(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

1,93,268.88

9,396.76

5.11

(100.00)

(100.00)

i)

Interest Income

1,44,346.81

1,58,438.26

14,091.45

9.76

(78.50)

(81.98)

of which:

Interest on Advances

70,049.85

83,573.94

13,524.09

19.31

Income on Investments

66,104.78

66,171.79

67.01

0.10

ii)

Other Income

39,525.31

34,830.62

-4,694.69

-11.88

(21.50)

(18.02)

of which:

Commission and Brokerage

11,837.60

14,913.49

3,075.89

25.98

B.

Expenditure (i+ii+iii)

1,61,601.18

1,71,948.72

10,347.54

6.40

(100.00)

(100.00)

i)

Interest Expended

87,562.75

91,537.00

3,974.25

4.54

(54.18)

(53.24)

of which:

Interest on Deposits

77,667.58

77,611.84

-55.74

-0.07

ii)

Provisions and Contingencies

30,329.28

30,363.86

34.58

0.11

(18.77)

(17.66)

of which:

Provision for NPAs

17,441.31

7,105.92

-10,335.39

-59.26

iii)

Operating Expenses

43,709.15

50,047.86

6,338.71

14.50

(27.05)

(29.11)

of which:

Wage Bill

26,359.53

29,032.26

2,672.73

10.14

C.

Profit

i)

Operating Profit

52,600.22

51,684.02

-916.20

-1.74

ii)

Net Profit

22,270.94

21,320.16

-950.78

-4.27

D.

Net Interest Income/Margin

56,784.06

66,901.26

10,117.20

17.82

E.

Total Assets

19,74,017.00

23,55,982.67

3,81,965.67

19.35

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