit (loss) on sale of land, building | - | - | | - | 1 | | 1 | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 7
| 4
|
| 9
| 44
|
| 3
| 2
|
| 1
| 2
|
| Total (I+II)
|
| 149
| 187
|
| 622
| 1002
|
| 2009
| 2702
|
| 471
| 771
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 76 | 97 | | 328 | 485 | | 1159 | 1530 | | 472 | 670 | | | a) | Interest on deposits | | 68 | 85 | | 222 | 281 | | 1037 | 1407 | | 380 | 546 | | | b) | Interest on RBI/inter-bank borrowings | 8 | 12 | | 106 | 205 | | 122 | 122 | | 91 | 24 | | | c) | Others | | - | - | | - | - | | - | - | | 2 | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 71 | 80 | | 259 | 310 | | 560 | 750 | | 374 | 430 | | | a) | Payments to and provisions for employees | 59 | 68 | | 190 | 232 | | 511 | 637 | | 344 | 391 | | | b) | Rent, taxes and lighting | | 3 | 3 | | 6 | 8 | | 11 | 11 | | 7 | 9 | | | c) | Printing and stationery | | 2 | 3 | | 5 | 10 | | 11 | 10 | | 5 | 6 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 3 | 4 | | 6 | 6 | | 2 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 1 | 1 | | 1 | 1 | | - | - | | | h) | Law charges | | - | - | | - | - | | - | 1 | | 1 | - | | | i) | Postage, telegrams, telephones, etc. | - | - | | 2 | 2 | | 2 | 2 | | 2 | 2 | | | j) | Repairs and maintenance | | 4 | - | | 2 | 2 | | 2 | 2 | | - | - | | | k) | Insurance | | - | 3 | | 4 | 3 | | 8 | 72 | | - | - | | | l) | Other expenditure | | 1 | 1 | | 47 | 48 | | 9 | 9 | | 12 | 19 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 104 | 45 | | 53 | 471 | | 100 | 602 | | 2049 | 363 | | | | | | | | | | | | | | | | | | | Total expenses | | 157 | 222 | | 640 | 1266 | | 1819 | 2882 | | 2895 | 1462 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (8)
| (36)
|
| (18)
| (265)
|
| 190
| (181)
|
| (2424)
| (691)
| Total (III+IV+V+VI)
|
| 149
| 187
|
| 622
| 1002
|
| 2009
| 2702
|
| 471
| 771
|
Note | : | Figures in bracket indicate loss. | - | : | Nil or negligible. | Source | : | Annual accounts of banks. |
|