| (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. | |