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Date : Dec 28, 2018
Appendix Table IV.1 Indian Banking Sector at a Glance
(Amount in ₹ billion)
Sr. No Items Amount Outstanding (At end-March) Per cent Variation
2017 2018* 2016-17 2017-18*
1 2 3 4 5 6
1 Balance Sheet Operations        
1.1 Total Liabilities/assets 141,746 152,533 8.0 7.6
1.2 Deposits 111,114 117,940 10.1 6.1
1.3 Borrowings 12,807 16,823 -11.6 31.4
1.4 Loans and advances 81,161 87,460 2.8 7.8
1.5 Investments 36,523 41,263 9.7 13.0
1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) 107.1 113.4 - -
1.7 Total consolidated international claims 7,168 6,371 24.2 -11.1
2 Profitability        
2.1 Net profit 439 -324 28.6 -
2.2 Return on Assets (RoA) (Per cent) 0.4 -0.2 - -
2.3 Return on Equity (RoE) (Per cent) 4.2 -2.8 - -
2.4 Net Interest Margin (NIM) (Per cent) 2.5 2.5 - -
3 Capital Adequacy        
3.1 Capital to risk weighted assets ratio (CRAR) @** 13.7 13.8 - -
3.2 Tier I capital (as percentage of total capital) @** 82.3 84.3 - -
3.3 CRAR (tier I) (Per cent) @** 11.2 11.7 - -
4 Asset Quality        
4.1 Gross NPAs 7,918 10,397 29.4 31.3
4.2 Net NPAs 4,331 5,207 23.8 20.2
4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances~) 9.3 11.2 - -
4.4 Net NPA ratio (Net NPAs as percentage of net advances) 5.3 6.0 - -
4.5 Provision Coverage Ratio (Per cent)** 43.5 48.3 - -
4.6 Slippage ratio (Per cent)** 5.9 7.6 - -
5 Sectoral Deployment of Bank Credit        
5.1 Gross bank credit 71,455 77,303 7.5 8.2
5.2 Agriculture 9,924 10,302 12.4 3.8
5.3 Industry 26,798 26,993 -1.9 0.7
5.4 Services 18,022 20,505 16.9 13.8
5.5 Personal loans 16,200 19,085 16.4 17.8
6 Technological Development        
6.1 Total number of credit cards (in million) 30 37 19.4 24
6.2 Total number of debit cards (in million) 772 861 17.0 12
6.3 Number of ATMs 208,354 207,052 4.7 -0.6
7 Consumer Protection#        
7.1 Total number of complaints received during the year 130,987 163,590 27.3 24.9
7.2 Total number of complaints addressed 136,511 174,805 28.0 28.1
7.3 Percentage of complaints addressed 92 96.5 - -
8 Financial Inclusion        
8.1 Credit-deposit ratio (Per cent) 73.0 74.2 - -
8.2 Number of new bank branches opened 5,306 3,948 -41.3 -25.6
8.3 Number of banking outlets in villages (Total) 598,093^ 569,547^ 2.0 -4.8
Notes: 1. Per cent variation could be slightly different as figures have been rounded off to million/billion.
2. #: Refers to the period July-June of the respective years.
3. ^: Refers to number of banking outlets.
4. *: Provisional.
5. **: Off-site returns (domestic operations), RBI.
6. ~: Off-site returns (global operations), RBI.
7. @: Figures are as per the Basel III framework.

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