(Amount in Rs. crore)

Item

2003-04

2004-05

Variation

Absolute

Percentage

1

2

3

4

5

A.

Income (i+ii)

1,83,872.12

1,86,703.20

2,831.08

1.54

(100.00)

(100.00)

i)

Interest Income

1,44,346.81

1,53,126.82

8,780.01

6.08

(78.50)

(82.02)

of which:

Interest on Advances

70,049.85

79,202.64

9,152.79

13.07

Income on Investments

66,104.78

65,380.89

-723.89

-1.10

ii)

Other Income

39,525.31

33,576.38

-5,948.93

-15.05

(21.50)

(17.98)

of which:

Commission and Brokerage

11,837.60

14,652.15

2,814.55

23.78

B.

Expenditure (i+ii+iii)

1,61,601.18

1,65,997.54

4,396.36

2.72

(100.00)

(100.00)

i)

Interest Expended

87,562.75

86,601.26

-961.49

-1.10

(54.18)

(52.17)

of which:

Interest on Deposits

77,667.58

76,903.26

-764.32

-0.98

ii)

Provisions and Contingencies

30,329.28

30,256.34

-72.94

-0.24

(18.77)

(18.23)

of which:

Provision for NPAs

17,441.31

7,181.78

-10,259.53

-58.82

iii)

Operating Expenses

43,709.15

49,139.94

5,430.79

12.42

(27.05)

(29.60)

of which:

Wage Bill

26,359.53

28,733.58

2,374.05

9.01

C.

Profit

i)

Operating Profit

52,600.22

50,962.00

-1,638.22

-3.11

ii)

Net Profit

22,270.94

20,705.66

-1,565.28

-7.03

D.

Net Interest Income/Margin

56,784.06

66,525.56

9,741.50

17.16

E.

Total Assets

19,74,017.00

22,74,622.42

3,00,605.42

15.23