| (Amount in ₹ crore) |
| Sr. No |
Items |
Amount Outstanding / Ratio / Number
(At end-March) |
Per cent Variation |
| 2018 |
2019* |
2017-18 |
2018-19* |
| 1 |
2 |
3 |
4 |
5 |
6 |
| 1 |
Balance Sheet Operations |
|
|
|
|
| 1.1 |
Total Liabilities/assets |
1,52,55,033 |
1,66,01,224 |
7.6 |
8.8 |
| 1.2 |
Deposits |
1,17,94,005 |
1,28,87,262 |
6.1 |
9.3 |
| 1.3 |
Borrowings |
16,82,309 |
17,09,670 |
31.4 |
1.6 |
| 1.4 |
Loans and advances |
87,45,997 |
97,09,829 |
7.8 |
11.0 |
| 1.5 |
Investments |
41,26,237 |
43,20,270 |
13.0 |
4.7 |
| 1.6 |
Off-balance sheet exposure (as percentage of on-balance sheet liabilities) |
113.5 |
122.7 |
- |
- |
| 1.7 |
Total consolidated international claims |
6,38,094 |
7,42,338 |
-11.0 |
16.3 |
| 2 |
Profitability |
|
|
|
|
| 2.1 |
Net profit |
-32,438 |
-23,397 |
- |
- |
| 2.2 |
Return on Asset (RoA) (Per cent) |
-0.15 |
-0.09 |
- |
- |
| 2.3 |
Return on Equity (RoE) (Per cent) |
-2.81 |
-1.85 |
- |
- |
| 2.4 |
Net Interest Margin (NIM) (Per cent) |
2.5 |
2.7 |
- |
- |
| 3 |
Capital Adequacy |
|
|
|
|
| 3.1 |
Capital to risk weighted assets ratio (CRAR) @** |
13.8 |
14.3 |
- |
- |
| 3.2 |
Tier I capital (as percentage of total capital) @** |
84.3 |
85.5 |
- |
- |
| 3.3 |
CRAR (tier I) (Per cent) @** |
11.7 |
12.2 |
- |
- |
| 4 |
Asset Quality |
|
|
|
|
| 4.1 |
Gross NPAs |
10,39,679 |
9,36,474 |
31.3 |
-9.9 |
| 4.2 |
Net NPAs |
5,20,838 |
3,55,076 |
20.3 |
-31.8 |
| 4.3 |
Gross NPA ratio (Gross NPAs as percentage of gross advances) |
11.2 |
9.1 |
- |
- |
| 4.4 |
Net NPA ratio (Net NPAs as percentage of net advances) |
6.0 |
3.7 |
- |
- |
| 4.5 |
Provision Coverage Ratio (Per cent)** |
48.3 |
60.5 |
- |
- |
| 4.6 |
Slippage ratio (Per cent)** |
7.6 |
4.0 |
- |
- |
| 5 |
Sectoral Deployment of Bank Credit |
|
|
|
|
| 5.1 |
Gross bank credit** |
83,99,196 |
95,19,554 |
10.4 |
13.3 |
| 5.2 |
Agriculture** |
11,93,400 |
13,25,824 |
7.2 |
11.1 |
| 5.3 |
Industry** |
31,29,512 |
33,04,940 |
6.2 |
5.6 |
| 5.4 |
Services** |
19,98,817 |
24,77,517 |
10.6 |
23.9 |
| 5.5 |
Retail loans** |
19,42,501 |
23,02,173 |
20.5 |
18.5 |
| 6 |
Technological Development# |
|
|
|
|
| 6.1 |
Total number of credit cards (in lakhs) |
375 |
471 |
25.6 |
25.6 |
| 6.2 |
Total number of debit cards (in lakhs) |
8,611 |
8,582 |
11.6 |
-0.3 |
| 6.3 |
Number of ATMs |
2,07,052 |
2,02,072 |
-0.6 |
-2.4 |
| 7 |
Customer Services |
|
|
|
|
| 7.1 |
Total number of complaints received during the year |
1,63,590 |
1,95,901 |
24.9 |
19.8 |
| 7.2 |
Total number of complaints addressed |
1,74,805 |
2,02,083 |
28.1 |
15.6 |
| 7.3 |
Percentage of complaints addressed |
96.5 |
94.0 |
- |
- |
| 8 |
Financial Inclusion |
|
|
|
|
| 8.1 |
Credit-deposit ratio (Per cent) |
74.2 |
75.3 |
- |
- |
| 8.2 |
Number of new bank branches opened |
3,938 |
4,518 |
-26.5 |
14.7 |
| 8.3 |
Number of banking outlets in villages (Total) |
5,69,547 |
5,97,155 |
-4.8 |
4.8 |
Notes : 1. * : Provisional.
2. ** : Based on off-site returns (Domestic Operations). @Figures are as per the Basel III framework.
3. Percentage variation could be slightly different as figures have been rounded off to lakh/crore.
4. # : Data on credit cards, debit cards and ATMs for March 2019 include 8 scheduled SFBs as at end-March 2019. |
|
