(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)

49,500.95

56,885.86

7,384.91

14.92

(100.00)

(100.00)

i)

Interest Income

44,291.27

50,273.04

5,981.77

13.51

(89.48)

(88.38)

ii)

Other Income

5,209.68

6,612.82

1,403.14

26.93

(10.52)

(11.62)

B. Expenditure (i+ii+iii)

47,712.76

54,448.86

6,736.10

14.12

(100.00)

(100.00)

i)

Interest Expended

30,856.91

35,478.22

4,621.31

14.98

(64.67)

(65.16)

ia)

Interest on Recapitalisation Bonds

1,757.87

1,797.87

ii)

Provisions and Contingencies

4,124.54

4,787.88

663.34

16.08

(8.64)

(8.79)

iii)

Operating Expenses

12,731.31

14,182.76

1,451.45

11.40

(26.68)

(26.05)

of which : Wage Bill

9,346.79

10,435.18

1,088.39

11.64

(19.59)

(19.17)

C. Profit

i)

Operating Profit

5,912.73

7,224.88

1,312.15

22.19

ia)

Operating Profit exclusive of income

from recapitalisation bonds

4,154.86

5,427.01

1,272.15

30.62

ii)

Net Profit

1,788.19

2,437.00

648.81

36.28

iia)

Net Profit exclusive of income

from recapitalisation bonds

30.32

639.13

608.81

2,007.95

D. Total Assets

4,84,310.20

5,54,625.18

70,314.98

14.52

E. Financial Ratios (per cent) $

i)

Operating Profit

1.22

1.30

0.08

—

ia)

Operating Profit exclusive of income

0.86

0.98

0.12

—

from recapitalisation bonds

ii)

Net Profit

0.37

0.44

0.07

—

iia)

Net Profit exclusive of income

0.01

0.12

0.11

—

from recapitalisation bonds

iii)

Income

10.22

10.26

0.04

—

iv)

Interest Income

9.15

9.06

-0.09

—

v)

Other Income

1.08

1.19

0.11

—

vi)

Expenditure

9.85

9.82

-0.03

—

vii)

Interest Expended

6.37

6.40

0.03

—

viii)

Operating Expenses

2.63

2.56

-0.07

—

ix)

Wage Bill

1.93

1.88

-0.05

—

x)

Provisions and Contingencies

0.85

0.86

0.01

—

xi)

Spread (Net Interest Income)

2.77

2.67

-0.10

—

xia)

Spread exclusive of recapitalisation Bonds

2.41

2.34

-0.07

Notes: 1. $ Ratios to Total Assets.

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

3. Figures for interest on Recapitalisation Bonds and Net Profit exclusive of income from recapitalisation bonds in 1998-99 do not tally with those published in the Report on Trend and Progress of Banking in India 1998-99 due to a change in coverage.