REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Adhiyaman

Akola Gramin

Alaknanda Gramin

Aligarh Gramin

Gramin Bank

Bank

Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I.

Interest earned

274

418

168

270

300

430

1417

2312

a)

Interest/discount on advances/bills

209

291

88

155

47

71

620

936

b)

Income on investments

3

9

-

-

84

131

345

821

c)

Interest on balances with RBI and other

61

119

67

115

169

228

452

555

inter-bank funds

d)

Others

-

-

13

-

-

-

-

-

II.

Other income

26

26

11

16

16

17

89

135

a)

Commission, exchange, brokerage, etc.

3

3

9

11

4

9

17

18

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

-

-

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

23

22

2

5

11

7

72

117

Total (I+II)

300

443

179

286

316

447

1506

2447

Expenditure & Provisions

III.

Interest expended

193

259

159

219

214

319

955

1469

a)

Interest on deposits

113

155

124

171

195

301

765

1192

b)

Interest on RBI/inter-bank borrowings

80

104

-

-

19

18

190

277

c)

Others

-

-

35

48

-

-

-

-

IV.

Operating expenses

109

115

159

175

143

216

436

527

a)

Payments to and provisions for employees

88

96

139

152

109

182

383

432

b)

Rent, taxes and lighting

3

3

5

6

4

4

12

13

c)

Printing and stationery

2

2

2

3

1

2

6

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

1

1

1

1

3

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

-

-

-

-

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

3

2

1

1

1

1

1

3

j)

Repairs and maintenance

2

2

-

-

-

-

1

2

k)

Insurance

2

1

1

4

8

11

2

6

l)

Other expenditure

7

6

9

8

17

15

26

62

V.

Provisions and contingencies

14

92

-

38

2

20

15

264

Total expenses

316

466

318

432

358

556

1405

2260

VI.

Profit (loss)

(16)

(22)

(139)

(146)

(43)

(109)

101

187

Total (III+IV+V+VI)

300

443

179

286

316

447

1506

2447

(Amount in Rs. lakh)

For the year ended 31st March

Items

Allahabad

Alwar Bharatpur

Ambala Kurukshetra

Aravali

Kshetriya Gramin

Gramin Bank

Gramin Bank

Kshetriya Gramin

Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I.

Interest earned

729

1049

485

768

445

661

273

429

a)

Interest/discount on advances/bills

302

298

119

224

203

323

134

236

b)

Income on investments

102

306

152

267

99

159

18

40

c)

Interest on balances with RBI and other

325

445

214

278

132

174

122

154

inter-bank funds

d)

Others

-

-

-

-

11

5

-

-

II.

Other income

48

68

18

22

15

17

32

38

a)

Commission, exchange, brokerage, etc.

33

47

4

5

4

4

6

11

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

-

-

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

15

21

14

17

12

14

26

27

Total (I+II)

778

1117

503

790

460

679

305

467

Expenditure & Provisions

III.

Interest expended

718

1010

484

674

342

457

327

499

a)

Interest on deposits

656

948

452

643

304

395

292

453

b)

Interest on RBI/inter-bank borrowings

62

62

32

31

38

62

34

46

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

492

585

323

352

154

165

248

263

a)

Payments to and provisions for employees

347

529

284

318

131

140

190

222

b)

Rent, taxes and lighting

12

13

7

8

5

5

7

8

c)

Printing and stationery

6

6

4

4

2

2

3

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

3

4

2

2

3

3

3

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

-

1

-

1

h)

Law charges

-

-

-

-

-

-

1

2

i)

Postage, telegrams, telephones, etc.

1

1

1

1

1

1

2

2

j)

Repairs and maintenance

2

-

-

-

-

1

2

2

k)

Insurance

95

8

9

5

2

3

23

3

l)

Other expenditure

25

23

14

12

9

10

16

16

V.

Provisions and contingencies

80

540

38

539

32

69

-

147

Total expenses

1290

2134

845

1564

528

691

575

909

VI.

Profit (loss)

(512)

(1017)

(342)

(774)

(68)

(12)

(269)

(442)

Total (III+IV+V+VI)

778

1117

503

790

460

679

305

467

(Amount in Rs. lakh)

For the year ended 31st March

Items

Arunachal Pradesh

Aurangabad Jalana

Avadh

Baitarani

Rural Bank

Gramin Bank

Gramin Bank

Gramya Bank

1996

1997

1996

1997

1996

1997

1996

1997

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I.

Interest earned

139

177

580

903

1999

2694

464

761

a)

Interest/discount on advances/bills

38

67

282

336

347

364

203

296

b)

Income on investments

22

37

280

466

1622

2299

121

246

c)

Interest on balances with RBI and other

80

73

13

23

30

30

140

219

inter-bank funds

d)

Others

-

-

5

78

-

-

-

-

II.

Other income

9

9

42

99

10

8

8

10

a)

Commission, exchange, brokerage, etc.

2

5

34

54

7

6

6

8

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

7

4

9

44

3

2

1

2

Total (I+II)

149

187

622

1002

2009

2702

471

771

Expenditure & Provisions

III.

Interest expended

76

97

328

485

1159

1530

472

670

a)

Interest on deposits

68

85

222

281

1037

1407

380

546

b)

Interest on RBI/inter-bank borrowings

8

12

106

205

122

122

91

24

c)

Others

-

-

-

-

-

-

2

-

IV.

Operating expenses

71

80

259

310

560

750

374

430

a)

Payments to and provisions for employees

59

68

190

232

511

637

344

391

b)

Rent, taxes and lighting

3

3

6

8

11

11

7

9

c)

Printing and stationery

2

3

5

10

11

10

5

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

3

4

6

6

2

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

1

1

-

-

h)

Law charges

-

-

-

-