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Appendix Table V.1 Indian Banking Sector at a Glance

(Amount in ₹ billion)
Sr.
No
Items Amount Outstanding
(As at end-March)
Percentage Variation
2016 2017* 2015-16 2016-17*
1 Balance Sheet Operations        
1.1 Total liabilities/assets 131,293 141,586 9.1 7.8
1.2 Deposits 100,927 111,139 7.0 10.1
1.3 Borrowings 14,488 12,807 26 -11.6
1.4 Loans and advances 78,965 81,162 6.9 2.8
1.5 Investments 33,278 36,522 11.8 9.7
1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) 111 107 - -
1.7 Total consolidated international claims 5,774 7,168 42.5 24.2
2 Profitability        
2.1 Net profit 341 439 -61.7 28.6
2.2 Return on Asset (RoA) (Per cent) 0.4 0.35 - -
2.3 Return on Equity (RoE) (Per cent) 3.58 4.16 - -
2.4 Net Interest Margin (NIM) (Per cent) 2.6 2.5 - -
3 Capital Adequacy        
3.1 Capital to risk weighted assets ratio (CRAR) @ 13.3 13.6 - -
3.2 Tier I capital (as percentage of total capital) @ 81.2 82.1 - -
3.3 CRAR (tier I) (Per cent) @ 10.8 11.2 - -
4 Asset Quality        
4.1 Gross NPAs 6,119 7,918 89.3 29.4
4.2 Net NPAs 3,498 4,331 98.9 23.8
4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) 7.5 9.3 - -
4.4 Net NPA ratio (Net NPAs as percentage of net advances) 4.4 5.3 - -
4.5 Provision Coverage Ratio (Per cent)** 41.9 43.5 - -
4.6 Slippage ratio (Per cent) 6.3 5.7 - -
5 Sectoral Deployment of Bank Credit        
5.1 Gross bank credit 66,500 71,347 9.0 7.3
5.2 Agriculture 8,829 9,924 15.3 12.4
5.3 Industry 27,307 26,800 2.7 -1.9
5.4 Services 15,411 18,022 9.1 16.9
5.5 Personal loans 13,922 16,200 19.4 16.4
6 Technological Development        
6.1 Total number of credit cards (in million) 25 30 16.1 21.8
6.2 Total number of debit cards (in million) 662 772 19.6 16.6
6.3 Number of ATMs 198,952 208,354 12 4.9
7 Customer Services        
7.1 Total number of complaints received during the year 102,894 130,987 20.9 27.3
7.2 Total number of complaints addressed 101,153 125,345 19.5 23.9
7.3 Percentage of complaints addressed 94.8 92 - -
8 Financial Inclusion        
8.1 Credit-deposit ratio (Per cent) 78.2 73.03 - -
8.2 Number of new bank branches opened 6,986 4,830 -20.0 -30.9
8.3 Number of banking outlets in villages (Total) 586,307 598,093 5.9 2.0
*: Provisional **: Based on off-site returns and without write-off adjusted. @: Figures are as per the Basel III framework
Notes:
1. Percentage variation could be slightly different as figures have been rounded off to million/billion.
2. Data on sectoral deployment of bank credit pertains to last reporting Friday of March.

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