REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Solapur

South Malabar

Sravasthi

Sree Anantha

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(337)

(338)

(339)

(340)

(341)

(342)

(343)

(344)

Income

I.

Interest earned

188

282

3047

3629

817

1349

1253

1981

a)

Interest/discount on advances/bills

152

211

2206

2783

278

425

917

1239

b)

Income on investments

2

16

358

434

141

351

2

729

c)

Interest on balances with RBI and other

31

54

481

401

398

573

335

13

inter-bank funds

d)

Others

4

-

3

10

-

-

-

-

II.

Other income

8

21

210

349

40

64

92

304

a)

Commission, exchange, brokerage, etc.

1

3

206

326

39

64

18

26

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

7

18

4

23

-

-

74

278

Total (I+II)

196

303

3257

3978

857

1413

1345

2284

Expenditure & Provisions

III.

Interest expended

152

244

1692

1895

573

744

793

1127

a)

Interest on deposits

115

165

980

1097

473

631

569

859

b)

Interest on RBI/inter-bank borrowings

37

79

712

798

100

113

219

264

c)

Others

-

-

-

-

-

-

5

4

IV.

Operating expenses

141

142

1480

1692

381

504

471

524

a)

Payments to and provisions for employees

111

118

1284

1447

346

448

366

388

b)

Rent, taxes and lighting

4

8

39

43

7

8

8

10

c)

Printing and stationery

3

3

14

18

4

5

7

9

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

8

8

4

4

6

8

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

2

3

1

1

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

-

19

23

1

1

6

7

j)

Repairs and maintenance

-

-

3

4

1

1

-

-

k)

Insurance

12

1

9

11

6

22

1

1

l)

Other expenditure

7

8

102

133

11

13

75

99

V.

Provisions and contingencies

18

137

33

611

128

1152

44

324

Total expenses

311

523

3205

4198

1082

2399

1308

1975

VI.

Profit (loss)

(115)

(220)

52

(220)

(226)

(986)

37

309

Total (III+IV+V+VI)

196

303

3257

3978

857

1413

1345

2284

(Amount in Rs. lakh)

For the year ended 31st March

Sri Saraswathi

Sri Visakha

Sriganganagar

Srirama

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(345)

(346)

(347)

(348)

(349)

(350)

(351)

(352)

Income

I.

Interest earned

1065

1543

2091

2545

215

365

508

590

a)

Interest/discount on advances/bills

478

679

1220

1223

81

171

294

313

b)

Income on investments

567

827

853

1321

16

87

62

104

c)

Interest on balances with RBI and other

21

37

18

1

118

108

152

173

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

28

30

61

62

24

25

18

23

a)

Commission, exchange, brokerage, etc.

18

20

48

49

4

9

9

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

11

10

13

14

20

17

9

11

Total (I+II)

1093

1573

2152

2608

240

390

525

613

Expenditure & Provisions

III.

Interest expended

730

1032

1614

2133

239

350

312

374

a)

Interest on deposits

583

858

1330

1840

219

321

210

273

b)

Interest on RBI/inter-bank borrowings

32

35

284

293

20

29

102

101

c)

Others

115

138

-

-

-

-

-

-

IV.

Operating expenses

337

376

851

1195

127

153

136

151

a)

Payments to and provisions for employees

253

323

770

1106

99

130

100

116

b)

Rent, taxes and lighting

9

11

22

25

4

4

4

4

c)

Printing and stationery

5

8

17

24

2

2

3

3

d)

Advertisement and publicity

-

-

6

4

-

-

-

-

e)

Depreciation on Bank's property

4

4

3

3

1

2

2

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

2

3

-

-

-

1

h)

Law charges

-

-

-

1

-

-

-

-

i)

Postage, telegrams, telephones, etc.

2

2

8

11

1

1

-

-

j)

Repairs and maintenance

1

-

3

2

-

-

1

1

k)

Insurance

35

6

4

9

9

3

21

21

l)

Other expenditure

27

22

16

7

10

10

5

2

V.

Provisions and contingencies

11

124

403

424

43

34

37

42

Total expenses

1079

1532

2868

3752

409

537

485

567

VI.

Profit (loss)

15

41

(716)

(1144)

(169)

(147)

41

46

Total (III+IV+V+VI)

1093

1573

2152

2608

240

390

525

613

(Amount in Rs. lakh)

For the year ended 31st March

Subansiri Gaonlia

Sultanpur

Surat-Bharuch

Surendranagar Bhav-

Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

nagar Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(353)

(354)

(355)

(356)

(357)

(358)

(359)

(360)

Income

I.

Interest earned

185

361

1581

2381

425

695

186

368

a)

Interest/discount on advances/bills

28

39

474

641

177

356

105

210

b)

Income on investments

43

112

1046

1604

66

81

3

15

c)

Interest on balances with RBI and other

114

210

42

136

182

258

78

143

inter-bank funds

d)

Others

-

-

18

-

-

-

-

-

II.

Other income

10

36

40

130

49

33

35

49

a)

Commission, exchange, brokerage, etc.

3

5

34

93

7

9

17

24

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

7

31

6

37

42

24

18

26

Total (I+II)

195

397

1621

2511

474

728

221

417

Expenditure & Provisions

III.

Interest expended

169

204

1116

1623

261

441

171

279

a)

Interest on deposits

153

193

938

1253

187

311

136

222

b)

Interest on RBI/inter-bank borrowings

16

12

149

142

70

125

7

11

c)

Others

-

-

30

227

5

5

28

46

IV.

Operating expenses

188

207

585

645

170

174

149

155

a)

Payments to and provisions for employees

143

177

525

568

127

137

125

132

b)

Rent, taxes and lighting

4

5

19

12

5

6

6

6

c)

Printing and stationery

3

4

5

6

2

3

3

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

3

3

1

3

2

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

-

1

-

-

h)

Law charges

-

-

-

1

-

-

-

-

i)

Postage, telegrams, telephones, etc.

1

2

1

1

1

1

1

1

j)

Repairs and maintenance

-

-