(Amount in Rs. crore)

Item

2003-04

2004-05

Variation

Absolute

Percentage

1

2

3

4

5

A.

Income (i+ii)

51,875.27

53,512.54

1,637.27

3.16

(100.00)

(100.00)

i)

Interest Income

40,956.39

44,045.35

3,088.96

7.54

(78.95)

(82.31)

of which:

Interest on Advances

16,250.05

18,919.56

2,669.51

16.43

Income on Investments

20,864.16

21,326.48

462.32

2.22

ii)

Other Income

10,918.88

9,467.19

-1,451.69

-13.30

(21.05)

(17.69)

of which:

Commission and Brokerage

4,217.36

4,792.99

575.63

13.65

B.

Expenditure (i+ii+iii)

46,256.55

47,836.68

1,580.13

3.42

(100.00)

(100.00)

i)

Interest Expended

25,395.15

24,842.08

-553.07

-2.18

(54.90)

(51.93)

of which:

Interest on Deposits

24,027.79

23,275.67

-752.12

-3.13

ii)

Provisions and Contingencies

8,744.80

9,584.29

839.49

9.60

(18.90)

(20.04)

of which:

Provision for NPAs

5,199.92

1,406.83

-3,793.09

-72.95

iii)

Operating Expenses

12,116.60

13,410.31

1,293.71

10.68

(26.19)

(28.03)

of which:

Wage Bill

8,318.98

9,009.43

690.45

8.30

C.

Profit

i)

Operating Profit

14,363.52

15,260.15

896.63

6.24

ii)

Net Profit

5,618.72

5,675.86

57.14

1.02

D.

Net Interest Income/Margin

15,561.24

19,203.27

3,642.03

23.40

E.

Total Assets

5,49,123.72

6,27,074.70

77,950.98

14.20

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