For the year ended 31st March

Items

Marwar

Mayurakshi

Mewar

Mithila

Gramin Bank

Gramin Bank

Anchalik

Kshetriya

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(225)

(226)

(227)

(228)

(229)

(230)

(231)

(232)

Income

I.

Interest Earned

2657

3171

1037

1329

728

1057

414

549

a)

Interest/discount on advances/bills

713

1075

343

427

206

277

109

122

b)

Income on Investments

997

1180

-

-

152

184

-

16

c)

Interest on balances with

946

916

448

595

3

5

303

411

RBI and other inter-bank funds

d)

Others

-

-

247

307

367

592

1

-

II.

Other income

54

112

95

372

46

36

11

32

a)

Commission, exchange and brokerage

52

112

88

70

7

8

7

8

b)

Other miscellaneous income

2

-

8

302

39

29

4

24

Total (I+II)

2711

3283

1133

1701

775

1094

425

581

Expenditure & Provisions

III.

Interest expended

1961

2387

1076

1429

618

901

498

638

a)

Interest on deposits

1854

2248

1005

1358

577

847

465

612

b)

Interest on RBI/inter-bank borrowings

108

138

71

71

41

54

32

26

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

653

757

501

584

255

299

870

393

a)

Payments to and provisions for employees

590

683

464

543

218

247

310

365

b)

Rent, taxes and lighting

11

13

7

10

9

11

5

5

c)

Printing and stationery

8

9

6

7

4

3

3

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

1

1

5

5

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

2

1

1

-

-

1

1

h)

Law charges

-

1

1

-

-

-

1

-

i)

Postage, telegrams, telephones, etc.

5

8

1

1

3

4

1

1

j)

Repairs and maintenance

1

1

1

1

1

1

2

1

k)

Insurance

2

2

7

8

-

-

1

1

l)

Other expenditure

32

36

13

11

14

28

546

15

V.

Provisions and contingencies

-

-

280

-

26

-

-

-

Total expenses*

2614

3144

1577

2013

873

1199

1368

1031

VI.

Profit

97

139

-724

-312

-125

-106

-943

-450

Total (III+IV+V+VI)

2711

3283

1133

1701

775

1094

425

581

For the year ended 31st March

Items

Mizoram

Monghyr

Murshidabad

Muzaffarnagar

Rural Bank

Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(233)

(234)

(235)

(236)

(237)

(238)

(239)

(240)

Income

I.

Interest Earned

485

1426

1413

630

336

463

a)

Interest/discount on advances/bills

107

370

168

176

89

124

b)

Income on Investments

247

215

410

344

126

205

c)

Interest on balances with

129

841

835

110

121

135

RBI and other inter-bank funds

d)

Others

2

-

-

-

-

-

II.

Other income

N

26

80

329

N

27

13

5

a)

Commission, exchange and brokerage

O

5

14

9

O

10

1

2

b)

Other miscellaneous income

T

21

66

320

T

18

12

3

Total (I+II)

512

1507

1742

657

348

468

Expenditure & Provisions

III.

Interest expended

A

238

907

1113

A

429

244

284

a)

Interest on deposits

V

203

892

1087

V

391

207

243

b)

Interest on RBI/inter-bank borrowings

A

31

16

26

A

38

12

9

c)

Others

I

4

-

-

I

-

26

31

IV.

Operating expenses

L

187

569

617

L

182

121

138

a)

Payments to and provisions for employees

A

152

526

572

A

144

100

113

b)

Rent, taxes and lighting

B

9

10

10

B

4

3

4

c)

Printing and stationery

L

4

4

4

L

4

2

3

d)

Advertisement and publicity

E

-

-

-

E

-

-

-

e)

Depreciation on Bank's property

2

2

2

1

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

1

1

-

1

-

h)

Law charges

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

1

1

1

1

2

j)

Repairs and maintenance

2

1

2

-

-

-

k)

Insurance

3

17

14

3

4

4

l)

Other expenditure

13

6

11

25

7

9

V.

Provisions and contingencies

22

1781

-

34

194

-

Total expenses*

425

1476

1730

612

365

422

VI.

Profit

65

-1750

12

11

-211

46

Total (III+IV+V+VI)

512

1507

1742

657

348

468

For the year ended 31st March

Items

Nadia

Nagaland

Nagarjuna

Nainital Almora

Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya

Gramin Bank

1997

1998

1997

1998

1997

1998

1997

1998

(241)

(242)

(243)

(244)

(245)

(246)

(247)

(248)

Income

I.

Interest Earned

941

1224

79

73

1204

2161

700

889

a)

Interest/discount on advances/bills

232

306

7

20

514

1235

322

376

b)

Income on Investments

444

513

-

-

333

385

373

498

c)

Interest on balances with

265

405

72

53

358

540

4

15

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

12

58

2

1

48

226

25

22

a)

Commission, exchange and brokerage

12

58

1

1

42

48

11

5

b)

Other miscellaneous income

-

-

2

-

6

178

15

17

Total (I+II)

953

1283

81

74

1253

2387

725

911

Expenditure & Provisions

III.

Interest expended

651

824

92

41

1112

1351

455

559

a)

Interest on deposits

551

708

46

36

938

1119

383

489

b)

Interest on RBI/inter-bank borrowings

101

116

1

1

170

226

71

69

c)

Others

-

-

44

4

3

6

1

1

IV.

Operating expenses

315

340

33

29

860

1080

225

257

a)

Payments to and provisions for employees

287

310

26

24

746

977

187

212

b)

Rent, taxes and lighting

6

7

1

1

20

22

14

16

c)

Printing and stationery

5

4

-

-

9

12

4

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

-

-

3

2

3

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

2

1

1

1

h)

Law charges

-

-

-

-

1

1

-

-

i)

Postage, telegrams, telephones, etc.

-

-

-

-

4

4

2

2

j)

Repairs and maintenance

-

-

-

-

1

1

3

2

k)

Insurance

2

-

1

1

34

9

2

5

l)

Other expenditure

11

14

4

2

41

51

9

11

V.

Provisions and contingencies

398

257

-

-

47

40

43

19

Total expenses*

966

1164

124

71

1972

2431

680

816