| (Amount in ₹ crore) |
| Sr. No |
Items |
Amount Outstanding (As at end-March) |
Percentage Variation |
| 2019 |
2020 (P) |
2018-19 |
2019-20 |
| 1 |
2 |
3 |
4 |
5 |
6 |
| 1 |
Balance Sheet Operations |
|
|
|
|
| |
1.1 Total Liabilities/assets |
1,66,01,045 |
1,80,14,875 |
8.8 |
8.5 |
| |
1.2 Deposits |
1,28,86,643 |
1,39,75,095 |
9.3 |
8.4 |
| |
1.3 Borrowings |
17,09,670 |
16,96,046 |
1.6 |
-0.8 |
| |
1.4 Loans and advances |
96,76,183 |
1,03,01,914 |
10.6 |
6.5 |
| |
1.5 Investments |
43,22,464 |
46,89,842 |
4.8 |
8.5 |
| |
1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) |
122.8 |
125.3 |
- |
- |
| |
1.7 Total consolidated international claims |
6,29,621 |
5,78,412 |
-1.3 |
-8.1 |
| 2 |
Profitability |
|
|
|
|
| |
2.1 Net profit |
-23,397 |
10,911 |
- |
- |
| |
2.2 Return on Asset (RoA) (Per cent) |
-0.09 |
0.15 |
- |
- |
| |
2.3 Return on Equity (RoE) (Per cent) |
-1.9 |
0.8 |
- |
- |
| |
2.4 Net Interest Margin (NIM) (Per cent) |
2.7 |
2.8 |
- |
- |
| 3 |
Capital Adequacy |
|
|
|
|
| |
3.1 Capital to risk weighted assets ratio (CRAR) @ |
14.3 |
14.7 |
- |
- |
| |
3.2 Tier I capital (as percentage of total capital) @ |
85.5 |
85.5 |
- |
- |
| |
3.3 CRAR (tier I) (Per cent) @ |
12.2 |
12.6 |
- |
- |
| 4 |
Asset Quality |
|
|
|
|
| |
4.1 Gross NPAs |
9,36,474 |
8,99,803 |
-9.9 |
-3.9 |
| |
4.2 Net NPAs |
3,55,068 |
2,89,531 |
-31.8 |
-18.5 |
| |
4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) |
9.1 |
8.2 |
- |
- |
| |
4.4 Net NPA ratio (Net NPAs as percentage of net advances) |
3.7 |
2.8 |
- |
- |
| |
4.5 Provision Coverage Ratio (not write-off adjusted) (Per cent)** |
60.5 |
66.2 |
- |
- |
| |
4.6 Slippage ratio (Per cent) |
4.0 |
3.8 |
- |
- |
| 5 |
Sectoral Deployment of Bank Credit |
|
|
|
|
| |
5.1 Gross bank credit |
95,26,932 |
1,00,98,420 |
13.4 |
6.0 |
| |
5.2 Agriculture |
12,17,594 |
12,39,575 |
10.0 |
1.8 |
| |
5.3 Industry |
32,93,638 |
32,52,801 |
5.2 |
-1.2 |
| |
5.4 Services |
26,02,287 |
27,54,824 |
25.1 |
5.9 |
| |
5.5 Retail loans |
23,04,313 |
26,59,250 |
18.6 |
15.4 |
| 6 |
Technological Development |
|
|
|
|
| |
6.1 Total number of credit cards (in lakhs) |
471 |
577 |
25.6 |
22.5 |
| |
6.2 Total number of debit cards (in lakhs) |
9,058 |
8,286 |
5.2 |
-8.5 |
| |
6.3 Number of ATMs |
2,02,196 |
2,10,760 |
-2.3 |
4.2 |
| 7 |
Customer Services |
|
|
|
|
| |
7.1 Total number of complaints received during the year |
1,84,730 |
3,06,702 |
22.7 |
66.0 |
| |
7.2 Total number of complaints addressed |
1,82,602 |
3,05,592 |
23.3 |
67.4 |
| |
7.3 Percentage of complaints addressed |
89.1 |
92.9 |
- |
- |
| 8 |
Financial Inclusion |
|
|
|
|
| |
8.1 Credit-deposit ratio (Per cent) |
75.1 |
73.7 |
- |
- |
| |
8.2 Number of new bank branches opened |
4,516 |
4,116 |
14.6 |
-8.9 |
| |
8.3 Number of banking outlets in villages (Total) |
5,97,155 |
5,99,217 |
4.8 |
0.3 |
Notes: 1. P: Provisional.
2. **: Based on off-site returns.
3. @Figures are as per the Basel III framework.
4. Percentage variation could be slightly different as figures have been rounded off to lakh/crore. |
|
