(Amount in Rs. lakh)

For the year ended March 31

Bhilwara-Ajmer

Bhojpur Rohtas

Bijapur

Bikaner Kshetriya

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

2001

2002

2001

2002

2001

2002

2001

2002

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

Income

I. Interest Earned

1698

1979

5614

5861

3919

4193

454

492

a) Interest/discount on advances/bills

876

1063

1003

1087

2467

2737

282

290

b) Income on Investments

201

260

3265

3402

548

742

171

198

c) Interest on balances with

621

657

1346

1373

904

715

1

3

RBI and other inter-bank funds

d) Others

-

-

-

-

-

-

-

-

II. Other income

78

94

530

2362

216

306

28

30

a) Commission, exchange and brokerage

35

41

11

14

37

39

13

17

b) Other miscellaneous income

43

52

519

2348

178

267

15

13

Total (I+II)

1777

2073

6144

8223

4135

4499

482

522

Expenditure & Provisions

III. Interest expended

1071

1175

3685

4215

2157

2333

340

341

a) Interest on deposits

912

992

3486

4037

1759

1930

268

277

b) Interest on RBI/inter-bank borrowings

159

183

199

179

67

54

2

3

c) Others

-

-

-

-

331

349

69

61

IV. Operating expenses

413

637

1329

1693

789

908

126

154

a) Payments to and provisions for employees

360

579

1197

1560

676

770

110

137

b) Rent, taxes and lighting

12

13

20

23

12

13

3

3

c) Printing and stationery

5

5

20

13

11

12

1

1

d) Advertisement and publicity

-

-

-

-

-

-

-

-

e) Depreciation on Bank's property

5

4

11

13

17

18

2

2

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g) Auditors' fees and expenses

2

2

5

3

3

3

1

1

h) Law charges

1

-

1

2

2

2

-

-

i) Postage, telegrams, telephones, etc.

5

6

9

11

8

10

1

2

j) Repairs and maintenance

4

5

3

3

1

1

-

-

k) Insurance

7

9

27

30

-

-

2

2

l) Other expenditure

11

13

36

35

60

79

5

5

V. Provisions and contingencies

74

-

112

1142

1

-

6

-2

Total expenses*

1485

1812

5015

5908

2947

3241

465

495

VI. Profit /loss

218

261

1018

1173

1188

1258

11

29

Total (III+IV+V+VI)

1777

2073

6144

8223

4135

4499

482

522

(Amount in Rs. lakh)

For the year ended March 31

Bilaspur Raipur

Bolangir Anchalik

Buldhana

Bundelkhand

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya

Gramin Bank

Items

2001

2002

2001

2002

2001

2002

2001

2002

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

Income

I. Interest Earned

2591

3026

1913

2064

621

765

2362

2622

a) Interest/discount on advances/bills

555

702

860

960

454

592

589

640

b) Income on Investments

170

144

118

173

29

39

67

52

c) Interest on balances with

1866

2180

935

931

138

134

1706

1930

RBI and other inter-bank funds

d) Others

-

-

-

-

-

-

-

-

II. Other income

55

227

371

630

37

48

45

47

a) Commission, exchange and brokerage

44

78

45

51

31

33

42

47

b) Other miscellaneous income

11

148

326

579

6

15

3

-

Total (I+II)

2646

3253

2284

2694

658

813

2407

2669

Expenditure & Provisions

III. Interest expended

1833

2107

1858

2197

328

403

1530

1676

a) Interest on deposits

1726

2000

1627

1926

261

325

1469

1618

b) Interest on RBI/inter-bank borrowings

107

107

231

271

-

-

61

58

c) Others

-

-

-

-

66

77

-

-

IV. Operating expenses

903

1251

1135

1126

137

193

626

807

a) Payments to and provisions for employees

823

1114

1044

1018

103

150

577

815

b) Rent, taxes and lighting

18

22

27

30

8

8

10

11

c) Printing and stationery

9

13

10

10

3

3

6

6

d) Advertisement and publicity

-

-

-

-

-

-

-

-

e) Depreciation on Bank's property

2

4

5

5

5

7

2

2

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g) Auditors' fees and expenses

2

3

3

3

1

-

2

2

h) Law charges

1

-

-

1

-

-

1

-1

i) Postage, telegrams, telephones, etc.

5

7

5

8

2

2

1

-

j) Repairs and maintenance

1

1

2

3

1

1

1

1

k) Insurance

5

14

10

13

2

2

9

10

l) Other expenditure

37

73

29

36

12

18

17

-38

V. Provisions and contingencies

141

109

-

-

70

20

-

7

Total expenses*

2735

3358

2993

3323

464

595

2156

2483

VI. Profit /loss

-231

-214

-708

-629

125

197

250

179

Total (III+IV+V+VI)

2646

3253

2284

2694

658

813

2407

2669

(Amount in Rs. lakh)

For the year ended March 31

Bundi-Chittor Kshetriya

Cachar

Cauvery

Chaitanya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

2001

2002

2001

2002

2001

2002

2001

2002

Items

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

Income

I. Interest Earned

1588

1780

1105

1266

2853

3396

1859

2361

a) Interest/discount on advances/bills

822

936

284

324

1807

2201

1163

1380

b) Income on Investments

187

218

435

425

439

539

226

456

c) Interest on balances with

579

627

110

101

606

656

470

524

RBI and other inter-bank funds

d) Others

-

-

276

416

-

656

-

-

II. Other income

48

69

53

68

299

500

113

113

a) Commission, exchange and brokerage

11

15

28

36

168

202

48

48

b) Other miscellaneous income

36

54

25

32

131

298

65

66

Total (I+II)

1635

1849

1159

1334

3151

3896

1972

2474

Expenditure & Provisions

III. Interest expended

1140

1226

683

820

2042

2198

1272

1571

a) Interest on deposits

939

1031

656

791

1724

1923

1064

1300

b) Interest on RBI/inter-bank borrowings

10

176

26

29

317

275

65

88

c) Others

191

20

1

-

-

-

143

183

IV. Operating expenses

392

516

284

334

817

1033

461

530

a) Payments to and provisions for employees

349

468

219

281

729

926

383

451

b) Rent, taxes and lighting

10

11

10

10

19

23

14

15

c) Printing and stationery

4

5

5

6

11

13

8

11

d) Advertisement and publicity

-

-

-

-

-

-

-

-

e) Depreciation on Bank's property

2

3

2

2

6

6

7

8

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g) Auditors' fees and expenses

2

2

1

1

3

3

1

2

h) Law charges

-

-

-

-

-

1

-

1

i) Postage, telegrams, telephones, etc.

3

4

2

3

10

14

5

5

j) Repairs and maintenance

1

1

1

1

2

2

3

3

k) Insurance

6

7

-

-

1

-

8

11

l) Other expenditure

15

16

43

30

35

45

31

23

V. Provisions and contingencies

26

37

-

-

95

-

73

72

Total expenses*

1532

1742

967

1154

2858

3231

1733

2101

VI. Profit /loss

77

69

192

180

197

666

166

301

Total (III+IV+V+VI)

1635

1849

1159

1334

3151

3896

1972

2474

(Amount in Rs. lakh)

For the year ended March 31

Chambal Kshetriya

Champaran

Chandrapur Gadchiroli

Chhatrasal

Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

2001

2002

2001

2002

2001

2002

2001

2002

Items

(73)

(74)

(75)

(76)

(77)

(78)

(79)

(80)

Income

I. Interest Earned

1346

1607

1833

2370

1239

1377

1628

1956

a) Interest/discount on advances/bills

617

691

710

937

471

616

425

733

b) Income on Investments

98

140

18

8

317

349

403

470

c) Interest on balances with

631

776

1105

1425

452

412

800

753

RBI and other inter-bank funds

d) Others

-

-

-

-

-

-

-

-

II. Other income

53

49

174

393

47

55

68

96

a) Commission, exchange and brokerage

34

34

12

65

16

17

67

96

b) Other miscellaneous income

19

16

162

327

31

38

1

-

Total (I+II)

1399

1656

2007

2763

1287

1432

1696

2052

Expenditure & Provisions

III. Interest expended

990

1146

1590

1817

816

873

938

1051

a) Interest on deposits

886

1037

1486

1660

775

828

867

988

b) Interest on RBI/inter-bank borrowings

104

108

-

-

10

7

71

62

c) Others

-

-

103

158

31

38

-

-

IV. Operating expenses

251

318

900

909

398

467

483

688

a) Payments to and provisions for employees

203

265

849

845

300

376

433

618

b) Rent, taxes and lighting

11

13

14

17

9

11

10

12

c) Printing and stationery

3

4

5

6

4

4

7

9

d) Advertisement and publicity

-

-

-

-

-

-

-

1

e) Depreciation on Bank's property

6

11

2

3

2

5

5

6

f) Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g) Auditors' fees and expenses

1

1

2

3

1

2

2

2

h) Law charges

-

-

-

-

1

1

1

-

i) Postage, telegrams, telephones, etc.

2

2

2

2

1

2

5

7

j) Repairs and maintenance

1

1

1

2

1

1

1

1

k) Insurance

8

8

11

14

1

1

8

11

l) Other expenditure

16

14

13

17

78

64

11

20

V. Provisions and contingencies

55

51

14

20

-

-10

18

32

Total expenses*

1240

1464

2490

2726

1213

1340

1421

1738

VI. Profit /loss

104

141

-497

17

73

102

257

282

Total (III+IV+V+VI)

1399

1656

2007

2763

1287

1432

1696

2052

(Amount in Rs. lakh)

For the year ended March 31

Chhindwara Seoni

Chikmagalur Kodagu

Chitradurga

Cuttack

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Gramya Bank

2001

2002

2001

2002

2001

2002

2001

2002

Items

(81)

(82)

(83)

(84)

(85)

(86)

(87)

(88)

Income

I. Interest Earned

1206

1382

1338

1401

2677

2939

3012

3599

a) Interest/discount on advances/bills

503

592

895

870

1734

1953

973

1337

b) Income on Investments

70

765

123

134

428

565

497

826

c) Interest on balances with

633

24

320

397

514

380

1543

1437

RBI and other inter-bank funds

d) Others

-

-

-

-

1

40

-

-

II. Other income

47

111

61

46

129

352

438

575

a) Commission, exchange and brokerage

38

44

13

13

27

32

45

34

b) Other miscellaneous income

9

67

48

33

102

319

393

541

Total (I+II)

1253

1493

1399

1446

2807

3290

3450

4174

Expenditure & Provisions

III. Interest expended

793

881

794

843

1629

1798

2587

2935

a) Interest on deposits

771

848

621

684

1253

1448

2435

2706

b) Interest on RBI/inter-bank borrowings

22

33

172

158

-

351

152

229

c) Others

-

-

-

-

376

-

-

-

IV. Operating expenses

371

488

336

390

686

941

1073

2238

a) Payments to and provisions for employees

325

420

302

347

600

833

927