|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31 March
| | | | | | Kalahandi Anchalika | | Kalpatharu | | Kamraz | | Kanakadurga | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (169)
| (170)
|
| (171)
| (172)
|
| (173)
| (174)
|
| (175)
| (176)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 239 | 355 | | 694 | 1116 | | 454 | 628 | | 467 | 607 | | | a) | Interest/discount on advances/bills | 140 | 184 | | 317 | 538 | | 66 | 79 | | 263 | 365 | | | b) | Income on investments | | 7 | 23 | | 347 | 457 | | 113 | 127 | | 202 | 239 | | | c) | Interest on balances with RBI and other | 92 | 147 | | 30 | 28 | | 275 | 422 | | 2 | 2 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | 93 | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 34 | 12 | | 62 | 85 | | 10 | 24 | | 14 | 18 | | | a) | Commission, exchange, brokerage, etc. | - | - | | 42 | 50 | | 4 | 5 | | 2 | 4 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | 11 | | - | - | | | 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 | | 33
| 12
|
| 20
| 35
|
| 6
| 8
|
| 12
| 14
|
| Total (I+II)
|
| 273
| 367
|
| 756
| 1201
|
| 464
| 652
|
| 481
| 625
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 230 | 330 | | 550 | 715 | | 393 | 531 | | 287 | 334 | | | a) | Interest on deposits | | 149 | 244 | | 407 | 550 | | 371 | 509 | | 201 | 228 | | | b) | Interest on RBI/inter-bank borrowings | 81 | 86 | | 144 | 165 | | 22 | 23 | | 85 | 106 | | | c) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 342 | 399 | | 369 | 449 | | 363 | 419 | | 117 | 121 | | | a) | Payments to and provisions for employees | 297 | 361 | | 298 | 381 | | 313 | 355 | | 93 | 98 | | | b) | Rent, taxes and lighting | | 7 | 8 | | 7 | 8 | | 7 | 8 | | 4 | 5 | | | c) | Printing and stationery | | 5 | 5 | | 5 | 6 | | 3 | 8 | | 3 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | 1 | | | e) | Depreciation on Bank's property | 2 | 3 | | 3 | 3 | | 2 | 3 | | 4 | 4 | | | f) | Directors' fees, allowances and expenses | 1 | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | - | 1 | | - | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 3 | 4 | | 2 | 3 | | - | - | | 2 | 3 | | | j) | Repairs and maintenance | | 1 | 2 | | 1 | 2 | | - | - | | 2 | 2 | | | k) | Insurance | | 14 | 7 | | 34 | 27 | | 4 | 5 | | 2 | 3 | | | l) | Other expenditure | | 12 | 9 | | 17 | 19 | | 31 | 39 | | 7 | 2 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | 290 | | 25 | 463 | | 18 | 182 | | 13 | 48 | | | | | | | | | | | | | | | | | | | Total expenses | | 572 | 1019 | | 945 | 1627 | | 774 | 1132 | | 417 | 503 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (300)
| (653)
|
| (189)
| (426)
|
| (310)
| (480)
|
| 64
| 121
| Total (III+IV+V+VI)
|
| 273
| 367
|
| 756
| 1201
|
| 464
| 652
|
| 481
| 625
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Kanpur Kshetriya | | Kapurthala Firozpur Kshetriya | | Kashi | | Kisan | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (177)
| (178)
|
| (179)
| (180)
|
| (181)
| (182)
|
| (183)
| (184)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 872 | 1709 | | 301 | 505 | | 779 | 1151 | | 276 | 409 | | | a) | Interest/discount on advances/bills | 177 | 429 | | 75 | 140 | | 206 | 284 | | 111 | 135 | | | b) | Income on investments | | 240 | 775 | | 75 | 138 | | 245 | 442 | | 48 | 87 | | | c) | Interest on balances with RBI and other | 450 | 504 | | 152 | 227 | | 327 | 426 | | 118 | 186 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | 5 | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 65 | 57 | | 38 | 46 | | 40 | 52 | | 16 | 26 | | | a) | Commission, exchange, brokerage, etc. | 61 | 52 | | 2 | 2 | | 11 | 14 | | 10 | 14 | | | 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 | | 4
| 4
|
| 36
| 44
|
| 29
| 38
|
| 6
| 12
|
| Total (I+II)
|
| 937
| 1766
|
| 339
| 551
|
| 818
| 1203
|
| 292
| 435
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 921 | 1347 | | 326 | 383 | | 745 | 1011 | | 253 | 363 | | | a) | Interest on deposits | | 806 | 1195 | | 293 | 346 | | 686 | 953 | | 211 | 316 | | | b) | Interest on RBI/inter-bank borrowings | - | - | | 33 | 37 | | 2 | 2 | | 42 | 47 | | | c) | Others | | 115 | 151 | | - | - | | 57 | 56 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 548 | 543 | | 200 | 193 | | 372 | 418 | | 246 | 264 | | | a) | Payments to and provisions for employees | 428 | 476 | | 156 | 171 | | 306 | 341 | | 212 | 233 | | | b) | Rent, taxes and lighting | | 11 | 12 | | 3 | 4 | | 9 | 13 | | 5 | 6 | | | c) | Printing and stationery | | 6 | 5 | | 3 | 3 | | 5 | 6 | | 3 | 4 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 4 | 4 | | 4 | 4 | | 3 | 3 | | 2 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | 1 | | 1 | 1 | | - | 1 | | | h) | Law charges | | - | 1 | | - | - | | 1 | 1 | | - | - | | | i) | Postage, telegrams, telephones, etc. | - | 1 | | 1 | 1 | | 1 | 2 | | 1 | 1 | | | j) | Repairs and maintenance | | - | 1 | | 1 | 1 | | 2 | 2 | | 1 | 1 | | | k) | Insurance | | 75 | 16 | | - | 1 | | 19 | 19 | | - | 1 | | | l) | Other expenditure | | 22 | 24 | | 32 | 9 | | 26 | 31 | | 20 | 16 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 59 | 1854 | | 49 | 456 | | 72 | 1531 | | 46 | 175 | | | | | | | | | | | | | | | | | | | Total expenses | | 1528 | 3743 | | 575 | 1032 | | 1189 | 2960 | | 545 | 802 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (592)
| (1977)
|
| (236)
| (482)
|
| (370)
| (1757)
|
| (253)
| (367)
| Total (III+IV+V+VI)
|
| 937
| 1766
|
| 339
| 551
|
| 818
| 1203
|
| 292
| 435
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Kolar | | Koraput Panchabati | | Kosi Kshetriya | | Krishna | Items | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (185)
| (186)
|
| (187)
| (188)
|
| (189)
| (190)
|
| (191)
| (192)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 684 | 1097 | | 955 | 1347 | | 548 | 845 | | 1035 | 1856 | | | a) | Interest/discount on advances/bills | 359 | 576 | | 232 | 460 | | 141 | 204 | | 595 | 1247 | | | b) | Income on investments | | 322 | 517 | | 377 | 887 | | - | - | | 124 | 259 | | | c) | Interest on balances with RBI and other | 3 | - | | 346 | - | | 406 | 642 | | 316 | 350 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | 5 | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 74 | 66 | | 48 | 46 | | 25 | 21 | | 120 | 49 | | | a) | Commission, exchange, brokerage, etc. | 7 | 10 | | 1 | - | | 4 | 4 | | 100 | 49 | | | 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 | | 66
| 56
|
| 47
| 46
|
| 21
| 17
|
| 20
| -
|
| Total (I+II)
|
| 758
| 1164
|
| 1002
| 1392
|
| 573
| 866
|
| 1155
| 1906
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 511 | 643 | | 524 | 711 | | 635 | 859 | | 770 | 1218 | | | a) | Interest on deposits | | 355 | 486 | | 368 | 557 | | 557 | 804 | | 620 | 927 | | | b) | Interest on RBI/inter-bank borrowings | 145 | 158 | | 156 | 154 | | 78 | 55 | | - | - | | | c) | Others | | 11 | - | | - | - | | - | - | | 150 | 291 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 362 | 414 | | 525 | 596 | | 694 | 1031 | | 604 | 715 | | | a) | Payments to and provisions for employees | 269 | 375 | | 447 | 508 | | 568 | 652 | | 412 | 441 | | | b) | Rent, taxes and lighting | | 7 | 9 | | 8 | 9 | | 10 | 11 | | 11 | 11 | | | c) | Printing and stationery | | 3 | 2 | | 7 | 8 | | 9 | 10 | | 6 | 10 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 3 | | 4 | 4 | | 2 | 3 | | 3 | 4 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | 1 | 1 | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 3 | 3 | | 4 | 4 | | 1 | 2 | | 2 | 3 | | | j) | Repairs and maintenance | | 1 | 1 | | 1 | 1 | | 1 | 2 | | - | 1 | | | k) | Insurance | | 46 | 8 | | 45 | 41 | | 29 | 26 | | 59 | 7 | | | l) | Other expenditure | | 30 | 13 | | 9 | 18 | | 74 | 323 | | 110 | 236 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | 430 | | 418 | 395 | | - | - | | 425 | (311) | | | | | | | | | | | | | | | | | | | Total expenses | | 873 | 1487 | | 1467 | 1702 | | 1329 | 1890 | | 1800 | 1621 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (116)
| (323)
|
| (464)
| (310)
|
| (756)
| (1024)
|
| (645)
| 284
| Total (III+IV+V+VI)
|
| 758
| 1164
|
| 1002
| 1392
|
| 573
| 866
|
| 1155
| 1906
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|