(Amount in Rs. lakh)

As on 31st March

Begusarai

Bhagalpur Banka

Bhagirath

Bhandara

Bhilwara-Ajmer

Kshetriya Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

1996

1997

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

(49)

(50)

1.

Capital

46

75

46

71

100

309

75

100

578

659

(3.0)

(3.1)

(2.1)

(2.0)

(0.5)

(1.2)

(2.5)

(2.2)

(8.7)

(8.0)

2.

Reserves and Surplus

-

-

-

-

918

1198

-

-

-

-

-

-

-

-

(4.3)

(4.8)

-

-

-

-

2.1.

Statutory Reserves

-

-

-

-

-

-

-

-

-

-

2.2.

Capital Reserves

-

-

-

-

-

-

-

-

-

-

2.3.

Share Premium

-

-

-

-

-

-

-

-

-

-

2.4.

Revenue and other Reserves

-

-

-

-

918

1198

-

-

-

-

2.5.

Balance of Profit

-

-

-

-

-

-

-

-

-

-

3.

Deposits

1262

1784

1890

2806

17564

20887

2509

3625

4748

6045

(80.7)

(73.9)

(87.8)

(80.3)

(82.3)

(83.3)

(83.2)

(80.3)

(71.6)

(72.9)

3.1.

Demand Deposits

25

65

190

179

1236

1201

38

59

305

432

(i)

From Banks

-

-

-

-

14

-

-

-

-

-

(ii)

From Others

25

65

190

179

1223

1201

38

59

305

432

3.2.

Savings Deposits

582

828

904

1414

9938

11841

1036

1484

1341

1601

3.3.

Term Deposits

656

891

795

1212

6390

7845

1435

2082

3103

4012

(i)

From Banks

-

-

-

-

-

7845

-

-

-

-

(ii)

From Others

656

891

795

1212

6390

-

1435

2082

3103

4012

3.A.

Deposits of branches in India

1262

1784

1890

2806

17564

20887

2509

3625

4748

6045

3.B.

Deposits of branches outside India

-

-

-

-

-

-

-

-

-

-

4.

Borrowings

112

119

105

208

1578

1747

275

420

954

1203

(7.2)

(4.9)

(4.9)

(5.9)

(7.4)

(7.0)

(9.1)

(9.3)

(14.4)

(14.5)

4.1.

Borrowings in India

112

119

105

208

1578

1747

275

420

954

1203

(i)

From Reserve Bank of India

-

-

-

-

-

-

-

-

-

-

(ii)

From other Banks

-

-

-

-

240

270

41

64

69

89

(iii)

From other Institutions and Agencies

112

119

105

208

1338

1477

234

355

884

1114

4.2.

Borrowings outside India

-

-

-

-

-

-

-

-

-

-

5.

Other liabilities

144

437

111

408

1186

946

158

368

351

386

(9.2)

(18.1)

(5.2)

(11.7)

(5.6)

(3.8)

(5.2)

(8.1)

(5.3)

(4.7)

5.1.

Bills Payable

2

-

-

-

45

32

-

-

39

11

5.2.

Inter-office Adjustments

-

-

-

12

-

70

-

-

-

-

5.3.

Interest Accrued

62

106

91

162

24

21

-

-

56

59

5.4.

Others (including provisions)

80

331

19

234

1118

824

158

368

256

317

Total Liabilities

1565

2415

2152

3492

21347

25087

3017

4512

6630

8294

(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

Begusarai

Bhagalpur Banka

Bhagirath

Bhandara

Bhilwara-Ajmer

Kshetriya Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

1996

1997

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

(49)

(50)

1.

Cash in hand

23

35

33

59

288

475

43

62

86

198

(1.5)

(1.5)

(1.5)

(1.7)

(1.4)

(1.9)

(1.4)

(1.4)

(1.3)

(2.4)

2.

Balances with RBI

42

61

55

79

527

640

73

111

149

180

(2.7)

(2.5)

(2.6)

(2.3)

(2.5)

(2.5)

(2.4)

(2.5)

(2.2)

(2.2)

3.

Balances with banks in India

660

1052

712

1233

11665

12279

810

1000

1726

1772

(42.2)

(43.5)

(33.1)

(35.3)

(54.6)

(48.9)

(26.9)

(22.2)

(26.0)

(21.4)

4.

Money at call and short notice

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5.

Balances with banks outside India

-

-

-

-

-

-

-

-

-

-

6.

Investments

180

247

285

285

3554

5690

-

365

342

1000

(11.5)

(10.2)

(13.2)

(8.2)

(16.7)

(22.7)

-

(8.1)

(5.2)

(12.1)

6.A.

Investments in India

180

247

285

285

3554

5690

-

365

342

1000

(i)

Government securities

-

-

-

200

2000

-

-

365

-

-

(ii)

Other approved securities

75

75

200

-

-

-

-

-

-

-

(iii)

Shares

-

172

-

-

-

-

-

-

-

-

(iv)

Debentures and Bonds

105

-

85

85

50

3140

-

-

55

1000

(v)

Subsidiaries and joint ventures

-

-

-

-

-

-

-

-

-

-

(vi)

Others

-

-

-

-

1504

2550

-

-

287

-

6.B.

Investments outside India

-

-

-

-

-

-

-

-

-

-

(i)

Government securities

-

-

-

-

-

-

-

-

-

-

(ii)

Subsidiaries and joint ventures

-

-

-

-

-

-

-

-

-

-

(iii)

Others

-

-

-

-

-

-

-

-

-

-

7.

Advances

494

655

719

1348

4418

4108

1065

1532

3611

4209

(31.6)

(27.1)

(33.4)

(38.6)

(20.7)

(16.4)

(35.3)

(34.0)

(54.5)

(50.7)

7.1.

Bills purchased and discounted

1

1

1

2

1

1

-

-

65

47

7.2.

Cash credits, overdrafts & loans

54

22

55

84

4417

4108

393

588

721

856

7.3.

Term loans

439

632

663

1262

-

-

672

944

2824

3305

8.

Fixed Assets

7

7

15

18

18

20

14

15

17

28

(0.5)

(0.3)

(0.7)

(0.5)

(0.1)

(0.1)

(0.5)

(0.3)

(0.3)

(0.3)

8.1.

Premises

-

-

-

-

-

-

-

-

-

-

8.2.

Other Fixed assets

7

7

15

18

18

20

14

15

17

28

9.

Other Assets

158

358

333

470

877

1875

1011

1427

701

908

(10.1)

(14.8)

(15.5)

(13.5)

(4.1)

(7.5)

(33.5)

(31.6)

(10.6)

(10.9)

9.1.

Inter - office adjustments (net)

10

32

70

-

45

-

-

31

34

83

9.2.

Interest accrued

32

51

56

96

788

1788

-

-

58

236

9.3.

Tax paid

-

-

-

2

-

14

-

-

-

-

9.4.

Stationery and Stamps

1

1

1

2

6

8

4

6

6

7

9.5.

Others

115

273

205

371

38

65

1007

1390

602

583

Total Assets

1565

2415

2152

3492

21347

25087

3017

4512

6630

8294

(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

(Amount in Rs. lakh)

As on 31st March

Bhojpur Rohtas

Bijapur

Bikaner Kshetriya

Bilaspur Raipur

Bolangir

Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Anchalik Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

1996

1997

(51)

(52)

(53)

(54)

(55)

(56)

(57)

(58)

(59)

(60)

1.

Capital

257

718

737

737

75

88

75

100

75

100

(1.0)

(2.2)

(4.9)

(4.0)

(6.7)

(5.2)

(0.6)

(0.7)

(0.5)

(0.6)

2.

Reserves and Surplus

46

5

-

186

-

-

-

-

-

-

(0.2)

-

-

(1.0)

-

-

-

-

-

-

2.1.

Statutory Reserves

-

-

-

-

-

-

-

-

-

-

2.2.

Capital Reserves

-

-

-

-

-

-

-

-

-

-

2.3.

Share Premium

-

-

-

-

-

-

-

-

-

-

2.4.

Revenue and other Reserves

5

5

-

-

-

-

-

-

-

-

2.5.

Balance of Profit

41

-

-

186

-

-

-

-

-

-

3.

Deposits

24252

29856

8746

10976

839

1207

10160

12738

9706

11939

(91.5)

(89.7)

(57.8)

(59.1)

(74.5)

(71.2)

(82.3)

(84.0)

(66.4)

(71.8)

3.1.

Demand Deposits

1316

1412

116

296

16

58

1124

1203

764

942

(i)

From Banks

-

-

-

-

-

-

-

-

-

-

(ii)

From Others

1316

1412

116

296

16

58

1124

1203

764

942

3.2.

Savings Deposits

11318

13350

3222

4198

242

325

3890

4803

5214

5988

3.3.

Term Deposits

11618

15095

5408

6483

581

824

5146

6732

3728

5010

(i)

From Banks

-

-

-

-

-

-

-

-

-

-

(ii)

From Others

11618