(Amount in Rs. lakh)

As on 31st March

Faridkot Bhatinda Kshetriya

Farrukhabad Gramin Bank

Fatehpur Kshetriya Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(109)

(110)

(111)

(112)

(113)

(114)

1.

Capital

100

100

100

100

100

100

(2.0)

(1.9)

(0.5)

(0.4)

(0.9)

(0.8)

2.

Reserves and Surplus

425

583

984

1631

1142

1604

(8.6)

(11.0)

(4.7)

(6.2)

(10.4)

(12.2)

3.

Deposits

3450

3606

17124

21420

7977

9520

(70.0)

(67.9)

(82.0)

(81.9)

(72.8)

(72.3)

3.1.

Demand deposits

249

67

1180

1216

183

266

3.2.

Savings bank deposits

835

1001

8398

11142

4337

4963

3.3.

Term deposits

2365

2538

7546

9063

3458

4292

4.

Borrowings

594

649

1766

1969

889

936

(12.1)

(12.2)

(8.5)

(7.5)

(8.1)

(7.1)

4.1.

From banks*

81

109

285

269

57

52

4.2.

From others

513

540

1481

1701

832

884

5.

Other liabilities

361

369

908

1038

842

1010

(7.3)

(7.0)

(4.3)

(4.0)

(7.7)

(7.7)

5.1.

BillsPayable

10

4

31

53

19

25

5.2.

Inter-office adjustments

-

5

-

-

19

27

5.3.

Interest accrued

13

19

9

16

29

37

5.4.

Others (including provisions)

338

341

868

969

775

922

Total Liabilities

4930

5307

20882

26159

10951

13171

1.

Cash in hand

33

47

439

290

85

104

(0.7)

(0.9)

(2.1)

(1.1)

(0.8)

(0.8)

2.

Balances with RBI

96

114

540

645

256

302

(1.9)

(2.2)

(2.6)

(2.5)

(2.3)

(2.3)

3.

Balances with banks in India

1736

1532

6009

4735

4760

6118

(35.2)

(28.9)

(28.8)

(18.1)

(43.5)

(46.5)

4.

Money at call and short notice

-

-

4793

10666

-

-

(-)

(-)

(23.0)

(40.8)

(-)

(-)

5.

Investments

912

987

3529

3579

1119

1309

(18.5)

(18.6)

(16.9)

(13.7)

(10.2)

(9.9)

6.

Advances

1883

2184

4289

4833

2017

2394

(38.2)

(41.2)

(20.5)

(18.5)

(18.4)

(18.2)

6.1.

Bills purchased and discounted

1

2

-

-

-

-

6.2.

Cash credits, overdrafts & loans

807

821

935

1226

194

202

6.3.

Term loans

1076

1362

3354

3607

1823

2192

7.

Fixed Assets

15

19

18

28

18

21

(0.3)

(0.4)

(0.1)

(0.1)

(0.2)

(0.2)

8.

Other Assets

255

423

1264

1381

2697

2923

(5.2)

(8.0)

(6.1)

(5.3)

(24.6)

(22.2)

8.1.

Inter - office adjustments (net)

4

-

75

206

-

-

8.2.

Interest accrued

246

410

1120

1146

35

47

8.3.

Others

4

14

69

29

2663

2876

Total Assets

4930

5307

20882

26159

10951

13171

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Ganga Yamuna

Gaur

Giridih Kshetriya

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(115)

(116)

(117)

(118)

(119)

(120)

1.

Capital

100

100

100

100

100

100

(1.6)

(1.4)

(0.4)

(0.3)

(2.0)

(1.6)

2.

Reserves and Surplus

385

385

-

-

172

306

(6.3)

(5.2)

(-)

(-)

(3.5)

(4.9)

3.

Deposits

4458

5676

24099

28303

4032

5064

(72.4)

(77.1)

(86.6)

(82.3)

(81.0)

(80.4)

3.1.

Demand deposits

246

605

353

516

105

87

3.2.

Savings bank deposits

1388

1765

8765

9589

1947

2416

3.3.

Term deposits

2823

3306

14982

18197

1981

2561

4.

Borrowings

539

566

2501

2482

266

336

(8.7)

(7.7)

(9.0)

(7.2)

(5.3)

(5.3)

4.1.

From banks*

76

67

-

-

-

-

4.2.

From others

463

499

2501

2482

266

336

5.

Other liabilities

676

631

1113

3519

408

494

(11.0)

(8.6)

(4.0)

(10.2)

(8.2)

(7.8)

5.1.

BillsPayable

46

30

-

1

40

31

5.2.

Inter-office adjustments

-

-

-

27

-

-

5.3.

Interest accrued

428

564

314

363

-

-

5.4.

Others (including provisions)

202

37

798

3128

368

463

Total Liabilities

6158

7359

27813

34404

4979

6300

1.

Cash in hand

55

60

393

513

37

53

(0.9)

(0.8)

(1.4)

(1.5)

(0.8)

(0.8)

2.

Balances with RBI

134

163

737

823

117

157

(2.2)

(2.2)

(2.6)

(2.4)

(2.3)

(2.5)

3.

Balances with banks in India

1174

1556

5233

3938

220

277

(19.1)

(21.1)

(18.8)

(11.4)

(4.4)

(4.4)

4.

Money at call and short notice

2000

2388

-

-

2321

3129

(32.5)

(32.4)

(-)

(-)

(46.6)

(49.7)

5.

Investments

534

734

4709

7884

583

765

(8.7)

(10.0)

(16.9)

(22.9)

(11.7)

(12.1)

6.

Advances

1470

1602

8924

12036

1256

1456

(23.9)

(21.8)

(32.1)

(35.0)

(25.2)

(23.1)

6.1.

Bills purchased and discounted

-

-

1

-

14

-

6.2.

Cash credits, overdrafts & loans

457

475

1958

2596

249

311

6.3.

Term loans

1014

1127

6965

9440

994

1145

7.

Fixed Assets

6

7

45

46

12

12

(0.1)

(0.1)

(0.2)

(0.1)

(0.2)

(0.2)

8.

Other Assets

784

850

7773

9163

431

451

(12.7)

(11.5)

(27.9)

(26.6)

(8.7)

(7.2)

8.1.

Inter - office adjustments (net)

8

2

-

-

12

58

8.2.

Interest accrued

225

294

469

434

-

-

8.3.

Others

551

554

7304

8729

419

393

Total Assets

6158

7359

27813

34404

4979

6300

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Godavari

Golconda

Gomti

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(121)

(122)

(123)

(124)

(125)

(126)

1.

Capital

100

100

100

100

100

100

(1.5)

(1.3)

(2.3)

(1.7)

(0.4)

(0.3)

2.

Reserves and Surplus

508

692

-

378

977

1468

(7.9)

(8.9)

(-)

(6.3)

(4.2)

(5.0)

3.

Deposits

3733

4899

3262

4151

19893

25164

(57.7)

(62.7)

(76.1)

(69.6)

(85.6)

(86.1)

3.1.

Demand deposits

73

169

440

380

840

1845

3.2.

Savings bank deposits

759

866

961

1346

8349

9910

3.3.

Term deposits

2901

3864

1861

2425

10705

13410

4.

Borrowings

1764

1813

434

589

1973

2242

(27.3)

(23.2)

(10.1)

(9.9)

(8.5)

(7.7)

4.1.

From banks*

454

407

101

107

83

95

4.2.

From others

1310

1406

333

482

1890

2148

5.

Other liabilities

362

310

491

746

299

268

(5.6)

(4.0)

(11.4)

(12.5)

(1.3)

(0.9)

5.1.

BillsPayable

2

5

186

-

82

108

5.2.

Inter-office adjustments

24

-

-

-

13

-

5.3.

Interest accrued

-

31

-

288

27

37

5.4.

Others (including provisions)

336

274

305

459

176

123

Total Liabilities

6466

7813

4287

5964

23242

29243

1.

Cash in hand

120

87

35

110

220

303

(1.8)

(1.1)

(0.8)

(1.8)

(0.9)

(1.0)

2.

Balances with RBI

121

159

104

163

600

750

(1.9)

(2.0)

(2.4)

(2.7)

(2.6)

(2.6)

3.

Balances with banks in India

1264

1889

212

352

5590

9632

(19.6)

(24.2)

(5.0)

(5.9)

(24.1)

(32.9)

4.

Money at call and short notice

-

-

1290

2098

-

-

(-)

(-)

(30.1)

(35.2)

(-)

(-)

5.

Investments

775

984

595

760

8596

9196

(12.0)

(12.6)

(13.9)

(12.7)

(37.0)

(31.4)

6. Advances

4036

4500

1491

1974

6007

7503

(62.4)

(57.6)

(34.8)

(33.1)

(25.8)

(25.7)

6.1.

Bills purchased and discounted

17

6

-

712

-

5

6.2.

Cash credits, overdrafts & loans

2666

3108

918

-

266

331

6.3.

Term loans

1353

1385

573

1263

5741

7167

7.

Fixed Assets

32

34

15

17

26

42

(0.5)

(0.4)

(0.3)

(0.3)

(0.1)

(0.1)

8.

Other Assets

118

160

546

489

2203

1817

(1.8)

(2.1)

(12.7)

(8.2)

(9.5)

(6.2)

8.1.

Inter - office adjustments (net)

22

17

201

35

-

35

8.2.

Interest accrued

32

52

52

71

1028

1456

8.3.

Others

63

91

293

383

1175

326

Total Assets

6466

7813

4287

5964

23242

29243

(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

Gopalganj Kshetriya

Gorakhpur Kshetriya

Gurdaspur Amritsar

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(127)

(128)

(129)

(130)

(131)

(132)

1.

Capital

100

100

100

100

100

100

(0.8)

(0.7)

(0.1)

(0.1)

(0.8)

(0.7)

2.

Reserves and Surplus

497

864

8758

10832

737

867

(4.0)

(5.9)

(11.7)

(11.6)

(6.0)

(5.7)

3.

Deposits

10467

12605

52292

63640

9401

11762

(84.8)

(85.7)

(69.6)

(68.2)

(76.7)

(77.0)

3.1.

Demand deposits

522

553

2148

2860

197

257

3.2.

Savings bank deposits

5719

6550

27498

33784

3752

4482

3.3.

Term deposits

4226

5502

22646

26996

5452

7023

4.

Borrowings

281

313

4417

6619

853

996

(2.3)

(2.1)

(5.9)

(7.1)

(7.0)

(6.5)

4.1.

From banks*

-

-

-

-

59

112

4.2.

From others

281

313

4417

6619

794

884

5.

Other liabilities

999

828

9572

12094

1158

1549

(8.1)

(5.6)

(12.7)

(13.0)

(9.5)

(10.1)

5.1.

BillsPayable

-

-

-

-

7

13

5.2.

Inter-office adjustments

6

-

516

558

-

83

5.3.

Interest accrued

-

-

6375

8061

11

232

5.4.

Others (including provisions)

992

828

2681

3475

1140

1222

Total Liabilities

12343

14710

75139

93284

12250

15274

1.

Cash in hand

85

107

495

590

88

81

(0.7)

(0.7)

(0.7)

(0.6)

(0.7)

(0.5)

2.

Balances with RBI

313

377

1739

2109

285

357

(2.5)

(2.6)

(2.3)

(2.3)

(2.3)

(2.3)

3.

Balances with banks in India

7471

9145

1173

2217

2329

4859

(60.5)

(62.2)

(1.6)

(2.4)

(19.0)

(31.8)

4.

Money at call and short notice

-

-

40468

50365

1035

63

(-)

(-)

(53.9)

(54.0)

(8.4)

(0.4)

5.

Investments

600

900

14447

16945

3655

4980

(4.9)

(6.1)

(19.2)

(18.2)

(29.8)

(32.6)

6.

Advances

2258

2201

12657

15200

3759

3871

(18.3)

(15.0)

(16.8)

(16.3)

(30.7)

(25.3)

6.1.

Bills purchased and discounted

-

-

8

4

-

-

6.2.

Cash credits, overdrafts & loans

313

414

4677

5363

2196

2111

6.3.

Term loans

1945

1787

7973

9833

1563

1760

7.

Fixed Assets

10

14

37

57

29

37

(0.1)

(0.1)

(-)

(0.1)

(0.2)

(0.2)

8.

Other Assets

1605

1966

4122

5801

1069

1026

(13.0)

(13.4)

(5.5)

(6.2)

(8.7)

(6.7)

8.1.

Inter - office adjustments (net)

-

-

-

-

105

-

8.2.

Interest accrued

1540

1950

4064

5720

296

522

8.3.

Others

66

17

58

81

669

504

Total Assets

12343

14710

75139

93284

12250

15274

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Gurgaon Gramin Bank

Gwalior Datia Kshetriya

Hadoti Kshetriya Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(133)

(134)

(135)

(136)

(137)

(138)

1.

Capital

100

100

100

100

100

100

(0.2)

(0.2)

(2.0)

(1.6)

(0.6)

(0.5)

2.

Reserves and Surplus

1898

3254

361

428

-

-

(4.2)

(6.1)

(7.2)

(6.9)

(-)

(-)

3.

Deposits

35111

40349

3707

4678

12436

14780

(78.0)

(75.3)

(73.5)

(75.7)

(76.9)

(77.5)

3.1.

Demand deposits

559

525

174

230

801

1183

3.2.

Savings bank deposits

13736

15198

1073

1449

4545

5275

3.3.

Term deposits

20817

24626

2460

2999

7090

8323

4.

Borrowings

5584

5113

476

466

1467

1918

(12.4)

(9.5)

(9.5)

(7.5)

(9.1)

(10.1)

4.1.

From banks*

1356

1221

22

-

137

139

4.2.

From others

4228

3892

454

466

1330

1779

5.

Other liabilities

2330

4775

397

510

2166

2267

(5.2)

(8.9)

(7.9)

(8.2)

(13.4)

(11.9)

5.1.

BillsPayable

-

-

-

-

-

-

5.2.

Inter-office adjustments

86

131

13

-

-

-

5.3.

Interest accrued

256

488

-

-

31

44

5.4.

Others (including provisions)

1988

4157

384

510

2134

2223

Total Liabilities

45023

53591

5041

6182

16169

19065

1.

Cash in hand

733

508

44

36

302

509

(1.6)

(0.9)

(0.9)

(0.6)

(1.9)

(2.7)

2.

Balances with RBI

1061

1231

113

143

376

437

(2.4)

(2.3)

(2.2)

(2.3)

(2.3)

(2.3)

3.

Balances with banks in India

19144

19551

73

2576

3574

984

(42.5)

(36.5)

(1.4)

(41.7)

(22.1)

(5.2)

4.

Money at call and short notice

-

-

2180

-

2192

5533

(-)

(-)

(43.3)

(-)

(13.6)

(29.0)

5.

Investments

8915

10586

-

515

400

425

(19.8)

(19.8)

(-)

(8.3)

(2.5)

(2.2)

6.

Advances

12523

15415

1755

1999

5582

6769

(27.8)

(28.8)

(34.8)

(32.3)

(34.5)

(35.5)

6.1.

Bills purchased and discounted

-

3

-

-

-

-

6.2.

Cash credits, overdrafts & loans

3380

4400

139

152

1194

1541

6.3.

Term loans

9142

11013

1616

1847

4388

5228

7.

Fixed Assets

55

57

11

10

23

29

(0.1)

(0.1)

(0.2)

(0.2)

(0.1)

(0.2)

8.

Other Assets

2592

6243

865

903

3720

4381

(5.8)

(11.6)

(17.2)

(14.6)

(23.0)

(23.0)

8.1.

Inter - office adjustments (net)

-

-

-

4

319

476

8.2.

Interest accrued

2319

3462

216

234

274

672

8.3.

Others

273

2781

649

664

3126

3233

Total Assets

45023

53591

5041

6182

16169

19065

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Haryana Kshetriya

Hazaribagh Kshetriya

Himachal Gramin Bank

Items

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(139)

(140)

(141)

(142)

(143)

(144)

1.

Capital

96

96

100

100

100

100

(0.4)

(0.4)

(1.4)

(1.1)

(0.4)

(0.3)

2.

Reserves and Surplus

-

-

187

263

897

1040

(-)

(-)

(2.6)

(3.0)

(3.6)

(3.3)

3.

Deposits

17189

19937

5952

7267

22001

27675

(77.9)

(81.6)

(84.1)

(83.3)

(87.5)

(88.3)

3.1.

Demand deposits

91

81

152

193

498

649

3.2.

Savings bank deposits

6400

7248

3437

4049

6345

8170

3.3.

Term deposits

10698

12608

2363

3025

15158

18857

4.

Borrowings

2146

2116

346

505

1292

1513

(9.7)

(8.7)

(4.9)

(5.8)

(5.1)

(4.8)

4.1.

From banks*

13

13

-

-

126

135

4.2.

From others

2133

2102

346

505

1166

1378

5.

Other liabilities

2625

2291

492

593

855

1001

(11.9)

(9.4)

(7.0)

(6.8)

(3.4)

(3.2)

5.1.

BillsPayable

-

-

-

7

8

23

5.2.

Inter-office adjustments

-

-

-

-

90

161

5.3.

Interest accrued

20

24

-

-

37

50

5.4.

Others (including provisions)

2604

2267

492

586

721

767

Total Liabilities

22055

24440

7077

8728

25144

31330

1.

Cash in hand

271

250

56

54

353

406

(1.2)

(1.0)

(0.8)

(0.6)

(1.4)

(1.3)

2.

Balances with RBI

540

600

164

181

675

855

(2.5)

(2.5)

(2.3)

(2.1)

(2.7)

(2.7)

3.

Balances with banks in India

286

331

2179

3439

7523

8964

(1.3)

(1.4)

(30.8)

(39.4)

(29.9)

(28.6)

4.

Money at call and short notice

5425

5780

-

-

-

-

(24.6)

(23.7)

(-)

(-)

(-)

(-)

5.

Investments

2786

3590

3019

3105

9560

11960

(12.6)

(14.7)

(42.7)

(35.6)

(38.0)

(38.2)

6.

Advances

8687

9809

1304

1581

4553

5653

(39.4)

(40.1)

(18.4)

(18.1)

(18.1)

(18.0)

6.1.

Bills purchased and discounted

-

-

-

-

454

475

6.2.

Cash credits, overdrafts & loans

644

-

237

356

2138

2606

6.3.

Term loans

8042

9809

1066

1225

1961

2572

7.

Fixed Assets

32

32

12

12

21

39

(0.1)

(0.1)

(0.2)

(0.1)

(0.1)

(0.1)

8.

Other Assets

4030

4048

343

356

2460

3453

(18.3)

(16.6)

(4.8)

(4.1)

(9.8)

(11.0)

8.1.

Inter - office adjustments (net)

38

-

32

25

-

-

8.2.