| (Amount in ₹ billion) | Sr.
No | Items | Amount Outstanding
(As at end-March) | Percentage Variation | | 2016 | 2017* | 2015-16 | 2016-17* | | 1 | Balance Sheet Operations | | | | | | 1.1 | Total liabilities/assets | 131,293 | 141,586 | 9.1 | 7.8 | | 1.2 | Deposits | 100,927 | 111,139 | 7.0 | 10.1 | | 1.3 | Borrowings | 14,488 | 12,807 | 26 | -11.6 | | 1.4 | Loans and advances | 78,965 | 81,162 | 6.9 | 2.8 | | 1.5 | Investments | 33,278 | 36,522 | 11.8 | 9.7 | | 1.6 | Off-balance sheet exposure (as percentage of on-balance sheet liabilities) | 111 | 107 | - | - | | 1.7 | Total consolidated international claims | 5,774 | 7,168 | 42.5 | 24.2 | | 2 | Profitability | | | | | | 2.1 | Net profit | 341 | 439 | -61.7 | 28.6 | | 2.2 | Return on Asset (RoA) (Per cent) | 0.4 | 0.35 | - | - | | 2.3 | Return on Equity (RoE) (Per cent) | 3.58 | 4.16 | - | - | | 2.4 | Net Interest Margin (NIM) (Per cent) | 2.6 | 2.5 | - | - | | 3 | Capital Adequacy | | | | | | 3.1 | Capital to risk weighted assets ratio (CRAR) @ | 13.3 | 13.6 | - | - | | 3.2 | Tier I capital (as percentage of total capital) @ | 81.2 | 82.1 | - | - | | 3.3 | CRAR (tier I) (Per cent) @ | 10.8 | 11.2 | - | - | | 4 | Asset Quality | | | | | | 4.1 | Gross NPAs | 6,119 | 7,918 | 89.3 | 29.4 | | 4.2 | Net NPAs | 3,498 | 4,331 | 98.9 | 23.8 | | 4.3 | Gross NPA ratio (Gross NPAs as percentage of gross advances) | 7.5 | 9.3 | - | - | | 4.4 | Net NPA ratio (Net NPAs as percentage of net advances) | 4.4 | 5.3 | - | - | | 4.5 | Provision Coverage Ratio (Per cent)** | 41.9 | 43.5 | - | - | | 4.6 | Slippage ratio (Per cent) | 6.3 | 5.7 | - | - | | 5 | Sectoral Deployment of Bank Credit | | | | | | 5.1 | Gross bank credit | 66,500 | 71,347 | 9.0 | 7.3 | | 5.2 | Agriculture | 8,829 | 9,924 | 15.3 | 12.4 | | 5.3 | Industry | 27,307 | 26,800 | 2.7 | -1.9 | | 5.4 | Services | 15,411 | 18,022 | 9.1 | 16.9 | | 5.5 | Personal loans | 13,922 | 16,200 | 19.4 | 16.4 | | 6 | Technological Development | | | | | | 6.1 | Total number of credit cards (in million) | 25 | 30 | 16.1 | 21.8 | | 6.2 | Total number of debit cards (in million) | 662 | 772 | 19.6 | 16.6 | | 6.3 | Number of ATMs | 198,952 | 208,354 | 12 | 4.9 | | 7 | Customer Services | | | | | | 7.1 | Total number of complaints received during the year | 102,894 | 130,987 | 20.9 | 27.3 | | 7.2 | Total number of complaints addressed | 101,153 | 125,345 | 19.5 | 23.9 | | 7.3 | Percentage of complaints addressed | 94.8 | 92 | - | - | | 8 | Financial Inclusion | | | | | | 8.1 | Credit-deposit ratio (Per cent) | 78.2 | 73.03 | - | - | | 8.2 | Number of new bank branches opened | 6,986 | 4,830 | -20.0 | -30.9 | | 8.3 | Number of banking outlets in villages (Total) | 586,307 | 598,093 | 5.9 | 2.0 | *: Provisional **: Based on off-site returns and without write-off adjusted. @: Figures are as per the Basel III framework
Notes:
1. Percentage variation could be slightly different as figures have been rounded off to million/billion.
2. Data on sectoral deployment of bank credit pertains to last reporting Friday of March. | |