(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)

1,28,464.38

1,37,601.81

9,137.43

7.11

(100.00)

(100.00)

i)

Interest Income

1,07,232.05

1,09,496.25

2,264.20

2.11

(83.47)

(79.57)

of which: Interest on Advances

49,132.22

49,934.15

801.93

1.63

Income on Investments

50,062.58

53,171.52

3,108.94

6.21

ii)

Other Income

21,232.33

28,105.56

6,873.23

32.37

(16.53)

(20.43)

of which: Commission & Brokerage

7,279.22

7,809.58

530.36

7.29

B.

Expenditure (i+ii+iii)

1,16,168.92

1,21,055.44

4,886.52

4.21

(100.00)

(100.00)

i)

Interest Expended

69,852.59

65,764.53

-4,088.06

-5.85

(60.13)

(54.33)

of which: Interest on Deposits

66,621.00

62,213.56

-4,407.44

-6.62

ii)

Provisions and Contingencies

17,421.78

22,928.35

5,506.57

31.61

(15.00)

(18.94)

of which: Provision for NPAs

9,349.37

14,188.89

4,839.52

51.76

iii)

Operating Expenses

28,894.55

32,362.56

3,468.01

12.00

(24.87)

(26.73)

of which: Wage Bill

20,444.88

22,389.92

1,945.04

9.51

C.

Profit

i)

Operating Profit

29,717.24

39,474.72

9,757.48

32.83

ii)

Net Profit

12,295.46

16,546.37

4,250.91

34.57

D.

Spread (Net Interest Income)

37,379.46

43,731.72

6,352.26

16.99

(Interest Income - Interest Expended)

E.

Total Assets

12,85,410.61

14,71,427.67

1,86,017.06

14.47

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