| (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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