(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

12,964.01

12,043.59

-920.42

-7.10

(i+ii)

(100.00)

(100.00)

i)

Interest Income

9,699.65

8,972.19

-727.46

-7.50

(74.82)

(74.50)

of which: Interest on Advances

5,317.30

5,391.54

74.24

1.40

Income on Investments

3,669.81

3,141.09

-528.72

-14.41

ii)

Other Income

3,264.36

3,071.40

-192.96

-5.91

(25.18)

(25.50)

of which: Commission & Brokerage

1,269.23

1,382.46

113.23

8.92

B.

Expenditure

11,471.90

10,219.55

-1,252.35

-10.92

(i+ii+iii)

(100.00)

(100.00)

i)

Interest Expended

6,053.22

5,065.44

-987.78

-16.32

(52.77)

(49.57)

of which: Interest on Deposits

4,116.56

3,550.46

-566.10

-13.75

ii)

Provisions and Contingencies

2,021.50

1,903.81

-117.69

-5.82

(17.62)

(18.63)

of which: Provisions for NPAs

587.18

724.09

136.91

23.32

iii)

Operating Expenses

3,397.18

3,250.30

-146.88

-4.32

(29.61)

(31.80)

of which : Wage Bill

1,124.31

1,040.16

-84.15

-7.48

C.

Profit

i)

Operating Profit

3,513.61

3,727.85

214.24

6.10

ii)

Net Profit

1,492.11

1,824.04 *

331.93

22.25

D.

Spread (Net Interest Income)

3,646.43

3,906.75

260.32

7.14

(Interest Income - Interest Expended)

E.

Total Assets

1,13,320.92

1,16,401.08

3,080.16

2.72

* 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.