Appendix Table IV.1: Indian Banking Sector at a Glance - ആർബിഐ - Reserve Bank of India
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പ്രസിദ്ധീകരിച്ചത് ഡിസംബർ 26, 2024
Appendix Table IV.1: Indian Banking Sector at a Glance
| (Amount in ₹ crore) | |||||
| Sr. No | Items | Amount Outstanding (At end-March) | Percentage Variation | ||
| 2023 | 2024* | 2022-23 | 2023-24* | ||
| 1 | 2 | 3 | 4 | 5 | 6 |
| 1 | Balance Sheet Operations | ||||
| 1.1 Total Liabilities/assets | 2,43,18,429 | 2,80,80,550 | 12.2 | 15.5 | |
| 1.2 Deposits | 1,90,68,238 | 2,17,33,443 | 11.0 | 14.0 | |
| 1.3 Borrowings | 19,57,241 | 25,40,474 | 17.7 | 29.8 | |
| 1.4 Loans and advances | 1,43,19,353 | 1,71,42,340 | 17.4 | 19.7 | |
| 1.5 Investments | 64,36,540 | 72,70,365 | 11.4 | 13.0 | |
| 1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) | 144.8 | 138.6 | |||
| 1.7 Total consolidated international claims | 6,65,899 | 6,32,852 | -8.7 | -5.0 | |
| 2 | Profitability | ||||
| 2.1 Net profit | 2,63,214 | 3,49,603 | |||
| 2.2 Return on Asset (RoA) (Per cent) | 1.2 | 1.2 | |||
| 2.3 Return on Equity (RoE) (Per cent) | 12.3 | 13.4 | |||
| 2.4 Net Interest Margin (NIM) (Per cent) | 3.7 | 3.3 | |||
| 3 | Capital Adequacy | ||||
| 3.1 Capital to risk weighted assets ratio (CRAR) @ | 17.2 | 16.9 | |||
| 3.2 Tier 1 capital (as percentage of total capital) @ | 86.8 | 87.8 | |||
| 3.3 CRAR (Tier 1) (Per cent) @ | 15.0 | 14.8 | |||
| 4 | Asset Quality | ||||
| 4.1 Gross NPAs | 5,71,546 | 4,80,818 | -23.1 | -15.9 | |
| 4.2 Net NPAs | 1,35,320 | 1,06,732 | -33.7 | -21.1 | |
| 4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) | 3.9 | 2.8 | |||
| 4.4 Net NPA ratio (Net NPAs as percentage of net advances) | 0.9 | 0.6 | |||
| 4.5 Provision Coverage Ratio (Per cent)** | 74.9 | 76.6 | |||
| 4.6 Slippage ratio (Per cent) | 1.8 | 1.5 | |||
| 5 | Sectoral Deployment of Bank Credit | ||||
| 5.1 Gross bank credit | 1,36,75,235 | 1,64,32,164 | 15 | 20.2 | |
| 5.2 Agriculture | 17,26,410 | 20,71,251 | 15.4 | 20.0 | |
| 5.3 Industry | 33,66,406 | 36,52,804 | 5.8 | 8.5 | |
| 5.4 Services | 37,18,805 | 45,92,227 | 19.5 | 23.5 | |
| 5.5 Personal loans | 41,82,767 | 53,31,290 | 20.7 | 27.5 | |
| 6 | Technological Development | ||||
| 6.1 Total number of credit cards (in lakhs) | 853 | 1,018 | 15.9 | 19.3 | |
| 6.2 Total number of debit cards (in lakhs) | 9,613 | 9,649 | 4.8 | 0.4 | |
| 6.3 Number of ATMs and CRMs (in lakhs) | 2.59 | 2.58 | 2.7 | -0.3 | |
| 7 | Customer Services | ||||
| 7.1 Total number of complaints received during the year^ | 2,34,690 | 2,93,924 | -22.9 | 25.2 | |
| 7.2 Total number of complaints handled during the year ## | 2,45,391 | 2,99,022 | -22.7 | 21.9 | |
| Of 7.2 Total number of complaints addressed/disposed during the year | 2,40,453 | 2,84,355 | -22.7 | 18.3 | |
| Of 7.2 Percentage of complaints addressed/disposed during the year | 98 | 95 | |||
| 8 | Financial Inclusion | ||||
| 8.1 Credit-deposit ratio (Per cent) | 75.1 | 78.9 | |||
| 8.2 Number of new bank branches opened | 5,308 | 5,379 | 63.1 | 1.3 | |
| Notes: 1. * : Provisional. 2. ** : Based on off-site returns. 3. @ : Figures are as per the Basel III framework. 4. ^ : Excludes complaints closed at CRPC and those auto closed at the CMS Portal. 5. ## : Complaints handled includes complaints received during the year and the complaints brought forward from previous year. 6. Table includes the impact of the merger of a non-bank with a bank. 7. Percentage variation could be slightly different as figures have been rounded off to lakh/crore. |
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