|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Saran Kshetriya | | Sarayu | | Shahajahanpur | | Shahdol Kshetriya | | | | | | Gramin Bank
| | Gramin Bank
| | Kshetriya Gramin Bank
| | Gaonlia Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (313)
| (314)
|
| (315)
| (316)
|
| (317)
| (318)
|
| (319)
| (320)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 105 | 414 | | 565 | 727 | | 300 | 403 | | 93 | 300 | | | a) | Interest/discount on advances/bills | 56 | 100 | | 145 | 178 | | 118 | 163 | | 19 | 48 | | | b) | Income on investments | | - | - | | 408 | 543 | | 35 | 60 | | - | - | | | c) | Interest on balances with RBI and other | 50 | 313 | | 12 | 6 | | 147 | 180 | | 74 | 252 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | 1 | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 144 | 4 | | 27 | 16 | | 22 | 37 | | 8 | 16 | | | a) | Commission, exchange, brokerage, etc. | 1 | 2 | | 26 | 16 | | 3 | 11 | | 8 | 6 | | | 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 | | 143
| 2
|
| 1
| -
|
| 19
| 26
|
| -
| 10
|
| Total (I+II)
|
| 249
| 418
|
| 592
| 743
|
| 322
| 440
|
| 100
| 315
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 331 | 487 | | 283 | 364 | | 205 | 278 | | 172 | 267 | | | a) | Interest on deposits | | 318 | 471 | | 239 | 314 | | 152 | 210 | | 167 | 259 | | | b) | Interest on RBI/inter-bank borrowings | 13 | 16 | | 44 | 50 | | - | - | | 6 | 7 | | | c) | Others | | - | - | | 1 | - | | 54 | 68 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 225 | 237 | | 184 | 170 | | 176 | 146 | | 187 | 185 | | | a) | Payments to and provisions for employees | 196 | 222 | | 140 | 147 | | 109 | 119 | | 161 | 153 | | | b) | Rent, taxes and lighting | | 3 | 3 | | 4 | 5 | | 3 | 3 | | 3 | 4 | | | c) | Printing and stationery | | 2 | 3 | | 2 | 2 | | 3 | 2 | | 2 | 2 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 2 | 2 | | 2 | 1 | | 1 | 1 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | 1 | | - | - | | - | 1 | | - | - | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | - | - | | 2 | 2 | | 1 | 2 | | - | - | | | j) | Repairs and maintenance | | 1 | 1 | | - | - | | 3 | 3 | | - | - | | | k) | Insurance | | 6 | 4 | | 26 | 5 | | 2 | 11 | | 11 | 13 | | | l) | Other expenditure | | 15 | 3 | | 7 | 6 | | 53 | 4 | | 9 | 11 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 1083 | 432 | | 96 | 42 | | 49 | - | | - | 154 | | | | | | | | | | | | | | | | | | | Total expenses | | 1639 | 1157 | | 563 | 575 | | 430 | 424 | | 359 | 605 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (1389)
| (739)
|
| 28
| 167
|
| (108)
| 16
|
| (259)
| (290)
| Total (III+IV+V+VI)
|
| 249
| 418
|
| 592
| 743
|
| 322
| 440
|
| 100
| 315
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Sharda | | Shekhawati | | Shivalik Kshetriya | | Shivpuri Kshetriya | | | | | | Gramin Bank
| | Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (321)
| (322)
|
| (323)
| (324)
|
| (325)
| (326)
|
| (327)
| (328)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 497 | 702 | | 1119 | 1511 | | 652 | 905 | | 338 | 584 | | | a) | Interest/discount on advances/bills | 72 | 98 | | 417 | 581 | | 177 | 201 | | 117 | 183 | | | b) | Income on investments | | 11 | 128 | | 204 | 516 | | 212 | 333 | | 34 | 58 | | | c) | Interest on balances with RBI and other | 415 | 475 | | 498 | 414 | | 263 | 371 | | 187 | 342 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 8 | 50 | | 63 | 115 | | 44 | 56 | | 16 | 32 | | | a) | Commission, exchange, brokerage, etc. | 8 | 47 | | 46 | 13 | | 3 | 4 | | 8 | 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 | - | - | | - | 1 | | - | - | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | -
| 3
|
| 17
| 101
|
| 40
| 52
|
| 8
| 21
|
| Total (I+II)
|
| 505
| 752
|
| 1183
| 1625
|
| 695
| 960
|
| 354
| 615
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 396 | 526 | | 976 | 1241 | | 399 | 564 | | 401 | 614 | | | a) | Interest on deposits | | 376 | 508 | | 857 | 1110 | | 355 | 516 | | 374 | 580 | | | b) | Interest on RBI/inter-bank borrowings | - | - | | - | - | | 44 | 48 | | 27 | 34 | | | c) | Others | | 20 | 18 | | 118 | 131 | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 384 | 286 | | 536 | 554 | | 186 | 196 | | 262 | 302 | | | a) | Payments to and provisions for employees | 345 | 261 | | 446 | 482 | | 156 | 172 | | 239 | 269 | | | b) | Rent, taxes and lighting | | 4 | 5 | | 4 | 5 | | 4 | 4 | | 9 | 10 | | | c) | Printing and stationery | | 3 | 3 | | 5 | 5 | | 2 | 3 | | 3 | 5 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 4 | 3 | | 2 | 2 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | 1 | | 1 | 2 | | - | 1 | | 1 | 1 | | | h) | Law charges | | - | - | | 1 | 2 | | 1 | 1 | | - | - | | | i) | Postage, telegrams, telephones, etc. | 2 | 2 | | 5 | 4 | | 1 | 1 | | 2 | 2 | | | j) | Repairs and maintenance | | - | 1 | | 1 | 1 | | 1 | - | | 1 | 1 | | | k) | Insurance | | 19 | 3 | | 2 | 1 | | 5 | - | | - | 4 | | | l) | Other expenditure | | 10 | 9 | | 67 | 49 | | 14 | 11 | | 5 | 8 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 78 | 481 | | 30 | 854 | | 31 | 140 | | 121 | 36 | | | | | | | | | | | | | | | | | | | Total expenses | | 858 | 1292 | | 1541 | 2649 | | 616 | 901 | | 784 | 953 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (353)
| (540)
|
| (358)
| (1023)
|
| 79
| 60
|
| (430)
| (337)
| Total (III+IV+V+VI)
|
| 505
| 752
|
| 1183
| 1625
|
| 695
| 960
|
| 354
| 615
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31 March
| | | | | | Shri Sathavahana | | Shri Venkateshwara | | Singhbhum | | Siwan Kshetriya | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (329)
| (330)
|
| (331)
| (332)
|
| (333)
| (334)
|
| (335)
| (336)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 511 | 801 | | 785 | 1433 | | 442 | 759 | | 858 | 1165 | | | a) | Interest/discount on advances/bills | 245 | 417 | | 522 | 928 | | 72 | 133 | | 199 | 205 | | | b) | Income on investments | | 60 | 129 | | 13 | 32 | | 181 | 331 | | 111 | 113 | | | c) | Interest on balances with RBI and other | 197 | 255 | | 250 | 473 | | 190 | 295 | | 548 | 846 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | 9 | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 24 | 28 | | 58 | 56 | | 16 | 15 | | 19 | 14 | | | a) | Commission, exchange, brokerage, etc. | 14 | 19 | | 21 | 26 | | 4 | 3 | | 4 | 5 | | | 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 | | 10
| 9
|
| 36
| 30
|
| 11
| 12
|
| 15
| 9
|
| Total (I+II)
|
| 535
| 829
|
| 842
| 1488
|
| 458
| 774
|
| 877
| 1180
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 460 | 615 | | 634 | 869 | | 364 | 583 | | 519 | 793 | | | a) | Interest on deposits | | 360 | 516 | | 472 | 661 | | 346 | 561 | | 491 | 769 | | | b) | Interest on RBI/inter-bank borrowings | 100 | 99 | | 162 | 209 | | 18 | 22 | | 28 | 24 | | | c) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 251 | 239 | | 409 | 518 | | 292 | 325 | | 303 | 304 | | | a) | Payments to and provisions for employees | 190 | 183 | | 361 | 463 | | 263 | 288 | | 261 | 280 | | | b) | Rent, taxes and lighting | | 5 | 7 | | 10 | 11 | | 6 | 7 | | 4 | 5 | | | c) | Printing and stationery | | 4 | 5 | | 6 | 7 | | 9 | 6 | | 3 | 4 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 3 | 3 | | 2 | 2 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 1 | 1 | | 1 | 1 | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 1 | | 6 | 6 | | 1 | 1 | | - | - | | | j) | Repairs and maintenance | | 1 | 1 | | 2 | 3 | | 1 | 1 | | - | - | | | k) | Insurance | | 41 | 31 | | 4 | 5 | | 1 | 2 | | 7 | 6 | | | l) | Other expenditure | | 8 | 8 | | 16 | 18 | | 9 | 17 | | 24 | 6 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 69 | 443 | | 1179 | 119 | | 13 | 441 | | - | - | | | | | | | | | | | | | | | | | | | Total expenses | | 780 | 1297 | | 2222 | 1507 | | 669 | 1349 | | 822 | 1292 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (246)
| (468)
|
| (1380)
| (19)
|
| (211)
| (575)
|
| 55
| (112)
| Total (III+IV+V+VI)
|
| 535
| 829
|
| 842
| 1488
|
| 458
| 774
|
| 877
| 1180
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|