(Amount in Rs. lakh)

For the year ended March 31

Items

Adhiyaman

Akola Gramin Bank

Alaknanda Gramin Bank

Aligarh Gramin Bank

Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Income

I. Interest Earned

903

1067

905

982

1156

1191

5381

5197

a) Interest/discount on advances/bills

517

636

600

640

264

293

1961

2208

b) Income on Investments

156

159

0

5

191

168

1078

1083

c) Interest on balances with

231

272

305

336

700

731

2343

40

RBI and other inter-bank funds

d) Others

0

0

0

0

0

0

0

1867

II. Other income

47

52

116

75

30

28

130

430

a) Commission, exchange and brokerage

22

26

70

73

21

26

36

32

b) Other miscellaneous income

25

26

46

2

10

2

94

398

Total (I+II)

950

1119

1021

1057

1186

1219

5511

5627

Expenditure & Provisions

III. Interest expended

488

557

472

550

761

812

3203

2915

a) Interest on deposits

393

445

362

422

717

770

2969

2848

b) Interest on RBI/inter-bank borrowings

95

112

0

127

44

43

234

67

c) Others

0

0

110

0

0

0

0

0

IV. Operating expenses

191

240

344

384

331

357

999

1078

a) Payments to and provisions for employees

163

198

306

335

276

304

896

965

b) Rent, taxes and lighting

7

11

9

9

8

10

22

24

c) Printing and stationery

5

4

5

3

5

4

13

10

d) Advertisement and publicity

0

0

0

0

0

0

0

0

e) Depreciation on Bank's property

5

6

2

4

2

3

4

6

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

1

1

1

1

1

1

3

3

h) Law charges

0

0

0

0

0

0

1

3

i) Postage, telegrams, telephones, etc.

1

1

2

2

3

3

10

12

j) Repairs and maintenance

2

3

0

0

1

0

1

2

k) Insurance

1

1

12

12

4

5

1

2

l) Other expenditure

5

14

7

16

30

26

48

51

V. Provisions and contingencies

17

31

46

111

8

4

87

232

Total expenses*

679

797

816

934

1091

1169

4202

3993

VI. Profit /loss

254

291

160

12

87

46

1221

1403

Total (III+IV+V+VI)

950

1119

1021

1057

1186

1219

5511

5627

(Amount in Rs. lakh)

Items

Allahabad

Alwar Bharatpur

Ambala Kurukshetra

Aravali

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

Income

I. Interest Earned

3525

3616

2661

3051

1439

1479

1245

1588

a) Interest/discount on advances/bills

781

757

1447

1819

829

943

582

969

b) Income on Investments

422

302

859

932

197

166

90

127

c) Interest on balances with

2315

2557

355

293

414

371

573

482

RBI and other inter-bank funds

d) Others

6

0

0

8

0

0

0

10

II. Other income

142

124

632

658

43

35

118

241

a) Commission, exchange and brokerage

27

32

49

58

8

10

36

48

b) Other miscellaneous income

115

91

583

600

34

25

82

193

Total (I+II)

3668

3740

3293

3710

1482

1514

1362

1829

Expenditure & Provisions

III. Interest expended

2248

2392

1653

1820

899

864

1060

1095

a) Interest on deposits

2131

2271

1343

1438

772

776

947

968

b) Interest on RBI/inter-bank borrowings

117

121

306

382

127

88

113

127

c) Others

0

0

4

0

0

0

0

0

IV. Operating expenses

831

989

842

854

340

361

341

725

a) Payments to and provisions for employees

731

858

732

716

271

296

280

628

b) Rent, taxes and lighting

20

20

18

22

9

11

12

13

c) Printing and stationery

8

8

10

9

4

3

7

6

d) Advertisement and publicity

0

0

0

0

0

0

0

0

e) Depreciation on Bank's property

6

6

15

17

5

4

3

4

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

2

2

3

3

1

1

2

2

h) Law charges

0

0

0

1

2

2

0

0

i) Postage, telegrams, telephones, etc.

3

4

8

10

4

4

5

6

j) Repairs and maintenance

0

0

3

3

1

1

2

2

k) Insurance

20

23

13

14

11

7

8

10

l) Other expenditure

40

70

40

60

33

32

22

54

V. Provisions and contingencies

97

283

96

65

62

85

28

0

Total expenses*

3079

3382

2494

2673

1239

1225

1400

1820

VI. Profit /loss

492

75

703

972

181

204

-65

9

Total (III+IV+V+VI)

3668

3740

3293

3710

1482

1514

1362

1829

(Amount in Rs. lakh)

Item

Arunachal Pradesh

Aurangabad Jalana

Avadh Gramin Bank

Baitarani Gramin Bank

Rural Bank

Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

Income

I. Interest Earned

265

249

2550

2412

5343

5304

3851

5877

a) Interest/discount on advances/bills

184

165

1542

1430

1075

1297

1269

1762

b) Income on Investments

72

75

988

957

4224

3960

371

418

c) Interest on balances with

10

8

20

25

44

46

2209

1190

RBI and other inter-bank funds

d) Others

0

0

0

0

0

0

2

2507

II. Other income

18

13

208

225

87

410

84

89

a) Commission, exchange and brokerage

10

13

187

184

28

35

36

8

b) Other miscellaneous income

9

0

22

42

59

375

48

81

Total (I+II)

284

262

2758

2637

5430

5714

3935

5965

Expenditure & Provisions

III. Interest expended

338

437

1422

1570

3266

3355

3079

4766

a) Interest on deposits

257

367

1054

1178

3127

3209

1653

1847

b) Interest on RBI/inter-bank borrowings

80

65

368

386

140

145

288

418

c) Others

0

5

0

6

0

0

1138

2501

IV. Operating expenses

125

237

661

684

1250

1490

725

1082

a) Payments to and provisions for employees

91

200

482

496

1099

1315

665

1010

b) Rent, taxes and lighting

8

9

23

27

31

35

13

16

c) Printing and stationery

4

4

11

12

20

18

9

6

d) Advertisement and publicity

0

1

6

4

0

0

0

0

e) Depreciation on Bank's property

2

3

47

56

30

22

3

0

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

1

1

2

3

3

3

3

3

h) Law charges

0

0

0

0

1

0

2

1

i) Postage, telegrams, telephones, etc.

0

1

8

10

6

6

1

5

j) Repairs and maintenance

1

1

7

15

7

10

1

1

k) Insurance

6

5

7

9

28

35

13

18

l) Other expenditure

12

12

68

51

25

44

16

23

V. Provisions and contingencies

657

706

173

703

154

72

117

3

Total expenses*

462

674

2083

2253

4516

4844

3804

5848

VI. Profit /loss

-836

-1119

502

-319

761

798

14

115

Total (III+IV+V+VI)

284

262

2758

2637

5430

5714

3935

5965

Item

Balasore Gramya Bank

Ballia

Banaskantha Mehsana

Bara Banki

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

Income

I. Interest Earned

531

578

3626

3690

2492

2530

3229

3233

a) Interest/discount on advances/bills

256

254

491

448

1104

1163

783

858

b) Income on Investments

11

85

3102

3187

945

1024

1716

2269

c) Interest on balances with

264

240

12

43

442

343

697

73

RBI and other inter-bank funds

d) Others

0

0

22

12

1

0

34

33

II. Other income

49

58

146

75

91

110

95

283

a) Commission, exchange and brokerage

6

11

32

37

22

22

34

39

b) Other miscellaneous income

43

47

114

38

69

88

60

243

Total (I+II)

580

636

3772

3765

2582

2639

3324

3515

Expenditure & Provisions

III. Interest expended

1050

1177

2254

2307

1768

1712

1944

2003

a) Interest on deposits

1011

1084

2147

537

1495

1473

1830

1902

b) Interest on RBI/inter-bank borrowings

7

8

2

1677

273

239

113

101

c) Others

32

85

106

93

0

0

0

0

IV. Operating expenses

472

789

790

869

699

743

855

933

a) Payments to and provisions for employees

416

712

732

795

619

640

792

865

b) Rent, taxes and lighting

12

13

11

11

13

17

12

12

c) Printing and stationery

3

3

4

6

7

7

8

7

d) Advertisement and publicity

0

0

0

0

0

0

1

0

e) Depreciation on Bank's property

2

3

3

3

11

19

3

4

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

1

1

2

2

2

2

2

2

h) Law charges

0

1

0

0

0

0

1

1

i) Postage, telegrams, telephones, etc.

3

4

3

3

5

5

3

4

j) Repairs and maintenance

0

1

0

0

3

3

1

2

k) Insurance

12

8

0

0

1

3

1

1

l) Other expenditure

22

44

35

49

38

47

32

36

V. Provisions and contingencies

114

-44

44

216

50

84

6

88

Total expenses*

1523

1966

3045

3175

2467

2455

2799

2937

VI. Profit /loss

-1057

-1286

683

374

65

100

519

491

Total (III+IV+V+VI)

580

636

3772

3765

2582

2639

3324

3515

(Amount in Rs. lakh)

Items

Bardhaman

Bareilly

Bastar

Basti Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Kshetriya Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Income

I. Interest Earned

4531

4259

2370

2587

737

947

3980

3743

a) Interest/discount on advances/bills

1069

1224

973

1078

365

596

691

689

b) Income on Investments

2617

1098

318

270

1

7

3220

2948

c) Interest on balances with

845

1937

1079

1239

371

344

69

105

RBI and other inter-bank funds

d) Others

0

0

0

0

0

0

0

0

II. Other income

251

224

135

175

42

66

390

208

a) Commission, exchange and brokerage

30

35

34

40

42

65

118

147

b) Other miscellaneous income

221

190

101

135

0

1

273

61

Total (I+II)

4782

4483

2505

2762

779

1013

4370

3950

Expenditure & Provisions

III. Interest expended

3210

3285

1219

1239

708

795

2236

2276

a) Interest on deposits

3123

3198

1053

1090

675

742

2046

2065

b) Interest on RBI/inter-bank borrowings

86

87

16

9

34

53

191

210

c) Others

1

0

150

140

0

0

0

0

IV. Operating expenses

1126

1157

743

889

478

601

924

1054

a) Payments to and provisions for employees

1016

1026

656

787

438

565

812

900

b) Rent, taxes and lighting

20

22

18

21

7

8

20

23

c) Printing and stationery

11

11

8

7

6

9

10

12

d) Advertisement and publicity

0

0

0

0

0

0

0

0

e) Depreciation on Bank's property

4

5

6

7

1

1

6

7

f) Directors' fees, allowances and expenses

0

0

0

0

0

0

0

0

g) Auditors' fees and expenses

2

2

2

1

1

1

3

3

h) Law charges

0

1

1

4

0

0

1

4

i) Postage, telegrams, telephones, etc.

3

4

5

5

2

3

2

2

j) Repairs and maintenance

2

1

11

13

1

1

4

5

k) Insurance

24

21

12

13

15

6

15

20

l) Other expenditure

42

64

23

30

5

7

51

79

V. Provisions and contingencies

123

18

4

9

6

13

0

0

Total expenses*

4335

4442

1962

2127

1187

1396

3160

3330

VI. Profit /loss

323

24

539

626

-414

-396

1210

620

Total (III+IV+V+VI)

4782

4483

2505

2762

779

1013

4370

3950

(Amount in Rs. lakh)

Item

Begusarai

Bhagalpur Banka

Bhagirath

Bhandara

Kshetriya Gramin Bank

Kshetriya Gramin Bank

Gramin Bank

Gramin Bank

2002

2003

2002

2003

2002

2003

2002

2003

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

Income

I. Interest Earned

681

704

835

804

4781

4908

1089

1037

a) Interest/discount on advances/bills

114

170

184

192

883

927

597

638

b) Income on Investments

567

522

650

601

3882

3933

138