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Date : Jan 13, 2004

B2. Liabilities and Assets of Regional Rural Banks: 2002 and 2003 (Part 6 of 11)

					(Amount in Rs. lakh)

	Kshetriya Gramin Bank		K.Kisan Gramin Bank		Kutch Grameen Bank
Items
	2002	2003	2002	2003	2002	2003
	(193)	(194)	(195)	(196)	(197)	(198)

1. Capital	2670	1889	1037	1037	856	856
	(8.2)	(5.3)	(5.6)	(5.0)	(3.6)	(3.5)
2. Reserves and Surplus	0	0	0	0	806	1399
	(0.0)	(0.0)	(0.0)	(0.0)	(3.4)	(5.8)
3. Deposits	25582	28328	15123	16951	19258	18495
	(79.0)	(79.0)	(82.4)	(81.4)	(80.6)	(76.6)
3.1. Demand deposits	632	801	559	680	1062	824
3.2. Savings bank deposits	9715	11429	6817	8315	9867	8903
3.3. Term deposits	15235	16098	7747	7956	8329	8768
4. Borrowings	2974	3517	1399	1779	1388	1753
	(9.2)	(9.8)	(7.6)	(8.5)	(5.8)	(7.3)
4.1. From banks*	404	1023	257	202	4	185
4.2. From others	2570	2494	1142	1577	1384	1568
5. Other liabilities	1167	2106	798	1051	1592	1655
	(3.6)	(5.9)	(4.3)	(5.0)	(6.7)	(6.8)
5.1. Bills Payable	112	285	36	20	37	43
5.2. Inter-office adjustments	0	0	59	144	129	197
5.3. Interest accrued	162	163	29	43	1251	1234
5.4. Others (including provisions)	893	1658	673	844	174	180
Total Liabilities	32393	35840	18356	20818	23900	24158

1. Cash in hand	317	392	215	294	219	176
	(1.0)	(1.1)	(1.2)	(1.4)	(0.9)	(0.7)
2. Balances with RBI	1387	1349	805	801	1173	911
	(4.3)	(3.8)	(4.4)	(3.8)	(4.9)	(3.8)
3. Balances with banks in India	15736	15949	7103	6209	8336	4484
	(48.6)	(44.5)	(38.7)	(29.8)	(34.9)	(18.6)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	973	1111	350	1409	8991	12637
	(3.0)	(3.1)	(1.9)	(6.8)	(37.6)	(52.3)
6. Advances	10519	13112	6530	8299	4496	5183
	(32.5)	(36.6)	(35.6)	(39.9)	(18.8)	(21.5)
6.1. Bills purchased and discounted	0	0	0	0	0	1
6.2. Cash credits, overdrafts & loans	1417	1914	516	554	837	1053
6.3. Term loans	9102	11198	6014	7745	3659	4129
7. Fixed Assets	46	57	19	17	55	58
	(0.1)	(0.2)	(0.1)	(0.1)	(0.2)	(0.2)
8. Other Assets	3414	3870	3333	3789	629	709
	(10.5)	(10.8)	(18.2)	(18.2)	(2.6)	(2.9)
8.1. Inter - office adjustments (net)	70	99	0	0	0	0
8.2. Interest accrued	1246	1807	288	297	31	59
8.3. Others	2098	1963	3045	3492	598	650
Total Assets	32393	35840	18356	20818	23900	24158
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

				(Amount in Rs. lakh)

	Lakhimi Gaonlia Bank		Langpi Dehangi Rural Bank		Madhubani Kshetriya
Items					Gramin Bank
	2002	2003	2002	2003	2002	2003
	(199)	(200)	(201)	(202)	(203)	(204)

1. Capital	2189	2189	1200	1200	865	865
	(7.9)	(6.9)	(15.7)	(12.8)	(4.5)	(4.3)
2. Reserves and Surplus	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
3. Deposits	24295	28349	5578	6576	17006	17240
	(88.2)	(89.0)	(73.1)	(70.2)	(88.2)	(85.1)
3.1. Demand deposits	1097	1357	661	476	1066	170
3.2. Savings bank deposits	12289	14820	2970	3773	7305	7918
3.3. Term deposits	10908	12172	1947	2327	8635	9152
4. Borrowings	694	860	135	800	552	898
	(2.5)	(2.7)	(1.8)	(8.5)	(2.9)	(4.4)
4.1. From banks*	0	0	0	0	34	45
4.2. From others	694	860	135	800	518	853
5. Other liabilities	360	437	722	791	869	1252
	(1.3)	(1.4)	(9.5)	(8.4)	(4.5)	(6.2)
5.1. Bills Payable	0	7	0	0	0	0
5.2. Inter-office adjustments	0	0	0	3	19	73
5.3. Interest accrued	313	383	428	514	64	79
5.4. Others (including provisions)	47	47	294	274	785	1100
Total Liabilities	27537	31835	7634	9366	19292	20254

1. Cash in hand	281	347	29	48	128	208
	(1.0)	(1.1)	(0.4)	(0.5)	(0.7)	(1.0)
2. Balances with RBI	1350	1424	325	361	936	810
	(4.9)	(4.5)	(4.3)	(3.9)	(4.9)	(4.0)
3. Balances with banks in India	1066	1574	398	806	8408	6523
	(3.9)	(4.9)	(5.2)	(8.6)	(43.6)	(32.2)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	14747	17634	3990	4046	427	2759
	(53.6)	(55.4)	(52.3)	(43.2)	(2.2)	(13.6)
6. Advances	5312	6849	859	1576	2942	3651
	(19.3)	(21.5)	(11.2)	(16.8)	(15.2)	(18.0)
6.1. Bills purchased and discounted	0	0	0	0	0	0
6.2. Cash credits, overdrafts & loans	1225	1444	258	416	611	987
6.3. Term loans	4087	5405	601	1160	2331	2664
7. Fixed Assets	31	38	9	10	23	20
	(0.1)	(0.1)	(0.1)	(0.1)	(0.1)	(0.1)
8. Other Assets	4750	3969	2024	2518	6428	6282
	(17.3)	(12.5)	(26.5)	(26.9)	(33.3)	(31.0)
8.1. Inter - office adjustments (net)	53	22	58	0	0	0
8.2. Interest accrued	135	160	42	80	1737	984
8.3. Others	4562	3787	1925	2437	4691	5298
Total Assets	27537	31835	7634	9366	19292	20254
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

				(Amount in Rs. lakh)
				As on March 31
	Magadh Gramin Bank		Mahakaushal		Malaprabha
Items			Kshetriya Gramin Bank		Gramin Bank
	2002	2003	2002	2003	2002	2003
	(205)	(206)	(207)	(208)	(209)	(210)

1. Capital	2650	2650	100	100	712	712
	(4.2)	(4.0)	(1.2)	(0.9)	(0.7)	(0.7)
2. Reserves and Surplus	2024	3681	0	0	6766	8549
	(3.2)	(5.5)	(0.0)	(0.0)	(6.8)	(8.0)
3. Deposits	53381	55086	7177	9143	68598	76771
	(85.5)	(82.9)	(85.4)	(86.8)	(68.5)	(71.6)
3.1. Demand deposits	1648	851	332	508	1965	2773
3.2. Savings bank deposits	25695	26504	2997	4220	19940	23280
3.3. Term deposits	26038	27732	3848	4415	46693	50717
4. Borrowings	1786	1960	208	314	17833	15583
	(2.9)	(3.0)	(2.5)	(3.0)	(17.8)	(14.5)
4.1. From banks*	130	130	3	0	4568	4600
4.2. From others	1656	1830	206	314	13265	10983
5. Other liabilities	2626	3034	919	976	6256	5610
	(4.2)	(4.6)	(10.9)	(9.3)	(6.2)	(5.2)
5.1. Bills Payable	75	72	168	188	491	340
5.2. Inter-office adjustments	423	299	0	0	0	414
5.3. Interest accrued	58	71	487	560	343	274
5.4. Others (including provisions)	2069	2593	264	229	5422	4582
Total Liabilities	62466	66411	8405	10534	100164	107225

1. Cash in hand	482	602	160	298	833	578
	(0.8)	(0.9)	(1.9)	(2.8)	(0.8)	(0.5)
2. Balances with RBI	2876	2513	434	463	3588	3586
	(4.6)	(3.8)	(5.2)	(4.4)	(3.6)	(3.3)
3. Balances with banks in India	15122	4065	3054	1442	21314	787
	(24.2)	(6.1)	(36.3)	(13.7)	(21.3)	(0.7)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	33681	47504	80	2486	11773	38207
	(53.9)	(71.5)	(1.0)	(23.6)	(11.8)	(35.6)
6. Advances	8375	9694	1887	2682	55210	58905
	(13.4)	(14.6)	(22.5)	(25.5)	(55.1)	(54.9)
6.1. Bills purchased and discounted	0	0	3	9	141	197
6.2. Cash credits, overdrafts & loans	2365	2072	794	1244	23166	25826
6.3. Term loans	6010	7622	1090	1430	31904	32882
7. Fixed Assets	52	60	14	24	345	376
	(0.1)	(0.1)	(0.2)	(0.2)	(0.3)	(0.4)
8. Other Assets	1878	1973	2775	3139	7101	4786
	(3.0)	(3.0)	(33.0)	(29.8)	(7.1)	(4.5)
8.1. Inter - office adjustments (net)	0	0	113	55	1741	0
8.2. Interest accrued	1445	1739	111	294	679	846
8.3. Others	432	234	2551	2790	4681	3940
Total Assets	62466	66411	8405	10534	100164	107225
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

				(Amount in Rs. lakh)

	Mallabhum Gramin Bank		Malwa Gramin Bank		Mandla Balaghat
Items					Kshetriya Gramin Bank
	2002	2003	2002	2003	2002	2003
	(211)	(212)	(213)	(214)	(215)	(216)

1. Capital	5780	5780	100	100	1299	1299
	(7.6)	(7.1)	(0.7)	(0.6)	(9.7)	(7.9)
2. Reserves and Surplus	39	0	2172	2534	1	1
	(0.1)	(0.0)	(16.2)	(16.1)	(0.0)	(0.0)
3. Deposits	66825	72548	9576	11650	11433	13678
	(88.1)	(88.6)	(71.4)	(74.1)	(85.2)	(83.3)
3.1. Demand deposits	515	487	386	494	995	702
3.2. Savings bank deposits	23698	28657	3289	4256	4986	7056
3.3. Term deposits	42612	43405	5900	6900	5452	5920
4. Borrowings	1771	1733	806	676	302	601
	(2.3)	(2.1)	(6.0)	(4.3)	(2.3)	(3.7)
4.1. From banks*	0	0	50	0	302	601
4.2. From others	1771	1733	756	676	0	0
5. Other liabilities	1448	1837	757	757	384	838
	(1.9)	(2.2)	(5.6)	(4.8)	(2.9)	(5.1)
5.1. Bills Payable	0	0	4	8	0	0
5.2. Inter-office adjustments	0	240	17	0	0	0
5.3. Interest accrued	399	398	655	654	56	61
5.4. Others (including provisions)	1049	1199	81	95	328	777
Total Liabilities	75863	81898	13411	15717	13419	16417

1. Cash in hand	430	653	56	46	140	195
	(0.6)	(0.8)	(0.4)	(0.3)	(1.0)	(1.2)
2. Balances with RBI	3750	3620	585	574	606	669
	(4.9)	(4.4)	(4.4)	(3.7)	(4.5)	(4.1)
3. Balances with banks in India	23682	16413	5088	3877	6270	3646
	(31.2)	(20.0)	(37.9)	(24.7)	(46.7)	(22.2)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	15485	24002	2022	3755	252	3565
	(20.4)	(29.3)	(15.1)	(23.9)	(1.9)	(21.7)
6. Advances	21457	26570	5234	6751	3461	5827
	(28.3)	(32.4)	(39.0)	(43.0)	(25.8)	(35.5)
6.1. Bills purchased and discounted	0	0	10	0	0	0
6.2. Cash credits, overdrafts & loans	438	751	3887	4501	625	655
6.3. Term loans	21019	25818	1337	2250	2836	5172
7. Fixed Assets	44	45	11	13	11	36
	(0.1)	(0.1)	(0.1)	(0.1)	(0.1)	(0.2)
8. Other Assets	11015	10595	416	701	2679	2479
	(14.5)	(12.9)	(3.1)	(4.5)	(20.0)	(15.1)
8.1. Inter - office adjustments (net)	13	0	0	65	187	105
8.2. Interest accrued	5111	4017	364	548	720	665
8.3. Others	5891	6578	52	89	1771	1709
Total Assets	75863	81898	13411	15717	13419	16417
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

				(Amount in Rs. lakh)

	Manipur Rural Bank		Manjira		Marathwada
Items			Gramin Bank		Gramin Bank
	2002	2003	2002	2003	2002	2003
	(217)	(218)	(219)	(220)	(221)	(222)

1. Capital	1000	1000	413	413	1980	1980
	(28.7)	(26.1)	(1.3)	(1.1)	(3.6)	(3.4)
2. Reserves and Surplus	1	1	2064	2422	0	0
	(0.0)	(0.0)	(6.2)	(6.7)	(0.0)	(0.0)
3. Deposits	2349	2540	20498	23027	44824	50857
	(67.3)	(66.3)	(62.0)	(63.3)	(82.5)	(86.3)
3.1. Demand deposits	344	403	670	733	1553	1509
3.2. Savings bank deposits	600	821	6960	7958	21777	26205
3.3. Term deposits	1406	1316	12868	14336	21495	23142
4. Borrowings	71	216	6450	6572	4451	3100
	(2.0)	(5.6)	(19.5)	(18.1)	(8.2)	(5.3)
4.1. From banks*	2	0	1445	1317	199	0
4.2. From others	69	216	5005	5255	4253	3100
5. Other liabilities	69	72	3639	3952	3108	3015
	(2.0)	(1.9)	(11.0)	(10.9)	(5.7)	(5.1)
5.1. Bills Payable	7	6	626	519	342	404
5.2. Inter-office adjustments	0	0	0	0	452	249
5.3. Interest accrued	57	55	2681	3071	149	141
5.4. Others (including provisions)	5	11	332	362	2165	2220
Total Liabilities	3491	3829	33064	36386	54363	58951

1. Cash in hand	92	124	387	371	907	725
	(2.6)	(3.2)	(1.2)	(1.0)	(1.7)	(1.2)
2. Balances with RBI	117	134	1361	1199	2350	2407
	(3.4)	(3.5)	(4.1)	(3.3)	(4.3)	(4.1)
3. Balances with banks in India	728	237	10717	11316	16359	8858
	(20.9)	(6.2)	(32.4)	(31.1)	(30.1)	(15.0)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	413	808	5572	6159	11396	23641
	(11.8)	(21.1)	(16.9)	(16.9)	(21.0)	(40.1)
6. Advances	826	1049	14447	16666	16049	15336
	(23.7)	(27.4)	(43.7)	(45.8)	(29.5)	(26.0)
6.1. Bills purchased and discounted	1	0	106	112	42	22
6.2. Cash credits, overdrafts & loans	178	203	9058	9436	7663	7407
6.3. Term loans	647	846	5283	7119	8343	7907
7. Fixed Assets	6	5	80	114	47	41
	(0.2)	(0.1)	(0.2)	(0.3)	(0.1)	(0.1)
8. Other Assets	1309	1472	501	560	7256	7944
	(37.5)	(38.4)	(1.5)	(1.5)	(13.3)	(13.5)
8.1. Inter - office adjustments (net)	24	1	6	-49	0	0
8.2. Interest accrued	0	0	440	480	606	882
8.3. Others	1285	1471	55	129	6649	7062
Total Assets	3491	3829	33064	36386	54363	58951
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

				(Amount in Rs. lakh)

	Marudhar		Marwar		Mayurakshi
Items	Kshetriya Gramin Bank		Gramin Bank		Gramin Bank #
	2002	2003	2002	2003	2002	2003
	(223)	(224)	(225)	(226)	(227)	(228)

1. Capital	1198	1198	1888	1982	1682	..
	(8.8)	(7.3)	(3.0)	(3.1)	(4.8)	..
2. Reserves and Surplus	0	0	133	133	0	..
	(0.0)	(0.0)	(0.2)	(0.2)	(0.0)	..
3. Deposits	10464	12917	51223	54365	26926	..
	(76.5)	(79.2)	(82.6)	(84.0)	(76.9)	..
3.1. Demand deposits	558	706	3941	3865	190	..
3.2. Savings bank deposits	2905	4353	14111	15455	9369	..
3.3. Term deposits	7001	7859	33171	35044	17368	..
4. Borrowings	1354	1585	2576	1948	2425	..
	(9.9)	(9.7)	(4.2)	(3.0)	(6.9)	..
4.1. From banks*	93	87	0	0	8	..
4.2. From others	1260	1498	2576	1948	2417	..
5. Other liabilities	654	619	6179	6317	3963	..
	(4.8)	(3.8)	(10.0)	(9.8)	(11.3)	..
5.1. Bills Payable	27	40	0	0	18	..
5.2. Inter-office adjustments	15	114	46	91	6	..
5.3. Interest accrued	101	117	5994	6179	3245	..
5.4. Others (including provisions)	511	347	139	48	694	..
Total Liabilities	13670	16320	61999	64745	34997	..
						..
1. Cash in hand	83	72	1060	500	230	..
	(0.6)	(0.4)	(1.7)	(0.8)	(0.7)	..
2. Balances with RBI	611	589	4782	4043	1475	..
	(4.5)	(3.6)	(7.7)	(6.2)	(4.2)	..
3. Balances with banks in India	3289	3998	21660	26305	8224	..
	(24.1)	(24.5)	(34.9)	(40.6)	(23.5)	..
4. Money at call and short notice	0	0	0	0	0	..
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	..
5. Investments	50	1312	12756	10669	7501	..
	(0.4)	(8.0)	(20.6)	(16.5)	(21.4)	..
6. Advances	4588	4983	16422	17593	12137	..
	(33.6)	(30.5)	(26.5)	(27.2)	(34.7)	..
6.1. Bills purchased and discounted	2	1	34	3	0	..
6.2. Cash credits, overdrafts & loans	1492	1654	7453	7214	1505	..
6.3. Term loans	3094	3327	8936	10377	10632	..
7. Fixed Assets	14	13	70	77	24	..
	(0.1)	(0.1)	(0.1)	(0.1)	(0.1)	..
8. Other Assets	5034	5353	5248	5558	5406	..
	(36.8)	(32.8)	(8.5)	(8.6)	(15.4)	..
8.1. Inter - office adjustments (net)	0	0	0	0	0	..
8.2. Interest accrued	485	314	3855	4790	1260	..
8.3. Others	4548	5039	1394	768	4146	..
Total Assets	13670	16320	61999	64745	34997	..
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	..
Notes
1. Figures in brackets indicate percent share in total.
2. *Including Reserve Bank of India.
Source: Annual accounts of banks of respective years.