|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Surguja Kshetriya | | Thane | | Thar Anchalik | | Tripura | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (361)
| (362)
|
| (363)
| (364)
|
| (365)
| (366)
|
| (367)
| (368)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 336 | 617 | | 254 | 403 | | 220 | 444 | | 525 | 746 | | | a) | Interest/discount on advances/bills | 84 | 147 | | 28 | 40 | | 98 | 215 | | 124 | 133 | | | b) | Income on investments | | - | 1 | | 94 | 239 | | - | 43 | | 60 | 259 | | | c) | Interest on balances with RBI and other | 252 | 469 | | 129 | 124 | | 123 | 186 | | 341 | 354 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 3 | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 17 | 13 | | 11 | 10 | | 28 | 76 | | 24 | 26 | | | a) | Commission, exchange, brokerage, etc. | 13 | 12 | | 3 | 4 | | 6 | 7 | | 24 | 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 | | 4
| 1
|
| 8
| 5
|
| 22
| 69
|
| -
| -
|
| Total (I+II)
|
| 353
| 630
|
| 265
| 412
|
| 248
| 520
|
| 549
| 772
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 385 | 589 | | 110 | 182 | | 244 | 363 | | 841 | 1148 | | | a) | Interest on deposits | | 366 | 569 | | 103 | 174 | | 226 | 336 | | 643 | 956 | | | b) | Interest on RBI/inter-bank borrowings | - | - | | 7 | 8 | | 18 | 27 | | 198 | 192 | | | c) | Others | | 18 | 19 | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 330 | 341 | | 100 | 93 | | 247 | 255 | | 689 | 753 | | | a) | Payments to and provisions for employees | 273 | 299 | | 78 | 73 | | 211 | 227 | | 636 | 692 | | | b) | Rent, taxes and lighting | | 5 | 6 | | 3 | 3 | | 4 | 4 | | 16 | 17 | | | c) | Printing and stationery | | 3 | 4 | | 2 | 4 | | 2 | 4 | | 6 | 7 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 2 | | 4 | 3 | | 2 | 2 | | 3 | 3 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | - | - | | - | - | | 1 | 1 | | | h) | Law charges | | - | - | | - | - | | - | - | | 1 | 1 | | | i) | Postage, telegrams, telephones, etc. | - | 1 | | - | 1 | | 1 | 2 | | 2 | 3 | | | j) | Repairs and maintenance | | 1 | 1 | | 1 | 3 | | - | - | | 2 | 2 | | | k) | Insurance | | 38 | 17 | | 2 | 1 | | 15 | 2 | | 1 | 1 | | | l) | Other expenditure | | 7 | 11 | | 30 | 5 | | 11 | 14 | | 20 | 26 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 642 | (114) | | 21 | 56 | | 1165 | - | | 971 | 2801 | | | | | | | | | | | | | | | | | | | Total expenses | | 1356 | 815 | | 231 | 332 | | 1656 | 618 | | 2501 | 4702 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (1003)
| (185)
|
| 34
| 81
|
| (1407)
| (98)
|
| (1952)
| (3930)
| Total (III+IV+V+VI)
|
| 353
| 630
|
| 265
| 412
|
| 248
| 520
|
| 549
| 772
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31 March
| | | | | | Tulsi | | Tungabhadra | | Uttar Banga Kshetriya | | Vaishali Kshetriya | | | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (369)
| (370)
|
| (371)
| (372)
|
| (373)
| (374)
|
| (375)
| (376)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 444 | 703 | | 3018 | 4090 | | 773 | 1082 | | 731 | 1191 | | | a) | Interest/discount on advances/bills | 131 | 226 | | 1576 | 2334 | | 222 | 371 | | 133 | 211 | | | b) | Income on investments | | 310 | 474 | | 665 | 1173 | | 114 | 175 | | - | - | | | c) | Interest on balances with RBI and other | 4 | 3 | | 30 | 13 | | 437 | 537 | | 598 | 979 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | 747 | 570 | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 22 | 37 | | 254 | 315 | | 122 | 152 | | 11 | 12 | | | a) | Commission, exchange, brokerage, etc. | 21 | 37 | | 77 | 91 | | 94 | 105 | | 11 | 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 | - | | - | (2) | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | -
| 1
|
| 176
| 224
|
| 28
| 49
|
| -
| 1
|
| Total (I+II)
|
| 466
| 740
|
| 3271
| 4405
|
| 895
| 1235
|
| 742
| 1203
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 404 | 547 | | 1823 | 2054 | | 722 | 957 | | 990 | 1329 | | | a) | Interest on deposits | | 352 | 502 | | 1208 | 1344 | | 653 | 896 | | 923 | 1287 | | | b) | Interest on RBI/inter-bank borrowings | 51 | 45 | | 615 | 711 | | 69 | 61 | | 66 | 43 | | | c) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 388 | 454 | | 1072 | 1094 | | 645 | 720 | | 815 | 832 | | | a) | Payments to and provisions for employees | 332 | 394 | | 947 | 965 | | 501 | 578 | | 704 | 770 | | | b) | Rent, taxes and lighting | | 5 | 6 | | 19 | 21 | | 10 | 12 | | 10 | 11 | | | c) | Printing and stationery | | 3 | 6 | | 12 | 15 | | 4 | 6 | | 5 | 6 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 2 | 3 | | 7 | 10 | | 4 | 4 | | 2 | 4 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | 1 | 1 | | 2 | 2 | | 1 | 2 | | 1 | 2 | | | h) | Law charges | | 1 | - | | - | - | | 1 | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 2 | 2 | | 13 | 13 | | 2 | 2 | | 1 | 2 | | | j) | Repairs and maintenance | | 1 | 1 | | 2 | 3 | | - | - | | - | - | | | k) | Insurance | | 38 | 6 | | 1 | 1 | | 3 | 8 | | 71 | 16 | | | l) | Other expenditure | | 3 | 36 | | 67 | 65 | | 118 | 108 | | 18 | 21 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 1401 | 652 | | 101 | 507 | | 86 | 1662 | | 465 | 828 | | | | | | | | | | | | | | | | | | | Total expenses | | 2192 | 1653 | | 2996 | 3656 | | 1454 | 3338 | | 2269 | 2990 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | (1726)
| (912)
|
| 276
| 749
|
| (559)
| (2104)
|
| (1528)
| (1787)
| Total (III+IV+V+VI)
|
| 466
| 740
|
| 3271
| 4405
|
| 895
| 1235
|
| 742
| 1203
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
| | | | | | For the year ended 31st March
| | | | | | Vallalar | | Valsad-Dangs | | Varada | | Vidisha Bhopal | | | | | | Gramin Bank
| | Kshetriya Gramin Bank
| | Gramin Bank
| | Kshetriya Gramin Bank
| Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| (377)
| (378)
|
| (379)
| (380)
|
| (381)
| (382)
|
| (383)
| (384)
| Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | I. | Interest earned | | 328 | 479 | | 396 | 553 | | 344 | 635 | | 115 | 240 | | | a) | Interest/discount on advances/bills | 200 | 283 | | 150 | 199 | | 257 | 416 | | 48 | 136 | | | b) | Income on investments | | 4 | 12 | | 85 | 110 | | 76 | 205 | | 19 | 30 | | | c) | Interest on balances with RBI and other | 124 | 185 | | 161 | 244 | | 10 | 14 | | 48 | 74 | | | | inter-bank funds | | | | | | | | | | | | | | | d) | Others | | - | - | | - | - | | - | - | | - | - | | | | | | | | | | | | | | | | | II. | Other income | | 42 | 36 | | 12 | 29 | | 43 | 47 | | 7 | 12 | | | a) | Commission, exchange, brokerage, etc. | 5 | 5 | | 6 | 9 | | 2 | 4 | | 6 | 10 | | | b) | Net profit (loss) on sale of investments | - | - | | - | - | | - | - | | - | - | | | c) | Net profit (loss) on revaluation of investments | - | - | | - | - | | 3 | - | | - | - | | | d) | Net profit (loss) on sale of land, building | - | - | | 1 | - | | - | 1 | | - | - | | | | & other assets | | | | | | | | | | | | | | | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - | | | f) | Miscellaneous income | | 37
| 31
|
| 5
| 19
|
| 37
| 42
|
| 1
| 1
|
| Total (I+II)
|
| 370
| 515
|
| 408
| 581
|
| 386
| 682
|
| 123
| 252
| Expenditure & Provisions | | | | | | | | | | | | | | | | | | | | | | | | | | | | | III. | Interest expended | | 180 | 246 | | 254 | 340 | | 214 | 391 | | 112 | 201 | | | a) | Interest on deposits | | 92 | 138 | | 190 | 264 | | 144 | 251 | | 104 | 189 | | | b) | Interest on RBI/inter-bank borrowings | 44 | 61 | | 5 | 76 | | 7 | 17 | | 8 | 12 | | | c) | Others | | 44 | 47 | | 58 | - | | 63 | 123 | | - | - | | | | | | | | | | | | | | | | | IV. | Operating expenses | | 88 | 92 | | 151 | 147 | | 110 | 142 | | 85 | 96 | | | a) | Payments to and provisions for employees | 76 | 79 | | 108 | 122 | | 98 | 126 | | 56 | 60 | | | b) | Rent, taxes and lighting | | 3 | 3 | | 4 | 5 | | 2 | 3 | | 5 | 6 | | | c) | Printing and stationery | | 2 | 2 | | 2 | 2 | | 2 | 3 | | 4 | 5 | | | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - | | | e) | Depreciation on Bank's property | 1 | 1 | | 2 | 2 | | 1 | 3 | | 2 | 2 | | | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | - | | - | - | | | g) | Auditors' fees and expenses | | - | 1 | | - | - | | - | - | | - | - | | | h) | Law charges | | - | - | | - | - | | - | - | | - | - | | | i) | Postage, telegrams, telephones, etc. | 1 | 2 | | 1 | 1 | | 1 | 2 | | 2 | 2 | | | j) | Repairs and maintenance | | 1 | - | | - | - | | - | - | | - | - | | | k) | Insurance | | 2 | 2 | | - | - | | - | - | | 7 | 9 | | | l) | Other expenditure | | 1 | 2 | | 33 | 13 | | 4 | 6 | | 10 | 12 | | | | | | | | | | | | | | | | | V. | Provisions and contingencies | | 37 | 39 | | - | 161 | | 14 | - | | 21 | 110 | | | | | | | | | | | | | | | | | | | Total expenses | | 304 | 377 | | 406 | 648 | | 338 | 533 | | 219 | 407 | | | | | | | | | | | | | | | | | VI. | Profit (loss) | | 65
| 138
|
| 2
| (67)
|
| 48
| 149
|
| (96)
| (155)
| Total (III+IV+V+VI)
|
| 370
| 515
|
| 408
| 581
|
| 386
| 682
|
| 123
| 252
|
Note | : Figures in bracket indicate loss. | - | : Nil or negligible. | Source | : Annual accounts of banks. |
|