|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | Balasore Gramya | | Ballia Kshetriya | | Banaskantha | | Bara Banki Gramin | | | | | Bank | | Gramin Bank | | Mehsana Gramin | | Bank | Items | | |
| |
| | Bank
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (25)
| (26)
|
| (27)
| (28)
|
| (29)
| (30)
|
| (31)
| (32)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 225 | 224 | | 1097 | 1341 | | 372 | 603 | | 1466 | 1946 | | | a) | Interest/discount on advances/bills | 185 | 189 | | 227 | 341 | | 160 | 257 | | 212 | 271 | | | b) | Income on investments | | - | - | | - | - | | 202 | 333 | | 872 | 1193 | | | c) | Interest on balances with RBI and other | 39 | 35 | | 870 | 1000 | | 9 | 9 | | 382 | 464 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | 2 | 4 | | - | 18 | | | | | | | | | | | | | | | | | II. | Other income | | 22 | 30 | | 36 | 41 | | 26 | 25 | | 17 | 23 | | | a) | Commission, exchange, brokerage, etc. | 3 | 4 | | 26 | 21 | | 5 | 5 | | 10 | 10 | | | 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 | | 19
| 26
|
| 10
| 20
|
| 21
| 19
|
| 7
| 12
|
| Total (I+II)
|
| 247
| 254
|
| 1133
| 1383
|
| 398
| 628
|
| 1484
| 1969
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 364 | 467 | | 826 | 1091 | | 403 | 590 | | 846 | 1100 | | | a) | Interest on deposits | | 280 | 389 | | 742 | 1010 | | 317 | 484 | | 751 | 1010 | | | b) | Interest on RBI/inter-bank borrowings | 10 | 7 | | 7 | 2 | | 86 | 106 | | 95 | 90 | | | c) | Others | | 74 | 72 | | 77 | 80 | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 338 | 335 | | 344 | 372 | | 403 | 505 | | 420 | 466 | | | a) | Payments to and provisions for employees | 264 | 291 | | 316 | 341 | | 322 | 281 | | 378 | 420 | | | b) | Rent, taxes and lighting | | 7 | 8 | | 5 | 6 | | 5 | 6 | | 8 | 9 | | | c) | Printing and stationery | | 3 | 2 | | 4 | 5 | | 3 | 3 | | 6 | 6 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 2 | 2 | | 1 | 2 | | 2 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | 6 | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | - | 1 | | - | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | 1 | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 1 | 1 | | 1 | 1 | | 1 | 2 | | | j) | Repairs and maintenance | | 1 | 1 | | - | - | | 1 | 1 | | 1 | 1 | | | k) | Insurance | | 46 | 15 | | 5 | 6 | | - | - | | - | 1 | | | l) | Other expenditure | | 12 | 13 | | 10 | 10 | | 62 | 210 | | 21 | 24 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 22 | 416 | | 85 | 2177 | | - | - | | 96 | 251 | | | | | | | | | | | | | | | | | | | Total expenses | | 723 | 1219 | | 1255 | 3641 | | 806 | 1095 | | 1362 | 1817 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (476)
| (965)
|
| (122)
| (2258)
|
| (408)
| (467)
|
| 122
| 152
| Total (III+IV+V+VI)
|
| 247
| 254
|
| 1133
| 1383
|
| 398
| 628
|
| 1484
| 1969
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| | | | | | Bardhaman | | Bareilly Kshetriya | | Bastar Kshetriya | | Basti Gramin Bank | Items | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (33)
| (34)
|
| (35)
| (36)
|
| (37)
| (38)
|
| (39)
| (40)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 1136 | 1711 | | 462 | 767 | | 134 | 270 | | 1360 | 1773 | | | a) | Interest/discount on advances/bills | 205 | 358 | | 180 | 282 | | 36 | 65 | | 211 | 329 | | | b) | Income on investments | | 462 | 823 | | 36 | 193 | | 1 | 9 | | 1123 | 1443 | | | c) | Interest on balances with RBI and other | 468 | 530 | | 246 | 292 | | 96 | 190 | | 26 | - | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | 1 | 6 | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 81 | 169 | | 29 | 42 | | 15 | 15 | | 47 | 48 | | | a) | Commission, exchange, brokerage, etc. | 12 | 38 | | 28 | 28 | | 4 | 5 | | 21 | 30 | | | 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 | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 69
| 131
|
| 1
| 14
|
| 11
| 10
|
| 26
| 18
|
| Total (I+II)
|
| 1217
| 1880
|
| 491
| 809
|
| 149
| 285
|
| 1407
| 1821
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 749 | 1170 | | 443 | 586 | | 206 | 341 | | 836 | 1118 | | | a) | Interest on deposits | | 686 | 1110 | | 391 | 528 | | 197 | 324 | | 737 | 1013 | | | b) | Interest on RBI/inter-bank borrowings | 63 | 60 | | - | - | | 9 | 16 | | 99 | 106 | | | c) | Others | | - | - | | 52 | 58 | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 467 | 578 | | 367 | 426 | | 267 | 302 | | 469 | 481 | | | a) | Payments to and provisions for employees | 388 | 523 | | 303 | 354 | | 252 | 279 | | 413 | 409 | | | b) | Rent, taxes and lighting | | 11 | 12 | | 9 | 11 | | 4 | 4 | | 7 | 7 | | | c) | Printing and stationery | | 6 | 6 | | 4 | 6 | | 3 | 4 | | 4 | 6 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 3 | 3 | | 2 | 3 | | 1 | 1 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | 1 | | - | - | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | 4 | 2 | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | - | 2 | | 2 | 1 | | 5 | 7 | | | j) | Repairs and maintenance | | 1 | 1 | | 3 | 4 | | 1 | 1 | | 1 | 1 | | | k) | Insurance | | 43 | 11 | | 36 | 38 | | 3 | 9 | | 7 | 22 | | | l) | Other expenditure | | 12 | 19 | | 9 | 9 | | 2 | 3 | | 26 | 23 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 196 | 28 | | 113 | 182 | | 63 | 78 | | 64 | 857 | | | | | | | | | | | | | | | | | | | Total expenses | | 1412 | 1776 | | 923 | 1194 | | 535 | 721 | | 1368 | 2456 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (195)
| 104
|
| (432)
| (384)
|
| (387)
| (436)
|
| 39
| (635)
| Total (III+IV+V+VI)
|
| 1217
| 1880
|
| 491
| 809
|
| 149
| 285
|
| 1407
| 1821
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| | | | | | Begusarai | | Bhagalpur Banka | | Bhagirath Gramin | | Bhandara Gramin | | | | | | Kshetriya | | Kshetriya Gramin | | Bank | | Bank | Items | | | | Gramin Bank
| | Bank
| |
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (41)
| (42)
|
| (43)
| (44)
|
| (45)
| (46)
|
| (47)
| (48)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 105 | 194 | | 125 | 237 | | 1982 | 2497 | | 150 | 285 | | | a) | Interest/discount on advances/bills | 19 | 53 | | 27 | 85 | | 339 | 355 | | 92 | 151 | | | b) | Income on investments | | 19 | 38 | | 94 | 147 | | 443 | 2130 | | - | 37 | | | c) | Interest on balances with RBI and other | 67 | 103 | | 4 | 5 | | 1189 | 9 | | 58 | 97 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | 11 | 3 | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 2 | 2 | | 8 | 6 | | 121 | 101 | | 6 | 15 | | | a) | Commission, exchange, brokerage, etc. | - | 1 | | 2 | 2 | | 121 | 101 | | 1 | 2 | | | 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 | | 1
| 2
|
| 6
| 4
|
| -
| -
|
| 4
| 12
|
| Total (I+II)
|
| 107
| 196
|
| 132
| 243
|
| 2104
| 2598
|
| 156
| 299
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 80 | 124 | | 101 | 175 | | 986 | 1247 | | 171 | 274 | | | a) | Interest on deposits | | 73 | 117 | | 97 | 167 | | 878 | 1141 | | 157 | 252 | | | b) | Interest on RBI/inter-bank borrowings | 7 | 8 | | 4 | 8 | | 108 | 102 | | 14 | 22 | | | c) | Others | | - | - | | - | - | | - | 4 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 72 | 72 | | 89 | 97 | | 631 | 654 | | 170 | 234 | | | a) | Payments to and provisions for employees | 58 | 65 | | 69 | 79 | | 530 | 568 | | 150 | 215 | | | b) | Rent, taxes and lighting | | 3 | 3 | | 4 | 4 | | 11 | 11 | | 5 | 6 | | | c) | Printing and stationery | | 1 | 1 | | 2 | 2 | | 6 | 8 | | 3 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 1 | 1 | | 2 | 3 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | - | - | | 1 | 1 | | - | - | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | - | - | | 1 | 1 | | 1 | 1 | | - | - | | | j) | Repairs and maintenance | | - | - | | 1 | - | | 1 | 1 | | - | - | | | k) | Insurance | | 7 | 1 | | - | - | | 65 | 40 | | - | - | | | l) | Other expenditure | | 1 | 1 | | 10 | 10 | | 15 | 22 | | 10 | 7 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 8 | 156 | | - | 161 | | 115 | 418 | | - | 144 | | | | | | | | | | | | | | | | | | | Total expenses | | 159 | 353 | | 190 | 434 | | 1732 | 2318 | | 341 | 652 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (52)
| (157)
|
| (58)
| (191)
|
| 372
| 280
|
| (185)
| (353)
| Total (III+IV+V+VI)
|
| 107
| 196
|
| 132
| 243
|
| 2104
| 2598
|
| 156
| 299
|
Note | : | Figures in bracket indicate loss. | - | : | Nil or negligible. | Source | : | Annual accounts of banks. |
|