(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)

20,567.23

21,602.01

1,034.78

5.03

(100.00)

(100.00)

i)

Interest Income

15,633.01

16,421.42

788.41

5.04

(76.01)

(76.02)

of which: Interest on Advances

9,244.19

10,180.65

936.46

10.13

Income on Investments

5,520.13

5,391.69

-128.44

-2.33

ii)

Other Income *

4,934.22

5,180.59

246.37

4.99

(23.99)

(23.98)

of which: Commission & Brokerage

1,372.50

1,865.00

492.50

35.88

B.

Expenditure (i+ii+iii)

18,841.25

19,567.01

725.76

3.85

(100.00)

(100.00)

i)

Interest Expended

12,361.45

11,548.19

-813.26

-6.58

(65.61)

(59.02)

of which: Interest on Deposits

6,394.35

6,827.92

433.57

6.78

ii)

Provisions and Contingencies

2,706.15

2,977.74

271.59

10.04

(14.36)

(15.22)

of which: Provision for NPAs

1,908.58

1,457.80

-450.78

-23.62

iii)

Operating Expenses

3,773.65

5,041.08

1,267.43

33.59

(20.03)

(25.76)

of which: Wage Bill

828.76

1,178.41

349.65

42.19

C.

Profit

i)

Operating Profit

4,432.13

5,012.74

580.61

13.10

ii)

Net Profit

1,725.98

2,035.00

309.02

17.90

D.

Spread (Net Interest Income)

3,271.56

4,873.23

1,601.67

48.96

(Interest Income - Interest Expended)

E.

Total Assets

1,92,169.81

2,46,575.75

54,405.95

28.31