1

Balance Sheet Operations

1.1

Total liabilities/assets

83,209

95,733

15.8

15.1

1.2

Deposits

64,535

74,295

14.9

15.1

1.3

Borrowings

8,438

10,105

24.9

19.8

1.4

Loans and advances

50,736

58,797

18.1

15.9

1.5

Investments

22,339

26,133

16.1

17.0

1.6

Off-balance sheet exposure (as percentage of balance sheet liabilities)

175.4

138.5

-

-

1.7

Total consolidated international claims

2,809

3,312

14.0

17.9

2

Profitability

2.1

Net profit

817

912

16.1

11.6

2.2

Return on Asset (RoA) (Per cent)

1.08

1.03

-

-

2.3

Return on Equity (RoE) (Per cent)

14.60

13.84

-

-

2.4

Net Interest Margin (NIM) (Per cent)

2.9

2.8

-

-

3

Capital Adequacy

3.1

Capital to risk weighted assets ratio (CRAR) (under Basel I) (Per cent)

12.9

12.8

-

-

3.2

Capital to risk weighted assets ratio (CRAR) (under Basel II) (Per cent)

14.2

13.9

-

-

3.3

Tier I capital (as percentage of total capital)

72.8

74.1

-

-

3.4

CRAR (Tier I) (Basel I) (Per cent)

9.4

9.5

-

-

3.5

CRAR (Tier I) (Basel II) (Per cent)

10.4

10.3

-

-

4

Asset Quality

4.1

Gross NPAs

1,429

1,940

46.0

35.8

4.2

Net NPAs

652

986

56.4

51.2

4.3

Gross NPA ratio (Gross NPAs as percentage of gross advances)

3.1

3.6

-

-

4.4

Net NPA ratio (Net NPAs as percentage of net advances)

1.3

1.7

-

-

4.5

Provisioning Coverage Ratio (Per cent)**

51.9

51.0

-

-

4.6

Slippage ratio (Per cent)

2.5

2.7

-

-

5

Sectoral Deployment of Bank Credit

5.1

Gross bank credit

43,714

49,642

17.1

13.6

5.2

Agriculture

5,484

5,899

14.1

7.6

5.3

Industry

19,374

22,302

20.7

15.1

5.4

Services

10,166

11,486

14.5

13.0

5.5

Personal loans

7,873

9,009

13.4

14.4

6

Technological Development

6.1

Total number of credit cards (in million)

18

20

-2.2

10.2

6.2

Total number of debit cards (in million)

278

331

22.1

19.0

6.3

Number of ATMs

95,686

114,014

28.4

19.2

7

Customer Services*

7.1

Total number of complaints received*

72,889

70,541

-4.9

-3.2

7.2

Total number of complaints addressed*

72,885

69,704

1.2

-4.4

7.3

Percentage of complaints addressed

99.99

98.81

-

-

8

Financial Inclusion

8.1

Credit-deposit ratio (Per cent)

78.6

79.1

-

-

8.2

Number of new bank branches opened

7,473

7,213

-

-

8.3

Number of villages covered under Financial Inclusion Plans (FIPs)

1,81,753

2,68,454

56.4

48.0

Notes: 1. *Position as on end-June 2012. The number of complaints received and addressed are inclusive of RRBs and co-operatives.
2. **Based on off-site returns.
3. Percentage variation could be slightly different as figures have been rounded off to million/billion.