(Amount in Rs. lakh)

For the year ended 31st March

Adhiyaman

Akola Gramin

Alaknanda

Aligarh

Items

Gramin Bank

Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I.

Interest Earned

418

481

270

299

430

610

2312

3181

a)

Interest/discount on advances/bills

291

346

155

166

71

104

936

1183

b)

Income on Investments

9

15

-

-

131

104

821

1233

c)

Interest on balances with

119

120

115

134

228

402

555

765

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

26

39

16

18

17

47

135

99

a)

Commission, exchange and brokerage

3

5

11

11

9

5

18

62

b)

Other miscellaneous income

22

34

5

6

7

41

117

37

Total (I+II)

443

520

286

317

447

656

2447

3280

Expenditure & Provisions

III.

Interest expended

259

242

219

260

319

404

1469

1865

a)

Interest on deposits

155

189

171

201

301

384

1192

1549

b)

Interest on RBI/inter-bank borrowings

104

53

-

-

18

21

277

316

c)

Others

-

-

48

59

-

-

-

-

IV.

Operating expenses

115

130

175

210

216

174

527

558

a)

Payments to and provisions for employees

96

105

152

184

182

136

432

500

b)

Rent, taxes and lighting

3

4

6

7

4

5

13

14

c)

Printing and stationery

2

3

3

2

2

2

5

8

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

1

2

1

1

4

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

-

-

-

1

1

h)

Law charges

-

-

-

-

-

-

-

1

i)

Postage, telegrams, telephones, etc.

2

3

1

2

1

1

3

3

j)

Repairs and maintenance

2

2

-

-

-

-

2

2

k)

Insurance

1

1

4

2

11

13

6

1

l)

Other expenditure

6

10

8

11

15

16

62

22

V.

Provisions and contingencies

92

14

38

10

20

-

264

120

Total expenses*

374

372

395

470

536

578

1996

2423

VI.

Profit

-22

134

-146

-163

-109

78

187

736

Total (III+IV+V+VI)

443

520

286

317

447

656

2447

3280

(Amount in Rs. lakh)

For the year ended 31st March

Allahabad

Alwar

Ambala

Aravali

Kshetriya

Bharatpur

Kurukshetra

Kshetriya

Items

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I.

Interest Earned

1049

1378

768

1112

661

906

429

592

a)

Interest/discount on advances/bills

298

303

224

504

323

474

236

376

b)

Income on Investments

306

525

267

288

159

202

40

45

c)

Interest on balances with

445

550

278

320

174

229

154

170

RBI and other inter-bank funds

d)

Others

-

-

-

-

5

1

-

-

II.

Other income

68

48

22

28

17

25

38

34

a)

Commission, exchange and brokerage

47

33

5

7

4

3

11

11

b)

Other miscellaneous income

21

15

17

21

14

21

27

22

Total (I+II)

1117

1426

790

1140

679

931

467

626

Expenditure & Provisions

III.

Interest expended

1010

1235

674

761

457

605

499

600

a)

Interest on deposits

948

1180

643

713

395

494

453

537

b)

Interest on RBI/inter-bank borrowings

62

55

31

48

62

111

46

63

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

585

659

352

405

165

191

263

302

a)

Payments to and provisions for employees

529

411

318

368

140

158

222

257

b)

Rent, taxes and lighting

13

12

8

10

5

6

8

8

c)

Printing and stationery

6

6

4

4

2

2

4

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

4

4

2

2

3

3

4

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

1

1

1

1

h)

Law charges

-

-

-

-

-

1

2

1

i)

Postage, telegrams, telephones, etc.

1

2

1

2

1

2

2

3

j)

Repairs and maintenance

-

-

-

1

1

1

2

1

k)

Insurance

8

17

5

5

3

3

3

7

l)

Other expenditure

23

206

12

12

10

16

16

15

V.

Provisions and contingencies

540

302

539

-

69

49

147

-41

Total expenses*

1594

1894

1026

1166

622

796

762

901

VI.

Profit

-1017

-770

-774

-26

-12

86

-442

-234

Total (III+IV+V+VI)

1117

1426

790

1140

679

931

467

626

(Amount in Rs. lakh)

For the year ended 31st March

Arunachal

Aurangabad

Pradesh

Jalana

Avadh

Baitarani

Items

Rural Bank

Gramin Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I.

Interest Earned

177

225

903

1025

2694

3135

761

885

a)

Interest/discount on advances/bills

67

157

336

406

364

512

296

393

b)

Income on Investments

37

68

466

607

2299

2596

246

234

c)

Interest on balances with

73

-

23

12

30

26

219

257

RBI and other inter-bank funds

d)

Others

-

-

78

-

-

-

-

-

II.

Other income

9

15

99

74

8

63

10

12

a)

Commission, exchange and brokerage

5

8

54

69

6

12

8

5

b)

Other miscellaneous income

4

7

45

5

2

51

2

8

Total (I+II)

187

240

1002

1099

2702

3198

771

897

Expenditure & Provisions

III.

Interest expended

97

129

485

500

1530

1829

670

816

a)

Interest on deposits

85

99

281

351

1407

1707

546

707

b)

Interest on RBI/inter-bank borrowings

12

30

205

149

122

122

24

110

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

80

83

310

335

750

717

430

492

a)

Payments to and provisions for employees

68

72

232

263

637

655

391

456

b)

Rent, taxes and lighting

3

3

8

9

11

13

9

10

c)

Printing and stationery

3

3

10

5

10

12

6

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

4

6

6

8

3

-

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

1

1

-

1

h)

Law charges

-

-

-

1

1

-

-

-

i)

Postage, telegrams, telephones, etc.

-

-

2

3

2

1

2

1

j)

Repairs and maintenance

-

-

2

2

2

2

-

1

k)

Insurance

3

2

3

9

72

14

-

6

l)

Other expenditure

1

2

48

37

9

10

19

11

V.

Provisions and contingencies

45

20

471

159

602

138

363

21

Total expenses*

177

212

795

835

2280

2545

1099

1308

VI.

Profit

-36

8

-265

105

-181

514

-691

-432

Total (III+IV+V+VI)

187

240

1002

1099

2702

3198

771

897

(Amount in Rs. lakh)

For the year ended 31st March

Banaskantha

Balasore

Balia Kshetriya

Mehsana

Bara Banki

Items

Gramya Bank

Gramin Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I.

Interest Earned

224

235

1341

1786

603

851

1946

2132

a)

Interest/discount on advances/bills

189

188

341

418

257

337

271

321

b)

Income on Investments

-

-

-

374

333

212

1193

1235

c)

Interest on balances with

35

46

1000

-

9

295

464

530

RBI and other inter-bank funds

d)

Others

-

-

-

993

4

6

18

46

II.

Other income

30

28

41

104

25

39

23

29

a)

Commission, exchange and brokerage

4

3

21

30

5

6

10

18

b)

Other miscellaneous income

26

26

20

73

20

33

12

11

Total (I+II)

254

263

1383

1889

628

890

1969

2161

Expenditure & Provisions

III.

Interest expended