(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)

1,72,345.02

1,83,767.24

11,422.22

6.63

(100.00)

(100.00)

i)

Interest Income

1,40,742.48

1,44,028.37

3,285.89

2.33

(81.66)

(78.38)

of which: Interest on Advances

68,570.10

70,050.92

1,480.82

2.16

Income on Investments

62,411.17

65,797.84

3,386.67

5.43

ii)

Other Income*

31,602.54

39,738.87

8,136.33

25.75

(18.34)

(21.62)

of which: Commission & Brokerage

10,594.54

11,825.01

1,230.47

11.61

B.

Expenditure (i+ii+iii)

1,55,267.80

1,61,496.31

6,228.51

4.01

(100.00)

(100.00)

i)

Interest Expended

93,596.27

87,566.84

-6,029.43

-6.44

(60.28)

(54.22)

of which: Interest on Deposits

82,642.58

77,605.39

-5,037.19

-6.10

ii)

Provisions and Contingencies

23,604.72

30,399.84

6,795.12

28.79

(15.20)

(18.82)

of which: Provision for NPAs

12,725.12

17,366.17

4,641.05

36.47

iii)

Operating Expenses

38,066.81

43,529.63

5,462.82

14.35

(24.52)

(26.95)

of which: Wage Bill

23,610.14

26,163.97

2,553.83

10.82

C.

Profit

i)

Operating Profit

40,681.94

52,670.77

11,988.83

29.47

ii)

Net Profit @

17,077.22

22,270.93

5,193.71

30.41

D.

Spread (Net Interest Income)

47,146.21

56,461.53

9,315.32

19.76

(Interest Income - Interest Expended)

E.

Total Assets

16,99,197.46

19,75,019.58

2,75,822.12

16.23