Appendix Table III.12(A): Financial Performance of Scheduled Commercial Banks - ஆர்பிஐ - Reserve Bank of India
Appendix Table III.12(A): Financial Performance of Scheduled Commercial Banks
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(Amount in Rs. crore) |
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Item |
2002-03 |
2003-04 |
Variation of Col. (3) over Col. (2) |
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Absolute |
Percentage |
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1 |
2 |
3 |
4 |
5 |
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A. |
Income (i+ii) |
1,72,345.02 |
1,83,767.24 |
11,422.22 |
6.63 |
|
(100.00) |
(100.00) |
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i) |
Interest Income |
1,40,742.48 |
1,44,028.37 |
3,285.89 |
2.33 |
|
(81.66) |
(78.38) |
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of which: Interest on Advances |
68,570.10 |
70,050.92 |
1,480.82 |
2.16 |
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Income on Investments |
62,411.17 |
65,797.84 |
3,386.67 |
5.43 |
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ii) |
Other Income* |
31,602.54 |
39,738.87 |
8,136.33 |
25.75 |
|
(18.34) |
(21.62) |
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of which: Commission & Brokerage |
10,594.54 |
11,825.01 |
1,230.47 |
11.61 |
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B. |
Expenditure (i+ii+iii) |
1,55,267.80 |
1,61,496.31 |
6,228.51 |
4.01 |
|
(100.00) |
(100.00) |
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i) |
Interest Expended |
93,596.27 |
87,566.84 |
-6,029.43 |
-6.44 |
|
(60.28) |
(54.22) |
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of which: Interest on Deposits |
82,642.58 |
77,605.39 |
-5,037.19 |
-6.10 |
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ii) |
Provisions and Contingencies |
23,604.72 |
30,399.84 |
6,795.12 |
28.79 |
|
(15.20) |
(18.82) |
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of which: Provision for NPAs |
12,725.12 |
17,366.17 |
4,641.05 |
36.47 |
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iii) |
Operating Expenses |
38,066.81 |
43,529.63 |
5,462.82 |
14.35 |
|
(24.52) |
(26.95) |
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of which: Wage Bill |
23,610.14 |
26,163.97 |
2,553.83 |
10.82 |
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C. |
Profit |
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i) |
Operating Profit |
40,681.94 |
52,670.77 |
11,988.83 |
29.47 |
|
ii) |
Net Profit @ |
17,077.22 |
22,270.93 |
5,193.71 |
30.41 |
|
D. |
Spread (Net Interest Income) |
47,146.21 |
56,461.53 |
9,315.32 |
19.76 |
|
(Interest Income - Interest Expended) |
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E. |
Total Assets |
16,99,197.46 |
19,75,019.58 |
2,75,822.12 |
16.23 |
|
*for 2002-03 includes, profit on sale of shares of ICICI Bank Ltd. held by erstwhile ICICI Limited. |