REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Rashikulya

Ratlam Mandsaur

Ratnagiri Sindhudurg

Rayalaseema

Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(289)

(290)

(291)

(292)

(293)

(294)

(295)

(296)

Income

I.

Interest earned

616

990

325

541

251

251

2512

3596

a)

Interest/discount on advances/bills

246

327

130

212

99

99

1741

2525

b)

Income on investments

363

663

-

-

74

74

96

263

c)

Interest on balances with RBI and other

6

-

195

329

78

78

675

808

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

24

82

24

52

16

16

218

463

a)

Commission, exchange, brokerage, etc.

6

7

15

18

2

2

41

68

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

18

75

9

34

14

14

177

395

Total (I+II)

640

1072

349

593

267

267

2730

4059

Expenditure & Provisions

III.

Interest expended

541

738

260

396

213

213

1803

2156

a)

Interest on deposits

423

618

225

356

185

185

1282

1593

b)

Interest on RBI/inter-bank borrowings

28

119

35

40

28

-

505

547

c)

Others

90

-

-

-

-

28

17

17

IV.

Operating expenses

328

429

154

193

141

141

1003

1038

a)

Payments to and provisions for employees

247

290

129

166

120

120

883

903

b)

Rent, taxes and lighting

7

8

6

8

4

4

21

23

c)

Printing and stationery

4

5

2

3

3

3

13

14

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

2

2

1

1

6

6

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

1

1

2

2

h)

Law charges

-

-

-

-

-

-

-

1

i)

Postage, telegrams, telephones, etc.

2

3

2

2

1

1

11

12

j)

Repairs and maintenance

1

1

-

-

1

1

-

-

k)

Insurance

41

36

3

3

2

2

3

2

l)

Other expenditure

24

84

11

10

7

7

65

75

V.

Provisions and contingencies

116

257

-

-

15

16

-

1170

Total expenses

986

1423

414

589

368

370

2806

4364

VI.

Profit (loss)

(346)

(351)

(65)

4

(101)

(102)

(76)

(305)

Total (III+IV+V+VI)

640

1072

349

593

267

267

2730

4059

(Amount in Rs. lakh)

For the year ended 31st March

Rewa Sidhi

Sabarkantha-Gandhinagar

Sagar

Sahyadri

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(297)

(298)

(299)

(300)

(301)

(302)

(303)

(304)

Income

I.

Interest earned

1172

1794

288

532

1324

1938

287

436

a)

Interest/discount on advances/bills

307

503

131

192

171

398

218

261

b)

Income on investments

298

489

44

123

445

703

69

24

c)

Interest on balances with RBI and other

567

802

113

217

708

838

-

151

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

36

34

26

25

32

104

80

52

a)

Commission, exchange, brokerage, etc.

4

6

9

19

29

85

6

7

b)

Net profit (loss) on sale of investments

-

-

-

-

1

-

-

-

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

32

29

17

5

3

19

74

44

Total (I+II)

1208

1828

315

557

1357

2042

367

488

Expenditure & Provisions

III.

Interest expended

767

1129

215

333

1051

1392

236

304

a)

Interest on deposits

691

1046

172

275

942

1292

150

203

b)

Interest on RBI/inter-bank borrowings

76

84

4

4

36

28

87

101

c)

Others

-

-

39

53

74

72

-

-

IV.

Operating expenses

474

496

97

120

614

827

124

139

a)

Payments to and provisions for employees

382

385

86

107

548

664

97

119

b)

Rent, taxes and lighting

10

11

3

4

22

25

5

5

c)

Printing and stationery

7

10

2

2

7

8

2

1

d)

Advertisement and publicity

-

1

-

-

-

-

-

-

e)

Depreciation on Bank's property

3

4

2

2

4

5

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

1

1

-

-

h)

Law charges

-

-

-

-

-

1

-

-

i)

Postage, telegrams, telephones, etc.

3

4

1

1

1

1

2

2

j)

Repairs and maintenance

1

1

-

-

2

2

2

2

k)

Insurance

39

51

2

2

14

9

-

-

l)

Other expenditure

29

29

2

2

13

112

13

7

V.

Provisions and contingencies

599

354

318

76

1352

1500

-

-

Total expenses

1840

1979

630

529

3017

3718

360

443

VI.

Profit (loss)

(632)

(151)

(316)

28

(1660)

(1676)

6

45

Total (III+IV+V+VI)

1208

1828

315

557

1357

2042

367

488

(Amount in Rs. lakh)

For the year ended 31st March

Samastipur Kshetriya

Samyukt Kshetriya

Sangameshwar

Santhal Parganas

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(305)

(306)

(307)

(308)

(309)

(310)

(311)

(312)

Income

I.

Interest earned

211

624

3345

4092

682

965

1298

1395

a)

Interest/discount on advances/bills

211

126

275

(190)

455

501

230

94

b)

Income on investments

-

57

855

1074

-

-

480

544

c)

Interest on balances with RBI and other

-

417

2215

3208

-

-

588

756

inter-bank funds

d)

Others

-

24

-

-

227

464

-

-

II.

Other income

24

26

84

74

29

141

35

35

a)

Commission, exchange, brokerage, etc.

9

13

52

41

8

20

15

12

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

15

13

31

32

20

120

20

23

Total (I+II)

235

650

3429

4165

711

1105

1333

1430

Expenditure & Provisions

III.

Interest expended

372

600

2134

2781

516

644

760

972

a)

Interest on deposits

348

555

2011

2672

352

480

672

893

b)

Interest on RBI/inter-bank borrowings

24

45

13

12

-

-

88

78

c)

Others

-

-

110

97

165

164

-

-

IV.

Operating expenses

337

348

1083

1129

1496

303

449

560

a)

Payments to and provisions for employees

285

298

881

914

319

263

406

521

b)

Rent, taxes and lighting

8

8

15

15

6

7

7

7

c)

Printing and stationery

4

7

10

11

7

5

4

3

d)

Advertisement and publicity

-

1

1

1

-

-

-

-

e)

Depreciation on Bank's property

2

2

5

5

2

2

1

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

2

2

1

1

1

1

h)

Law charges

-

-

1

1

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

-

4

5

3

3

1

1

j)

Repairs and maintenance

1

2