|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Manipur | | Manjira | | Marathwada | | Marudhar Kshetriya | | | | | | Rural Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (217)
| (218)
|
| (219)
| (220)
|
| (221)
| (222)
|
| (223)
| (224)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 99 | 137 | | 907 | 1233 | | 1860 | 2640 | | 156 | 251 | | | a) | Interest/discount on advances/bills | 25 | 29 | | 580 | 824 | | 778 | 959 | | 69 | 121 | | | b) | Income on investments | | - | 11 | | 126 | 186 | | 1058 | 1662 | | - | 4 | | | c) | Interest on balances with RBI and other | 75 | 97 | | 201 | 223 | | 24 | 19 | | - | - | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | 87 | 126 | | | | | | | | | | | | | | | | | II. | Other income | | 5 | 5 | | 151 | 143 | | 146 | 126 | | 17 | 14 | | | a) | Commission, exchange, brokerage, etc. | 1 | 1 | | 15 | 15 | | 137 | 110 | | 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 | - | - | | - | 2 | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 4
| 4
|
| 136
| 126
|
| 9
| 15
|
| 15
| 12
|
| Total (I+II)
|
| 104
| 142
|
| 1058
| 1376
|
| 2006
| 2766
|
| 173
| 265
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 97 | 91 | | 688 | 909 | | 1311 | 1765 | | 256 | 386 | | | a) | Interest on deposits | | 42 | 62 | | 461 | 665 | | 1030 | 1405 | | 238 | 363 | | | b) | Interest on RBI/inter-bank borrowings | 54 | 29 | | 227 | 244 | | 281 | 360 | | - | - | | | c) | Others | | - | - | | - | - | | - | - | | 19 | 23 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 111 | 384 | | 387 | 484 | | 1042 | 1133 | | 237 | 281 | | | a) | Payments to and provisions for employees | 102 | 111 | | 330 | 327 | | 878 | 986 | | 211 | 243 | | | b) | Rent, taxes and lighting | | 4 | 4 | | 7 | 9 | | 24 | 26 | | 4 | 5 | | | c) | Printing and stationery | | 2 | 2 | | 9 | 5 | | 13 | 16 | | 4 | 4 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 1 | | 5 | 6 | | 5 | 6 | | 2 | 1 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 1 | 1 | | 2 | 3 | | - | - | | | h) | Law charges | | - | - | | - | - | | 1 | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | - | - | | 3 | 3 | | 7 | 8 | | 1 | 1 | | | j) | Repairs and maintenance | | - | - | | 1 | 1 | | - | - | | - | - | | | k) | Insurance | | 1 | 1 | | 13 | 5 | | 51 | 11 | | 1 | 3 | | | l) | Other expenditure | | 1 | 264 | | 18 | 126 | | 62 | 77 | | 13 | 24 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | - | | 360 | 460 | | - | 59 | | 34 | 49 | | | | | | | | | | | | | | | | | | | Total expenses | | 208 | 475 | | 1436 | 1853 | | 2353 | 2956 | | 527 | 716 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (103)
| (333)
|
| (377)
| (477)
|
| (347)
| (191)
|
| (354)
| (452)
| Total (III+IV+V+VI)
|
| 104
| 142
|
| 1058
| 1376
|
| 2006
| 2766
|
| 173
| 265
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Marwar | | Mayurakshi | | Mewar Anchalik | | Mithila Kshetriya | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (225)
| (226)
|
| (227)
| (228)
|
| (229)
| (230)
|
| (231)
| (232)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 1887 | 2657 | | 683 | 1037 | | 409 | 728 | | 253 | 414 | | | a) | Interest/discount on advances/bills | 488 | 713 | | 245 | 343 | | 118 | 206 | | 74 | 109 | | | b) | Income on investments | | 679 | 997 | | - | - | | 98 | 152 | | - | - | | | c) | Interest on balances with RBI and other | 718 | 946 | | 283 | 448 | | 17 | 3 | | 179 | 303 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | 1 | - | | 155 | 247 | | 176 | 367 | | - | 1 | | | | | | | | | | | | | | | | | II. | Other income | | 89 | 54 | | 62 | 95 | | 47 | 46 | | 7 | 11 | | | a) | Commission, exchange, brokerage, etc. | 75 | 52 | | 53 | 88 | | 5 | 7 | | 5 | 7 | | | 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 | | 14
| 2
|
| 8
| 8
|
| 42
| 39
|
| 1
| 4
|
| Total (I+II)
|
| 1976
| 2711
|
| 745
| 1133
|
| 457
| 775
|
| 259
| 425
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 1375 | 1961 | | 631 | 1076 | | 370 | 618 | | 347 | 498 | | | a) | Interest on deposits | | 1292 | 1854 | | 570 | 1005 | | 337 | 577 | | 304 | 465 | | | b) | Interest on RBI/inter-bank borrowings | 83 | 108 | | 61 | 71 | | 33 | 41 | | 43 | 32 | | | c) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 595 | 653 | | 469 | 501 | | 228 | 255 | | 393 | 870 | | | a) | Payments to and provisions for employees | 539 | 590 | | 436 | 464 | | 198 | 218 | | 282 | 310 | | | b) | Rent, taxes and lighting | | 9 | 11 | | 7 | 7 | | 8 | 9 | | 5 | 5 | | | c) | Printing and stationery | | 6 | 8 | | 5 | 6 | | 5 | 4 | | 2 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 1 | 1 | | 5 | 5 | | 1 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | - | - | | - | 1 | | | h) | Law charges | | 1 | - | | - | 1 | | - | - | | 1 | 1 | | | i) | Postage, telegrams, telephones, etc. | 5 | 5 | | 1 | 1 | | 2 | 3 | | - | 1 | | | j) | Repairs and maintenance | | 1 | 1 | | 1 | 1 | | - | 1 | | 1 | 2 | | | k) | Insurance | | 1 | 2 | | 4 | 7 | | - | - | | 1 | 1 | | | l) | Other expenditure | | 31 | 32 | | 13 | 13 | | 9 | 14 | | 99 | 546 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | - | | 105 | 280 | | - | 26 | | - | - | | | | | | | | | | | | | | | | | | | Total expenses | | 1971 | 2614 | | 1205 | 1857 | | 598 | 899 | | 740 | 1368 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | 6
| 97
|
| (460)
| (724)
|
| (142)
| (125)
|
| (480)
| (943)
| Total (III+IV+V+VI)
|
| 1976
| 2711
|
| 745
| 1133
|
| 457
| 775
|
| 259
| 425
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Mizoram | | Monghyr Kshetriya | | Murshidabad | | Muzaffarnagar | | | | | | Rural Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (233)
| (234)
|
| (235)
| (236)
|
| (237)
| (238)
|
| (239)
| (240)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | | | | 876 | 1426 | | 286 | | | 250 | 336 | | | | | | | | | | | | | | | | | | | a) | Interest/discount on advances/bills | | | | 160 | 370 | | 132 | | | 89 | 89 | | | b) | Income on investments | | | | 15 | 215 | | 66 | | | 81 | 126 | | | c) | Interest on balances with RBI and other | N | N | | 701 | 841 | | 88 | N | | 79 | 121 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | | | | - | - | | - | | | - | - | | | | | | O | O | | | | | | O | | | | | | | | | | | | | | | | | | | | II. | Other income | | | | | 78 | 80 | | 9 | | | 28 | 13 | | | | | | T | T | | | | | | T | | | | | | a) | Commission, exchange, brokerage, etc. | | | | 14 | 14 | | 4 | | | 1 | 1 | | | b) | Net profit (loss) on sale of investments | | | | - | - | | - | | | - | - | | | c) | Net profit (loss) on revaluation of investments | A | A | | - | - | | - | A | | - | - | | | d) | Net profit (loss) on sale of land, building | | | | | | | | | | | | | | | & other assets | | | | | - | - | | - | | | - | - | | | e) | Net profit (loss) on exchange transaction | V | V | | | | | | V | | | | | | f) | Miscellaneous income | | |
|
| 64
| 66
|
| 5
|
|
| 27
| 11
|
| Total (I+II)
|
|
|
|
| 916
| 1507
|
| 295
|
|
| 278
| 348
| Expenditure & Provisions | | A | A | | | | | | A | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | | | | 667 | 907 | | 205 | | | 154 | 244 | | | | | | I | I | | | | | | I | | | | | | a) | Interest on deposits | | | | | 642 | 892 | | 175 | | | 119 | 207 | | | b) | Interest on RBI/inter-bank borrowings | | | | 26 | 16 | | 30 | | | 8 | 12 | | | c) | Others | | L | L | | - | - | | - | L | | 27 | 26 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | IV. | Operating expenses | | A | A | | 486 | 569 | | 176 | A | | 102 | 121 | | | | | | | | | | | | | | | | | | | a) | Payments to and provisions for employees | | | | 457 | 526 | | 123 | | | 87 | 100 | | | b) | Rent, taxes and lighting | | B | B | | 9 | 10 | | 4 | B | | 3 | 3 | | | c) | Printing and stationery | | | | | 4 | 4 | | 3 | | | 1 | 2 | | | d) | Advertisement and publicity | | | | | - | - | | - | | | - | - | | | e) | Depreciation on Bank's property | L | L | | 2 | 2 | | 1 | L | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | | | | - | - | | - | | | - | - | | | g) | Auditors' fees and expenses | | | | | 1 | 1 | | - | | | - | 1 | | | h) | Law charges | | E | E | | - | - | | - | E | | - | - | | | i) | Postage, telegrams, telephones, etc. | | | | 1 | 1 | | - | | | 1 | 1 | | | j) | Repairs and maintenance | | | | | 1 | 1 | | - | | | - | - | | | k) | Insurance | | | | | 4 | 17 | | 2 | | | 1 | 4 | | | l) | Other expenditure | | | | | 7 | 6 | | 42 | | | 7 | 7 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | | | | - | 1781 | | 545 | | | 21 | 194 | | | | | | | | | | | | | | | | | | | Total expenses | | | | | 1153 | 3257 | | 926 | | | 277 | 559 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | |
|
| (1021)
| (1750)
|
| (631)
|
|
| 1
| (211)
| Total (III+IV+V+VI)
|
|
|
|
| 916
| 1507
|
| 295
|
|
| 278
| 348
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|