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DBIERBI:DATABASEOFINDIANECONOMY

IndianBankingSectorataGlance
Amountin`Billion
Year
201415

Items

Amount
Outstanding

Percentage
Variation

1BalanceSheetOperations
1.1TotalLiabilities/assets

120342

9.6

1.2Deposits

94351

10.6

1.3Borrowings

11498

4.4

1.4Loansandadvances

73882

9.7

1.5Investments

31695

9.9

1.6Offbalancesheetexposure(aspercentageofonbalancesheetliabilities)

124.8

1.7Totalconsolidatedinternationalclaims

4053

7.3

891

10.1

2.2ReturnonAsset(RoA)(Percent)

0.8

2.3ReturnonEquity(RoE)(Percent)

10.4

2.6

2Profitability
2.1Netprofit

2.4NetInterestMargin(NIM)(Percent)

3CapitalAdequacy

3.1Capitaltoriskweightedassetsratio(CRAR)@

12.9

3.2TierIcapital(aspercentageoftotalcapital)@

79.7

3.3CRAR(tierI)(Percent)@

10.3

4.1GrossNPAs

3243

22.7

4.2NetNPAs

4AssetQuality

1761

23.5

4.3GrossNPAratio(GrossNPAsaspercentageofgrossadvances)

4.3

4.4NetNPAratio(NetNPAsaspercentageofnetadvances)

2.4

44.2

3.2

61023

8.6

4.5ProvisionCoverageRatio(Percent)**
4.6Slippageratio(Percent)
5SectoralDeploymentofBankCredit#
5.1Grossbankcredit
5.2Agriculture

7659

15.0

5.3Industry

26576

5.6

5.4Services

14131

5.7

5.5Personalloans

11664

15.5

21

9.9

6TechnologicalDevelopment
6.1Totalnumberofcreditcards(inmillion)
6.2Totalnumberofdebitcards(inmillion)

553

40.3

189279

17.0

7.1Totalnumberofcomplaintsreceivedduringtheyear

85131

11.2

7.2Totalnumberofcomplaintsaddressed

84660

7.5

96

6.3NumberofATMs
7CustomerServices*

7.3Percentageofcomplaintsaddressed

8FinancialInclusion
8.1Creditdepositratio(Percent)

8975

20.7

553713

44.3

109759

14.5

1.2Deposits

85332

14.9

1.3Borrowings

11013

9.0

1.4Loansandadvances

67352

14.5

1.5Investments

28833

10.3

8.2Numberofnewbankbranchesopened
8.3Numberofbankingoutletsinvillages(Total)
201314

78.3

1BalanceSheetOperations
1.1TotalLiabilities/assets

1.6Offbalancesheetexposure(aspercentageofonbalancesheetliabilities)
1.7Totalconsolidatedinternationalclaims

122

3777

14.0

809

11.2

0.8

2Profitability
2.1Netprofit
2.2ReturnonAsset(RoA)(Percent)

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DBIERBI:DATABASEOFINDIANECONOMY
2.3ReturnonEquity(RoE)(Percent)
2.4NetInterestMargin(NIM)(Percent)

10.7

2.7

3CapitalAdequacy
3.1Capitaltoriskweightedassetsratio(CRAR)@

13

3.2TierIcapital(aspercentageoftotalcapital)@

77.5

3.3CRAR(tierI)(Percent)@

10.1

4.1GrossNPAs

2644

36.2

4.2NetNPAs

4AssetQuality

1426

44.5

4.3GrossNPAratio(GrossNPAsaspercentageofgrossadvances)

3.8

4.4NetNPAratio(NetNPAsaspercentageofnetadvances)

2.1

44.7

3.3

56208

14.0

4.5ProvisionCoverageRatio(Percent)**
4.6Slippageratio(Percent)
5SectoralDeploymentofBankCredit#
5.1Grossbankcredit
5.2Agriculture

6660

13.5

5.3Industry

25165

13.6

5.4Services

13375

17.1

5.5Personalloans

10097

13.1

19

1.9

6TechnologicalDevelopment
6.1Totalnumberofcreditcards(inmillion)
6.2Totalnumberofdebitcards(inmillion)

394

19.2

161750

40.4

7.1Totalnumberofcomplaintsreceivedduringtheyear

76573

8.6

7.2Totalnumberofcomplaintsaddressed

78745

12.9

96

6.3NumberofATMs
7CustomerServices*

7.3Percentageofcomplaintsaddressed

8FinancialInclusion
8.1Creditdepositratio(Percent)

11315

43.0

383804

43.0

1.1TotalLiabilities/assets

95900

15.2

1.2Deposits

74297

15.1

1.3Borrowings

10104

19.7

1.4Loansandadvances

58798

15.9

1.5Investments

26131

17.0

8.2Numberofnewbankbranchesopened
8.3Numberofbankingoutletsinvillages(Total)
201213

78.9

1BalanceSheetOperations

1.6Offbalancesheetexposure(aspercentageofonbalancesheetliabilities)

138.3

1.7Totalconsolidatedinternationalclaims

3312

17.9

912

11.5

2Profitability
2.1Netprofit
2.2ReturnonAsset(RoA)(Percent)
2.3ReturnonEquity(RoE)(Percent)
2.4NetInterestMargin(NIM)(Percent)

13.8

2.6

3CapitalAdequacy

3.1Capitaltoriskweightedassetsratio(CRAR)@

13.9

3.2TierIcapital(aspercentageoftotalcapital)@

74.1

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