REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31 March

Kalahandi Anchalika

Kalpatharu

Kamraz

Kanakadurga

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(169)

(170)

(171)

(172)

(173)

(174)

(175)

(176)

Income

I.

Interest earned

239

355

694

1116

454

628

467

607

a)

Interest/discount on advances/bills

140

184

317

538

66

79

263

365

b)

Income on investments

7

23

347

457

113

127

202

239

c)

Interest on balances with RBI and other

92

147

30

28

275

422

2

2

inter-bank funds

d)

Others

-

-

-

93

-

-

-

-

II.

Other income

34

12

62

85

10

24

14

18

a)

Commission, exchange, brokerage, etc.

-

-

42

50

4

5

2

4

b)

Net profit (loss) on sale of investments

-

-

-

-

-

11

-

-

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

33

12

20

35

6

8

12

14

Total (I+II)

273

367

756

1201

464

652

481

625

Expenditure & Provisions

III.

Interest expended

230

330

550

715

393

531

287

334

a)

Interest on deposits

149

244

407

550

371

509

201

228

b)

Interest on RBI/inter-bank borrowings

81

86

144

165

22

23

85

106

c)

Others

-

-

-

-

-

-

-

-

IV.

Operating expenses

342

399

369

449

363

419

117

121

a)

Payments to and provisions for employees

297

361

298

381

313

355

93

98

b)

Rent, taxes and lighting

7

8

7

8

7

8

4

5

c)

Printing and stationery

5

5

5

6

3

8

3

3

d)

Advertisement and publicity

-

-

-

-

-

-

-

1

e)

Depreciation on Bank's property

2

3

3

3

2

3

4

4

f)

Directors' fees, allowances and expenses

1

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

-

1

-

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

3

4

2

3

-

-

2

3

j)

Repairs and maintenance

1

2

1

2

-

-

2

2

k)

Insurance

14

7

34

27

4

5

2

3

l)

Other expenditure

12

9

17

19

31

39

7

2

V.

Provisions and contingencies

-

290

25

463

18

182

13

48

Total expenses

572

1019

945

1627

774

1132

417

503

VI.

Profit (loss)

(300)

(653)

(189)

(426)

(310)

(480)

64

121

Total (III+IV+V+VI)

273

367

756

1201

464

652

481

625

(Amount in Rs. lakh)

For the year ended 31st March

Kanpur Kshetriya

Kapurthala Firozpur Kshetriya

Kashi

Kisan

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(177)

(178)

(179)

(180)

(181)

(182)

(183)

(184)

Income

I.

Interest earned

872

1709

301

505

779

1151

276

409

a)

Interest/discount on advances/bills

177

429

75

140

206

284

111

135

b)

Income on investments

240

775

75

138

245

442

48

87

c)

Interest on balances with RBI and other

450

504

152

227

327

426

118

186

inter-bank funds

d)

Others

5

-

-

-

-

-

-

-

II.

Other income

65

57

38

46

40

52

16

26

a)

Commission, exchange, brokerage, etc.

61

52

2

2

11

14

10

14

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

-

1

-

-

-

-

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

4

4

36

44

29

38

6

12

Total (I+II)

937

1766

339

551

818

1203

292

435

Expenditure & Provisions

III.

Interest expended

921

1347

326

383

745

1011

253

363

a)

Interest on deposits

806

1195

293

346

686

953

211

316

b)

Interest on RBI/inter-bank borrowings

-

-

33

37

2

2

42

47

c)

Others

115

151

-

-

57

56

-

-

IV.

Operating expenses

548

543

200

193

372

418

246

264

a)

Payments to and provisions for employees

428

476

156

171

306

341

212

233

b)

Rent, taxes and lighting

11

12

3

4

9

13

5

6

c)

Printing and stationery

6

5

3

3

5

6

3

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

4

4

4

4

3

3

2

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

1

1

1

-

1

h)

Law charges

-

1

-

-

1

1

-

-

i)

Postage, telegrams, telephones, etc.

-

1

1

1

1

2

1

1

j)

Repairs and maintenance

-

1

1

1

2

2

1

1

k)

Insurance

75

16

-

1

19

19

-

1

l)

Other expenditure

22

24

32

9

26

31

20

16

V.

Provisions and contingencies

59

1854

49

456

72

1531

46

175

Total expenses

1528

3743

575

1032

1189

2960

545

802

VI.

Profit (loss)

(592)

(1977)

(236)

(482)

(370)

(1757)

(253)

(367)

Total (III+IV+V+VI)

937

1766

339

551

818

1203

292

435

(Amount in Rs. lakh)

For the year ended 31st March

Kolar

Koraput Panchabati

Kosi Kshetriya

Krishna

Items

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

1996

1997

1996

1997

1996

1997

1996

1997

(185)

(186)

(187)

(188)

(189)

(190)

(191)

(192)

Income

I.

Interest earned

684

1097

955

1347

548

845

1035

1856

a)

Interest/discount on advances/bills

359

576

232

460

141

204

595

1247

b)

Income on investments

322

517

377

887

-

-

124

259

c)

Interest on balances with RBI and other

3

-

346

-

406

642

316

350

inter-bank funds

d)

Others

-

5

-

-

-

-

-

-

II.

Other income

74

66

48

46

25

21

120

49

a)

Commission, exchange, brokerage, etc.

7

10

1

-

4

4

100

49

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

66

56

47

46

21

17

20

-

Total (I+II)

758

1164

1002

1392

573

866

1155

1906

Expenditure & Provisions

III.

Interest expended

511

643

524

711

635

859

770

1218

a)

Interest on deposits

355

486

368

557

557

804

620

927

b)

Interest on RBI/inter-bank borrowings

145

158

156

154

78

55

-

-

c)

Others

11

-

-

-

-

-

150

291

IV.

Operating expenses

362

414

525

596

694

1031

604

715

a)

Payments to and provisions for employees

269

375

447

508

568

652

412

441

b)

Rent, taxes and lighting

7

9

8

9

10

11

11

11

c)

Printing and stationery

3

2

7

8

9

10

6

10

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

3

4

4

2

3

3

4

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

1

1

1

1

h)

Law charges

-

-

-

-

-

-

-

-

i)

Postage, telegrams, telephones, etc.

3

3

4

4

1

2

2

3