(Amount in Rs. lakh)

As on 31st March

Hindon Gramin Bank

Hissar-Sirsa Kshetriya

Howrah Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(145)

(146)

(147)

(148)

(149)

(150)

1.

Capital

100

100

100

100

100

100

(2.7)

(2.2)

(1.2)

(1.0)

(0.6)

(0.5)

2.

Reserves and Surplus

287

314

356

476

565

565

(7.6)

(7.0)

(4.1)

(4.9)

(3.5)

(2.7)

3.

Deposits

3055

3597

6250

7005

12676

16017

(81.2)

(79.9)

(72.4)

(71.8)

(77.8)

(77.0)

3.1.

Demand deposits

65

89

242

208

258

224

3.2.

Savings bank deposits

1711

1920

2029

2142

5181

6351

3.3.

Term deposits

1279

1588

3979

4655

7236

9442

4.

Borrowings

208

267

1571

1823

754

921

(5.5)

(5.9)

(18.2)

(18.7)

(4.6)

(4.4)

4.1.

From banks*

-

2

158

198

61

72

4.2.

From others

208

265

1414

1625

693

849

5.

Other liabilities

112

222

356

356

2195

3206

(3.0)

(4.9)

(4.1)

(3.6)

(13.5)

(15.4)

5.1.

BillsPayable

10

13

5

4

-

12

5.2.

Inter-office adjustments

-

-

40

47

17

47

5.3.

Interest accrued

6

8

5

7

1356

2111

5.4.

Others (including provisions)

95

202

306

299

823

1036

Total Liabilities

3762

4500

8633

9759

16290

20809

1.

Cash in hand

55

57

101

105

309

434

(1.5)

(1.3)

(1.2)

(1.1)

(1.9)

(2.1)

2.

Balances with RBI

91

114

190

217

415

537

(2.4)

(2.5)

(2.2)

(2.2)

(2.5)

(2.6)

3.

Balances with banks in India

134

104

2799

2823

3699

5523

(3.6)

(2.3)

(32.4)

(28.9)

(22.7)

(26.5)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

2021

2650

1347

1590

7098

8538

(53.7)

(58.9)

(15.6)

(16.3)

(43.6)

(41.0)

6.

Advances

699

912

3831

4515

3488

4238

(18.6)

(20.3)

(44.4)

(46.3)

(21.4)

(20.4)

6.1.

Bills purchased and discounted

-

-

101

174

-

5

6.2.

Cash credits, overdrafts & loans

80

103

1335

1579

715

1246

6.3.

Term loans

620

809

2395

2763

2773

2986

7.

Fixed Assets

11

12

33

33

32

39

(0.3)

(0.3)

(0.4)

(0.3)

(0.2)

(0.2)

8.

Other Assets

750

651

333

475

1250

1501

(19.9)

(14.5)

(3.9)

(4.9)

(7.7)

(7.2)

8.1.

Inter - office adjustments (net)

2

7

-

-

-

-

8.2.

Interest accrued

123

265

226

456

1110

1465

8.3.

Others

625

379

107

18

140

36

Total Assets

3762

4500

8633

9759

16290

20809

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Indore Ujjain Gramin Bank

Jaipur Nagaur Anchalik

Jammu Rural Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(151)

(152)

(153)

(154)

(155)

(156)

1.

Capital

100

100

100

100

100

100

(1.9)

(1.5)

(0.3)

(0.3)

(0.4)

(0.4)

2.

Reserves and Surplus

377

528

850

1085

1372

1703

(7.2)

(8.0)

(2.9)

(3.0)

(6.1)

(6.0)

3.

Deposits

3988

4941

24346

28674

18003

22356

(76.0)

(74.5)

(82.0)

(79.7)

(79.6)

(78.6)

3.1.

Demand deposits

309

268

1479

1608

571

743

3.2.

Savings bank deposits

1316

1418

9042

10801

6751

8197

3.3.

Term deposits

2363

3255

13824

16265

10680

13415

4.

Borrowings

520

721

1447

1772

993

1275

(9.9)

(10.9)

(4.9)

(4.9)

(4.4)

(4.5)

4.1.

From banks*

-

-

-

-

-

-

4.2.

From others

520

721

1447

1772

993

1275

5.

Other liabilities

259

338

2944

4361

2153

3003

(4.9)

(5.1)

(9.9)

(12.1)

(9.5)

(10.6)

5.1.

Bills Payable

13

24

400

555

19

27

5.2.

Inter-office adjustments

-

11

-

-

31

60

5.3.

Interest accrued

11

12

2023

2725

1567

2433

5.4.

Others (including provisions)

235

291

522

1081

536

483

Total Liabilities

5244

6628

29686

35992

22621

28437

1.

Cash in hand

29

53

742

950

115

181

(0.6)

(0.8)

(2.5)

(2.6)

(0.5)

(0.6)

2.

Balances with RBI

120

159

900

1020

586

740

(2.3)

(2.4)

(3.0)

(2.8)

(2.6)

(2.6)

3.

Balances with banks in India

1887

2134

12521

11769

17411

22430

(36.0)

(32.2)

(42.2)

(32.7)

(77.0)

(78.9)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

736

1193

7921

13146

14

14

(14.0)

(18.0)

(26.7)

(36.5)

(0.1)

(-)

6.

Advances

1828

2469

5378

6661

3500

4152

(34.9)

(37.3)

(18.1)

(18.5)

(15.5)

(14.6)

6.1.

Bills purchased and discounted

-

-

92

10

38

111

6.2.

Cash credits, overdrafts & loans

326

662

1391

1875

139

173

6.3.

Term loans

1502

1808

3895

4777

3324

3868

7.

Fixed Assets

14

17

14

16

42

47

(0.3)

(0.2)

(-)

(-)

(0.2)

(0.2)

8.

Other Assets

630

603

2210

2431

954

874

(12.0)

(9.1)

(7.4)

(6.8)

(4.2)

(3.1)

8.1.

Inter - office adjustments (net)

16

-

106

15

-

-

8.2.

Interest accrued

34

54

739

1529

552

850

8.3.

Others

580

549

1365

887

401

23

Total Assets

5244

6628

29686

35992

22621

28437

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Jamnagar Gramin Bank

Jamuna Gramin Bank

Jhabhua Dhar Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(157)

(158)

(159)

(160)

(161)

(162)

1.

Capital

100

100

100

100

100

100

(1.0)

(0.8)

(0.8)

(0.6)

(0.8)

(0.7)

2.

Reserves and Surplus

967

1101

805

948

-

-

(9.2)

(8.4)

(6.3)

(5.6)

(-)

(-)

3.

Deposits

6825

8556

10037

13066

10635

12361

(65.0)

(65.0)

(78.4)

(77.7)

(82.5)

(82.3)

3.1.

Demand deposits

43

58

347

743

507

546

3.2.

Savings bank deposits

2440

2829

2874

3824

4131

4644

3.3.

Term deposits

4342

5669

6816

8499

5997

7172

4.

Borrowings

1846

2344

1439

1674

1462

1757

(17.6)

(17.8)

(11.2)

(10.0)

(11.3)

(11.7)

4.1.

From banks*

464

553

262

223

118

-

4.2.

From others

1382

1792

1177

1452

1344

1757

5.

Other liabilities

758

1061

420

1073

691

810

(7.2)

(8.1)

(3.3)

(6.4)

(5.4)

(5.4)

5.1.

BillsPayable

-

-

44

103

5

9

5.2.

Inter-office adjustments

41

4

160

679

50

148

5.3.

Interest accrued

586

932

28

28

69

76

5.4.

Others (including provisions)

130

125

187

264

567

577

Total Liabilities

10495

13162

12801

16824

12889

15028

1.

Cash in hand

64

72

343

715

185

344

(0.6)

(0.5)

(2.7)

(4.2)

(1.4)

(2.3)

2.

Balances with RBI

225

278

300

360

310

360

(2.1)

(2.1)

(2.3)

(2.1)

(2.4)

(2.4)

3.

Balances with banks in India

4099

4416

4056

7725

4589

4746

(39.1)

(33.5)

(31.7)

(45.9)

(35.6)

(31.6)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

1281

2351

2615

2423

443

618

(12.2)

(17.9)

(20.4)

(14.4)

(3.4)

(4.1)

6.

Advances

3235

4224

4620

5026

4099

5613

(30.8)

(32.1)

(36.1)

(29.9)

(31.8)

(37.4)

6.1.

Bills purchased and discounted

1

2

20

13

1

1

6.2.

Cash credits, overdrafts & loans

2591

3254

1335

953

56

127

6.3.

Term loans

644

968

3265

4060

4041

5485

7.

Fixed Assets

7

8

23

23

15

15

(0.1)

(0.1)

(0.2)

(0.1)

(0.1)

(0.1)

8.

Other Assets

1584

1814

845

553

3248

3333

(15.1)

(13.8)

(6.6)

(3.3)

(25.2)

(22.2)

8.1.

Inter - office adjustments (net)

-

-

-

-

-

-

8.2.

Interest accrued

586

1018

140

225

-

-

8.3.

Others

998

796

704

328

3248

3333

Total Assets

10495

13162

12801

16824

12889

15028

(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

Junagadh Amreli

Ka Bank

Kakathiya

Items

Gramin Bank

Nangkyndong

Gramin Bank

1998

1999

1998

1999

1998

1999

(163)

(164)

(165)

(166)

(167)

(168)

1.

Capital

100

100

100

100

100

100

(1.7)

(1.4)

(1.1)

(0.9)

(1.4)

(1.0)

2.

Reserves and Surplus

328

464

625

917

723

910

(5.7)

(6.5)

(6.8)

(8.5)

(9.8)

(8.7)

3.

Deposits

3897

4769

7163

8175

4301

6623

(67.8)

(67.2)

(78.1)

(75.9)

(58.4)

(63.0)

3.1.

Demand deposits

45

47

768

672

423

494

3.2.

Savings bank deposits

1242

1299

3221

3596

1356

2041

3.3.

Term deposits

2611

3423

3174

3907

2522

4087

4.

Borrowings

987

1248

638

755

1744

1975

(17.2)

(17.6)

(6.9)

(7.0)

(23.7)

(18.8)

4.1.

From banks*

193

254

110

16

490

726

4.2.

From others

793

994

528

739

1253

1249

5.

Other liabilities

440

512

651

831

490

902

(7.6)

(7.2)

(7.1)

(7.7)

(6.7)

(8.6)

5.1.

Bills Payable

4

6

--

--

--

--

5.2.

Inter-office adjustments

124

49

--

--

--

67

5.3.

Interest accrued

249

370

363

556

345

555

5.4.

Others (including provisions)

63

87

288

375

145

280

Total Liabilities

5752

7093

9177

10777

7358

10510

1.

Cash in hand

136

146

47

56

162

314

(2.4)

(2.1)

(0.5)

(0.5)

(2.2)

(3.0)

2.

Balances with RBI

116

182

235

290

143

195

(2.0)

(2.6)

(2.6)

(2.7)

(1.9)

(1.9)

3.

Balances with banks in India

50

39

3167

4601

2486

4082

(0.9)

(0.5)

(34.5)

(42.7)

(33.8)

(38.8)

4.

Money at call and short notice

1761

1829

--

--

--

--

(30.6)

(25.8)

(--)

(--)

(--)

(--)

5.

Investments

1215

1977

3881

3835

18

118

(21.1)

(27.9)

(42.3)

(35.6)

(0.2)

(1.1)

6.

Advances

1695

2118

1352

1661

3208

4555

(29.5)

(29.9)

(14.7)

(15.4)

(43.6)

(43.3)

6.1.

Bills purchased and discounted

--

--

--

--

--

--

6.2.

Cash credits, overdrafts & loans

1095

1351

577

652

2661

4211

6.3.

Term loans

600

766

774

1009

547

344

7.

Fixed Assets

10

11

12

13

21

36

(0.2)

(0.2)

(0.1)

(0.1)

(0.3)

(0.3)

8.

Other Assets

769

791

483

323

1321

1209

(13.4)

(11.2)

(5.3)

(3.0)

(18.0)

(11.5)

8.1.

Inter - office adjustments (net)

130

67

9

--

73

--

8.2.

Interest accrued

255

466

467

309

50

35

8.3.

Others

384

259

7

14

1198

1174

Total Assets

5752

7093

9177

10777

7358

10510

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Kalahandi Anchalika

Kalpatharu Gramin Bank

Kamraz Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(169)

(170)

(171)

(172)

(173)

(174)

1.

Capital

100

100

100

100

100

100

(1.1)

(0.8)

(0.8)

(0.6)

(0.9)

(0.6)

2.

Reserves and Surplus

1178

2014

1257

1349

11

2784

(12.6)

(15.8)

(9.5)

(8.5)

(0.1)

(17.9)

3.

Deposits

5553

7796

8333

10817

10326

11666

(59.6)

(61.2)

(63.3)

(68.1)

(91.6)

(75.0)

3.1.

Demand deposits

692

1507

402

672

1741

1909

3.2.

Savings bank deposits

2833

3655

3189

4337

4801

5244

3.3.

Term deposits

2028

2635

4742

5808

3784

4513

4.

Borrowings

1194

1905

2295

2215

465

546

(12.8)

(15.0)

(17.4)

(13.9)

(4.1)

(3.5)

4.1.

From banks*

124

195

239

234

89

113

4.2.

From others

1070

1710

2056

1981

376

433

5.

Other liabilities

1299

927

1184

1412

373

457

(13.9)

(7.3)

(9.0)

(8.9)

(3.3)

(2.9)

5.1.

BillsPayable

--

--

--

--

7

10

5.2.

Inter-office adjustments

--

--

--

--

100

40

5.3.

Interest accrued

345

462

686

917

107

139

5.4.

Others (including provisions)

955

464

498

495

160

268

Total Liabilities

9324

12741

13169

15894

11275

15553

1.

Cash in hand

184

188

229

221

45

38

(2.0)

(1.5)

(1.7)

(1.4)

(0.4)

(0.2)

2.

Balances with RBI

170

214

288

326

301

352

(1.8)

(1.7)

(2.2)

(2.1)

(2.7)

(2.3)

3.

Balances with banks in India

2723

3469

1533

1927

5895

7209

(29.2)

(27.2)

(11.6)

(12.1)

(52.3)

(46.4)

4.

Money at call and short notice

--

--

--

--

--

--

(--)

(--)

(--)

(--)

(--)

(--)

5.

Investments

423

1326

3821

5447

692

692

(4.5)

(10.4)

(29.0)

(34.3)

(6.1)

(4.4)

6.

Advances

3307

4651

5476

6219

1616

1952

(35.5)

(36.5)

(41.6)

(39.1)

(14.3)

(12.7)

6.1.

Bills purchased and discounted

--

87

216

394

--

--

6.2.

Cash credits, overdrafts & loans

--

1308

2186

2474

641

898

6.3.

Term loans

3307

3256

3074

3351

975

1054

7.

Fixed Assets

15

16

27

31

27

28

(0.2)

(0.1)

(0.2)

(0.2)

(0.2)

(0.2)

8.

Other Assets

2502

2877

1796

1722

2701

5283

(26.8)

(22.6)

(13.6)

(10.8)

(24.0)

(34.0)

8.1.

Inter - office adjustments (net)

106

255

7

26

--

--

8.2.

Interest accrued

98

328

277

363

182

90

8.3.

Others

2297

2294

1512

1333

2519

5193

Total Assets

9324

12741

13169

15894

11275

15553

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Kanakadurga Gramin Bank

Kanpur Kshetriya Gramin Bank

Kapurthala Firozpur Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(175)

(176)

(177)

(178)

(179)

(180)

1.

Capital

100

100

100

100

100

100

(1.6)

(1.3)

(0.4)

(0.3)

(1.4)

(1.1)

2.

Reserves and Surplus

522

746

2340

2801

655

786

(8.3)

(10.0)

(8.6)

(8.6)

(8.9)

(8.6)

3.

Deposits

3743

4687

20687

25199

5780

6975

(59.5)

(62.6)

(76.5)

(77.6)

(78.4)

(76.1)

3.1.

Demand deposits

82

149

873

1028

170

232

3.2.

Savings bank deposits

1139

1573

9030

10808

2179

2530

3.3.

Term deposits

2522

2964

10784

13364

3431

4214

4.

Borrowings

1565

1458

2931

3004

614

657

(24.9)

(19.5)

(10.8)

(9.2)

(8.3)

(7.2)

4.1.

From banks*

320

299

195

193

100

119

4.2.

From others

1245

1159

2736

2810

514

537

5.

Other liabilities

366

502

997

1376

227

645

(5.8)

(6.7)

(3.7)

(4.2)

(3.1)

(7.0)

5.1.

BillsPayable

--

--

181

250

6

14

5.2.

Inter-office adjustments

42

63

--

--

3

--

5.3.

Interest accrued

21

25

203

266

17

22

5.4.

Others (including provisions)

303

414

613

861

200

608

Total Liabilities

6296

7493

27055

32481

7375

9163

1.

Cash in hand

82

140

208

237

127

179

(1.3)

(1.9)

(0.8)

(0.7)

(1.7)

(2.0)

2.

Balances with RBI

106

137

660

810

178

221

(1.7)

(1.8)

(2.4)

(2.5)

(2.4)

(2.4)

3.

Balances with banks in India

2261

2532

2009

3125

2388

3098

(35.9)

(33.8)

(7.4)

(9.6)

(32.4)

(33.8)

4.

Money at call and short notice

--

--

6356

8504

--

--

(--)

(--)

(23.5)

(26.2)

(--)

(--)

5.

Investments

435

632

7786

8391

1480

2232

(6.9)

(8.4)

(28.8)

(25.8)

(20.1)

(24.4)

6.

Advances

3283

3844

4960

6156

2186

2362

(52.1)

(51.3)

(18.3)

(19.0)

(29.6)

(25.8)

6.1.

Bills purchased and discounted

24

176

--

--

1

1

6.2.

Cash credits, overdrafts & loans

2223

2511

690

980

800

1041

6.3.

Term loans

1036

1157

4270

5176

1385

1320

7.

Fixed Assets

51

53

34

35

11

14

(0.8)

(0.7)

(0.1)

(0.1)

(0.1)

(0.2)

8.

Other Assets

78

154

5043

5223

1006

1057

(1.2)

(2.0)

(18.6)

(16.1)

(13.6)

(11.5)

8.1.

Inter - office adjustments (net)

--

--

85

89

--

28

8.2.

Interest accrued

18

65

950

1394