|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Hindon | | Hissar-Sirsa | | Howrah | | Indore Ujjain | Items | | | | Gramin Bank
| | Kshetriya Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (145)
| (146)
|
| (147)
| (148)
|
| (149)
| (150)
|
| (151)
| (152)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 121 | 213 | | 547 | 780 | | 911 | 1333 | | 198 | 344 | | | a) | Interest/discount on advances/bills | 32 | 44 | | 269 | 356 | | 214 | 295 | | 82 | 131 | | | b) | Income on investments | | 27 | 52 | | 108 | 155 | | 523 | 592 | | 115 | 208 | | | c) | Interest on balances with RBI and other | 61 | - | | 170 | 269 | | 173 | 447 | | 2 | 5 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | 116 | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 9 | 4 | | 37 | 30 | | 49 | 58 | | 17 | 23 | | | a) | Commission, exchange, brokerage, etc. | 3 | 3 | | 4 | 5 | | 33 | 41 | | (4) | 4 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | - | | - | - | | | c) | Net profit (loss) on revaluation of investments | 5 | - | | - | - | | - | - | | - | - | | | d) | Net profit (loss) on sale of land, building | - | - | | - | - | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 1
| 1
|
| 32
| 25
|
| 16
| 17
|
| 21
| 19
|
| Total (I+II)
|
| 129
| 217
|
| 583
| 810
|
| 960
| 1391
|
| 215
| 367
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 102 | 140 | | 376 | 508 | | 548 | 842 | | 149 | 221 | | | a) | Interest on deposits | | 96 | 132 | | 299 | 410 | | 515 | 806 | | 124 | 187 | | | b) | Interest on RBI/inter-bank borrowings | 6 | 8 | | 4 | 3 | | 33 | 36 | | 25 | 34 | | | c) | Others | | - | - | | 73 | 94 | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 81 | 85 | | 159 | 184 | | 300 | 351 | | 131 | 163 | | | a) | Payments to and provisions for employees | 60 | 65 | | 134 | 154 | | 268 | 295 | | 113 | 142 | | | b) | Rent, taxes and lighting | | 2 | 3 | | 6 | 7 | | 8 | 9 | | 4 | 6 | | | c) | Printing and stationery | | 1 | 1 | | 2 | 3 | | 4 | 6 | | 3 | 1 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | 1 | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 3 | 3 | | 3 | 4 | | 1 | 1 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 1 | 1 | | 1 | 1 | | - | - | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 1 | 1 | | 1 | 1 | | 1 | 1 | | | j) | Repairs and maintenance | | - | - | | 1 | - | | 1 | 1 | | 1 | 1 | | | k) | Insurance | | 12 | 9 | | 3 | 3 | | 6 | 25 | | 1 | 1 | | | l) | Other expenditure | | 4 | 4 | | 9 | 12 | | 9 | 9 | | 7 | 9 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 10 | 102 | | 43 | 54 | | 76 | 66 | | 22 | 154 | | | | | | | | | | | | | | | | | | | Total expenses | | 192 | 326 | | 577 | 746 | | 925 | 1259 | | 302 | 537 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (63)
| (110)
|
| 6
| 64
|
| 35
| 132
|
| (87)
| (170)
| Total (III+IV+V+VI)
|
| 129
| 217
|
| 583
| 810
|
| 960
| 1391
|
| 215
| 367
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Jaipur Nagaur Anchalik | | Jammu Rural | | Jamnagar | | Jamuna | | | | | | Gramin Bank
| | Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (153)
| (154)
|
| (155)
| (156)
|
| (157)
| (158)
|
| (159)
| (160)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 1808 | 2267 | | 1203 | 1925 | | 481 | 605 | | 395 | 785 | | | a) | Interest/discount on advances/bills | 337 | 524 | | 155 | 228 | | 219 | 189 | | 252 | 332 | | | b) | Income on investments | | 619 | 641 | | 107 | 221 | | - | 134 | | 86 | 257 | | | c) | Interest on balances with RBI and other | 852 | 1101 | | 941 | 1476 | | 262 | 282 | | 56 | 196 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | 1 | - | | | | | | | | | | | | | | | | | II. | Other income | | 59 | 131 | | 12 | 15 | | 4 | 8 | | 45 | 63 | | | a) | Commission, exchange, brokerage, etc. | 15 | 16 | | 3 | 5 | | 4 | 8 | | 25 | 38 | | | 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 | - | 2 | | - | - | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 44
| 113
|
| 9
| 11
|
| -
| -
|
| 20
| 25
|
| Total (I+II)
|
| 1867
| 2398
|
| 1215
| 1940
|
| 485
| 613
|
| 440
| 848
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 1125 | 1654 | | 756 | 1167 | | 409 | 553 | | 341 | 584 | | | a) | Interest on deposits | | 1053 | 1580 | | 725 | 1123 | | 341 | 465 | | 283 | 503 | | | b) | Interest on RBI/inter-bank borrowings | 71 | 74 | | - | - | | 69 | 87 | | 6 | 8 | | | c) | Others | | - | - | | 31 | 44 | | - | - | | 51 | 74 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 689 | 698 | | 408 | 455 | | 220 | 231 | | 201 | 228 | | | a) | Payments to and provisions for employees | 611 | 616 | | 359 | 404 | | 203 | 210 | | 162 | 176 | | | b) | Rent, taxes and lighting | | 9 | 10 | | 8 | 9 | | 4 | 5 | | 9 | 9 | | | c) | Printing and stationery | | 6 | 7 | | 9 | 8 | | 3 | 4 | | 2 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 2 | | 2 | 3 | | 1 | 1 | | 3 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 2 | | 1 | 1 | | - | 1 | | - | 1 | | | h) | Law charges | | 1 | 1 | | 1 | 1 | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 4 | 4 | | 1 | 2 | | 1 | 1 | | 2 | 3 | | | j) | Repairs and maintenance | | 1 | - | | - | 1 | | - | 1 | | - | - | | | k) | Insurance | | 34 | 35 | | 5 | 7 | | 2 | 2 | | - | - | | | l) | Other expenditure | | 21 | 21 | | 21 | 20 | | 5 | 6 | | 21 | 32 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | 344 | | 45 | 293 | | - | - | | 39 | 231 | | | | | | | | | | | | | | | | | | | Total expenses | | 1813 | 2695 | | 1209 | 1915 | | 629 | 783 | | 581 | 1043 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | 53
| (297)
|
| 6
| 25
|
| (144)
| (171)
|
| (141)
| (196)
| Total (III+IV+V+VI)
|
| 1867
| 2398
|
| 1215
| 1940
|
| 485
| 613
|
| 440
| 848
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Jhbua Dhar Kshetriya | | Junagadh Amreli | | Ka Bank | | Kakathiya | | | | | | Gramin Bank
| | Gramin Bank
| | Nongkyndong
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (161)
| (162)
|
| (163)
| (164)
|
| (165)
| (166)
|
| (167)
| (168)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 368 | 604 | | 237 | 340 | | 604 | 994 | | 355 | 373 | | | a) | Interest/discount on advances/bills | 256 | 373 | | 74 | 94 | | 49 | 85 | | 267 | 225 | | | b) | Income on investments | | 3 | 10 | | 28 | 78 | | 392 | 622 | | - | - | | | c) | Interest on balances with RBI and other | 109 | 220 | | 135 | 169 | | 163 | 288 | | 88 | 148 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 33 | 29 | | 14 | 26 | | 46 | 35 | | 36 | 28 | | | a) | Commission, exchange, brokerage, etc. | 5 | 5 | | 5 | 17 | | 38 | 31 | | 8 | 7 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | - | | - | - | | | c) | Net profit (loss) on revaluation of investments | - | - | | 10 | - | | - | - | | - | - | | | d) | Net profit (loss) on sale of land, building | - | - | | - | - | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 28
| 24
|
| -
| 9
|
| 8
| 4
|
| 29
| 21
|
| Total (I+II)
|
| 401
| 634
|
| 251
| 366
|
| 651
| 1030
|
| 391
| 401
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 440 | 614 | | 193 | 261 | | 325 | 484 | | 265 | 325 | | | a) | Interest on deposits | | 347 | 510 | | 162 | 218 | | 289 | 436 | | 178 | 225 | | | b) | Interest on RBI/inter-bank borrowings | 94 | 104 | | 25 | 33 | | 36 | 48 | | 86 | 99 | | | c) | Others | | - | - | | 7 | 10 | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 346 | 380 | | 136 | 142 | | 178 | 189 | | 208 | 203 | | | a) | Payments to and provisions for employees | 312 | 341 | | 117 | 122 | | 148 | 153 | | 163 | 165 | | | b) | Rent, taxes and lighting | | 8 | 9 | | 3 | 3 | | 8 | 9 | | 6 | 6 | | | c) | Printing and stationery | | 5 | 4 | | 1 | 3 | | 2 | 5 | | 4 | 4 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 1 | 1 | | 2 | 2 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | - | | - | - | | - | - | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 2 | 1 | | 1 | 1 | | - | 1 | | 1 | 1 | | | j) | Repairs and maintenance | | 1 | 1 | | - | - | | - | - | | - | 1 | | | k) | Insurance | | 1 | 6 | | 2 | 2 | | 3 | 4 | | 22 | 3 | | | l) | Other expenditure | | 15 | 13 | | 11 | 9 | | 14 | 15 | | 9 | 21 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | 1001 | | 29 | - | | 140 | 268 | | 776 | 41 | | | | | | | | | | | | | | | | | | | Total expenses | | 786 | 1994 | | 359 | 403 | | 643 | 940 | | 643 | 569 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (385)
| (1360)
|
| (108)
| (37)
|
| 8
| 89
|
| (252)
| (168)
| Total (III+IV+V+VI)
|
| 401
| 634
|
| 251
| 366
|
| 651
| 1030
|
| 391
| 401
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|