(Amount in Rs. crore)

Item

1998-99

1999-2000

Variation of

Column (3) over (2)

Absolute

Percentage

1

2

3

4

5

A. Income (i+ii)

4,130.49

5,407.47

1,276.98

30.92

(100.00)

(100.00)

i)

Interest Income

3,540.88

4,429.21

888.33

25.09

(85.73)

(81.91)

ii)

Other Income

589.61

978.26

388.65

65.92

(14.27)

(18.09)

B. Expenditure (i+ii+iii)

3,733.44

4,838.06

1,104.62

29.59

(100.00)

(100.00)

i)

Interest Expended

2,776.94

3,326.61

549.67

19.79

(74.38)

(68.76)

ii)

Provisions and Contingencies

287.23

674.43

387.20

134.80

(7.69)

(13.94)

iii)

Operating Expenses

669.27

837.02

167.75

25.06

(17.93)

(17.30)

of which : Wage Bill

119.97

163.18

43.21

36.02

(3.21)

(3.37)

C. Profit

i)

Operating Profit

684.28

1,243.84

559.56

81.77

ii)

Net Profit

397.05

569.41

172.36

43.41

D. Total Assets

38,530.87

58,857.18

20,326.31

52.75

E. Financial Ratios (per cent) $

i)

Operating Profit

1.78

2.11

0.33

—

ii)

Net Profit

1.03

0.97

-0.06

—

iii)

Income

10.72

9.19

-1.53

—

iv)

Interest Income

9.19

7.53

-1.66

—

v)

Other Income

1.53

1.66

0.13

—

vi)

Expenditure

9.69

8.22

-1.47

—

vii)

Interest Expended

7.21

5.65

-1.56

—

viii)

Operating Expenses

1.74

1.42

-0.32

—

ix)

Wage Bill

0.31

0.28

-0.03

—

x)

Provisions and Contingencies

0.75

1.15

0.40

—

xi)

Spread (Net Interest Income)

1.98

1.87

-0.11

—

Notes: 1. $ Ratios to Total Assets.

2. Figures in brackets are percentage shares to the respective total.