REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Dungarpur-Banswara

Durg Rajnandgaon

Ellaquai Dehati

Etah

Kshetriya Gramin

Gramin Bank

Gramin Bank

Gramin Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(97)

(98)

(99)

(100)

(101)

(102)

(103)

(104)

Income

I.

Interest earned

147

205

874

1558

152

-

585

891

a)

Interest/discount on advances/bills

67

99

279

422

26

-

315

444

b)

Income on investments

-

6

578

578

-

-

72

161

c)

Interest on balances with RBI and other

-

-

17

558

126

-

199

287

inter-bank funds

d)

Others

81

101

-

-

-

-

-

-

II.

Other income

23

16

43

42

2

-

41

81

a)

Commission, exchange, brokerage, etc.

6

7

14

18

2

-

10

45

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

-

-

-

-

-

-

1

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

15

9

29

24

-

-

31

35

Total (I+II)

170

221

917

1601

154

-

627

972

Expenditure & Provisions

III.

Interest expended

171

241

706

1067

284

-

442

616

a)

Interest on deposits

146

215

597

948

263

-

365

501

b)

Interest on RBI/inter-bank borrowings

-

-

110

118

-

-

77

114

c)

Others

25

26

-

-

20

-

-

-

IV.

Operating expenses

159

168

538

439

387

-

248

272

a)

Payments to and provisions for employees

122

140

486

380

343

-

218

240

b)

Rent, taxes and lighting

4

4

10

13

9

-

6

7

c)

Printing and stationery

2

2

9

10

2

-

3

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

3

3

4

4

2

-

1

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

2

-

-

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

2

3

4

1

-

3

3

j)

Repairs and maintenance

-

-

1

4

-

-

1

1

k)

Insurance

16

2

11

9

21

-

-

-

l)

Other expenditure

11

14

12

14

9

-

14

15

V.

Provisions and contingencies

546

93

587

702

232

-

12

73

Total expenses

876

501

1831

2208

903

-

702

961

VI.

Profit (loss)

(706)

(280)

(914)

(607)

(749)

-

(75)

12

Total (III+IV+V+VI)

170

221

917

1601

154

-

627

972

(Amount in Rs. lakh)

For the year ended 31st March

Items

Etawah Kshetriya

Faizabad

Faridkot Bhatinda

Farrukhabad

Gramin Bank

Kshetriya Gramin

Kshetriya Gramin

Gramin Bank

Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(105)

(106)

(107)

(108)

(109)

(110)

(111)

(112)

Income

I.

Interest earned

389

475

787

1179

419

719

1322

1944

a)

Interest/discount on advances/bills

136

172

188

241

178

208

258

344

b)

Income on investments

54

62

167

308

10

88

362

530

c)

Interest on balances with RBI and other

198

241

-

-

231

423

13

3

inter-bank funds

d)

Others

-

-

433

630

-

-

689

1066

II.

Other income

23

11

45

19

25

29

33

35

a)

Commission, exchange, brokerage, etc.

17

7

23

6

3

5

3

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

-

1

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

5

5

21

13

22

24

30

32

Total (I+II)

412

486

832

1198

444

748

1355

1979

Expenditure & Provisions

III.

Interest expended

368

457

526

718

230

507

768

1045

a)

Interest on deposits

301

397

472

655

174

439

658

930

b)

Interest on RBI/inter-bank borrowings

67

59

3

-

22

-

110

114

c)

Others

-

-

51

63

35

68

-

-

IV.

Operating expenses

203

210

273

308

88

94

486

494

a)

Payments to and provisions for employees

177

190

231

254

66

68

446

443

b)

Rent, taxes and lighting

4

4

6

6

5

5

7

8

c)

Printing and stationery

1

1

3

5

1

1

7

8

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

4

4

2

2

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

-

1

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

1

1

1

1

1

2

2

j)

Repairs and maintenance

1

-

-

-

-

-

1

1

k)

Insurance

-

-

3

6

1

1

3

11

l)

Other expenditure

17

11

24

30

12

16

17

17

V.

Provisions and contingencies

37

477

82

412

108

27

82

402

Total expenses

608

1144

880

1438

427

628

1337

1941

VI.

Profit (loss)

(197)

(658)

(48)

(240)

17

120

18

38

Total (III+IV+V+VI)

412

486

832

1198

444

748

1355

1979

(Amount in Rs. lakh)

For the year ended 31st March

Items

Fatehpur

Ganga Yamuna

Gaur

Giridih Kshetriya

Kshetriya Gramin

Gramin Bank

Gramin Bank

Gramin Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(113)

(114)

(115)

(116)

(117)

(118)

(119)

(120)

Income

I.

Interest earned

350

507

319

377

1043

N

160

289

a)

Interest/discount on advances/bills

128

149

99

80

509

o

35

71

b)

Income on investments

13

65

82

116

170

t

29

47

c)

Interest on balances with RBI and other

210

293

137

182

364

A

96

171

inter-bank funds

v

d)

Others

-

-

-

-

-

a

-

-

i

II.

Other income

23

32

23

18

49

l

3

10

a)

Commission, exchange, brokerage, etc.

7

16

4

4

7

a

2

1

b)

Net profit (loss) on sale of investments

-

-

-

-

-

b

-

-

c)

Net profit (loss) on revaluation of investments

-

-

-

-

-

l

-

-

d)

Net profit (loss) on sale of land, building

-

-

-

-

-

e

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

f)

Miscellaneous income

16

16

20

14

42

1

8

Total (I+II)

373

539

342

396

1092

164

299

Expenditure & Provisions

III.

Interest expended

312

438

253

340

1043

114

184

a)

Interest on deposits

258

384

227

313

879

106

174

b)

Interest on RBI/inter-bank borrowings

54

54

23

23

12

7

10

c)

Others

-

-

3

4

152

-

-

IV.

Operating expenses

271

298

139

213

826

102

225

a)

Payments to and provisions for employees

221

249

114

181

722

77

93

b)

Rent, taxes and lighting

6

6

3

4

20

2

2

c)

Printing and stationery

4

4

1

2

12

1

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

2

1

2

3

1

119

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

1

-

-

2

-

-

h)

Law charges

-

1

-

-