(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)

48,866.65

51,889.78

3,023.13

6.19

(100.00)

(100.00)

i)

Interest Income

40,864.01

40,956.39

92.38

0.23

(83.62)

(78.93)

of which: Interest on Advances

15,997.73

16,250.05

252.32

1.58

Income on Investments

19,914.40

20,902.97

988.57

4.96

ii)

Other Income

8,002.64

10,933.39

2,930.75

36.62

(16.38)

(21.07)

of which: Commission & Brokerage

3,943.05

4,204.80

261.75

6.64

B.

Expenditure (i+ii+iii)

44,355.13

46,271.06

1,915.93

4.32

(100.00)

(100.00)

i)

Interest Expended

27,206.64

25,395.15

-1,811.49

-6.66

(61.34)

(54.88)

of which: Interest on Deposits

26,064.26

24,027.79

-2,036.47

-7.81

ii)

Provisions and Contingencies

6,719.59

8,744.80

2,025.21

30.14

(15.15)

(18.90)

of which: Provision for NPAs

3,586.45

5,199.92

1,613.47

44.99

iii)

Operating Expenses

10,428.90

12,131.11

1,702.21

16.32

(23.51)

(26.22)

of which: Wage Bill

7,382.78

8,321.56

938.78

12.72

C.

Profit

i)

Operating Profit

11,231.11

14,363.52

3,132.41

27.89

ii)

Net Profit

4,511.52

5,618.72

1,107.20

24.54

D.

Spread (Net Interest Income)

13,657.37

15,561.24

1,903.87

13.94

(Interest Income - Interest Expended)

E.

Total Assets

4,94,471.56

5,49,257.10

54,785.54

11.08

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