(Amount in Rs. crore)

Item

1998-99

1999-2000

Variation of

Column (3) over (2)

Absolute

Percentage

1

2

3

4

5

A. Income (i+ii)

78,850.36

90,900.44

12,050.08

15.28

(100.00)

(100.00)

i)

Interest Income

69,417.42

79,459.71

10,042.29

14.47

(88.04)

(87.41)

ii)

Other Income

9,432.94

11,440.73

2,007.79

21.28

(11.96)

(12.59)

B. Expenditure (i+ii+iii)

75,596.51

85,786.57

10,190.06

13.48

(100.00)

(100.00)

i)

Interest Expended

47,839.75

55,375.28

7,535.53

15.75

(63.28)

(64.55)

ii)

Provisions and Contingencies

7,306.94

7,950.16

643.22

8.80

(9.67)

(9.27)

iii)

Operating Expenses

20,449.82

22,461.13

2,011.31

9.84

(27.05)

(26.18)

of which : Wage Bill

14,839.66

16,361.57

1,521.91

10.26

(19.63)

(19.07)

C. Profit

i)

Operating Profit

10,560.79

13,064.03

2,503.24

23.70

ii)

Net Profit

3,253.85

5,113.87

1,860.02

57.16

D. Total Assets

7,70,144.92

8,90,951.73

1,20,806.81

15.69

E. Financial Ratios (per cent) $

i)

Operating Profit

1.37

1.47

0.10

—

ii)

Net Profit

0.42

0.57

0.15

—

iii)

Income

10.24

10.20

-0.04

—

iv)

Interest Income

9.01

8.92

-0.09

—

v)

Other Income

1.22

1.28

0.06

—

vi)

Expenditure

9.82

9.63

-0.19

—

vii)

Interest Expended

6.21

6.22

0.01

—

viii)

Operating Expenses

2.66

2.52

-0.14

—

ix)

Wage Bill

1.93

1.84

-0.09

—

x)

Provisions and Contingencies

0.95

0.89

-0.06

—

xi)

Spread (Net Interest Income)

2.80

2.70

-0.10

—

Notes: 1. $ Ratios to Total Assets.

2. Figures in brackets are percentage shares to the respective total.