(Amount in Rs.crore)

Item

2001-02

2002-03

Variation of Col. (3)
over Col.(2)

Absolute

Percentage

1

2

3

4

5

A.

Income

44,762.80

48,866.64

4,103.84

9.17

(i+ii)

(100.00)

(100.00)

i)

Interest Income

38,746.03

40,868.53

2,122.50

5.48

(86.56)

(83.63)

of which : Interest on Advances

15,309.12

15,997.73

688.61

4.50

Income on Investments

18,467.62

19,917.97

1,450.35

7.85

ii)

Other Income

6,016.77

7,998.11

1,981.34

32.93

(13.44)

(16.37)

of which : Commission & Brokerage

3,715.22

3,957.48

242.26

6.52

B.

Expenditure

41,313.31

44,355.12

3,041.81

7.36

(i+ii+iii)

(100.00)

(100.00)

i)

Interest Expended

26,555.91

27,206.64

650.73

2.45

(64.28)

(61.34)

of which : Interest on Deposits

25,114.24

26,064.26

950.02

3.78

ii)

Provisions and Contingencies

5,270.19

6,717.59

1,447.40

27.46

(12.76)

(15.15)

of which: Provisions for NPAs

3,036.45

3,586.45

550.00

18.11

iii)

Operating Expenses

9,487.21

10,430.89

943.68

9.95

(22.96)

(23.52)

of which : Wage Bill

6,728.83

7,384.78

655.95

9.75

C.

Profit

i)

Operating Profit

8,719.68

11,229.11

2,509.43

28.78

ii)

Net Profit

3,449.49

4,511.52

1,062.03

30.79

D.

Spread (Net Interest Income)

12,190.12

13,661.89

1,471.77

12.07

(Interest Income - Interest Expended)

E.

Total Assets

4,49,288.66

4,93,954.27

44,665.61

9.94

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