|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Nadia | | Nagaland | | Nagarjuna | | Nainital Almora | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Kshetriya Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (241)
| (242)
|
| (243)
| (244)
|
| (245)
| (246)
|
| (247)
| (248)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 534 | 941 | | 37 | 79 | | 1295 | 1204 | | 394 | 700 | | | a) | Interest/discount on advances/bills | 134 | 232 | | 4 | 7 | | 542 | 514 | | 233 | 322 | | | b) | Income on investments | | 156 | 444 | | - | - | | 392 | 333 | | 158 | 373 | | | c) | Interest on balances with RBI and other | 245 | 265 | | 32 | 72 | | 361 | 358 | | 3 | 4 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 5 | 12 | | 6 | 2 | | 251 | 48 | | 22 | 25 | | | a) | Commission, exchange, brokerage, etc. | 5 | 12 | | 1 | 1 | | 42 | 42 | | 3 | 11 | | | 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 | | -
| -
|
| 5
| 2
|
| 209
| 6
|
| 19
| 15
|
| Total (I+II)
|
| 539
| 953
|
| 43
| 81
|
| 1546
| 1253
|
| 416
| 725
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 450 | 651 | | 25 | 92 | | 861 | 1112 | | 315 | 455 | | | a) | Interest on deposits | | 373 | 551 | | 12 | 46 | | 738 | 938 | | 264 | 383 | | | b) | Interest on RBI/inter-bank borrowings | 77 | 101 | | 13 | 1 | | 121 | 170 | | 49 | 71 | | | c) | Others | | - | - | | - | 44 | | 2 | 3 | | 1 | 1 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 294 | 315 | | 28 | 33 | | 724 | 860 | | 204 | 225 | | | a) | Payments to and provisions for employees | 240 | 287 | | 25 | 26 | | 645 | 746 | | 173 | 187 | | | b) | Rent, taxes and lighting | | 5 | 6 | | 1 | 1 | | 18 | 20 | | 10 | 14 | | | c) | Printing and stationery | | 5 | 5 | | - | - | | 9 | 9 | | 4 | 4 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | - | - | | 3 | 3 | | 3 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | 1 | | - | - | | 1 | 2 | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | 2 | 1 | | - | - | | | i) | Postage, telegrams, telephones, etc. | - | - | | - | - | | 3 | 4 | | 2 | 2 | | | j) | Repairs and maintenance | | - | - | | - | - | | 1 | 1 | | 3 | 3 | | | k) | Insurance | | 2 | 2 | | 1 | 1 | | 9 | 34 | | 1 | 2 | | | l) | Other expenditure | | 39 | 11 | | - | 4 | | 33 | 41 | | 7 | 9 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 1256 | 398 | | 28 | - | | 53 | 47 | | 27 | 43 | | | | | | | | | | | | | | | | | | | Total expenses | | 2000 | 1364 | | 81 | 124 | | 1638 | 2019 | | 546 | 723 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (1461)
| (411)
|
| (38)
| (43)
|
| (92)
| (767)
|
| (129)
| 2
| Total (III+IV+V+VI)
|
| 539
| 953
|
| 43
| 81
|
| 1546
| 1253
|
| 416
| 725
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Nalanda | | Netravati | | Nimar Kshetriya | | North Malabar | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (249)
| (250)
|
| (251)
| (252)
|
| (253)
| (254)
|
| (255)
| (256)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 275 | 450 | | 130 | 198 | | 506 | 825 | | 2284 | 3255 | | | a) | Interest/discount on advances/bills | 73 | 79 | | 83 | 134 | | 271 | 394 | | 1795 | 2418 | | | b) | Income on investments | | - | - | | 4 | 9 | | 116 | 125 | | 489 | 837 | | | c) | Interest on balances with RBI and other | 202 | 372 | | 44 | 56 | | 119 | 306 | | - | - | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 17 | 29 | | 15 | 21 | | 36 | 68 | | 239 | 309 | | | a) | Commission, exchange, brokerage, etc. | 1 | 3 | | 2 | 3 | | 3 | 3 | | 29 | 35 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | 1 | 21 | | - | - | | | 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 | | 16
| 27
|
| 13
| 18
|
| 32
| 42
|
| 210
| 274
|
| Total (I+II)
|
| 293
| 480
|
| 145
| 219
|
| 542
| 892
|
| 2523
| 3564
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 373 | 546 | | 97 | 140 | | 447 | 612 | | 1213 | 1616 | | | a) | Interest on deposits | | 363 | 541 | | 73 | 102 | | 377 | 529 | | 737 | 992 | | | b) | Interest on RBI/inter-bank borrowings | 10 | 6 | | 25 | 38 | | 5 | 5 | | 477 | 625 | | | c) | Others | | - | - | | - | - | | 66 | 79 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 337 | 326 | | 92 | 103 | | 291 | 305 | | 1090 | 1155 | | | a) | Payments to and provisions for employees | 258 | 284 | | 82 | 92 | | 243 | 270 | | 912 | 944 | | | b) | Rent, taxes and lighting | | 5 | 5 | | 3 | 3 | | 8 | 10 | | 25 | 29 | | | c) | Printing and stationery | | 2 | 2 | | 1 | 1 | | 5 | 5 | | 13 | 16 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | - | 1 | | 3 | 3 | | 5 | 7 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | - | | 1 | 1 | | 2 | 2 | | | h) | Law charges | | - | 1 | | - | - | | - | - | | - | 1 | | | i) | Postage, telegrams, telephones, etc. | 2 | 1 | | 1 | 1 | | 2 | 2 | | 14 | 16 | | | j) | Repairs and maintenance | | - | - | | - | - | | 2 | 1 | | 1 | 1 | | | k) | Insurance | | 1 | 1 | | 1 | 1 | | - | - | | 7 | 8 | | | l) | Other expenditure | | 67 | 29 | | 3 | 4 | | 27 | 13 | | 111 | 131 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 99 | 246 | | - | - | | (59) | 194 | | - | - | | | | | | | | | | | | | | | | | | | Total expenses | | 809 | 1118 | | 189 | 243 | | 679 | 1112 | | 2304 | 2771 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (517)
| (639)
|
| (44)
| (24)
|
| (137)
| (219)
|
| 219
| 793
| Total (III+IV+V+VI)
|
| 293
| 480
|
| 145
| 219
|
| 542
| 892
|
| 2523
| 3564
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Palamau Kshetriya | | Panchmahal | | Pandyan | | Parvatiya | | | | | | Gramin Bank
| | Gramin Bank
| | Grama Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (257)
| (258)
|
| (259)
| (260)
|
| (261)
| (262)
|
| (263)
| (264)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 474 | 717 | | 483 | 480 | | 1601 | 2315 | | 282 | | | | a) | Interest/discount on advances/bills | 93 | 128 | | 316 | 176 | | 1103 | 1639 | | 59 | | | | b) | Income on investments | | 162 | 193 | | 60 | 130 | | 498 | 673 | | 140 | | | | c) | Interest on balances with RBI and other | 219 | 396 | | 100 | 161 | | - | - | | 83 | | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 7 | 13 | | - | 3 | | - | | | | | | | | | | | | | | | | | N | II. | Other income | | 10 | 17 | | 27 | 77 | | 133 | 142 | | 22 | | | | a) | Commission, exchange, brokerage, etc. | 9 | 15 | | 8 | 12 | | 114 | 128 | | 1 | | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | - | | - | O | | | c) | Net profit (loss) on revaluation of investments | - | - | | - | - | | - | - | | - | | | | d) | Net profit (loss) on sale of land, building | - | - | | - | - | | 1 | - | | - | | | | | & other assets | | | | | | | | | | | | T | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | | | | f) | Miscellaneous income | | 2
| 2
|
| 19
| 66
|
| 17
| 14
|
| 21
|
|
| Total (I+II)
|
| 484
| 734
|
| 510
| 557
|
| 1734
| 2457
|
| 304
|
| Expenditure & Provisions | | | | | | | | | | | | A | | | | | | | | | | | | | | | | | III. | Interest expended | | 430 | 666 | | 397 | 508 | | 1175 | 1687 | | 224 | | | | a) | Interest on deposits | | 418 | 654 | | 277 | 384 | | 910 | 1298 | | 196 | V | | | b) | Interest on RBI/inter-bank borrowings | 11 | 12 | | 121 | 124 | | 80 | 205 | | 28 | | | | c) | Others | | - | - | | - | - | | 186 | 184 | | - | | | | | | | | | | | | | | | | | A | IV. | Operating expenses | | 344 | 399 | | 267 | 237 | | 888 | 1178 | | 101 | | | | a) | Payments to and provisions for employees | 287 | 321 | | 190 | 199 | | 736 | 1028 | | 86 | | | | b) | Rent, taxes and lighting | | 9 | 10 | | 7 | 7 | | 23 | 26 | | 3 | I | | | c) | Printing and stationery | | 5 | 11 | | 4 | 4 | | 16 | 20 | | 2 | | | | d) | Advertisement and publicity | | - | - | | - | - | | 1 | 1 | | - | | | | e) | Depreciation on Bank's property | 2 | 3 | | 3 | 2 | | 7 | 9 | | 2 | L | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | 2 | 2 | | - | | | | h) | Law charges | | - | - | | 1 | 1 | | - | - | | - | A | | | i) | Postage, telegrams, telephones, etc. | 1 | 2 | | 2 | 2 | | 10 | 12 | | 1 | | | | j) | Repairs and maintenance | | 1 | 1 | | 1 | 1 | | 1 | 2 | | - | | | | k) | Insurance | | 22 | 32 | | - | - | | 39 | 26 | | 1 | B | | | l) | Other expenditure | | 16 | 18 | | 58 | 19 | | 52 | 51 | | 5 | | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 106 | 357 | | - | - | | 232 | 141 | | - | L | | | | | | | | | | | | | | | | | | | Total expenses | | 880 | 1421 | | 664 | 745 | | 2296 | 3006 | | 324 | | | | | | | | | | | | | | | | | E | VI. | Profit (loss) | | (396)
| (687)
|
| (155)
| (188)
|
| (561)
| (548)
|
| (20)
|
| Total (III+IV+V+VI)
|
| 484
| 734
|
| 510
| 557
|
| 1734
| 2457
|
| 304
|
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|