|
|
| |
|
|
|
|
(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)
|
79,597.73
|
85,712.03
|
6,114.30
|
7.68
|
| |
|
|
(100.00)
|
(100.00)
|
|
|
| |
i)
|
Interest Income
|
66,368.04
|
68,539.86
|
2,171.82
|
3.27
|
| |
|
|
(83.38)
|
(79.97)
|
|
|
| |
|
of which: Interest
on Advances
|
33,134.49
|
33,684.10
|
549.61
|
1.66
|
| |
|
Income on Investments
|
30,148.18
|
32,268.55
|
2,120.37
|
7.03
|
| |
ia)
|
Interest on Recapitalisation Bonds
|
1,855.72
|
1,855.72
|
|
|
| |
ii)
|
Other Income
|
13,229.69
|
17,172.17
|
3,942.48
|
29.80
|
| |
|
|
(16.62)
|
(20.03)
|
|
|
| |
|
of which: Commission
& Brokerage
|
3,336.17
|
3,604.78
|
268.61
|
8.05
|
|
B.
|
Expenditure (i+ii+iii)
|
71,813.79
|
74,784.38
|
2,970.59
|
4.14
|
| |
|
|
(100.00)
|
(100.00)
|
|
|
| |
i)
|
Interest Expended
|
42,645.95
|
40,369.38
|
-2,276.57
|
-5.34
|
| |
|
|
(59.38)
|
(53.98)
|
|
|
| |
|
of which: Interest
on Deposits
|
40,556.74
|
38,185.77
|
-2,370.97
|
-5.85
|
| |
ii)
|
Provisions and Contingencies
|
10,702.19
|
14,183.55
|
3,481.36
|
32.53
|
| |
|
|
(14.90)
|
(18.97)
|
|
|
| |
|
of which: Provision
for NPAs
|
5,762.92
|
8,988.97
|
3,226.05
|
55.98
|
| |
iii)
|
Operating Expenses
|
18,465.65
|
20,231.45
|
1,765.80
|
9.56
|
| |
|
|
(25.71)
|
(27.05)
|
|
|
| |
|
of which: Wage
Bill
|
13,062.10
|
14,068.36
|
1,006.26
|
7.70
|
|
C.
|
Profit
|
|
|
|
|
| |
i)
|
Operating Profit
|
18,486.13
|
25,111.20
|
6,625.07
|
35.84
|
| |
ia)
|
Operating Profit (exclusive of income
|
|
|
|
|
| |
|
from recapitalisation bonds)
|
16,630.41
|
23,255.48
|
6,625.07
|
39.84
|
| |
ii)
|
Net Profit
|
7,783.94
|
10,927.65
|
3,143.71
|
40.39
|
| |
iia)
|
Net Profit (exclusive of income
|
|
|
|
|
| |
|
from recapitalisation bonds)
|
5,928.22
|
9,071.93
|
3,143.71
|
53.03
|
|
D.
|
Spread (Net Interest Income)
|
23,722.09
|
28,170.48
|
4,448.39
|
18.75
|
| |
(Interest Income - Interest Expended)
|
|
|
|
|
|
E.
|
Total Assets
|
7,90,939.05
|
9,22,170.57
|
1,31,231.52
|
16.59
|
|
Note: Figures in brackets are percentage shares to the respective total.
|
|