Table 48 : Liabilities and Assets of Scheduled Commercial Banks -1996 -97 (Part 11 of 30)

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પ્રકાશિત તારીખ મે 11, 1999

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Table 48 : Liabilities and Assets of Scheduled Commercial
Banks -1996 -97 (Part 11 of 30)

REGIONAL RURAL BANKS

										(Amount in Rs. lakh)
			As on 31st March
			Adhiyaman		Akola		Alaknanda		Aligarh		Allahabad Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)
1.	Capital		75	373	75	100	75	100	75	96	75	100
			(2.6)	(9.9)	(1.9)	(2.0)	(2.2)	(2.1)	(0.5)	(0.4)	(0.6)	(0.6)
2.	Reserves and Surplus		-	-	8	-	-	-	-	1506	-	-
			-	-	(0.2)	-	-	-	-	(6.4)	-	-
	2.1.	Statutory Reserves	-	-	8	-	-	-	-	-	-	-
	2.2.	Capital Reserves	-	-	-	-	-	-	-	-	-	-
	2.3.	Share Premium	-	-	-	-	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	-	-	-	-	-	-	-	-	-	-
	2.5.	Balance of Profit	-	-	-	-	-	-	-	1506	-	-

3.	Deposits		1740	2158	2705	3264	2822	3686	11962	16386	11007	14556
			(59.4)	(57.2)	(69.2)	(66.2)	(81.7)	(77.5)	(73.4)	(69.5)	(84.4)	(88.2)
	3.1.	Demand Deposits	46	58	139	107	100	71	335	420	490	697

		(i)	From Banks	-	-		-	-		-	-		-	-		-	-
		(ii)	From Others	46	58		139	107		100	71		335	420		490	697

	3.2.	Savings Deposits	698	890		1614	2022		1272	1589		4645	5749		5472	6965
	3.3.	Term Deposits	996	1209		952	1135		1450	2027		6982	10217		5045	6894

		(i)	From Banks	-	-		-	-		-	-		-	-		-	-
		(ii)	From Others	996	1209		952	1135		1450	2027		6982	10217		5045	6894

	3.A.	Deposits of branches in India	1740	2158	2705	3264	2822	3686	11962	16386	11007	14556
	3.B.	Deposits of branches outside India	-	-	-	-	-	-	-	-	-	-

4.	Borrowings		1045	1057	596	695	282	312	3086	4095	1014	829
			(35.7)	(28.0)	(15.3)	(14.1)	(8.2)	(6.5)	(18.9)	(17.4)	(7.8)	(5.0)
	4.1.	Borrowings in India	1045	1057	596	695	282	312	3086	4095	1014	829

(i)	From Reserve Bank of India	406	395	-	-	-	-	-	-	-	-
(ii)	From other Banks	639	662	130	134	20	30	472	618	2	-
(iii)	From other Institutions and Agencies	-	-	467	561	262	282	2614	3476	1012	829

	4.2.	Borrowings outside India	-	-	-	-	-	-	-	-	-	-

5.	Other liabilities		67	186	523	873	276	659	1182	1487	950	1012
			(2.3)	(4.9)	(13.4)	(17.7)	(8.0)	(13.9)	(7.2)	(6.3)	(7.3)	(6.1)
	5.1.	Bills Payable	-	-	7	1	-	27	456	121	27	37
	5.2.	Inter-office Adjustments	-	-	-	-	4	4	160	708	73	65
	5.3.	Interest Accrued	18	24	27	31	239	378	36	97	67	71
	5.4.	Others (including provisions)	48	162	489	841	32	250	529	560	783	839
		Total Liabilities	2928	3775	3907	4932	3454	4757	16304	23570	13046	16497
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

										(Amount in Rs. lakh)
			As on 31st March
			Adhiyaman		Akola		Alaknanda		Aligarh		Allahabad Kshetriya
			Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank		Gramin Bank
Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)
1.	Cash in hand		26	45	88	84	24	47	263	440	150	188
			(0.9)	(1.2)	(2.3)	(1.7)	(0.7)	(1.0)	(1.6)	(1.9)	(1.1)	(1.1)
2.	Balances with RBI		52	64	84	90	87	123	395	510	345	460
			(1.8)	(1.7)	(2.2)	(1.8)	(2.5)	(2.6)	(2.4)	(2.2)	(2.6)	(2.8)
3.	Balances with banks in India		628	1096	1230	1447	37	2508	4870	6171	597	4416
			(21.5)	(29.0)	(31.5)	(29.3)	(1.1)	(52.7)	(29.9)	(26.2)	(4.6)	(26.8)
4.	Money at call and short notice		-	-	-	-	1298	-	-	-	2615	-
			-	-	-	-	(37.6)	-	-	-	(20.0)	-
5.	Balances with banks outside India		-	-	-	-	-	-	-	-	-	-
6.	Investments		55	80	-	-	1042	629	2650	6305	1367	2842
			(1.9)	(2.1)	(0.0)	(0.0)	(30.2)	(13.2)	(16.3)	(26.8)	(10.5)	(17.2)
	6.A.	Investments in India	55	80	-	-	1042	629	2650	6305	1367	2842

(i)	Government securities	-	-	-	-	-	-	150	150	110	-
(ii)	Other approved securities	-	-	-	-	-	-	50	200	-	-
(iii)	Shares	-	-	-	-	-	-	-	-	-	-
(iv)	Debentures and Bonds	5	30	-	-	15	179	-	-	1257	2732
(v)	Subsidiaries and joint ventures	-	-	-	-	-	-	2050	5555	-	-
(vi)	Others	50	50	-	-	1027	450	400	400	-	110

6.B.

Investments outside India

(i)

Government securities

(ii)

Subsidiaries and joint ventures

(iii)

Others

Advances

1869

2177

1378

1927

554

770

6418

8004

5246

4580

			(63.8)	(57.7)	(35.3)	(39.1)	(16.0)	(16.2)	(39.4)	(34.0)	(40.2)	(27.8)
	7.1.	Bills purchased and discounted	5	29	31	39	-	-	1	2	-	1
	7.2.	Cash credits, overdrafts & loans	1408	1626	274	455	220	263	2336	3454	387	231
	7.3.	Term loans	456	522	1073	1432	334	507	4081	4547	4859	4349
8.	Fixed Assets		14	13	9	9	7	7	26	30	27	31
			(0.5)	(0.4)	(0.2)	(0.2)	(0.2)	(0.1)	(0.2)	(0.1)	(0.2)	(0.2)
	8.1.	Premises	-	13	9	-	-	-	26	-	-	-
	8.2.	Other Fixed assets	14	-	-	9	7	7	-	30	27	31
9.	Other Assets		284	299	1117	1375	406	674	1682	2110	2699	3980
			(9.7)	(7.9)	(28.6)	(27.9)	(11.7)	(14.2)	(10.3)	(9.0)	(20.7)	(24.1)
	9.1.	Inter - office adjustments (net)	4	-	44	131	-	258	-	-	-	-
	9.2.	Interest accrued	9	9	-	-	100	-	210	517	-	-
	9.3.	Tax paid	-	-	-	-	-	-	-	43	-	-
	9.4.	Stationery and Stamps	3	2	3	3	2	3	7	11	8	8
	9.5.	Others	268	288	1070	1241	304	413	1465	1539	2691	3973
	Total Assets		2928	3775	3907	4932	3454	4757	16304	23570	13046	16497
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

Note	:	Figures in brackets indicate percent share in total.
-	:	Nil or negligible.
Source	:	Annual accounts of banks.

Table 48 : Liabilities and Assets of Scheduled Commercial
Banks -1996 -97

REGIONAL RURAL BANKS

										(Amount in Rs. lakh)
			As on 31st March
			Alwar		Ambala		Aravali		Arunachal		Aurangabad
			Bharatpur		Kurukshetra		Kshetriya		Pradesh		Jalana
			Gramin Bank		Gramin Bank		Gramin Bank		Rural Bank		Gramin Bank
Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(11)	(12)	(13)	(14)	(15)	(16)	(17)	(18)	(19)	(20)
1.	Capital		75	88	75	88	75	96	311	311	545	545
			(0.9)	(0.9)	(1.4)	(1.2)	(1.5)	(1.9)	(18.0)	(15.1)	(6.8)	(4.2)
2.	Reserves and Surplus		-	-	-	-	-75	-2028	-	-	-	-
			-	-	-	-	(-1.5)	(-40.9)	-	-	-	-
	2.1.	Statutory Reserves	-	-	-	-	-	-	-	-	-	-
	2.2.	Capital Reserves	-	-	-	-	-	-	-	-	-	-
	2.3.	Share Premium	-	-	-	-	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	-	-	-	-	-	-	-	-	-	-
	2.5.	Balance of Profit	-	-	-	-	-75	-2028	-	-	-	-

3.	Deposits		7020	8984	4276	5518	4288	5972	1224	1438	5313	9265
			(87.9)	(88.7)	(80.4)	(74.0)	(86.9)	(120.6)	(70.8)	(69.8)	(66.8)	(71.5)
	3.1.	Demand Deposits	326	452	25	52	163	363	52	65	273	2452

		(i)	From Banks	-	-		-	-		-	-		-	-		-	-
		(ii)	From Others	326	452		25	52		163	363		52	65		273	2452

	3.2.	Savings Deposits	2784	3103		1282	1658		1424	1647		775	816		3608	4840
	3.3.	Term Deposits	3910	5429		2969	3808		2700	3962		396	558		1431	1973

		(i)	From Banks	-	-		-	-		-	-		-	-		-	-
		(ii)	From Others	3910	5429		2969	3808		2700	3962		396	558		1431	1973

	3.A.	Deposits of branches in India	7020	8984	4276	5518	4288	5972	1224	1438	5313	9265
	3.B.	Deposits of branches outside India	-	-	-	-	-	-	-	-	-	-

4.	Borrowings		424	557	708	1106	500	711	115	151	1595	1903
			(5.3)	(5.5)	(13.3)	(14.8)	(10.1)	(14.3)	(6.7)	(7.3)	(20.1)	(14.7)
	4.1.	Borrowings in India	424	557	708	1106	500	711	115	151	1595	1903

(i)	From Reserve Bank of India	-	-	-	-	-	-	-	-	-	-
(ii)	From other Banks	40	46	64	81	-	18	-	-	220	268
(iii)	From other Institutions and Agencies	384	511	644	1025	500	693	115	151	1375	1635

	4.2.	Borrowings outside India	-	-	-	-	-	-	-	-	-	-

5.	Other liabilities		466	496	259	742	145	203	79	161	500	1241
			(5.8)	(4.9)	(4.9)	(10.0)	(2.9)	(4.1)	(4.6)	(7.8)	(6.3)	(9.6)
	5.1.	Bills Payable	17	27	-	-	27	39	-	1	82	283
	5.2.	Inter-office Adjustments	25	51	1	-	46	-	1	15	-	27
	5.3.	Interest Accrued	17	17	4	5	28	42	55	68	156	200
	5.4.	Others (including provisions)	407	401	254	737	43	122	23	77	263	731
		Total Liabilities	7985	10125	5318	7454	4933	4954	1729	2060	7953	12954
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

										(Amount in Rs. lakh)
			As on 31st March
			Alwar		Ambala		Aravali		Arunachal		Aurangabad
			Bharatpur		Kurukshetra		Kshetriya		Pradesh		Jalana
			Gramin Bank		Gramin Bank		Gramin Bank		Rural Bank		Gramin Bank
Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(11)	(12)	(13)	(14)	(15)	(16)	(17)	(18)	(19)	(20)
1.	Cash in hand		176	169	106	106	93	171	22	37	182	375
			(2.2)	(1.7)	(2.0)	(1.4)	(1.9)	(3.4)	(1.3)	(1.8)	(2.3)	(2.9)
2.	Balances with RBI		247	268	126	162	123	186	33	42	123	243
			(3.1)	(2.6)	(2.4)	(2.2)	(2.5)	(3.7)	(1.9)	(2.0)	(1.5)	(1.9)
3.	Balances with banks in India		1816	2442	1084	1804	936	1609	605	898	1383	5261
			(22.7)	(24.1)	(20.4)	(24.2)	(19.0)	(32.5)	(35.0)	(43.6)	(17.4)	(40.6)
4.	Money at call and short notice		-	-	-	-	-	-	-	-	-	-
			-	-	-	-	-	-	-	-	-	-
5.	Balances with banks outside India		-	-	-	-	-	-	-	-	-	-
6.	Investments		1267	1780	868	1213	200	260	453	60	1619	1543
			(15.9)	(17.6)	(16.3)	(16.3)	(4.1)	(5.2)	(26.2)	(2.9)	(20.4)	(11.9)
	6.A.	Investments in India	1267	1780	868	1213	200	260	453	60	1619	1543

(i)	Government securities	-	-	-	-	200	20	-	-	150	175
(ii)	Other approved securities	90	60	156	156	-	240	-	-	10	10
(iii)	Shares	-	-	-	-	-	-	-	-	-	-
(iv)	Debentures and Bonds	493	1290	712	1057	-	-	-	-	1459	1358
(v)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
(vi)	Others	685	430	-	-	-	-	453	60	-	-

6.B.

Investments outside India

(i)

Government securities

(ii)

Subsidiaries and joint ventures

(iii)

Others

Advances

2225

2365

2515

3474

1940

2530

421

774

3737

4183

			(27.9)	(23.4)	(47.3)	(46.6)	(39.3)	(51.1)	(24.4)	(37.6)	(47.0)	(32.3)
	7.1.	Bills purchased and discounted	1	-	54	199	13	12	-	360	424	640
	7.2.	Cash credits, overdrafts & loans	451	703	300	389	611	726	178	-	484	584
	7.3.	Term loans	1773	1661	2161	2887	1316	1792	243	415	2829	2958
8.	Fixed Assets		14	16	19	17	22	28	7	7	15	16
			(0.2)	(0.2)	(0.4)	(0.2)	(0.5)	(0.6)	(0.4)	(0.4)	(0.2)	(0.1)
	8.1.	Premises	-	16	-	-	-	-	-	-	-	-
	8.2.	Other Fixed assets	14	-	19	17	22	28	7	7	15	16
9.	Other Assets		2239	3086	600	678	1618	171	188	241	894	1334
			(28.0)	(30.5)	(11.3)	(9.1)	(32.8)	(3.5)	(10.9)	(11.7)	(11.2)	(10.3)
	9.1.	Inter - office adjustments (net)	-	-	-	31	-	20	-	-	16	-
	9.2.	Interest accrued	114	145	78	119	79	127	28	39	49	110
	9.3.	Tax paid	-	-	-	-	-	2	-	-	-	-
	9.4.	Stationery and Stamps	3	4	5	4	6	7	3	4	5	3
	9.5.	Others	2122	2937	518	523	1533	16	158	198	824	1221
	Total Assets		7985	10125	5318	7454	4932	4954	1729	2060	7953	12954
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)