REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Surguja Kshetriya

Thane

Thar Anchalik

Tripura

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(361)

(362)

(363)

(364)

(365)

(366)

(367)

(368)

Income

I.

Interest earned

336

617

254

403

220

444

525

746

a)

Interest/discount on advances/bills

84

147

28

40

98

215

124

133

b)

Income on investments

-

1

94

239

-

43

60

259

c)

Interest on balances with RBI and other

252

469

129

124

123

186

341

354

inter-bank funds

d)

Others

-

-

3

-

-

-

-

-

II.

Other income

17

13

11

10

28

76

24

26

a)

Commission, exchange, brokerage, etc.

13

12

3

4

6

7

24

26

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

4

1

8

5

22

69

-

-

Total (I+II)

353

630

265

412

248

520

549

772

Expenditure & Provisions

III.

Interest expended

385

589

110

182

244

363

841

1148

a)

Interest on deposits

366

569

103

174

226

336

643

956

b)

Interest on RBI/inter-bank borrowings

-

-

7

8

18

27

198

192

c)

Others

18

19

-

-

-

-

-

-

IV.

Operating expenses

330

341

100

93

247

255

689

753

a)

Payments to and provisions for employees

273

299

78

73

211

227

636

692

b)

Rent, taxes and lighting

5

6

3

3

4

4

16

17

c)

Printing and stationery

3

4

2

4

2

4

6

7

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

4

3

2

2

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

-

-

1

1

h)

Law charges

-

-

-

-

-

-

1

1

i)

Postage, telegrams, telephones, etc.

-

1

-

1

1

2

2

3

j)

Repairs and maintenance

1

1

1

3

-

-

2

2

k)

Insurance

38

17

2

1

15

2

1

1

l)

Other expenditure

7

11

30

5

11

14

20

26

V.

Provisions and contingencies

642

(114)

21

56

1165

-

971

2801

Total expenses

1356

815

231

332

1656

618

2501

4702

VI.

Profit (loss)

(1003)

(185)

34

81

(1407)

(98)

(1952)

(3930)

Total (III+IV+V+VI)

353

630

265

412

248

520

549

772

(Amount in Rs. lakh)

For the year ended 31 March

Tulsi

Tungabhadra

Uttar Banga Kshetriya

Vaishali Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(369)

(370)

(371)

(372)

(373)

(374)

(375)

(376)

Income

I.

Interest earned

444

703

3018

4090

773

1082

731

1191

a)

Interest/discount on advances/bills

131

226

1576

2334

222

371

133

211

b)

Income on investments

310

474

665

1173

114

175

-

-

c)

Interest on balances with RBI and other

4

3

30

13

437

537

598

979

inter-bank funds

d)

Others

-

-

747

570

-

-

-

-

II.

Other income

22

37

254

315

122

152

11

12

a)

Commission, exchange, brokerage, etc.

21

37

77

91

94

105

11

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

-

-

1

-

-

(2)

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

-

1

176

224

28

49

-

1

Total (I+II)

466

740

3271

4405

895

1235

742

1203

Expenditure & Provisions

III.

Interest expended

404

547

1823

2054

722

957

990

1329

a)

Interest on deposits

352

502

1208

1344

653

896

923

1287

b)

Interest on RBI/inter-bank borrowings

51

45

615

711

69

61

66

43

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

388

454

1072

1094

645

720

815

832

a)

Payments to and provisions for employees

332

394

947

965

501

578

704

770

b)

Rent, taxes and lighting

5

6

19

21

10

12

10

11

c)

Printing and stationery

3

6

12

15

4

6

5

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

7

10

4

4

2

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

2

2

1

2

1

2

h)

Law charges

1

-

-

-

1

-

-

-

i)

Postage, telegrams, telephones, etc.

2

2

13

13

2

2

1

2

j)

Repairs and maintenance

1

1

2

3

-

-

-

-

k)

Insurance

38

6

1

1

3

8

71

16

l)

Other expenditure

3

36

67

65

118

108

18

21

V.

Provisions and contingencies

1401

652

101

507

86

1662

465

828

Total expenses

2192

1653

2996

3656

1454

3338

2269

2990

VI.

Profit (loss)

(1726)

(912)

276

749

(559)

(2104)

(1528)

(1787)

Total (III+IV+V+VI)

466

740

3271

4405

895

1235

742

1203

(Amount in Rs. lakh)

For the year ended 31st March

Vallalar

Valsad-Dangs

Varada

Vidisha Bhopal

Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(377)

(378)

(379)

(380)

(381)

(382)

(383)

(384)

Income

I.

Interest earned

328

479

396

553

344

635

115

240

a)

Interest/discount on advances/bills

200

283

150

199

257

416

48

136

b)

Income on investments

4

12

85

110

76

205

19

30

c)

Interest on balances with RBI and other

124

185

161

244

10

14

48

74

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

42

36

12

29

43

47

7

12

a)

Commission, exchange, brokerage, etc.

5

5

6

9

2

4

6

10

b)

Net profit (loss) on sale of investments

-

-

-

-

-

-

-

-

c)

Net profit (loss) on revaluation of investments

-

-

-

-

3

-

-

-

d)

Net profit (loss) on sale of land, building

-

-

1

-

-

1

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

37

31

5

19

37

42

1

1

Total (I+II)

370

515

408

581

386

682

123

252

Expenditure & Provisions

III.

Interest expended

180

246

254

340

214

391

112

201

a)

Interest on deposits

92

138

190

264

144

251

104

189

b)

Interest on RBI/inter-bank borrowings

44

61

5

76

7

17

8

12

c)

Others

44

47

58

-

63

123

-

-

IV.

Operating expenses

88

92

151

147

110

142

85

96

a)

Payments to and provisions for employees

76

79

108

122

98

126

56

60

b)

Rent, taxes and lighting

3

3

4

5

2

3

5

6

c)

Printing and stationery

2

2

2

2

2

3

4

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

2

2

1

3

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

1

-

-

-

-

-

-

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

2

1

1

1

2

2

2

j)

Repairs and maintenance

1

-