|
| |
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. crore)
|
|
Year
|
Operating
|
Net
|
Income
|
Interest
|
Other
|
Expenditure
|
Interest
|
Operating Expenses
|
Provisions
|
Spread
|
| |
Profit
|
Profit
|
(5+6)
|
Income
|
Income
|
(8+9+11)
|
Expended
|
|
|
|
and Contin-
|
(NII)
|
| |
|
|
|
|
|
|
|
Total
|
Of
|
which:
|
|
|
| |
(3+11)
|
(4-7)
|
|
|
|
|
|
|
|
|
gencies
|
|
| |
|
|
|
|
|
|
|
|
Wage Bill
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
9
|
|
10
|
11
|
12
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Scheduled Commercial Banks
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2002-03
|
40,681.94
|
17,077.22
|
1,72,345.02
|
1,40,742.48
|
31,602.54
|
1,55,267.80
|
93,596.27
|
38,066.81
|
23,610.14
|
23,604.72
|
47,146.21
|
| |
(2.39)
|
(1.01)
|
(10.14)
|
(8.28)
|
(1.86)
|
(9.14)
|
(5.51)
|
(2.24)
|
|
(1.39)
|
(1.39)
|
(2.77)
|
|
2003-04
|
52,600.22
|
22,270.94
|
1,83,872.12
|
1,44,346.81
|
39,525.31
|
1,61,601.18
|
87,562.75
|
43,709.15
|
26,359.53
|
30,329.28
|
56,784.06
|
| |
(2.66)
|
(1.13)
|
(9.31)
|
(7.31)
|
(2.00)
|
(8.19)
|
(4.44)
|
(2.21)
|
|
(1.34)
|
(1.54)
|
(2.88)
|
|
2004-05
|
51,684.02
|
21,320.16
|
1,93,268.88
|
1,58,438.26
|
34,830.62
|
1,71,948.72
|
91,537.00
|
50,047.86
|
29,032.26
|
30,363.86
|
66,901.26
|
| |
(2.20)
|
(0.91)
|
(8.21)
|
(6.73)
|
(1.48)
|
(7.30)
|
(3.89)
|
(2.13)
|
|
(1.23)
|
(1.29)
|
(2.84)
|
|
2004-05#
|
50,962.00
|
20,705.66
|
1,86,703.20
|
1,53,126.82
|
33,576.38
|
1,65,997.54
|
86,601.26
|
49,139.94
|
28,733.58
|
30,256.34
|
66,525.56
|
| |
(2.24)
|
(0.91)
|
(8.22)
|
(6.74)
|
(1.48)
|
(7.30)
|
(3.81)
|
(2.16)
|
|
(1.26)
|
(1.33)
|
(2.93)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Public Sector Banks
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2002-03
|
29,717.24
|
12,295.46
|
1,28,464.38
|
1,07,232.05
|
21,232.33
|
1,16,168.92
|
69,852.59
|
28,894.55
|
20,444.88
|
17,421.78
|
37,379.46
|
| |
(2.31)
|
(0.96)
|
(9.99)
|
(8.34)
|
(1.65)
|
(9.04)
|
(5.43)
|
(2.25)
|
|
(1.59)
|
(1.36)
|
(2.91)
|
|
2003-04
|
39,290.10
|
16,546.38
|
1,37,587.31
|
1,09,547.35
|
28,039.96
|
1,21,040.93
|
65,764.53
|
32,532.68
|
22,581.23
|
22,743.72
|
43,782.82
|
| |
(2.67)
|
(1.12)
|
(9.35)
|
(7.45)
|
(1.91)
|
(8.23)
|
(4.47)
|
(2.21)
|
|
(1.54)
|
(1.55)
|
(2.98)
|
|
2004-05
|
39,413.18
|
15,784.40
|
1,47,626.25
|
1,23,001.99
|
24,624.26
|
1,31,841.85
|
71,223.85
|
36,989.22
|
24,742.61
|
23,628.78
|
51,778.14
|
| |
(2.22)
|
(0.89)
|
(8.32)
|
(6.93)
|
(1.39)
|
(7.43)
|
(4.02)
|
(2.09)
|
|
(1.39)
|
(1.33)
|
(2.92)
|
|
2004-05 #
|
38,691.16
|
15,169.90
|
1,41,060.57
|
1,17,690.55
|
23,370.02
|
1,25,890.67
|
66,288.11
|
36,081.30
|
24,443.93
|
23,521.26
|
51,402.44
|
| |
(2.29)
|
(0.90)
|
(8.33)
|
(6.95)
|
(1.38)
|
(7.44)
|
(3.92)
|
(2.13)
|
|
(1.44)
|
(1.39)
|
(3.04)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Nationalised Banks
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2002-03
|
18,486.13
|
7,783.94
|
79,597.73
|
66,368.04
|
13,229.69
|
71,813.79
|
42,645.95
|
18,465.65
|
13,062.10
|
10,702.19
|
23,722.09
|
| |
(2.34)
|
(0.98)
|
(10.06)
|
(8.39)
|
(1.67)
|
(9.08)
|
(5.39)
|
(2.33)
|
|
(1.65)
|
(1.35)
|
(3.00)
|
|
2003-04
|
24,926.58
|
10,927.66
|
85,712.04
|
68,590.96
|
17,121.08
|
74,784.38
|
40,369.38
|
20,416.08
|
14,262.25
|
13,998.92
|
28,221.58
|
| |
(2.70)
|
(1.19)
|
(9.30)
|
(7.44)
|
(1.86)
|
(8.11)
|
(4.38)
|
(2.21)
|
|
(1.55)
|
(1.52)
|
(3.06)
|
|
2004-05
|
23,431.01
|
9,494.04
|
87,548.03
|
73,645.20
|
13,902.83
|
78,053.99
|
41,446.03
|
22,670.99
|
15,434.50
|
13,936.97
|
32,199.17
|
| |
(2.20)
|
(0.89)
|
(8.22)
|
(6.91)
|
(1.30)
|
(7.33)
|
(3.89)
|
(2.13)
|
|
(1.45)
|
(1.31)
|
(3.02)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
State Bank Group
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2002-03
|
11,231.11
|
4,511.52
|
48,866.65
|
40,864.01
|
8,002.64
|
44,355.13
|
27,206.64
|
10,428.90
|
7,382.78
|
6,719.59
|
13,657.37
|
| |
(2.27)
|
(0.91)
|
(9.88)
|
(8.26)
|
(1.62)
|
(8.97)
|
(5.50)
|
(2.11)
|
|
(1.49)
|
(1.36)
|
(2.76)
|
|
2003-04
|
14,363.52
|
5,618.72
|
51,875.27
|
40,956.39
|
10,918.88
|
46,256.55
|
25,395.15
|
12,116.60
|
8,318.98
|
8,744.80
|
15,561.24
|
| |
(2.62)
|
(1.02)
|
(9.45)
|
(7.46)
|
(1.99)
|
(8.42)
|
(4.62)
|
(2.21)
|
|
(1.51)
|
(1.59)
|
(2.83)
|
|
2004-05
|
15,260.15
|
5,675.86
|
53,512.54
|
44,045.35
|
9,467.19
|
47,836.68
|
24,842.08
|
13,410.31
|
9,009.43
|
9,584.29
|
19,203.27
|
| |
(2.43)
|
(0.91)
|
(8.53)
|
(7.02)
|
(1.51)
|
(7.63)
|
(3.96)
|
(2.14)
|
|
(1.44)
|
(1.53)
|
(3.06)
|
| |
|
|
|
|
|
|
|
|
|
|
(Amount in Rs. crore)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Year
|
Operating
|
Net
|
Income
|
Interest
|
Other
|
Expenditure
|
Interest
|
Operating Expenses
|
Provisions
|
Spread
|
| |
Profit
|
Profit
|
(5+6)
|
Income
|
Income
|
(8+9+11)
|
Expended
|
|
|
|
and Contin-
|
(NII)
|
| |
|
|
|
|
|
|
|
Total
|
Of
|
which:
|
|
|
| |
(3+11)
|
(4-7)
|
|
|
|
|
|
|
|
|
gencies
|
|
| |
|
|
|
|
|
|
|
|
Wage Bill
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
9
|
|
10
|
11
|
12
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Other Public Sector Bank
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2004-05
|
722.02
|
614.50
|
6,565.68
|
5,311.44
|
1,254.24
|
5,951.18
|
4,935.74
|
907.92
|
|
298.68
|
107.52
|
375.70
|
| |
(0.89)
|
(0.76)
|
(8.07)
|
(6.53)
|
(1.54)
|
(7.31)
|
(6.07)
|
(1.12)
|
|
(0.37)
|
(0.13)
|
(0.46)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Old Private Sector Banks
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2002-03
|
2,804.43
|
1,231.74
|
11,278.83
|
8,919.79
|
2,359.04
|
10,047.09
|
6,327.22
|
2,147.18
|
1,297.85
|
1,572.69
|
2,592.57
|
| |
(2.67)
|
(1.17)
|
(10.75)
|
(8.50)
|
(2.25)
|
(9.57)
|
(6.03)
|
(2.05)
|
|
(1.24)
|
(1.50)
|
(2.47)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2003-04
|
3,191.66
|
1,446.48
|
11,555.03
|
9,120.90
|
2,434.13
|
10,108.55
|
5,981.88
|
2,381.49
|
1,400.22
|
1,745.18
|
3,139.02
|
| |
(2.64)
|
(1.20)
|
(9.57)
|
(7.56)
|
(2.02)
|
(8.37)
|
(4.96)
|
(1.97)
|
|
(1.16)
|
(1.45)
|
(2.60)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2004-05
|
2,238.94
|
435.81
|
10,508.96
|
9,275.29
|
1,233.67
|
10,073.15
|
5,672.84
|
2,597.18
|
1,460.96
|
1,803.13
|
3,602.45
|
| |
(1.70)
|
(0.33)
|
(8.00)
|
(7.06)
|
(0.94)
|
(7.67)
|
(4.32)
|
(1.98)
|
|
(1.11)
|
(1.37)
|
(2.74)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
New Private Sector Banks
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2002-03
|
4,432.13
|
1,725.98
|
20,567.23
|
15,633.01
|
4,934.22
|
18,841.25
|
12,361.45
|
3,773.65
|
|
828.76
|
2,706.15
|
3,271.56
|
| |
(2.31)
|
(0.90)
|
(10.70)
|
(8.13)
|
(2.57)
|
(9.80)
|
(6.43)
|
(1.96)
|
|
(0.43)
|
(1.41)
|
(1.70)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2003-04
|
5,132.93
|
2,035.01
|
21,721.43
|
16,541.52
|
5,179.91
|
19,686.42
|
11,547.82
|
5,040.68
|
1,178.41
|
3,097.92
|
4,993.70
|
| |
(2.08)
|
(0.83)
|
(8.81)
|
(6.71)
|
(2.10)
|
(7.98)
|
(4.68)
|
(2.04)
|
|
(0.48)
|
(1.26)
|
(2.03)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2004-05
|
5,434.64
|
3,097.56
|
22,099.23
|
16,990.13
|
5,109.10
|
19,001.67
|
10,600.40
|
6,064.19
|
1,483.39
|
2,337.08
|
6,389.73
|
| |
(1.85)
|
(1.05)
|
(7.51)
|
(5.77)
|
(1.74)
|
(6.45)
|
(3.60)
|
(2.06)
|
|
(0.50)
|
(0.79)
|
(2.17)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Foreign Banks
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2002-03
|
3,728.14
|
1,824.04
|
12,034.58
|
8,957.63
|
3,076.95
|
10,210.54
|
5,055.01
|
3,251.43
|
1,038.65
|
1,904.10
|
3,902.62
|
| |
(3.20)
|
(1.56)
|
(10.32)
|
(7.68)
|
(2.64)
|
(8.75)
|
(4.33)
|
(2.79)
|
|
(0.89)
|
(1.63)
|
(3.35)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2003-04
|
4,985.53
|
2,243.07
|
13,008.35
|
9,137.04
|
3,871.31
|
10,765.28
|
4,268.52
|
3,754.30
|
1,199.67
|
2,742.46
|
4,868.52
|
| |
(3.68)
|
(1.65)
|
(9.59)
|
(6.74)
|
(2.85)
|
(7.94)
|
(3.15)
|
(2.77)
|
|
(0.88)
|
(2.02)
|
(3.59)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
2004-05
|
4,597.26
|
2,002.39
|
13,034.44
|
9,170.85
|
3,863.59
|
11,032.05
|
4,039.91
|
4,397.27
|
1,345.30
|
2,594.87
|
5,130.94
|
| |
(2.98)
|
(1.30)
|
(8.46)
|
(5.95)
|
(2.51)
|
(7.16)
|
(2.62)
|
(2.85)
|
|
(0.87)
|
(1.68)
|
(3.33)
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
# : Excluding the impact of conversion of a non-banking entity into a
banking entity.
Note: 1. The number of scheduled commercial banks in 2002-03, 2003-04
and 2004-05 were 93, 90 and 88, respectively.
2. The number of old private banks in 2002-03, 2003-04 and 2004-05 were
21, 20 and 20, respectively.
3. The number of new private banks in 2002-03, 2003-04 and 2004-05 were
9, 10 and 9, respectively.
4. The number of foreign banks in 2002-03, 2003-04 and 2004-05 were 36,
33 and 31, respectively.
5. Figures in brackets are percentages to total assets.
6. NII – Net Interest Income.
7. Scheduled commercial banks data for 2003-04 are as reported in the
balance sheets for 2004-05 and hence may not
tally with those reported in the Report on Trend and Progress of Banking
in India, 2003 04 , to the extent the figures for
2003-04 were revised by some banks.
Source: Balance sheets of respective banks.
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