REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Hindon

Hissar-Sirsa

Howrah

Indore Ujjain

Items

Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

1996

1997

1996

1997

1996

1997

1996

1997

(145)

(146)

(147)

(148)

(149)

(150)

(151)

(152)

Income

I.

Interest earned

121

213

547

780

911

1333

198

344

a)

Interest/discount on advances/bills

32

44

269

356

214

295

82

131

b)

Income on investments

27

52

108

155

523

592

115

208

c)

Interest on balances with RBI and other

61

-

170

269

173

447

2

5

inter-bank funds

d)

Others

-

116

-

-

-

-

-

-

II.

Other income

9

4

37

30

49

58

17

23

a)

Commission, exchange, brokerage, etc.

3

3

4

5

33

41

(4)

4

b)

Net profit (loss) on sale of investments

-

-

-

-

-

-

-

-

c)

Net profit (loss) on revaluation of investments

5

-

-

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

-

-

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

1

1

32

25

16

17

21

19

Total (I+II)

129

217

583

810

960

1391

215

367

Expenditure & Provisions

III.

Interest expended

102

140

376

508

548

842

149

221

a)

Interest on deposits

96

132

299

410

515

806

124

187

b)

Interest on RBI/inter-bank borrowings

6

8

4

3

33

36

25

34

c)

Others

-

-

73

94

-

-

-

-

IV.

Operating expenses

81

85

159

184

300

351

131

163

a)

Payments to and provisions for employees

60

65

134

154

268

295

113

142

b)

Rent, taxes and lighting

2

3

6

7

8

9

4

6

c)

Printing and stationery

1

1

2

3

4

6

3

1

d)

Advertisement and publicity

-

-

-

-

-

1

-

-

e)

Depreciation on Bank's property

1

1

3

3

3

4

1

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

1

1

-

-

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

1

1

1

1

1

1

1

j)

Repairs and maintenance

-

-

1

-

1

1

1

1

k)

Insurance

12

9

3

3

6

25

1

1

l)

Other expenditure

4

4

9

12

9

9

7

9

V.

Provisions and contingencies

10

102

43

54

76

66

22

154

Total expenses

192

326

577

746

925

1259

302

537

VI.

Profit (loss)

(63)

(110)

6

64

35

132

(87)

(170)

Total (III+IV+V+VI)

129

217

583

810

960

1391

215

367

(Amount in Rs. lakh)

For the year ended 31st March

Jaipur Nagaur Anchalik

Jammu Rural

Jamnagar

Jamuna

Gramin Bank

Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(153)

(154)

(155)

(156)

(157)

(158)

(159)

(160)

Income

I.

Interest earned

1808

2267

1203

1925

481

605

395

785

a)

Interest/discount on advances/bills

337

524

155

228

219

189

252

332

b)

Income on investments

619

641

107

221

-

134

86

257

c)

Interest on balances with RBI and other

852

1101

941

1476

262

282

56

196

inter-bank funds

d)

Others

-

-

-

-

-

-

1

-

II.

Other income

59

131

12

15

4

8

45

63

a)

Commission, exchange, brokerage, etc.

15

16

3

5

4

8

25

38

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

-

2

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

44

113

9

11

-

-

20

25

Total (I+II)

1867

2398

1215

1940

485

613

440

848

Expenditure & Provisions

III.

Interest expended

1125

1654

756

1167

409

553

341

584

a)

Interest on deposits

1053

1580

725

1123

341

465

283

503

b)

Interest on RBI/inter-bank borrowings

71

74

-

-

69

87

6

8

c)

Others

-

-

31

44

-

-

51

74

IV.

Operating expenses

689

698

408

455

220

231

201

228

a)

Payments to and provisions for employees

611

616

359

404

203

210

162

176

b)

Rent, taxes and lighting

9

10

8

9

4

5

9

9

c)

Printing and stationery

6

7

9

8

3

4

2

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

2

2

3

1

1

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

2

1

1

-

1

-

1

h)

Law charges

1

1

1

1

-

-

-

-

i)

Postage, telegrams, telephones, etc.

4

4

1

2

1

1

2

3

j)

Repairs and maintenance

1

-

-

1

-

1

-

-

k)

Insurance

34

35

5

7

2

2

-

-

l)

Other expenditure

21

21

21

20

5

6

21

32

V.

Provisions and contingencies

-

344

45

293

-

-

39

231

Total expenses

1813

2695

1209

1915

629

783

581

1043

VI.

Profit (loss)

53

(297)

6

25

(144)

(171)

(141)

(196)

Total (III+IV+V+VI)

1867

2398

1215

1940

485

613

440

848

(Amount in Rs. lakh)

For the year ended 31st March

Jhbua Dhar Kshetriya

Junagadh Amreli

Ka Bank

Kakathiya

Gramin Bank

Gramin Bank

Nongkyndong

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(161)

(162)

(163)

(164)

(165)

(166)

(167)

(168)

Income

I.

Interest earned

368

604

237

340

604

994

355

373

a)

Interest/discount on advances/bills

256

373

74

94

49

85

267

225

b)

Income on investments

3

10

28

78

392

622

-

-

c)

Interest on balances with RBI and other

109

220

135

169

163

288

88

148

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

33

29

14

26

46

35

36

28

a)

Commission, exchange, brokerage, etc.

5

5

5

17

38

31

8

7

b)

Net profit (loss) on sale of investments

-

-

-

-

-

-

-

-

c)

Net profit (loss) on revaluation of investments

-

-

10

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

-

-

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

28

24

-

9

8

4

29

21

Total (I+II)

401

634

251

366

651

1030

391

401

Expenditure & Provisions

III.

Interest expended

440

614

193

261

325

484

265

325

a)

Interest on deposits

347

510

162

218

289

436

178

225

b)

Interest on RBI/inter-bank borrowings

94

104

25

33

36

48

86

99

c)

Others

-

-

7

10

-

-

-

-

IV.

Operating expenses

346

380

136

142

178

189

208

203

a)

Payments to and provisions for employees

312

341

117

122

148

153

163

165

b)

Rent, taxes and lighting

8

9

3

3

8

9

6

6

c)

Printing and stationery

5

4

1

3

2

5

4

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

1

1

2

2

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

-

-

-

-

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

2

1

1

1

-

1

1

1

j)

Repairs and maintenance

1

1

-

-