(Amount in Rs. crore)

Item

2002-03

2003-04

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

Absolute

Percentage

1

2

3

4

5

A.

Income (i+ii)

12,034.58

13,012.09

977.51

8.12

(100.00)

(100.00)

i)

Interest Income

8,957.63

8,990.33

32.70

0.37

(74.43)

(69.09)

of which: Interest on Advances

5,391.03

5,045.27

-345.76

-6.41

Income on Investments

3,135.81

3,404.10

268.29

8.56

ii)

Other Income

3,076.95

4,021.76

944.81

30.71

(25.57)

(30.91)

of which:

Commission & Brokerage

1,431.73

1,632.21

200.48

14.00

B.

Expenditure (i+ii+iii)

10,210.54

10,769.01

558.47

5.47

(100.00)

(100.00)

i)

Interest Expended

5,055.01

4,272.25

-782.76

-15.48

(49.51)

(39.68)

of which: Interest on Deposits

3,550.48

2,895.45

-655.03

-18.45

ii)

Provisions and Contingencies

1,904.10

2,744.32

840.22

44.13

(18.65)

(25.48)

of which:

Provision for NPAs

698.62

897.82

199.20

28.51

iii)

Operating Expenses

3,251.43

3,752.44

501.01

15.41

(31.84)

(34.84)

of which

: Wage Bill

1,038.65

1,199.67

161.02

15.50

C.

Profit

i)

Operating Profit

3,728.14

4,987.40

1,259.26

33.78

ii)

Net Profit *

1,824.04

2,243.08

419.04

22.97

D.

Spread (Net Interest Income)

3,902.62

4,718.08

815.46

20.90

(Interest Income - Interest Expended)

E.

Total Assets

1,16,660.78

1,36,315.72

19,654.94

16.85

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