(Amount in Rs. crore)

Item

2003-04

2004-05

Variation

Absolute

Percentage

1

2

3

4

5

A.

Income (i+ii)

85,712.04

87,548.03

1,835.99

2.14

(100.00)

(100.00)

i)

Interest Income

68,590.96

73,645.20

5,054.24

7.37

(80.02)

(84.12)

of which:

Interest on Advances

33,684.10

38,117.70

4,433.60

13.16

Income on Investments

32,343.73

32,660.38

316.65

0.98

Interest on Recapitalisation Bonds

1855.72

1420.15

ii)

Other Income

17,121.08

13,902.83

-3,218.25

-18.80

(19.98)

(15.88)

of which:

Commission and Brokerage

3,604.77

4,089.97

485.20

13.46

B.

Expenditure (i+ii+iii)

74,784.38

78,053.99

3,269.61

4.37

(100.00)

(100.00)

i)

Interest Expended

40,369.38

41,446.03

1,076.65

2.67

(53.98)

(53.10)

of which:

Interest on Deposits

38,244.78

38,952.10

707.32

1.85

ii)

Provisions and Contingencies

13,998.92

13,936.97

-61.95

-0.44

(18.72)

(17.86)

of which:

Provision for NPAs

8,989.18

4,446.80

-4,542.38

-50.53

iii)

Operating Expenses

20,416.08

22,670.99

2,254.91

11.04

(27.30)

(29.05)

of which:

Wage Bill

14,262.25

15,434.50

1,172.25

8.22

C.

Profit

i)

Operating Profit

24,926.58

23,431.01

-1,495.57

-6.00

Operating Profit exclusive of

income from recapitalisation bonds

23,070.86

22,010.86

-1,060.00

-4.59

ii)

Net Profit

10,927.66

9,494.04

-1,433.62

-13.12

Net Profit exclusive of income

from recapitalisation bonds

9,071.94

8,073.89

-998.05

-11.00

D.

Net Interest Income/Margin

28,221.58

32,199.17

3,977.59

14.09

E.

Total Assets

9,21,953.66

10,65,503.85

1,43,550.19

15.57

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