Banking

Key Banking Parameters (All Banks) as on 31.12.2021

Amount in Crore

Sr.	Parameters	Outstanding Amount
		Outstanding Amount			Dec-20		Dec-21
		Dec-19	Dec-20	Dec-21	Amt.	%	Amt.	%
1	Total number of Branches	7,866	8,021	8,034	155	1.97	13	0.16
2	Total number of ATMs	9,405	9,220	9,366	-185	-1.97	146	1.58
3	Total Deposits	4,18,919	4,64,171	5,13,301	45,252	10.80	49,130	10.58
4	Total Advances	3,29,107	3,50,880	3,79,045	21,773	6.62	28,165	8.03
5	Credit as per place of utilization	5,805	9,616	9,858	3,811	65.65	242	2.52
6	Credit Deposit Ratio	78.56	75.59	73.84	-3	-3.78	-2	-2.31
7	CD Ratio including credit as per place of utilization	79.95	77.66	75.77	-2	-2.85	-2	-2.45
8	Total Business [3+4]	7,48,026	8,15,051	8,92,346	67,025	8.96	77,295	9.48
9	Agriculture	1,08,215	1,15,006	1,26,492	6,791	6.28	11,486	9.99
10	% of Agriculture advances to Total advances [RBI Norm*: 18%]	32.88	32.78	33.37	0	-0.32	1	1.81
11	MSME	59,962	66,802	72,685	6,840	11.41	5,883	8.81
12	Education	2,640	2,764	2,682	124	4.70	-82	-2.97
13	Housing	38,792	41,567	44,544	2,775	7.15	2,977	7.16
14	Total Priority Sector Advances	1,99,715	2,17,014	2,35,522	17,299	8.66	18,508	8.53
15	% of Priority Sector advances to Total advances [RBI Norm*: 40%]	60.68	61.85	62.14	1	1.92	0	0.46
16	Total Non-Priority Sector Advances	1,29,392	1,33,866	1,43,523	4,474	3.46	9,657	7.21
17	Total NPA	36,651	31,964	37,409	-4,687	-12.79	5,445	17.03
18	% of NPA to total advances	11.14	9.11	9.87	-2	18.20	1	8.34

* For Domestic Commercial Banks

Key Highlights (Dec’21)

1. Reflecting the surge in business activities, bank credit rose sharply by 8.03% on Year-on-Year (YoY) basis on December 31, 2021. The YoY growth was 6.62% a year ago. The credit growth had been languishing in 2021 due to Covid-19. However, it has been showing some signs of improvement over the last couple of months on account of growth in retail and agriculture loans. The upturn in the economy is creating demand in the busy season that began in Oct’21. There was also a rise in use of credit limits by corporates and business at the end of Dec’2021 quarter. The Government’s initiatives to push credit to the productive sectors through government-guaranteed schemes have helped creating demand.

2. The bank credit growth is expected to be in the range of 8-9 per cent for FY22. The support is also expected to come from a rise in government and private capital expenditure in road, renewables and production linked incentive (PLI) schemes, extended ECLGS support and retail credit push mortgage finance.

3. Deposits growth, on a year-on-year basis stood at 10.58% in Dec’21 as compared to 10.80% a year ago. There was a growth of Rs 1312 crore in PMJDY accounts y-o-y in Dec’21. The share of Current Account and Savings Account (CASA) in total deposits increased further to 48.6% in Dec’21 as compared to 47.2% a year ago.

4. The credit-deposit ratio (CD ratio) stood at 73.84% as of December 31, 2021 low from 75.59% at the end of previous year. Total business of the banks recorded 9.48% growth on a year-on-year basis in Dec’21 as against 8.96% growth a year ago.

Amount in crore

Agency	Deposits			Advances			Y-0-Y % Variation				CD Ratio
	Deposits			Advances			Deposits		Advances		CD Ratio
	Dec 19	Dec 20	Dec 21	Dec 19	Dec 20	Dec 21	Dec 20	Dec 21	Dec 20	Dec 21	Dec 20	Dec 21
CBs	3,68,662	4,06,265	4,53,804	2,74,559	2,91,914	3,12,569	10.02	11.7	6.3	7.1	71.9	68.9
RRBs	22,794	24,641	25,371	12,266	12,945	15,039	8.1	3.0	5.5	16.2	52.5	59.3
Co-Ope	25,354	30,587	30,564	36,084	37,982	40,619	20.6	-0.1	5.3	6.9	124.2	132.9
SFBs	2,109	2,678	3,562	6,198	8,039	10,818	27.0	33.0	29.7	34.6	300.2	303.7
Total	4,18,919	4,64,171	5,13,301	3,29,107	3,50,880	3,79,045	10.8	10.6	6.6	8.0	75.6	73.8

5. Credit to agriculture and allied activities grew by 9.99% y-o-y in Dec’21 as compared to 6.28% a year ago.

6. Non-Performing Assets increased by Rs 5445 crore y-o-y and stood 9.87% of total credit in Dec’21 as compared to 9.11% last year.

Deposits Growth over last few years

Y-O-Y Growth rate %	22.0%	13.1%	17.9%	3.0%	11.2%	8.5%	7.6%	7.8%	15.3%	4.9%
Y-O-Y Growth rate %	12-13	13-14	14-15	15-16	16-17	17-18	18-19	19-20	20-21	21-22 Q-3

Credit Growth over last few years

Y-O-Y Growth rate %	23.0%	18.3%	14.2%	18.1%	7.9%	13.7%	12.6%	8.0%	8.1%	5.6%
Y-O-Y Growth rate %	12-13	13-14	14-15	15-16	16-17	17-18	18-19	19-20	20-21	21-22 Q-3

Agriculture Credit growth over last few years

Growth under MSMEs, Priority Sector credit and advances to weaker sections over last few years

Key Banking Parameters of Scheduled Commercial Banks excluding Co-operative Banks-At a glance (as on 31.12.2021)

Amount in Crore

Sr.	Parameters	Outstanding Amount				Y-o-Y Variation
		Outstanding Amount				Dec-19		Dec-20		Dec-21
		Dec-18	Dec-19	Dec-20	Dec-21	Amt.	%	Amt.	%	Amt.	%
1	Total number of Branches	6,812	6,989	7,144	7,183	177	2.60	155	2.22	39	0.55
2	Total number of ATMs	9,424	9,383	9,198	9,340	-41	-0.44	-185	-1.97	142	1.54
3	Total Deposits	3,58,347	3,93,564	4,33,584	482737	35,217	9.83	40,020	10.17	49,153	11.34
4	Total Advances	2,58,213	2,93,022	3,12,898	338426	34,809	13.48	19,876	6.78	25,528	8.16
5	Credit as per place of utilization	9,590	5,805	9,616	9,858	-3,785	-39.47	3,811	65.65	242	2.52
6	Credit Deposit Ratio	72.06	74.45	72.17	70.11	2	3.33	-2	-3.07	-2	-2.85
7	CD Ratio including credit as per place of utilization	74.73	75.93	74.38	72.15	1	1.60	-2	-2.04	-2	-3.01
8	Total Business [3+4]	6,16,560	6,86,586	7,46,482	821163	70,026	11.36	59,896	8.72	74,681	10.00
9	Agriculture	70,683	77,181	82,067	90,908	6,498	9.19	4,886	6.33	8,841	10.77
10	MSME	50,434	59,518	64,785	70,717	9,084	18.01	5,267	8.85	5,932	9.16
11	Education	2,701	2,640	2,763	2,680	-61	-2.26	123	4.66	-83	-3.00
12	Housing	31,704	38,489	41,297	44,309	6,785	21.40	2,808	7.30	3,012	7.29
13	Total Priority Sector Advances	1,44,838	1,64,109	1,80,041	196002	19,271	13.30	15,932	9.71	15,962	8.87
14	Total Non-Priority Sector Advances	1,13,375	1,28,913	1,32,857	142424	15,538	13.71	3,944	3.06	9,566	7.20
15	Total NPA	29,814	29,682	24,602	30,522	-132	-0.44	-5,080	-17.11	5,920	24.06
16	% of NPA to total advances	11.55	10.13	7.86	9.02