REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Manipur

Manjira

Marathwada

Marudhar Kshetriya

Rural Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(217)

(218)

(219)

(220)

(221)

(222)

(223)

(224)

Income

I.

Interest earned

99

137

907

1233

1860

2640

156

251

a)

Interest/discount on advances/bills

25

29

580

824

778

959

69

121

b)

Income on investments

-

11

126

186

1058

1662

-

4

c)

Interest on balances with RBI and other

75

97

201

223

24

19

-

-

inter-bank funds

d)

Others

-

-

-

-

-

-

87

126

II.

Other income

5

5

151

143

146

126

17

14

a)

Commission, exchange, brokerage, etc.

1

1

15

15

137

110

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

-

-

-

2

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

4

4

136

126

9

15

15

12

Total (I+II)

104

142

1058

1376

2006

2766

173

265

Expenditure & Provisions

III.

Interest expended

97

91

688

909

1311

1765

256

386

a)

Interest on deposits

42

62

461

665

1030

1405

238

363

b)

Interest on RBI/inter-bank borrowings

54

29

227

244

281

360

-

-

c)

Others

-

-

-

-

-

-

19

23

IV.

Operating expenses

111

384

387

484

1042

1133

237

281

a)

Payments to and provisions for employees

102

111

330

327

878

986

211

243

b)

Rent, taxes and lighting

4

4

7

9

24

26

4

5

c)

Printing and stationery

2

2

9

5

13

16

4

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

1

5

6

5

6

2

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

2

3

-

-

h)

Law charges

-

-

-

-

1

-

-

-

i)

Postage, telegrams, telephones, etc.

-

-

3

3

7

8

1

1

j)

Repairs and maintenance

-

-

1

1

-

-

-

-

k)

Insurance

1

1

13

5

51

11

1

3

l)

Other expenditure

1

264

18

126

62

77

13

24

V.

Provisions and contingencies

-

-

360

460

-

59

34

49

Total expenses

208

475

1436

1853

2353

2956

527

716

VI.

Profit (loss)

(103)

(333)

(377)

(477)

(347)

(191)

(354)

(452)

Total (III+IV+V+VI)

104

142

1058

1376

2006

2766

173

265

(Amount in Rs. lakh)

For the year ended 31st March

Marwar

Mayurakshi

Mewar Anchalik

Mithila Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(225)

(226)

(227)

(228)

(229)

(230)

(231)

(232)

Income

I.

Interest earned

1887

2657

683

1037

409

728

253

414

a)

Interest/discount on advances/bills

488

713

245

343

118

206

74

109

b)

Income on investments

679

997

-

-

98

152

-

-

c)

Interest on balances with RBI and other

718

946

283

448

17

3

179

303

inter-bank funds

d)

Others

1

-

155

247

176

367

-

1

II.

Other income

89

54

62

95

47

46

7

11

a)

Commission, exchange, brokerage, etc.

75

52

53

88

5

7

5

7

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

14

2

8

8

42

39

1

4

Total (I+II)

1976

2711

745

1133

457

775

259

425

Expenditure & Provisions

III.

Interest expended

1375

1961

631

1076

370

618

347

498

a)

Interest on deposits

1292

1854

570

1005

337

577

304

465

b)

Interest on RBI/inter-bank borrowings

83

108

61

71

33

41

43

32

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

595

653

469

501

228

255

393

870

a)

Payments to and provisions for employees

539

590

436

464

198

218

282

310

b)

Rent, taxes and lighting

9

11

7

7

8

9

5

5

c)

Printing and stationery

6

8

5

6

5

4

2

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

1

1

5

5

1

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

-

-

-

1

h)

Law charges

1

-

-

1

-

-

1

1

i)

Postage, telegrams, telephones, etc.

5

5

1

1

2

3

-

1

j)

Repairs and maintenance

1

1

1

1

-

1

1

2

k)

Insurance

1

2

4

7

-

-

1

1

l)

Other expenditure

31

32

13

13

9

14

99

546

V.

Provisions and contingencies

-

-

105

280

-

26

-

-

Total expenses

1971

2614

1205

1857

598

899

740

1368

VI.

Profit (loss)

6

97

(460)

(724)

(142)

(125)

(480)

(943)

Total (III+IV+V+VI)

1976

2711

745

1133

457

775

259

425

(Amount in Rs. lakh)

For the year ended 31st March

Mizoram

Monghyr Kshetriya

Murshidabad

Muzaffarnagar

Rural Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(233)

(234)

(235)

(236)

(237)

(238)

(239)

(240)

Income

I.

Interest earned

876

1426

286

250

336

a)

Interest/discount on advances/bills

160

370

132

89

89

b)

Income on investments

15

215

66

81

126

c)

Interest on balances with RBI and other

N

N

701

841

88

N

79

121

inter-bank funds

d)

Others

-

-

-

-

-

O

O

O

II.

Other income

78

80

9

28

13

T

T

T

a)

Commission, exchange, brokerage, etc.

14

14

4

1

1

b)

Net profit (loss) on sale of investments

-

-

-

-

-

c)

Net profit (loss) on revaluation of investments

A

A

-

-

-

A

-

-

d)

Net profit (loss) on sale of land, building

& other assets

-

-

-

-

-

e)

Net profit (loss) on exchange transaction

V

V

V

f)

Miscellaneous income

64

66

5

27

11

Total (I+II)

916

1507

295

278

348

Expenditure & Provisions

A

A

A

III.

Interest expended

667

907

205

154

244

I

I

I

a)

Interest on deposits

642

892

175

119

207

b)

Interest on RBI/inter-bank borrowings

26

16

30

8

12

c)

Others

L

L

-

-

-

L

27

26

IV.

Operating expenses

A

A

486

569

176

A

102

121

a)

Payments to and provisions for employees

457

526

123

87

100

b)

Rent, taxes and lighting

B

B

9

10

4

B

3

3

c)

Printing and stationery

4

4

3

1

2

d)

Advertisement and publicity

-

-

-

-

-

e)

Depreciation on Bank's property

L

L

2

2

1

L

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

g)

Auditors' fees and expenses

1