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Date : Dec 24, 2019
Appendix Table IV.1: Indian Banking Sector at a Glance
(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.

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