Appendix Table IV.1 : Indian Banking Sector at a Glance - ربی - Reserve Bank of India
Appendix Table IV.1 : Indian Banking Sector at a Glance
(Amount in ` billion) |
|||||
Sr. |
Items |
Amount Outstanding |
Percentage Variation |
||
2011 |
2012 |
2010-11 |
2011-12 |
||
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. |