(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)

11,278.83

11,551.33

272.50

2.42

(100.00)

(100.00)

i)

Interest Income

8,919.79

9,120.37

200.58

2.25

(79.08)

(78.96)

of which: Interest on Advances

4,802.66

4,890.85

88.19

1.84

Income on Investments

3,692.65

3,830.53

137.88

3.73

ii)

Other Income

2,359.04

2,430.96

71.92

3.05

(20.92)

(21.04)

of which: Commission & Brokerage

511.09

518.22

7.13

1.40

B.

Expenditure (i+ii+iii)

10,047.09

10,104.85

57.76

0.57

(100.00)

(100.00)

i)

Interest Expended

6,327.22

5,981.87

-345.35

-5.46

(62.98)

(59.20)

of which: Interest on Deposits

6,076.75

5,668.46

-408.29

-6.72

ii)

Provisions and Contingencies

1,572.69

1,749.43

176.74

11.24

(15.65)

(17.31)

of which: Provision for NPAs

768.55

821.66

53.11

6.91

iii)

Operating Expenses

2,147.18

2,373.55

226.37

10.54

(21.37)

(23.49)

of which: Wage Bill

1,297.85

1,395.97

98.12

7.56

C.

Profit

i)

Operating Profit

2,804.43

3,195.91

391.48

13.96

ii)

Net Profit

1,231.74

1,446.48

214.74

17.43

D.

Spread (Net Interest Income)

2,592.57

3,138.50

545.93

21.06

(Interest Income - Interest Expended)

E.

Total Assets

1,04,956.26

1,20,700.43

15,744.17

15.00

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