Table 48 : Liabilities and Assets of Scheduled Commercial Banks - 1996 - 97 (Part 21 of 30)

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Table 48 : Liabilities and Assets of Scheduled Commercial Banks - 1996 - 97 (Part 21 of 30)

			REGIONAL RURAL BANKS								(Amount in Rs. lakh)
			As on 31^st March
			Langpi Dehangi		Madhubani		Magadh		Mahakaushal		Malaprabha
			Rural Bank		Kshetriya Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Gramin Bank
Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(201)	(202)	(203)	(204)	(205)	(206)	(207)	(208)	(209)	(210)
1.	Capital		71	84	75	88	595	687	75	91	712	712
			(2.8)	(2.7)	(1.5)	(1.4)	(2.4)	(2.1)	(3.4)	(2.9)	(1.9)	(1.6)

2.	Reserves and Surplus		-	-	-	-	-	-	-	-	487	79
			-	-	-	-	-	-	-	-	(1.3)	(0.2)
	2.1.	Statutory Reserves	-	-	-	-	-	-	-	-	49	79
	2.2.	Capital Reserves	-	-	-	-	-	-	-	-	-	-
	2.3.	Share Premium	-	-	-	-	-	-	-	-	-	-
	2.4.	Revenue and other Reserves	-	-	-	-	-	-	-	-	437	-
	2.5.	Balance of Profit	-	-	-	-	-	-	-	-	-	-

3.	Deposits		1883	2272	4149	5507	20495	25116	1732	2276	21930	26316
			(74.7)	(74.3)	(83.1)	(88.4)	(83.8)	(78.4)	(79.5)	(71.9)	(57.0)	(58.6)
	3.1.	Demand Deposits	190	235	128	190	749	631	99	130	365	644
		(i) From Banks	-	-	-	-	145	-	-	-	-	-
		(ii) From Others	190	235	128	190	604	631	99	130	365	644
	3.2.	Savings Deposits	997	1115	1667	2055	10724	12677	696	920	7961	9721
	3.3.	Term Deposits	696	922	2354	3263	9022	11809	937	1225	13604	15951
		(i) From Banks	-	-	-	-	-	-	-	-	-	-
		(ii) From Others	696	922	2354	3263	9022	11809	937	1225	13604	15951
	3.A.	Deposits of branches in India	1883	2272	4149	5507	20495	25116	1732	2276	21930	26316
	3.B.	Deposits of branches outside India	-	-	-	-	-	-	-	-	-	-

4.	Borrowings		173	244	196	45	905	935	44	42	13360	15285
			(6.9)	(8.0)	(3.9)	(0.7)	(3.7)	(2.9)	(2.0)	(1.3)	(34.7)	(34.0)
	4.1.	Borrowings in India	173	244	196	45	905	935	44	42	13360	15285
		(i) From Reserve Bank of India	-	-	-	-	-	-	-	-	-	-
		(ii) From other Banks	26	25	-	-	130	130	-	-	3125	3231
		(iii) From other Institutions and Agencies	147	219	196	45	775	805	44	42	10235	12054
	4.2.	Borrowings outside India	-	-	-	-	-	-	-	-	-	-

5.	Other liabilities		395	457	571	587	2472	5304	327	757	1975	2539
			(15.6)	(14.9)	(11.4)	(9.4)	(10.1)	(16.6)	(15.0)	(23.9)	(5.1)	(5.7)
	5.1.	Bills Payable	-	-	-	-	65	71	23	30	297	463
	5.2.	Inter-office Adjustments	9	-	-	-	627	732	-	-	129	278
	5.3.	Interest Accrued	131	183	5	-	30	37	93	140	409	213
	5.4.	Others (including provisions)	255	273	566	587	1750	4464	211	587	1140	1584
		Total Liabilities	2522	3057	4992	6227	24467	32042	2177	3165	38463	44930
			(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

			REGIONAL RURAL BANKS								(Amount in Rs. lakh)
			As on 31st March
			Langpi Dehangi		Madhubani		Magadh		Mahakaushal		Malaprabha
			Rural Bank		Kshetriya Gramin Bank		Gramin Bank		Kshetriya Gramin Bank		Gramin Bank
Items			1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
			(201)	(202)	(203)	(204)	(205)	(206)	(207)	(208)	(209)	(210)
1.	Cash in hand		13	14	45	50	281	348	56	92	744	728
			(0.5)	(0.5)	(0.9)	(0.8)	(1.1)	(1.1)	(2.6)	(2.9)	(1.9)	(1.6)
2.	Balances with RBI		71	71	127	167	630	766	54	73	677	812
			(2.8)	(2.3)	(2.6)	(2.7)	(2.6)	(2.4)	(2.5)	(2.3)	(1.8)	(1.8)
3.	Balances with banks in India		67	122	1041	1632	5816	6909	558	837	8086	9762
			(2.6)	(4.0)	(20.9)	(26.2)	(23.8)	(21.6)	(25.6)	(26.4)	(21.0)	(21.7)
4.	Money at call and short notice		500	448	-	-	-	-	-	-	-	-
			(19.8)	(14.7)	-	-	-	-	-	-	-	-
5.	Balances with banks outside India		-	-	-	-	-	-	-	-	-	-
6.	Investments		187	400	-	-	-	-	-	-	-	-
			(7.4)	(13.1)	-	-	7148	10496	-	-	2141	5843
	6.A.	Investments in India	187	400	-	-	(29.2)	(32.8)	-	-	(5.6)	(13.0)
		(i) Government securities	-	-	-	-	7148	10496	-	-	2141	5843
		(ii) Other approved securities	-	-	-	-	1000	1000	-	-	515	515
		(iii) Shares	-	-	-	-	-	-	-	-	226	130
		(iv) Debentures and Bonds	187	400	-	-	-	-	-	-	-	-
		(v) Subsidiaries and joint ventures	-	-	-	-	2277	7737	-	-	-	-
		(vi) Others	-	-	-	-	-	-	-	-	-	-
	6.B.	Investments outside India	-	-	-	-	3871	1759	-	-	1400	5198
		(i) Government securities	-	-	-	-	-	-	-	-	-	-
		(ii) Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
		(iii) Others	-	-	-	-	-	-	-	-	-	-
7.	Advances		649	693	1624	1471	8218	8805	676	810	24976	25193
			(25.7)	(22.7)	(32.5)	(23.6)	(33.6)	(27.5)	(31.0)	(25.6)	(64.9)	(56.1)
	7.1.	Bills purchased and discounted	-	-	-	-	85	10	8	13	34	40
	7.2.	Cash credits, overdrafts & loans	217	240	140	187	475	672	93	116	4243	9142
	7.3.	Term loans	432	453	1484	1284	7658	8124	574	681	20699	16011
8.	Fixed Assets		6	8	9	9	41	42	11	8	145	155
			(0.2)	(0.3)	(0.2)	(0.1)	(0.2)	(0.1)	(0.5)	(0.2)	(0.4)	(0.3)
	8.1.	Premises	-	-	-	-	-	-	-	-	73	77
	8.2.	Other Fixed assets	6	8	9	9	41	42	11	8	72	77
9.	Other Assets		1029	1301	2145	2898	2333	4675	822	1345	1695	2438
			(40.8)	(42.6)	(43.0)	(46.5)	(9.5)	(14.6)	(37.8)	(42.5)	(4.4)	(5.4)
	9.1.	Inter - office adjustments (net)	-	1	19	20	-	-	12	11	-	-
	9.2.	Interest accrued	25	50	40	76	845	1182	3	4	119	209
	9.3.	Tax paid	-	-	-	-	-	-	-	-	-	-
	9.4.	Stationery and Stamps	5	6	2	3	4	5	2	3	41	48
	9.5.	Others	999	1244	2085	2800	1484	3487	806	1328	1535	2181
	Total Assets		2522	3057	4992	6227	24467	32042	2177	3165	38463	44930
			(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


				REGIONAL RURAL BANKS							(Amount in Rs. lakh)
				As on 31st March
				Mallabhum		Malwa		Mandla		Manipur		Manjira
				Gramin Bank		Gramin Bank		Balaghat Kshetriya		Rural Bank		Gramin Bank
								Gramin Bank
Items				1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
				(211)	(212)	(213)	(214)	(215)	(216)	(217)	(218)	(219)	(220)
1.	Capital			75	100	75	100	75	100	665	665	75	100
				(0.3)	(0.3)	(1.4)	(1.5)	(2.1)	(2.0)	(35.1)	(26.5)	(0.7)	(0.7)
2.	Reserves and Surplus			37	37	100	250	1	1	1	1	-85	-329
				(0.1)	(0.1)	(1.9)	(3.8)	-	-	(0.1)	-	-	(-2.4)
	2.1.	Statutory Reserves		1	1	-	-	1	1	1	1	60	60
	2.2.	Capital Reserves		-	-	-	-	-	-	-	-	-	-
	2.3.	Share Premium		-	-	-	-	-	-	-	-	-	113
	2.4.	Revenue and other Reserves		35	35	100	250	-	-	-	-	120	349
	2.5.	Balance of Profit		-	-	-	-	-	-	-	-	-265	-851

3.	Deposits			21694	27599	3472	4167	3055	4182	791	1029	5460	7251
				(84.8)	(83.6)	(64.7)	(63.1)	(83.6)	(85.3)	(41.7)	(41.1)	(51.0)	(53.3)
	3.1.	Demand Deposits		159	250	281	204	590	727	79	133	189	289
		(i)	From Banks	-	-	-	6	-	-	-	-	-	-
		(ii)	From Others	159	250	281	198	590	727	79	133	189	289
	3.2.	Savings Deposits		9626	10432	1322	1601	1125	1584	269	311	1568	2188
	3.3.	Term Deposits		11908	16917	1869	2362	1340	1871	444	585	3703	4774
		(i)	From Banks	-	-	-	-	-	-	-	-	-	-
		(ii)	From Others	11908	16917	1869	2362	1340	1871	444	585	3703	4774
	3.A.	Deposits of branches in India		21694	27599	3472	4167	3055	4182	791	1029	5460	7251
	3.B.	Deposits of branches outside India		-	-	-	-	-	-	-	-	-	-

4.	Borrowings			1836	2195	1390	1626	17	77	307	340	3359	3949
				(7.2)	(6.7)	(25.9)	(24.6)	(0.5)	(1.6)	(16.2)	(13.6)	(31.4)	(29.0)
	4.1.	Borrowings in India		1836	2195	1390	1626	17	77	307	340	3359	3949
		(i)	From Reserve Bank of India	-	-	-	-	-	-	-	-	-	-
		(ii)	From other Banks	-	-	245	336	17	77	307	340	791	958
		(iii)	From other Institutions and Agencies	1836	2195	1146	1291	-	-	-	-	2568	2991
	4.2.	Borrowings outside India		-	-	-	-	-	-	-	-	-	-

5.	Other liabilities			1929	3069	329	463	508	543	131	471	1899	2627
				(7.5)	(9.3)	(6.1)	(7.0)	(13.9)	(11.1)	(6.9)	(18.8)	(17.7)	(19.3)
	5.1.	Bills Payable		-	-	4	2	-	-	2	2	1008	1507
	5.2.	Inter-office Adjustments		81	15	-	-	-	-	1	-	-	774
	5.3.	Interest Accrued		73	95	152	243	-	-	102	120	582	-
	5.4.	Others (including provisions)		1775	2959	173	218	508	543	27	349	309	346

		Total Liabilities		25570	33000	5366	6606	3655	4903	1896	2506	10707	13598
				(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)


		REGIONAL RURAL BANKS							(Amount in Rs. lakh)
		As on 31st March
		Mallabhum		Malwa		Mandla		Manipur		Manjira
		Gramin Bank		Gramin Bank		Balaghat Kshetriya		Rural Bank		Gramin Bank
						Gramin Bank
Items		1996	1997	1996	1997	1996	1997	1996	1997	1996	1997
		(211)	(212)	(213)	(214)	(215)	(216)	(217)	(218)	(219)	(220)
1.	Cash in hand	193	256	33	32	76	123	11	21	75	170
		(0.8)	(0.8)	(0.6)	(0.5)	(2.1)	(2.5)	(0.6)	(0.8)	(0.7)	(1.2)
2.	Balances with RBI	645	860	105	131	77	103	22	28	191	240
		(2.5)	(2.6)	(2.0)	(2.0)	(2.1)	(2.1)	(1.2)	(1.1)	(1.8)	(1.8)
3.	Balances with banks in India	967	483	1748	2329	454	1168	127	70	1732	2817
		(3.8)	(1.5)	(32.6)	(35.3)	(12.4)	(23.8)	(6.7)	(2.8)	(16.2)	(20.7)
4.	Money at call and short notice	4993	6853	-	-	1017	866	737	855	-	-
		(19.5)	(20.8)	-	-	(27.8)	(17.7)	(38.9)	(34.1)	-	-
5.	Balances with banks outside India	-	-	-	-	-	-	-	-	-	-
6.	Investments	4771	7469	800	900	-	-	9	94	1091	1502
		(18.7)	(22.6)	(14.9)	(13.6)	-	-	(0.5)	(3.7)	(10.2)	(11.0)

6.A.

Investments in India

4771

7469

800

900

1091

1502

(i)	Government securities	-	7369	600	600	-	-	-	-	451	452
(ii)	Other approved securities	1000	100	-	-	-	-	9	14	-	-
(iii)	Shares	-	-	-	-	-	-	-	-	-	-
(iv)	Debentures and Bonds	3771	-	200	300	-	-	-	80	225	625
(v)	Subsidiaries and joint ventures	-	-	-	-	-	-	-	-	-	-
(vi)	Others	-	-	-	-	-	-	-	-	415	425

6.B.

Investments outside India

(i)

Government securities

(ii)

Subsidiaries and joint ventures

(iii)

Others

7.	Advances				9598	10653		2434	2815		781	1060		409	512		6463	7127
					(37.5)	(32.3)		(45.4)	(42.6)		(21.4)	(21.6)		(21.6)	(20.4)		(60.4)	(52.4)

7.1.	Bills purchased and discounted	-	-	-	1	-	-	-	1	-	-
7.2.	Cash credits, overdrafts & loans	55	88	1399	1650	78	108	24	29	4422	5090
7.3.	Term loans	9543	10565	1035	1164	703	951	385	483	2041	2037

8.	Fixed Assets				36	36		11	13		5	5		5	5		37	46
					(0.1)	(0.1)		(0.2)	(0.2)		(0.1)	(0.1)		(0.3)	(0.2)		(0.3)	(0.3)

	8.1.	Premises			-	-		14	13		-	-		-	-		-	-
	8.2.	Other Fixed assets			36	36		-3	-		5	5		5	5		37	46

9.	Other Assets				4367	6389		235	387		1245	1578		576	922		1119	1697
					(17.1)	(19.4)		(4.4)	(5.9)		(34.1)	(32.2)		(30.4)	(36.8)		(10.5)	(12.5)

9.1.	Inter - office adjustments (net)	-	-	4	7	169	187	-	6	882	1418
9.2.	Interest accrued	544	1197	225	370	4	41	-	-	139	247
9.3.	Tax paid	-	-	-	1	-	-	-	-	-	-
9.4.	Stationery and Stamps	9	14	1	1	3	3	3	5	14	17
9.5.	Others	3814	5179	5	8	1069	1347	572	911	84	15


Total Assets	25570	33000	5366	6606	3655	4903	1896	2506	10707	13598
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)