(Amount in Rs. crore)

Item

2003-04

2004-05

Variation

Absolute

Percentage

1

2

3

4

5

A.

Income (i+ii)

1,37,587.31

1,41,060.57

3,473.26

2.52

(100.00)

(100.00)

i)

Interest Income

1,09,547.35

1,17,690.55

8,143.20

7.43

(79.62)

(83.43)

of which:

Interest on Advances

49,934.15

57,037.26

7,103.11

14.22

Income on Investments

53,207.89

53,986.86

778.97

1.46

ii)

Other Income

28,039.96

23,370.02

-4,669.94

-16.65

(20.38)

(16.57)

of which:

Commission and Brokerage

7,822.13

8,882.96

1,060.83

13.56

B.

Expenditure (i+ii+iii)

1,21,040.93

1,25,890.67

4,849.74

4.01

(100.00)

(100.00)

i)

Interest Expended

65,764.53

66,288.11

523.58

0.80

(54.33)

(52.66)

of which:

Interest on Deposits

62,272.57

62,227.77

-44.80

-0.07

ii)

Provisions and Contingencies

22,743.72

23,521.26

777.54

3.42

(18.79)

(18.68)

of which:

Provision for NPAs

14189.10

5,853.63

-8,335.47

-58.75

iii)

Operating Expenses

32,532.68

36,081.30

3,548.62

10.91

(26.88)

(28.66)

of which :

Wage Bill

22,581.23

24,443.93

1,862.70

8.25

C.

Profit

i)

Operating Profit

39,290.10

38,691.16

-598.94

-1.52

ii)

Net Profit

16,546.38

15,169.90

-1,376.48

-8.32

D.

Net Interest Income/Margin

43,782.82

51,402.44

7,619.62

17.40

E.

Total Assets

14,71,077.38

16,92,578.55

2,21,501.17

15.06