REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31 March

Patliputra

Pinakini

Pithoragarh

Pragjyotish Gaonlia

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Gaonlia Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(265)

(266)

(267)

(268)

(269)

(270)

(271)

(272)

Income

I.

Interest earned

62

121

758

1220

355

486

2180

2058

a)

Interest/discount on advances/bills

14

27

498

763

129

147

946

586

b)

Income on investments

16

51

-

-

83

125

-

1472

c)

Interest on balances with RBI and other

32

43

260

456

142

214

1234

-

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

1

1

39

64

15

20

73

78

a)

Commission, exchange, brokerage, etc.

-

1

18

24

5

18

31

42

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

-

1

20

40

10

2

41

36

Total (I+II)

62

123

797

1283

370

507

2253

2136

Expenditure & Provisions

III.

Interest expended

86

133

648

832

235

362

1111

1549

a)

Interest on deposits

81

130

508

663

211

329

890

1303

b)

Interest on RBI/inter-bank borrowings

4

4

140

169

24

33

222

246

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

70

66

482

572

93

94

1048

1085

a)

Payments to and provisions for employees

54

54

385

494

78

78

897

936

b)

Rent, taxes and lighting

2

3

10

13

5

5

25

25

c)

Printing and stationery

1

1

6

7

2

2

13

17

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

4

4

1

1

7

7

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

2

-

-

2

3

h)

Law charges

-

-

1

1

-

-

1

-

i)

Postage, telegrams, telephones, etc.

-

1

3

4

1

1

4

4

j)

Repairs and maintenance

-

1

-

-

-

-

2

2

k)

Insurance

1

1

2

-

2

2

5

6

l)

Other expenditure

7

4

70

47

6

6

93

84

V.

Provisions and contingencies

-

-

-

734

-

-

442

1872

Total expenses

155

200

1129

2138

328

456

2602

4506

VI.

Profit (loss)

(93)

(77)

(332)

(855)

41

50

(349)

(2370)

Total (III+IV+V+VI)

62

123

797

1283

370

507

2253

2136

(Amount in Rs. lakh)

For the year ended 31 March

Pratapgarh Kshetriya

Prathama

Puri

Rae Bareli Kshetriya

Gramin Bank

Bank

Gramin Bank

Gaonlia Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(273)

(274)

(275)

(276)

(277)

(278)

(279)

(280)

Income

I.

Interest earned

709

1095

2824

4381

596

886

842

1264

a)

Interest/discount on advances/bills

202

279

1571

2268

317

405

187

225

b)

Income on investments

495

803

1170

2058

275

481

189

259

c)

Interest on balances with RBI and other

12

13

83

55

4

-

466

780

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

25

52

296

282

30

42

50

51

a)

Commission, exchange, brokerage, etc.

9

42

21

29

16

24

4

6

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

-

-

1

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

16

10

274

252

14

18

46

46

Total (I+II)

735

1147

3120

4663

626

928

892

1316

Expenditure & Provisions

III.

Interest expended

536

791

1786

2221

641

916

629

867

a)

Interest on deposits

495

744

1273

1639

487

731

577

816

b)

Interest on RBI/inter-bank borrowings

41

48

513

582

154

186

52

51

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

371

360

1366

1361

544

607

367

469

a)

Payments to and provisions for employees

295

323

1146

1163

485

530

321

339

b)

Rent, taxes and lighting

6

7

29

30

14

15

5

6

c)

Printing and stationery

3

4

13

19

6

8

5

5

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

6

6

2

2

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

2

3

1

2

1

1

h)

Law charges

-

-

1

1

-

-

-

1

i)

Postage, telegrams, telephones, etc.

1

1

12

12

2

2

2

2

j)

Repairs and maintenance

1

-

2

3

-

1

2

3

k)

Insurance

48

6

118

83

9

20

13

13

l)

Other expenditure

14

16

37

43

24

29

16

97

V.

Provisions and contingencies

1268

235

194

1513

70

194

11

189

Total expenses

2175

1386

3346

5095

1255

1718

1007

1526

VI.

Profit (loss)

(1441)

(239)

(226)

(433)

(629)

(789)

(115)

(210)

Total (III+IV+V+VI)

735

1147

3120

4663

626

928

892

1316

(Amount in Rs. lakh)

For the year ended 31st March

Raigarh Kshetriya

Rajgarh Kshetriya

Ranchi Kshetriya

Rani Laxmibai

Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(281)

(282)

(283)

(284)

(285)

(286)

(287)

(288)

Income

I.

Interest earned

270

440

207

207

272

635

145

238

a)

Interest/discount on advances/bills

69

124

92

92

112

221

71

98

b)

Income on investments

53

67

46

46

52

199

-

-

c)

Interest on balances with RBI and other

148

249

69

69

108

214

-

-

inter-bank funds

d)

Others

-

-

-

-

-

-

74

140

II.

Other income

21

17

6

6

82

26

5

7

a)

Commission, exchange, brokerage, etc.

9

8

3

3

3

1

2

2

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

13

9

3

3

79

25

3

5

Total (I+II)

291

457

213

213

354

661

150

245

Expenditure & Provisions

III.

Interest expended

276

418

205

205

313

501

237

326

a)

Interest on deposits

256

393

183

183

295

458

188

278

b)

Interest on RBI/inter-bank borrowings

20

24

3

3

-

-

-

-

c)

Others

-

-

19

19

18

43

49

47

IV.

Operating expenses

238

254

163

163

316

348

215

210

a)

Payments to and provisions for employees

203

225

141

141

280

299

162

184

b)

Rent, taxes and lighting

5

6

6

6

8

9

34

10

c)

Printing and stationery

3

4

3

3

3

4

3

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

1

1

2

2

1

2

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

-

-

-

1

-

1

h)

Law charges

-

-

-

-

1

-

-

-

i)

Postage, telegrams, telephones, etc.

1

1

1

1

1

1

1

1

j)

Repairs and maintenance

-

1