(Amount in Rs. lakh)

As on 31st March

Adhiyaman

Akola

Alaknanda

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(1)

(2)

(3)

(4)

(5)

(6)

1.

Capital

100

100

100

100

100

100

(2.3)

(2.1)

(2.0)

(1.9)

(1.6)

(1.4)

2.

Reserves and Surplus

274

307

-

275

303

401

(6.3)

(6.4)

(-)

(5.1)

(4.9)

(5.4)

3.

Deposits

2920

3086

3290

4100

4732

5731

(67.3)

(64.4)

(66.0)

(76.1)

(76.9)

(77.5)

3.1.

Demand deposits

58

74

97

132

139

232

3.2.

Savings bank deposits

1435

1340

1776

2410

2081

2433

3.3.

Term deposits

1427

1672

1416

1558

2512

3066

4.

Borrowings

792

948

659

640

430

480

(18.3)

(19.8)

(13.2)

(11.9)

(7.0)

(6.5)

4.1.

From banks*

187

219

117

113

27

31

4.2.

From others

605

729

542

527

403

449

5.

Other liabilities

251

353

935

273

588

687

(5.8)

(7.4)

(18.8)

(5.1)

(9.6)

(9.3)

5.1.

Bills Payable

-

-

5

8

16

16

5.2.

Inter-office adjustments

14

25

-

-

15

-

5.3.

Interest accrued

31

40

41

42

497

649

5.4.

Others (including provisions)

207

289

888

224

60

22

Total Liabilities

4337

4794

4984

5388

6152

7400

1.

Cash in hand

41

51

66

76

71

70

(1.0)

(1.1)

(1.3)

(1.4)

(1.2)

(0.9)

2.

Balances with RBI

89

108

102

114

155

191

(2.0)

(2.3)

(2.0)

(2.1)

(2.5)

(2.6)

3.

Balances with banks in India

1261

1551

1332

2088

3359

3809

(29.1)

(32.4)

(26.7)

(38.7)

(54.6)

(51.5)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

187

425

-

-

632

632

(4.3)

(8.9)

(-)

(-)

(10.3)

(8.5)

6.

Advances

2514

2471

2040

1563

1001

1163

(58.0)

(51.5)

(40.9)

(29.0)

(16.3)

(15.7)

6.1.

Bills purchased and discounted

1

9

1

-

-

-

6.2.

Cash credits, overdrafts & loans

1888

1728

481

527

290

340

6.3.

Term loans

625

734

1559

1036

711

823

7.

Fixed Assets

16

19

11

12

7

9

(0.4)

(0.4)

(0.2)

(0.2)

(0.1)

(0.1)

8.

Other Assets

228

168

1432

1534

926

1525

(5.3)

(3.5)

(28.7)

(28.5)

(15.1)

(20.6)

8.1.

Inter - office adjustments (net)

-

-

24

4

-

176

8.2.

Interest accrued

13

45

-

-

585

1054

8.3.

Others

215

123

1409

1530

341

295

Total Assets

4337

4794

4984

5388

6152

7400

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Items

Aligarh Gramin Bank

Allahabad Kshetriya

Alwar Bharatpur

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(7)

(8)

(9)

(10)

(11)

(12)

1.

Capital

100

100

100

100

100

100

(0.4)

(0.3)

(0.5)

(0.4)

(0.8)

(0.7)

2.

Reserves and Surplus

1772

2450

-

-

-

-

(6.3)

(7.1)

(-)

(-)

(-)

(-)

3.

Deposits

21480

26548

18291

23394

10447

12304

(76.1)

(76.8)

(87.5)

(91.7)

(86.8)

(84.9)

3.1.

Demand deposits

482

605

898

2130

600

582

3.2.

Savings bank deposits

7812

9360

8923

10962

3929

4717

3.3.

Term deposits

13186

16582

8470

10302

5918

7005

4.

Borrowings

3661

4039

723

774

900

1391

(13.0)

(11.7)

(3.5)

(3.0)

(7.5)

(9.6)

4.1.

From banks*

668

764

-

-

43

73

4.2.

From others

2993

3275

723

774

857

1317

5.

Other liabilities

1202

1453

1782

1256

586

700

(4.3)

(4.2)

(8.5)

(4.9)

(4.9)

(4.8)

5.1.

Bills Payable

205

223

26

105

46

46

5.2.

Inter-office adjustments

205

389

790

-

57

118

5.3.

Interest accrued

75

16

96

121

23

27

5.4.

Others (including provisions)

717

826

870

1030

460

509

Total Liabilities

28214

34590

20896

25525

12033

14495

1.

Cash in hand

501

616

208

201

220

244

(1.8)

(1.8)

(1.0)

(0.8)

(1.8)

(1.7)

2.

Balances with RBI

645

810

600

779

323

394

(2.3)

(2.3)

(2.9)

(3.1)

(2.7)

(2.7)

3.

Balances with banks in India

6822

11324

6062

10887

2980

3784

(24.2)

(32.7)

(29.0)

(42.7)

(24.8)

(26.1)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

10190

9910

3814

3984

2363

2322

(36.1)

(28.6)

(18.3)

(15.6)

(19.6)

(16.0)

6.

Advances

8814

10845

4163

4601

3036

4061

(31.2)

(31.4)

(19.9)

(18.0)

(25.2)

(28.0)

6.1.

Bills purchased and discounted

-

-

1

-

1

12

6.2.

Cash credits, overdrafts & loans

2863

4165

202

73

762

898

6.3.

Term loans

5951

6680

3961

4528

2273

3151

7.

Fixed Assets

35

38

33

36

18

21

(0.1)

(0.1)

(0.2)

(0.1)

(0.1)

(0.1)

8.

Other Assets

1207

1048

6016

5037

3094

3669

(4.3)

(3.0)

(28.8)

(19.7)

(25.7)

(25.3)

8.1.

Inter - office adjustments (net)

-

-

-

9

-

-

8.2.

Interest accrued

572

861

-

792

165

338

8.3.

Others

635

187

6016

4236

2928

3331

Total Assets

28214

34590

20896

25525

12033

14495

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Items

Ambala Kurukshetra

Aravali Kshetriya

Arunachal Pradesh

Gramin Bank

Gramin Bank

Rural Bank

1998

1999

1998

1999

1998

1999

(13)

(14)

(15)

(16)

(17)

(18)

1.

Capital

96

96

100

100

100

100

(1.0)

(0.9)

(1.1)

(0.9)

(3.5)

(2.9)

2.

Reserves and Surplus

417

417

-

497

211

211

(4.5)

(3.8)

(-)

(4.3)

(7.5)

(6.1)

3.

Deposits

6832

8408

7669

9100

2019

2399

(72.9)

(76.1)

(84.2)

(78.0)

(71.5)

(69.4)

3.1.

Demand deposits

18

76

454

618

147

116

3.2.

Savings bank deposits

1968

2527

2461

2840

1052

1214

3.3.

Term deposits

4846

5805

4754

5642

820

1069

4. Borrowings

1500

1597

1091

1427

324

440

(16.0)

(14.5)

(12.0)

(12.2)

(11.5)

(12.7)

4.1.

From banks*

93

106

32

58

-

-

4.2.

From others

1407

1491

1059

1369

324

440

5. Other liabilities

525

535

243

547

172

309

(5.6)

(4.8)

(2.7)

(4.7)

(6.1)

(8.9)

5.1.

Bills Payable

22

-

36

49

1

-

5.2.

Inter-office adjustments

33

-

-

-

-

-

5.3.

Interest accrued

6

7

54

66

94

138

5.4.

Others (including provisions)

464

528

153

432

77

171

Total Liabilities

9370

11054

9103

11671

2826

3459

1.

Cash in hand

150

253

187

158

49

89

(1.6)

(2.3)

(2.0)

(1.4)

(1.7)

(2.6)

2.

Balances with RBI

195

241

258

287

50

66

(2.1)

(2.2)

(2.8)

(2.5)

(1.8)

(1.9)

3.

Balances with banks in India

2397

2584

2434

3102

331

385

(25.6)

(23.4)

(26.7)

(26.6)

(11.7)

(11.1)

4.

Money at call and short notice

-

-

-

-

316

-

(-)

(-)

(-)

(-)

(112)

(-)

5.

Investments

1699

1946

505

1190

60

85

(18.1)

(17.6)

(5.5)

(10.2)

(2.1)

(2.5)

6.

Advances

4219

5506

3258

4237

1736

2375

(45.0)

(49.8)

(35.8)

(36.3)

(61.4)

(68.7)

6.1.

Bills purchased and discounted

4

161

11

42

-

-

6.2.

Cash credits, overdrafts & loans

421

1444

933

1063

580

1116

6.3.

Term loans

3794

3900

2314

3133

1156

1259

7.

Fixed Assets

18

21

28

29

7

8

(0.2)

(0.2)

(0.3)

(0.2)

(0.3)

(0.2)

8.

Other Assets

692

504

2433

2668

277

451

(7.4)

(4.6)

(26.7)

(22.9)

(9.8)

(13.0)

8.1.

Inter - office adjustments (net)

-

4

6

28

39

205

8.2.

Interest accrued

252

168

145

74

43

62

8.3.

Others

440

331

2282

2566

195

182

Total Assets

9370

11054

9103

11671

2826

3459

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Notes

:

1. Figures in bracket indicate percent share in total.

2. *Including Reserve Bank of India.

-

:

Nil or negligible.

Source

:

Annual accounts of banks.

(Amount in Rs. lakh)

As on 31st March

Aurangabad Jalana

Avadh Gramin Bank

Baitarani Gramya Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(19)

(20)

(21)

(22)

(23)

(24)

1.

Capital

100

742

100

100

100

100

(0.8)

(5.0)

(0.3)

(0.3)

(0.7)

(0.6)

2.

Reserves and Surplus

445

-

1050

1708

-

769

(3.6)

(-)

(3.3)

(4.4)

(-)

(4.2)

3.

Deposits

8091

10296

27424

33894

10501

13633

(66.2)

(69.8)

(87.1)

(87.2)

(76.3)

(75.2)

3.1.

Demand deposits

578

819

1603

2437

128

93

3.2.

Savings bank deposits

5375

7058

13410

15966

4441

5749

3.3.

Term deposits

2137

2419

12411

15491

5932

7791

4.

Borrowings

2160

2184

1768

2017

1729

1945

(17.7)

(14.8)

(5.6)

(5.2)

(12.6)

(10.7)

4.1.

From banks*

299

340

143

136

136

130

4.2.

From others

1860

1844

1626

1881

1593

1815

5.

Other liabilities

1422

1527

1129

1147

1434

1671

(11.6)

(10.4)

(3.6)

(3.0)

(10.4)

(9.2)

5.1.

BillsPayable

237

348

68

83

176

130

5.2.

Inter-office adjustments

125

35

22

13

-

-

5.3.

Interest accrued

186

313

26

21

7

23

5.4.

Others (including provisions)

874

830

1014

1030

1252

1519

Total Liabilities

12217

14749

31472

38865

13764

18119

1.

Cash in hand

420

579

414

226

203

203

(3.4)

(3.9)

(1.3)

(0.6)

(1.5)

(1.1)

2.

Balances with RBI

248

255

815

1045

316

408

(2.0)

(1.7)

(2.6)

(2.7)

(2.3)

(2.3)

3.

Balances with banks in India

537

372

16140

20042

2894

3949

(4.4)

(2.5)

(51.3)

(51.6)

(21.0)

(21.8)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

4726

5696

6731

7568

1834

3253

(38.7)

(38.6)

(21.4)

(19.5)

(13.3)

(18.0)

6.

Advances

4763

6565

5386

6799

4531

5554

(39.0)

(44.5)

(17.1)

(17.5)

(32.9)

(30.7)

6.1.

Bills purchased and discounted

698

1737

-

-

17

24

6.2.

Cash credits, overdrafts & loans

828

372

1180

1613

969

1269

6.3.

Term loans

3237

4457

4206

5186

3545

4261

7.

Fixed Assets

24

23

45

58

18

17

(0.2)

(0.2)

(0.1)

(0.1)

(0.1)

(0.1)

8.

Other Assets

1500

1259

1939

3126

3967

4735

(12.3)

(8.5)

(6.2)

(8.0)

(28.8)

(26.1)

8.1.

Inter - office adjustments (net)

-

-

-

-

232

271

8.2.

Interest accrued

108

116

1815

2977

-

-

8.3.

Others

1392

1142

125

150

3736

4464

Total Assets

12217

14749

31472

38865

13764

18119

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Balasore Gramya Bank

Ballia Kshetriya Gramin Bank

Banaskantha Mehsana

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(25)

(26)

(27)

(28)

(29)

(30)

1.

Capital

88

100

100

100

100

100

(1.2)

(1.1)

(0.5)

(0.4)

(1.0)

(0.7)

2.

Reserves and Surplus

-

-

1229

1711

642

1402

(-)

(-)

(5.6)

(6.5)

(6.1)

(9.7)

3.

Deposits

4608

5538

16629

20202

7047

9148

(61.2)

(61.6)

(75.4)

(76.9)

(67.2)

(63.0)

3.1.

Demand deposits

45

55

654

602

136

286

3.2.

Savings bank deposits

1412

1656

7449

8822

2295

2543

3.3.

Term deposits

3151

3827

8527

10778

4616

6320

4.

Borrowings

1220

1084

1107

1382

1593

1860

(16.2)

(12.1)

(5.0)

(5.3)

(15.2)

(12.8)

4.1.

From banks*

119

119

49

-

190

228

4.2.

From others

1101

966

1058

1382

1403

1633

5.

Other liabilities

1611

2271

2952

2859

1104

2002

(21.4)

(25.3)

(13.4)

(10.9)

(10.5)

(13.8)

5.1.

BillsPayable

-

-

26

36

10

13

5.2.

Inter-office adjustments

15

244

-

-

-

120

5.3.

Interest accrued

817

1037

-

-

691

1063

5.4.

Others (including provisions)

779

990

2925

2823

403

806

Total Liabilities

7527

8994

22053

26254

10485

14512

1.

Cash in hand

66

65

101

135

120

150

(0.9)

(0.7)

(0.5)

(0.5)

(1.1)

(1.0)

2.

Balances with RBI

137

167

481

601

220

363

(1.8)

(1.9)

(2.2)

(2.3)

(2.1)

(2.5)

3.

Balances with banks in India

594

1043

10022

13749

2880

3510

(7.9)

(11.6)

(45.4)

(52.4)

(27.5)

(24.2)

4.

Money at call and short notice

-

-

-

-

-

560

(-)

(-)

(-)

(-)

(-)

(3.9)

5.

Investments

-

-

3352

3893

1716

2942

(-)

(-)

(15.2)

(14.8)

(16.4)

(20.3)

6.

Advances

2954

2980

5709

6236

2988

4273

(39.2)

(33.1)

(25.9)

(23.8)

(28.5)

(29.4)

6.1.

Bills purchased and discounted

2

5

-

-

-

-

6.2.

Cash credits, overdrafts & loans

685

828

593

747

803

1087

6.3.

Term loans

2267

2147

5116

5488

2185

3186

7.

Fixed Assets

14

12

13

14

15

18

(0.2)

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

8.

Other Assets

3762

4726

2339

1626

2547

2696

(50.0)

(52.5)

(10.6)

(6.2)

(24.3)

(18.6)

8.1.

Inter - office adjustments (net)

-

-

-

-

12

-

8.2.

Interest accrued

15

22

-

-

168

249

8.3.

Others

3748

4704

2339

1626

2367

2448

Total Assets

7527

8994

22053

26254

10485

14512

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Bara Banki Gramin Bank

Bardhaman Gramin Bank

Bareilly Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(31)

(32)

(33)

(34)

(35)

(36)

1.

Capital

100

100

100

100

100

100

(0.5)

(0.4)

(0.5)

(0.3)

(0.7)

(0.6)

2.

Reserves and Surplus

828

1268

821

821

-

493

(4.1)

(5.4)

(3.7)

(2.9)

(-)

(2.9)

3.

Deposits

17092

20063

17176

22282

13125

14827

(84.9)

(85.0)

(78.1)

(77.7)

(89.5)

(86.1)

3.1.

Demand deposits

996

1300

124

166

426

409

3.2.

Savings bank deposits

8910

10224

6714

8476

8045

8994

3.3.

Term deposits

7186

8540

10338

13640

4654

5423

4. Borrowings

1314

1308

1028

989

1103

1443

(6.5)

(5.5)

(4.7)

(3.5)

(7.5)

(8.4)

4.1.

From banks*

147

118

26

43

200

-

4.2.

From others

1167

1190

1003

946

903

1443

5. Other liabilities

809

851

2860

4468

333

355

(4.0)

(3.6)

(13.0)

(15.6)

(2.3)

(2.1)

5.1.

BillsPayable

38

36

5

164

68

-

5.2.

Inter-office adjustments

64

17

23

-

28

1

5.3.

Interest accrued

15

-

1733

2927

89

104

5.4.

Others (including provisions)

692

798

1099

1377

148

250

Total Liabilities

20143

23590

21984

28660

14660

17219

1.

Cash in hand

178

354

193

229

191

330

(0.9)

(1.5)

(0.9)

(0.8)

(1.3)

(1.9)

2.

Balances with RBI

522

603

541

716

400

450

(2.6)

(2.6)

(2.5)

(2.5)

(2.7)

(2.6)

3.

Balances with banks in India

4651

6093

6238

9075

5405

6098

(23.1)

(25.8)

(28.4)

(31.7)

(36.9)

(35.4)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

8720

10680

6880

8887

2718

3140

(43.3)

(45.3)

(31.3)

(31.0)

(18.5)

(18.2)

6.

Advances

3017

3756

5422

6206

2760

3922

(15.0)

(15.9)

(24.7)

(21.7)

(18.8)

(22.8)

6.1.

Bills purchased and discounted

-

-

-

-

-

-

6.2.

Cash credits, overdrafts & loans

733

1002

341

423

-

3922

6.3.

Term loans

2284

2754

5081

5783

2760

-

7.

Fixed Assets

23

21

22

21

11

13

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

8.

Other Assets

3033

2082

2688

3526

3175

3266

(15.1)

(8.8)

(12.2)

(12.3)

(21.7)

(19.0)

8.1.

Inter - office adjustments (net)

-

-

-

44

-

-

8.2.