REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Balasore Gramya

Ballia Kshetriya

Banaskantha

Bara Banki Gramin

Bank

Gramin Bank

Mehsana Gramin

Bank

Items

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I.

Interest earned

225

224

1097

1341

372

603

1466

1946

a)

Interest/discount on advances/bills

185

189

227

341

160

257

212

271

b)

Income on investments

-

-

-

-

202

333

872

1193

c)

Interest on balances with RBI and other

39

35

870

1000

9

9

382

464

inter-bank funds

d)

Others

-

-

-

-

2

4

-

18

II.

Other income

22

30

36

41

26

25

17

23

a)

Commission, exchange, brokerage, etc.

3

4

26

21

5

5

10

10

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

19

26

10

20

21

19

7

12

Total (I+II)

247

254

1133

1383

398

628

1484

1969

Expenditure & Provisions

III.

Interest expended

364

467

826

1091

403

590

846

1100

a)

Interest on deposits

280

389

742

1010

317

484

751

1010

b)

Interest on RBI/inter-bank borrowings

10

7

7

2

86

106

95

90

c)

Others

74

72

77

80

-

-

-

-

IV.

Operating expenses

338

335

344

372

403

505

420

466

a)

Payments to and provisions for employees

264

291

316

341

322

281

378

420

b)

Rent, taxes and lighting

7

8

5

6

5

6

8

9

c)

Printing and stationery

3

2

4

5

3

3

6

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

2

2

1

2

2

3

f)

Directors' fees, allowances and expenses

-

-

-

-

6

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

-

1

-

1

h)

Law charges

-

-

-

-

-

-

1

-

i)

Postage, telegrams, telephones, etc.

1

1

1

1

1

1

1

2

j)

Repairs and maintenance

1

1

-

-

1

1

1

1

k)

Insurance

46

15

5

6

-

-

-

1

l)

Other expenditure

12

13

10

10

62

210

21

24

V.

Provisions and contingencies

22

416

85

2177

-

-

96

251

Total expenses

723

1219

1255

3641

806

1095

1362

1817

VI.

Profit (loss)

(476)

(965)

(122)

(2258)

(408)

(467)

122

152

Total (III+IV+V+VI)

247

254

1133

1383

398

628

1484

1969

(Amount in Rs. lakh)

For the year ended 31st March

Bardhaman

Bareilly Kshetriya

Bastar Kshetriya

Basti Gramin Bank

Items

Gramin Bank

Gramin Bank

Gramin Bank

1996

1997

1996

1997

1996

1997

1996

1997

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I.

Interest earned

1136

1711

462

767

134

270

1360

1773

a)

Interest/discount on advances/bills

205

358

180

282

36

65

211

329

b)

Income on investments

462

823

36

193

1

9

1123

1443

c)

Interest on balances with RBI and other

468

530

246

292

96

190

26

-

inter-bank funds

d)

Others

-

-

-

-

1

6

-

-

II.

Other income

81

169

29

42

15

15

47

48

a)

Commission, exchange, brokerage, etc.

12

38

28

28

4

5

21

30

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

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

69

131

1

14

11

10

26

18

Total (I+II)

1217

1880

491

809

149

285

1407

1821

Expenditure & Provisions

III.

Interest expended

749

1170

443

586

206

341

836

1118

a)

Interest on deposits

686

1110

391

528

197

324

737

1013

b)

Interest on RBI/inter-bank borrowings

63

60

-

-

9

16

99

106

c)

Others

-

-

52

58

-

-

-

-

IV.

Operating expenses

467

578

367

426

267

302

469

481

a)

Payments to and provisions for employees

388

523

303

354

252

279

413

409

b)

Rent, taxes and lighting

11

12

9

11

4

4

7

7

c)

Printing and stationery

6

6

4

6

3

4

4

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

3

3

2

3

1

1

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

1

-

-

1

1

h)

Law charges

-

-

-

-

-

-

4

2

i)

Postage, telegrams, telephones, etc.

1

1

-

2

2

1

5

7

j)

Repairs and maintenance

1

1

3

4

1

1

1

1

k)

Insurance

43

11

36

38

3

9

7

22

l)

Other expenditure

12

19

9

9

2

3

26

23

V.

Provisions and contingencies

196

28

113

182

63

78

64

857

Total expenses

1412

1776

923

1194

535

721

1368

2456

VI.

Profit (loss)

(195)

104

(432)

(384)

(387)

(436)

39

(635)

Total (III+IV+V+VI)

1217

1880

491

809

149

285

1407

1821

(Amount in Rs. lakh)

For the year ended 31st March

Begusarai

Bhagalpur Banka

Bhagirath Gramin

Bhandara Gramin

Kshetriya

Kshetriya Gramin

Bank

Bank

Items

Gramin Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I.

Interest earned

105

194

125

237

1982

2497

150

285

a)

Interest/discount on advances/bills

19

53

27

85

339

355

92

151

b)

Income on investments

19

38

94

147

443

2130

-

37

c)

Interest on balances with RBI and other

67

103

4

5

1189

9

58

97

inter-bank funds

d)

Others

-

-

-

-

11

3

-

-

II.

Other income

2

2

8

6

121

101

6

15

a)

Commission, exchange, brokerage, etc.

-

1

2

2

121

101

1

2

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

1

2

6

4

-

-

4

12

Total (I+II)

107

196

132

243

2104

2598

156

299

Expenditure & Provisions

III.

Interest expended

80

124

101

175

986

1247

171

274

a)

Interest on deposits

73

117

97

167

878

1141

157

252

b)

Interest on RBI/inter-bank borrowings

7

8

4

8

108

102

14

22

c)

Others

-

-

-

-

-

4

-

-

IV.

Operating expenses

72

72

89

97

631

654

170

234

a)

Payments to and provisions for employees

58

65

69

79

530

568

150

215

b)

Rent, taxes and lighting

3

3

4

4

11

11

5

6

c)

Printing and stationery

1

1

2

2

6

8

3

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

1

1

2

3

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

-

-

1

1

-

-

h)

Law charges

-

-