(Amount in Rs. lakh)

As on 31st March

Rushikulya Gramin Bank

Ratlam Mandsaur Kshetriya

Ratnagiri Sindhudurg

Items

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(289)

(290)

(291)

(292)

(293)

(294)

1.

Capital

100

100

100

100

100

100

(0.6)

(0.5)

(1.2)

(1.0)

(1.9)

(1.4)

2.

Reserves and Surplus

1074

1815

638

638

-

631

(7.0)

(9.4)

(7.9)

(6.5)

(-)

(9.1)

3.

Deposits

10546

14123

6314

7595

4511

5287

(68.3)

(73.4)

(78.2)

(77.4)

(84.6)

(76.2)

3.1.

Demand deposits

371

328

177

246

208

211

3.2.

Savings bank deposits

2511

3164

2235

2380

1537

1723

3.3.

Term deposits

7664

10631

3903

4968

2765

3353

4.

Borrowings

1960

2076

647

931

511

659

(12.7)

(10.8)

(8.0)

(9.5)

(9.6)

(9.5)

4.1.

From banks*

273

222

17

195

73

52

4.2.

From others

1687

1853

630

735

438

606

5.

Other liabilities

1758

1099

375

553

209

258

(11.4)

(5.7)

(4.6)

(5.6)

(3.9)

(3.7)

5.1.

Bills Payable

31

46

4

52

26

26

5.2.

Inter-office adjustments

-

105

22

-

-

-

5.3.

Interest accrued

64

102

39

44

4

4

5.4.

Others (including provisions)

1662

845

309

457

178

228

Total Liabilities

15437

19213

8075

9817

5330

6934

1.

Cash in hand

115

192

83

99

46

63

(0.7)

(1.0)

(1.0)

(1.0)

(0.9)

(0.9)

2.

Balances with RBI

370

402

192

225

137

162

(2.4)

(2.1)

(2.4)

(2.3)

(2.6)

(2.3)

3.

Balances with banks in India

153

110

2333

5207

769

1871

(1.0)

(0.6)

(28.9)

(53.0)

(14.4)

(27.0)

4.

Money at call and short notice

1432

3750

2154

638

-

-

(9.3)

(19.6)

(26.7)

(6.5)

(-)

(-)

5.

Investments

5799

6459

201

201

1270

1392

(37.6)

(33.6)

(2.5)

(2.0)

(23.8)

(20.1)

6.

Advances

5322

6028

2383

2716

2191

2515

(34.5)

(31.3)

(29.5)

(27.7)

(41.1)

(36.3)

6.1.

Bills purchased and discounted

37

18

-

-

3

5

6.2.

Cash credits, overdrafts & loans

3169

2886

746

697

607

930

6.3.

Term loans

2116

3124

1637

2019

1581

1580

7.

Fixed Assets

22

43

16

18

26

28

(0.1)

(0.2)

(0.2)

(0.2)

(0.5)

(0.4)

8.

Other Assets

2223

2228

712

713

892

904

(14.4)

(11.6)

(8.8)

(7.3)

(16.7)

(13.0)

8.1.

Inter - office adjustments (net)

-

-

-

1

30

11

8.2.

Interest accrued

257

505

126

156

82

127

8.3.

Others

1966

1723

586

556

779

766

Total Assets

15437

19213

8075

9817

5330

6934

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Rayalaseema Gramin Bank

Rewa Sidhi Gramin Bank

Sabarkantha-Gandhinagar

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(295)

(296)

(297)

(298)

(299)

(300)

1.

Capital

100

100

100

100

100

100

(0.3)

(0.2)

(0.5)

(0.4)

(1.4)

(1.2)

2.

Reserves and Surplus

1838

2889

776

776

386

386

(4.6)

(6.4)

(3.6)

(3.2)

(5.6)

(4.8)

3.

Deposits

26170

30247

18715

21212

5068

5699

(66.2)

(66.8)

(86.8)

(86.9)

(73.4)

(71.0)

3.1.

Demand deposits

883

833

1363

1598

364

114

3.2.

Savings bank deposits

6440

7443

7697

8442

1839

2136

3.3.

Term deposits

18847

21970

9655

11172

2865

3449

4.

Borrowings

7064

7961

1287

1239

814

1031

(17.9)

(17.6)

(6.0)

(5.1)

(11.8)

(12.9)

4.1.

From banks*

1688

-

-

-

43

71

4.2.

From others

5376

7961

1287

1239

771

960

5.

Other liabilities

4369

4085

687

1092

536

808

(11.0)

(9.0)

(3.2)

(4.5)

(7.8)

(10.1)

5.1.

Bills Payable

722

319

12

13

3

10

5.2.

Inter-office adjustments

-

681

84

-

64

91

5.3.

Interest accrued

157

143

145

185

329

500

5.4.

Others (including provisions)

3490

2942

447

894

139

206

Total Liabilities

39540

45282

21566

24419

6903

8023

1.

Cash in hand

568

677

360

229

65

94

(1.4)

(1.5)

(1.7)

(0.9)

(0.9)

(1.2)

2.

Balances with RBI

723

942

555

632

144

164

(1.8)

(2.1)

(2.6)

(2.6)

(2.1)

(2.0)

3.

Balances with banks in India

13358

16783

8519

10486

1805

1997

(33.8)

(37.1)

(39.5)

(42.9)

(26.1)

(24.9)

4.

Money at call and short notice

-

-

-

-

1238

1949

(-)

(-)

(-)

(-)

(17.9)

(24.3)

5.

Investments

1328

1325

4812

5812

1503

1559

(3.4)

(2.9)

(22.3)

(23.8)

(21.8)

(19.4)

6.

Advances

22433

24163

5345

5076

1833

2120

(56.7)

(53.4)

(24.8)

(20.8)

(26.6)

(26.4)

6.1.

Bills purchased and discounted

36

64

226

32

2

7

6.2.

Cash credits, overdrafts & loans

16286

15854

378

381

368

423

6.3.

Term loans

6111

8246

4741

4664

1463

1690

7.

Fixed Assets

99

105

33

42

12

15

(0.3)

(0.2)

(0.2)

(0.2)

(0.2)

(0.2)

8.

Other Assets

1031

1286

1941

2142

304

125

(2.6)

(2.8)

(9.0)

(8.8)

(4.4)

(1.6)

8.1.

Inter - office adjustments (net)

239

-

-

45

-

-

8.2.

Interest accrued

476

752

1114

1592

88

111

8.3.

Others

316

535

826

505

216

14

Total Assets

39540

45282

21566

24419

6903

8023

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Sagar Gramin Bank

Sahyadri Gramin Bank

Samastipur Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(301)

(302)

(303)

(304)

(305)

(306)

1.

Capital

96

96

100

100

100

100

(0.3)

(0.3)

(1.8)

(1.4)

(0.7)

(0.6)

2.

Reserves and Surplus

1565

2203

516

516

-

-

(5.2)

(6.0)

(9.1)

(7.5)

(-)

(-)

3.

Deposits

23761

29802

3334

4395

10381

12493

(78.7)

(80.9)

(58.7)

(63.5)

(77.7)

(79.3)

3.1.

Demand deposits

185

193

139

194

418

604

3.2.

Savings bank deposits

10081

11384

1067

1491

5334

6203

3.3.

Term deposits

13494

18225

2128

2710

4629

5686

4.

Borrowings

1120

927

1527

1726

1291

1248

(3.7)

(2.5)

(26.9)

(24.9)

(9.7)

(7.9)

4.1.

From banks*

-

-

177

196

261

51

4.2.

From others

1120

927

1350

1530

1030

1197

5.

Other liabilities

3654

3812

198

189

1592

1906

(12.1)

(10.3)

(3.5)

(2.7)

(11.9)

(12.1)

5.1.

Bills Payable

438

376

63

76

-

-

5.2.

Inter-office adjustments

-

10

56

19

-

-

5.3.

Interest accrued

286

348

48

48

969

1339

5.4.

Others (including provisions)

2930

3077

32

47

623

567

Total Liabilities

30196

36841

5675

6926

13364

15747

1.

Cash in hand

240

311

67

107

85

52

(0.8)

(0.8)

(1.2)

(1.5)

(0.6)

(0.3)

2.

Balances with RBI

747

993

109

147

346

427

(2.5)

(2.7)

(1.9)

(2.1)

(2.6)

(2.7)

3.

Balances with banks in India

7908

10220

1737

2534

5704

6532

(26.2)

(27.7)

(30.6)

(36.6)

(42.7)

(41.5)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

9654

12704

577

766

2049

2918

(32.0)

(34.5)

(10.2)

(11.1)

(15.3)

(18.5)

6.

Advances

6306

6887

2695

2987

2115

2498

(20.9)

(18.7)

(47.5)

(43.1)

(15.8)

(15.9)

6.1.

Bills purchased and discounted

-

-

-

-

-

-

6.2.

Cash credits, overdrafts & loans

84

61

990

1244

885

1314

6.3.

Term loans

6222

6825

1705

1743

1230

1185

7.

Fixed Assets

50

57

16

21

15

26

(0.2)

(0.2)

(0.3)

(0.3)

(0.1)

(0.2)

8.

Other Assets

5292

5670

474

364

3050

3293

(17.5)

(15.4)

(8.4)

(5.3)

(22.8)

(20.9)

8.1.

Inter - office adjustments (net)

82

-

-

-

98

102

8.2.

Interest accrued

1262

1723

111

113

157

310

8.3.

Others

3948

3947

363

251

2795

2881

Total Assets

30196

36841

5675

6926

13364

15747

(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

Samyut Kshetriya

Sangameshwar Gramin Bank

Santhal Parganas Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(307)

(308)

(309)

(310)

(311)

(312)

1.

Capital

100

100

100

100

100

100

(0.2)

(0.2)

(0.7)

(0.6)

(0.4)

(0.4)

2.

Reserves and Surplus

3424

4463

1909

1984

1127

2113

(6.3)

(6.8)

(12.8)

(20.0)

(5.0)

(7.7)

3.

Deposits

48535

58955

9304

9995

17806

20735

(89.5)

(89.5)

(62.2)

(60.3)

(78.8)

(75.9)

3.1.

Demand deposits

2238

3147

654

484

619

555

3.2.

Savings bank deposits

23287

28152

3281

3627

11636

13439

3.3.

Term deposits

23010

27656

5369

5884

5552

6742

4.

Borrowings

1633

1460

2656

3132

1286

1478

(3.0)

(2.2)

(17.8)

(18.9)

(5.7)

(5.4)

4.1.

From banks*

131

76

577

705

183

168

4.2.

From others

1502

1384

2079

2427

1103

1310

5.

Other liabilities

511

889

978

1370

2286

2878

(0.9)

(1.3)

(6.5)

(8.3)

(10.1)

(10.5)

5.1.

Bills Payable

98

222

74

131

256

181

5.2.

Inter-office adjustments

-

87

-

7

-

-

5.3.

Interest accrued

391

447

771

1083

1408

1869

5.4.

Others (including provisions)

22

134

133

149

623

828

Total Liabilities

54203

65867

14948

16579

22605

27304

1.

Cash in hand

540

615

227

315

95

102

(1.0)

(0.9)

(1.5)

(1.9)

(0.4)

(0.4)

2.

Balances with RBI

1537

1776

307

459

531

636

(2.8)

(2.7)

(2.1)

(2.8)

(2.3)

(2.3)

3.

Balances with banks in India

26224

32368

2755

6459

2058

13655

(48.4)

(49.1)

(18.4)

(38.9)

(9.1)

(50.0)

4.

Money at call and short notice

-

-

-

-

8751

-

(-)

(-)

(-)

(-)

(38.7)

(-)

5.

Investments

15193

17993

4653

1251

4235

4735

(28.0)

(27.3)

(31.1)

(7.5)

(18.7)

(17.3)

6.

Advances

5855

5603

5404

6725

3055

3695

(10.8)

(8.5)

(36.2)

(40.6)

(13.5)

(13.5)

6.1.

Bills purchased and discounted

4

2

-

-

-

-

6.2.

Cash credits, overdrafts & loans

700

387

2370

2620

1005

1178

6.3.

Term loans

5151

5214

3035

4105

2050

2517

7.

Fixed Assets

47

47

20

27

12

12

(0.1)

(0.1)

(0.1)

(0.2)

(0.1)

(-)

8.

Other Assets

4807

7464

1582

1342

3869

4470

(8.9)

(11.3)

(10.6)

(8.1)

(17.1)

(16.4)

8.1.

Inter - office adjustments (net)

62

-

86

-

73

116

8.2.

Interest accrued

4473

7115

152

193

1504

2173

8.3.

Others

272

349

1344

1149

2292

2181

Total Assets

54203

65867

14948

16579

22605

27304

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Saran Kshetriya Gramin Bank

Sarayu Gramin Bank

Shahajahanpur Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(313)

(314)

(315)

(316)

(317)

(318)

1.

Capital

83

100

100

100

100

100

(0.9)

(0.9)

(0.9)

(0.7)

(1.2)

(0.9)

2.

Reserves and Surplus

-

-

754

1246

552

761

(-)

(-)

(6.8)

(9.3)

(6.6)

(7.0)

3.

Deposits

8574

10578

8881

10456

5784

7597

(89.6)

(90.9)

(80.3)

(77.8)

(68.8)

(69.6)

3.1.

Demand deposits

47

84

1013

1886

356

647

3.2.

Savings bank deposits

3919

4710

5378

5426

3252

4150

3.3.

Term deposits

4608

5783

2490

3143

2176

2801

4.

Borrowings

397

464

989

1316

1314

1728

(4.1)

(4.0)

(8.9)

(9.8)

(15.6)

(15.8)

4.1.

From banks*

-

-

211

261

195

269

4.2.

From others

397

464

779

1055

1119

1460

5.

Other liabilities

515

499

336

315

657

728

(5.4)

(4.3)

(3.0)

(2.3)

(7.8)

(6.7)

5.1.

Bills Payable

-

-

13

14

52

55

5.2.

Inter-office adjustments

-

-

85

-

174

451

5.3.

Interest accrued

50

50

46

60

17

42

5.4.

Others (including provisions)

465

449

192

241

415

179

Total Liabilities

9568

11641

11060

13433

8407

10915

1.

Cash in hand

53

43

142

214

27

61

(0.6)

(0.4)

(1.3)

(1.6)

(0.3)

(0.6)

2.

Balances with RBI

258

321

270

318

200

250

(2.7)

(2.8)

(2.4)

(2.4)

(2.4)

(2.3)

3.

Balances with banks in India

4357

5996

434

287

3250

5064

(45.5)

(51.5)

(3.9)

(2.1)

(38.7)

(46.4)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

25

25

7511

8815

2025

1752

(0.3)

(0.2)

(67.9)

(65.6)

(24.1)

(16.0)

6.

Advances

2072

2348

2274

3107

2350

3432

(21.7)

(20.2)

(20.6)

(23.1)

(27.9)

(31.4)

6.1.

Bills purchased and discounted

-

-

-

-

-

-

6.2.

Cash credits, overdrafts & loans

211

267

1083

1336

1029

1680

6.3.

Term loans

1861

2081

1190

1771

1321

1752

7.

Fixed Assets

5

5

21

33

11

12

(0.1)

(-)

(0.2)

(0.2)

(0.1)

(0.1)

8.

Other Assets

2798

2902

408

659

545

344

(29.2)

(24.9)

(3.7)

(4.9)

(6.5)

(3.2)

8.1.

Inter - office adjustments (net)

12

31

-

80

-

-

8.2.

Interest accrued

255

16

391

561

17

23

8.3.

Others

2531

2855

17

18

529

321

Total Assets

9568

11641

11060

13433

8407

10915

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Shahdol Kshetriya

Sharda Gramin Bank

Shekhawati Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(319)

(320)

(321)

(322)

(323)

(324)

1.

Capital

100

100

100

100

100

100

(1.6)

(1.3)

(0.9)

(0.8)

(0.4)

(0.4)

2.

Reserves and Surplus

-

-

1035

1514

1981

2953

(-)

(-)

(9.7)

(12.1)

(8.8)

(10.9)

3.

Deposits

5595

6610

8528

9655

16712

19982

(88.3)

(86.9)

(80.0)

(77.4)

(74.2)

(74.1)

3.1.

Demand deposits

538

540

475

554

305

404

3.2.

Savings bank deposits

2382

2543

2966

3120

5192

5894

3.3.

Term deposits

2675

3527

5087

5981

11215

13683

4.

Borrowings

170

231

344

405

1870

1995

(2.7)

(3.0)

(3.2)

(3.2)

(8.3)

(7.4)

4.1.

From banks*

-

-

-

3

20

77

4.2.

From others

170

231

344

402

1850

1919

5.

Other liabilities

469

668

657

803

1846

1946

(7.4)

(8.8)

(6.2)

(6.4)

(8.2)

(7.2)

5.1.

Bills Payable

7

25

24

40

46

39

5.2.

Inter-office adjustments

-

-

22

37

34

35

5.3.

Interest accrued

18

39

6

6

46

57

5.4.

Others (including provisions)

443

605

606

720

1720

1815

Total Liabilities

6334

7609

10664

12477

22508

26976

1.

Cash in hand

73

65

107

243

585

579

(1.2)

(0.9)

(1.0)

(1.9)

(2.6)

(2.1)

2.

Balances with RBI

160

197

252

283

509

708

(2.5)

(2.6)

(2.4)

(2.3)

(2.3)

(2.6)

3.

Balances with banks in India

1536

1368

4622

5782

5690

6056

(24.3)

(18.0)

(43.3)

(46.3)

(25.3)

(22.4)

4.

Money at call and short notice

1183

1515

-

-

-

-

(18.7)

(19.9)

(-)

(-)

(-)

(-)

5.

Investments

325

801

2003

2228

3986

7294

(5.1)

(10.5)

(18.8)

(17.9)

(17.7)

(27.0)

6.

Advances

1153

1302

1745

2025

7981

8399

(18.2)

(17.1)

(16.4)

(16.2)

(35.5)

(31.1)

6.1.

Bills purchased and discounted

95

8

-

-

55

74

6.2.

Cash credits, overdrafts & loans

80

122

140

320

1177

1287

6.3.

Term loans

979

1172

1605

1705

6749

7039

7.

Fixed Assets

6

7

10

13

11

10

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

(-)

8.

Other Assets

1896

2355

1925

1902

3746

3930

(29.9)

(30.9)

(18.1)

(15.2)

(16.6)

(14.6)

8.1.

Inter - office adjustments (net)

55

55

-

-

-

-

8.2.

Interest accrued

275

460

162

194

530

824

8.3.

Others

15766