(Amount in ` billion)

1

Balance Sheet Operations

1.1

Total Liabilities/Assets

71,834

82,994

19.2

15.5

1.2

Deposits

56,159

64,537

18.3

14.9

1.3

Borrowings

6,755

8,401

27.1

24.4

1.4

Loans and Advances

42,975

50,746

22.9

18.1

1.5

Investments

19,236

22,305

11.3

16.0

1.6

Off-balance Sheet Exposure (As percentage of On-balance Sheet Liabilities)

192.5

175.9

–

–

1.7

Total Consolidated International Claims

2,464

2,809

5.9

14.0

2

Profitability

2.1

Net Profit

703

817

23.2

16.1

2.2

Return on Asset (RoA) (Per cent)

1.10

1.08

–

–

2.3

Return on Equity (RoE) (Per cent)

14.96

14.60

–

–

2.4

Net Interest Margin (NIM) (Per cent)

2.91

2.90

–

–

3

Capital Adequacy

3.1

Capital to Risk Weighted Asset Ratio (CRAR) (under Basel I) (Per cent)

13.02

12.94

–

–

3.2

Capital to Risk Weighted Asset Ratio (CRAR) (under Basel II) (Per cent)

14.19

14.24

–

–

3.3

Tier I Capital (As percentage of Total Capital)

70.6

72.8

–

–

3.4

CRAR (Tier I) (Basel I) (Per cent)

9.2

9.4

–

–

3.5

CRAR (Tier I) (Basel II) (Per cent)

10.0

10.4

–

–

3.6

Leverage Ratio (Per cent)

6.61

6.83

–

–

4

Asset Quality

4.1

Gross NPAs

979

1,423

15.7

45.3

4.2

Net NPAs

417

649

7.7

55.6

4.3

Total Provisions made

540

747

25.0

38.3

4.4

Gross NPA Ratio (Gross NPAs as percentage of Gross Advances)

2.5

3.1

–

–

4.5

Net NPA Ratio (Net NPAs as percentage of Net Advances)

1.1

1.4

–

–

4.6

Provisioning Coverage Ratio (Per cent)

55.1

52.5

–

–

4.7

Slippage Ratio (Per cent)

2.03

2.51

–

–

4.8

Written-off Ratio (Per cent)

9.8

4.4

–

–

5

Sectoral Deployment of Bank Credit

5.1

Total Non-food Gross Bank Credit

36,674

42,897

20.6

17.0

5.2

Agriculture and Allied Activities

4,603

5,226

10.6

13.5

5.3

Industry

16,208

19,659

23.6

21.3

5.4

Services

9,008

10,330

23.9

14.7

5.5

Personal Loans

6,854

7,683

17.0

12.1

6

Technological Deployment

6.1

Number of Credit Cards (in million)

18.04

17.65

-1.6

-2.2

6.2

Number of Debit Cards (in million)

228

278

25.2

22.1

6.3

Number of ATMs

74,505

95,686

23.9

28.4

7

Customer Services*

7.1

Number of Complaints Received

76,638

77,507

0.9

1.1

7.2

Number of Complaints Addressed

72,021

72,885

-13.6

1.2

7.3

Percentage of Complaints Addressed

93.98

94.04

–

–

8

Financial Inclusion

8.1

Credit-Deposit (C-D) Ratio (Per cent)

76.5

78.6

–

–

8.2

Number of New Bank Branches Opened

5,314

6,918

2.3

30.2

8.3

Total Banking Outlets opened in Villages under Financial Inclusion Plan (FIP)

1,16,208

1,81,753

–

56.4

-: NA / Not Available. *Position as on end-June 2012.
Also, number of complaints received and addressed are inclusive of RRBs and co-operatives.
Note: Percentage variation could be slightly different as absolute numbers have been rounded off to ` billion.