(Amount in Rs. lakh)

Ratlam Mandsaur

Ratnagiri Sindhudurg

Rayalaseema

Rewa Sidhi

Items

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(289)

(290)

(291)

(292)

(293)

(294)

(295)

(296)

Income

I. Interest Earned

1426

1413

914

1227

7666

8232

3291

3470

a) Interest/discount on advances/bills

372

446

411

711

4791

5403

691

811

b) Income on Investments

1039

944

254

316

631

1489

1088

1423

c) Interest on balances with

15

22

247

195

2245

1341

1511

1234

RBI and other inter-bank funds

d) Others

0

0

1

5

0

0

1

2

II. Other income

56

57

38

61

1105

1187

81

72

a) Commission, exchange and brokerage

29

49

4

6

111

132

13

19

b) Other miscellaneous income

27

8

35

55

994

1055

68

53

Total (I+II)

1482

1469

952

1289

8771

9420

3372

3542

Expenditure & Provisions

III. Interest expended

945

900

754

834

4897

5077

1993

2201

a) Interest on deposits

882

822

688

756

4433

4602

1899

2067

b) Interest on RBI/inter-bank borrowings

63

77

66

76

463

475

94

134

c) Others

0

0

0

1

0

0

0

0

IV. Operating expenses

344

371

321

427

2042

2191

938

1117

a) Payments to and provisions for employees

295

309

264

359

1760

1895

777

907

b) Rent, taxes and lighting

14

16

15

16

47

53

23

25

c) Printing and stationery

4

5

9

4

28

24

15

14

d) Advertisement and publicity

0

0

0

0

0

0

2

2

e) Depreciation on Bank's property

13

13

9

14

27

20

10

20

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

1

1

2

2

5

5

1

2

h) Law charges

0

0

0

0

1

2

1

2

i) Postage, telegrams, telephones, etc.

1

0

2

2

31

34

6

7

j) Repairs and maintenance

0

3

1

1

1

1

3

3

k) Insurance

6

6

3

6

38

42

14

19

l) Other expenditure

9

18

15

23

104

114

86

117

V. Provisions and contingencies

22

62

12

24

276

1

32

102

Total expenses*

1289

1271

1075

1260

6939

7268

2931

3318

VI. Profit /loss

171

136

-135

4

1557

2150

408

122

Total (III+IV+V+VI)

1482

1469

952

1289

8771

9420

3372

3542

(Amount in Rs. lakh)

Rushikulya

Sabarkantha-Gandhinagar

Sagar Gramin Bank

Sahyadri Gramin Bank

Items

Gramin Bank

Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(297)

(298)

(299)

(300)

(301)

(302)

(303)

(304)

Income

I. Interest Earned

3329

3640

1359

1472

5571

5942

1181

1261

a) Interest/discount on advances/bills

1029

1229

364

442

1105

1317

715

839

b) Income on Investments

2298

2313

442

554

2199

2162

302

371

c) Interest on balances with

0

46

554

0

2267

2463

164

50

RBI and other inter-bank funds

d) Others

3

52

0

476

0

0

0

0

II. Other income

163

772

32

31

86

96

174

176

a) Commission, exchange and brokerage

27

40

23

19

81

84

16

19

b) Other miscellaneous income

136

732

8

12

5

11

158

157

Total (I+II)

3492

4412

1391

1503

5658

6037

1355

1437

Expenditure & Provisions

III. Interest expended

2371

2562

900

956

3981

4211

721

790

a) Interest on deposits

2181

2294

812

868

3852

4015

497

530

b) Interest on RBI/inter-bank borrowings

190

260

83

84

0

0

224

260

c) Others

0

8

5

4

130

196

0

0

IV. Operating expenses

654

785

221

250

1306

1814

329

279

a) Payments to and provisions for employees

590

708

194

208

1184

1636

285

228

b) Rent, taxes and lighting

16

17

8

8

42

46

10

9

c) Printing and stationery

6

5

3

6

12

11

2

2

d) Advertisement and publicity

0

0

0

0

0

0

0

0

e) Depreciation on Bank's property

6

10

5

13

6

6

4

5

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

2

2

1

1

3

0

1

1

h) Law charges

1

4

0

0

1

3

0

0

i) Postage, telegrams, telephones, etc.

5

6

1

1

5

1

4

4

j) Repairs and maintenance

2

2

1

2

2

6

2

2

k) Insurance

12

13

5

6

29

32

2

4

l) Other expenditure

14

17

3

4

23

73

19

24

V. Provisions and contingencies

159

201

23

42

-142

-191

43

83

Total expenses*

3024

3347

1121

1206

5287

6025

1049

1069

VI. Profit /loss

309

864

247

255

512

203

263

285

Total (III+IV+V+VI)

3492

4412

1391

1503

5658

6037

1355

1437

(Amount in Rs. lakh)

Samastipur

Samyukt

Sangameshwar

Santhal Parganas

Items

Kshetriya Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(305)

(306)

(307)

(308)

(309)

(310)

(311)

(312)

Income

I. Interest Earned

1979

1893

9389

9779

2953

3374

2611

2965

a) Interest/discount on advances/bills

465

641

999

1216

1599

1794

359

439

b) Income on Investments

314

293

3421

3727

530

544

375

370

c) Interest on balances with

1200

959

4965

4836

824

1037

1877

2156

RBI and other inter-bank funds

d) Others

0

0

4

0

0

0

0

0

II. Other income

121

93

110

113

236

179

130

107

a) Commission, exchange and brokerage

69

67

44

58

77

80

50

89

b) Other miscellaneous income

52

27

67

54

159

99

80

18

Total (I+II)

2100

1987

9500

9892

3189

3553

2742

3071

Expenditure & Provisions

III. Interest expended

1504

1347

5527

5854

1865

2018

1806

1990

a) Interest on deposits

1415

1278

5427

5752

1531

1608

1742

1924

b) Interest on RBI/inter-bank borrowings

80

51

4

3

334

410

64

66

c) Others

9

18

96

100

0

0

0

0

IV. Operating expenses

691

790

2026

2035

665

794

1005

1176

a) Payments to and provisions for employees

611

14

1716

1761

555

682

938

1080

b) Rent, taxes and lighting

18

20

39

51

16

19

11

12

c) Printing and stationery

10

10

17

17

9

8

5

9

d) Advertisement and publicity

1

0

2

1

0

0

1

0

e) Depreciation on Bank's property

5

5

31

42

9

13

2

2

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

2

2

4

4

2

2

2

3

h) Law charges

1

1

3

3

3

1

0

1

i) Postage, telegrams, telephones, etc.

3

3

9

10

8

8

2

2

j) Repairs and maintenance

1

2

2

3

1

1

1

1

k) Insurance

11

12

31

47

5

7

9

10

l) Other expenditure

29

723

172

98

57

52

34

58

V. Provisions and contingencies

44

58

65

-16

113

183

0

824

Total expenses*

2194

2137

7553

7890

2530

2812

2811

3166

VI. Profit /loss

-139

-208

1882

2018

546

558

-70

-918

Total (III+IV+V+VI)

2100

1987

9500

9892

3189

3553

2742

3071

(Amount in Rs. lakh)

Saran

Sarayu

Shahajahanpur

Shahdol

Items

Kshetriya Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Kshetriya Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(313)

(314)

(315)

(316)

(317)

(318)

(319)

(320)

Income

I. Interest Earned

1499

1390

2089

2327

1862

2044

950

1053

a) Interest/discount on advances/bills

265

248

812

1061

636

773

196

310

b) Income on Investments

18

58

1272

1237

281

277

742

722

c) Interest on balances with

1216

1084

6

30

909

948

12

21

RBI and other inter-bank funds

d) Others

0

0

0

0

36

47

0

0

II. Other income

57

19

90

104

52

62

78

126

a) Commission, exchange and brokerage

8

10

90

104

52

62

17

54

b) Other miscellaneous income

49

9

0

0

0

1

60

72

Total (I+II)

1556

1409

2179

2431

1914

2106

1028

1179

Expenditure & Provisions

III. Interest expended

1008

1156

922

1022

833

945

691

727

a) Interest on deposits

985

1125

791

806

679

768

661

697

b) Interest on RBI/inter-bank borrowings

23

31

130

216

1

3

30

30

c) Others

0

0

0

0

153

174

0

0

IV. Operating expenses

385

613

346

399

313

389

316

438

a) Payments to and provisions for employees

353

572

272

311

226

297

223

375

b) Rent, taxes and lighting

4

4

14

15

8

10

7

9

c) Printing and stationery

4

3

8

8

5

3

2

3

d) Advertisement and publicity

0

0

1

2

0

0

0

0

e) Depreciation on Bank's property

1

2

18

33

5

7

2

3

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

2

2

1

2

1

1

1

1

h) Law charges

1

0

0

1

1

1

0

0

i) Postage, telegrams, telephones, etc.

1

1

5

5

3

3

2

3

j) Repairs and maintenance

2

1

1

2

9

9

0

0

k) Insurance

8

8

9

2

8

9

6

8

l) Other expenditure

9

19

15

18

46

49

71

37

V. Provisions and contingencies

157

398

4

24

0

0

0

0

Total expenses*

1392

1769

1268

1421

1146

1335

1007

1165

VI. Profit /loss

7

-757

908

986

768

772

21

14

Total (III+IV+V+VI)

1556

1409

2179

2431

1914

2106

1028

1179

(Amount in Rs. lakh)

Sharda

Shekhawati

Shivalik

Shivpuri Guna

Items

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Kshetriya Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(321)

(322)

(323)

(324)

(325)

(326)

(327)

(328)

Income

I. Interest Earned

1675

1816

3698

3652

2381

2473

1968

2097

a) Interest/discount on advances/bills

386

567

1140

1222

545

643

609

763

b) Income on Investments

560

645

2547

2386

1520

1683

12

3

c) Interest on balances with

729

604

11

44

314

147

1347

1330

RBI and other inter-bank funds

d) Others

0

0

0

0

1

0

0

0

II. Other income

73

74

798

1220

183

235

147

101

a) Commission, exchange and brokerage

72

72

23

36

9

10

91

80

b) Other miscellaneous income

2

2

776

1184

174

225

56

21

Total (I+II)

1748

1890

4497

4872

2564

2707

2115

2198

Expenditure & Provisions

III. Interest expended

1055

1126

2554

2626

1284

1311

1279

1304

a) Interest on deposits

1010

1039

2421

2506

1187

1220

1230

1251

b) Interest on RBI/inter-bank borrowings

0

0

4

4

94

90

49

52

c) Others

45

86

128

116

2

2

0

1

IV. Operating expenses

565

556

1053

1066

466

460

598

670

a) Payments to and provisions for employees

507

492

947

957

362

351

545

612

b) Rent, taxes and lighting

10

11

9

10

11

12

16

16

c) Printing and stationery

7

6

6

6

5

4

6

7

d) Advertisement and publicity

0

0

0

0

0

0

0

0

e) Depreciation on Bank's property

6

6

4

5

16

16

3

5

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

1

2

3

3

2

1

2

2

h) Law charges

1

1

3

3

1

1

0

0

i) Postage, telegrams, telephones, etc.

3

4

12

13

4

5

4

4

j) Repairs and maintenance

1

2

1

2

3

2

0

1

k) Insurance

8

9

2

1

2

9

7

9

l) Other expenditure

20

23

66

65

61

58

15

14

V. Provisions and contingencies

0

28

0

33

63

31

38

172

Total expenses*

1620

1681

3606

3692

1750

1771

1876

1974

VI. Profit /loss

128

181

890

1147

751

905

201

52

Total (III+IV+V+VI)

1748

1890

4497

4872

2564

2707

2115

2198

(Amount in Rs. lakh)

Sri Sathavahana

Shri Venkateshwara

Singhbhum

Siwan

Items

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Kshetriya Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(329)

(330)

(331)

(332)

(333)

(334)

(335)

(336)

Income

I. Interest Earned

2346

2578

3699

4178

2639

2577

3587

3552

a) Interest/discount on advances/bills

1205

1289

2336

2758

623

625

389

422

b) Income on Investments

250