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Indian Banking Sector at a Glance

Amount in ̀ Billion

 Year Items AmountOutstanding

PercentageVariation

1 Balance Sheet Operations

1.1 Total Liabilities/assets 120342 9.6

1.2 Deposits 94351 10.6

1.3 Borrowings 11498 4.4

1.4 Loans and advances 73882 9.7

1.5 Investments 31695 9.9

1 .6 Off- ba la nc e s he et e xp os ure ( as p er ce nta ge o f o n-b al an ce s he et l ia bi li ti es ) 1 24 .8 -

1.7 Total consolidated international claims 4053 7.3

2 Profitability

2.1 Net profit 891 10.1

2.2 Return on Asset (RoA) (Per cent) 0.8 -

2.3 Return on Equity (RoE) (Per cent) 10.4 -

2.4 Net Interest Margin (NIM) (Per cent) 2.6 -

3 Capital Adequacy

3.1 Capital to risk weighted assets ratio (CRAR) @ 12.9 -

3.2 Tier I capital (as percentage of total capital) @ 79.7 -

3.3 CRAR (tier I) (Per cent) @ 10.3 -

4 Asset Quality

4.1 Gross NPAs 3243 22.7

4.2 Net NPAs 1761 23.5

4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) 4.3 -

4.4 Net NPA ratio (Net NPAs as percentage of net advances) 2.4 -

4.5 Provision Coverage Ratio (Per cent)** 44.2 -

4.6 Slippage ratio (Per cent) 3.2 -

5 Sectoral Deployment of Bank Credit #

5.1 Gross bank credit 61023 8.6

5.2 Agriculture 7659 15.0

5.3 Industry 26576 5.6

5.4 Services 14131 5.7

5.5 Personal loans 11664 15.5

6 Technological Development

6.1 Total number of credit cards (in million) 21 9.9

6.2 Total number of debit cards (in million) 553 40.3

6.3 Number of ATMs 189279 17.0

7 Customer Services*

7.1 Total number of complaints received during the year 85131 11.2

7.2 Total number of complaints addressed 84660 7.5

7.3 Percentage of complaints addressed 96 -

8 Financial Inclusion

8.1 Credit-deposit ratio (Per cent) 78.3 -

8.2 Number of new bank branches opened 8975 -20.7

8.3 Number of banking outlets in villages (Total) 553713 44.3

1 Balance Sheet Operations

1.1 Total Liabilities/assets 109759 14.5

1.2 Deposits 85332 14.9

1.3 Borrowings 11013 9.0

1.4 Loans and advances 67352 14.5

1.5 Investments 28833 10.3

1 .6 Off-ba la nce sh ee t e xp osu re (a s p erce nta ge o f o n-b al an ce sh ee t l ia bi li ti es) 1 22 -

1.7 Total consolidated international claims 3777 14.0

2 Profitability

2.1 Net profit 809 -11.2

2.2 Return on Asset (RoA) (Per cent) 0.8 -

2014-15

2013-14

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2.3 Return on Equity (RoE) (Per cent) 10.7 -

2.4 Net Interest Margin (NIM) (Per cent) 2.7 -

3 Capital Adequacy

3.1 Capital to risk weighted assets ratio (CRAR) @ 13 -

3.2 Tier I capital (as percentage of total capital) @ 77.5 -

3.3 CRAR (tier I) (Per cent) @ 10.1 -

4 Asset Quality

4.1 Gross NPAs 2644 36.2

4.2 Net NPAs 1426 44.5

4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) 3.8 -

4.4 Net NPA ratio (Net NPAs as percentage of net advances) 2.1 -

4.5 Provision Coverage Ratio (Per cent)** 44.7 -

4.6 Slippage ratio (Per cent) 3.3 -

5 Sectoral Deployment of Bank Credit #

5.1 Gross bank credit 56208 14.0

5.2 Agriculture 6660 13.5

5.3 Industry 25165 13.6

5.4 Services 13375 17.1

5.5 Personal loans 10097 13.1

6 Technological Development

6.1 Total number of credit cards (in million) 19 -1.9

6.2 Total number of debit cards (in million) 394 19.2

6.3 Number of ATMs 161750 40.4

7 Customer Services*

7.1 Total number of complaints received during the year 76573 8.6

7.2 Total number of complaints addressed 78745 12.9

7.3 Percentage of complaints addressed 96 -

8 Financial Inclusion

8.1 Credit-deposit ratio (Per cent) 78.9 -

8.2 Number of new bank branches opened 11315 43.0

8.3 Number of banking outlets in villages (Total) 383804 43.0

1 Balance Sheet Operations

1.1 Total Liabilities/assets 95900 15.2

1.2 Deposits 74297 15.1

1.3 Borrowings 10104 19.7

1.4 Loans and advances 58798 15.9

1.5 Investments 26131 17.0

1 .6 Off- ba la nc e s he et e xp os ure ( as p er ce nta ge o f o n-b al an ce s he et l ia bi li ti es ) 1 38 .3 -

1.7 Total consolidated international claims 3312 17.9

2 Profitability

2.1 Net profit 912 11.5

2.2 Return on Asset (RoA) (Per cent) 1 -

2.3 Return on Equity (RoE) (Per cent) 13.8 -

2.4 Net Interest Margin (NIM) (Per cent) 2.6 -

3 Capital Adequacy

3.1 Capital to risk weighted assets ratio (CRAR) @ 13.9 -

3.2 Tier I capital (as percentage of total capital) @ 74.1 -

2012-13