Appendix Table IV.1: Indian Banking Sector at a Glance - ربی - Reserve Bank of India
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شائع کیا گیا پر ديسمبر 28, 2021
Appendix Table IV.1: Indian Banking Sector at a Glance
| (Amount in ₹ crore) | |||||
| Sr. No. | Items | Amount Outstanding (At end-March) | Percentage Variation | ||
| 2020 | 2021(P) | 2019-20 | 2020-21(P) | ||
| 1 | 2 | 3 | 4 | 5 | 6 |
| 1 | Balance Sheet Operations | ||||
| 1.1 Total Liabilities/Assets | 1,80,14,425 | 1,95,94,617 | 8.5 | 8.8 | |
| 1.2 Deposits | 1,39,75,045 | 1,55,90,600 | 8.4 | 11.6 | |
| 1.3 Borrowings | 16,96,120 | 14,74,890 | -0.8 | -13.0 | |
| 1.4 Net Loans and Advances | 1,03,01,897 | 1,08,20,208 | 6.5 | 5.0 | |
| 1.5 Investments | 46,89,842 | 54,19,866 | 8.5 | 15.6 | |
| 1.6 OBS Exposure (Credit Equivalent) to Total Assets (On-balance Sheet) | 125.6 | 118.7 | - | - | |
| 1.7 Total consolidated international claims | 5,78,412 | 6,13,794 | -8.1 | 6.1 | |
| 2 | Profitability | ||||
| 2.1 Net profit | 10,911 | 1,21,998 | - | - | |
| 2.2 Return on Assets (RoA) (Per cent) | 0.15 | 0.66 | - | - | |
| 2.3 Return on Equity (RoE) (Per cent) | 0.8 | 7.7 | - | - | |
| 2.4 Net Interest Margin (NIM) (Per cent) | 2.8 | 2.9 | - | - | |
| 3 | Capital Adequacy | ||||
| 3.1 Capital to risk weighted assets ratio (CRAR) @ | 14.8 | 16.3 | - | - | |
| 3.2 Tier I capital (as percentage of total capital) @ | 85.5 | 86.8 | - | - | |
| 3.3 CRAR (tier I) (Per cent) @ | 12.6 | 14.2 | - | - | |
| 4 | Asset Quality | ||||
| 4.1 Gross NPAs | 8,99,803 | 8,37,771 | -3.9 | -6.9 | |
| 4.2 Net NPAs | 2,89,370 | 2,58,228 | -18.5 | -10.8 | |
| 4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) | 8.2 | 7.3 | - | - | |
| 4.4 Net NPA ratio (Net NPAs as percentage of net advances) | 2.8 | 2.4 | - | - | |
| 4.5 Provision Coverage Ratio (Without Write-Off adj) (Per cent)* | 66.2 | 67.4 | - | - | |
| 4.6 Slippage ratio (Per cent)* | 3.8 | 2.8 | - | - | |
| 5 | Sectoral Deployment of Bank Credit | ||||
| 5.1 Gross bank credit | 1,00,98,420 | 1,06,40,811 | 6.0 | 5.4 | |
| 5.2 Agriculture | 12,39,575 | 13,84,815 | 1.8 | 11.7 | |
| 5.3 Industry | 32,52,801 | 32,53,636 | -1.2 | 0.0 | |
| 5.4 Services | 27,54,823 | 27,45,324 | 5.9 | -0.3 | |
| 5.5 Retail Loans | 26,59,249 | 29,86,461 | 15.4 | 12.3 | |
| 6 | Technological Development | ||||
| 6.1 Total number of credit cards (in lakhs) | 577 | 620 | 22.6 | 7.5 | |
| 6.2 Total number of debit cards (in lakhs) | 8,286 | 8,982 | -8.5 | 8.4 | |
| 6.3 Number of ATMs | 2,10,760 | 2,13,575 | 4.2 | 1.3 | |
| 7 | Customer Services | ||||
| 7.1 Total number of complaints received during the year | 3,06,704 | 3,41,747 | 66.0 | 11.4 | |
| 7.2 Total number of complaints handled during the year | 3,28,972 | 3,81,473# | 60.6 | 15.9 | |
| 7.3 Total number of complaints addressed | 3,05,592 | 3,71,395 | 67.4 | 21.5 | |
| 7.4 Percentage of complaints addressed | 92.9 | 97.4 | - | - | |
| 8 | Financial Inclusion | ||||
| 8.1 Credit-deposit ratio (Per cent) | 73.7 | 69.4 | - | - | |
| 8.2 Number of new bank branches opened | 4,334 | 3,064 | 9.3 | -29.3 | |
| 8.3 Number of banking outlets in villages (Total) | 5,99,217 | 12,48,079^ | 0.4 | 108.3 | |
| Notes: 1. P: Provisional. 2. @Figures are as per the Basel III framework. 3. ^: Significant increase in numbers is due to reclassification done by banks. 4. *: Based on off-site returns. 5. Percentage variations could be slightly different as figures have been rounded off to lakh/crore. 6. # Includes complaints brought forward from the previous year, complaints received as e-mail before March 31, 2020 but registered as complaints after April 01, 2020 and complaints transferred from CEPCs on or later than April 01, 2020. |
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