REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Chambal Kshetriya

Champaran Kshetriya

Chandrapur

Chhatrasal

Gramin Bank

Gramin Bank

Gadchiroli

Gramin Bank

Gramin Bank

1996

1997

1996

1997

1996

1997

1996

1997

(73)

(74)

(75)

(76)

(77)

(78)

(79)

(80)

Income

I.

Interest earned

75

195

480

673

287

287

580

864

a)

Interest/discount on advances/bills

30

68

136

183

120

120

162

212

b)

Income on investments

-

-

-

-

107

107

162

235

c)

Interest on balances with RBI and other

45

127

344

490

60

60

255

417

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

22

26

17

12

4

4

24

41

a)

Commission, exchange, brokerage, etc.

1

2

3

4

4

4

24

41

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

-

-

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

21

24

14

8

-

-

-

-

Total (I+II)

97

221

497

684

291

291

604

905

Expenditure & Provisions

III.

Interest expended

137

225

602

815

254

255

408

519

a)

Interest on deposits

127

218

577

789

236

237

347

461

b)

Interest on RBI/inter-bank borrowings

10

6

-

-

3

3

-

-

c)

Others

-

1

24

26

15

15

61

58

IV.

Operating expenses

145

155

703

600

195

195

374

409

a)

Payments to and provisions for employees

116

129

509

561

177

177

335

378

b)

Rent, taxes and lighting

4

5

9

10

4

4

7

7

c)

Printing and stationery

3

2

3

3

4

4

3

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

2

2

1

1

3

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

1

1

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

1

1

1

1

1

3

2

j)

Repairs and maintenance

-

-

-

-

1

1

1

1

k)

Insurance

9

7

18

12

1

1

14

6

l)

Other expenditure

9

8

161

9

5

5

7

6

V.

Provisions and contingencies

71

5

201

136

39

39

250

144

Total expenses

353

386

1506

1552

489

489

1031

1071

VI.

Profit (loss)

(257)

(165)

(1009)

(867)

(198)

(198)

(427)

(167)

Total (III+IV+V+VI)

97

221

497

684

291

291

604

905

(Amount in Rs. lakh)

For the year ended 31st March

Items

Chhindwara Seoni

Chikmagalur

Chitradurga

Cuttack

Kshetriya Gramin

Kodagu

Gramin Bank

Gramya Bank

Bank

Gramin Bank

1996

1997

1996

1997

1996

1997

1996

1997

(81)

(82)

(83)

(84)

(85)

(86)

(87)

(88)

Income

I.

Interest earned

176

361

468

782

694

1056

1156

1484

a)

Interest/discount on advances/bills

56

163

314

531

466

628

406

492

b)

Income on investments

111

188

-

46

38

63

36

147

c)

Interest on balances with RBI and other

-

10

155

205

191

366

714

845

inter-bank funds

d)

Others

9

-

-

-

-

-

-

-

II.

Other income

30

33

30

38

50

55

51

151

a)

Commission, exchange, brokerage, etc.

24

27

6

7

9

10

13

13

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

-

-

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

6

6

23

31

41

45

38

138

Total (I+II)

206

394

498

819

745

1111

1207

1635

Expenditure & Provisions

III.

Interest expended

229

368

303

453

567

694

908

1352

a)

Interest on deposits

223

361

208

301

401

500

775

1208

b)

Interest on RBI/inter-bank borrowings

6

7

95

153

166

-

133

143

c)

Others

-

-

-

-

-

193

-

-

IV.

Operating expenses

230

257

185

224

408

435

842

864

a)

Payments to and provisions for employees

190

208

159

207

359

384

683

680

b)

Rent, taxes and lighting

7

8

4

4

8

9

19

20

c)

Printing and stationery

5

5

4

4

6

5

10

13

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

1

2

3

2

3

2

f)

Directors' fees, allowances and expenses

-

-

-

1

-

-

-

-

g)

Auditors' fees and expenses

-

1

1

-

1

1

1

2

h)

Law charges

1

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

2

2

1

1

4

4

5

6

j)

Repairs and maintenance

-

-

-

1

1

2

1

1

k)

Insurance

-

-

3

2

6

4

84

103

l)

Other expenditure

22

31

12

2

20

22

35

36

V.

Provisions and contingencies

-

-

31

60

-

430

51

2106

Total expenses

458

625

519

738

975

1558

1755

4321

VI.

Profit (loss)

(252)

(231)

(21)

81

(230)

(447)

(548)

(2686)

Total (III+IV+V+VI)

206

394

498

819

745

1111

1207

1635

(Amount in Rs. lakh)

For the year ended 31st March

Items

Damoh Panna

Devipatan

Dewas Shajapur

Dhenkanal

Sagar

Kshetriya

Kshetriya Gramin

Gramin Bank

Gramin Bank

Gramin Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(89)

(90)

(91)

(92)

(93)

(94)

(95)

(96)

Income

I.

Interest earned

334

465

677

1209

335

553

424

758

a)

Interest/discount on advances/bills

101

103

134

218

105

198

200

379

b)

Income on investments

-

-

264

455

103

194

110

223

c)

Interest on balances with RBI and other

-

-

279

536

127

159

113

157

inter-bank funds

d)

Others

232

363

-

-

-

1

-

-

II.

Other income

24

17

125

66

31

32

4

9

a)

Commission, exchange, brokerage, etc.

9

10

21

10

3

4

1

5

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

14

7

103

56

28

28

1

4

Total (I+II)

357

482

802

1275

366

585

427

767

Expenditure & Provisions

III.

Interest expended

355

517

419

625

289

464

362

556

a)

Interest on deposits

318

482

378

570

268

436

279

440

b)

Interest on RBI/inter-bank borrowings

36

33

41

54

21

28

83

116

c)

Others

1

2

-

-

-

-

-

-

IV.

Operating expenses

265

295

341

454

231

252

202

286

a)

Payments to and provisions for employees

249

262

313

396

203

224

180

258

b)

Rent, taxes and lighting

6

7

7

7

7

8

4

5

c)

Printing and stationery

3

4

3

5

3

2

2

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

2

3

2

2

2

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-