(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

1,17,252.36

1,28,464.37

11,212.01

9.56

(i+ii)

(100.00)

(100.00)

i)

Interest Income

1,00,710.96

1,07,192.81

6,481.85

6.44

(85.89)

(83.44)

of which: Interest on Advances

45,967.42

49,197.70

3,230.28

7.03

Income on Investments

46,344.87

49,999.26

3,654.39

7.89

ii)

Other Income

16,541.40

21,271.56

4,730.16

28.60

(14.11)

(16.56)

of which: Commission & Brokerage

6,811.04

7,293.65

482.61

7.09

B.

Expenditure

1,08,947.51

1,16,168.91

7,221.40

6.63

(i+ii+iii)

(100.00)

(100.00)

i)

Interest Expended

69,153.77

69,852.59

698.82

1.01

(63.47)

(60.13)

of which: Interest on Deposits

65,578.56

66,620.99

1,042.43

1.59

ii)

Provisions and Contingencies

13,371.69

17,419.78

4,048.09

30.27

(12.27)

(15.00)

of which: Provisions for NPAs

8,209.55

9,275.07

1,065.52

12.98

iii)

Operating Expenses

26,422.05

28,896.54

2,474.49

9.37

(24.25)

(24.87)

of which : Wage Bill

19,045.38

20,446.88

1,401.50

7.36

C.

Profit

i)

Operating Profit

21,676.54

29,715.24

8,038.70

37.08

ii)

Net Profit

8,304.85

12,295.46

3,990.61

48.05

D.

Spread (Net Interest Income)

31,557.19

37,340.22

5,783.03

18.33

(Interest Income - Interest Expended)

E.

Total Assets

11,55,397.68

12,85,235.70

1,29,838.02

11.24

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