|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| Items | | | | Dungarpur-Banswara | | Durg Rajnandgaon | | Ellaquai Dehati | | Etah | | | | | | Kshetriya Gramin | | Gramin Bank | | Gramin Bank | | Gramin Bank | | | | | | Bank
| |
| |
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (97)
| (98)
|
| (99)
| (100)
|
| (101)
| (102)
|
| (103)
| (104)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 147 | 205 | | 874 | 1558 | | 152 | - | | 585 | 891 | | | a) | Interest/discount on advances/bills | 67 | 99 | | 279 | 422 | | 26 | - | | 315 | 444 | | | b) | Income on investments | | - | 6 | | 578 | 578 | | - | - | | 72 | 161 | | | c) | Interest on balances with RBI and other | - | - | | 17 | 558 | | 126 | - | | 199 | 287 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | 81 | 101 | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 23 | 16 | | 43 | 42 | | 2 | - | | 41 | 81 | | | a) | Commission, exchange, brokerage, etc. | 6 | 7 | | 14 | 18 | | 2 | - | | 10 | 45 | | | 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 | | 15
| 9
|
| 29
| 24
|
| -
| -
|
| 31
| 35
|
| Total (I+II)
|
| 170
| 221
|
| 917
| 1601
|
| 154
| -
|
| 627
| 972
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 171 | 241 | | 706 | 1067 | | 284 | - | | 442 | 616 | | | a) | Interest on deposits | | 146 | 215 | | 597 | 948 | | 263 | - | | 365 | 501 | | | b) | Interest on RBI/inter-bank borrowings | - | - | | 110 | 118 | | - | - | | 77 | 114 | | | c) | Others | | 25 | 26 | | - | - | | 20 | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 159 | 168 | | 538 | 439 | | 387 | - | | 248 | 272 | | | a) | Payments to and provisions for employees | 122 | 140 | | 486 | 380 | | 343 | - | | 218 | 240 | | | b) | Rent, taxes and lighting | | 4 | 4 | | 10 | 13 | | 9 | - | | 6 | 7 | | | c) | Printing and stationery | | 2 | 2 | | 9 | 10 | | 2 | - | | 3 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 3 | 3 | | 4 | 4 | | 2 | - | | 1 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 1 | 2 | | - | - | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 2 | | 3 | 4 | | 1 | - | | 3 | 3 | | | j) | Repairs and maintenance | | - | - | | 1 | 4 | | - | - | | 1 | 1 | | | k) | Insurance | | 16 | 2 | | 11 | 9 | | 21 | - | | - | - | | | l) | Other expenditure | | 11 | 14 | | 12 | 14 | | 9 | - | | 14 | 15 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 546 | 93 | | 587 | 702 | | 232 | - | | 12 | 73 | | | | | | | | | | | | | | | | | | | Total expenses | | 876 | 501 | | 1831 | 2208 | | 903 | - | | 702 | 961 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (706)
| (280)
|
| (914)
| (607)
|
| (749)
| -
|
| (75)
| 12
| Total (III+IV+V+VI)
|
| 170
| 221
|
| 917
| 1601
|
| 154
| -
|
| 627
| 972
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| Items | | | Etawah Kshetriya | | Faizabad | | Faridkot Bhatinda | | Farrukhabad | | | | | Gramin Bank | | Kshetriya Gramin | | Kshetriya Gramin | | Gramin Bank | | | | | |
| | Bank
| | Bank
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (105)
| (106)
|
| (107)
| (108)
|
| (109)
| (110)
|
| (111)
| (112)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 389 | 475 | | 787 | 1179 | | 419 | 719 | | 1322 | 1944 | | | a) | Interest/discount on advances/bills | 136 | 172 | | 188 | 241 | | 178 | 208 | | 258 | 344 | | | b) | Income on investments | | 54 | 62 | | 167 | 308 | | 10 | 88 | | 362 | 530 | | | c) | Interest on balances with RBI and other | 198 | 241 | | - | - | | 231 | 423 | | 13 | 3 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 433 | 630 | | - | - | | 689 | 1066 | | | | | | | | | | | | | | | | | II. | Other income | | 23 | 11 | | 45 | 19 | | 25 | 29 | | 33 | 35 | | | a) | Commission, exchange, brokerage, etc. | 17 | 7 | | 23 | 6 | | 3 | 5 | | 3 | 3 | | | 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 | | 5
| 5
|
| 21
| 13
|
| 22
| 24
|
| 30
| 32
|
| Total (I+II)
|
| 412
| 486
|
| 832
| 1198
|
| 444
| 748
|
| 1355
| 1979
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 368 | 457 | | 526 | 718 | | 230 | 507 | | 768 | 1045 | | | a) | Interest on deposits | | 301 | 397 | | 472 | 655 | | 174 | 439 | | 658 | 930 | | | b) | Interest on RBI/inter-bank borrowings | 67 | 59 | | 3 | - | | 22 | - | | 110 | 114 | | | c) | Others | | - | - | | 51 | 63 | | 35 | 68 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 203 | 210 | | 273 | 308 | | 88 | 94 | | 486 | 494 | | | a) | Payments to and provisions for employees | 177 | 190 | | 231 | 254 | | 66 | 68 | | 446 | 443 | | | b) | Rent, taxes and lighting | | 4 | 4 | | 6 | 6 | | 5 | 5 | | 7 | 8 | | | c) | Printing and stationery | | 1 | 1 | | 3 | 5 | | 1 | 1 | | 7 | 8 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 4 | 4 | | 2 | 2 | | 3 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | - | 1 | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 1 | 1 | | 1 | 1 | | 2 | 2 | | | j) | Repairs and maintenance | | 1 | - | | - | - | | - | - | | 1 | 1 | | | k) | Insurance | | - | - | | 3 | 6 | | 1 | 1 | | 3 | 11 | | | l) | Other expenditure | | 17 | 11 | | 24 | 30 | | 12 | 16 | | 17 | 17 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 37 | 477 | | 82 | 412 | | 108 | 27 | | 82 | 402 | | | | | | | | | | | | | | | | | | | Total expenses | | 608 | 1144 | | 880 | 1438 | | 427 | 628 | | 1337 | 1941 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (197)
| (658)
|
| (48)
| (240)
|
| 17
| 120
|
| 18
| 38
| Total (III+IV+V+VI)
|
| 412
| 486
|
| 832
| 1198
|
| 444
| 748
|
| 1355
| 1979
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| Items | | | Fatehpur | | Ganga Yamuna | | Gaur | | Giridih Kshetriya | | | | | Kshetriya Gramin | | Gramin Bank | | Gramin Bank | | Gramin Bank | | | | | | Bank
| |
| |
| |
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (113)
| (114)
|
| (115)
| (116)
|
| (117)
| (118)
|
| (119)
| (120)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 350 | 507 | | 319 | 377 | | 1043 | N | | 160 | 289 | | | a) | Interest/discount on advances/bills | 128 | 149 | | 99 | 80 | | 509 | o | | 35 | 71 | | | b) | Income on investments | | 13 | 65 | | 82 | 116 | | 170 | t | | 29 | 47 | | | c) | Interest on balances with RBI and other | 210 | 293 | | 137 | 182 | | 364 | A | | 96 | 171 | | | | inter-bank funds | | | | | | | | | v | | | | | | d) | Others | | - | - | | - | - | | - | a | | - | - | | | | | | | | | | | | | i | | | | II. | Other income | | 23 | 32 | | 23 | 18 | | 49 | l | | 3 | 10 | | | a) | Commission, exchange, brokerage, etc. | 7 | 16 | | 4 | 4 | | 7 | a | | 2 | 1 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | b | | - | - | | | c) | Net profit (loss) on revaluation of investments | - | - | | - | - | | - | l | | - | - | | | d) | Net profit (loss) on sale of land, building | - | - | | - | - | | - | e | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | | | - | - | | | f) | Miscellaneous income | | 16
| 16
|
| 20
| 14
|
| 42
|
|
| 1
| 8
|
| Total (I+II)
|
| 373
| 539
|
| 342
| 396
|
| 1092
|
|
| 164
| 299
| | | | | | | | | | | | | | | | | Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 312 | 438 | | 253 | 340 | | 1043 | | | 114 | 184 | | | a) | Interest on deposits | | 258 | 384 | | 227 | 313 | | 879 | | | 106 | 174 | | | b) | Interest on RBI/inter-bank borrowings | 54 | 54 | | 23 | 23 | | 12 | | | 7 | 10 | | | c) | Others | | - | - | | 3 | 4 | | 152 | | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 271 | 298 | | 139 | 213 | | 826 | | | 102 | 225 | | | a) | Payments to and provisions for employees | 221 | 249 | | 114 | 181 | | 722 | | | 77 | 93 | | | b) | Rent, taxes and lighting | | 6 | 6 | | 3 | 4 | | 20 | | | 2 | 2 | | | c) | Printing and stationery | | 4 | 4 | | 1 | 2 | | 12 | | | 1 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | | | - | - | | | e) | Depreciation on Bank's property | 1 | 2 | | 1 | 2 | | 3 | | | 1 | 119 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | | | - | - | | | g) | Auditors' fees and expenses | | - | 1 | | - | - | | 2 | | | - | - | | | h) | Law charges | | - | 1 | | - | - | | - | | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | - | - | | 1 | | | - | - | | | j) | Repairs and maintenance | | 4 | 4 | | - | - | | 1 | | | - | - | | | k) | Insurance | | 27 | 2 | | 13 | 17 | | 7 | | | 1 | 2 | | | l) | Other expenditure | | 6 | 27 | | 6 | 7 | | 57 | | | 19 | 4 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 53 | 167 | | - | - | | 523 | | | 102 | - | | | | | | | | | | | | | | | | | | | Total expenses | | 636 | 903 | | 393 | 553 | | 2392 | | | 216 | 408 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (263)
| (364)
|
| (50)
| (157)
|
| (1300)
|
|
| (52)
| (110)
| Total (III+IV+V+VI)
|
| 373
| 539
|
| 342
| 396
|
| 1092
|
|
| 164
| 299
|
Note | : | Figures in bracket indicate loss. | - | : | Nil or negligible. | Source | : | Annual accounts of banks. |
|