(Amount in Rs. lakh)

For the year ended March 31

Items

Gorakhpur Kshetriya

Gurdaspur Amritsar

Gurgaon

Gwalior Datia Kshetriya

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(129)

(130)

(131)

(132)

(133)

(134)

(135)

(136)

Income

I.

Interest Earned

9371

10938

1562

1945

5626

6215

666

908

a)

Interest/discount on advances/bills

1351

1667

456

487

1720

2113

155

210

b)

Income on Investments

7968

9184

657

870

3906

4102

-

57

c)

Interest on balances with

52

87

449

588

-

-

358

394

RBI and other inter-bank funds

d)

Others

-

-

-

-

-

-

153

247

II.

Other income

109

134

20

94

76

175

9

16

a)

Commission, exchange and brokerage

103

128

17

23

17

22

5

5

b)

Other miscellaneous income

6

6

3

71

59

153

4

11

Total (I+II)

9480

11072

1582

2038

5702

6390

675

924

Expenditure & Provisions

III.

Interest expended

5687

6328

848

1065

3197

3576

512

675

a)

Interest on deposits

5331

5843

771

970

2788

3157

323

387

b)

Interest on RBI/inter-bank borrowings

356

484

71

90

-

-

37

40

c)

Others

-

-

6

4

409

419

153

247

IV.

Operating expenses

1727

1792

367

396

1142

1214

173

189

a)

Payments to and provisions for employees

1453

1496

322

340

1011

1068

124

123

b)

Rent, taxes and lighting

44

59

7

10

32

35

4

5

c)

Printing and stationery

16

16

5

6

12

12

3

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

7

8

5

8

7

13

1

1

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

3

5

1

2

2

3

-

-

h)

Law charges

2

1

-

-

2

2

-

-

i)

Postage, telegrams, telephones, etc.

9

11

3

3

5

8

1

1

j)

Repairs and maintenance

2

3

1

1

4

3

-

-

k)

Insurance

57

79

6

8

22

24

1

1

l)

Other expenditure

133

112

18

19

45

47

40

54

V.

Provisions and contingencies

35

283

81

86

7

92

-

-

Total expenses*

7414

8119

1215

1461

4339

4790

686

815

VI.

Profit (loss)

2031

2670

286

491

1356

1507

-10

61

Total (III+IV+V+VI)

9480

11072

1582

2038

5702

6390

675

924

(Amount in Rs. lakh)

For the year ended March 31

Items

Hadoti Kshetriya

Haryana Kshetriya

Hazaribagh Kshetriya

Himachal

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(137)

(138)

(139)

(140)

(141)

(142)

(143)

(144)

Income

I.

Interest Earned

1458

1932

2284

2653

802

946

3293

4103

a)

Interest/discount on advances/bills

50

904

1191

1318

122

174

664

988

b)

Income on Investments

67

95

461

502

329

516

1895

2291

c)

Interest on balances with

741

934

-

-

351

255

733

822

RBI and other inter-bank funds

d)

Others

-

-

633

832

-

-

2

2

II.

Other income

60

123

57

68

10

6

33

51

a)

Commission, exchange and brokerage

27

39

40

40

8

3

15

21

b)

Other miscellaneous income

32

84

16

29

3

3

18

30

Total (I+II)

1518

2055

2340

2721

812

952

3327

4154

Expenditure & Provisions

III.

Interest expended

1141

1356

1645

1931

445

543

2312

2890

a)

Interest on deposits

998

1156

1448

1694

411

499

2204

2746

b)

Interest on RBI/inter-bank borrowings

143

200

-

-

34

44

1

1

c)

Others

-

-

197

237

-

-

107

143

IV.

Operating expenses

468

502

585

640

141

141

745

860

a)

Payments to and provisions for employees

405

432

531

578

118

119

670

766

b)

Rent, taxes and lighting

14

15

10

11

4

4

15

21

c)

Printing and stationery

5

6

3

8

3

2

8

9

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

4

6

4

4

2

2

6

9

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

2

1

1

-

-

1

2

h)

Law charges

-

1

1

1

-

-

1

1

i)

Postage, telegrams, telephones, etc.

4

4

2

3

1

1

8

10

j)

Repairs and maintenance

-

1

-

1

-

-

1

2

k)

Insurance

11

10

11

15

-

-

14

17

l)

Other expenditure

23

25

21

19

12

12

22

22

V.

Provisions and contingencies

1

-

-

-

60

6

4

-

Total expenses*

1609

1858

2230

2571

586

684

3057

3750

VI.

Profit (loss)

-91

197

111

150

166

263

266

404

Total (III+IV+V+VI)

1518

2055

2340

2721

812

952

3327

4154

(Amount in Rs. lakh)

For the year ended March 31

Items

Hindon

Hissar-Sirsa Kshetriya

Howrah

Indore Ujjain

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(145)

(146)

(147)

(148)

(149)

(150)

(151)

(152)

Income

I.

Interest Earned

408

496

1093

1312

2019

2467

650

761

a)

Interest/discount on advances/bills

90

123

484

630

330

411

286

356

b)

Income on Investments

318

365

242

245

1144

1410

355

160

c)

Interest on balances with

-

-

367

437

545

646

9

246

RBI and other inter-bank funds

d)

Others

-

8

-

-

-

-

-

-

II.

Other income

7

31

23

32

81

115

33

96

a)

Commission, exchange and brokerage

5

5

6

7

61

95

5

6

b)

Other miscellaneous income

2

27

17

25

19

20

28

91

Total (I+II)

415

528

1115

1343

2099

2582

683

858

Expenditure & Provisions

III.

Interest expended

221

258

648

789

1472

1926

423

533

a)

Interest on deposits

205

230

516

627

1422

1851

368

449

b)

Interest on RBI/inter-bank borrowings

16

28

5

4

50

74

55

84

c)

Others

-

-

128

157

-

-

-

-

IV.

Operating expenses

126

106

249

290

419

443

223

208

a)

Payments to and provisions for employees

107

86

212

249

364

378

194

175

b)

Rent, taxes and lighting

3

3

8

9

16

19

9

9

c)

Printing and stationery

1

1

4

3

6

8

4

4

d)

Advertisement and publicity

-

-

-

-

1

-

-

-

e)

Depreciation on Bank's property

2

2

4

4

5

5

2

2

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

-

1

1

1

1

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

2

3

2

3

2

3

1

2

j)

Repairs and maintenance

-

-

-

1

1

2

1

1

k)

Insurance

2

2

3

7

11

10

4

6

l)

Other expenditure

8

7

15

14

12

16

9

10

V.

Provisions and contingencies

16

54

-

6

99

184

4

7

Total expenses*

347

364

897

1079

1891

2368

646

741

VI.

Profit (loss)

52

110

219

258

109

30

33

110

Total (III+IV+V+VI)

415

528

1115

1343

2099

2582

683

858

(Amount in Rs. lakh)

For the year ended March 31

Items

Jaipur Nagaur Anchalik

Jammu Rural

Jamnagar

Jamuna

Gramin Bank

Bank

Gramin Bank

Gramin Bank

1999

2000

1999

2000

1999

2000

1999

2000

(153)

(154)

(155)

(156)

(157)

(158)

(159)

(160)

Income

I.

Interest Earned

3834

4467

3223

3768

1376