(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)

29,349.41

34,014.58

4,665.17

15.90

(100.00)

(100.00)

i)

Interest Income

25,126.15

29,186.67

4,060.52

16.16

(85.61)

(85.81)

ii)

Other Income

4,223.26

4,827.91

604.65

14.32

(14.39)

(14.19)

B. Expenditure (i+ii+iii)

27,883.75

31,337.71

3,453.96

12.39

(100.00)

(100.00)

i)

Interest Expended

16,982.84

19,897.06

2,914.22

17.16

(60.91)

(63.49)

ii)

Provisions and Contingencies

3,182.40

3,162.28

-20.12

-0.63

(11.41)

(10.09)

iii)

Operating Expenses

7,718.51

8,278.37

559.86

7.25

(27.68)

(26.42)

of which : Wage Bill

5,492.87

5,926.39

433.52

7.89

(19.70)

(18.91)

C. Profit

i)

Operating Profit

4,648.06

5,839.15

1,191.09

25.63

ii)

Net Profit

1,465.66

2,676.87

1,211.21

82.64

D. Total Assets

2,85,834.72

3,36,326.55

50,491.83

17.66

E. Financial Ratios (per cent) $

i)

Operating Profit

1.63

1.74

0.11

—

ii)

Net Profit

0.51

0.80

0.29

—

iii)

Income

10.27

10.11

-0.16

—

iv)

Interest Income

8.79

8.68

-0.11

—

v)

Other Income

1.48

1.44

-0.04

—

vi)

Expenditure

9.76

9.32

-0.44

—

vii)

Interest Expended

5.94

5.92

-0.02

—

viii)

Operating Expenses

2.70

2.46

-0.24

—

ix)

Wage Bill

1.92

1.76

-0.16

—

x)

Provisions and Contingencies

1.11

0.94

-0.17

—

xi)

Spread (Net Interest Income)

2.85

2.76

-0.09

—

Notes: 1. $ Ratios to Total Assets.

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