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Date : Sep 14, 1999

Table 49 : Liabilities and Assets of Regional Rural Banks - 1997-98
(Part 10 of 17)

													(Amount in Rs. lakh)
			As on 31st March
			Magadh		Mahakaushal		Malaprabha		Mallabhum		Malwa		Mandla Balaghat
			Gramin Bank		Kshetriya		Gramin Bank		Gramin Bank		Gramin Bank		Kshetriya
Items					Gramin Bank								Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(205)	(206)	(207)	(208)	(209)	(210)	(211)	(212)	(213)	(214)	(215)	(216)
1.	Capital		687	1668	91	100	712	712	100	821	100	100	100	100
			(2.1)	(4.3)	(2.9)	(2.4)	(1.6)	(1.4)	(0.3)	(2.0)	(1.5)	(1.2)	(2.0)	(1.7)

2.	Reserves and Surplus		-	-	-	-	79	1001	37	37	250	533	1	1
			-	-	-	-	(0.2)	(2.0)	(0.1)	(0.1)	(3.8)	(6.4)	-	-

3.	Deposits		25116	30522	2276	3311	26316	29783	27599	33983	4167	5285	4182	4996
			(78.4)	(79.3)	(71.9)	(78.0)	(58.6)	(59.9)	(83.6)	(83.8)	(63.1)	(63.6)	(85.3)	(87.2)
	3.1.	Demand deposits	631	693	130	267	644	848	250	256	204	178	727	616
	3.2.	Savings bank deposits	12677	15849	920	1544	9721	10848	10432	12423	1601	1846	1584	1848
	3.3.	Term deposits	11809	13980	1225	1499	15951	18087	16917	21304	2362	3261	1871	2532

4.	Borrowings		935	1030	42	41	15285	15062	2195	2108	1626	1785	77	125
			(2.9)	(2.7)	(1.3)	(1.0)	(34.0)	(30.3)	(6.7)	(5.2)	(24.6)	(21.5)	(1.6)	(2.2)
	4.1.	From banks*	130	130	-	-	3231	3209	-	-	336	396	77	125
	4.2.	From others	805	900	42	41	12054	11853	2195	2108	1291	1389	-	-

5.	Other liabilities		5304	5292	757	795	2539	3147	3069	3604	463	603	543	510
			(16.6)	(13.7)	(23.9)	(18.7)	(5.7)	(6.3)	(9.3)	(8.9)	(7.0)	(7.3)	(11.1)	(8.9)
	5.1.	Bills Payable	71	76	30	25	463	580	-	-	2	8	-	-
	5.2.	Inter-office adjustments	732	800	-	-	278	254	15	-	-	9	-	-
	5.3.	Interest accrued	37	40	140	171	213	241	95	457	243	329	-	29
	5.4.	Others (including provisions)	4464	4376	587	599	1584	2072	2959	3147	218	258	543	481
	Total Liabilities		32042	38512	3165	4247	44930	49705	33000	40552	6606	8306	4903	5733
1.	Cash in hand		348	370	92	114	728	1040	256	397	32	35	123	150
			(1.1)	(1.0)	(2.9)	(2.7)	(1.6)	(2.1)	(0.8)	(1.0)	(0.5)	(0.4)	(2.5)	(2.6)

2.	Balances with RBI		766	942	73	101	812	894	860	1058	131	169	103	142
			(2.4)	(2.4)	(2.3)	(2.4)	(1.8)	(1.8)	(2.6)	(2.6)	(2.0)	(2.0)	(2.1)	(2.5)

3.	Balances with banks in India		6909	8578	837	1439	9762	11074	483	707	2329	3020	1168	1319
			(21.6)	(22.3)	(26.4)	(33.9)	(21.7)	(22.3)	(1.5)	(1.7)	(35.3)	(36.4)	(23.8)	(23.0)

4.	Money at call and short notice		-	-	-	-	-	-	6853	9976	-	-	866	1240
			-	-	-	-	-	-	(20.8)	(24.6)	-	-	(17.7)	(21.6)

5.	Investments		10496	13715	-	-	5843	6779	7469	9020	900	1301	-	-
			(32.8)	(35.6)	-	-	(13.0)	(13.6)	(22.6)	(22.2)	(13.6)	(15.7)	-	-

6.	Advances		8805	9413	810	994	25193	26748	10653	11634	2815	3231	1060	1144
			(27.5)	(24.4)	(25.6)	(23.4)	(56.1)	(53.8)	(32.3)	(28.7)	(42.6)	(38.9)	(21.6)	(19.9)
	6.1.	Bills purchased and discounted	10	-	13	90	40	30	-	-	1	-	-	1
	6.2.	Cash credits, overdrafts & loans	672	770	116	142	9142	12879	88	107	1650	1923	108	191
	6.3.	Term loans	8124	8643	681	762	16011	13839	10565	11527	1164	1308	951	952

7.	Fixed Assets		42	43	8	11	155	162	36	37	13	12	5	8
			(0.1)	(0.1)	(0.2)	(0.3)	(0.3)	(0.3)	(0.1)	(0.1)	(0.2)	(0.1)	(0.1)	(0.1)

8.	Other Assets		4675	5450	1345	1588	2438	3008	6389	7722	387	539	1578	1730
			(14.6)	(14.2)	(42.5)	(37.4)	(5.4)	(6.1)	(19.4)	(19.0)	(5.9)	(6.5)	(32.2)	(30.2)
	8.1.	Inter - office adjustments (net)	-	-	11	13	-	-	-	26	7	-	187	72
	8.2.	Interest accrued	1182	1480	4	6	209	141	1197	1583	370	523	41	105
	8.3.	Others	3493	3971	1331	1569	2229	2868	5193	6113	10	16	1350	1553
		Total Assets	32042	38512	3165	4247	44930	49705	33000	40552	6606	8306	4903	5733
			(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
			Manipur		Manjira		Marathwada		Marudhar		Marwar		Mayurakshi
			Rural Bank		Gramin Bank		Gramin Bank		Kshetriya		Gramin Bank		Gramin Bank
Items									Gramin Bank
			1997	1998	1997	1998	1997	1998	1997	1998	1997	1998	1997	1998
			(217)	(218)	(219)	(220)	(221)	(222)	(223)	(224)	(225)	(226)	(227)	(228)
1.	Capital		665	680	100	227	100	100	96	100	88	100	100	100
			(26.5)	(24.2)	(0.7)	(1.4)	(0.3)	(0.3)	(1.8)	(1.5)	(0.3)	(0.3)	(0.7)	(0.6)

2.	Reserves and Surplus		1	1	-329	180	-	-	6	15	-	-	-	-
			-	-	(-2.4)	(1.1)	-	-	(0.1)	(0.2)	-	-	-	-

3.	Deposits		1029	1259	7251	9475	25510	27462	4420	5470	21049	26316	10569	13328
			(41.1)	(44.8)	(53.3)	(56.7)	(72.9)	(70.9)	(83.8)	(82.9)	(82.2)	(81.2)	(75.4)	(78.2)
	3.1.	Demand deposits	133	252	289	405	2232	1754	217	401	1237	1659	114	94
	3.2.	Savings bank deposits	311	314	2188	3046	14079	14478	1042	1330	5897	7713	3587	4601
	3.3.	Term deposits	585	693	4774	6023	9199	11229	3161	3740	13915	16944	6868	8633

4.	Borrowings		340	374	3949	4449	5118	5646	313	494	1621	2709	1110	1160
			(13.6)	(13.3)	(29.0)	(26.6)	(14.6)	(14.6)	(5.9)	(7.5)	(6.3)	(8.4)	(7.9)	(6.8)
	4.1.	From banks*	340	-	958	1216	815	853	18	49	116	154	46	58
	4.2.	From others	-	374	2991	3233	4303	4793	295	445	1505	2555	1064	1101

5.	Other liabilities		471	499	2627	2377	4275	5519	441	520	2852	3299	2236	2462
			(18.8)	(17.7)	(19.3)	(14.2)	(12.2)	(14.3)	(8.4)	(7.9)	(11.1)	(10.2)	(16.0)	(14.4)
	5.1.	Bills Payable	2	-	1507	966	236	581	1	1	-	-	-	-
	5.2.	Inter-office adjustments	-	-	774	-	96	-	4	-	-	-	95	24
	5.3.	Interest accrued	120	148	-	1070	1311	1418	37	50	2221	2536	1194	1689
	5.4.	Others (including provisions)	349	351	346	341	2632	3520	398	469	631	764	948	749
		Total Liabilities	2506	2814	13598	16708	35002	38727	5275	6599	25609	32424	14016	17050
1.	Cash in hand		21	27	170	156	598	681	57	82	559	1037	99	138
			(0.8)	(1.0)	(1.2)	(0.9)	(1.7)	(1.8)	(1.1)	(1.2)	(2.2)	(3.2)	(0.7)	(0.8)

2.	Balances with RBI		28	37	240	321	710	805	137	177	722	853	341	442
			(1.1)	(1.3)	(1.8)	(1.9)	(2.0)	(2.1)	(2.6)	(2.7)	(2.8)	(2.6)	(2.4)	(2.6)

3.	Balances with banks in India		70	243	2817	3975	7548	10050	1244	1414	5770	8976	3723	5179
			(2.8)	(8.6)	(20.7)	(23.8)	(21.6)	(26.0)	(23.6)	(21.4)	(22.5)	(27.7)	(26.6)	(30.4)

4.	Money at call and short notice		855	830	-	-	-	-	-	-	2295	-	-	-
			(34.1)	(29.5)	-	-	-	-	-	-	(9.0)	-	-	-

5.	Investments		94	103	1502	2684	5565	6029	50	50	6269	8845	1976	2102
			(3.7)	(3.7)	(11.0)	(16.1)	(15.9)	(15.6)	(0.9)	(0.8)	(24.5)	(27.3)	(14.1)	(12.3)

6.	Advances		512	588	7127	7986	11040	12611	1208	1674	5870	8668	4265	5002
			(20.4)	(20.9)	(52.4)	(47.8)	(31.5)	(32.6)	(22.9)	(25.4)	(22.9)	(26.7)	(30.4)	(29.3)
	6.1.	Bills purchased and discounted	1	1	-	-	140	99	11	21	-	-	2	1
	6.2.	Cash credits, overdrafts & loans	29	56	5090	6040	2217	2605	484	606	2479	3749	483	486
	6.3.	Term loans	483	531	2037	1945	8683	9907	713	1047	3390	4919	3780	4515

7.	Fixed Assets		5	4	46	49	44	56	10	12	27	42	14	15
			(0.2)	(0.1)	(0.3)	(0.3)	(0.1)	(0.1)	(0.2)	(0.2)	(0.1)	(0.1)	(0.1)	(0.1)

8.	Other Assets		922	982	1697	1538	9496	8496	2570	3190	4098	4003	3599	4172
			(36.8)	(34.9)	(12.5)	(9.2)	(27.1)	(21.9)	(48.7)	(48.3)	(16.0)	(12.3)	(25.7)	(24.5)
	8.1.	Inter - office adjustments (net)	6	1	1418	835	-	109	-	115	85	12	-	-
	8.2.	Interest accrued	-	-	247	370	278	341	102	229	1548	1328	418	671
	8.3.	Others	916	980	32	333	9218	8046	2467	2846	2465	2663	3180	3501
		Total Assets	2506	2814	13598	16708	35002	38727	5275	6599	25609	32424	14016	17050
			(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.