REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Items

Godavari

Golconda

Gomti

Gopalganj

Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya

Gramin Bank

1996

1997

1996

1997

1996

1997

1996

1997

(121)

(122)

(123)

(124)

(125)

(126)

(127)

(128)

Income

I.

Interest earned

458

632

467

608

1201

1680

687

962

a)

Interest/discount on advances/bills

341

477

77

122

331

409

50

108

b)

Income on investments

31

59

275

346

266

540

98

120

c)

Interest on balances with RBI and other

86

96

70

81

604

731

538

734

inter-bank funds

d)

Others

-

-

45

60

-

-

-

-

II.

Other income

24

16

17

10

34

40

10

14

a)

Commission, exchange, brokerage, etc.

2

5

8

10

10

10

2

3

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

-

-

1

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

22

11

9

-

23

30

8

10

Total (I+II)

482

648

484

618

1235

1721

696

975

Expenditure & Provisions

III.

Interest expended

311

410

455

553

912

1255

406

562

a)

Interest on deposits

208

274

125

166

808

1138

389

547

b)

Interest on RBI/inter-bank borrowings

102

136

298

29

103

118

17

16

c)

Others

1

-

32

358

-

-

-

-

IV.

Operating expenses

115

132

98

93

366

406

219

246

a)

Payments to and provisions for employees

94

103

76

73

333

363

200

212

b)

Rent, taxes and lighting

5

9

3

4

9

8

3

3

c)

Printing and stationery

3

4

3

2

6

6

2

2

d)

Advertisement and publicity

1

2

-

-

-

-

-

-

e)

Depreciation on Bank's property

3

3

2

2

2

3

1

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

1

1

-

-

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

2

1

1

1

1

1

1

j)

Repairs and maintenance

1

2

-

-

1

1

1

1

k)

Insurance

1

-

8

4

-

8

6

21

l)

Other expenditure

5

6

5

6

14

15

5

4

V.

Provisions and contingencies

31

25

-

28

90

9

-

309

Total expenses

457

567

553

673

1368

1671

625

1118

VI.

Profit (loss)

24

82

(70)

(55)

(133)

50

71

(142)

Total (III+IV+V+VI)

482

648

484

618

1235

1721

696

975

(Amount in Rs. lakh)

For the year ended 31st March

Items

Gorakhpur

Gurdaspur Amritsar

Gurgaon

Gwalior Datia

Kshetriya Gramin

Gramin Bank

Gramin Bank

Kshetriya Gramin

Bank

Bank

1996

1997

1996

1997

1996

1997

1996

1997

(129)

(130)

(131)

(132)

(133)

(134)

(135)

(136)

Income

I.

Interest earned

5187

6768

602

870

3248

4467

214

372

a)

Interest/discount on advances/bills

812

1034

223

261

636

1003

49

95

b)

Income on investments

4374

5735

175

256

472

3464

105

-

c)

Interest on balances with RBI and other

-

-

203

353

2140

-

59

203

inter-bank funds

d)

Others

-

-

-

-

-

-

-

74

II.

Other income

80

58

13

16

90

179

4

3

a)

Commission, exchange, brokerage, etc.

53

48

10

11

9

11

3

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

-

-

-

1

-

1

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

27

10

3

5

80

167

-

1

Total (I+II)

5267

6826

615

886

3338

4646

218

375

Expenditure & Provisions

III.

Interest expended

2951

3815

444

537

2193

2782

212

311

a)

Interest on deposits

2620

3445

382

478

1940

2488

134

211

b)

Interest on RBI/inter-bank borrowings

331

370

61

59

253

-

19

26

c)

Others

-

-

1

1

-

294

59

74

IV.

Operating expenses

1278

1393

251

269

958

1010

92

229

a)

Payments to and provisions for employees

1179

1272

202

236

803

803

83

99

b)

Rent, taxes and lighting

17

18

5

6

16

18

3

3

c)

Printing and stationery

10

11

4

4

7

9

1

2

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

4

5

3

3

4

3

1

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

2

3

1

1

2

2

-

-

h)

Law charges

1

1

-

-

1

1

-

-

i)

Postage, telegrams, telephones, etc.

4

4

2

2

2

3

-

-

j)

Repairs and maintenance

3

2

-

-

2

2

-

-

k)

Insurance

15

20

23

3

19

68

1

1

l)

Other expenditure

44

56

11

14

102

101

1

122

V.

Provisions and contingencies

-

238

45

373

6

1411

-

-

Total expenses

4230

5446

740

1179

3156

5204

304

539

VI.

Profit (loss)

1038

1380

(125)

(293)

182

(557)

(86)

(164)

Total (III+IV+V+VI)

5267

6826

615

886

3338

4646

218

375

(Amount in Rs. lakh)

For the year ended 31st March

Items

Hadoti Kshetriya

Haryana Kshetriya

Hazaribagh

Himachal

Gramin Bank

Gramin Bank

Kshetriya

Gramin Bank

Gramin Bank

1996

1997

1996

1997

1996

1997

1996

1997

(137)

(138)

(139)

(140)

(141)

(142)

(143)

(144)

Income

I.

Interest earned

512

831

869

17

286

449

1684

2311

a)

Interest/discount on advances/bills

262

374

153

(993)

38

67

328

424

b)

Income on investments

45

130

171

404

147

128

771

1129

c)

Interest on balances with RBI and other

205

327

546

606

102

255

583

756

inter-bank funds

d)

Others

-

-

-

-

-

-

1

1

II.

Other income

47

32

63

63

12

23

69

79

a)

Commission, exchange, brokerage, etc.

13

18

27

33

2

3

30

64

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

35

15

35

30

10

20

40

15

Total (I+II)

559

863

932

80

298

472

1753

2390

Expenditure & Provisions

III.

Interest expended

510

804

876

1230

171

251

1226

1668

a)

Interest on deposits

452

701

827

1141

162

237

1155

1575

b)

Interest on RBI/inter-bank borrowings

58

103

49

89

9

14

1

1

c)

Others

-

-

-

-

-

-

70

93

IV.

Operating expenses

318

353

400

450

103

120

502

715

a)

Payments to and provisions for employees

271

302

363

403

88

104

402

607

b)

Rent, taxes and lighting

8

9

7

8

3

6

9

10

c)

Printing and stationery

4

5

3

2

1

1

5

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

3

3

2

4

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1