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| (Amount in Rs. lakh)
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| | | | | For the year ended 31st March
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| | | | | Vidur | | Vindhyavasini | | Visweshwaraya | | Yavatmal |
| | | | | Gramin Bank
| | Gramin Bank
| | Gramin Bank
| | Gramin Bank
|
Items | | | | 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
| 1996
| 1997
|
|
|
|
| 385
| 386
|
| 387
| 388
|
| 389
| 390
|
| 391
| 392
|
Income | | | | | | | | | | | | |
| | | | | | | | | | | | | | | |
I. | Interest earned | | 276 | 433 | | 432 | 617 | | 160 | 219 | | 210 | 317 |
| | a) | Interest/discount on advances/bills | 83 | 117 | | 116 | 153 | | 88 | 125 | | 108 | 158 |
| | b) | Income on investments | | 74 | 121 | | 74 | 223 | | - | - | | 15 | 32 |
| | c) | Interest on balances with RBI and other | 118 | 194 | | 242 | 241 | | 72 | 94 | | 87 | 127 |
| | | inter-bank funds | | | | | | | | | | | | |
| | d) | Others | | 2 | 1 | | - | - | | - | - | | - | - |
| | | | | | | | | | | | | | | |
II. | Other income | | 14 | 34 | | 15 | 9 | | 21 | 22 | | 39 | 35 |
| | a) | Commission, exchange, brokerage, etc. | 7 | 28 | | 15 | 9 | | 2 | 4 | | 11 | 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 | - | - | | - | - | | - | 1 | | - | - |
| | | & other assets | | | | | | | | | | | | |
| | e) | Net profit (loss) on exchange transaction | - | - | | - | - | | - | - | | - | - |
| | f) | Miscellaneous income | | 7
| 7
|
| -
| -
|
| 19
| 17
|
| 28
| 8
|
| Total (I+II)
|
| 290
| 467
|
| 448
| 626
|
| 181
| 241
|
| 249
| 352
|
Expenditure & Provisions | | | | | | | | | | | | |
| | | | | | | | | | | | | | | |
III. | Interest expended | | 240 | 286 | | 343 | 427 | | 97 | 142 | | 143 | 184 |
| | a) | Interest on deposits | | 192 | 229 | | 290 | 380 | | 75 | 117 | | 119 | 145 |
| | b) | Interest on RBI/inter-bank borrowings | 47 | 55 | | 53 | 47 | | 6 | 5 | | - | - |
| | c) | Others | | 2 | 2 | | - | - | | 16 | 20 | | 24 | 39 |
| | | | | | | | | | | | | | | |
IV. | Operating expenses | | 173 | 209 | | 260 | 198 | | 93 | 108 | | 89 | 106 |
| | a) | Payments to and provisions for employees | 153 | 188 | | 187 | 176 | | 81 | 90 | | 73 | 86 |
| | b) | Rent, taxes and lighting | | 3 | 3 | | 5 | 5 | | 3 | 4 | | 3 | 3 |
| | c) | Printing and stationery | | 2 | 2 | | 4 | 4 | | 2 | 2 | | 1 | 2 |
| | d) | Advertisement and publicity | | - | - | | - | - | | - | - | | - | - |
| | e) | Depreciation on Bank's property | 1 | 1 | | 3 | 3 | | 1 | - | | 1 | 2 |
| | f) | Directors' fees, allowances and expenses | - | - | | - | - | | - | 2 | | - | - |
| | g) | Auditors' fees and expenses | | - | 1 | | - | - | | - | - | | - | - |
| | h) | Law charges | | - | - | | - | - | | - | - | | - | - |
| | i) | Postage, telegrams, telephones, etc. | 2 | 2 | | 1 | 1 | | - | - | | 1 | 1 |
| | j) | Repairs and maintenance | | 1 | 1 | | 1 | - | | - | - | | - | - |
| | k) | Insurance | | - | - | | 47 | 2 | | - | - | | 1 | 1 |
| | l) | Other expenditure | | 11 | 10 | | 11 | 6 | | 6 | 9 | | 9 | 11 |
| | | | | | | | | | | | | | | |
V. | Provisions and contingencies | | - | - | | 54 | 651 | | - | 7 | | 10 | 54 |
| | | | | | | | | | | | | | | |
| | Total expenses | | 414 | 494 | | 657 | 1276 | | 190 | 257 | | 242 | 344 |
| | | | | | | | | | | | | | | |
VI. | Profit (loss) | | (124)
| (27)
|
| (209)
| (650)
|
| (9)
| (16)
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| 7
| 8
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Total (III+IV+V+VI)
|
| 290
| 467
|
| 448
| 626
|
| 181
| 241
|
| 249
| 352
|