|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Rashikulya | | Ratlam Mandsaur | | Ratnagiri Sindhudurg | | Rayalaseema | | | | | | Gramin Bank
| | Kshetriya Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (289)
| (290)
|
| (291)
| (292)
|
| (293)
| (294)
|
| (295)
| (296)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 616 | 990 | | 325 | 541 | | 251 | 251 | | 2512 | 3596 | | | a) | Interest/discount on advances/bills | 246 | 327 | | 130 | 212 | | 99 | 99 | | 1741 | 2525 | | | b) | Income on investments | | 363 | 663 | | - | - | | 74 | 74 | | 96 | 263 | | | c) | Interest on balances with RBI and other | 6 | - | | 195 | 329 | | 78 | 78 | | 675 | 808 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 24 | 82 | | 24 | 52 | | 16 | 16 | | 218 | 463 | | | a) | Commission, exchange, brokerage, etc. | 6 | 7 | | 15 | 18 | | 2 | 2 | | 41 | 68 | | | 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 | | 18
| 75
|
| 9
| 34
|
| 14
| 14
|
| 177
| 395
|
| Total (I+II)
|
| 640
| 1072
|
| 349
| 593
|
| 267
| 267
|
| 2730
| 4059
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 541 | 738 | | 260 | 396 | | 213 | 213 | | 1803 | 2156 | | | a) | Interest on deposits | | 423 | 618 | | 225 | 356 | | 185 | 185 | | 1282 | 1593 | | | b) | Interest on RBI/inter-bank borrowings | 28 | 119 | | 35 | 40 | | 28 | - | | 505 | 547 | | | c) | Others | | 90 | - | | - | - | | - | 28 | | 17 | 17 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 328 | 429 | | 154 | 193 | | 141 | 141 | | 1003 | 1038 | | | a) | Payments to and provisions for employees | 247 | 290 | | 129 | 166 | | 120 | 120 | | 883 | 903 | | | b) | Rent, taxes and lighting | | 7 | 8 | | 6 | 8 | | 4 | 4 | | 21 | 23 | | | c) | Printing and stationery | | 4 | 5 | | 2 | 3 | | 3 | 3 | | 13 | 14 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 3 | | 2 | 2 | | 1 | 1 | | 6 | 6 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | - | | 1 | 1 | | 2 | 2 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | 1 | | | i) | Postage, telegrams, telephones, etc. | 2 | 3 | | 2 | 2 | | 1 | 1 | | 11 | 12 | | | j) | Repairs and maintenance | | 1 | 1 | | - | - | | 1 | 1 | | - | - | | | k) | Insurance | | 41 | 36 | | 3 | 3 | | 2 | 2 | | 3 | 2 | | | l) | Other expenditure | | 24 | 84 | | 11 | 10 | | 7 | 7 | | 65 | 75 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 116 | 257 | | - | - | | 15 | 16 | | - | 1170 | | | | | | | | | | | | | | | | | | | Total expenses | | 986 | 1423 | | 414 | 589 | | 368 | 370 | | 2806 | 4364 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (346)
| (351)
|
| (65)
| 4
|
| (101)
| (102)
|
| (76)
| (305)
| Total (III+IV+V+VI)
|
| 640
| 1072
|
| 349
| 593
|
| 267
| 267
|
| 2730
| 4059
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Rewa Sidhi | | Sabarkantha-Gandhinagar | | Sagar | | Sahyadri | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (297)
| (298)
|
| (299)
| (300)
|
| (301)
| (302)
|
| (303)
| (304)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 1172 | 1794 | | 288 | 532 | | 1324 | 1938 | | 287 | 436 | | | a) | Interest/discount on advances/bills | 307 | 503 | | 131 | 192 | | 171 | 398 | | 218 | 261 | | | b) | Income on investments | | 298 | 489 | | 44 | 123 | | 445 | 703 | | 69 | 24 | | | c) | Interest on balances with RBI and other | 567 | 802 | | 113 | 217 | | 708 | 838 | | - | 151 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 36 | 34 | | 26 | 25 | | 32 | 104 | | 80 | 52 | | | a) | Commission, exchange, brokerage, etc. | 4 | 6 | | 9 | 19 | | 29 | 85 | | 6 | 7 | | | 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 | - | - | | - | - | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 32
| 29
|
| 17
| 5
|
| 3
| 19
|
| 74
| 44
|
| Total (I+II)
|
| 1208
| 1828
|
| 315
| 557
|
| 1357
| 2042
|
| 367
| 488
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 767 | 1129 | | 215 | 333 | | 1051 | 1392 | | 236 | 304 | | | a) | Interest on deposits | | 691 | 1046 | | 172 | 275 | | 942 | 1292 | | 150 | 203 | | | b) | Interest on RBI/inter-bank borrowings | 76 | 84 | | 4 | 4 | | 36 | 28 | | 87 | 101 | | | c) | Others | | - | - | | 39 | 53 | | 74 | 72 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 474 | 496 | | 97 | 120 | | 614 | 827 | | 124 | 139 | | | a) | Payments to and provisions for employees | 382 | 385 | | 86 | 107 | | 548 | 664 | | 97 | 119 | | | b) | Rent, taxes and lighting | | 10 | 11 | | 3 | 4 | | 22 | 25 | | 5 | 5 | | | c) | Printing and stationery | | 7 | 10 | | 2 | 2 | | 7 | 8 | | 2 | 1 | | | d) | Advertisement and publicity | | - | 1 | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 3 | 4 | | 2 | 2 | | 4 | 5 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | - | | 1 | 1 | | - | - | | | h) | Law charges | | - | - | | - | - | | - | 1 | | - | - | | | i) | Postage, telegrams, telephones, etc. | 3 | 4 | | 1 | 1 | | 1 | 1 | | 2 | 2 | | | j) | Repairs and maintenance | | 1 | 1 | | - | - | | 2 | 2 | | 2 | 2 | | | k) | Insurance | | 39 | 51 | | 2 | 2 | | 14 | 9 | | - | - | | | l) | Other expenditure | | 29 | 29 | | 2 | 2 | | 13 | 112 | | 13 | 7 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 599 | 354 | | 318 | 76 | | 1352 | 1500 | | - | - | | | | | | | | | | | | | | | | | | | Total expenses | | 1840 | 1979 | | 630 | 529 | | 3017 | 3718 | | 360 | 443 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (632)
| (151)
|
| (316)
| 28
|
| (1660)
| (1676)
|
| 6
| 45
| Total (III+IV+V+VI)
|
| 1208
| 1828
|
| 315
| 557
|
| 1357
| 2042
|
| 367
| 488
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Samastipur Kshetriya | | Samyukt Kshetriya | | Sangameshwar | | Santhal Parganas | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (305)
| (306)
|
| (307)
| (308)
|
| (309)
| (310)
|
| (311)
| (312)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 211 | 624 | | 3345 | 4092 | | 682 | 965 | | 1298 | 1395 | | | a) | Interest/discount on advances/bills | 211 | 126 | | 275 | (190) | | 455 | 501 | | 230 | 94 | | | b) | Income on investments | | - | 57 | | 855 | 1074 | | - | - | | 480 | 544 | | | c) | Interest on balances with RBI and other | - | 417 | | 2215 | 3208 | | - | - | | 588 | 756 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | 24 | | - | - | | 227 | 464 | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 24 | 26 | | 84 | 74 | | 29 | 141 | | 35 | 35 | | | a) | Commission, exchange, brokerage, etc. | 9 | 13 | | 52 | 41 | | 8 | 20 | | 15 | 12 | | | 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 | | 15
| 13
|
| 31
| 32
|
| 20
| 120
|
| 20
| 23
|
| Total (I+II)
|
| 235
| 650
|
| 3429
| 4165
|
| 711
| 1105
|
| 1333
| 1430
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 372 | 600 | | 2134 | 2781 | | 516 | 644 | | 760 | 972 | | | a) | Interest on deposits | | 348 | 555 | | 2011 | 2672 | | 352 | 480 | | 672 | 893 | | | b) | Interest on RBI/inter-bank borrowings | 24 | 45 | | 13 | 12 | | - | - | | 88 | 78 | | | c) | Others | | - | - | | 110 | 97 | | 165 | 164 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 337 | 348 | | 1083 | 1129 | | 1496 | 303 | | 449 | 560 | | | a) | Payments to and provisions for employees | 285 | 298 | | 881 | 914 | | 319 | 263 | | 406 | 521 | | | b) | Rent, taxes and lighting | | 8 | 8 | | 15 | 15 | | 6 | 7 | | 7 | 7 | | | c) | Printing and stationery | | 4 | 7 | | 10 | 11 | | 7 | 5 | | 4 | 3 | | | d) | Advertisement and publicity | | - | 1 | | 1 | 1 | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 5 | 5 | | 2 | 2 | | 1 | 1 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 2 | 2 | | 1 | 1 | | 1 | 1 | | | h) | Law charges | | - | - | | 1 | 1 | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | - | | 4 | 5 | | 3 | 3 | | 1 | 1 | | | j) | Repairs and maintenance | | 1 | 2 | | 3 | 1 | | - | - | | - | - | | | k) | Insurance | | 17 | 9 | | 119 | 128 | | 1 | 1 | | 9 | 4 | | | l) | Other expenditure | | 19 | 20 | | 42 | 46 | | 1157 | 21 | | 19 | 21 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | - | - | | - | - | | - | - | | 92 | 1234 | | | | | | | | | | | | | | | | | | | Total expenses | | 709 | 947 | | 3217 | 3910 | | 2012 | 948 | | 1301 | 2765 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (474)
| (298)
|
| 212
| 255
|
| (1301)
| 158
|
| 32
| (1335)
| Total (III+IV+V+VI)
|
| 235
| 650
|
| 3429
| 4165
|
| 711
| 1105
|
| 1333
| 1430
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|