(Amount in Rs. crore)

Item

2002-03

2003-04

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

Absolute

Percentage

1

2

3

4

5

A.

Income (i+ii)

79,597.73

85,712.03

6,114.30

7.68

(100.00)

(100.00)

i)

Interest Income

66,368.04

68,539.86

2,171.82

3.27

(83.38)

(79.97)

of which: Interest on Advances

33,134.49

33,684.10

549.61

1.66

Income on Investments

30,148.18

32,268.55

2,120.37

7.03

ia)

Interest on Recapitalisation Bonds

1,855.72

1,855.72

ii)

Other Income

13,229.69

17,172.17

3,942.48

29.80

(16.62)

(20.03)

of which: Commission & Brokerage

3,336.17

3,604.78

268.61

8.05

B.

Expenditure (i+ii+iii)

71,813.79

74,784.38

2,970.59

4.14

(100.00)

(100.00)

i)

Interest Expended

42,645.95

40,369.38

-2,276.57

-5.34

(59.38)

(53.98)

of which: Interest on Deposits

40,556.74

38,185.77

-2,370.97

-5.85

ii)

Provisions and Contingencies

10,702.19

14,183.55

3,481.36

32.53

(14.90)

(18.97)

of which: Provision for NPAs

5,762.92

8,988.97

3,226.05

55.98

iii)

Operating Expenses

18,465.65

20,231.45

1,765.80

9.56

(25.71)

(27.05)

of which: Wage Bill

13,062.10

14,068.36

1,006.26

7.70

C.

Profit

i)

Operating Profit

18,486.13

25,111.20

6,625.07

35.84

ia)

Operating Profit (exclusive of income

from recapitalisation bonds)

16,630.41

23,255.48

6,625.07

39.84

ii)

Net Profit

7,783.94

10,927.65

3,143.71

40.39

iia)

Net Profit (exclusive of income

from recapitalisation bonds)

5,928.22

9,071.93

3,143.71

53.03

D.

Spread (Net Interest Income)

23,722.09

28,170.48

4,448.39

18.75

(Interest Income - Interest Expended)

E.

Total Assets

7,90,939.05

9,22,170.57

1,31,231.52

16.59

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