(Amount in Rs.crore)

Item

2001-02

2002-03

Variation of Col. (3)
over Col.(2)

Absolute

Percentage

1

2

3

4

5

A.

Income

72,489.56

79,597.73

7,108.17

9.81

(i+ii)

(100.00)

(100.00)

i)

Interest Income

61,964.93

66,324.28

4,359.35

7.04

(85.48)

(83.32)

of which: Interest on Advances

30,658.30

33,199.97

2,541.67

8.29

Income on Investments

27,877.25

30,081.29

2,204.04

7.91

(ia)

Interest on Recapitalisation Bonds

1,793.08

1,855.72

ii)

Other Income

10,524.63

13,273.45

2,748.82

26.12

(14.52)

(16.68)

of which: Commission & Brokerage

3,095.82

3,336.17

240.35

7.76

B.

Expenditure

67,634.20

71,813.79

4,179.59

6.18

(i+ii+iii)

(100.00)

(100.00)

i)

Interest Expended

42,597.86

42,645.95

48.09

0.11

(62.98)

(59.38)

of which: Interest on Deposits

40,464.32

40,556.73

92.41

0.23

ii)

Provisions and Contingencies

8,101.50

10,702.19

2,600.69

32.10

(11.98)

(14.90)

of which: Provisions for NPAs

5,173.10

5,688.62

515.52

9.97

iii)

Operating Expenses

16,934.84

18,465.65

1,530.81

9.04

(25.04)

(25.71)

of which : Wage Bill

12,316.55

13,062.10

745.55

6.05

C.

Profit

i)

Operating Profit

12,956.86

18,486.13

5,529.27

42.67

(ia)

Operating Profit (exclusive of income

from recapitalisation bonds)

11,163.78

16,630.41

5,466.63

48.97

ii)

Net Profit

4,855.36

7,783.94

2,928.58

60.32

(iia)

Net Profit (exclusive of income

from recapitalisation bonds)

3,062.28

5,928.22

2,865.94

93.59

D.

Spread (Net Interest Income)

19,367.07

23,678.33

4,311.26

22.26

(Interest Income - Interest Expended)

E.

Total Assets

7,06,109.02

7,91,281.43

85,172.41

12.06

Note: Figures in brackets are percentage shares to the respective total.