|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Vallalar | | | Vidisha Bhopal |
| | | | Kshetriya | Valsad-Dangs | Varada | Kshetriya |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
|
|
|
| (377)
| (378)
| (379)
| (380)
| (381)
| (382)
| (383)
| (384)
|
Income | | | | | | | | |
| | | | | | | | | | | |
I. | Interest Earned | 479 | 577 | 553 | 712 | 635 | 737 | 240 | 415 |
| | | | | | | | | | | |
| | a) | Interest/discount on advances/bills | 283 | 350 | 199 | 240 | 416 | 525 | 136 | 228 |
| | | | | | | | | | | |
| | b) | Income on Investments | 12 | 14 | 110 | 242 | 205 | 199 | 30 | 45 |
| | | | | | | | | | | |
| | c) | Interest on balances with | 185 | 213 | 244 | 230 | 14 | 13 | 74 | 142 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | | | | | | | | | | |
| | d) | Others | - | - | - | - | - | - | - | - |
| | | | | | | | | | | |
II. | Other income | 36 | 22 | 29 | 34 | 47 | 37 | 12 | 18 |
| | | | | | | | | | | |
| | a) | Commission, exchange and brokerage | 5 | 7 | 9 | 22 | 4 | 4 | 10 | 15 |
| | | | | | | | | | | |
| | b) | Other miscellaneous income | 31
| 15
| 19
| 12
| 43
| 34
| 1
| 2
|
Total (I+II)
| 515
| 599
| 581
| 746
| 682
| 775
| 252
| 433
|
Expenditure & Provisions | | | | | | | | |
| | | | | | | | | | | |
III. | Interest expended | 246 | 235 | 340 | 392 | 391 | 519 | 201 | 307 |
| | | | | | | | | | | |
| | a) | Interest on deposits | 138 | 169 | 264 | 324 | 251 | 314 | 189 | 278 |
| | | | | | | | | | | |
| | b) | Interest on RBI/inter-bank borrowings | 61 | 17 | 76 | 68 | 17 | 205 | 12 | - |
| | | | | | | | | | | |
| | c) | Others | 47 | 50 | - | - | 123 | - | - | 29 |
| | | | | | | | | | | |
IV. | Operating expenses | 92 | 105 | 147 | 168 | 142 | 156 | 96 | 120 |
| | | | | | | | | | | |
| | a) | Payments to and provisions for employees | 79 | 89 | 122 | 138 | 126 | 131 | 60 | 68 |
| | | | | | | | | | | |
| | b) | Rent, taxes and lighting | 3 | 3 | 5 | 7 | 3 | 5 | 6 | 6 |
| | | | | | | | | | | |
| | c) | Printing and stationery | 2 | 2 | 2 | 3 | 3 | 2 | 5 | 4 |
| | | | | | | | | | | |
| | d) | Advertisement and publicity | - | - | - | - | - | - | - | - |
| | | | | | | | | | | |
| | e) | Depreciation on Bank's property | 1 | 2 | 2 | 4 | 3 | 5 | 2 | 2 |
| | | | | | | | | | | |
| | f) | Directors' fees, allowances and expenses | - | 1 | - | - | - | - | - | - |
| | | | | | | | | | | |
| | g) | Auditors' fees and expenses | 1 | - | - | 1 | - | - | - | - |
| | | | | | | | | | | |
| | h) | Law charges | - | - | - | - | - | - | - | - |
| | | | | | | | | | | |
| | i) | Postage, telegrams, telephones, etc. | 2 | 2 | 1 | 2 | 2 | 2 | 2 | 2 |
| | | | | | | | | | | |
| | j) | Repairs and maintenance | - | 1 | - | - | - | - | - | - |
| | | | | | | | | | | |
| | k) | Insurance | 2 | 3 | - | 1 | - | - | 9 | 24 |
| | | | | | | | | | | |
| | l) | Other expenditure | 2 | 3 | 13 | 12 | 6 | 10 | 12 | 13 |
| | | | | | | | | | | |
V. | Provisions and contingencies | 39 | 33 | 161 | 20 | - | - | 110 | 5 |
| | | | | | | | | | | |
| | Total expenses* | 338 | 340 | 487 | 560 | 533 | 675 | 297 | 427 |
| | | | | | | | | | | |
VI. | Profit | 138
| 225
| -67
| 166
| 149
| 100
| -155
| 1
|
Total (III+IV+V+VI)
| 515
| 599
| 581
| 746
| 682
| 775
| 252
| 433
|
|
|
|
|
|
|
|
| (Amount in Rs. lakh)
|
| | | | For the year ended 31st March
|
| | | | Vidur | Vindhyavasini | Visweshwaraya | Yavatmal |
Items | Gramin Bank
| Gramin Bank
| Gramin Bank
| Gramin Bank
|
| | | | 1997
| 1998
| 1997
| 1998
| 1997
| 1998
| 1997
| 1998
|
|
|
| (385)
| (386)
| (387)
| (388)
| (389)
| (390)
| (391)
| (392)
|
Income | | | | | | | | |
| | | | | | | | | | | |
I. | Interest Earned | 433 | 618 | 617 | 766 | 219 | 303 | 317 | 390 |
| | | | | | | | | | | |
| | a) | Interest/discount on advances/bills | 117 | 190 | 153 | 202 | 125 | 196 | 158 | 162 |
| | | | | | | | | | | |
| | b) | Income on Investments | 121 | 135 | 223 | 263 | - | 26 | 32 | 68 |
| | | | | | | | | | | |
| | c) | Interest on balances with | 194 | 293 | 241 | 300 | 94 | 81 | 127 | 160 |
| | | RBI and other inter-bank funds | | | | | | | | |
| | | | | | | | | | | |
| | d) | Others | 1 | 1 | - | - | - | - | - | - |
| | | | | | | | | | | |
II. | Other income | 34 | 18 | 9 | 64 | 22 | 32 | 35 | 41 |
| | | | | | | | | | | |
| | a) | Commission, exchange and brokerage | 28 | 10 | 9 | 64 | 4 | 6 | 26 | 22 |
| | | | | | | | | | | |
| | b) | Other miscellaneous income | 7
| 8
| -
| -
| 18
| 26
| 9
| 19
|
Total (I+II)
| 467
| 637
| 626
| 830
| 241
| 335
| 352
| 431
|
Expenditure & Provisions | | | | | | | | |
| | | | | | | | | | | |
III. | Interest expended | 286 | 337 | 427 | 528 | 142 | 186 | 184 | 211 |
| | | | | | | | | | | |
| | a) | Interest on deposits | 229 | 286 | 380 | 459 | 117 | 154 | 145 | 166 |
| | | | | | | | | | | |
| | b) | Interest on RBI/inter-bank borrowings | 55 | 48 | 47 | 68 | 5 | 8 | - | - |
| | | | | | | | | | | |
| | c) | Others | 2 | 3 | - | - | 20 | 25 | 39 | 46 |
| | | | | | | | | | | |
IV. | Operating expenses | 209 | 211 | 198 | 225 | 108 | 128 | 106 | 108 |
| | | | | | | | | | | |
| | a) | Payments to and provisions for employees | 188 | 190 | 176 | 195 | 90 | 111 | 86 | 91 |
| | | | | | | | | | | |
| | b) | Rent, taxes and lighting | 3 | 4 | 5 | 5 | 4 | 5 | 3 | 3 |
| | | | | | | | | | | |
| | c) | Printing and stationery | 2 | 4 | 4 | 3 | 2 | 3 | 2 | 1 |
| | | | | | | | | | | |
| | d) | Advertisement and publicity | - | - | - | - | - | - | - | - |
| | | | | | | | | | | |
| | e) | Depreciation on Bank's property | 1 | 2 | 3 | 3 | - | 2 | 2 | 2 |
| | | | | | | | | | | |
| | f) | Directors' fees, allowances and expenses | - | - | - | - | 2 | - | - | - |
| | | | | | | | | | | |
| | g) | Auditors' fees and expenses | 1 | - | - | 1 | - | 1 | - | - |
| | | | | | | | | | | |
| | h) | Law charges | - | 1 | - | 5 | - | - | - | - |
| | | | | | | | | | | |
| | i) | Postage, telegrams, telephones, etc. | 2 | 2 | 1 | 1 | - | 1 | 1 | 1 |
| | | | | | | | | | | |
| | j) | Repairs and maintenance | 1 | 1 | - | 1 | - | - | - | - |
| | | | | | | | | | | |
| | k) | Insurance | - | - | 2 | 3 | - | - | 1 | 1 |
| | | | | | | | | | | |
| | l) | Other expenditure | 10 | 8 | 6 | 9 | 9 | 5 | 11 | 8 |
| | | | | | | | | | | |
V. | Provisions and contingencies | - | - | 651 | - | 7 | - | 54 | 13 |
| | | | | | | | | | | |
| | Total expenses* | 494 | 548 | 625 | 753 | 249 | 314 | 290 | 319 |
| | | | | | | | | | | |
VI. | Profit | -27
| 88
| -650
| 77
| -16
| 20
| 8
| 99
|
Total (III+IV+V+VI)
| 467
| 637
| 626
| 830
| 241
| 335
| 352
| 431
|