REGIONAL RURAL BANKS

(Amount in Rs. lakh)

For the year ended 31st March

Nadia

Nagaland

Nagarjuna

Nainital Almora

Gramin Bank

Gramin Bank

Gramin Bank

Kshetriya Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(241)

(242)

(243)

(244)

(245)

(246)

(247)

(248)

Income

I.

Interest earned

534

941

37

79

1295

1204

394

700

a)

Interest/discount on advances/bills

134

232

4

7

542

514

233

322

b)

Income on investments

156

444

-

-

392

333

158

373

c)

Interest on balances with RBI and other

245

265

32

72

361

358

3

4

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

5

12

6

2

251

48

22

25

a)

Commission, exchange, brokerage, etc.

5

12

1

1

42

42

3

11

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

-

-

5

2

209

6

19

15

Total (I+II)

539

953

43

81

1546

1253

416

725

Expenditure & Provisions

III.

Interest expended

450

651

25

92

861

1112

315

455

a)

Interest on deposits

373

551

12

46

738

938

264

383

b)

Interest on RBI/inter-bank borrowings

77

101

13

1

121

170

49

71

c)

Others

-

-

-

44

2

3

1

1

IV.

Operating expenses

294

315

28

33

724

860

204

225

a)

Payments to and provisions for employees

240

287

25

26

645

746

173

187

b)

Rent, taxes and lighting

5

6

1

1

18

20

10

14

c)

Printing and stationery

5

5

-

-

9

9

4

4

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

-

-

3

3

3

3

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

-

1

-

-

1

2

1

1

h)

Law charges

-

-

-

-

2

1

-

-

i)

Postage, telegrams, telephones, etc.

-

-

-

-

3

4

2

2

j)

Repairs and maintenance

-

-

-

-

1

1

3

3

k)

Insurance

2

2

1

1

9

34

1

2

l)

Other expenditure

39

11

-

4

33

41

7

9

V.

Provisions and contingencies

1256

398

28

-

53

47

27

43

Total expenses

2000

1364

81

124

1638

2019

546

723

VI.

Profit (loss)

(1461)

(411)

(38)

(43)

(92)

(767)

(129)

2

Total (III+IV+V+VI)

539

953

43

81

1546

1253

416

725

(Amount in Rs. lakh)

For the year ended 31st March

Nalanda

Netravati

Nimar Kshetriya

North Malabar

Gramin Bank

Gramin Bank

Gramin Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(249)

(250)

(251)

(252)

(253)

(254)

(255)

(256)

Income

I.

Interest earned

275

450

130

198

506

825

2284

3255

a)

Interest/discount on advances/bills

73

79

83

134

271

394

1795

2418

b)

Income on investments

-

-

4

9

116

125

489

837

c)

Interest on balances with RBI and other

202

372

44

56

119

306

-

-

inter-bank funds

d)

Others

-

-

-

-

-

-

-

-

II.

Other income

17

29

15

21

36

68

239

309

a)

Commission, exchange, brokerage, etc.

1

3

2

3

3

3

29

35

b)

Net profit (loss) on sale of investments

-

-

-

-

1

21

-

-

c)

Net profit (loss) on revaluation of investments

-

-

-

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

-

-

-

1

-

1

-

-

& other assets

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

-

f)

Miscellaneous income

16

27

13

18

32

42

210

274

Total (I+II)

293

480

145

219

542

892

2523

3564

Expenditure & Provisions

III.

Interest expended

373

546

97

140

447

612

1213

1616

a)

Interest on deposits

363

541

73

102

377

529

737

992

b)

Interest on RBI/inter-bank borrowings

10

6

25

38

5

5

477

625

c)

Others

-

-

-

-

66

79

-

-

IV.

Operating expenses

337

326

92

103

291

305

1090

1155

a)

Payments to and provisions for employees

258

284

82

92

243

270

912

944

b)

Rent, taxes and lighting

5

5

3

3

8

10

25

29

c)

Printing and stationery

2

2

1

1

5

5

13

16

d)

Advertisement and publicity

-

-

-

-

-

-

-

-

e)

Depreciation on Bank's property

2

2

-

1

3

3

5

7

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

-

-

1

1

2

2

h)

Law charges

-

1

-

-

-

-

-

1

i)

Postage, telegrams, telephones, etc.

2

1

1

1

2

2

14

16

j)

Repairs and maintenance

-

-

-

-

2

1

1

1

k)

Insurance

1

1

1

1

-

-

7

8

l)

Other expenditure

67

29

3

4

27

13

111

131

V.

Provisions and contingencies

99

246

-

-

(59)

194

-

-

Total expenses

809

1118

189

243

679

1112

2304

2771

VI.

Profit (loss)

(517)

(639)

(44)

(24)

(137)

(219)

219

793

Total (III+IV+V+VI)

293

480

145

219

542

892

2523

3564

(Amount in Rs. lakh)

For the year ended 31st March

Palamau Kshetriya

Panchmahal

Pandyan

Parvatiya

Gramin Bank

Gramin Bank

Grama Bank

Gramin Bank

Items

1996

1997

1996

1997

1996

1997

1996

1997

(257)

(258)

(259)

(260)

(261)

(262)

(263)

(264)

Income

I.

Interest earned

474

717

483

480

1601

2315

282

a)

Interest/discount on advances/bills

93

128

316

176

1103

1639

59

b)

Income on investments

162

193

60

130

498

673

140

c)

Interest on balances with RBI and other

219

396

100

161

-

-

83

inter-bank funds

d)

Others

-

-

7

13

-

3

-

N

II.

Other income

10

17

27

77

133

142

22

a)

Commission, exchange, brokerage, etc.

9

15

8

12

114

128

1

b)

Net profit (loss) on sale of investments

-

-

-

-

-

-

-

O

c)

Net profit (loss) on revaluation of investments

-

-

-

-

-

-

-

d)

Net profit (loss) on sale of land, building

-

-

-

-

1

-

-

& other assets

T

e)

Net profit (loss) on exchange transaction

-

-

-

-

-

-

-

f)

Miscellaneous income

2

2

19

66

17

14

21

Total (I+II)

484

734

510

557

1734

2457

304

Expenditure & Provisions

A

III.

Interest expended

430

666

397

508

1175

1687

224

a)

Interest on deposits

418

654

277

384

910

1298

196

V

b)

Interest on RBI/inter-bank borrowings

11

12

121

124

80

205

28

c)

Others

-

-

-

-

186

184

-

A

IV.

Operating expenses

344

399

267

237

888

1178

101

a)

Payments to and provisions for employees

287

321

190

199

736

1028

86

b)

Rent, taxes and lighting

9

10

7

7

23

26

3

I

c)

Printing and stationery

5

11

4

4

16

20

2

d)

Advertisement and publicity

-

-

-

-

1

1

-

e)

Depreciation on Bank's property

2

3

3

2

7

9

2

L

f)

Directors' fees, allowances and expenses

-

-

-

-

-

-

-

g)

Auditors' fees and expenses

1

1

1

1

2

2

-

h)

Law charges

-

-

1

1

-

-

-

A

i)

Postage, telegrams, telephones, etc.

1

2

2

2

10

12

1

j)

Repairs and maintenance

1

1

1

1

1

2

-

k)

Insurance

22

32