|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Solapur | | South Malabar | | Sravasthi | | Sree Anantha | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (337)
| (338)
|
| (339)
| (340)
|
| (341)
| (342)
|
| (343)
| (344)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 188 | 282 | | 3047 | 3629 | | 817 | 1349 | | 1253 | 1981 | | | a) | Interest/discount on advances/bills | 152 | 211 | | 2206 | 2783 | | 278 | 425 | | 917 | 1239 | | | b) | Income on investments | | 2 | 16 | | 358 | 434 | | 141 | 351 | | 2 | 729 | | | c) | Interest on balances with RBI and other | 31 | 54 | | 481 | 401 | | 398 | 573 | | 335 | 13 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | 4 | - | | 3 | 10 | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 8 | 21 | | 210 | 349 | | 40 | 64 | | 92 | 304 | | | a) | Commission, exchange, brokerage, etc. | 1 | 3 | | 206 | 326 | | 39 | 64 | | 18 | 26 | | | 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 | | 7
| 18
|
| 4
| 23
|
| -
| -
|
| 74
| 278
|
| Total (I+II)
|
| 196
| 303
|
| 3257
| 3978
|
| 857
| 1413
|
| 1345
| 2284
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 152 | 244 | | 1692 | 1895 | | 573 | 744 | | 793 | 1127 | | | a) | Interest on deposits | | 115 | 165 | | 980 | 1097 | | 473 | 631 | | 569 | 859 | | | b) | Interest on RBI/inter-bank borrowings | 37 | 79 | | 712 | 798 | | 100 | 113 | | 219 | 264 | | | c) | Others | | - | - | | - | - | | - | - | | 5 | 4 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 141 | 142 | | 1480 | 1692 | | 381 | 504 | | 471 | 524 | | | a) | Payments to and provisions for employees | 111 | 118 | | 1284 | 1447 | | 346 | 448 | | 366 | 388 | | | b) | Rent, taxes and lighting | | 4 | 8 | | 39 | 43 | | 7 | 8 | | 8 | 10 | | | c) | Printing and stationery | | 3 | 3 | | 14 | 18 | | 4 | 5 | | 7 | 9 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 3 | | 8 | 8 | | 4 | 4 | | 6 | 8 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 2 | 3 | | 1 | 1 | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | - | | 19 | 23 | | 1 | 1 | | 6 | 7 | | | j) | Repairs and maintenance | | - | - | | 3 | 4 | | 1 | 1 | | - | - | | | k) | Insurance | | 12 | 1 | | 9 | 11 | | 6 | 22 | | 1 | 1 | | | l) | Other expenditure | | 7 | 8 | | 102 | 133 | | 11 | 13 | | 75 | 99 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 18 | 137 | | 33 | 611 | | 128 | 1152 | | 44 | 324 | | | | | | | | | | | | | | | | | | | Total expenses | | 311 | 523 | | 3205 | 4198 | | 1082 | 2399 | | 1308 | 1975 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (115)
| (220)
|
| 52
| (220)
|
| (226)
| (986)
|
| 37
| 309
| Total (III+IV+V+VI)
|
| 196
| 303
|
| 3257
| 3978
|
| 857
| 1413
|
| 1345
| 2284
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Sri Saraswathi | | Sri Visakha | | Sriganganagar | | Srirama | | | | | | Gramin Bank
| | Gramin Bank
| | Kshetriya Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (345)
| (346)
|
| (347)
| (348)
|
| (349)
| (350)
|
| (351)
| (352)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 1065 | 1543 | | 2091 | 2545 | | 215 | 365 | | 508 | 590 | | | a) | Interest/discount on advances/bills | 478 | 679 | | 1220 | 1223 | | 81 | 171 | | 294 | 313 | | | b) | Income on investments | | 567 | 827 | | 853 | 1321 | | 16 | 87 | | 62 | 104 | | | c) | Interest on balances with RBI and other | 21 | 37 | | 18 | 1 | | 118 | 108 | | 152 | 173 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 28 | 30 | | 61 | 62 | | 24 | 25 | | 18 | 23 | | | a) | Commission, exchange, brokerage, etc. | 18 | 20 | | 48 | 49 | | 4 | 9 | | 9 | 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 | | 11
| 10
|
| 13
| 14
|
| 20
| 17
|
| 9
| 11
|
| Total (I+II)
|
| 1093
| 1573
|
| 2152
| 2608
|
| 240
| 390
|
| 525
| 613
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 730 | 1032 | | 1614 | 2133 | | 239 | 350 | | 312 | 374 | | | a) | Interest on deposits | | 583 | 858 | | 1330 | 1840 | | 219 | 321 | | 210 | 273 | | | b) | Interest on RBI/inter-bank borrowings | 32 | 35 | | 284 | 293 | | 20 | 29 | | 102 | 101 | | | c) | Others | | 115 | 138 | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 337 | 376 | | 851 | 1195 | | 127 | 153 | | 136 | 151 | | | a) | Payments to and provisions for employees | 253 | 323 | | 770 | 1106 | | 99 | 130 | | 100 | 116 | | | b) | Rent, taxes and lighting | | 9 | 11 | | 22 | 25 | | 4 | 4 | | 4 | 4 | | | c) | Printing and stationery | | 5 | 8 | | 17 | 24 | | 2 | 2 | | 3 | 3 | | | d) | Advertisement and publicity | | - | - | | 6 | 4 | | - | - | | - | - | | | e) | Depreciation on Bank's property | 4 | 4 | | 3 | 3 | | 1 | 2 | | 2 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 2 | 3 | | - | - | | - | 1 | | | h) | Law charges | | - | - | | - | 1 | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 2 | 2 | | 8 | 11 | | 1 | 1 | | - | - | | | j) | Repairs and maintenance | | 1 | - | | 3 | 2 | | - | - | | 1 | 1 | | | k) | Insurance | | 35 | 6 | | 4 | 9 | | 9 | 3 | | 21 | 21 | | | l) | Other expenditure | | 27 | 22 | | 16 | 7 | | 10 | 10 | | 5 | 2 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 11 | 124 | | 403 | 424 | | 43 | 34 | | 37 | 42 | | | | | | | | | | | | | | | | | | | Total expenses | | 1079 | 1532 | | 2868 | 3752 | | 409 | 537 | | 485 | 567 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | 15
| 41
|
| (716)
| (1144)
|
| (169)
| (147)
|
| 41
| 46
| Total (III+IV+V+VI)
|
| 1093
| 1573
|
| 2152
| 2608
|
| 240
| 390
|
| 525
| 613
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Subansiri Gaonlia | | Sultanpur | | Surat-Bharuch | | Surendranagar Bhav- | | | | | | Gramin Bank
| | Kshetriya Gramin Bank
| | Gramin Bank
| | nagar Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (353)
| (354)
|
| (355)
| (356)
|
| (357)
| (358)
|
| (359)
| (360)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 185 | 361 | | 1581 | 2381 | | 425 | 695 | | 186 | 368 | | | a) | Interest/discount on advances/bills | 28 | 39 | | 474 | 641 | | 177 | 356 | | 105 | 210 | | | b) | Income on investments | | 43 | 112 | | 1046 | 1604 | | 66 | 81 | | 3 | 15 | | | c) | Interest on balances with RBI and other | 114 | 210 | | 42 | 136 | | 182 | 258 | | 78 | 143 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 18 | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 10 | 36 | | 40 | 130 | | 49 | 33 | | 35 | 49 | | | a) | Commission, exchange, brokerage, etc. | 3 | 5 | | 34 | 93 | | 7 | 9 | | 17 | 24 | | | 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 | | 7
| 31
|
| 6
| 37
|
| 42
| 24
|
| 18
| 26
|
| Total (I+II)
|
| 195
| 397
|
| 1621
| 2511
|
| 474
| 728
|
| 221
| 417
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 169 | 204 | | 1116 | 1623 | | 261 | 441 | | 171 | 279 | | | a) | Interest on deposits | | 153 | 193 | | 938 | 1253 | | 187 | 311 | | 136 | 222 | | | b) | Interest on RBI/inter-bank borrowings | 16 | 12 | | 149 | 142 | | 70 | 125 | | 7 | 11 | | | c) | Others | | - | - | | 30 | 227 | | 5 | 5 | | 28 | 46 | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 188 | 207 | | 585 | 645 | | 170 | 174 | | 149 | 155 | | | a) | Payments to and provisions for employees | 143 | 177 | | 525 | 568 | | 127 | 137 | | 125 | 132 | | | b) | Rent, taxes and lighting | | 4 | 5 | | 19 | 12 | | 5 | 6 | | 6 | 6 | | | c) | Printing and stationery | | 3 | 4 | | 5 | 6 | | 2 | 3 | | 3 | 4 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 3 | 3 | | 1 | 3 | | 2 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | - | | 1 | 1 | | - | 1 | | - | - | | | h) | Law charges | | - | - | | - | 1 | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 2 | | 1 | 1 | | 1 | 1 | | 1 | 1 | | | j) | Repairs and maintenance | | - | - | | 1 | 1 | | - | - | | - | - | | | k) | Insurance | | 1 | 1 | | 9 | 9 | | 25 | 12 | | 2 | 3 | | | l) | Other expenditure | | 33 | 17 | | 20 | 43 | | 9 | 11 | | 10 | 6 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 93 | 488 | | 96 | 455 | | 11 | 91 | | 149 | 108 | | | | | | | | | | | | | | | | | | | Total expenses | | 450 | 899 | | 1797 | 2722 | | 443 | 706 | | 470 | 542 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (254)
| (502)
|
| (176)
| (211)
|
| 31
| 22
|
| (249)
| (125)
| Total (III+IV+V+VI)
|
| 195
| 397
|
| 1621
| 2511
|
| 474
| 728
|
| 221
| 417
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|