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Date : Dec 27, 2023
Appendix Table IV.1: Indian Banking Sector at a Glance
(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.

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