| (Amount in ₹ crore) | | Sr. No | Items | Amount Outstanding (At end-March) | Percentage Variation | | 2024 | 2025P | 2024 | 2025P | | 1 | 2 | 3 | 4 | 5 | 6 | | 1 | Balance Sheet Operations# | | | | | | | 1.1 Total Liabilities/assets | 2,80,80,520 | 3,12,18,250 | 15.5 | 11.2 | | | 1.2 Deposits | 2,17,41,578 | 2,41,47,183 | 14.0 | 11.1 | | | 1.3 Borrowings | 25,40,474 | 27,17,607 | 29.8 | 7.0 | | | 1.4 Loans and advances | 1,71,42,309 | 1,91,19,608 | 19.7 | 11.5 | | | 1.5 Investments | 72,70,409 | 79,42,827 | 13.0 | 9.2 | | | 1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) | 138.6 | 161.9 | | | | | 1.7 Total consolidated international claims | 6,32,852 | 9,98,116 | -5.0 | 57.7 | | 2 | Profitability# | | | | | | | 2.1 Net profit | 3,49,603 | 4,01,180 | | | | | 2.2 Return on Asset (RoA) (Per cent) * | 1.3 | 1.4 | | | | | 2.3 Return on Equity (RoE) (Per cent) * | 13.6 | 13.5 | | | | | 2.4 Net Interest Margin (NIM) (Per cent) | 3.3 | 3.1 | | | | 3 | Capital Adequacy # | | | | | | | 3.1 Capital to risk weighted assets ratio (CRAR) @ | 16.9 | 17.4 | | | | | 3.2 Tier I capital (as percentage of total capital) @ | 87.8 | 89.1 | | | | | 3.3 CRAR (tier I) (Per cent) @ | 14.8 | 15.5 | | | | 4 | Asset Quality # | | | | | | | 4.1 Gross NPAs | 4,80,818 | 4,31,634 | -15.9 | -10.2 | | | 4.2 Net NPAs | 1,06,745 | 95,388 | -21.1 | -10.6 | | | 4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances)** | 2.7 | 2.2 | | | | | 4.4 Net NPA ratio (Net NPAs as percentage of net advances) | 0.6 | 0.5 | | | | | 4.5 Provision Coverage Ratio (Per cent) * | 76.2 | 76.3 | | | | | 4.6 Slippage ratio (Per cent) * | 1.5 | 1.4 | | | | 5 | Sectoral Deployment of Bank Credit #^^ | | | | | | | 5.1 Gross bank credit | 1,64,32,164 | 1,82,43,972 | 20.2 | 11.0 | | | 5.2 Agriculture | 20,71,251 | 22,87,060 | 20.0 | 10.4 | | | 5.3 Industry | 36,82,393 | 39,85,660 | 9.4 | 8.2 | | | 5.4 Services | 45,47,237 | 50,93,565 | 22.3 | 12.0 | | | 5.5 Personal loans | 53,46,691 | 59,71,696 | 27.8 | 11.7 | | 6 | Technological Development | | | | | | | 6.1 Total number of credit cards (in lakhs) | 1,018 | 1,099 | 19.3 | 7.9 | | | 6.2 Total number of debit cards (in lakhs) | 9,649 | 9,908 | 0.4 | 2.7 | | | 6.3 Number of ATMs and CRMs (in lakhs) | 2.58 | 2.56 | -0.3 | -0.7 | | 7 | Customer Services | | | | | | | 7.1 Total number of complaints received during the year^ | 2,93,924 | 2,96,321 | 25.2 | 0.8 | | | 7.2 Total number of complaints handled during the year ## | 2,99,022 | 3,12,204 | 21.9 | 4.4 | | | Of 7.2 Total number of complaints addressed/disposed during the year | 2,84,355 | 2,90,567 | 18.3 | 2.2 | | | Of 7.2 Percentage of complaints addressed/disposed during the year | 95.1 | 93.1 | | | | 8 | Financial Inclusion | | | | | | | 8.1 Credit-deposit ratio (Per cent) # | 78.8 | 79.2 | | | | | 8.2 Number of new bank branches opened during the year | 5,379 | 4,991 | 0.8 | -7.2 | # : Data pertain to SCBs excluding RRBs.
P : Provisional.
* : Based on off-site returns.
** : Calculated by taking gross NPAs from annual accounts of respective banks and gross advances from off-site returns (global operations), RBI.
@ : Figures are as per the Basel III framework.
^ : Excludes complaints closed at CRPC and those auto closed at the CMS Portal.
## : Complaints handled also include complaints brought forward from previous year.
^^: Gross bank credit data is based on fortnightly Section-42 return while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 95 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month.
Notes: 1. Table includes the impact of the merger of a non-bank with a bank.
2. Percentage variation could be slightly different as figures have been rounded off to lakh/crore. | |