REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Kshetriya

Kutch

K.Kisan

Lakhimi

Gramin Bank

Grameen Bank

Gramin Bank

Gaonlia Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(193)

(194)

(195)

(196)

(197)

(198)

(199)

(200)

Income

I.

Interest earned

578

871

400

751

517

704

585

852

a)

Interest/discount on advances/bills

175

354

67

173

244

202

137

175

b)

Income on investments

192

256

137

274

18

56

242

534

c)

Interest on balances with RBI and other

211

261

195

303

146

155

20

4

inter-bank funds

d)

Others

-

-

-

-

109

291

187

139

II.

Other income

39

25

43

27

46

15

33

38

a)

Commission, exchange, brokerage, etc.

21

25

26

9

1

3

12

16

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

18

-

16

18

44

12

21

22

Total (I+II)

617

896

442

778

563

719

618

889

Expenditure & Provisions

III.

Interest expended

494

693

364

527

436

712

485

635

a)

Interest on deposits

442

633

329

480

237

364

437

582

b)

Interest on RBI/inter-bank borrowings

5

4

35

47

52

58

48

52

c)

Others

47

55

-

-

146

291

-

-

IV.

Operating expenses

425

443

209

200

320

585

451

604

a)

Payments to and provisions for employees

380

393

193

182

224

244

363

538

b)

Rent, taxes and lighting

10

11

2

3

4

5

12

14

c)

Printing and stationery

4

5

2

3

2

3

6

7

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

2

2

1

2

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

-

1

1

1

h)

Law charges

-

-

-

-

1

2

-

-

i)

Postage, telegrams, telephones, etc.

2

2

2

2

-

1

1

2

j)

Repairs and maintenance

3

4

-

1

-

-

1

1

k)

Insurance

1

6

3

2

38

11

1

1

l)

Other expenditure

23

18

5

5

48

318

63

37

V.

Provisions and contingencies

63

898

209

-

1034

-

2

1255

Total expenses

983

2034

573

727

1789

1297

650

2494

VI.

Profit (loss)

(366)

(1138)

(131)

51

(1226)

(579)

(32)

(1604)

Total (III+IV+V+VI)

617

896

442

778

563

719

618

889

(Amount in Rs. lakh)

For the year ended 31st March

Langpi Dehangi

Madhubani Kshetriya

Magadh

Mahakaushal Kshetriya

Rural Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(201)

(202)

(203)

(204)

(205)

(206)

(207)

(208)

Income

I.

Interest earned

143

140

158

225

1857

2525

63

80

a)

Interest/discount on advances/bills

32

41

37

59

265

232

16

12

b)

Income on investments

34

39

-

-

517

1660

-

-

c)

Interest on balances with RBI and other

78

61

121

166

1076

634

47

68

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

20

18

5

6

27

32

11

11

a)

Commission, exchange, brokerage, etc.

7

10

2

6

3

3

2

3

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

12

8

3

-

24

29

7

7

Total (I+II)

163

158

163

232

1884

2557

73

91

Expenditure & Provisions

III.

Interest expended

145

171

297

410

1239

1670

111

154

a)

Interest on deposits

127

155

276

403

1185

1616

107

146

b)

Interest on RBI/inter-bank borrowings

2

2

21

6

3

3

4

8

c)

Others

16

14

-

-

52

52

-

-

IV.

Operating expenses

177

186

332

347

884

914

156

170

a)

Payments to and provisions for employees

143

162

310

324

720

756

135

152

b)

Rent, taxes and lighting

3

3

5

5

9

9

5

6

c)

Printing and stationery

2

2

2

3

6

8

2

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

1

2

3

3

1

3

f)

Directors' fees, allowances and expenses

-

-

-

0

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

2

2

-

-

h)

Law charges

-

-

-

0

-

-

-

-

i)

Postage, telegrams, telephones, etc.

-

-

-

1

2

3

1

1

j)

Repairs and maintenance

1

-

1

1

-

1

-

-

k)

Insurance

9

3

4

3

130

118

7

2

l)

Other expenditure

18

14

8

9

11

13

5

3

V.

Provisions and contingencies

17

47

-

188

138

1567

-

287

Total expenses

339

404

629

945

2261

4151

267

611

VI.

Profit (loss)

(176)

(246)

(465)

(713)

(377)

(1594)

(194)

(521)

Total (III+IV+V+VI)

163

158

163

232

1884

2557

73

91

(Amount in Rs. lakh)

For the year ended 31st March

Malaprabha

Mallabhum

Malwa

Mandla Balaghat

Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(209)

(210)

(211)

(212)

(213)

(214)

(215)

(216)

Income

I.

Interest earned

3714

5168

1729

2510

526

691

97

195

a)

Interest/discount on advances/bills

2621

3453

472

687

260

343

16

47

b)

Income on investments

240

767

477

962

102

136

-

-

c)

Interest on balances with RBI and other

853

948

780

861

164

213

81

148

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

615

366

169

262

48

59

10

13

a)

Commission, exchange, brokerage, etc.

35

43

160

217

47

35

7

8

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

581

323

9

45

1

24

3

6

Total (I+II)

4329

5534

1898

2771

573

750

107

208

Expenditure & Provisions

III.

Interest expended

2295

2822

1543

2164

315

417

147

223

a)

Interest on deposits

1373

1758

1417

2026

229

303

146

220

b)

Interest on RBI/inter-bank borrowings

923

1064

125

138

35

113

1

3

c)

Others

-

-

-

-

50

-

-

-

IV.

Operating expenses

1543

1695

1099

1169

125

138

183

191

a)

Payments to and provisions for employees

1362

1485

968

1069

107

118

153

168

b)

Rent, taxes and lighting

24

31

20

24

4

4

3

4

c)

Printing and stationery

19

21

14

13

1

2

2

2

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

11

13

4

4

3

3

1

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

3

4

2

2

-

1

-

-

h)

Law charges

-

1

1

1

-

-

-

-

i)

Postage, telegrams, telephones, etc.

15

17

2

1

1

1

1

1

j)