| (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. | |