STRBI Table No. 01 - Indian Banking Sector at A Glance

Indian Banking Sector at a Glance
Sr. No
1
Items
Amount Outstanding (As at

End-March)
2013
1.1
Balance Sheet Operations

Total Liabilities/assets
95,900
1.2
Deposits
74,297
1.3
Borrowings
10,104
1.4
Loans and advances
58,798
1.5
Investments
26,131
1.6
Off-balance sheet exposure (as percentage of on-balance sheet liabilities)
138.3
1.7
2
3,312
2.1
Total consolidated international claims

Profitability
Net profit
2.2
Return on Asset (RoA) (Per cent)
1.04
2.3
Return on Equity (RoE) (Per cent)
13.84
2.4
3
Net Interest Margin (NIM) (Per cent)
3.1
Capital to risk weighted assets ratio (CRAR) @
13.88
3.2
Tier I capital (as percentage of total capital) @
74.1
3.3
CRAR (tier I) (Per cent) @
Asset Quality
4.1
Gross NPAs
4.2
Net NPAs
987
4.3
Gross NPA ratio (Gross NPAs as percentage of gross advances)
3.2
4.4
Net NPA ratio (Net NPAs as percentage of net advances)
1.7
4.5
Provision Coverage Ratio (Per cent)**
4.6
5
Slippage ratio (Per cent)
5.1
Gross bank credit
5.2
Agriculture
5.3
Industry
22302
5.4
Services
11519
5.5
6
8976
6.1
Personal loans
Technological Development
Total number of credit cards (in million)
6.2
6.3
7
Total number of debit cards (in million)

Number of ATMs
Customer Services*
331
114,014
7.1
Total number of complaints received during the year
70,541
7.2
Total number of complaints addressed
69,704
7.3
8
Percentage of complaints addressed

Financial Inclusion
912
2.6
Capital Adequacy
10.29
1,941
47.6
2.8
Sectoral Deployment of Bank Credit #

49642
5899
20
92.7
8.1
Credit-deposit ratio (Per cent)
8.2
Number of new bank branches opened
8.3
Number of banking outlets in villages (Total)
79.1
7,757
268,454
Notes : 1. * : The number of complaints received and addressed are inclusive of RRBs and co-operatives. Total number of
complaints addressed during the year are from the complaints received during the year as well as those pending at
the beginning of the year.
2. ** : Based on off-site returns. @Figures for 2014 are as per the Basel III framework.
3. Percentage variation could be slightly different as figures have been rounded off to million/billion.
4. # : Data are provisional and relate to select banks which cover about 95 per cent of total non-food credit extended by all
scheduled commercial banks.
(Amount in ` Billion)
mount Outstanding (As at

End-March)
2014
Percentage Variation
2012-13
2013-14
109,635
15.2
14.3
85,331
15.1
14.9
11,008
19.7
9.0
67,352
15.9
14.5
28,829
17.0
10.3
122.0
3,777
17.9
14.0
809
11.5
-11.3
0.81
10.68
2.5
13.02
77.5
10.09
2,642
35.8
36.1
1,427
51.4
44.6
3.8
2.1
44.3
3.8
56572
13.6
14.0
6694
7.9
13.5
25229
15.1
13.1
13370
12.6
16.1
10367
14.7
15.5
19
10.8
-1.7
394
160,055
19.1
19.2
19.0
40.4
76,573
-3.2
8.6
78,745
-4.4
13.0
95.9
l number of
s those pending at
credit extended by all
78.9
10,738
383,804
47.7
43.0
Month/Day
Location
IN Organisation
10/13
Virtual
Agni Power
10/15
Virtual
Modern Solar
10/15
Virtual
Mlinda Foundation
10/16
Virtual
Alom Extrusions Ltd
10/17
Virtual
Vikram Solar Pvt Ltd
10/19
Kolkata
McNally Bharat
Enginineering Ltd.
10/20
Virtual
Hero Future Energies

Pvt Ltd.
10/21
Virtual
Green Infra Limited
10/22
Kolkata
Symbiotech, West
Bengal Biotech
Development
Corporation
10/24
Virtual
Sova Power Ltd.
10/27
Virtual
Premier Solar
10/28
Virtual
KTPCL
10/29
Virtual
Jakson
10/30
Virtual
Enerzea Power
Solution Pvt Ltd.
11/3
Kolkata
C&S Electric Ltd.
11/5
Virtual
Ksolare Energy Pv
11/5
Virtual
InnoVentum
11/10
Virtual
Bermaco Energy Ltd.
11/11
Virtual
ReNew Power
11/12
Virtual
Kshitiz Solar Ener
11/17
Virtual
Kotak Urja Privat
11/18
Kolkata
European Higher
11/19
Virtual
Emmvee Solar
11/21
Virtual
Gautam Solar Pvt
11/24
Virtual
ACE Infrastructur
11/25
Virtual
Ajit Solar Pvt Ltd.
11/28
Virtual
Euro Multivision
Virtual
Kosol Hiramrut
Energies Pvt
Ltd.
12/1
12/5
Kolkata
HECL
12/8
Virtual
RRB Energy Ltd.
12/11
Virtual
Suzlon
12/11
Virtual
Ammini Solar Pvt
12/17
Virtual
Waaree Energies
12/17
Kolkata
CUTS
12/17
Kolkata
Mlinda Foundatio
12/19
Virtual
SWELECT Energy
12/19
Kolkata
Kolkata Biotech P
12/22
Kolkata
Ireland India Bus
12/23
Kolkata
National Producti
Topic
Results
EBTC Member
EBTC Sector
Som Sekhar Ganguly, Business

Development Executive, EBTC
Kolkata had a telephonic discussion
withMr. Soumyendu Ganguly,
Commercial Officer of Agni
Power. They are the registered
channel partner for MNRE for off grid
solar PV applications.Discussion took Introductory mail sent.
place regarding strategic interests for Follow up will continue.
EU clean technologies.
(Annexure CCU_OCT4)
Som Sekhar Ganguly
Energy

withMr. Ketan Doshi of Modern
Solar. They are the manufacturer of
solar modules. Discussion took place
regarding strategic interests for EU
clean technologies.
Introductory mail sent.

Follow up will continue.
(Annexure CCU_OCT6)
Som Sekhar Ganguly
Energy

withMr. Vijay Bhaskar, Country
Director, Mlinda Foundation. They
provide rural electrification through
solar based mini grids.Discussion took Introductory mail sent.
place regarding strategic interests for Follow up will continue.
(Annexure CCU_OCT7)
Som Sekhar Ganguly
Energy

withMr. S. Mukherjee, Vice President
of Alom Extrusions Ltd. They are the
manufacturer of Aluminium extruded
products.Discussion took place
clean technologies.
(Annexure CCU_OCT8)
Som Sekhar Ganguly
Energy

withMr. Abhijit Ghosh Roy of Vikram
Solar Pvt Ltd.Discussion took place
clean technologies.
(Annexure CCU_OCT8)
Som Sekhar Ganguly
Energy
Mr Suman Lahiri,
Regional Director met
with Mr Nilanjan Roy,
Senior Vice President
and Mr D.
Bhattacharyaa, Assistant
General Manager, Mc
Nally Bharat Engineering
Ltd.for discussing business
development issues
Mcnally Baharat is
looking to develop
collaborations/ Joint
Ventures in the area of
Defense, Mining, water,
solar, etc .owing to the
current polic of Make in
India driven by the
newly elected central
government.
Accordingly, Polish
Chamber of commerce
was called and informed.
Follow up email sent to
PCC and embassy. But
as usual the response
time is long. No positive
response from the
chamber of commerce
has come up yet. The
lack of motivation and
communication is a
problem at the European
end. If it is not
addressed, EBTC will fail
to tap opportunities
which arises and decays
out. This is also true for
project briefs uploaded
on the website.
(Annexure CCU_OCT9)

withMs. Bhawna Marwaha, EA to
CEO, Hero Future Energies Pvt Ltd
which is into generation and
distribution of renewable
energiesDiscussion took place
clean technologies.
(Annexure CCU_OCT11)
Suman Lahiri
Cross-sector
Som Sekhar Ganguly
Energy

withMs. Garima, Manager- Corporate
Communications, Green Infra
Limited which is a renewable energy Introductory mail sent.
producer.Discussion took place
(Annexure
clean technologies.
CCU_OCT12)
Som Sekhar Ganguly
Energy
Mr Suman Lahiri,
Regional Director, met
with Dr. N.K. Saha and
Dr. Narayan Chakrabarty,
Sciectific Consultant and
Director , West Bengal
Biotech Development
Corporation.Also present
in the meeting wasMr.
Pradeep Kumar, CEO,
Symbiotech and Dr.
Discussion took place
Geeta Swamilingiah,
regarding setting up of
Biotechnology Sector ETEC, incubation centre
Specialist, EBTC.
and an IP library.
Suman Lahiri
Cross-sector
Som Sekhar Ganguly
Energy

withMr. Soumyen Mukherjee,
Business Coordinator,Sova Power
Ltd. They are the manufactures off/on
grid modules.Discussion took place
clean technologies.

(Annexure
CCU_OCT14)

withMs Priyanka Sharma, Business
Manager, Premier Solar who are an
EPC player and manufactures
modules.Discussion took place
clean technologies.

(Annexure
CCU_OCT16)
Som Sekhar Ganguly
Energy

withMs Leena Raut, Project
Manager, KTPCL.They provide
Turnkey solutions for solar power
plants.Discussion took place regarding Follow up will continue.
strategic interests for EU clean
(Annexure
technologies.
CCU_OCT18)
Som Sekhar Ganguly
Energy

withMs. Pooja Chawla, Sr. Manager,
Jakson who are into power distribution,
solar power, electrical contracting.
Discussion took place regarding
(Annexure
technologies.
CCU_OCT20)
Som Sekhar Ganguly
Energy

withMr. Prem Garg, CEO,Enerzea
Power Solution Pvt Ltd. who are an
EPC company providing advanced
biogas and solarbased power
An introductory mail has
generation system. Discussion took
been forwarded.
place regarding strategic interests for
(Annexure
EU clean technologies in bio-mass.
CCU_OCT21)
Som Sekhar Ganguly
Energy

withMr. Rohit Dhar, CEO of solar PV
division, C& S Electric Ltd. They
provide total PV power solutions
technologies.

(Annexure CCU_NOV4)
Som Sekhar Ganguly
Energy

withMr. Sunil Sinnarkar, CEO,
Ksolare Energy Pvt Ltd. They are the
manufacturer of micro inverter, mini
inverter, string inverter, hybrid
inverter.Discussion took place
clean technologies.
(Annexure CCU_NOV9)
Som Sekhar Ganguly
Energy

withMs. Jacky, Assistant of Mr.
Sigvald Haryson, CEO,
InnoVentum. It offers innovative smallscale wind turbine, wind-solar and solar
systems. Discussion took place
regarding suitable companies in their
cluster/network interested for
collaboration in hydro turbines and
cooling tower.
Som Sekhar Ganguly
Energy

(Annexure
CCU_NOV11)

withMr. Monish Ahuja, Executive
Director, Bermaco Energy Ltd.They
have plans to set up biomass
plants.Discussion took place regarding
technologies.

(Annexure CCU_NOV
12)
Som Sekhar Ganguly
Energy

withMr. Parag Sharma, COO, Renew
Power. They are independent
renewable power producer.Discussion
took place regarding strategic interests
for EU clean technologies.

(Annexure CCU_NOV
14)
Som Sekhar Ganguly
Energy

withMr. C.S. Nirman, Director, Kshitiz
Solar Energy Pvt. Ltd.They have
products which includes Solar Lantern,
Solar Street Light & Home Light
System.Discussion took place
clean technologies.

(Annexure CCU_NOV
17)
Som Sekhar Ganguly
Energy

withMr. Girish, Marketing
Manager,Kotak Urja Private
Limited,They are an Indian company
which deals in solar PV and solar
thermal products. Discussion took

(Annexure CCU_NOV
21)
Som Sekhar Ganguly
Energy
Suman Lahiri, Regional Director,

EBTC Kolkata and Som Sekhar
Ganguly, Business Development
Executive, EBTC Kolkata metMr.
Sanjeev Roy, Senior Higher
Support European
Education Expert, EU Public
Higher Education Fair to
Diplomacy at EBTC Kolkata office.
get some speakers.
Discussion on probable moderators for (Annexure CCU_NOV
European Higher Education Fair.
23)
Suman Lahiri
Energy

withMs. Suchitra, Brand Manager,
Emmvee Solar.They are an Indian
company which deals in solar PV and
solar thermal products. Discussion took

(Annexure CCU_NOV
24)
Som Sekhar Ganguly
Energy

withMs. Shubhra, Director, Gautam
Solar Pvt Ltd. They are the
manufacturer of solar light and leading
provider of rooftop solar power plants.
technologies.

(Annexure CCU_NOV
25)
Som Sekhar Ganguly
Energy

Kolkatadropped an email to Mr. Rajiv
Mehta, Managing Director, ACE
Infrastructure Pvt Ltd.They are into all
types of innovative solutions for solar Introductory mail sent.
PV in all types of soil condition.The
agenda was regarding strategic
(Annexure CCU_NOV
interests for EU clean technologies.
27)
Som Sekhar Ganguly
Energy

Kolkata had a telephonic conversation
with Mr. John Malvea, General
Manager, Ajit Solar Pvt Ltd.They are
into production of world-class
photovoltaic modules Discussion was
clean technologies.

(Annexure CCU_NOV
29)
Som Sekhar Ganguly
Energy

Kolkata had a telephonic conversation
with Mr. Uday Thoria, Marketing
Manager, Euro Multivision.They are
into production of Multi-crystalline solar Introductory mail sent.
cells and modules. Discussion was
(Annexure CCU_NOV
clean technologies.
31)
Som Sekhar Ganguly
Energy

Kolkata had a virtual discussion
with Mr. Harish Valecha of Kosol
Hiramrut Energies Pvt Ltd. It
develops solar systems. Discussion
took place regarding strategic interests
for EU clean technology.
Introductory Mail
forwarded. Follow up will
continue.(Annexure
CCU_DEC4)
Som Sekhar Ganguly
Energy
Warkop Co. Ltd. HECL

presented about their
capability and
contribution. The visited
their machine shop,
fabrication shop, gear
manufacturing shop of
Heavy Machine Building
Plant. The Polish
companies expressed
about taking a agency in
India for manufacturing
the product locally. The
discussion was at initial
level and it was agreed
mutually to exchange
market information so as
to define modality of
association.As a matter
of fact, the eastern
region is well poised for
the EU Mining and
related companies to
explore as lot of miners
and metal processing
companies are housed
in this region because of
presence of mineral in
EBTC Kolkata had ameeting with Mr. the region. Also, the
J.P. Prasad, Sr. DGM, HECL who
mining and metal
visited EBTC Kolkata office.It was
companies an ample
found that HECL has demand in the
opportunity for clean
area of underground mining equipment technology applications
as well as they have some equipment in different areas across
that they want to export worldwide.
all EBTC sectors. It is
They were invited to the polish
thus important to open
delegation b2b meetings. EBTC can
up a mining and metals
take up the export business
sector at the EBTC
development with help of Steinbeis.
Kolkata office to cater to
This can be area of revenue
this lucrative sector.
generation.
(Annexure CCU_DEC6) Suman Lahiri
Cross-sector

with Mr. Vaibhav Kumar, DGM-Sales,
RRB Energy Ltd. It is into production
of wind electricity
generators.Discussion took place
clean technology.
Energy
Introductory Mail
continue.(Annexure
CCU_DEC9)
Som Sekhar Ganguly

with Mr. R. Nitin, Business
Development Head,
Suzlon.Discussion took place
regarding Suzlon's new venture into
solar power business and how EBTC
can provide its support to Suzlon.
Introductory Mail
continue.(Annexure
CCU_DEC10)
Som Sekhar Ganguly
Energy

with Mr. Madhu's, MD, Ammini Solar
Pvt Ltd office. It is into manufacturing
of of solar PV modules and solar
clean technology.
Introductory Mail
continue.(Annexure
CCU_DEC11)
Som Sekhar Ganguly
Energy

with Mr. Inteshar Memon, Assistant
Manager, Waaree Energies Ltd. It is
one of the major players in solar
panels, solar modules and solar
clean technology.
Introductory Mail
continue.(Annexure
CCU_DEC14)
Som Sekhar Ganguly
Energy

EBTC Kolkata metMr. Bipul
Chatterjee, Deputy Executive
Director, CUTS and Mr. P. Nath,
Analyst, CUTS at EBTC Kolkata
office.The report on the regional
cooperation of energy between India,
Nepal, Bhutan, Bangladesh and
Myanmmar was discussed.
It was decided to do the

studies in two parts
stretching the report
across two years.
Further input to ARE
concept note.(Annexure
CCU_DEC15)
Suman Lahiri
Energy

EBTC Kolkata metMr. Vijay Bhaskar,
Country Director, Mlinda
Foundationat Mlinda Foundation
Office. Discussion on organizing site
visits of Professor Dr. Elmar Steurer,
Hochschule Neu-Ulm University of
Applied Sciences, Germany and 2.
Professor Dr. Bernard Wagemann,
Site visit organized.
Hochschule Neu-Ulm University of (Annexure
Applied Sciences, Germany.
CCU_DEC16)

with Mr. mani of the Marcom
department,SWELECT Energy
Systems Ltd and dropped a mail
to Ms. Aarthi Balan, Director,
SWELECT Energy Systems Ltd. It is
a major player in power electronics and
renewable energy. Discussion took
EU clean technology.
Suman Lahiri
Introductory Mail
continue.(Annexure
CCU_DEC18)
Som Sekhar Ganguly
EBTC will work to find

possible linkages of EU
biotech associations and
EBTC Kolkata and Mr. Pradeep
companies with Indian
Kumar, MD and CEO, Symbio
Biotech companies and
Greentech Pvt Ltd. met Mr. Manoj
also discussed regarding
pant, Secretary, Department of
setting up an IP library.
Biotechnology, Government of West (Annexure
Bengal.
CCU_DEC19)
Suman Lahiri
Energy
Energy
Biotech

EBTC Kolkata,Som Sekhar Ganguly,
Business Development Executive,
EBTC Kolkata and Ananya Roy,
Communications Executive,
EBTC had ameeting with Mr. Sumit
Mullick, Vice Chairman, Ireland
India Business Association who
visited EBTC Kolkata office. Discussion
took place regarding opportunities for
Irish companies in India specially in
smart city, smart grid and biotech.
IIBA will work to develop

possible linkages of
cleantech associations
and companies of
Ireland with Indian
companies (Annexure
CCU_DEC20)
Suman Lahiri
Cross-sector

EBTC Kolkata andSom Sekhar
Ganguly, Business Development
Executive, EBTC Kolkata had a
meeting with Mr. A.K. Sinha,
Director,National Productivity
Council.Discussion took place
regarding introduction to EBTC and
opportunity to work in sponge iron
sectgor which is highly pollutive.
Both EBTC and National

productivity Council will
stay in touch and can
share information
regarding new
technologies.(Annexure
CCU_DEC 21)
Suman Lahiri
Energy
EBTC Region
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STRBI Table No. 01 - Indian Banking Sector at A Glance

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STRBI Table No. 01 - Indian Banking Sector at A Glance

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Indian Banking Sector at a Glance

Amount Outstanding (As at

Balance Sheet Operations

Loans and advances

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

Total consolidated international claims

Return on Asset (RoA) (Per cent)

Return on Equity (RoE) (Per cent)

Net Interest Margin (NIM) (Per cent)

Capital to risk weighted assets ratio (CRAR) @

Tier I capital (as percentage of total capital) @

CRAR (tier I) (Per cent) @

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

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

Provision Coverage Ratio (Per cent)**

Slippage ratio (Per cent)

Gross bank credit

Total number of debit cards (in million)

Total number of complaints received during the year

Total number of complaints addressed

Percentage of complaints addressed

Sectoral Deployment of Bank Credit #

Credit-deposit ratio (Per cent)

Number of new bank branches opened

Number of banking outlets in villages (Total)

mount Outstanding (As at

credit extended by all

Alom Extrusions Ltd

Vikram Solar Pvt Ltd

Hero Future Energies

Green Infra Limited

Sova Power Ltd.

C&S Electric Ltd.

Bermaco Energy Ltd.

Kshitiz Solar Ener

Kotak Urja Privat

Gautam Solar Pvt

Ajit Solar Pvt Ltd.

RRB Energy Ltd.

Ammini Solar Pvt

Ireland India Bus

Som Sekhar Ganguly, Business

Som Sekhar Ganguly

Som Sekhar Ganguly, Business

Introductory mail sent.

Som Sekhar Ganguly

Som Sekhar Ganguly, Business

Som Sekhar Ganguly

Som Sekhar Ganguly, Business

Som Sekhar Ganguly

Som Sekhar Ganguly, Business

Som Sekhar Ganguly

Som Sekhar Ganguly, Business

Som Sekhar Ganguly

Som Sekhar Ganguly, Business

Som Sekhar Ganguly

Som Sekhar Ganguly

Som Sekhar Ganguly, Business

Introductory mail sent.

Som Sekhar Ganguly, Business

Introductory mail sent.

Som Sekhar Ganguly