(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

1,51,031.88

1,72,373.94

21,342.06

14.13

(i+ii)

(100.00)

(100.00)

i)

Interest Income

1,26,957.71

1,40,717.65

13,759.94

10.84

(84.06)

(81.64)

of which: Interest on Advances

59,409.53

68,635.94

9,226.41

15.53

Income on Investments

57,286.43

62,358.59

5,072.16

8.85

ii)

Other Income

24,074.17

31,656.29*

7,582.12

31.49

(15.94)

(18.36)

of which: Commission & Brokerage

9,213.07

10,570.18

1,357.11

14.73

B.

Expenditure

1,39,455.82

1,55,296.87

15,841.05

11.36

(i+ii+iii)

(100.00)

(100.00)

i)

Interest Expended

87,516.25

93,606.70

6,090.45

6.96

(62.76)

(60.28)

of which: Interest on Deposits

80,924.74

82,642.54

1,717.80

2.12

ii)

Provisions and Contingencies

18,260.53

23,604.71

5,344.18

29.27

(13.09)

(15.20)

of which: Provisions for NPAs

10,456.65

12,677.47

2,220.82

21.24

iii)

Operating Expenses

33,679.04

38,085.46

4,406.42

13.08

(24.15)

(24.52)

of which : Wage Bill

21,785.42

23,613.25

1,827.83

8.39

C.

Profit

i)

Operating Profit

29,836.59

40,681.78

10,845.19

36.35

ii)

Net Profit

11,576.06

17,077.07 ^@

5,501.01

47.52

D.

Spread (Net Interest Income)

39,441.46

47,110.95

7,669.49

19.45

(Interest Income - Interest Expended)

E.

Total Assets

15,36,424.47

16,98,916.09

1,62,491.62

10.58

* Includes profit on sale of shares of ICICI Bank held by erstwhile ICICI.
@ Before Extra Ordinary Item of Standard Chartered Bank for Rs.6.5 crore, for the year 2002-03.
Note: Figures in brackets are percentage shares to the respective total.