Table 53: Liabilities and Assets of Regional Rural Banks : 2001 and 2002 (Part 4 of 10)

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Table 53: Liabilities and Assets of Regional Rural Banks : 2001 and 2002 (Part 4 of 10)

					(Amount in Rs. lakh)

	As on March 31
	Kshetriya Gramin Bank		Gorakhpur Kshetriya Gramin Bank		Gurdaspur Amritsar Gramin Bank

Items	2001	2002	2001	2002	2001	2002

	(127)	(128)	(129)	(130)	(131)	(132)

1. Capital	597	597	187	187	967	967
	(2.8)	(2.3)	(0.2)	(0.1)	(3.8)	(3.1)
2. Reserves and Surplus	1267	1678	16275	19155	1007	2066
	(5.9)	(6.5)	(13.1)	(13.9)	(4.0)	(6.6)
3. Deposits	18226	21921	81296	92001	20613	25102
	(85.1)	(85.0)	(65.5)	(67.0)	(81.8)	(80.1)
3.1. Demand deposits	194	160	4405	4248	1437	1387
3.2. Savings bank deposits	9057	11353	41653	47007	7608	10294
3.3. Term deposits	8975	10408	35237	40745	11568	13421
4. Borrowings	366	425	7645	8441	1589	2494
	(1.7)	(1.6)	(6.2)	(6.1)	(6.3)	(8.0)
4.1. From banks*	0	0	7645	8441	209	588
4.2. From others	366	425	0	0	1380	1907
5. Other liabilities	964	1169	18758	17594	1038	699
	(4.5)	(4.5)	(15.1)	(12.8)	(4.1)	(2.2)
5.1. Bills Payable	0	0	0	0	164	27
5.2. Inter-office adjustments	0	0	661	201	22	0
5.3. Interest accrued	0	0	14287	13301	146	162
5.4. Others (including provisions)	964	1169	3811	4092	707	510

Total Liabilities	21420	25790	124160	137377	25215	31329

1. Cash in hand	148	158	954	1002	118	222
	(0.7)	(0.6)	(0.8)	(0.7)	(0.5)	(0.7)
2. Balances with RBI	517	1129	2824	5714	591	1341
	(2.4)	(4.4)	(2.3)	(4.2)	(2.3)	(4.3)
3. Balances with banks in India	13730	17508	5723	4194	7727	7608
	(64.1)	(67.9)	(4.6)	(3.1)	(30.6)	(24.3)
4. Money at call and short notice	0	0	73448	84660	0	0
	(0.0)	(0.0)	(59.2)	(61.6)	(0.0)	(0.0)
5. Investments	1147	1046	15087	14017	9091	12496
	(5.4)	(4.1)	(12.2)	(10.2)	(36.1)	(39.9)
6. Advances	2634	3088	24166	25633	6111	8398
	(12.3)	(12.0)	(19.5)	(18.7)	(24.2)	(26.8)
6.1. Bills purchased and discounted	0	0	10	17	0	0
6.2. Cash credits, overdrafts & loans	291	444	10387	11496	3228	4764
6.3. Term loans	2343	2644	13769	14119	2883	3633
7. Fixed Assets	23	26	80	77	86	107
	(0.1)	(0.1)	(0.1)	(0.1)	(0.3)	(0.3)
8. Other Assets	3221	2836	1879	2080	1491	1158
	(15.0)	(11.0)	(1.5)	(1.5)	(5.9)	(3.7)
8.1. Inter - office adjustments (net)	408	304	0	0	0	30
8.2. Interest accrued	2791	2513	1824	2023	570	840
8.3. Others	22	19	56	56	921	287

Total Assets	21420	25790	124160	137377	25215	31329
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

					(Amount in Rs. lakh)

	As on March 31
	Gurgaon Gramin Bank		Gwalior Datia Kshetriya Gramin Bank		Hadoti Kshetriya Gramin Bank

Items	2001	2002	2001	2002	2001	2002

	(133)	(134)	(135)	(136)	(137)	(138)

1. Capital	1649	1675	100	100	610	610
	(2.4)	(2.2)	(1.1)	(0.9)	(2.5)	(2.2)
2. Reserves and Surplus	5421	8318	0	0	0	0
	(7.8)	(11.0)	(0.0)	(0.0)	(0.0)	(0.0)
3. Deposits	53828	58109	7631	8824	19680	22339
	(77.9)	(76.9)	(82.4)	(82.5)	(80.7)	(82.1)
3.1. Demand deposits	830	814	221	263	872	1149
3.2. Savings bank deposits	21083	23596	2566	3299	6871	8219
3.3. Term deposits	31914	33700	4843	5263	11936	12972
4. Borrowings	5407	5671	637	733	2227	2421
	(7.8)	(7.5)	(6.9)	(6.9)	(9.1)	(8.9)
4.1. From banks*	1111	1266	0	733	168	210
4.2. From others	4296	4405	637	0	2059	2211
5. Other liabilities	2757	1835	895	1043	1872	1843
	(4.0)	(2.4)	(9.7)	(9.7)	(7.7)	(6.8)
5.1. Bills Payable	0	0	0	0	0	0
5.2. Inter-office adjustments	50	24	0	11	0	0
5.3. Interest accrued	480	519	0	0	91	101
5.4. Others (including provisions)	2227	1293	895	1032	1781	1742

Total Liabilities	69062	75609	9263	10700	24388	27214

1. Cash in hand	142	146	113	123	474	646
	(0.2)	(0.2)	(1.2)	(1.1)	(1.9)	(2.4)
2. Balances with RBI	1548	3173	235	495	541	1234
	(2.2)	(4.2)	(2.5)	(4.6)	(2.2)	(4.5)
3. Balances with banks in India	29791	31441	3916	5063	9122	11102
	(43.1)	(41.6)	(42.3)	(47.3)	(37.4)	(40.8)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	11305	13748	306	306	226	226
	(16.4)	(18.2)	(3.3)	(2.9)	(0.9)	(0.8)
6. Advances	23957	23916	3367	3672	8373	9867
	(34.7)	(31.6)	(36.3)	(34.3)	(34.3)	(36.3)
6.1. Bills purchased and discounted	0	1	0	0	0	4
6.2. Cash credits, overdrafts & loans	8877	8446	562	462	2599	3693
6.3. Term loans	15079	15469	2805	3210	5774	6171
7. Fixed Assets	89	211	20	24	51	58
	(0.1)	(0.3)	(0.2)	(0.2)	(0.2)	(0.2)
8. Other Assets	2230	2974	1306	1016	5601	4080
	(3.2)	(3.9)	(14.1)	(9.5)	(23.0)	(15.0)
8.1. Inter - office adjustments (net)	0	0	43	0	309	156
8.2. Interest accrued	1771	2460	815	752	1983	1191
8.3. Others	459	514	448	265	3310	2734

Total Assets	69062	75609	9263	10700	24388	27214
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

					(Amount in Rs. lakh)

	As on March 31
	Haryana Kshetriya Gramin Bank		Hazaribagh Kshetriya Gramin Bank		Himachal Gramin Bank

Items	2001	2002	2001	2002	2001	2002

	(139)	(140)	(141)	(142)	(143)	(144)

1. Capital	1368	1501	311	311	1140	1140
	(4.2)	(4.0)	(2.8)	(2.4)	(2.5)	(2.1)
2. Reserves and Surplus	63	63	628	817	227	885
	(0.2)	(0.2)	(5.6)	(6.4)	(0.5)	(1.6)
3. Deposits	27786	32832	9170	10414	42113	49240
	(85.9)	(86.5)	(81.5)	(81.7)	(90.6)	(91.0)
3.1. Demand deposits	254	441	109	105	1201	1681
3.2. Savings bank deposits	10481	12832	4276	4886	11074	13612
3.3. Term deposits	17050	19558	4786	5423	29838	33947
4. Borrowings	2072	3063	553	442	1719	1190
	(6.4)	(8.1)	(4.9)	(3.5)	(3.7)	(2.2)
4.1. From banks*	57	6	0	0	269	33
4.2. From others	2015	3057	553	442	1451	1157
5. Other liabilities	1061	503	587	757	1268	1675
	(3.3)	(1.3)	(5.2)	(5.9)	(2.7)	(3.1)
5.1. Bills Payable	0	5	2	3	40	28
5.2. Inter-office adjustments	1	3	0	43	153	359
5.3. Interest accrued	56	62	0	0	50	51
5.4. Others (including provisions)	1004	432	585	711	1025	1237

Total Liabilities	32350	37961	11248	12742	46468	54131

1. Cash in hand	378	418	56	66	667	706
	(1.2)	(1.1)	(0.5)	(0.5)	(1.4)	(1.3)
2. Balances with RBI	809	1731	272	546	1322	2750
	(2.5)	(4.6)	(2.4)	(4.3)	(2.8)	(5.1)
3. Balances with banks in India	283	12043	3052	3454	20982	23865
	(0.9)	(31.7)	(27.1)	(27.1)	(45.2)	(44.1)
4. Money at call and short notice	10318	0	0	0	0	0
	(31.9)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	3479	4144	4921	5421	11057	10725
	(10.8)	(10.9)	(43.7)	(42.5)	(23.8)	(19.8)
6. Advances	13373	15852	2447	2707	10107	13124
	(41.3)	(41.8)	(21.8)	(21.2)	(21.8)	(24.2)
6.1. Bills purchased and discounted	1491	0	0	0	348	363
6.2. Cash credits, overdrafts & loans	0	1756	805	981	4542	4840
6.3. Term loans	11882	14096	1643	1725	5218	7921
7. Fixed Assets	67	65	11	10	83	85
	(0.2)	(0.2)	(0.1)	(0.1)	(0.2)	(0.2)
8. Other Assets	3642	3708	490	539	2250	2875
	(11.3)	(9.8)	(4.4)	(4.2)	(4.8)	(5.3)
8.1. Inter - office adjustments (net)	0	0	16	0	0	0
8.2. Interest accrued	754	1188	0	0	1313	2692
8.3. Others	2888	2520	473	539	936	183

Total Assets	32350	37961	11248	12742	46468	54131
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

					(Amount in Rs. lakh)

	As on March 31
	Hindon Gramin Bank		Hissar-Sirsa Kshetriya Gramin Bank		Howrah Gramin Bank

Items	2001	2002	2001	2002	2001	2002

	(145)	(146)	(147)	(148)	(149)	(150)

1. Capital	414	414	456	519	665	665
	(7.2)	(6.4)	(3.1)	(3.2)	(2.2)	(1.8)
2. Reserves and Surplus	5	179	756	1080	152	451
	(0.1)	(2.8)	(5.2)	(6.7)	(0.5)	(1.2)
3. Deposits	4797	5276	10871	12006	23297	29300
	(83.7)	(81.9)	(74.3)	(74.0)	(76.0)	(77.6)
3.1. Demand deposits	227	124	504	604	301	462
3.2. Savings bank deposits	2509	2891	3178	3465	8929	11657
3.3. Term deposits	2062	2261	7188	7937	14067	17180
4. Borrowings	289	305	2176	2090	1170	1875
	(5.0)	(4.7)	(14.9)	(12.9)	(3.8)	(5.0)
4.1. From banks*	43	9	275	314	200	0
4.2. From others	246	296	1901	1776	970	1875
5. Other liabilities	225	271	381	520	5363	5446
	(3.9)	(4.2)	(2.6)	(3.2)	(17.5)	(14.4)
5.1. Bills Payable	25	84	14	17	2	24
5.2. Inter-office adjustments	0	0	37	34	36	0
5.3. Interest accrued	14	13	28	92	4558	4405
5.4. Others (including provisions)	185	173	303	377	767	1016

Total Liabilities	5730	6445	14640	16215	30647	37736

1. Cash in hand	65	71	60	117	234	506
	(1.1)	(1.1)	(0.4)	(0.7)	(0.8)	(1.3)
2. Balances with RBI	147	286	328	673	1066	1936
	(2.6)	(4.4)	(2.2)	(4.2)	(3.5)	(5.1)
3. Balances with banks in India	325	349	4857	3747	14762	17977
	(5.7)	(5.4)	(33.2)	(23.1)	(48.2)	(47.6)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	3166	3246	1501	1670	9172	9897
	(55.3)	(50.4)	(10.3)	(10.3)	(29.9)	(26.2)
6. Advances	1569	2038	7367	9243	4618	6352
	(27.4)	(31.6)	(50.3)	(57.0)	(15.1)	(16.8)
6.1. Bills purchased and discounted	0	4	1	48	0	876
6.2. Cash credits, overdrafts & loans	664	1302	3972	5506	1970	2134
6.3. Term loans	905	732	3395	3689	2648	3342
7. Fixed Assets	13	13	49	69	42	40
	(0.2)	(0.2)	(0.3)	(0.4)	(0.1)	(0.1)
8. Other Assets	444	442	478	695	752	1028
	(7.7)	(6.9)	(3.3)	(4.3)	(2.5)	(2.7)
8.1. Inter - office adjustments (net)	21	1	0	0	0	20
8.2. Interest accrued	390	300	401	525	709	961
8.3. Others	33	141	77	169	42	47

Total Assets	5730	6445	14640	16215	30647	37736
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

					(Amount in Rs. lakh)

	As on March 31
	Indore Ujjain Gramin Bank		Jaipur Nagaur Anchalik Gramin Bank		Jammu Rural Bank

Items	2001	2002	2001	2002	2001	2002

	(151)	(152)	(153)	(154)	(155)	(156)

1. Capital	628	654	1241	1241	1472	1472
	(6.5)	(6.5)	(2.8)	(2.5)	(3.2)	(2.8)
2. Reserves and Surplus	0	0	558	994	1624	2493
	(0.0)	(0.0)	(1.2)	(2.0)	(3.6)	(4.8)
3. Deposits	7607	8166	34612	40210	34348	40921
	(79.3)	(80.7)	(76.9)	(79.7)	(75.3)	(78.6)
3.1. Demand deposits	357	238	1924	2638	1128	1739
3.2. Savings bank deposits	2027	2153	11799	14703	11638	14463
3.3. Term deposits	5223	5775	20889	22868	21581	24718
4. Borrowings	1046	996	2743	2964	1842	2051
	(10.9)	(9.8)	(6.1)	(5.9)	(4.0)	(3.9)
4.1. From banks*	70	63	0	0	27	92
4.2. From others	976	933	2743	2964	1815	1959
5. Other liabilities	317	307	5851	5063	6325	5130
	(3.3)	(3.0)	(13.0)	(10.0)	(13.9)	(9.9)
5.1. Bills Payable	29	15	110	1017	41	54
5.2. Inter-office adjustments	8	16	9	63	533	53
5.3. Interest accrued	27	26	4543	3779	4930	4242
5.4. Others (including provisions)	254	250	1189	204	821	782

Total Liabilities	9598	10123	45005	50471	45611	52068

1. Cash in hand	35	43	474	473	215	339
	(0.4)	(0.4)	(1.1)	(0.9)	(0.5)	(0.7)
2. Balances with RBI	218	437	1438	2407	1106	2806
	(2.3)	(4.3)	(3.2)	(4.8)	(2.4)	(5.4)
3. Balances with banks in India	4943	4558	17106	20979	35765	39416
	(51.5)	(45.0)	(38.0)	(41.6)	(78.4)	(75.7)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	816	846	13744	12417	500	500
	(8.5)	(8.4)	(30.5)	(24.6)	(1.1)	(1.0)
6. Advances	3003	3619	10376	11141	5672	6503
	(31.3)	(35.7)	(23.1)	(22.1)	(12.4)	(12.5)
6.1. Bills purchased and discounted	0	0	42	4	95	245
6.2. Cash credits, overdrafts & loans	957	1338	2940	3587	252	414
6.3. Term loans	2045	2281	7393	7550	5325	5844
7. Fixed Assets	20	22	24	36	63	79
	(0.2)	(0.2)	(0.1)	(0.1)	(0.1)	(0.2)
8. Other Assets	563	598	1844	3018	2290	2424
	(5.9)	(5.9)	(4.1)	(6.0)	(5.0)	(4.7)
8.1. Inter - office adjustments (net)	0	0	0	0	0	0
8.2. Interest accrued	117	118	1661	2805	896	1026
8.3. Others	446	480	184	214	1394	1398

Total Assets	9598	10123	45005	50471	45611	52068
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

					(Amount in Rs. lakh)

	As on March 31
	Jamnagar Rajkot Gramin Bank		Jamuna Gramin Bank		Jhbua Dhar Kshetriya Gramin Bank

Items	2001	2002	2001	2002	2001	2002

	(157)	(158)	(159)	(160)	(161)	(162)

1. Capital	1097	1097	1048	1048	628	628
	(5.3)	(4.7)	(5.4)	(4.6)	(3.0)	(2.8)
2. Reserves and Surplus	72	394	245	565	0	0
	(0.3)	(1.7)	(1.3)	(2.5)	(0.0)	(0.0)
3. Deposits	13728	15606	16364	19082	17307	18275
	(65.9)	(66.2)	(83.7)	(84.7)	(82.3)	(82.2)
3.1. Demand deposits	1434	470	361	402	750	738
3.2. Savings bank deposits	3447	4516	5477	6788	5689	6076
3.3. Term deposits	8847	10621	10526	11892	10867	11461
4. Borrowings	3545	3745	1312	942	2280	2396
	(17.0)	(15.9)	(6.7)	(4.2)	(10.8)	(10.8)
4.1. From banks*	2562	1200	247	10	2280	2396
4.2. From others	983	2545	1065	932	0	0
5. Other liabilities	2387	2724	576	897	804	931
	(11.5)	(11.6)	(2.9)	(4.0)	(3.8)	(4.2)
5.1. Bills Payable	0	0	30	77	3	21
5.2. Inter-office adjustments	74	4	107	449	0	71
5.3. Interest accrued	2116	2377	49	61	90	91
5.4. Others (including provisions)	197	344	389	311	711	749

Total Liabilities	20828	23567	19543	22534	21018	22230

1. Cash in hand	65	87	389	598	292	280
	(0.3)	(0.4)	(2.0)	(2.7)	(1.4)	(1.3)
2. Balances with RBI	442	1007	495	981	490	967
	(2.1)	(4.3)	(2.5)	(4.4)	(2.3)	(4.3)
3. Balances with banks in India	7662	8321	10130	10372	7409	7611
	(36.8)	(35.3)	(51.8)	(46.0)	(35.3)	(34.2)
4. Money at call and short notice	0	0	0	0	0	0
	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	3672	3461	3640	5645	743	743
	(17.6)	(14.7)	(18.6)	(25.1)	(3.5)	(3.3)
6. Advances	8084	9401	4470	4323	8493	8973
	(38.8)	(39.9)	(22.9)	(19.2)	(40.4)	(40.4)
6.1. Bills purchased and discounted	0	0	7	1	1	1
6.2. Cash credits, overdrafts & loans	6110	7948	885	2332	195	174
6.3. Term loans	1973	1452	3578	1989	8296	8798
7. Fixed Assets	16	31	24	22	31	39
	(0.1)	(0.1)	(0.1)	(0.1)	(0.1)	(0.2)
8. Other Assets	889	1259	396	592	3560	3618
	(4.3)	(5.3)	(2.0)	(2.6)	(16.9)	(16.3)
8.1. Inter - office adjustments (net)	0	0	0	415	4	0
8.2. Interest accrued	808	1138	241	57	0	165
8.3. Others	81	121	155	121	3556	3453

Total Assets	20828	23567	19543	22534	21018	22230
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)

					(Amount in Rs. lakh)

	As on March 31
	Junagadh Amreli Gramin Bank		Ka Bank Nongkyndong		Kakathiya Gramin Bank

Items	2001	2002	2001	2002	2001	2002

	(163)	(164)	(165)	(166)	(167)	(168)

1. Capital	564	564	260	260	1038	1038
	(6.3)	(5.8)	(1.7)	(1.5)	(6.3)	(5.0)
2. Reserves and Surplus	183	338	1364	1786	0	0
	(2.0)	(3.5)	(8.8)	(10.0)	(0.0)	(0.0)
3. Deposits	5887	6527	12263	14322	11299	13566
	(65.5)	(67.0)	(78.8)	(80.2)	(68.7)	(65.7)
3.1. Demand deposits	68	39	1877	1479	693	930
3.2. Savings bank deposits	1396	1787	4807	6214	2291	2484
3.3. Term deposits	4424	4700	5579	6628	8315	10152
4. Borrowings	1381	1257	647	538	2385	3612
	(15.4)	(12.9)	(4.2)	(3.0)	(14.5)	(17.5)
4.1. From banks*	337	440	16	14	564	624
4.2. From others	1044	817	632	524	1822	2988
5. Other liabilities	967	1054	1023	950	1731	2440
	(10.8)	(10.8)	(6.6)	(5.3)	(10.5)	(11.8)
5.1. Bills Payable	7	3	0	0	0	0
5.2. Inter-office adjustments	27	11	0	0	0	20
5.3. Interest accrued	809	875	625	705	1697	2342
5.4. Others (including provisions)	124	165	399	245	33	78

Total Liabilities	8983	9740	15557	17856	16453	20656

1. Cash in hand	68	72	126	124	401	281
	(0.8)	(0.7)	(0.8)	(0.7)	(2.4)	(1.4)
2. Balances with RBI	182	425	345	766	397	834
	(2.0)	(4.4)	(2.2)	(4.3)	(2.4)	(4.0)
3. Balances with banks in India	71	37	7464	8842	6547	8031
	(0.8)	(0.4)	(48.0)	(49.5)	(39.8)	(38.9)
4. Money at call and short notice	2320	2539	0	0	0	0
	(25.8)	(26.1)	(0.0)	(0.0)	(0.0)	(0.0)
5. Investments	2632	2455	4730	4858	218	218
	(29.3)	(25.2)	(30.4)	(27.2)	(1.3)	(1.1)
6. Advances	3060	3335	2178	2568	7765	9880
	(34.1)	(34.2)	(14.0)	(14.4)	(47.2)	(47.8)
6.1. Bills purchased and discounted	0	0	0	0	0	0
6.2. Cash credits, overdrafts & loans	2242	2471	772	956	6866	8927
6.3. Term loans	818	863	1405	1612	900	953
7. Fixed Assets	13	26	20	22	61	66
	(0.1)	(0.3)	(0.1)	(0.1)	(0.4)	(0.3)
8. Other Assets	638	851	694	677	1065	1347
	(7.1)	(8.7)	(4.5)	(3.8)	(6.5)	(6.5)
8.1. Inter - office adjustments (net)	34	9	5	4	21	0
8.2. Interest accrued	511	710	664	643	129	132
8.3. Others	93	131	26	30	915	1215

Total Assets	8983	9740	15557	17856	16453	20656
	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)	(100.0)