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Date : Dec 29, 2020
Appendix Table IV.1: Indian Banking Sector at a Glance
(Amount in ₹ crore)
Sr. No Items Amount Outstanding (As at end-March) Percentage Variation
2019 2020 (P) 2018-19 2019-20
1 2 3 4 5 6
1 Balance Sheet Operations        
  1.1 Total Liabilities/assets 1,66,01,045 1,80,14,875 8.8 8.5
  1.2 Deposits 1,28,86,643 1,39,75,095 9.3 8.4
  1.3 Borrowings 17,09,670 16,96,046 1.6 -0.8
  1.4 Loans and advances 96,76,183 1,03,01,914 10.6 6.5
  1.5 Investments 43,22,464 46,89,842 4.8 8.5
  1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) 122.8 125.3 - -
  1.7 Total consolidated international claims 6,29,621 5,78,412 -1.3 -8.1
2 Profitability        
  2.1 Net profit -23,397 10,911 - -
  2.2 Return on Asset (RoA) (Per cent) -0.09 0.15 - -
  2.3 Return on Equity (RoE) (Per cent) -1.9 0.8 - -
  2.4 Net Interest Margin (NIM) (Per cent) 2.7 2.8 - -
3 Capital Adequacy        
  3.1 Capital to risk weighted assets ratio (CRAR) @ 14.3 14.7 - -
  3.2 Tier I capital (as percentage of total capital) @ 85.5 85.5 - -
  3.3 CRAR (tier I) (Per cent) @ 12.2 12.6 - -
4 Asset Quality        
  4.1 Gross NPAs 9,36,474 8,99,803 -9.9 -3.9
  4.2 Net NPAs 3,55,068 2,89,531 -31.8 -18.5
  4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) 9.1 8.2 - -
  4.4 Net NPA ratio (Net NPAs as percentage of net advances) 3.7 2.8 - -
  4.5 Provision Coverage Ratio (not write-off adjusted) (Per cent)** 60.5 66.2 - -
  4.6 Slippage ratio (Per cent) 4.0 3.8 - -
5 Sectoral Deployment of Bank Credit        
  5.1 Gross bank credit 95,26,932 1,00,98,420 13.4 6.0
  5.2 Agriculture 12,17,594 12,39,575 10.0 1.8
  5.3 Industry 32,93,638 32,52,801 5.2 -1.2
  5.4 Services 26,02,287 27,54,824 25.1 5.9
  5.5 Retail loans 23,04,313 26,59,250 18.6 15.4
6 Technological Development        
  6.1 Total number of credit cards (in lakhs) 471 577 25.6 22.5
  6.2 Total number of debit cards (in lakhs) 9,058 8,286 5.2 -8.5
  6.3 Number of ATMs 2,02,196 2,10,760 -2.3 4.2
7 Customer Services        
  7.1 Total number of complaints received during the year 1,84,730 3,06,702 22.7 66.0
  7.2 Total number of complaints addressed 1,82,602 3,05,592 23.3 67.4
  7.3 Percentage of complaints addressed 89.1 92.9 - -
8 Financial Inclusion        
  8.1 Credit-deposit ratio (Per cent) 75.1 73.7 - -
  8.2 Number of new bank branches opened 4,516 4,116 14.6 -8.9
  8.3 Number of banking outlets in villages (Total) 5,97,155 5,99,217 4.8 0.3
Notes: 1. P: Provisional.
2. **: Based on off-site returns.
3. @Figures are as per the Basel III framework.
4. Percentage variation could be slightly different as figures have been rounded off to lakh/crore.

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