(Amount in Rs. lakh)

For the year ended 31st March

Adhiyaman

Akola

Alaknanda

Aligarh

Items

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

1998

1999

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I.

Interest Earned

481

577

299

330

610

752

3181

3885

a)

Interest/discount on advances/bills

346

346

166

192

104

126

1183

1333

b)

Income on Investments

15

48

-

-

104

101

1233

1485

c)

Interest on balances with

120

182

134

138

402

526

765

1068

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

39

59

18

46

47

36

99

93

a)

Commission, exchange and brokerage

5

11

11

13

5

7

62

53

b)

Other miscellaneous income

34

47

6

32

41

29

37

41

Total(I+II)

520

635

317

376

656

788

3280

3978

Expenditure & Provisions

III.

Interest expended

242

281

260

268

404

497

1865

2264

a)

Interest on deposits

189

232

201

154

384

466

1549

1964

b)

Interest on RBI/inter-bank borrowings

53

49

-

68

21

31

316

300

c)

Others

-

-

59

46

-

-

-

-

IV.

Operating expenses

130

147

210

230

174

211

558

680

a)

Payments to and provisions for employees

105

119

184

199

136

167

500

605

b)

Rent, taxes and lighting

4

5

7

7

5

5

14

17

c)

Printing and stationery

3

3

2

2

2

2

8

7

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

2

2

1

1

4

5

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

-

-

-

1

1

1

h)

Law charges

-

-

-

-

-

-

1

1

i)

Postage, telegrams, telephones, etc.

3

4

2

1

1

1

3

5

j)

Repairs and maintenance

2

2

-

-

-

-

2

-

k)

Insurance

1

1

2

2

13

17

1

2

l)

Other expenditure

10

11

11

16

16

17

22

38

V.

Provisions and contingencies

14

26

10

8

-

-

120

-

Total expenses*

372

428

470

498

578

708

2423

2941

VI.

Profit

134

181

-163

-129

78

80

736

1034

Total (III+IV+V+VI)

520

635

317

376

656

788

3280

3978

(Amount in Rs. lakh)

For the year ended 31st March

Allahabad

Alwar

Ambala

Aravali

Items

Kshetriya

Bharatpur

Kurukshetra

Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

1998

1999

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I

Interest Earned

1378

2026

1112

1204

906

1120

592

797

a)

Interest/discount on advances/bills

303

434

504

483

474

609

376

434

b)

Income on Investments

525

624

288

357

202

276

45

117

c)

Interest on balances with

550

968

320

364

229

231

170

247

RBI and other inter-bank funds

d)

Others

-

-

-

-

1

3

-

-

II.

Other income

48

76

28

33

25

30

34

45

a)

Commission, exchange and brokerage

33

13

7

12

3

6

11

14

b)

Other miscellaneous income

15

63

21

21

21

24

22

30

Total(I+II)

1426

2102

1140

1237

931

1150

626

842

Expenditure & Provisions

III.

Interest expended

1235

1476

761

895

605

710

600

749

a)

Interest on deposits

1180

1427

713

827

494

590

537

653

b)

Interest on RBI/inter-bank borrowings

55

49

48

68

111

120

63

96

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

659

591

405

507

191

260

302

342

a)

Payments to and provisions for employees

411

504

368

464

158

222

257

292

b)

Rent, taxes and lighting

12

12

10

10

6

6

8

9

c)

Printing and stationery

6

9

4

4

2

2

5

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

-

-

1

-

1

2

i)

Postage, telegrams, telephones, etc.

2

2

2

3

2

3

3

4

j)

Repairs and maintenance

-

-

1

1

1

-

1

2

k)

Insurance

17

12

5

6

3

4

7

6

l)

Other expenditure

206

46

12

14

16

18

15

17

V.

Provisions and contingencies

302

-

-

-

49

70

- 41

26

Total expenses*

1894

2067

1166

1401

796

970

901

1091

VI.

Profit

-770

35

-26

-164

86

110

-234

-275

Total (III+IV+V+VI)

1426

2102

1140

1237

931

1150

626

842

(Amount in Rs. lakh)

For the year ended 31st March

Arunachal

Aurangabad

Items

Pradesh

Jalana

Avadh

Baitarani

Rural Bank

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

1998

1999

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I.

Interest Earned

225

381

1025

1109

3135

3848

885

1239

a)

Interest/discount on advances/bills

157

335

406

485

512

598

393

489

b)

Income on Investments

68

41

607

604

2596

3211

234

380

c)

Interest on balances with

-

5

12

19

26

39

257

370

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

15

16

74

46

63

55

12

19

a)

Commission, exchange and brokerage

8

10

69

40

12

13

5

7

b)

Other miscellaneous income

7

6

5

6

51

42

8

12

Total(I+II)

240

397

1099

1155

3198

3903

897

1257

Expenditure & Provisions

III.

Interest expended

129

195

500

545

1829

2235

816

1048

a)

Interest on deposits

99

153

351

378

1707

2107

707

924

b)

Interest on RBI/inter-bank borrowings

30

42

149

167

122

127

110

124

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

83

99

335

374

717

1011

492

613

a)

Payments to and provisions for employees

72

73

263

284

655

725

456

532

b)

Rent, taxes and lighting

3

5

9

9

13

17

10

10

c)

Printing and stationery

3

3

5

7

12

11

6

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

6

7

8

15

-

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

1

1

1

2

h)

Law charges

-

-

1

-

-

-

-

1

i)

Postage, telegrams, telephones, etc.

-

1

3

4

1

1

1

2

j)

Repairs and maintenance

-

4

2

2

2

2

1

1

k)

Insurance

2

2

9

4

14

21

6

10

l)

Other expenditure

2

9

37

57

10

216

11

49

V.

Provisions and contingencies

20

84

159

75

138

205

21

-

Total expenses*

212

294

835

919

2545

3245

1308

1660

VI.

Profit

8

19

105

161

514

453

- 432

- 403

Total (III+IV+V+VI)

240

397

1099

1155

3198

3904

897

1257

Note

:

*Excluding 'Provisions and Contingencies'.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.

(Amount in Rs. lakh)

For the year ended 31st March

Balia

Banaskantha

Balasore

Kshetriya

Mehsana

Bara Banki

Items

Gramya Bank

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

1998

1999

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I

Interest Earned

235

274

1786

2545

851

1179

2132

2462

a)

Interest/discount on advances/bills

188

171

418

453

337

424

321

367

b)

Income on Investments

-

-

374

2025

212

321

1235

1444

c)

Interest on balances with

46

103

-

-

295

421

530

609

RBI and other inter-bank funds

d)

Others

-

-

993

67

6

14

46

43

II.

Other income

28

26

104

259

39

73

29

35

a)

Commission, exchange and brokerage

3

4

30

24

6

7

18

23

b)

Other miscellaneous income

26

23

73

235

33

66

11

12

Total(I+II)

263

300

1889

2804

890

1252

2161

2498

Expenditure & Provisions

III.

Interest expended

568

694

1272

1547

726

900

1240

1385

a)

Interest on deposits

480

599

228

1467

621

780

1149

1300

b)

Interest on RBI/inter-bank borrowings

9

10

961

81

105

120

91

85

c)

Others

80

85

84

-

-

-

-

-

IV.

Operating expenses

383

426

446

536

356

425

499

673

a)

Payments to and provisions for employees

352

393

411

497

314

385

454

552

b)

Rent, taxes and lighting

9

10

7

8

7

8

9

10

c)

Printing and stationery

1

4

5

4

4

4

6

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

2

2

2

2

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

1

2

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

1

1

2

2

2

2

3

j)

Repairs and maintenance

1

-

-

-

1

2

1

1

k)

Insurance

3

2

-

-

-

-

1

1

l)

Other expenditure

12

13

19

23

25

21

22

96

V.

Provisions and contingencies

105

135

-

-

-

-

47

69

Total expenses*

951

1119

1718

2083

1082

1325