(Amount in Rs. lakh)

As on 31st March

Kashi

Kisan

Kolar

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(181)

(182)

(183)

(184)

(185)

(186)

1.

Capital

100

100

100

100

100

100

(0.5)

(0.4)

(1.1)

(0.9)

(0.8)

(0.7)

2.

Reserves and Surplus

2010

2528

908

1554

1483

1483

(10.3)

(9.9)

(9.9)

(14.0)

(12.0)

(10.7)

3.

Deposits

16325

21464

6675

7876

7932

9323

(83.3)

(83.9)

(72.9)

(70.9)

(64.5)

(67.2)

3.1.

Demand deposits

432

1034

438

674

347

386

3.2.

Savings bank deposits

6774

8981

3695

4185

2711

2872

3.3.

Term deposits

9119

11449

2542

3017

4874

6066

4.

Borrowings

780

937

883

948

2241

2329

(4.0)

(3.7)

(9.6)

(8.5)

(18.2)

(16.8)

4.1.

From banks*

20

20

73

74

371

392

4.2.

From others

760

917

810

874

1870

1937

5.

Other liabilities

375

567

586

629

551

632

(1.9)

(2.2)

(6.4)

(5.7)

(4.5)

(4.6)

5.1.

Bills Payable

--

--

23

18

274

274

5.2.

Inter-office adjustments

--

25

--

--

28

88

5.3.

Interest accrued

14

12

13

16

60

39

5.4.

Others (including provisions)

361

529

549

594

188

231

Total Liabilities

19591

25596

9151

11107

12307

13867

1.

Cash in hand

234

245

110

120

343

274

(1.2)

(1.0)

(1.2)

(1.1)

(2.8)

(2.0)

2.

Balances with RBI

480

636

205

257

221

329

(2.5)

(2.5)

(2.2)

(2.3)

(1.8)

(2.4)

3.

Balances with banks in India

6402

9343

280

4551

3428

4275

(32.7)

(36.5)

(3.1)

(41.0)

(27.9)

(30.8)

4.

Money at call and short notice

--

--

3534

--

--

--

(--)

(--)

(38.6)

(--)

(--)

(--)

5.

Investments

4746

6821

691

989

1940

2562

(24.2)

(26.6)

(7.6)

(8.9)

(15.8)

(18.5)

6.

Advances

3766

4589

2418

2867

5160

5596

(19.2)

(17.9)

(26.4)

(25.8)

(41.9)

(40.4)

6.1.

Bills purchased and discounted

102

155

--

--

3

1

6.2.

Cash credits, overdrafts & loans

507

663

601

389

3184

3780

6.3.

Term loans

3156

3771

1817

2478

1973

1814

7.

Fixed Assets

25

28

22

26

24

30

(0.1)

(0.1)

(0.2)

(0.2)

(0.2)

(0.2)

8.

Other Assets

3937

3933

1892

2298

1189

801

(20.1)

(15.4)

(20.7)

(20.7)

(9.7)

(5.8)

8.1.

Inter - office adjustments (net)

16

--

--

54

--

--

8.2.

Interest accrued

541

767

238

613

147

168

8.3.

Others

3381

3165

1654

1632

1043

634

Total Assets

19591

25596

9151

11107

12307

13867

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Koraput Panchabati

Kosi Kshetriya Gramin Bank

Krishna Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(187)

(188)

(189)

(190)

(191)

(192)

1.

Capital

100

100

100

100

100

100

(0.5)

(0.4)

(0.5)

(0.4)

(0.5)

(0.4)

2.

Reserves and Surplus

87

724

--

--

--

1783

(0.5)

(3.1)

(--)

(--)

(--)

(6.4)

3.

Deposits

12019

13923

16794

20584

13691

15861

(63.5)

(60.2)

(81.0)

(84.0)

(61.7)

(56.8)

3.1.

Demand deposits

2055

1661

862

1532

618

582

3.2.

Savings bank deposits

5312

6654

7512

8653

4282

4959

3.3.

Term deposits

4652

5608

8420

10399

8792

10320

4.

Borrowings

2975

3680

668

754

6209

6888

(15.7)

(15.9)

(3.2)

(3.1)

(28.0)

(24.7)

4.1.

From banks*

240

304

7

12

1066

1322

4.2.

From others

2734

3376

661

743

5143

5567

5.

Other liabilities

3735

4710

3163

3063

2180

3298

(19.7)

(20.4)

(15.3)

(12.5)

(9.8)

(11.8)

5.1.

BillsPayable

--

--

--

--

80

44

5.2.

Inter-office adjustments

--

--

26

42

6

63

5.3.

Interest accrued

806

1110

10

12

1487

1970

5.4.

Others (including provisions)

2930

3601

3127

3008

607

1221

Total Liabilities

18916

23137

20725

24502

22181

27931

1.

Cash in hand

132

77

210

285

261

303

(0.7)

(0.3)

(1.0)

(1.2)

(1.2)

(1.1)

2.

Balances with RBI

314

393

486

607

471

614

(1.7)

(1.7)

(2.3)

(2.5)

(2.1)

(2.2)

3.

Balances with banks in India

690

1113

6689

8874

4077

945

(3.6)

(4.8)

(32.3)

(36.2)

(18.4)

(3.4)

4.

Money at call and short notice

--

--

--

--

--

5110

(--)

(--)

(--)

(--)

(--)

(18.3)

5.

Investments

7728

9591

200

212

2600

4774

(40.9)

(41.5)

(1.0)

(0.9)

(11.7)

(17.1)

6.

Advances

8072

9703

5369

6077

11861

13609

(42.7)

(41.9)

(25.9)

(24.8)

(53.5)

(48.7)

6.1.

Bills purchased and discounted

--

--

--

--

--

--

6.2.

Cash credits, overdrafts & loans

4459

4081

877

1249

7261

9029

6.3.

Term loans

3613

5623

4492

4828

4600

4579

7.

Fixed Assets

23

23

38

38

36

35

(0.1)

(0.1)

(0.2)

(0.2)

(0.2)

(0.1)

8.

Other Assets

1958

2237

7733

8408

2875

2541

(10.3)

(9.7)

(37.3)

(34.3)

(13.0)

(9.1)

8.1.

Inter - office adjustments (net)

915

1045

17

11

32

1

8.2.

Interest accrued

453

693

722

834

699

986

8.3.

Others

590

499

6994

7564

2144

1555

Total Assets

18916

23137

20725

24502

22181

27931

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Kshetriya

Kutch

K.Kisan

Items

Gramin Bank

Gramin Bank

Gramin Bank

1998

1999

1998

1999

1998

1999

(193)

(194)

(195)

(196)

(197)

(198)

1.

Capital

100

100

100

100

100

100

(0.6)

(0.5)

(1.2)

(0.9)

(1.1)

(1.0)

2.

Reserves and Surplus

1661

2570

1

756

754

1

(10.5)

(13.6)

(--)

(6.9)

(8.3)

(--)

3.

Deposits

12230

13711

6659

8159

6716

8618

(77.0)

(72.7)

(77.3)

(74.7)

(74.1)

(79.2)

3.1.

Demand deposits

472

467

182

228

178

242

3.2.

Savings bank deposits

5359

5559

2793

2680

2029

3688

3.3.

Term deposits

6398

7686

3685

5252

4509

4688

4.

Borrowings

1195

1593

842

960

817

1046

(7.5)

(8.4)

(9.8)

(8.8)

(9.0)

(9.6)

4.1.

From banks*

40

94

56

82

76

80

4.2.

From others

1156

1498

786

878

741

966

5.

Other liabilities

693

883

1014

950

676

1115

(4.4)

(4.7)

(11.8)

(8.7)

(7.5)

(10.2)

5.1.

BillsPayable

17

15

17

25

13

15

5.2.

Inter-office adjustments

--

--

27

--

25

44

5.3.

Interest accrued

79

96

21

713

475

28

5.4.

Others (including provisions)

597

772

949

212

163

1028

Total Liabilities

15879

18857

8616

10926

9063

10880

1.

Cash in hand

193

215

152

69

105

119

(1.2)

(1.1)

(1.8)

(0.6)

(1.2)

(1.1)

2.

Balances with RBI

375

411

197

265

215

261

(2.4)

(2.2)

(2.3)

(2.4)

(2.4)

(2.4)

3.

Balances with banks in India

3559

8052

2010

1813

2025

2745

(22.4)

(42.7)

(23.3)

(16.6)

(22.3)

(25.2)

4.

Money at call and short notice

2876

--

--

--

--

--

(18.1)

(--)

(--)

(--)

(--)

(--)

5.

Investments

491

576

396

5093

3769

646

(3.1)

(3.1)

(4.6)

(46.6)

(41.6)

(5.9)

6.

Advances

5177

6032

3543

2876

2090

4417

(32.6)

(32.0)

(41.1)

(26.3)

(23.1)

(40.6)

6.1.

Bills purchased and discounted

--

--

--

1

25

--

6.2.

Cash credits, overdrafts & loans

483

713

257

651

418

325

6.3.

Term loans

4694

5319

3286

2224

1646

4066

7.

Fixed Assets

21

27

19

45

28

26

(0.1)

(0.1)

(0.2)

(0.4)

(0.3)

(0.2)

8.

Other Assets

3187

3545

2299

765

832

2693

(20.1)

(18.8)

(26.7)

(7.0)

(9.2)

(24.8)

8.1.

Inter - office adjustments (net)

47

35

--

3

--

--

8.2.

Interest accrued

444

729

157

50

27

227

8.3.

Others

2695

2780

2143

712

805

2466

Total Assets

15879

18857

8616

10926

9063

10880

(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

Lakhimi Gaonlia Bank

Langpi Dehangi Rural Bank

Madhubani Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(199)

(200)

(201)

(202)

(203)

(204)

1.

Capital

96

96

84

84

100

100

(0.7)

(0.6)

(1.9)

(1.4)

(1.1)

(1.0)

2.

Reserves and Surplus

-

-

772

1107

-

-

(-)

(-)

(17.3)

(18.4)

(-)

(-)

3.

Deposits

12457

15097

2753

3653

7566

8938

(89.8)

(89.4)

(61.6)

(60.7)

(86.5)

(91.3)

3.1.

Demand deposits

972

1013

251

405

271

770

3.2.

Savings bank deposits

6014

7618

1410

1961

3239

3132

3.3.

Term deposits

5471

6466

1092

1287

4056

5036

4.

Borrowings

782

717

295

238

242

382

(5.6)

(4.2)

(6.6)

(3.9)

(2.8)

(3.9)

4.1.

From banks*

3

-

25

25

-

-

4.2.

From others

779

717

270

213

242

382

5.

Other liabilities

538

978

569

936

834

368

(3.9)

(5.8)

(12.7)

(15.5)

(9.5)

(3.8)

5.1.

Bills Payable

-

-

-

-

-

-

5.2.

Inter-office adjustments

4

3

-

-

-

-

5.3.

Interest accrued

118

115

209

277

3

10

5.4.

Others (including provisions)

417

860

360

658

831

358

Total Liabilities

13874

16888

4473

6017

8742

9788

1.

Cash in hand

130

159

17

19

64

74

(0.9)

(0.9)

(0.4)

(0.3)

(0.7)

(0.8)

2.

Balances with RBI

375

456

87

115

230

272

(2.7)

(2.7)

(1.9)

(1.9)

(2.6)

(2.8)

3.

Balances with banks in India

1499

2353

730

353

3031

3366

(10.8)

(13.9)

(16.3)

(5.9)

(34.7)

(34.4)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

5436

7497

1271

2670

-

100

(39.2)

(44.4)

(28.4)

(44.4)

(-)

(1.0)

6.

Advances

1807

2208

757

1108

1799

1785

(13.0)

(13.1)

(16.9)

(18.4)

(20.6)

(18.2)

6.1.

Bills purchased and discounted

-

-

-

-

-

-

6.2.

Cash credits, overdrafts & loans

517

583

259

384

195

299

6.3.

Term loans

1290

1625

499

724

1604

1486

7.

Fixed Assets

25

26

8

8

9

11

(0.2)

(0.2)

(0.2)

(0.1)

(0.1)

(0.1)

8.

Other Assets

4602

4188

1603

1744

3610

4180

(33.2)

(24.8)

(35.8)

(29.0)

(41.3)

(42.7)

8.1.

Inter - office adjustments (net)

-

-

11

2

-

-

8.2.

Interest accrued

53

68

144

162

180

207

8.3.

Others

4549

4120

1448

1580

3430

3973

Total Assets

13874

16888

4473

6017

8742

9788

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Magadh Gramin Bank

Mahakaushal Kshetriya

Malaprabha Gramin Bank

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(205)

(206)

(207)

(208)

(209)

(210)

1.

Capital

100

100

100

100

100

100

(0.3)

(0.2)

(2.4)

(2.4)

(0.2)

(0.2)

2.

Reserves and Surplus

1568

2256

-

-

1613

2748

(4.1)

(4.9)

(-)

(-)

(3.2)

(4.7)

3.

Deposits

30522

37415

3311

3312

29783

37890

(79.3)

(81.4)

(78.0)

(80.6)

(59.9)

(64.4)

3.1.

Demand deposits

693

674

267

238

848

1052

3.2.

Savings bank deposits

15849

19937

1544

1323

10848

12832

3.3.

Term deposits

13980

16804

1499

1751

18087

24005

4.

Borrowings

1030

1472

41

58

15062

14393

(2.7)

(3.2)

(1.0)

(1.4)

(30.3)

(24.5)

4.1.

From banks*

130

130

-

-

3209

3069

4.2.

From others

900

1342

41

58

11853

11325

5.

Other liabilities

5292

4697

795

642

3147

3695

(13.7)

(10.2)

(18.7)

(15.6)

(6.3)

(6.3)

5.1.

Bills Payable

76

51

25

53

580

797

5.2.

Inter-office adjustments

800

654

-

-

254

278

5.3.

Interest accrued

40

49

171

229

241

222

5.4.

Others (including provisions)

4376

3942

599

359

2072

2398

Total Liabilities

38512

45938

4247

4112

49705

58826

1.

Cash in hand

370

409

114

107

1040

1451

(1.0)

(0.9)

(2.7)

(2.6)

(2.1)

(2.5)

2.

Balances with RBI

942

1170

101

110

894

1107

(2.4)

(2.5)

(2.4)

(2.7)

(1.8)

(1.9)

3.

Balances with banks in India

8578

12686

1439

1220

11074

14816

(22.3)

(27.6)

(33.9)

(29.7)

(22.3)

(25.2)

4.

Money at call and short notice

-

-

-

-

-

-

(-)

(-)

(-)

(-)

(-)

(-)

5.

Investments

13715

16403

-

70

6779

8289

(35.6)

(35.7)

(-)

(1.7)

(13.6)

(14.1)

6.

Advances

9413

10239

994

717

26748

29211

(24.4)

(22.3)

(23.4)

(17.4)

(53.8)

(49.7)

6.1.

Bills purchased and discounted

-

-

90

-

30

70

6.2.

Cash credits, overdrafts & loans

770

1200

142

139

12879

14311

6.3.

Term loans

8643

9039

762

578

13839

14831

7.

Fixed Assets

43

44

11

10

162

185

(0.1)

(0.1)

(0.3)

(0.2)

(0.3)

(0.3)

8.

Other Assets

5450

4987

1588

1878

3008

3767

(14.2)

(10.9)

(37.4)

(45.7)

(6.1)

(6.4)

8.1.

Inter - office adjustments (net)

-

-

13

38

-

-

8.2.

Interest accrued

1480

2343

6

17

141

230

8.3.

Others

3971

2644

1569

1823

2868

3537

Total Assets

38512

45938

4247

4112

49705

58826

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Mallabhum Gramin Bank

Malwa Gramin Bank

Mandla Balaghat Kshetriya

Items

Gramin Bank

1998

1999

1998

1999

1998

1999

(211)

(212)

(213)

(214)

(215)

(216)

1.

Capital

100

100

100

100

100

100

(0.2)

(0.2)

(1.2)

(1.0)

(1.7)

(1.5)

2.

Reserves and Surplus

758

1639

533

845

1

1

(1.9)

(3.3)

(6.4)

(8.2)

(-)

(-)

3.

Deposits

33983

42456

5285

6549

4996

5870

(83.8)

(84.3)

(63.6)

(63.3)

(87.2)

(86.7)

3.1.

Demand deposits

256

207

178

281

616

647

3.2.

Savings bank deposits

12423

15137

1846

2157

1848

2062

3.3.

Term deposits

21304

27112

3261

4110

2532

3161

4.

Borrowings

2108

2158

1785

1983

125

167

(5.2)

(4.3)

(21.5)

(19.2)

(2.2)

(2.5)

4.1.

From banks*

-

-

396

460

125

-

4.2.

From others

2108

2158

1389

1522

-

167

5.

Other liabilities

3604

3988

603

876

510

635

(8.9)

(7.9)

(7.3)

(8.5)

(8.9)

(9.4)

5.1.

Bills Payable

-

-

8

60

-

-

5.2.

Inter-office adjustments

-

-

9

94

-

-

5.3.

Interest accrued

457

743

329

416

29

36

5.4.

Others (including provisions)

3147

3244

258

307

481

598

Total Liabilities

40552

50341

8306

10353

5733

6773

1.

Cash in hand

397

369

35

38

150

92

(1.0)

(0.7)

(0.4)

(0.4)

(2.6)

(1.4)

2.

Balances with RBI

1058

1290

169

203

142

180

(2.6)

(2.6)

(2.0)

(2.0)

(2.5)

(2.7)

3.

Balances with banks in India

707

777

3020

3835

1319

1690

(1.7)

(1.5)

(36.4)

(37.0)

(23.0)

(25.0)

4.

Money at call and short notice

9976

13429

-

-

1240

1100

(24.6)

(26.7)

(-)

(-)

(21.6)

(16.2)

5.

Investments

9020

11380

1301

1705

-

200

(22.2)

(22.6)

(15.7)

(16.5)

(-)

(3.0)

6.

Advances

11634

14392

3231

3878

1144

1238

(28.7)

(28.6)

(38.9)

(37.5)

(19.9)

(18.3)

6.1.

Bills purchased and discounted

-

-

-

-

1

-

6.2.

Cash credits, overdrafts & loans

107

110

1923

2399

191

208

6.3.

Term loans

11527

14282

1308

1479

952

1030

7.

Fixed Assets

37

38

12

11

8

9

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

(0.1)

8.

Other Assets

7722

8666

539

683

1730

2264

(19.0)

(17.2)

(6.5)

(6.6)

(30.2)

(33.4)

8.1.

Inter - office adjustments (net)

26

57

-

-

72

183

8.2.

Interest accrued

1583

2228

523

659