(Amount in Rs. lakh)

As on 31st March

Balasore Gramya

Ballia Kshetriya

Banaskantha

Bara Banki

Bardhaman

Bareilly Kshetriya

Bank

Gramin Bank

Mehsana

Gramin Bank

Gramin Bank

Gramin Bank

Items

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

1997

1998

1997

1998

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

(33)

(34)

(35)

(36)

1.

Capital

88

88

1321

1321

100

742

100

483

921

921

100

100

(1.4)

(1.2)

(7.0)

(6.0)

(1.1)

(7.1)

(0.5)

(2.4)

(5.2)

(4.2)

(1.0)

(0.7)

2.

Reserves and Surplus

-

-

8

8

-

-

453

444

-

-

-

-

-

-

-

-

-

-

(2.5)

(2.2)

-

-

-

-

3.

Deposits

3758

4608

13533

16629

5916

7047

15536

17092

13490

17176

8812

13125

(58.7)

(61.2)

(71.5)

(75.4)

(67.7)

(67.2)

(85.2)

(84.9)

(75.9)

(78.1)

(83.9)

(89.5)

3.1.

Demand deposits

49

45

260

654

140

136

747

996

94

124

348

426

3.2.

Savings bank deposits

1164

1412

5746

7449

2080

2295

8256

8910

5569

6714

4490

8045

3.3.

Term deposits

2544

3151

7526

8527

3696

4616

6533

7186

7827

10338

3975

4654

4.

Borrowings

1220

1220

1158

1107

1411

1593

1333

1314

1004

1028

918

1103

(19.1)

(16.2)

(6.1)

(5.0)

(16.1)

(15.2)

(7.3)

(6.5)

(5.7)

(4.7)

(8.7)

(7.5)

4.1.

From banks*

119

119

0

49

169

190

1333

147

8

26

140

200

4.2.

From others

1101

1101

1158

1058

1242

1403

-

1167

997

1003

778

903

5.

Other liabilities

1337

1611

2910

2952

1317

1104

814

809

2361

2860

667

333

(20.9)

(21.4)

(15.4)

(13.4)

(15.1)

(10.5)

(4.5)

(4.0)

(13.3)

(13.0)

(6.4)

(2.3)

5.1.

Bills Payable

-

-

17

26

4

10

37

38

-

5

24

68

5.2.

Inter-office adjustments

36

15

-

-

31

-

41

64

77

23

-

28

5.3.

Interest accrued

631

817

-

-

670

691

31

15

1220

1733

64

89

5.4.

Others (including provisions)

670

779

2893

2925

613

403

705

692

1064

1099

579

148

Total Liabilities

6402

7527

18930

22053

8745

10485

18236

20143

17776

21984

10497

14660

1.

Cash in hand

43

66

118

101

92

120

179

178

154

193

150

191

(0.7)

(0.9)

(0.6)

(0.5)

(1.1)

(1.1)

(1.0)

(0.9)

(0.9)

(0.9)

(1.4)

(1.3)

2.

Balances with RBI

116

137

408

481

198

220

469

522

456

541

275

400

(1.8)

(1.8)

(2.2)

(2.2)

(2.3)

(2.1)

(2.6)

(2.6)

(2.6)

(2.5)

(2.6)

(2.7)

3.

Balances with banks in India

221

594

7564

10022

1857

2880

4858

4651

740

6238

2992

5405

(3.4)

(7.9)

(40.0)

(45.4)

(21.2)

(27.5)

(26.6)

(23.1)

(4.2)

(28.4)

(28.5)

(36.9)

4.

Money at call and short notice

-

-

-

-

-

-

-

-

3718

-

96

-

-

-

-

-

-

-

-

-

(20.9)

-

(0.9)

-

5.

Investments

-

-

2878

3352

1298

1716

7751

8720

5976

6880

1380

2718

-

-

(15.2)

(15.2)

(14.8)

(16.4)

(42.5)

(43.3)

(33.6)

(31.3)

(13.1)

(18.5)

6.

Advances

3020

2954

5435

5709

2827

2988

2813

3017

4821

5422

2749

2760

(47.2)

(39.2)

(28.7)

(25.9)

(32.3)

(28.5)

(15.4)

(15.0)

(27.1)

(24.7)

(26.2)

(18.8)

6.1.

Bills purchased and discounted

7

2

-

-

-

-

-

-

-

-

-

-

6.2.

Cash credits, overdrafts & loans

652

685

487

593

503

803

2813

733

265

341

1256

-

6.3.

Term loans

2360

2267

4947

5116

2324

2185

-

2284

4556

5081

1493

2760

7.

Fixed Assets

15

14

14

13

14

15

22

23

24

22

12

11

(0.2)

(0.2)

(0.1)

(0.1)

(0.2)

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

8.

Other Assets

2987

3762

2513

2339

2459

2547

2144

3033

1887

2688

2842

3175

(46.7)

(50.0)

(13.3)

(10.6)

(28.1)

(24.3)

(11.8)

(15.1)

(10.6)

(12.2)

(27.1)

(21.7)

8.1.

Inter - office adjustments (net)

-

-

-

-

-

12

-

-

-

-

7

-

8.2.

Interest accrued

9

15

-

-

138

168

2108

2950

1072

2033

412

753

8.3.

Others

2978

3748

2513

2339

2320

2367

36

83

815

656

2423

2422

Total Assets

6402

7527

18930

22053

8745

10485

18236

20143

17776

21984

10497

14660

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(Amount in Rs. lakh)

As on 31st March

Bastar Kshetriya

Basti Gramin

Begusarai Kshetriya

Bhagalpur Banka

Bhagirath

Bhandara

Gramin Bank

Bank

Gramin Bank

Kshetriya

Gramin Bank

Gramin Bank

Items

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

1997

1998

1997

1998

(37)

(38)

(39)

(40)

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

1.

Capital

100

100

100

187

75

177

71

100

309

309

100

100

(2.0)

(1.6)

(0.5)

(0.8)

(3.1)

(4.9)

(2.0)

(1.3)

(1.2)

(1.0)

(2.2)

(1.8)

2.

Reserves and Surplus

-

-

73

73

-

-

-

-

1198

2238

-

-

-

-

(0.4)

(0.3)

-

-

-

-

(4.8)

(7.2)

-

-

3.

Deposits

4127

4992

13452

17719

1784

2854

2806

3928

20887

25668

3625

4673

(81.4)

(81.6)

(72.2)

(75.4)

(73.9)

(79.3)

(80.3)

(50.1)

(83.3)

(82.6)

(80.3)

(81.9)

3.1.

Demand deposits

343

580

334

642

65

239

179

204

1201

2844

59

61

3.2.

Savings bank deposits

1795

1944

7658

10510

828

1402

1414

1965

11841

14361

1484

1989

3.3.

Term deposits

1988

2469

5459

6568

891

1213

1212

1759

7845

8463

2082

2623

4.

Borrowings

198

277

1656

1868

119

118

208

467

1747

1769

420

514

(3.9)

(4.5)

(8.9)

(7.9)

(4.9)

(3.3)

(5.9)

(6.0)

(7.0)

(5.7)

(9.3)

(9.0)

4.1.

From banks*

-

-

120

120

-

-

-

-

270

270

64

63

4.2.

From others

198

277

1536

1748

119

118

208

467

1477

1499

355

451

5.

Other liabilities

643

750

3351

3652

437

450

408

3342

946

1106

368

422

(12.7)

(12.3)

(18.0)

(15.5)

(18.1)

(12.5)

(11.7)

(42.6)

(3.8)

(3.6)

(8.1)

(7.4)

5.1.

Bills Payable

49

36

30

34

-

-

-

-

32

90

-

-

5.2.

Inter-office adjustments

-

18

-

118

-

-

12

2774

70

99

-

-

5.3.

Interest accrued

389

449

1513

1600

106

166

162

234

21

19

-

-

5.4.

Others (including provisions)

205

247

1809

1900

331

284

234

334

824

898

368

422

Total Liabilities

5068

6120

18633

23499

2415

3599

3492

7837

25087

31090

4512

5709

1.

Cash in hand

32

40

172

158

35

52

59

54

475

432

62

82

(0.6)

(0.7)

(0.9)

(0.7)

(1.5)

(1.4)

(1.7)

(0.7)

(1.9)

(1.4)

(1.4)

(1.4)

2.

Balances with RBI

138

173

440

570

61

90

79

114

640

763

111

145

(2.7)

(2.8)

(2.4)

(2.4)

(2.5)

(2.5)

(2.3)

(1.5)

(2.5)

(2.5)

(2.5)

(2.5)

3.

Balances with banks in India

1729

2131

5845

8923

1052

1770

1233

1996

12279

14598

1000

1278

(34.1)

(34.8)

(31.4)

(38.0)

(43.5)

(49.2)

(35.3)

(25.5)

(48.9)

(47.0)

(22.2)

(22.4)

4.

Money at call and short notice

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5.

Investments

75

7

5750

6979

247

515

285

359

5690

7705

365

424

(1.5)

(0.1)

(30.9)

(29.7)

(10.2)

(14.3)

(8.2)

(4.6)

(22.7)

(24.8)

(8.1)

(7.4)

6.

Advances

770

1136

4797

5279

655

700

1348

1949

4108

4179

1532

2123

(15.2)

(18.6)

(25.7)

(22.5)

(27.1)

(19.4)

(38.6)

(24.9)

(16.4)

(13.4)

(34.0)

(37.2)

6.1.

Bills purchased and discounted

-

-

-

-

1

-

2

3

1

-

-

-

6.2.

Cash credits, overdrafts & loans

253

349

1135

2111

22

26

84

109

4108

4178

588

823

6.3.

Term loans

516

787

3662

3168

632

674

1262

1837

-

-

944

1299

7.

Fixed Assets

6

6

15

14

7

10

18

22

20

24

15

19

(0.1)

(0.1)

(0.1)

(0.1)

(0.3)

(0.3)

(0.5)

(0.3)

(0.1)

(0.1)

(0.3)

(0.3)

8.

Other Assets

2318

2627

1613

1577

358

463

470

3341

1875

3390

1427

1638

(45.7)

(42.9)

(8.7)

(6.7)

(14.8)

(12.9)