Appendix Table IV.1 Indian Banking Sector at a Glance - ആർബിഐ - Reserve Bank of India
Appendix Table IV.1 Indian Banking Sector at a Glance
(Amount in ` billion) |
|||||
Sr. |
Item |
Amount Outstanding (As at end-March) |
Percentage Variation |
||
2012 |
2013 |
2011-12 |
2012-13 |
||
1 |
Balance Sheet Operations |
|
|
|
|
1.1 |
Total liabilities/assets |
83,209 |
95,733 |
15.8 |
15.1 |
1.2 |
Deposits |
64,535 |
74,295 |
14.9 |
15.1 |
1.3 |
Borrowings |
8,438 |
10,105 |
24.9 |
19.8 |
1.4 |
Loans and advances |
50,736 |
58,797 |
18.1 |
15.9 |
1.5 |
Investments |
22,339 |
26,133 |
16.1 |
17.0 |
1.6 |
Off-balance sheet exposure (as percentage of balance sheet liabilities) |
175.4 |
138.5 |
- |
- |
1.7 |
Total consolidated international claims |
2,809 |
3,312 |
14.0 |
17.9 |
2 |
Profitability |
|
|
|
|
2.1 |
Net profit |
817 |
912 |
16.1 |
11.6 |
2.2 |
Return on Asset (RoA) (Per cent) |
1.08 |
1.03 |
- |
- |
2.3 |
Return on Equity (RoE) (Per cent) |
14.60 |
13.84 |
- |
- |
2.4 |
Net Interest Margin (NIM) (Per cent) |
2.9 |
2.8 |
- |
- |
3 |
Capital Adequacy |
|
|
|
|
3.1 |
Capital to risk weighted assets ratio (CRAR) (under Basel I) (Per cent) |
12.9 |
12.8 |
- |
- |
3.2 |
Capital to risk weighted assets ratio (CRAR) (under Basel II) (Per cent) |
14.2 |
13.9 |
- |
- |
3.3 |
Tier I capital (as percentage of total capital) |
72.8 |
74.1 |
- |
- |
3.4 |
CRAR (Tier I) (Basel I) (Per cent) |
9.4 |
9.5 |
- |
- |
3.5 |
CRAR (Tier I) (Basel II) (Per cent) |
10.4 |
10.3 |
- |
- |
4 |
Asset Quality |
|
|
|
|
4.1 |
Gross NPAs |
1,429 |
1,940 |
46.0 |
35.8 |
4.2 |
Net NPAs |
652 |
986 |
56.4 |
51.2 |
4.3 |
Gross NPA ratio (Gross NPAs as percentage of gross advances) |
3.1 |
3.6 |
- |
- |
4.4 |
Net NPA ratio (Net NPAs as percentage of net advances) |
1.3 |
1.7 |
- |
- |
4.5 |
Provisioning Coverage Ratio (Per cent)** |
51.9 |
51.0 |
- |
- |
4.6 |
Slippage ratio (Per cent) |
2.5 |
2.7 |
- |
- |
5 |
Sectoral Deployment of Bank Credit |
|
|
|
|
5.1 |
Gross bank credit |
43,714 |
49,642 |
17.1 |
13.6 |
5.2 |
Agriculture |
5,484 |
5,899 |
14.1 |
7.6 |
5.3 |
Industry |
19,374 |
22,302 |
20.7 |
15.1 |
5.4 |
Services |
10,166 |
11,486 |
14.5 |
13.0 |
5.5 |
Personal loans |
7,873 |
9,009 |
13.4 |
14.4 |
6 |
Technological Development |
|
|
|
|
6.1 |
Total number of credit cards (in million) |
18 |
20 |
-2.2 |
10.2 |
6.2 |
Total number of debit cards (in million) |
278 |
331 |
22.1 |
19.0 |
6.3 |
Number of ATMs |
95,686 |
114,014 |
28.4 |
19.2 |
7 |
Customer Services* |
|
|
|
|
7.1 |
Total number of complaints received* |
72,889 |
70,541 |
-4.9 |
-3.2 |
7.2 |
Total number of complaints addressed* |
72,885 |
69,704 |
1.2 |
-4.4 |
7.3 |
Percentage of complaints addressed |
99.99 |
98.81 |
- |
- |
8 |
Financial Inclusion |
|
|
|
|
8.1 |
Credit-deposit ratio (Per cent) |
78.6 |
79.1 |
- |
- |
8.2 |
Number of new bank branches opened |
7,473 |
7,213 |
- |
- |
8.3 |
Number of villages covered under Financial Inclusion Plans (FIPs) |
1,81,753 |
2,68,454 |
56.4 |
48.0 |
Notes: 1. *Position as on end-June 2012. The number of complaints received and addressed are inclusive of RRBs and co-operatives. |