|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31 March
| | | | | | Patliputra | | Pinakini | | Pithoragarh | | Pragjyotish Gaonlia | | | | | | Gramin Bank
| | Gramin Bank
| | Kshetriya Gramin Bank
| | Gaonlia Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (265)
| (266)
|
| (267)
| (268)
|
| (269)
| (270)
|
| (271)
| (272)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 62 | 121 | | 758 | 1220 | | 355 | 486 | | 2180 | 2058 | | | a) | Interest/discount on advances/bills | 14 | 27 | | 498 | 763 | | 129 | 147 | | 946 | 586 | | | b) | Income on investments | | 16 | 51 | | - | - | | 83 | 125 | | - | 1472 | | | c) | Interest on balances with RBI and other | 32 | 43 | | 260 | 456 | | 142 | 214 | | 1234 | - | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 1 | 1 | | 39 | 64 | | 15 | 20 | | 73 | 78 | | | a) | Commission, exchange, brokerage, etc. | - | 1 | | 18 | 24 | | 5 | 18 | | 31 | 42 | | | 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 | | -
| 1
|
| 20
| 40
|
| 10
| 2
|
| 41
| 36
|
| Total (I+II)
|
| 62
| 123
|
| 797
| 1283
|
| 370
| 507
|
| 2253
| 2136
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 86 | 133 | | 648 | 832 | | 235 | 362 | | 1111 | 1549 | | | a) | Interest on deposits | | 81 | 130 | | 508 | 663 | | 211 | 329 | | 890 | 1303 | | | b) | Interest on RBI/inter-bank borrowings | 4 | 4 | | 140 | 169 | | 24 | 33 | | 222 | 246 | | | c) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 70 | 66 | | 482 | 572 | | 93 | 94 | | 1048 | 1085 | | | a) | Payments to and provisions for employees | 54 | 54 | | 385 | 494 | | 78 | 78 | | 897 | 936 | | | b) | Rent, taxes and lighting | | 2 | 3 | | 10 | 13 | | 5 | 5 | | 25 | 25 | | | c) | Printing and stationery | | 1 | 1 | | 6 | 7 | | 2 | 2 | | 13 | 17 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 4 | 4 | | 1 | 1 | | 7 | 7 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 1 | 2 | | - | - | | 2 | 3 | | | h) | Law charges | | - | - | | 1 | 1 | | - | - | | 1 | - | | | i) | Postage, telegrams, telephones, etc. | - | 1 | | 3 | 4 | | 1 | 1 | | 4 | 4 | | | j) | Repairs and maintenance | | - | 1 | | - | - | | - | - | | 2 | 2 | | | k) | Insurance | | 1 | 1 | | 2 | - | | 2 | 2 | | 5 | 6 | | | l) | Other expenditure | | 7 | 4 | | 70 | 47 | | 6 | 6 | | 93 | 84 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | - | | - | 734 | | - | - | | 442 | 1872 | | | | | | | | | | | | | | | | | | | Total expenses | | 155 | 200 | | 1129 | 2138 | | 328 | 456 | | 2602 | 4506 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (93)
| (77)
|
| (332)
| (855)
|
| 41
| 50
|
| (349)
| (2370)
| Total (III+IV+V+VI)
|
| 62
| 123
|
| 797
| 1283
|
| 370
| 507
|
| 2253
| 2136
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31 March
| | | | | | Pratapgarh Kshetriya | | Prathama | | Puri | | Rae Bareli Kshetriya | | | | | | Gramin Bank
| | Bank
| | Gramin Bank
| | Gaonlia Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (273)
| (274)
|
| (275)
| (276)
|
| (277)
| (278)
|
| (279)
| (280)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 709 | 1095 | | 2824 | 4381 | | 596 | 886 | | 842 | 1264 | | | a) | Interest/discount on advances/bills | 202 | 279 | | 1571 | 2268 | | 317 | 405 | | 187 | 225 | | | b) | Income on investments | | 495 | 803 | | 1170 | 2058 | | 275 | 481 | | 189 | 259 | | | c) | Interest on balances with RBI and other | 12 | 13 | | 83 | 55 | | 4 | - | | 466 | 780 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 25 | 52 | | 296 | 282 | | 30 | 42 | | 50 | 51 | | | a) | Commission, exchange, brokerage, etc. | 9 | 42 | | 21 | 29 | | 16 | 24 | | 4 | 6 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | 1 | - | | - | - | | | 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 | | 16
| 10
|
| 274
| 252
|
| 14
| 18
|
| 46
| 46
|
| Total (I+II)
|
| 735
| 1147
|
| 3120
| 4663
|
| 626
| 928
|
| 892
| 1316
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 536 | 791 | | 1786 | 2221 | | 641 | 916 | | 629 | 867 | | | a) | Interest on deposits | | 495 | 744 | | 1273 | 1639 | | 487 | 731 | | 577 | 816 | | | b) | Interest on RBI/inter-bank borrowings | 41 | 48 | | 513 | 582 | | 154 | 186 | | 52 | 51 | | | c) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 371 | 360 | | 1366 | 1361 | | 544 | 607 | | 367 | 469 | | | a) | Payments to and provisions for employees | 295 | 323 | | 1146 | 1163 | | 485 | 530 | | 321 | 339 | | | b) | Rent, taxes and lighting | | 6 | 7 | | 29 | 30 | | 14 | 15 | | 5 | 6 | | | c) | Printing and stationery | | 3 | 4 | | 13 | 19 | | 6 | 8 | | 5 | 5 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 3 | | 6 | 6 | | 2 | 2 | | 3 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 2 | 3 | | 1 | 2 | | 1 | 1 | | | h) | Law charges | | - | - | | 1 | 1 | | - | - | | - | 1 | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 12 | 12 | | 2 | 2 | | 2 | 2 | | | j) | Repairs and maintenance | | 1 | - | | 2 | 3 | | - | 1 | | 2 | 3 | | | k) | Insurance | | 48 | 6 | | 118 | 83 | | 9 | 20 | | 13 | 13 | | | l) | Other expenditure | | 14 | 16 | | 37 | 43 | | 24 | 29 | | 16 | 97 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 1268 | 235 | | 194 | 1513 | | 70 | 194 | | 11 | 189 | | | | | | | | | | | | | | | | | | | Total expenses | | 2175 | 1386 | | 3346 | 5095 | | 1255 | 1718 | | 1007 | 1526 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (1441)
| (239)
|
| (226)
| (433)
|
| (629)
| (789)
|
| (115)
| (210)
| Total (III+IV+V+VI)
|
| 735
| 1147
|
| 3120
| 4663
|
| 626
| 928
|
| 892
| 1316
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Raigarh Kshetriya | | Rajgarh Kshetriya | | Ranchi Kshetriya | | Rani Laxmibai | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Kshetriya Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (281)
| (282)
|
| (283)
| (284)
|
| (285)
| (286)
|
| (287)
| (288)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 270 | 440 | | 207 | 207 | | 272 | 635 | | 145 | 238 | | | a) | Interest/discount on advances/bills | 69 | 124 | | 92 | 92 | | 112 | 221 | | 71 | 98 | | | b) | Income on investments | | 53 | 67 | | 46 | 46 | | 52 | 199 | | - | - | | | c) | Interest on balances with RBI and other | 148 | 249 | | 69 | 69 | | 108 | 214 | | - | - | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | 74 | 140 | | | | | | | | | | | | | | | | | II. | Other income | | 21 | 17 | | 6 | 6 | | 82 | 26 | | 5 | 7 | | | a) | Commission, exchange, brokerage, etc. | 9 | 8 | | 3 | 3 | | 3 | 1 | | 2 | 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 | - | - | | - | - | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 13
| 9
|
| 3
| 3
|
| 79
| 25
|
| 3
| 5
|
| Total (I+II)
|
| 291
| 457
|
| 213
| 213
|
| 354
| 661
|
| 150
| 245
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 276 | 418 | | 205 | 205 | | 313 | 501 | | 237 | 326 | | | a) | Interest on deposits | | 256 | 393 | | 183 | 183 | | 295 | 458 | | 188 | 278 | | | b) | Interest on RBI/inter-bank borrowings | 20 | 24 | | 3 | 3 | | - | - | | - | - | | | c) | Others | | - | - | | 19 | 19 | | 18 | 43 | | 49 | 47 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 238 | 254 | | 163 | 163 | | 316 | 348 | | 215 | 210 | | | a) | Payments to and provisions for employees | 203 | 225 | | 141 | 141 | | 280 | 299 | | 162 | 184 | | | b) | Rent, taxes and lighting | | 5 | 6 | | 6 | 6 | | 8 | 9 | | 34 | 10 | | | c) | Printing and stationery | | 3 | 4 | | 3 | 3 | | 3 | 4 | | 3 | 3 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 2 | 2 | | 1 | 2 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | - | - | | - | 1 | | - | 1 | | | h) | Law charges | | - | - | | - | - | | 1 | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 1 | 1 | | 1 | 1 | | 1 | 1 | | | j) | Repairs and maintenance | | - | 1 | | - | - | | 1 | 1 | | - | - | | | k) | Insurance | | 9 | 3 | | - | - | | 1 | - | | - | - | | | l) | Other expenditure | | 15 | 11 | | 10 | 10 | | 21 | 31 | | 12 | 7 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | - | | 15 | 15 | | 74 | 223 | | 30 | 174 | | | | | | | | | | | | | | | | | | | Total expenses | | 514 | 672 | | 383 | 383 | | 703 | 1072 | | 482 | 710 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (223)
| (215)
|
| (170)
| (170)
|
| (349)
| (411)
|
| (332)
| (465)
| Total (III+IV+V+VI)
|
| 291
| 457
|
| 213
| 213
|
| 354
| 661
|
| 150
| 245
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|