Table 49 : Liabilities and Assets of Regional Rural Banks : 1999 and 2000 (Part 6 of 13) - ಆರ್ಬಿಐ - Reserve Bank of India
Table 49 : Liabilities and Assets of Regional Rural Banks : 1999 and 2000
(Part 6 of 13)
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Indore Ujjain |
Jaipur Nagaur Anchalik |
Jammu Rural |
|||||
Gramin Bank |
Gramin Bank |
Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(151) |
(152) |
(153) |
(154) |
(155) |
(156) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(1.5) |
(1.3) |
(0.3) |
(0.2) |
(0.4) |
(0.3) |
|||
2. |
Reserves and Surplus |
528 |
528 |
1085 |
1162 |
1703 |
2235 |
|
(8.0) |
(6.7) |
(3.0) |
(2.9) |
(6.0) |
(6.2) |
|||
3. |
Deposits |
4941 |
6094 |
28674 |
31424 |
22356 |
27655 |
|
(74.5) |
(76.8) |
(79.7) |
(78.3) |
(78.6) |
(77.2) |
|||
3.1. |
Demand deposits |
268 |
383 |
1608 |
1619 |
743 |
832 |
|
3.2. |
Savings bank deposits |
1418 |
1601 |
10801 |
10890 |
8197 |
9864 |
|
3.3. |
Term deposits |
3255 |
4110 |
16265 |
18915 |
13415 |
16958 |
|
4. |
Borrowings |
721 |
903 |
1772 |
2580 |
1275 |
1531 |
|
(10.9) |
(11.4) |
(4.9) |
(6.4) |
(4.5) |
(4.3) |
|||
4.1. |
From banks* |
|
34 |
|
35 |
|
10 |
|
4.2. |
From others |
721 |
869 |
1772 |
2546 |
1275 |
1521 |
|
5. |
Other liabilities |
338 |
314 |
4361 |
4858 |
3003 |
4282 |
|
(5.1) |
(4.0) |
(12.1) |
(12.1) |
(10.6) |
(12.0) |
|||
5.1. |
Bills Payable |
24 |
36 |
555 |
105 |
27 |
28 |
|
5.2. |
Inter-office adjustments |
11 |
6 |
|
58 |
60 |
41 |
|
5.3. |
Interest accrued |
12 |
14 |
2725 |
3769 |
2433 |
3668 |
|
|
5.4. |
Others (including provisions) |
291 |
259 |
1081 |
925 |
483 |
545 |
|
Total Liabilities |
6628 |
7939 |
35992 |
40124 |
28437 |
35803 |
|
1. |
Cash in hand |
53 |
46 |
950 |
669 |
181 |
228 |
|
(0.8) |
(0.6) |
(2.6) |
(1.7) |
(0.6) |
(0.6) |
|||
2. |
Balances with RBI |
159 |
180 |
1020 |
1116 |
740 |
892 |
|
(2.4) |
(2.3) |
(2.8) |
(2.8) |
(2.6) |
(2.5) |
|||
3. |
Balances with banks in India |
2134 |
3175 |
11769 |
12904 |
22430 |
29060 |
|
(32.2) |
(40.0) |
(32.7) |
(32.2) |
(78.9) |
(81.2) |
|||
4. |
Money at call and short notice |
|
|
|
|
|
|
|
() |
() |
() |
() |
() |
() |
|||
5. |
Investments |
1193 |
1085 |
13146 |
14446 |
14 |
|
|
(18.0) |
(13.7) |
(36.5) |
(36.0) |
() |
() |
|||
6. |
Advances |
2469 |
2904 |
6661 |
8975 |
4152 |
4705 |
|
(37.3) |
(36.6) |
(18.5) |
(22.4) |
(14.6) |
(13.1) |
|||
6.1. |
Bills purchased and discounted |
|
|
10 |
23 |
111 |
143 |
|
6.2. |
Cash credits, overdrafts & loans |
662 |
768 |
1875 |
2361 |
173 |
212 |
|
6.3. |
Term loans |
1808 |
2136 |
4777 |
6591 |
3868 |
4349 |
|
7. |
Fixed Assets |
17 |
15 |
16 |
18 |
47 |
55 |
|
(0.2) |
(0.2) |
() |
() |
(0.2) |
(0.2) |
|||
8. |
Other Assets |
603 |
533 |
2431 |
1996 |
874 |
863 |
|
(9.1) |
(6.7) |
(6.8) |
(5.0) |
(3.1) |
(2.4) |
|||
8.1. |
Inter - office adjustments (net) |
|
|
15 |
|
|
|
|
8.2. |
Interest accrued |
54 |
89 |
1529 |
1895 |
850 |
840 |
|
|
8.3. |
Others |
549 |
444 |
887 |
101 |
23 |
23 |
Total Assets |
6628 |
7939 |
35992 |
40124 |
28437 |
35803 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Jamnagar |
Jamuna |
Jhbua Dhar Kshetriya |
|||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(157) |
(158) |
(159) |
(160) |
(161) |
(162) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(0.8) |
(0.6) |
(0.6) |
(0.6) |
(0.7) |
(0.5) |
|||
2. |
Reserves and Surplus |
1101 |
1101 |
948 |
994 |
|
528 |
|
(8.4) |
(7.0) |
(5.6) |
(5.7) |
() |
(2.9) |
|||
3. |
Deposits |
8556 |
10094 |
13066 |
13895 |
12361 |
14705 |
|
(65.0) |
(64.5) |
(77.7) |
(79.8) |
(82.3) |
(80.2) |
|||
3.1. |
Demand deposits |
58 |
65 |
743 |
287 |
546 |
579 |
|
3.2. |
Savings bank deposits |
2829 |
3079 |
3824 |
4379 |
4644 |
5136 |
|
3.3. |
Term deposits |
5669 |
6950 |
8499 |
9229 |
7172 |
8989 |
|
4. |
Borrowings |
2344 |
2735 |
1674 |
1654 |
1757 |
2215 |
|
(17.8) |
(17.5) |
(10.0) |
(9.5) |
(11.7) |
(12.1) |
|||
4.1. |
From banks* |
553 |
718 |
223 |
258 |
|
|
|
4.2. |
From others |
1792 |
2016 |
1452 |
1396 |
1757 |
2215 |
|
5. |
Other liabilities |
1061 |
1614 |
1073 |
773 |
810 |
789 |
|
(8.1) |
(10.3) |
(6.4) |
(4.4) |
(5.4) |
(4.3) |
|||
5.1. |
Bills Payable |
|
|
103 |
16 |
9 |
2 |
|
5.2. |
Inter-office adjustments |
4 |
10 |
679 |
421 |
148 |
52 |
|
5.3. |
Interest accrued |
932 |
1472 |
28 |
52 |
76 |
82 |
|
|
5.4. |
Others (including provisions) |
125 |
132 |
264 |
284 |
577 |
653 |
|
Total Liabilities |
13162 |
15643 |
16824 |
17416 |
15028 |
18337 |
|
1. |
Cash in hand |
72 |
56 |
715 |
427 |
344 |
261 |
|
(0.5) |
(0.4) |
(4.2) |
(2.5) |
(2.3) |
(1.4) |
|||
2. |
Balances with RBI |
278 |
364 |
360 |
384 |
360 |
430 |
|
(2.1) |
(2.3) |
(2.1) |
(2.2) |
(2.4) |
(2.3) |
|||
3. |
Balances with banks in India |
4416 |
4335 |
7725 |
8200 |
4746 |
6578 |
|
(33.5) |
(27.7) |
(45.9) |
(47.1) |
(31.6) |
(35.9) |
|||
4. |
Money at call and short notice |
|
|
|
|
|
|
|
() |
() |
() |
() |
() |
() |
|||
5. |
Investments |
2351 |
3607 |
2423 |
3132 |
618 |
643 |
|
(17.9) |
(23.1) |
(14.4) |
(18.0) |
(4.1) |
(3.5) |
|||
6. |
Advances |
4224 |
5857 |
5026 |
4816 |
5613 |
6927 |
|
(32.1) |
(37.4) |
(29.9) |
(27.7) |
(37.4) |
(37.8) |
|||
6.1. |
Bills purchased and discounted |
2 |
2 |
13 |
6 |
1 |
4 |
|
6.2. |
Cash credits, overdrafts & loans |
3254 |
4489 |
953 |
963 |
127 |
128 |
|
6.3. |
Term loans |
968 |
1365 |
4060 |
3846 |
5485 |
6794 |
|
7. |
Fixed Assets |
8 |
15 |
23 |
21 |
15 |
21 |
|
(0.1) |
(0.1) |
(0.1) |
(0.1) |
(0.1) |
(0.1) |
|||
8. |
Other Assets |
1814 |
1410 |
553 |
436 |
3333 |
3477 |
|
(13.8) |
(9.0) |
(3.3) |
(2.5) |
(22.2) |
(19.0) |
|||
8.1. |
Inter - office adjustments (net) |
1018 |
|
|
|
|
|
|
8.2. |
Interest accrued |
|
902 |
225 |
283 |
|
|
|
|
8.3. |
Others |
796 |
509 |
328 |
154 |
3333 |
3477 |
Total Assets |
13162 |
15643 |
16824 |
17416 |
15028 |
18337 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Junagadh Amreli |
Ka Bank |
Kakathiya |
|||||
Gramin Bank |
Nongkyndong |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(163) |
(164) |
(165) |
(166) |
(167) |
(168) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(1.4) |
(1.2) |
(0.9) |
(0.8) |
(1.0) |
(0.7) |
|||
2. |
Reserves and Surplus |
464 |
464 |
917 |
1261 |
910 |
938 |
|
(6.5) |
(5.7) |
(8.5) |
(9.9) |
(8.7) |
(7.0) |
|||
3. |
Deposits |
4769 |
5621 |
8175 |
9897 |
6623 |
8939 |
|
(67.2) |
(68.7) |
(75.9) |
(77.4) |
(63.0) |
(66.9) |
|||
3.1. |
Demand deposits |
47 |
39 |
672 |
965 |
494 |
400 |
|
3.2. |
Savings bank deposits |
1299 |
1401 |
3596 |
4114 |
2041 |
2239 |
|
3.3. |
Term deposits |
3423 |
4181 |
3907 |
4818 |
4087 |
6299 |
|
4. |
Borrowings |
1248 |
1305 |
755 |
658 |
1975 |
1881 |
|
(17.6) |
(15.9) |
(7.0) |
(5.1) |
(18.8) |
(14.1) |
|||
4.1. |
From banks* |
254 |
339 |
16 |
15 |
726 |
749 |
|
4.2. |
From others |
994 |
967 |
739 |
643 |
1249 |
1132 |
|
5. |
Other liabilities |
512 |
695 |
831 |
877 |
902 |
1506 |
|
(7.2) |
(8.5) |
(7.7) |
(6.9) |
(8.6) |
(11.3) |
|||
5.1. |
Bills Payable |
6 |
8 |
|
|
|
|
|
5.2. |
Inter-office adjustments |
49 |
4 |
|
|
67 |
|
|
5.3. |
Interest accrued |
370 |
583 |
556 |
540 |
555 |
1031 |
|
|
5.4. |
Others (including provisions) |
87 |
100 |
375 |
336 |
280 |
474 |
|
Total Liabilities |
7093 |
8185 |
10777 |
12793 |
10510 |
13363 |
|
1. |
Cash in hand |
146 |
81.00 |
56 |
64 |
314 |
354 |
|
(2.1) |
(1.0) |
(0.5) |
(0.5) |
(3.0) |
(2.6) |
|||
2. |
Balances with RBI |
182 |
185 |
290 |
297 |
195 |
327 |
|
(2.6) |
(2.3) |
(2.7) |
(2.3) |
(1.9) |
(2.4) |
|||
3. |
Balances with banks in India |
39 |
17 |
4601 |
6056 |
4082 |
4955 |
|
(0.5) |
(0.2) |
(42.7) |
(47.3) |
(38.8) |
(37.1) |
|||
4. |
Money at call and short notice |
1829 |
2098 |
|
|
|
|
|
(25.8) |
(25.6) |
() |
(0.0) |
(0.0) |
(0.0) |
|||
5. |
Investments |
1977 |
2617 |
3835 |
3660 |
118 |
218 |
|
(27.9) |
(32.0) |
(35.6) |
(28.6) |
(1.1) |
(1.6) |
|||
6. |
Advances |
2118 |
2643 |
1661 |
1863 |
4555 |
6152 |
|
(29.9) |
(32.3) |
(15.4) |
(14.6) |
(43.3) |
(46.0) |
|||
6.1. |
Bills purchased and discounted |
|
|
|
|
|
|
|
6.2. |
Cash credits, overdrafts & loans |
1351 |
1847 |
652 |
648 |
4211 |
5686 |
|
6.3. |
Term loans |
766 |
796 |
1009 |
1215 |
344 |
465 |
|
7. |
Fixed Assets |
11 |
12 |
13 |
14 |
36 |
57 |
|
(0.2) |
(0.1) |
(0.1) |
(0.1) |
(0.3) |
(0.4) |
|||
8. |
Other Assets |
791 |
531 |
323 |
840 |
1209 |
1301 |
|
(11.2) |
(6.5) |
(3.0) |
(6.6) |
(11.5) |
(9.7) |
|||
8.1. |
Inter - office adjustments (net) |
67 |
39 |
|
536 |
|
111 |
|
8.2. |
Interest accrued |
466 |
407 |
309 |
296 |
35 |
49 |
|
|
8.3. |
Others |
259 |
85 |
14 |
8 |
1174 |
1141 |
Total Assets |
7093 |
8185 |
10777 |
12793 |
10510 |
13363 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Kalahandi Anchalika |
Kalpatharu |
Kamraz |
|||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(169) |
(170) |
(171) |
(172) |
(173) |
(174) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(0.8) |
(0.7) |
(0.6) |
(0.6) |
(0.6) |
(0.6) |
|||
2. |
Reserves and Surplus |
2014 |
2116 |
1349 |
1349 |
2784 |
1008 |
|
(15.8) |
(14.0) |
(8.5) |
(7.5) |
(17.9) |
(5.7) |
|||
3. |
Deposits |
7796 |
8895 |
10817 |
12535 |
11666 |
15060 |
|
(61.2) |
(58.7) |
(68.1) |
(69.3) |
(75.0) |
(85.7) |
|||
3.1. |
Demand deposits |
1507 |
1036 |
672 |
956 |
1909 |
2659 |
|
3.2. |
Savings bank deposits |
3655 |
4306 |
4337 |
4551 |
5244 |
6889 |
|
3.3. |
Term deposits |
2635 |
3554 |
5808 |
7029 |
4513 |
5512 |
|
4. |
Borrowings |
1905 |
2423 |
2215 |
2132 |
546 |
609 |
|
(15.0) |
(16.0) |
(13.9) |
(11.8) |
(3.5) |
(3.5) |
|||
4.1. |
From banks* |
195 |
256 |
234 |
252 |
133 |
179 |
|
4.2. |
From others |
1710 |
2167 |
1981 |
1881 |
433 |
430 |
|
5. |
Other liabilities |
927 |
1630 |
1412 |
1970 |
457 |
791 |
|
(7.3) |
(10.7) |
(8.9) |
(10.9) |
(2.9) |
(4.5) |
|||
5.1. |
Bills Payable |
|
|
|
12 |
10 |
6 |
|
5.2. |
Inter-office adjustments |
|
|
|
|
40 |
150 |
|
5.3. |
Interest accrued |
462 |
649 |
917 |
1234 |
139 |
188 |
|
|
5.4. |
Others (including provisions) |
464 |
981 |
495 |
725 |
268 |
447 |
|
Total Liabilities |
12741 |
15164 |
15894 |
18086 |
15553 |
17569 |
|
1. |
Cash in hand |
188 |
279 |
221 |
328 |
38 |
45 |
|
(1.5) |
(1.8) |
(1.4) |
(1.8) |
(0.2) |
(0.3) |
|||
2. |
Balances with RBI |
214 |
214 |
326 |
378 |
352 |
415 |
|
(1.7) |
(1.4) |
(2.1) |
(2.1) |
(2.3) |
(2.4) |
|||
3. |
Balances with banks in India |
3469 |
3782 |
1927 |
2225 |
7209 |
11230 |
|
(27.2) |
(24.9) |
(12.1) |
(12.3) |
(46.4) |
(63.9) |
|||
4. |
Money at call and short notice |
|
|
|
3751 |
|
|
|
() |
() |
() |
(20.7) |
() |
() |
|||
5. |
Investments |
1326 |
1592 |
5447 |
2392 |
692 |
320 |
|
(10.4) |
(10.5) |
(34.3) |
(13.2) |
(4.4) |
(1.8) |
|||
6. |
Advances |
4651 |
5726 |
6219 |
7565 |
1952 |
2219 |
|
(36.5) |
(37.8) |
(39.1) |
(41.8) |
(12.7) |
(12.6) |
|||
6.1. |
Bills purchased and discounted |
87 |
|
394 |
409 |
|
1 |
|
6.2. |
Cash credits, overdrafts & loans |
1308 |
2728 |
2474 |
3118 |
898 |
993 |
|
6.3. |
Term loans |
3256 |
2998 |
3351 |
4039 |
1054 |
1225 |
|
7. |
Fixed Assets |
16 |
14 |
31 |
36 |
28 |
40 |
|
(0.1) |
(0.1) |
(0.2) |
(0.2) |
(0.2) |
(0.2) |
|||
8. |
Other Assets |
2877 |
3557 |
1722 |
1411 |
5283 |
3299 |
|
(22.6) |
(23.5) |
(10.8) |
(7.8) |
(34.0) |
(18.8) |
|||
8.1. |
Inter - office adjustments (net) |
255 |
778 |
26 |
|
|
|
|
8.2. |
Interest accrued |
328 |
510 |
363 |
332 |
90 |
224 |
|
|
8.3. |
Others |
2294 |
2270 |
1333 |
1080 |
5193 |
3075 |
Total Assets |
12741 |
15164 |
15894 |
18086 |
15553 |
17569 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Kanakadurga |
Kanpur Kshetriya |
Kapurthala Firozpur |
|||||
Gramin Bank |
Gramin Bank |
Kshetriya Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(175) |
(176) |
(177) |
(178) |
(179) |
(180) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(1.3) |
(1.2) |
(0.3) |
(0.3) |
(1.1) |
(0.9) |
|||
2. |
Reserves and Surplus |
746 |
974 |
2801 |
3141 |
786 |
901 |
|
(10.0) |
(11.8) |
(8.6) |
(8.5) |
(8.6) |
(8.6) |
|||
3. |
Deposits |
4687 |
5202 |
25199 |
29518 |
6975 |
8364 |
|
(62.6) |
(62.9) |
(77.6) |
(79.6) |
(76.1) |
(79.4) |
|||
3.1. |
Demand deposits |
149 |
138 |
1028 |
1205 |
232 |
176 |
|
3.2. |
Savings bank deposits |
1573 |
1346 |
10808 |
11771 |
2530 |
3196 |
|
3.3. |
Term deposits |
2964 |
3718 |
13364 |
16542 |
4214 |
4992 |
|
4. |
Borrowings |
1458 |
1526 |
3004 |
2962 |
657 |
751 |
|
(19.5) |
(18.4) |
(9.2) |
(8.0) |
(7.2) |
(7.1) |
|||
4.1. |
From banks* |
299 |
391 |
193 |
188 |
119 |
147 |
|
4.2. |
From others |
1159 |
1135 |
2810 |
2774 |
537 |
604 |
|
5. |
Other liabilities |
502 |
471 |
1376 |
1362 |
645 |
413 |
|
(6.7) |
(5.7) |
(4.2) |
(3.7) |
(7.0) |
(3.9) |
|||
5.1. |
Bills Payable |
|
|
250 |
279 |
14 |
2 |
|
5.2. |
Inter-office adjustments |
63 |
73 |
|
|
|
|
|
5.3. |
Interest accrued |
25 |
27 |
266 |
304 |
22 |
22 |
|
|
5.4. |
Others (including provisions) |
414 |
371 |
861 |
779 |
608 |
389 |
|
Total Liabilities |
7493 |
8273 |
32481 |
37083 |
9163 |
10529 |
|
1. |
Cash in hand |
140 |
131 |
237 |
209 |
179 |
106 |
|
(1.9) |
(1.6) |
(0.7) |
(0.6) |
(2.0) |
(1.0) |
|||
2. |
Balances with RBI |
137 |
153 |
810 |
910 |
221 |
256 |
|
(1.8) |
(1.8) |
(2.5) |
(2.5) |
(2.4) |
(2.4) |
|||
3. |
Balances with banks in India |
2532 |
2966 |
3125 |
3993 |
3098 |
3922 |
|
(33.8) |
(35.9) |
(9.6) |
(10.8) |
(33.8) |
(37.2) |
|||
4. |
Money at call and short notice |
|
|
8504 |
|
|
|
|
() |
() |
(26.2) |
() |
() |
() |
|||
5. |
Investments |
632 |
882 |
8391 |
20122 |
2232 |
2585 |
|
(8.4) |
(10.7) |
(25.8) |
(54.3) |
(24.4) |
(24.6) |
|||
6. |
Advances |
3844 |
3919 |
6156 |
7098 |
2362 |
2675 |
|
(51.3) |
(47.4) |
(19.0) |
(19.1) |
(25.8) |
(25.4) |
|||
6.1. |
Bills purchased and discounted |
176 |
18 |
|
|
1 |
1 |
|
6.2. |
Cash credits, overdrafts & loans |
2511 |
2688 |
980 |
1010 |
1041 |
1239 |
|
6.3. |
Term loans |
1157 |
1212 |
5176 |
6088 |
1320 |
1435 |
|
7. |
Fixed Assets |
53 |
51 |
35 |
38 |
14 |
18 |
|
(0.7) |
(0.6) |
(0.1) |
(0.1) |
(0.2) |
(0.2) |
|||
8. |
Other Assets |
154 |
171 |
5223 |
4712 |
1057 |
969 |
|
(2.0) |
(2.1) |
(16.1) |
(12.7) |
(11.5) |
(9.2) |
|||
8.1. |
Inter - office adjustments (net) |
|
|
89 |
177 |
28 |
30 |
|
8.2. |
Interest accrued |
65 |
91 |
1394 |
1370 |
242 |
287 |
|
|
8.3. |
Others |
89 |
81 |
3740 |
3166 |
787 |
652 |
Total Assets |
7493 |
8273 |
32481 |
37083 |
9163 |
10529 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
Notes |
|
1. |
Figures in bracket indicate per cent share in total. |
2. |
* : Including Reserve Bank of India. |
Source |
: Annual accounts of banks of respective years. |