REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Bhilwara-Ajmer

Bhojpur Rohtas

Bijapur Gramin

Bikaner Kshetriya

Kshetriya Gramin

Gramin Bank

Bank

Gramin Bank

Items

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

Income

I.

Interest earned

540

756

2196

2931

1436

2037

56

94

a)

Interest/discount on advances/bills

321

446

271

403

989

1292

20

40

b)

Income on investments

6

89

855

1401

75

213

34

53

c)

Interest on balances with RBI and other

213

221

1058

1127

372

532

2

1

inter-bank funds

d)

Others

-

-

11

-

-

-

-

-

II.

Other income

70

75

85

98

206

96

12

11

a)

Commission, exchange, brokerage, etc.

26

32

2

3

7

10

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

-

-

-

-

-

-

-

1

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

44

42

82

95

199

86

11

8

Total (I+II)

610

830

2281

3029

1642

2133

68

104

Expenditure & Provisions

III.

Interest expended

403

546

1481

1987

870

1147

74

108

a)

Interest on deposits

331

468

1430

1924

539

761

69

103

b)

Interest on RBI/inter-bank borrowings

72

78

51

63

61

72

-

-

c)

Others

-

-

-

-

269

314

5

5

IV.

Operating expenses

190

208

796

853

556

492

76

86

a)

Payments to and provisions for employees

163

175

723

773

415

444

65

68

b)

Rent, taxes and lighting

7

8

10

10

5

5

3

3

c)

Printing and stationery

4

4

6

12

6

8

1

2

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

4

4

6

2

4

1

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

2

2

1

1

-

-

h)

Law charges

-

-

-

1

-

-

-

-

i)

Postage, telegrams, telephones, etc.

2

2

3

4

4

4

1

1

j)

Repairs and maintenance

2

2

1

2

-

-

-

1

k)

Insurance

3

3

27

17

-

-

1

4

l)

Other expenditure

7

9

20

24

122

26

5

6

V.

Provisions and contingencies

12

68

170

2506

82

179

11

15

Total expenses

605

822

2447

5345

1508

1818

161

208

VI.

Profit (loss)

5

8

(166)

(2316)

134

314

(93)

(104)

Total (III+IV+V+VI)

610

830

2281

3029

1642

2133

68

104

(Amount in Rs. lakh)

For the year ended 31st March

Bilaspur Raipur

Bolangir Anchalik

Buldhana Gramin

Bundelkhand

Kshetriya Gramin

Gramin Bank

Bank

Kshetriya Gramin

Items

Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

Income

I.

Interest earned

857

1211

624

892

171

281

1127

1435

a)

Interest/discount on advances/bills

209

408

256

392

123

200

244

84

b)

Income on investments

641

168

51

118

2

9

136

125

c)

Interest on balances with RBI and other

6

634

318

381

46

72

277

687

inter-bank funds

d)

Others

-

1

-

-

-

-

470

538

II.

Other income

34

30

11

18

13

16

12

12

a)

Commission, exchange, brokerage, etc.

14

15

10

17

9

12

11

12

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

20

15

1

-

4

4

-

-

Total (I+II)

891

1240

635

909

184

296

1140

1447

Expenditure & Provisions

III.

Interest expended

782

1051

749

1006

120

175

919

1322

a)

Interest on deposits

698

997

553

807

82

125

500

744

b)

Interest on RBI/inter-bank borrowings

84

15

196

198

38

49

43

40

c)

Others

-

38

-

-

-

-

375

538

IV.

Operating expenses

528

589

653

835

105

104

452

453

a)

Payments to and provisions for employees

455

517

583

758

69

69

409

411

b)

Rent, taxes and lighting

12

14

17

21

4

5

6

8

c)

Printing and stationery

7

10

12

13

2

3

4

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

1

3

3

2

2

1

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

2

-

-

1

1

h)

Law charges

-

1

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

3

4

5

4

1

2

2

2

j)

Repairs and maintenance

-

1

3

2

-

1

1

1

k)

Insurance

21

7

7

6

1

1

7

3

l)

Other expenditure

26

34

22

26

25

22

22

20

V.

Provisions and contingencies

307

62

704

677

26

24

1412

637

Total expenses

1617

1702

2106

2517

250

302

2783

2412

VI.

Profit (loss)

(727)

(462)

(1471)

(1608)

(67)

(6)

(1643)

(964)

Total (III+IV+V+VI)

891

1240

635

909

184

296

1140

1447

(Amount in Rs. lakh)

For the year ended 31st March

Bundi-Chittor

Cachar Gramin Bank

Causerie Gramin

Chaitanya Gramin

Kshetriya Gramin

Bank

Bank

Items

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

Income

I.

Interest earned

418

560

107

206

1262

1625

632

827

a)

Interest/discount on advances/bills

286

352

26

46

750

962

392

499

b)

Income on investments

-

5

-

99

235

218

27

86

c)

Interest on balances with RBI and other

-

-

81

1

277

444

212

241

inter-bank funds

d)

Others

132

203

-

60

-

-

-

-

II.

Other income

37

23

9

19

93

119

40

48

a)

Commission, exchange, brokerage, etc.

3

4

3

11

83

106

7

17

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

34

18

6

9

10

13

32

32

Total (I+II)

455

583

116

226

1355

1744

671

875

Expenditure & Provisions

III.

Interest expended

413

533

144

224

865

1078

443

578

a)

Interest on deposits

287

412

134

208

635

844

304

433

b)

Interest on RBI/inter-bank borrowings

-

-

10

16

230

234

35

36

c)

Others

126

121

-

-

-

-

104

109

IV.

Operating expenses

235

295

303

286

537

748

238

260

a)

Payments to and provisions for employees

212

262

131

145

447

643

208

228

b)

Rent, taxes and lighting

5

6

5

6

8

12

6

8

c)

Printing and stationery

3

4

2

3

6

8

2

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

1

2

3

3

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

1

2