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Date : Sep 14, 1999

Table 49 : Liabilities and Assets of Regional Rural Banks - 1997-98
(Part 8 of 17)

													(Amount in Rs. lakh)
			As on 31st March
			Kalahandi Anchalika		Kalpatharu Gramin		Kamraz Gramin		Kanakadurga		Kanpur Kshetriya		Kapurothala Firzpur
Items			Gramin Bank		Bank		Bank		Gramin Bank		Gramin Bank		Kshetriya Gramin
													Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(169)	(170)	(171)	(172)	(173)	(174)	(175)	(176)	(177)	(178)	(179)	(180)
1.	Capital		100	1277	1357	1357	100	100	215	215	1969	2440	755	755
			(1.3)	(13.7)	(10.8)	(10.3)	(1.1)	(0.9)	(4.1)	(3.4)	(8.5)	(9.0)	(11.9)	(10.2)

2.	Reserves and Surplus		1178	1	-	-	11	11	235	407	-	-	1	-
			(15.3)	-	-	-	(0.1)	(0.1)	(4.5)	(6.5)	-	-	-	-

3.	Deposits		5177	5553	7469	8333	8562	10326	3057	3743	17457	20687	4781	5780
			(67.2)	(59.6)	(59.3)	(63.3)	(93.2)	(91.6)	(58.1)	(59.5)	(75.4)	(76.5)	(75.6)	(78.4)
	3.1.	Demand deposits	1179	692	314	402	1541	1741	101	82	638	873	115	170
	3.2.	Savings bank deposits	2398	2833	2786	3189	4100	4801	897	1139	7887	9030	1724	2179
	3.3.	Term deposits	1601	2028	4369	4742	2921	3784	2059	2522	8932	10784	2942	3431

4.	Borrowings		939	1194	2294	2295	244	465	1442	1565	2518	2931	545	614
			(12.2)	(12.8)	(18.2)	(17.4)	(2.7)	(4.1)	(27.4)	(24.9)	(10.9)	(10.8)	(8.6)	(8.3)
	4.1.	From banks*	130	124	265	239	94	89	320	320	169	195	90	100
	4.2.	From others	810	1070	2029	2056	149	376	1122	1245	2349	2736	455	514

5.	Other liabilities		308	1299	1480	1184	270	373	316	366	1198	997	245	227
			(4.0)	(13.9)	(11.7)	(9.0)	(2.9)	(3.3)	(6.0)	(5.8)	(5.2)	(3.7)	(3.9)	(3.1)
	5.1.	Bills Payable	-	-	-	-	6	7	-	-	242	181	8	6
	5.2.	Inter-office adjustments	-	-	16	-	46	100	37	42	-	-	-	3
	5.3.	Interest accrued	225	345	657	686	95	107	19	21	193	203	14	17
	5.4.	Others (including provisions)	83	955	807	498	123	160	259	303	764	613	223	200
	Total Liabilities		7702	9324	12600	13169	9186	11275	5265	6296	23142	27055	6327	7375
1.	Cash in hand		163	184	148	229	50	45	83	82	160	208	86	127
			(2.1)	(2.0)	(1.2)	(1.7)	(0.5)	(0.4)	(1.6)	(1.3)	(0.7)	(0.8)	(1.4)	(1.7)

2.	Balances with RBI		132	170	226	288	255	301	92	106	540	660	152	178
			(1.7)	(1.8)	(1.8)	(2.2)	(2.8)	(2.7)	(1.7)	(1.7)	(2.3)	(2.4)	(2.4)	(2.4)

3.	Balances with banks in India		2172	2723	1553	1533	4439	5895	1860	2261	3074	2009	2058	2388
			(28.2)	(29.2)	(12.3)	(11.6)	(48.3)	(52.3)	(35.3)	(35.9)	(13.3)	(7.4)	(32.5)	(32.4)

4.	Money at call and short notice		-	-	-	-	-	-	-	-	6230	6356	-	-
			-	-	-	-	-	-	-	-	(26.9)	(23.5)	-	-

5.	Investments		263	423	3438	3821	942	692	310	435	3550	7786	986	1480
			(3.4)	(4.5)	(27.3)	(29.0)	(10.3)	(6.1)	(5.9)	(6.9)	(15.3)	(28.8)	(15.6)	(20.1)

6.	Advances		2634	3307	4903	5476	1117	1616	2792	3283	4026	4960	1966	2186
			(34.2)	(35.5)	(38.9)	(41.6)	(12.2)	(14.3)	(53.0)	(52.1)	(26.9)	(18.3)	(31.1)	(29.6)
	6.1.	Bills purchased and discounted	1853	-	146	216	-	-	-	24	-	-	1	1
	6.2.	Cash credits, overdrafts & loans	681	-	1972	2186	437	641	1919	2223	428	690	386	800
	6.3.	Term loans	100	3307	2785	3074	680	975	873	1036	3598	4270	1578	1385

7.	Fixed Assets		16	15	24	27	23	27	50	51	31	34	14	11
			(0.2)	(0.2)	(0.2)	(0.2)	(0.3)	(0.2)	(0.9)	(0.8)	(0.1)	(0.1)	(0.2)	(0.1)

8.	Other Assets		2322	2502	2308	1796	2360	2701	79	78	5531	5043	1066	1006
			(30.1)	(26.8)	(18.3)	(13.6)	(25.7)	(24.0)	(1.5)	(1.2)	(4.6)	(18.6)	(16.8)	(13.6)
	8.1.	Inter - office adjustments (net)	113	106	-	7	-	-	-	-	82	85	39	-
	8.2.	Interest accrued	106	98	247	277	133	182	19	18	793	950	89	120
	8.3.	Others	2103	2297	2061	1512	2227	2519	60	60	4656	4007	937	886
		Total Assets	7702	9324	12600	13169	9186	11275	5265	6296	23142	27055	6327	7375
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

													(Amount in Rs. lakh)
			As on 31st March
			Kashi		Kisan		Kolar		Koraput Panchabati		Kosi Kshetriya		Krishna
Items			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(181)	(182)	(183)	(184)	(185)	(186)	(187)	(188)	(189)	(190)	(191)	(192)
1.	Capital		100	2110	96	1008	1583	1583	100	187	88	100	100	100
			(0.6)	(10.8)	(1.5)	(11.0)	(14.3)	(12.9)	(0.6)	(1.0)	(0.5)	(0.5)	(0.5)	(0.5)

2.	Reserves and Surplus		2010	-	-	-	-	-	-	-	-	-	-	-
			(12.2)	-	-	-	-	-	-	-	-	-	-	-

3.	Deposits		13315	16325	5159	6675	6860	7932	10148	12019	12930	16794	11993	13691
			(80.8)	(83.3)	(78.5)	(72.9)	(62.1)	(64.5)	(62.7)	(63.5)	(79.0)	(81.0)	(62.8)	(61.7)
	3.1.	Demand deposits	520	432	278	438	69	347	1782	2055	774	862	558	618
	3.2.	Savings bank deposits	5329	6774	2599	3695	2464	2711	4919	5312	5345	7512	4296	4282
	3.3.	Term deposits	7465	9119	2282	2542	4327	4874	3446	4652	6811	8420	7138	8792

4.	Borrowings		878	780	821	883	2095	2241	2366	2975	335	668	5190	6209
			(5.3)	(4.0)	(12.5)	(9.6)	(19.0)	(18.2)	(14.6)	(15.7)	(2.0)	(3.2)	(27.2)	(28.0)
	4.1.	From banks*	21	20	66	73	392	371	318	240	5	7	839	1066
	4.2.	From others	857	760	756	810	1702	1870	2048	2734	330	661	4351	5143

5.	Other liabilities		170	375	494	586	511	551	3576	3735	3015	3163	1806	2180
			(1.0)	(1.9)	(7.5)	(6.4)	(4.6)	(4.5)	(22.1)	(19.7)	(18.4)	(15.3)	(9.5)	(9.8)
	5.1.	Bills Payable	-	-	12	23	225	274	-	-	130	-	8	80
	5.2.	Inter-office adjustments	-	-	12	-	83	28	-	-	15	26	11	6
	5.3.	Interest accrued	14	14	34	13	37	60	623	806	11	10	1097	1487
	5.4.	Others (including provisions)	157	361	437	549	166	188	2953	2930	2859	3127	691	607
	Total Liabilities		16473	19591	6570	9151	11048	12307	16189	18916	16367	20725	19089	22181
1.	Cash in hand		174	234	99	110	425	343	159	132	165	210	325	261
			(1.1)	(1.2)	(1.5)	(1.2)	(3.8)	(2.8)	(1.0)	(0.7)	(1.0)	(1.0)	(1.7)	(1.2)

2.	Balances with RBI		402	480	165	205	201	221	295	314	376	486	318	471
			(2.4)	(2.5)	(2.5)	(2.2)	(1.8)	(1.8)	(1.8)	(1.7)	(2.3)	(2.3)	(1.7)	(2.1)

3.	Balances with banks in India		5970	6402	191	280	2905	3428	1015	690	4638	6689	366	4077
			(36.2)	(32.7)	(2.9)	(3.1)	(26.3)	(27.9)	(6.3)	(3.6)	(28.3)	(32.3)	(1.9)	(18.4)

4.	Money at call and short notice		-	-	1539	3534	-	-	-	-	-	-	3208	-
			-	-	(23.4)	(38.6)	-	-	-	-	-	-	(16.8)	-

5.	Investments		2772	4746	691	691	1811	1940	6429	7728	-	200	2701	2600
			(16.8)	(24.2)	(10.5)	(7.6)	(16.4)	(15.8)	(39.7)	(40.9)	-	(1.0)	(14.1)	(11.7)

6.	Advances		3262	3766	2112	2418	4230	5160	6435	8072	4417	5369	9061	11861
			(19.8)	(19.2)	(32.1)	(26.4)	(38.3)	(41.9)	(39.7)	(42.7)	(27.0)	(25.9)	(47.5)	(53.5)
	6.1.	Bills purchased and discounted	45	102	-	-	3	3	-	-	-	-	-	-
	6.2.	Cash credits, overdrafts & loans	445	507	517	601	2407	3184	3429	4459	729	877	5129	7261
	6.3.	Term loans	2771	3156	1595	1817	1819	1973	3006	3613	3688	4492	3931	4600

7.	Fixed Assets		23	25	20	22	22	24	25	23	28	38	31	36
			(0.1)	(0.1)	(0.3)	(0.2)	(0.2)	(0.2)	(0.2)	(0.1)	(0.2)	(0.2)	(0.2)	(0.2)

8.	Other Assets		3869	3937	1752	1892	1454	1189	1832	1958	6744	7733	3080	2875
			(23.5)	(20.1)	(26.7)	(20.7)	(13.2)	(9.7)	(11.3)	(10.3)	(41.2)	(37.3)	(16.1)	(13.0)
	8.1.	Inter - office adjustments (net)	110	16	-	-	-	-	640	915	31	17	-	32
	8.2.	Interest accrued	401	541	161	238	116	147	366	453	402	722	400	699
	8.3.	Others	3358	3381	1591	1654	1338	1043	826	590	6310	6994	2680	2144
		Total Assets	16473	19591	6570	9151	11048	12307	16189	18916	16367	20725	19089	22181
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Notes	:	1.	Figures in bracket indicate percent share in total.
		2.	*Including Reserve Bank of India.

-	:	Nil or negligible.
Source	:	Annual accounts of banks.