| (Amount in ₹ crore) | | Sr. No | | Amount Outstanding (At end-March) | Percentage Variation | | 2022 | 2023* | 2021-22 | 2022-23* | | 1 | 2 | 3 | 4 | 5 | 6 | | 1 | Balance Sheet Operations | | | | | | | 1.1 Total Liabilities/assets | 2,16,74,688 | 2,43,18,174 | 10.7 | 12.2 | | | 1.2 Deposits | 1,71,80,645 | 1,90,68,284 | 10.3 | 11.0 | | | 1.3 Borrowings | 16,63,348 | 19,57,222 | 12.9 | 17.7 | | | 1.4 Loans and advances | 1,21,98,769 | 1,43,19,355 | 12.9 | 17.4 | | | 1.5 Investments | 57,79,131 | 64,36,540 | 6.7 | 11.4 | | | 1.6 Off-balance sheet exposure (as percentage of on-balance sheet liabilities) | 132.8 | 144.8 | | | | | 1.7 Total consolidated international claims | 7,29,114 | 6,65,899 | 18.8 | -8.7 | | 2.0 | Profitability | | | | | | | 2.1 Net profit | 1,82,032 | 2,63,214 | | | | | 2.2 Return on Asset (RoA) (Per cent) ** | 0.9 | 1.2 | | | | | 2.3 Return on Equity (RoE) (Per cent) ** | 9.9 | 11.6 | | | | | 2.4 Net Interest Margin (NIM) (Per cent) ** | 3.4 | 3.8 | | | | 3.0 | Capital Adequacy | | | | | | | 3.1 Capital to risk weighted assets ratio (CRAR) @ | 16.8 | 17.3 | | | | | 3.2 Tier I capital (as percentage of total capital) @ | 87.4 | 86.8 | | | | | 3.3 CRAR (Tier I) (Per cent) @ | 14.7 | 15.0 | | | | 4.0 | Asset Quality | | | | | | | 4.1 Gross NPAs | 7,43,640 | 5,71,546 | -11.0 | -23.1 | | | 4.2 Net NPAs | 2,04,231 | 1,35,333 | -20.9 | -33.7 | | | 4.3 Gross NPA ratio (Gross NPAs as percentage of gross advances) | 5.8 | 3.9 | | | | | 4.4 Net NPA ratio (Net NPAs as percentage of net advances) | 1.7 | 0.9 | | | | | 4.5 Provision Coverage Ratio (Per cent)** | 69.0 | 74.1 | | | | | 4.6 Slippage ratio (Per cent) | 2.7 | 1.8 | | | | 5.0 | Sectoral Deployment of Bank Credit | | | | | | | 5.1 Bank credit@@ | 1,18,91,314 | 1,36,75,235 | 9.6 | 15.0 | | | 5.2 Agriculture | 14,61,719 | 16,87,191 | 9.9 | 15.4 | | | 5.3 Industry | 31,56,067 | 33,36,722 | 7.5 | 5.7 | | | 5.4 Services | 30,11,975 | 36,08,574 | 8.7 | 19.8 | | | 5.5 Personal loans | 33,86,982 | 40,85,168 | 12.6 | 20.6 | | 6.0 | Technological Development | | | | | | | 6.1 Total number of credit cards (in lakhs) | 736 | 853 | 18.7 | 15.9 | | | 6.2 Total number of debit cards (in lakhs) | 9,177 | 9,613 | 2.2 | 4.8 | | | 6.3 Number of ATMs and CRMs | 2,51,740 | 2,58,534 | 5.5 | 2.7 | | 7.0 | Customer Services*** | | | | | | | 7.1 Total number of complaints received during the year | 3,04,496^ | 2,34,690^^ | 0.5 | -22.9 | | | 7.2 Total number of complaints handled during the year ## | 3,17,514 | 2,45,391 | -5.2 | -22.7 | | | Of 7.2, Total number of complaints addressed/ disposed during the year | 3,11,067 | 2,40,453 | -3.9 | -22.7 | | | Of 7.2, Percentage of complaints addressed/ disposed during the year | 98.0 | 98.0 | | | | 8.0 | Financial Inclusion | | | | | | | 8.1 Credit-deposit ratio (Per cent) | 71 | 75.1 | | | | | 8.2 Number of new bank branches opened | 3,254 | 5,308 | 5.3 | 63.1 | | | 8.3 Number of banking outlets in villages (Total) | 22,74,236 | 16,81,957# | 82.2 | -25.5 | Notes: 1. * : Provisional.
2. ** : Based on off-site returns.
3. *** : The percentage variation is not strictly comparable as the data for the year 2020-21 pertain to July 2020 to March 2021 whereas the data for 2021-22 pertain to April 2021 to March 2022.
4. ^ : Excludes 1,13,688 complaints handled at CRPC.
5. ^^ : Excludes 4,68,854 complaints handled at CRPC.
6. ## : Complaints handled includes complaints received during the year and complaints brought forward from previous year
7. # : Significant decrease is on account of select private sector banks.
8. @ : Figures are as per the Basel III framework.
9. @@ : Credit data are adjusted for past reporting errors by sclect SCBs from December 2021 onwards.
10. Percentage variation could be slightly different as figures have been rounded off to lakh/crore. | |