(Amount in ₹ crore) |
Sr. No |
Items |
Amount Outstanding (At end-March) |
Percentage Variation |
2021 |
2022* |
2020-21 |
2021-22* |
1 |
2 |
3 |
4 |
5 |
6 |
1 |
Balance Sheet Operations |
|
|
|
|
|
1.1 Total Liabilities/assets |
1,95,78,895 |
2,16,67,655 |
8.7 |
10.7 |
|
1.2 Deposits |
1,55,80,325 |
1,71,82,709 |
11.5 |
10.3 |
|
1.3 Borrowings |
14,73,450 |
16,63,283 |
-13.1 |
12.9 |
|
1.4 Net Loans and advances |
1,08,06,381 |
1,22,08,009 |
4.9 |
13.0 |
|
1.5 Investments |
54,16,159 |
57,78,971 |
15.5 |
6.7 |
|
1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) |
118.8 |
132.8 |
- |
- |
|
1.7 Total consolidated international claims |
6,13,794 |
7,29,114 |
6.1 |
18.8 |
2.0 |
Profitability |
|
|
|
|
|
2.1 Net profit |
1,21,998 |
1,82,032 |
- |
- |
|
2.2 Return on Asset (RoA) (Per cent) |
0.7 |
0.9 |
- |
- |
|
2.3 Return on Equity (RoE) (Per cent) |
7.7 |
10.1 |
- |
- |
|
2.4 Net Interest Margin (NIM) (Per cent) |
2.9 |
2.9 |
- |
- |
3.0 |
Capital Adequacy |
|
|
|
|
|
3.1 Capital to risk weighted assets ratio (CRAR) @ |
16.3 |
16.8 |
- |
- |
|
3.2 Tier I capital (as percentage of total capital) @ |
86.8 |
87.5 |
- |
- |
|
3.3 CRAR (tier I) (Per cent) @ |
14.1 |
15.7 |
- |
- |
4.0 |
Asset Quality |
|
|
|
|
|
4.1 Gross NPAs |
8,35,138 |
7,43,653 |
-7.2 |
-11.0 |
|
4.2 Net NPAs |
2,58,050 |
2,04,226 |
-10.8 |
-20.9 |
|
4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) |
7.3 |
5.8 |
- |
- |
|
4.4 Net NPA ratio (Net NPAs as percentage of net advances) |
2.4 |
1.7 |
- |
- |
|
4.5 Provision Coverage Ratio (Per cent)** |
67.4 |
70.8 |
- |
- |
|
4.6 Slippage ratio (Per cent) ** |
2.8 |
2.1 |
- |
- |
5.0 |
Sectoral Deployment of Bank Credit |
|
|
|
|
|
5.1 Gross bank credit |
1,06,40,808 |
1,18,53,392 |
5.4 |
11.4 |
|
5.2 Agriculture |
13,84,815 |
15,16,303 |
11.7 |
9.5 |
|
5.3 Industry |
32,53,636 |
35,08,744 |
0.0 |
7.8 |
|
5.4 Services |
27,45,324 |
31,48,321 |
-0.3 |
14.7 |
|
5.5 Personal loans |
29,86,457 |
33,94,028 |
12.3 |
13.6 |
6.0 |
Technological Development |
|
|
|
|
|
6.1 Total number of credit cards (in lakhs) |
620 |
736 |
7.5 |
18.7 |
|
6.2 Total number of debit cards (in lakhs) |
8,982 |
9,177 |
8.4 |
2.2 |
|
6.3 Number of ATMs and CRMs |
2,38,588 |
2,49,228 |
1.8 |
4.5 |
7.0 |
Customer Services |
|
|
|
|
|
7.1 Total number of complaints received against banks during the year |
3,41,747 |
2,68,085# |
11.4 |
-21.6 |
|
7.2 Total number of complaints handled## during the year |
3,81,473 |
2,79,422^ |
16.0 |
-26.8 |
|
7.3 Total number of complaints addressed |
3,71,395 |
2,74,116*** |
21.5 |
-26.2 |
|
7.3 Percentage of complaints addressed |
97.4 |
98.1 |
- |
- |
8.0 |
Financial Inclusion |
|
|
|
|
|
8.1 Credit-deposit ratio (Per cent) |
69.4 |
71.1 |
- |
- |
|
8.2 Number of new bank branches opened |
3,089 |
3,232 |
-29.0 |
4.6 |
|
8.3 Number of banking outlets in villages (Total) |
12,48,079 |
22,74,236^^ |
108.3 |
82.2 |
Notes: 1. * : Provisional. 2. ** : Based on off-site returns. 3. @ : Figures are as per the Basel III framework. 4. Percentage variation could be slightly different as figures have been rounded off to lakh/crore. 5. # : Excludes complaints handled at CRPC. 6. ## : Complaints handled includes complaints received and complaints brought forward from previous year. 7. ^ : Includes complaints brought forward from previous year received by email before March 31, 2022 but registered on or after April 01, 2022. 8. *** : The status of complaints addressed is as on March 31, 2022. The complaints pending as on March 31, 2022 have since been addressed. 9. ^^ : There is a significant increase in data reported by few private sector banks. |
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