REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Saran Kshetriya

Sarayu

Shahajahanpur

Shahdol Kshetriya

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Gaonlia Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(313)

(314)

(315)

(316)

(317)

(318)

(319)

(320)

Income

I.

Interest earned

105

414

565

727

300

403

93

300

a)

Interest/discount on advances/bills

56

100

145

178

118

163

19

48

b)

Income on investments

-

-

408

543

35

60

-

-

c)

Interest on balances with RBI and other

50

313

12

6

147

180

74

252

inter-bank funds

d)

Others

-

1

-

-

-

-

-

-

II.

Other income

144

4

27

16

22

37

8

16

a)

Commission, exchange, brokerage, etc.

1

2

26

16

3

11

8

6

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

143

2

1

-

19

26

-

10

Total (I+II)

249

418

592

743

322

440

100

315

Expenditure & Provisions

III.

Interest expended

331

487

283

364

205

278

172

267

a)

Interest on deposits

318

471

239

314

152

210

167

259

b)

Interest on RBI/inter-bank borrowings

13

16

44

50

-

-

6

7

c)

Others

-

-

1

-

54

68

-

-

IV.

Operating expenses

225

237

184

170

176

146

187

185

a)

Payments to and provisions for employees

196

222

140

147

109

119

161

153

b)

Rent, taxes and lighting

3

3

4

5

3

3

3

4

c)

Printing and stationery

2

3

2

2

3

2

2

2

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

2

2

2

1

1

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

1

-

-

-

1

-

-

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

-

-

2

2

1

2

-

-

j)

Repairs and maintenance

1

1

-

-

3

3

-

-

k)

Insurance

6

4

26

5

2

11

11

13

l)

Other expenditure

15

3

7

6

53

4

9

11

V.

Provisions and contingencies

1083

432

96

42

49

-

-

154

Total expenses

1639

1157

563

575

430

424

359

605

VI.

Profit (loss)

(1389)

(739)

28

167

(108)

16

(259)

(290)

Total (III+IV+V+VI)

249

418

592

743

322

440

100

315

(Amount in Rs. lakh)

For the year ended 31st March

Sharda

Shekhawati

Shivalik Kshetriya

Shivpuri Kshetriya

Gramin Bank

Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(321)

(322)

(323)

(324)

(325)

(326)

(327)

(328)

Income

I.

Interest earned

497

702

1119

1511

652

905

338

584

a)

Interest/discount on advances/bills

72

98

417

581

177

201

117

183

b)

Income on investments

11

128

204

516

212

333

34

58

c)

Interest on balances with RBI and other

415

475

498

414

263

371

187

342

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

8

50

63

115

44

56

16

32

a)

Commission, exchange, brokerage, etc.

8

47

46

13

3

4

8

11

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

-

3

17

101

40

52

8

21

Total (I+II)

505

752

1183

1625

695

960

354

615

Expenditure & Provisions

III.

Interest expended

396

526

976

1241

399

564

401

614

a)

Interest on deposits

376

508

857

1110

355

516

374

580

b)

Interest on RBI/inter-bank borrowings

-

-

-

-

44

48

27

34

c)

Others

20

18

118

131

-

-

-

-

IV.

Operating expenses

384

286

536

554

186

196

262

302

a)

Payments to and provisions for employees

345

261

446

482

156

172

239

269

b)

Rent, taxes and lighting

4

5

4

5

4

4

9

10

c)

Printing and stationery

3

3

5

5

2

3

3

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

4

3

2

2

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

1

1

2

-

1

1

1

h)

Law charges

-

-

1

2

1

1

-

-

i)

Postage, telegrams, telephones, etc.

2

2

5

4

1

1

2

2

j)

Repairs and maintenance

-

1

1

1

1

-

1

1

k)

Insurance

19

3

2

1

5

-

-

4

l)

Other expenditure

10

9

67

49

14

11

5

8

V.

Provisions and contingencies

78

481

30

854

31

140

121

36

Total expenses

858

1292

1541

2649

616

901

784

953

VI.

Profit (loss)

(353)

(540)

(358)

(1023)

79

60

(430)

(337)

Total (III+IV+V+VI)

505

752

1183

1625

695

960

354

615

(Amount in Rs. lakh)

For the year ended 31 March

Shri Sathavahana

Shri Venkateshwara

Singhbhum

Siwan Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(329)

(330)

(331)

(332)

(333)

(334)

(335)

(336)

Income

I.

Interest earned

511

801

785

1433

442

759

858

1165

a)

Interest/discount on advances/bills

245

417

522

928

72

133

199

205

b)

Income on investments

60

129

13

32

181

331

111

113

c)

Interest on balances with RBI and other

197

255

250

473

190

295

548

846

inter-bank funds

d)

Others

9

-

-

-

-

-

-

-

II.

Other income

24

28

58

56

16

15

19

14

a)

Commission, exchange, brokerage, etc.

14

19

21

26

4

3

4

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

10

9

36

30

11

12

15

9

Total (I+II)

535

829

842

1488

458

774

877

1180

Expenditure & Provisions

III.

Interest expended

460

615

634

869

364

583

519

793

a)

Interest on deposits

360

516

472

661

346

561

491

769

b)

Interest on RBI/inter-bank borrowings

100

99

162

209

18

22

28

24

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

251

239

409

518

292

325

303

304

a)

Payments to and provisions for employees

190

183

361

463

263

288

261

280

b)

Rent, taxes and lighting

5

7

10

11

6

7

4

5

c)

Printing and stationery

4

5

6

7

9

6

3

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

3

3

2

2

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

1

1

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

1

6

6

1

1

-

-

j)

Repairs and maintenance

1

1

2

3