(Amount in Rs. lakh)

For the year ended 31st March

Subansiri

Sultanpur

Surendranagar

Gaonlia

Kshetriya

Surat-Bharuch

Bhav nagar

Items

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(353)

(354)

(355)

(356)

(357)

(358)

(359)

(360)

Income

I.

Interest Earned

361

464

2381

2541

695

852

368

597

a)

Interest/discount on advances/bills

39

64

641

711

356

468

210

311

b)

Income on Investments

112

113

1604

1696

81

118

15

65

c)

Interest on balances with

210

288

136

134

258

266

143

220

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

36

96

130

41

33

33

49

53

a)

Commission, exchange and brokerage

5

6

93

39

9

8

24

32

b)

Other miscellaneous income

31

91

38

2

24

25

26

21

Total (I+II)

397

561

2511

2582

728

886

417

650

Expenditure & Provisions

III.

Interest expended

204

262

1623

1700

441

486

279

400

a)

Interest on deposits

193

255

1253

1518

311

378

222

332

b)

Interest on RBI/inter-bank borrowings

12

7

142

181

125

105

11

11

c)

Others

-

-

227

-

5

3

46

57

IV.

Operating expenses

207

233

645

670

174

185

155

176

a)

Payments to and provisions for employees

177

193

568

591

137

152

132

151

b)

Rent, taxes and lighting

5

6

12

13

6

6

6

7

c)

Printing and stationery

4

3

6

6

3

5

4

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

3

4

3

4

3

5

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

1

1

-

-

h)

Law charges

-

-

1

1

-

-

-

1

i)

Postage, telegrams, telephones, etc.

2

1

1

2

1

1

1

2

j)

Repairs and maintenance

-

-

1

1

-

-

-

-

k)

Insurance

1

1

9

9

12

3

3

1

l)

Other expenditure

17

27

43

42

11

13

6

6

V.

Provisions and contingencies

488

-

455

134

91

7

108

9

Total expenses*

411

496

2267

2370

615

671

434

576

VI.

Profit

-502

65

-211

78

22

207

-125

65

Total (III+IV+V+VI)

397

561

2511

2582

728

886

417

650

(Amount in Rs. lakh)

For the year ended 31st March

Surguja

Kshetriya

Thane

Thar Anchalik

Tripura

Items

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(361)

(362)

(363)

(364)

(365)

(366)

(367)

(368)

Income

I.

Interest Earned

617

873

403

451

444

533

746

1185

a)

Interest/discount on advances/bills

147

170

40

44

215

249

133

148

b)

Income on Investments

1

10

239

265

43

109

259

509

c)

Interest on balances with

469

693

124

141

186

174

354

529

RBI and other inter-bank funds

d)

Others

-

-

-

2

-

-

-

-

II.

Other income

13

20

10

11

76

107

26

38

a)

Commission, exchange and brokerage

12

17

4

6

7

10

26

38

b)

Other miscellaneous income

1

2

5

5

69

97

-

-

Total (I+II)

630

893

412

462

520

640

772

1223

Expenditure & Provisions

III.

Interest expended

589

786

182

224

363

455

1148

1388

a)

Interest on deposits

569

757

174

213

336

409

956

1232

b)

Interest on RBI/inter-bank borrowings

-

28

8

11

27

46

192

156

c)

Others

19

-

-

-

-

1

-

-

IV.

Operating expenses

341

391

93

102

255

288

753

1014

a)

Payments to and provisions for employees

299

352

73

81

227

259

692

948

b)

Rent, taxes and lighting

6

7

3

3

4

5

17

22

c)

Printing and stationery

4

4

4

3

4

3

7

7

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

3

4

2

2

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

-

1

1

1

h)

Law charges

-

1

-

-

-

-

1

3

i)

Postage, telegrams, telephones, etc.

1

2

1

1

2

2

3

3

j)

Repairs and maintenance

1

3

3

3

-

-

2

2

k)

Insurance

17

6

1

2

2

3

1

9

l)

Other expenditure

11

13

5

5

14

13

26

14

V.

Provisions and contingencies

-114

76

56

12

-

-

2801

120

Total expenses*

930

1177

276

326

618

744

1901

2401

VI.

Profit

-185

-360

81

124

-98

-104

-3930

-1298

Total (III+IV+V+VI)

630

893

412

462

520

640

772

1223

(Amount in Rs. lakh)

For the year ended 31st March

Uttar Banga

Vaishali

Tulsi

Tungabhadra

Kshetriya

Kshetriya

Items

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(369)

(370)

(371)

(372)

(373)

(374)

(375)

(376)

Income

I.

Interest Earned

703

1055

4090

4696

1082

1361

1191

1692

a)

Interest/discount on advances/bills

226

402

2334

2907

371

442

211

331

b)

Income on Investments

474

647

1173

1260

175

281

-

4

c)

Interest on balances with

3

6

13

5

537

635

979

1357

RBI and other inter-bank funds

d)

Others

-

-

570

523

-

2

-

-

II.

Other income

37

274

315

351

152

144

12

18

a)

Commission, exchange and brokerage

37

274

91

67

105

15

11

18

b)

Other miscellaneous income

1

1

224

284

47

128

1

-

Total (I+II)

740

1329

4405

5047

1235

1504

1203

1710

Expenditure & Provisions

III.

Interest expended

547

696

2054

2434

957

1149

1329

1635

a)

Interest on deposits

502

635

1344

1662

896

1079

1287

1585

b)

Interest on RBI/inter-bank borrowings

45

62

711

771

61

70

43

50

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

454

439

1094

1226

720

820

832

976

a)

Payments to and provisions for employees

394

402

965

1076

578

654

770

896

b)

Rent, taxes and lighting

6

7

21

24

12

15

11

13

c)

Printing and stationery

6

7

15

17

6

5

6

6

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

3

4

10

12

4

5

4

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

2

3

2

1

2

2

h)

Law charges

-

1

-

2

-

1

-

-

i)

Postage, telegrams, telephones, etc.

2

3

13

17

2

3

2

2

j)

Repairs and maintenance

1

1

3

3

-

-

-

-

k)

Insurance

6

7

1

12

8

11

16

35

l)

Other expenditure

36

7

65

59

108

124

21

18

V.

Provisions and contingencies

652

-

507

263

1662

131

828

62