(Amount in Rs. lakh)

As on 31st March

Nimar Kshetriya Gramin Bank

North Malabar Gramin Bank

Palamau Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(253)

(254)

(255)

(256)

(257)

(258)

1.

Capital

100

100

100

100

100

100

(0.7)

(0.6)

(0.3)

(0.2)

(0.7)

(0.6)

2.

Reserves and Surplus

1479

1601

3061

4256

-

-

(10.4)

(9.7)

(9.1)

(9.9)

(-)

(-)

3.

Deposits

10551

12196

17748

23277

12021

13979

(74.0)

(74.1)

(52.6)

(54.4)

(83.7)

(80.5)

3.1.

Demand deposits

573

794

733

1023

463

645

3.2.

Savings bank deposits

3660

3659

4983

6612

7430

8276

3.3.

Term deposits

6317

7743

12032

15641

4128

5058

4.

Borrowings

1143

1376

11798

13831

327

541

(8.0)

(8.4)

(34.9)

(32.3)

(2.3)

(3.1)

4.1.

From banks*

111

146

2273

2576

7

7

4.2.

From others

1032

1230

9525

11255

321

534

5.

Other liabilities

982

1179

1052

1351

1913

2743

(6.9)

(7.2)

(3.1)

(3.2)

(13.3)

(15.8)

5.1.

Bills Payable

110

270

252

302

10

102

5.2.

Inter-office adjustments

-

-

125

239

39

-

5.3.

Interest accrued

30

30

118

134

1013

1376

5.4.

Others (including provisions)

842

879

557

676

852

1265

Total Liabilities

14255

16453

33759

42814

14362

17363

1.

Cash in hand

97

135

606

853

95

63

(0.7)

(0.8)

(1.8)

(2.0)

(0.7)

(0.4)

2.

Balances with RBI

330

375

566

686

386

454

(2.3)

(2.3)

(1.7)

(1.6)

(2.7)

(2.6)

3.

Balances with banks in India

4357

5720

4649

5945

6660

7729

(30.6)

(34.8)

(13.8)

(13.9)

(46.4)

(44.5)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

3039

3186

4286

6933

1090

1690

(21.3)

(19.4)

(12.7)

(16.2)

(7.6)

(9.7)

6.

Advances

4524

5081

21919

26249

2864

3317

(31.7)

(30.9)

(64.9)

(61.3)

(19.9)

(19.1)

6.1.

Bills purchased and discounted

-

-

52

35

-

-

6.2.

Cash credits, overdrafts & loans

1322

746

11408

16383

2864

3304

6.3.

Term loans

3202

4335

10459

9832

-

-

7.

Fixed Assets

24

25

156

188

13

13

(0.2)

(0.1)

(0.5)

(0.4)

(0.1)

(0.1)

8.

Other Assets

1884

1932

1576

1959

3253

4110

(13.2)

(11.7)

(4.7)

(4.6)

(22.6)

(23.7)

8.1.

Inter - office adjustments (net)

111

148

-

-

-

69

8.2.

Interest accrued

238

300

266

426

467

1068

8.3.

Others

1535

1483

1311

1534

2786

2973

Total Assets

14255

16453

33759

42814

14362

17363

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Panchamahal

Pandyan

Parvatiya

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(259)

(260)

(261)

(262)

(263)

(264)

1.

Capital

100

100

100

100

100

100

(1.0)

(0.9)

(0.3)

(0.3)

(2.0)

(1.4)

2.

Reserves and Surplus

1130

1130

736

1396

205

267

(11.3)

(10.6)

(2.5)

(3.8)

(4.0)

(3.8)

3.

Deposits

6519

8182

22073

27200

3838

5617

(65.3)

(69.8)

(73.8)

(73.4)

(75.9)

(80.2)

3.1.

Demand deposits

74

215

424

496

209

343

3.2.

Savings bank deposits

2498

2758

8109

9119

1321

1922

3.3.

Term deposits

3947

5210

13540

17586

2308

3351

4.

Borrowings

1618

1718

5250

6423

445

449

(16.2)

(14.7)

(17.5)

(17.3)

(8.8)

(6.4)

4.1.

From banks*

234

256

1481

1766

44

46

4.2.

From others

1384

1462

3769

4656

401

403

5.

Other liabilities

619

478

1763

1939

470

572

(6.2)

(4.1)

(5.9)

(5.2)

(9.3)

(8.2)

5.1.

Bills Payable

-

-

526

76

17

1

5.2.

Inter-office adjustments

7

15

222

585

-

3

5.3.

Interest accrued

53

71

149

196

416

525

5.4.

Others (including provisions)

560

392

867

1082

38

43

Total Liabilities

9986

11608

29922

37057

5058

7005

1.

Cash in hand

49

46

252

416

46

49

(0.5)

(0.4)

(0.8)

(1.1)

(0.9)

(0.7)

2.

Balances with RBI

183

258

684

874

125

182

(1.8)

(2.2)

(2.3)

(2.4)

(2.5)

(2.6)

3.

Balances with banks in India

2015

2605

10174

14089

166

378

(20.2)

(23.2)

(34.0)

(38.0)

(3.3)

(5.4)

4.

Money at call and short notice

-

-

-

-

1986

3092

(-)

(-)

(-)

(-)

(39.3)

(44.1)

5.

Investments

2613

3078

743

2534

989

1189

(26.2)

(26.3)

(2.5)

(6.8)

(19.6)

(17.0)

6.

Advances

3934

4431

14315

15626

1037

1262

(39.4)

(37.8)

(47.8)

(42.2)

(20.5)

(18.0)

6.1.

Bills purchased and discounted

19

1

9

14

-

-

6.2.

Cash credits, overdrafts & loans

1298

1846

11924

12315

300

351

6.3.

Term loans

2616

2584

2382

3298

737

911

7.

Fixed Assets

14

17

44

62

4

5

(0.1)

(0.1)

(0.1)

(0.2)

(0.1)

(0.1)

8.

Other Assets

1178

1173

3711

3456

705

847

(11.8)

(10.0)

(12.4)

(9.3)

(13.9)

(12.1)

8.1.

Inter - office adjustments (net)

-

-

-

-

-

-

8.2.

Interest accrued

-

-

477

630

427

679

8.3.

Others

1178

1173

3234

2826

278

169

Total Assets

9986

11608

29922

37057

5058

7005

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Patliputra Gramin Bank

Pinakini Gramin Bank

Pithoragarh Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(265)

(266)

(267)

(268)

(269)

(270)

1.

Capital

100

100

100

100

100

100

(3.5)

(2.6)

(0.6)

(0.4)

(1.8)

(1.4)

2.

Reserves and Surplus

216

326

1398

1771

264

436

(7.5)

(8.3)

(7.9)

(6.4)

(4.6)

(6.0)

3.

Deposits

2301

3153

11852

17044

4290

5371

(79.9)

(80.6)

(67.2)

(61.7)

(75.1)

(73.9)

3.1.

Demand deposits

172

188

713

1320

90

136

3.2.

Savings bank deposits

772

1225

3727

5184

1511

1748

3.3.

Term deposits

1357

1740

7412

10541

2688

3487

4.

Borrowings

78

137

3406

4199

476

541

(2.7)

(3.5)

(19.3)

(15.2)

(8.3)

(7.4)

4.1.

From banks*

-

-

703

885

81

69

4.2.

From others

78

137

2703

3315

394

473

5.

Other liabilities

187

195

889

4527

585

822

(6.5)

(5.0)

(5.0)

(16.4)

(10.2)

(11.3)

5.1.

Bills Payable

6

-

266

1076

-

-

5.2.

Inter-office adjustments

10

39

170

1033

6

2

5.3.

Interest accrued

2

4

44

48

527

733

5.4.

Others (including provisions)

169

153

409

2370

53

87

Total Liabilities

2881

3912

17646

27642

5714

7269

1.

Cash in hand

108

68

687

985

48

37

(3.7)

(1.7)

(3.9)

(3.6)

(0.8)

(0.5)

2.

Balances with RBI

78

98

351

502

146

185

(2.7)

(2.5)

(2.0)

(1.8)

(2.6)

(2.5)

3.

Balances with banks in India

110

424

5830

9353

144

3834

(3.8)

(10.8)

(33.0)

(33.8)

(2.5)

(52.7)

4.

Money at call and short notice

420

400

-

-

2570

-

(14.6)

(10.2)

(-)

(-)

(45.0)

(-)

5.

Investments

1029

1669

64

114

1263

1413

(35.7)

(42.7)

(0.4)

(0.4)

(22.1)

(19.4)

6.

Advances

525

759

8335

10650

1256

1402

(18.2)

(19.4)

(47.2)

(38.5)

(22.0)

(19.3)

6.1.

Bills purchased and discounted

3

81

7

5

-

-

6.2.

Cash credits, overdrafts & loans

147

174

98

116

378

437

6.3.

Term loans

375

504

8230

10529

879

965

7.

Fixed Assets

5

5

35

46

6

7

(0.2)

(0.1)

(0.2)

(0.2)

(0.1)

(0.1)

8.

Other Assets

607

489

2343

5992

281

392

(21.1)

(12.5)

(13.3)

(21.7)

(4.9)

(5.4)

8.1.

Inter - office adjustments (net)

-

132

37

-

-

-

8.2.

Interest accrued

67

-

51

370

271

381

8.3.

Others

540

357

2254

5622

10

11

Total Assets

2881

3912

17646

27642

5714

7269

(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

Pragjyotish Gaonlia Bank

Pratapgarh Kshetriya

Prathama Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(271)

(272)

(273)

(274)

(275)

(276)

1.

Capital

93

100

100

100

100

100

(0.2)

(0.2)

(0.6)

(0.5)

(0.2)

(0.2)

2.

Reserves and Surplus

2998

3077

424

522

1123

3150

(7.0)

(5.8)

(2.6)

(2.6)

(2.1)

(5.4)

3.

Deposits

29964

37457

14557

17543

38711

43977

(70.1)

(70.3)

(87.8)

(87.8)

(71.9)

(75.7)

3.1.

Demand deposits

3172

3015

448

564

2311

3218

3.2.

Savings bank deposits

14799

19144

6762

8004

23790

26165

3.3.

Term deposits

11994

15298

7348

8975

12611

14595

4.

Borrowings

2924

2934

818

865

8943

9130

(6.8)

(5.5)

(4.9)

(4.3)

(16.6)

(15.7)

4.1.

From banks*

-

117

40

40

1769

1779

4.2.

From others

2924

2817

778

825

7174

7351

5.

Other liabilities

6746

9742

679

782

4988

1725

(15.8)

(18.3)

(4.1)

(4.7)

(9.3)

(3.0)

5.1.

Bills Payable

-

-

43

49

530

328

5.2.

Inter-office adjustments

-

-

42

-

249

129

5.3.

Interest accrued

346

504

99

78

302

383

5.4.

Others (including provisions)

6399

9239

495

655

3908

886

Total Liabilities

42725

53311

16578

19812

53865

58082

1.

Cash in hand

527

702

236

148

735

1143

(1.2)

(1.3)

(1.4)

(0.7)

(1.4)

(2.0)

2.

Balances with RBI

848

1126

429

529

1200

1410

(2.0)

(2.1)

(2.6)

(2.6)

(2.2)

(2.4)

3.

Balances with banks in India

9061

11925

4757

5427

2669

2059

(21.2)

(22.4)

(28.7)

(27.2)

(5.0)

(3.5)

4.

Money at call and short notice

-

-

1366

3066

-

-

(-)

-

(8.2)

(15.4)

(-)

(-)

5.

Investments

10425

13840

3901

4651

26008

30222

(24.4)

(26.0)

(23.5)

(23.3)

(48.3)

(52.0)

6.

Advances

10799

11876

2883

3237

18733

21495

(25.3)

(22.3)

(17.4)

(17.0)

(34.8)

(37.0)

6.1.

Bills purchased and discounted

-

-

-

-

12

40

6.2.

Cash credits, overdrafts & loans

2572

2829

570

694

1467

645

6.3.

Term loans

8227

9048

2314

2543

17255

20810

7.

Fixed Assets

86

91

22

26

51

57

(0.2)

(0.2)

(0.1)

(0.1)

(0.1)

(0.1)

8.

Other Assets

10979

13751

2983

2727

4470

1697

(25.7)

(25.8)

(18.0)

(13.7)

(8.3)

(2.9)

8.1.

Inter - office adjustments (net)

5660

8175

-

93

-

-

8.2.

Interest accrued

786

905

1128

919

3058

1335

8.3.

Others

4533

8943

1856

1715

1412

362

Total Assets

42725

53311

16578

19812

53865

58082

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Puri Gramya Bank

Rae Bareli Kshetriya

Raigarh Kshetriya

Items

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(277)

(278)

(279)

(280)

(281)

(282)

1.

Capital

100

100

100

100

100

100

(0.5)

(0.3)

(0.6)

(0.5)

(1.1)

(0.9)

2.

Reserves and Surplus

-

692

1285

1285

1014

1675

(-)

(2.4)

(7.7)

(6.3)

(11.0)

(14.8)

3.

Deposits

13726

19303

13828

17432

6713

7798

(72.2)

(66.8)

(83.4)

(85.4)

(73.1)

(68.8)

3.1.

Demand deposits

276

335

481

663

732

705

3.2.

Savings bank deposits

4077

4853

6213

8266

2894

3316

3.3.

Term deposits

9373

14114

7134

8503

3088

3777

4.

Borrowings

3273

4093

787

836

397

479

(17.2)

(14.2)

(4.7)

(4.1)

(4.3)

(4.2)

4.1.

From banks*

682

471

-

836

25

22

4.2.

From others

2591

3621

787

-

372

457

5.

Other liabilities

1902

4718

590

764

956

1281

(10.0)

(16.3)

(3.6)

(3.7)

(10.4)

(11.3)

5.1.

Bills Payable

63

90

12

15

-

-

5.2.

Inter-office adjustments

669

2795

94

104

-

-

5.3.

Interest accrued

101

194

101

121

664

907

5.4.

Others (including provisions)

1070

1639

384

525

293

374

Total Liabilities

19001

28906

16590

20418

9181

11333

1.

Cash in hand

210

374

157

158

29

58

(1.1)

(1.3)

(0.9)

(0.8)

(0.3)

(0.5)

2.

Balances with RBI

417

677

415

520

230

278

(2.2)

(2.3)

(2.5)

(2.5)

(2.5)

(2.4)

3.

Balances with banks in India

3642

5812

5153

6554

4773

5801

(19.2)

(20.1)

(31.1)

(32.1)

(52.0)

(51.2)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

2010

2340

6217

7942

211

261

(10.6)

(8.1)

(37.5)

(38.9)

(2.3)

(2.3)

6.

Advances

5932

10515

2694

2894

1435

1719

(31.2)

(36.4)

(16.2)

(14.2)

(15.6)

(15.2)

6.1.

Bills purchased and discounted

63

3

2

1

-

-

6.2.

Cash credits, overdrafts & loans

2784

5230

2692

2893

505

577

6.3.

Term loans

3086

5282

-

-

930

1143

7.

Fixed Assets

10

24

29

35

6

5

(0.1)

(0.1)

(0.2)

(0.2)

(0.1)

(0.0)

8.

Other Assets

6779

9164

1925

2315

2498

3211

(35.7)

(31.7)

(11.6)

(11.3)

(27.2)

(28.3)

8.1.

Inter - office adjustments (net)

-

-

-

-

80

208

8.2.

Interest accrued

203

268

553

1187

625

1251

8.3.

Others

6575

8896

1372

1129

1793

1753

Total Assets

19001

28906

16590

20418

9181

11333

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Rajgarh Kshetriya

Ranchi Kshetriya Gramin Bank

Rani Laxmibai Kshetriya

Items

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(283)

(284)

(285)

(286)

(287)

(288)

1.

Capital

100

100

100

100

100

100

(1.5)

(1.1)

(0.8)

(0.7)

(1.6)

(1.3)

2.

Reserves and Surplus

-

-

-

-

1

1

(-)

(-)

(-)

(-)

(-)

(-)

3.

Deposits

5574

7485

10840

12217

5057

6001

(83.3)

(83.4)

(84.4)

(83.2)

(79.9)

(80.3)

3.1.

Demand deposits

253

422

735

920

99

154

3.2.

Savings bank deposits

2106

2589

5221

5314

2170

2519

3.3.

Term deposits

3215

4474

4884

5983

2789

3328

4.

Borrowings

577

963

838

848

458

372

(8.6)

(10.7)

(6.5)

(5.8)

(7.2)

(5.0)

4.1.

From banks*

31

26

-

-

21

21

4.2.

From others

547

937

838

848

437

351

5.

Other liabilities

440

422

1059

1514

714

1004

(6.6)

(4.7)

(8.3)

(10.3)

(11.3)

(13.4)

5.1.

Bills Payable

48

46

-

-

9

24

5.2.

Inter-office adjustments

-

-

-

-

-

3

5.3.

Interest accrued

14

38

302

-

7

8

5.4.

Others (including provisions)

378

338

757

1514

698

969

Total Liabilities

6692

8970

12837

14678

6330

7478

1.

Cash in hand

117

128

121

107

81

80

(1.8)

(1.4)

(0.9)

(0.7)

(1.3)

(1.1)

2.

Balances with RBI

162

219

315

376

156

177

(2.4)

(2.4)

(2.5)

(2.6)

(2.5)

(2.4)

3.

Balances with banks in India

1613

420

4184

5456

278

156

(24.1)

(4.7)

(32.6)

(37.2)

(4.4)

(2.1)

4.

Money at call and short notice

-

1713

-

-

1551

1486

(-)

(19.1)

(-)

(-)

(24.5)

(19.9)

5.

Investments

1186

1676

2190

2242

-

428

(17.7)

(18.7)

(17.1)

(15.3)

(-)

(5.7)

6.

Advances

2024

3179

3190

3580

1921

2370

(30.3)

(35.4)

(24.8)

(24.4)

(30.3)

(31.7)

6.1.

Bills purchased and discounted

-

-

-

-

-

-

6.2.

Cash credits, overdrafts & loans

502

722

2521

2974

260

366

6.3.

Term loans

1523

2457

669

606

1661

2004

7.

Fixed Assets

14

20

38

36

13

16

(0.2)

(0.2)

(0.3)

(0.2)

(0.2)

(0.2)

8.

Other Assets

1575

1615

2799

2883

2330

2764

(23.5)

(18.0)

(21.8)

(19.6)

(36.8)

(37.0)

8.1.

Inter - office adjustments (net)

97

34

93

16

20

-

8.2.

Interest accrued