(Amount in Rs. lakh)

As on 31st March

Bastar Kshetriya Gramin Bank

Basti Gramin Bank

Begusarai Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(37)

(38)

(39)

(40)

(41)

(42)

1.

Capital

100

100

100

100

100

100

(1.6)

(1.3)

(0.4)

(0.3)

(2.8)

(2.1)

2.

Reserves and Surplus

-

-

160

653

77

200

(-)

(-)

(0.7)

(2.3)

(2.1)

(4.2)

3.

Deposits

4992

6028

17719

21291

2854

3819

(81.6)

(77.2)

(75.4)

(73.5)

(79.3)

(80.6)

3.1.

Demand deposits

580

675

642

1046

239

495

3.2.

Savings bank deposits

1944

2294

10510

12521

1402

1683

3.3.

Term deposits

2469

3058

6568

7724

1213

1641

4.

Borrowings

277

291

1868

2038

118

137

(4.5)

(3.7)

(7.9)

(7.0)

(3.3)

(2.9)

4.1.

From banks*

-

-

120

132

-

-

4.2.

From others

277

291

1748

1906

118

137

5.

Other liabilities

750

1391

3652

4881

450

480

(12.3)

(17.8)

(15.5)

(16.9)

(12.5)

(10.1)

5.1.

Bills Payable

36

475

34

58

-

-

5.2.

Inter-office adjustments

18

-

118

115

-

-

5.3.

Interest accrued

449

584

1600

2282

166

256

5.4.

Others (including provisions)

247

332

1900

2425

284

224

Total Liabilities

6120

7810

23499

28964

3599

4736

1.

Cash in hand

40

49

158

201

52

105

(0.7)

(0.6)

(0.7)

(0.7)

(1.4)

(2.2)

2.

Balances with RBI

173

213

570

760

90

121

(2.8)

(2.7)

(2.4)

(2.6)

(2.5)

(2.6)

3.

Balances with banks in India

2131

2902

8923

1275

1770

2165

(34.8)

(37.2)

(38.0)

(4.4)

(49.2)

(45.7)

4.

Money at call and short notice

-

-

-

10043

-

-

(-)

(-)

(-)

(34.7)

(-)

(-)

5.

Investments

7

47

6979

8297

515

915

(0.1)

(0.6)

(29.7)

(28.6)

(14.3)

(19.3)

6.

Advances

1136

1421

5279

6344

700

706

(18.6)

(18.2)

(22.5)

(21.9)

(19.4)

(14.9)

6.1.

Bills purchased and discounted

-

-

-

-

-

1

6.2.

Cash credits, overdrafts & loans

349

452

2111

1321

26

59

6.3.

Term loans

787

969

3168

5023

674

646

7.

Fixed Assets

6

6

14

17

10

11

(0.1)

(0.1)

(0.1)

(0.1)

(0.3)

(0.2)

8.

Other Assets

2627

3173

1577

2027

463

712

(42.9)

(40.6)

(6.7)

(7.0)

(12.9)

(15.0)

8.1.

Inter - office adjustments (net)

-

159

-

-

28

7

8.2.

Interest accrued

41

74

1508

1944

176

245

8.3.

Others

2587

2940

68

83

259

460

Total Assets

6120

7810

23499

28964

3599

4736

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Bhagalpur Banka

Bhagirath

Bhandara

Items

Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(43)

(44)

(45)

(46)

(47)

(48)

1.

Capital

100

100

100

100

100

100

(1.3)

(1.0)

(0.3)

(0.3)

(1.8)

(1.4)

2.

Reserves and Surplus

-

183

2446

3855

-

-

(-)

(1.8)

(7.9)

(10.4)

(-)

(-)

3.

Deposits

3928

4829

25668

29563

4673

6061

(50.1)

(47.0)

(82.6)

(79.6)

(81.9)

(83.3)

3.1.

Demand deposits

204

258

2844

3194

61

74

3.2.

Savings bank deposits

1965

1984

14361

16956

1989

2580

3.3.

Term deposits

1759

2586

8463

9413

2623

3407

4.

Borrowings

467

361

1769

2082

514

669

(6.0)

(3.5)

(5.7)

(5.6)

(9.0)

(9.2)

4.1.

From banks*

-

-

270

290

63

75

4.2.

From others

467

361

1499

1792

451

594

5.

Other liabilities

3342

4812

1106

1557

422

442

(42.6)

(46.8)

(3.6)

(4.2)

(7.4)

(6.1)

5.1.

BillsPayable

-

-

90

552

-

-

5.2.

Inter-office adjustments

2774

4053

99

-

-

-

5.3.

Interest accrued

234

411

19

19

-

-

5.4.

Others (including provisions)

334

348

898

986

422

442

Total Liabilities

7837

10284

31090

37156

5709

7272

1.

Cash in hand

54

42

432

496

82

69

(0.7)

(0.4)

(1.4)

(1.3)

(1.4)

(0.9)

2.

Balances with RBI

114

160

763

827

145

174

(1.5)

(1.6)

(2.5)

(2.2)

(2.5)

(2.4)

3.

Balances with banks in India

1996

2696

14598

17771

1278

1890

(25.5)

(26.2)

(47.0)

(47.8)

(22.4)

(26.0)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

359

426

7705

8618

424

549

(4.6)

(4.1)

(24.8)

(23.2)

(7.4)

(7.5)

6.

Advances

1949

2109

4179

4888

2123

2767

(24.9)

(20.5)

(13.4)

(13.2)

(37.2)

(38.1)

6.1.

Bills purchased and discounted

3

3

-

-

-

-

6.2.

Cash credits, overdrafts & loans

109

160

4178

4887

823

1051

6.3.

Term loans

1837

1946

-

-

1299

1716

7.

Fixed Assets

22

27

24

31

19

27

(0.3)

(0.3)

(0.1)

(0.1)

(0.3)

(0.4)

8.

Other Assets

3341

4824

3390

4525

1638

1796

(42.6)

(46.9)

(10.9)

(12.2)

(28.7)

(24.7)

8.1.

Inter - office adjustments (net)

2800

4070

-

419

68

90

8.2.

Interest accrued

145

258

3304

4009

-

-

8.3.

Others

396

495

86

97

1570

1706

Total Assets

7837

10284

31090

37156

5709

7272

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Bhilwara-Ajmer Kshetriya

Bhojpur Rohtas Gramin Bank

Bijapur Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(49)

(50)

(51)

(52)

(53)

(54)

1.

Capital

100

100

100

100

100

100

(1.0)

(0.8)

(0.2)

(0.2)

(0.5)

(0.4)

2.

Reserves and Surplus

559

658

1702

2130

1374

1830

(5.6)

(5.1)

(4.1)

(4.4)

(6.4)

(6.9)

3.

Deposits

7250

9467

35115

40647

12597

16579

(73.1)

(74.0)

(85.2)

(84.1)

(59.1)

(62.8)

3.1.

Demand deposits

510

671

1803

1371

285

350

3.2.

Savings bank deposits

1874

2722

16234

19173

4723

6140

3.3.

Term deposits

4866

6074

17079

20104

7590

10088

4.

Borrowings

1418

1618

1871

2504

5278

5145

(14.3)

(12.7)

(4.5)

(5.2)

(24.8)

(19.5)

4.1.

From banks*

81

98

-

2504

1034

1087

4.2.

From others

1337

1520

1871

-

4244

4058

5.

Other liabilities

587

942

2441

2956

1974

2739

(5.9)

(7.4)

(5.9)

(6.1)

(9.3)

(10.4)

5.1.

BillsPayable

17

26

-

-

202

369

5.2.

Inter-office adjustments

-

-

-

-

235

295

5.3.

Interest accrued

70

88

50

75

175

128

5.4.

Others (including provisions)

499

828

2391

2882

1362

1947

Total Liabilities

9914

12785

41230

48337

21322

26393

1.

Cash in hand

207

198

791

745

377

455

(2.1)

(1.5)

(1.9)

(1.5)

(1.8)

(1.7)

2.

Balances with RBI

215

274

1157

1302

394

500

(2.2)

(2.1)

(2.8)

(2.7)

(1.8)

(1.9)

3.

Balances with banks in India

2508

4371

1298

2797

365

1012

(25.3)

(34.2)

(3.1)

(5.8)

(1.7)

(3.8)

4.

Money at call and short notice

-

-

10164

12676

5792

7395

(-)

(-)

(24.7)

(26.2)

(27.2)

(28.0)

5.

nvestments

1144

1579

12883

14610

2033

2808

(11.5)

(12.3)

(31.2)

(30.2)

(9.5)

(10.6)

6.

Advances

4973

5464

9319

11285

11705

13310

(50.2)

(42.7)

(22.6)

(23.3)

(54.9)

(50.4)

6.1.

Bills purchased and discounted

54

44

129

-

3

1

6.2.

Cash credits, overdrafts & loans

1345

1217

1520

1834

5386

6550

6.3.

Term loans

3575

4203

7670

9452

6316

6758

7.

Fixed Assets

32

33

45

43

84

89

(0.3)

(0.3)

(0.1)

(0.1)

(0.4)

(0.3)

8.

Other Assets

835

867

5573

4879

572

823

(8.4)

(6.8)

(13.5)

(10.1)

(2.7)

(3.1)

8.1.

Inter - office adjustments (net)

67

159

1285

539

-

-

8.2.

Interest accrued

210

279

2361

2788

477

660

8.3.

Others

558

428

1928

1553

94

163

Total Assets

9914

12785

41230

48337

21322

26393

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Notes

:

1. Figures in bracket indicate percent share in total.

2. *Including Reserve Bank of India.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.

(Amount in Rs. lakh)

As on 31st March

Bikaner Kshetriya

Bilaspur Raipur Kshetriya

Bolangir Anchalik

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(55)

(56)

(57)

(58)

(59)

(60)

1.

Capital

100

100

100

100

100

100

(4.2)

(3.1)

(0.5)

(0.4)

(0.5)

(0.4)

2.

Reserves and Surplus

-

-

818

1545

-

-

(-)

(-)

(4.0)

(6.8)

(-)

(-)

3.

Deposits

1663

2177

16114

17228

13787

16664

(69.7)

(68.0)

(79.8)

(75.8)

(72.7)

(74.2)

3.1.

Demand deposits

61

92

1649

1334

1107

1500

3.2.

Savings bank deposits

441

548

6253

6929

6869

8123

3.3.

Term deposits

1160

1537

8211

8965

5811

7040

4.

Borrowings

360

591

1158

1399

3002

3130

(15.1)

(18.5)

(5.7)

(6.2)

(15.8)

(13.9)

4.1.

From banks*

-

14

195

211

512

553

4.2.

From others

360

577

963

1188

2491

2578

5.

Other liabilities

263

331

2015

2444

2087

2577

(11.0)

(10.4)

(10.0)

(10.8)

(11.0)

(11.5)

5.1.

BillsPayable

3

4

-

-

206

316

5.2.

Inter-office adjustments

5

7

-

-

-

-

5.3.

Interest accrued

146

207

1468

1569

1098

1416

5.4.

Others (including provisions)

109

114

547

875

782

845

Total Liabilities

2385

3199

20205

22716

18976

22472

1.

Cash in hand

5

7

117

146

179

194

(0.2)

(0.2)

(0.6)

(0.6)

(0.9)

(0.9)

2.

Balances with RBI

59

80

528

576

474

550

(2.5)

(2.5)

(2.6)

(2.5)

(2.5)

(2.4)

3.

Balances with banks in India

8

38

9123

10272

579

906

(0.3)

(1.2)

(45.2)

(45.2)

(3.1)

(4.0)

4.

Money at call and short notice

657

1027

-

-

4069

5372

(27.5)

(32.1)

(-)

(-)

(21.4)

(23.9)

5.

Investments

65

105

1323

1633

480

555

(2.7)

(3.3)

(6.5)

(7.2)

(2.5)

(2.5)

6.

Advances

950

1247

4297

5041

4617

5183

(39.8)

(39.0)

(21.3)

(22.2)

(24.3)

(23.1)

6.1.

Bills purchased and discounted

-

2

-

-

-

-

6.2.

Cash credits, overdrafts & loans

231

358

1569

1938

2029

2213

6.3.

Term loans

719

888

2728

3102

2588

2971

7.

Fixed Assets

13

15

12

13

19

24

(0.6)

(0.5)

(0.1)

(0.1)

(0.1)

(0.1)

8.

Other Assets

628

681

4804

5036

8561

9689

(26.3)

(21.3)

(23.8)

(22.2)

(45.1)

(43.1)

8.1.

Inter - office adjustments (net)

-

-

268

182

200

98

8.2.

Interest accrued

33

54

673

1034

547

698

8.3.

Others

595

626

3863

3820

7814

8894

Total Assets

2385

3199

20205

22716

18976

22472

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Buldhana

Bundelkhand

Bundi-Chittor

Items

Gramin Bank

Kshetriya

Kshetriya

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(61)

(62)

(63)

(64)

(65)

(66)

1.

Capital

100

100

100

100

100

100

(2.7)

(2.2)

(0.7)

(0.6)

(1.1)

(0.8)

2.

Reserves and Surplus

236

236

1712

2477

1545

1362

(6.3)

(5.2)

(11.7)

(13.7)

(16.8)

(10.5)

3.

Deposits

2312

2943

10747

13261

6899

8902

(61.4)

(64.6)

(73.2)

(73.1)

(75.2)

(68.5)

3.1.

Demand deposits

42

65

1026

1380

261

411

3.2.

Savings bank deposits

1212

1588

3645

4364

2273

2829

3.3.

Term deposits

1059

1290

6075

7517

4265

5662

4.

Borrowings

795

867

624

719

1622

1986

(21.1)

(19.0)

(4.2)

(4.0)

(17.7)

(15.3)

4.1.

From banks*

121

142

41

52

108

105

4.2.

From others

674

725

583

668

1515

1881

5.

Other liabilities

322

409

1506

1577

555

646

(8.6)

(9.0)

(10.3)

(8.7)

(6.0)

(5.0)

5.1.

BillsPayable

8

14

-

-

61

33

5.2.

Inter-office adjustments

-

-

18

93

-

-

5.3.

Interest accrued

-

17

320

1386

35

48

5.4.

Others (including provisions)

314

378

1168

97

459

566

Total Liabilities

3766

4555

14689

18135

9176

12995

1.

Cash in hand

58

161

114

92

120

191

(1.5)

(3.5)

(0.8)

(0.5)

(1.3)

(1.5)

2.

Balances with RBI

69

-

337

420

210

275

(1.8)

(-)

(2.3)

(2.3)

(2.3)

(2.1)

3.

Balances with banks in India

985

1328

6208

9909

4193

4128

(26.2)

(29.2)

(42.3)

(54.6)

(45.7)

(31.8)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

189

274

1726

727

97

1101

(5.0)

(6.0)

(11.8)

(4.0)

(1.1)

(8.5)

6.

Advances

2108

2397

2406

2657

3817

5213

(56.0)

(52.6)

(16.4)

(14.7)

(41.6)

(40.1)

6.1.

Bills purchased and discounted

75

116

-

-

5

8

6.2.

Cash credits, overdrafts & loans

635

704

860

910

40

187

6.3.

Term loans

1398

1577

1547

1748

3772

5017

7.

Fixed Assets

18

17

9

9

15

15

(0.5)

(0.4)

(0.1)

(-)

(0.2)

(0.1)

8.

Other Assets

338

377

3888

4322

2271

2073

(9.0)

(8.3)

(26.5)

(23.8)

(24.7)

(16.0)

8.1.

Inter - office adjustments (net)

4

28

-

-

145

81

8.2.

Interest accrued

-

12

1095

1724

16

24

8.3.

Others

334

338

2794

2598

2109

1967

Total Assets

3766

4555

14689

18135

9176

12995

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Cachar

Cauvery

Chaitanya

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(67)

(68)

(69)

(70)

(71)

(72)

1.

Capital

96

96

100

100

100

100

(1.5)

(1.2)

(0.5)

(0.5)

(1.0)

(0.8)

2.

Reserves and Surplus

859

1077

1330

1336

440

611

(13.1)

(12.9)

(6.8)

(6.1)

(4.2)

(4.6)

3.

Deposits

4718

6312

11117

12382

7171

9330

(72.1)

(75.5)

(57.2)

(56.7)

(68.8)

(70.3)

3.1.

Demand deposits

114

145

1044

1038

289

408

3.2.

Savings bank deposits

2204

2791

2880

2944

1479

2206

3.3.

Term deposits

2399

3376

7193

8401

5403

6717

4.

Borrowings

323

452

3700

4070

2282

2691

(4.9)

(5.4)

(19.0)

(18.6)

(21.9)

(20.3)

4.1.

From banks*

-

-

779

844

559

636

4.2.

From others

323

452

2921

3226

1723

2055

5.

Other liabilities

542

423

3180

3969

433

536

(8.3)

(5.1)

(16.4)

(18.2)

(4.2)

(4.0)

5.1.

BillsPayable

-

-

-

-

25

25

5.2.

Inter-office adjustments

-

-

100

109

58

204

5.3.

Interest accrued

48

80

1263

1774

29

57

5.4.

Others (including provisions)

494

343

1816

2087

321

250

Total Liabilities

6539

8359

19426

21857

10427

13268

1.

Cash in hand

89

112

151

148

282

404

(1.4)

(1.3)

(0.8)

(0.7)

(2.7)

(3.0)

2.

Balances with RBI

135

189

326

465

229

293

(2.1)

(2.3)

(1.7)

(2.1)

(2.2)

(2.2)

3.

Balances with banks in India

2019

335

377

1215

4086

5005

(30.9)

(4.0)

(1.9)

(5.6)

(39.2)

(37.7)

4.

Money at call and short notice

-

2077

2855

3212

-

-

(-)

(24.8)

(14.7)

(14.7)

(-)

(-)

5.

Investments

1457

2604

4226

3366

1093

922

(22.3)

(31.2)

(21.8)

(15.4)

(10.5)

(6.9)

6.

Advances

1202

1414

9534

11540

4340

6264

(18.4)

(16.9)

(49.1)

(52.8)

(41.6)

(47.2)

6.1.

Bills purchased and discounted

-

-

141

198

23

38

6.2.

Cash credits, overdrafts & loans

262

466

5483

7301

3169

4750

6.3.

Term loans

941

949

3910

4041

1147

1476

7.

Fixed Assets

8

8

15

29

22

27

(0.1)

(0.1)

(0.1)

(0.1)

(0.2)

(0.2)

8.

Other Assets

1629

1620

1942

1883

374