|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Kshetriya | | Kutch | | K.Kisan | | Lakhimi | | | | | | Gramin Bank
| | Grameen Bank
| | Gramin Bank
| | Gaonlia Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (193)
| (194)
|
| (195)
| (196)
|
| (197)
| (198)
|
| (199)
| (200)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 578 | 871 | | 400 | 751 | | 517 | 704 | | 585 | 852 | | | a) | Interest/discount on advances/bills | 175 | 354 | | 67 | 173 | | 244 | 202 | | 137 | 175 | | | b) | Income on investments | | 192 | 256 | | 137 | 274 | | 18 | 56 | | 242 | 534 | | | c) | Interest on balances with RBI and other | 211 | 261 | | 195 | 303 | | 146 | 155 | | 20 | 4 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | 109 | 291 | | 187 | 139 | | | | | | | | | | | | | | | | | II. | Other income | | 39 | 25 | | 43 | 27 | | 46 | 15 | | 33 | 38 | | | a) | Commission, exchange, brokerage, etc. | 21 | 25 | | 26 | 9 | | 1 | 3 | | 12 | 16 | | | 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 | | 18
| -
|
| 16
| 18
|
| 44
| 12
|
| 21
| 22
|
| Total (I+II)
|
| 617
| 896
|
| 442
| 778
|
| 563
| 719
|
| 618
| 889
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 494 | 693 | | 364 | 527 | | 436 | 712 | | 485 | 635 | | | a) | Interest on deposits | | 442 | 633 | | 329 | 480 | | 237 | 364 | | 437 | 582 | | | b) | Interest on RBI/inter-bank borrowings | 5 | 4 | | 35 | 47 | | 52 | 58 | | 48 | 52 | | | c) | Others | | 47 | 55 | | - | - | | 146 | 291 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 425 | 443 | | 209 | 200 | | 320 | 585 | | 451 | 604 | | | a) | Payments to and provisions for employees | 380 | 393 | | 193 | 182 | | 224 | 244 | | 363 | 538 | | | b) | Rent, taxes and lighting | | 10 | 11 | | 2 | 3 | | 4 | 5 | | 12 | 14 | | | c) | Printing and stationery | | 4 | 5 | | 2 | 3 | | 2 | 3 | | 6 | 7 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 2 | 2 | | 1 | 2 | | 3 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | - | | - | 1 | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | 1 | 2 | | - | - | | | i) | Postage, telegrams, telephones, etc. | 2 | 2 | | 2 | 2 | | - | 1 | | 1 | 2 | | | j) | Repairs and maintenance | | 3 | 4 | | - | 1 | | - | - | | 1 | 1 | | | k) | Insurance | | 1 | 6 | | 3 | 2 | | 38 | 11 | | 1 | 1 | | | l) | Other expenditure | | 23 | 18 | | 5 | 5 | | 48 | 318 | | 63 | 37 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 63 | 898 | | 209 | - | | 1034 | - | | 2 | 1255 | | | | | | | | | | | | | | | | | | | Total expenses | | 983 | 2034 | | 573 | 727 | | 1789 | 1297 | | 650 | 2494 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (366)
| (1138)
|
| (131)
| 51
|
| (1226)
| (579)
|
| (32)
| (1604)
| Total (III+IV+V+VI)
|
| 617
| 896
|
| 442
| 778
|
| 563
| 719
|
| 618
| 889
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Langpi Dehangi | | Madhubani Kshetriya | | Magadh | | Mahakaushal Kshetriya | | | | | | Rural Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (201)
| (202)
|
| (203)
| (204)
|
| (205)
| (206)
|
| (207)
| (208)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 143 | 140 | | 158 | 225 | | 1857 | 2525 | | 63 | 80 | | | a) | Interest/discount on advances/bills | 32 | 41 | | 37 | 59 | | 265 | 232 | | 16 | 12 | | | b) | Income on investments | | 34 | 39 | | - | - | | 517 | 1660 | | - | - | | | c) | Interest on balances with RBI and other | 78 | 61 | | 121 | 166 | | 1076 | 634 | | 47 | 68 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 20 | 18 | | 5 | 6 | | 27 | 32 | | 11 | 11 | | | a) | Commission, exchange, brokerage, etc. | 7 | 10 | | 2 | 6 | | 3 | 3 | | 2 | 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 | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 12
| 8
|
| 3
| -
|
| 24
| 29
|
| 7
| 7
|
| Total (I+II)
|
| 163
| 158
|
| 163
| 232
|
| 1884
| 2557
|
| 73
| 91
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 145 | 171 | | 297 | 410 | | 1239 | 1670 | | 111 | 154 | | | a) | Interest on deposits | | 127 | 155 | | 276 | 403 | | 1185 | 1616 | | 107 | 146 | | | b) | Interest on RBI/inter-bank borrowings | 2 | 2 | | 21 | 6 | | 3 | 3 | | 4 | 8 | | | c) | Others | | 16 | 14 | | - | - | | 52 | 52 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 177 | 186 | | 332 | 347 | | 884 | 914 | | 156 | 170 | | | a) | Payments to and provisions for employees | 143 | 162 | | 310 | 324 | | 720 | 756 | | 135 | 152 | | | b) | Rent, taxes and lighting | | 3 | 3 | | 5 | 5 | | 9 | 9 | | 5 | 6 | | | c) | Printing and stationery | | 2 | 2 | | 2 | 3 | | 6 | 8 | | 2 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 1 | 2 | | 3 | 3 | | 1 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | 0 | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 1 | 1 | | 2 | 2 | | - | - | | | h) | Law charges | | - | - | | - | 0 | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | - | - | | - | 1 | | 2 | 3 | | 1 | 1 | | | j) | Repairs and maintenance | | 1 | - | | 1 | 1 | | - | 1 | | - | - | | | k) | Insurance | | 9 | 3 | | 4 | 3 | | 130 | 118 | | 7 | 2 | | | l) | Other expenditure | | 18 | 14 | | 8 | 9 | | 11 | 13 | | 5 | 3 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 17 | 47 | | - | 188 | | 138 | 1567 | | - | 287 | | | | | | | | | | | | | | | | | | | Total expenses | | 339 | 404 | | 629 | 945 | | 2261 | 4151 | | 267 | 611 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (176)
| (246)
|
| (465)
| (713)
|
| (377)
| (1594)
|
| (194)
| (521)
| Total (III+IV+V+VI)
|
| 163
| 158
|
| 163
| 232
|
| 1884
| 2557
|
| 73
| 91
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Malaprabha | | Mallabhum | | Malwa | | Mandla Balaghat | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Kshetriya Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (209)
| (210)
|
| (211)
| (212)
|
| (213)
| (214)
|
| (215)
| (216)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 3714 | 5168 | | 1729 | 2510 | | 526 | 691 | | 97 | 195 | | | a) | Interest/discount on advances/bills | 2621 | 3453 | | 472 | 687 | | 260 | 343 | | 16 | 47 | | | b) | Income on investments | | 240 | 767 | | 477 | 962 | | 102 | 136 | | - | - | | | c) | Interest on balances with RBI and other | 853 | 948 | | 780 | 861 | | 164 | 213 | | 81 | 148 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 615 | 366 | | 169 | 262 | | 48 | 59 | | 10 | 13 | | | a) | Commission, exchange, brokerage, etc. | 35 | 43 | | 160 | 217 | | 47 | 35 | | 7 | 8 | | | 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 | | 581
| 323
|
| 9
| 45
|
| 1
| 24
|
| 3
| 6
|
| Total (I+II)
|
| 4329
| 5534
|
| 1898
| 2771
|
| 573
| 750
|
| 107
| 208
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 2295 | 2822 | | 1543 | 2164 | | 315 | 417 | | 147 | 223 | | | a) | Interest on deposits | | 1373 | 1758 | | 1417 | 2026 | | 229 | 303 | | 146 | 220 | | | b) | Interest on RBI/inter-bank borrowings | 923 | 1064 | | 125 | 138 | | 35 | 113 | | 1 | 3 | | | c) | Others | | - | - | | - | - | | 50 | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 1543 | 1695 | | 1099 | 1169 | | 125 | 138 | | 183 | 191 | | | a) | Payments to and provisions for employees | 1362 | 1485 | | 968 | 1069 | | 107 | 118 | | 153 | 168 | | | b) | Rent, taxes and lighting | | 24 | 31 | | 20 | 24 | | 4 | 4 | | 3 | 4 | | | c) | Printing and stationery | | 19 | 21 | | 14 | 13 | | 1 | 2 | | 2 | 2 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 11 | 13 | | 4 | 4 | | 3 | 3 | | 1 | 1 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 3 | 4 | | 2 | 2 | | - | 1 | | - | - | | | h) | Law charges | | - | 1 | | 1 | 1 | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 15 | 17 | | 2 | 1 | | 1 | 1 | | 1 | 1 | | | j) | Repairs and maintenance | | 3 | 2 | | 1 | 2 | | - | - | | - | - | | | k) | Insurance | | 11 | 12 | | 52 | 14 | | 2 | 1 | | 3 | 4 | | | l) | Other expenditure | | 94 | 109 | | 36 | 38 | | 7 | 8 | | 20 | 11 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 149 | 987 | | 361 | 1032 | | 39 | 45 | | 33 | 71 | | | | | | | | | | | | | | | | | | | Total expenses | | 3988 | 5504 | | 3003 | 4366 | | 478 | 600 | | 363 | 485 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | 341
| 30
|
| (1105)
| (1594)
|
| 95
| 150
|
| (256)
| (277)
| Total (III+IV+V+VI)
|
| 4329
| 5534
|
| 1898
| 2771
|
| 573
| 750
|
| 107
| 208
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|