|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| | | | | | Bhilwara-Ajmer | | Bhojpur Rohtas | | Bijapur Gramin | | Bikaner Kshetriya | | | | | | Kshetriya Gramin | | Gramin Bank | | Bank | | Gramin Bank | Items | | | | Bank
| |
| |
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (49)
| (50)
|
| (51)
| (52)
|
| (53)
| (54)
|
| (55)
| (56)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 540 | 756 | | 2196 | 2931 | | 1436 | 2037 | | 56 | 94 | | | a) | Interest/discount on advances/bills | 321 | 446 | | 271 | 403 | | 989 | 1292 | | 20 | 40 | | | b) | Income on investments | | 6 | 89 | | 855 | 1401 | | 75 | 213 | | 34 | 53 | | | c) | Interest on balances with RBI and other | 213 | 221 | | 1058 | 1127 | | 372 | 532 | | 2 | 1 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 11 | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 70 | 75 | | 85 | 98 | | 206 | 96 | | 12 | 11 | | | a) | Commission, exchange, brokerage, etc. | 26 | 32 | | 2 | 3 | | 7 | 10 | | 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 | - | - | | - | - | | - | - | | - | 1 | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 44
| 42
|
| 82
| 95
|
| 199
| 86
|
| 11
| 8
|
| Total (I+II)
|
| 610
| 830
|
| 2281
| 3029
|
| 1642
| 2133
|
| 68
| 104
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 403 | 546 | | 1481 | 1987 | | 870 | 1147 | | 74 | 108 | | | a) | Interest on deposits | | 331 | 468 | | 1430 | 1924 | | 539 | 761 | | 69 | 103 | | | b) | Interest on RBI/inter-bank borrowings | 72 | 78 | | 51 | 63 | | 61 | 72 | | - | - | | | c) | Others | | - | - | | - | - | | 269 | 314 | | 5 | 5 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 190 | 208 | | 796 | 853 | | 556 | 492 | | 76 | 86 | | | a) | Payments to and provisions for employees | 163 | 175 | | 723 | 773 | | 415 | 444 | | 65 | 68 | | | b) | Rent, taxes and lighting | | 7 | 8 | | 10 | 10 | | 5 | 5 | | 3 | 3 | | | c) | Printing and stationery | | 4 | 4 | | 6 | 12 | | 6 | 8 | | 1 | 2 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 4 | | 4 | 6 | | 2 | 4 | | 1 | 1 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 2 | 2 | | 1 | 1 | | - | - | | | h) | Law charges | | - | - | | - | 1 | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 2 | 2 | | 3 | 4 | | 4 | 4 | | 1 | 1 | | | j) | Repairs and maintenance | | 2 | 2 | | 1 | 2 | | - | - | | - | 1 | | | k) | Insurance | | 3 | 3 | | 27 | 17 | | - | - | | 1 | 4 | | | l) | Other expenditure | | 7 | 9 | | 20 | 24 | | 122 | 26 | | 5 | 6 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 12 | 68 | | 170 | 2506 | | 82 | 179 | | 11 | 15 | | | | | | | | | | | | | | | | | | | Total expenses | | 605 | 822 | | 2447 | 5345 | | 1508 | 1818 | | 161 | 208 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | 5
| 8
|
| (166)
| (2316)
|
| 134
| 314
|
| (93)
| (104)
| Total (III+IV+V+VI)
|
| 610
| 830
|
| 2281
| 3029
|
| 1642
| 2133
|
| 68
| 104
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | For the year ended 31st March
| | | | | | Bilaspur Raipur | | Bolangir Anchalik | | Buldhana Gramin | | Bundelkhand | | | | | | Kshetriya Gramin | | Gramin Bank | | Bank | | Kshetriya Gramin | Items | | | | Bank
| |
| |
| | Bank
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (57)
| (58)
|
| (59)
| (60)
|
| (61)
| (62)
|
| (63)
| (64)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 857 | 1211 | | 624 | 892 | | 171 | 281 | | 1127 | 1435 | | | a) | Interest/discount on advances/bills | 209 | 408 | | 256 | 392 | | 123 | 200 | | 244 | 84 | | | b) | Income on investments | | 641 | 168 | | 51 | 118 | | 2 | 9 | | 136 | 125 | | | c) | Interest on balances with RBI and other | 6 | 634 | | 318 | 381 | | 46 | 72 | | 277 | 687 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | 1 | | - | - | | - | - | | 470 | 538 | | | | | | | | | | | | | | | | | II. | Other income | | 34 | 30 | | 11 | 18 | | 13 | 16 | | 12 | 12 | | | a) | Commission, exchange, brokerage, etc. | 14 | 15 | | 10 | 17 | | 9 | 12 | | 11 | 12 | | | 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 | | 20
| 15
|
| 1
| -
|
| 4
| 4
|
| -
| -
|
| Total (I+II)
|
| 891
| 1240
|
| 635
| 909
|
| 184
| 296
|
| 1140
| 1447
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 782 | 1051 | | 749 | 1006 | | 120 | 175 | | 919 | 1322 | | | a) | Interest on deposits | | 698 | 997 | | 553 | 807 | | 82 | 125 | | 500 | 744 | | | b) | Interest on RBI/inter-bank borrowings | 84 | 15 | | 196 | 198 | | 38 | 49 | | 43 | 40 | | | c) | Others | | - | 38 | | - | - | | - | - | | 375 | 538 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 528 | 589 | | 653 | 835 | | 105 | 104 | | 452 | 453 | | | a) | Payments to and provisions for employees | 455 | 517 | | 583 | 758 | | 69 | 69 | | 409 | 411 | | | b) | Rent, taxes and lighting | | 12 | 14 | | 17 | 21 | | 4 | 5 | | 6 | 8 | | | c) | Printing and stationery | | 7 | 10 | | 12 | 13 | | 2 | 3 | | 4 | 5 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 1 | | 3 | 3 | | 2 | 2 | | 1 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 2 | | - | - | | 1 | 1 | | | h) | Law charges | | - | 1 | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 3 | 4 | | 5 | 4 | | 1 | 2 | | 2 | 2 | | | j) | Repairs and maintenance | | - | 1 | | 3 | 2 | | - | 1 | | 1 | 1 | | | k) | Insurance | | 21 | 7 | | 7 | 6 | | 1 | 1 | | 7 | 3 | | | l) | Other expenditure | | 26 | 34 | | 22 | 26 | | 25 | 22 | | 22 | 20 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 307 | 62 | | 704 | 677 | | 26 | 24 | | 1412 | 637 | | | | | | | | | | | | | | | | | | | Total expenses | | 1617 | 1702 | | 2106 | 2517 | | 250 | 302 | | 2783 | 2412 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (727)
| (462)
|
| (1471)
| (1608)
|
| (67)
| (6)
|
| (1643)
| (964)
| Total (III+IV+V+VI)
|
| 891
| 1240
|
| 635
| 909
|
| 184
| 296
|
| 1140
| 1447
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Bundi-Chittor | | Cachar Gramin Bank | | Causerie Gramin | | Chaitanya Gramin | | | | | | Kshetriya Gramin | | | | Bank | | Bank | Items | | | | Bank
| |
| |
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (65)
| (66)
|
| (67)
| (68)
|
| (69)
| (70)
|
| (71)
| (72)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 418 | 560 | | 107 | 206 | | 1262 | 1625 | | 632 | 827 | | | a) | Interest/discount on advances/bills | 286 | 352 | | 26 | 46 | | 750 | 962 | | 392 | 499 | | | b) | Income on investments | | - | 5 | | - | 99 | | 235 | 218 | | 27 | 86 | | | c) | Interest on balances with RBI and other | - | - | | 81 | 1 | | 277 | 444 | | 212 | 241 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | 132 | 203 | | - | 60 | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 37 | 23 | | 9 | 19 | | 93 | 119 | | 40 | 48 | | | a) | Commission, exchange, brokerage, etc. | 3 | 4 | | 3 | 11 | | 83 | 106 | | 7 | 17 | | | 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 | | 34
| 18
|
| 6
| 9
|
| 10
| 13
|
| 32
| 32
|
| Total (I+II)
|
| 455
| 583
|
| 116
| 226
|
| 1355
| 1744
|
| 671
| 875
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 413 | 533 | | 144 | 224 | | 865 | 1078 | | 443 | 578 | | | a) | Interest on deposits | | 287 | 412 | | 134 | 208 | | 635 | 844 | | 304 | 433 | | | b) | Interest on RBI/inter-bank borrowings | - | - | | 10 | 16 | | 230 | 234 | | 35 | 36 | | | c) | Others | | 126 | 121 | | - | - | | - | - | | 104 | 109 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 235 | 295 | | 303 | 286 | | 537 | 748 | | 238 | 260 | | | a) | Payments to and provisions for employees | 212 | 262 | | 131 | 145 | | 447 | 643 | | 208 | 228 | | | b) | Rent, taxes and lighting | | 5 | 6 | | 5 | 6 | | 8 | 12 | | 6 | 8 | | | c) | Printing and stationery | | 3 | 4 | | 2 | 3 | | 6 | 8 | | 2 | 5 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 3 | | 1 | 2 | | 3 | 3 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | - | | 1 | 2 | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | 1 | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 1 | 1 | | 5 | 5 | | 3 | 4 | | | j) | Repairs and maintenance | | 1 | 1 | | 1 | 1 | | - | 1 | | 1 | 1 | | | k) | Insurance | | - | 2 | | - | - | | 49 | 14 | | 9 | 4 | | | l) | Other expenditure | | 9 | 13 | | 162 | 128 | | 17 | 59 | | 5 | 6 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 52 | 168 | | - | - | | 880 | 581 | | 15 | 57 | | | | | | | | | | | | | | | | | | | Total expenses | | 700 | 995 | | 447 | 510 | | 2282 | 2407 | | 696 | 895 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (245)
| (412)
|
| (331)
| (284)
|
| (926)
| (663)
|
| (25)
| (20)
| Total (III+IV+V+VI)
|
| 455
| 583
|
| 116
| 226
|
| 1355
| 1744
|
| 671
| 875
|
Note | : | Figures in bracket indicate loss. | - | : | Nil or negligible. | Source | : | Annual accounts of banks. |
|