The Bank went a long way in terms of balance sheet utilization. Since 2002, loans have risen from 25% to 81% of deposits in 2012 (and nearly eight-fold in absolute terms).
Having said that, the asset quality remains pretty good. At the end of 2012, non-performing loans reached 2.5% of total loans, up from 1.2% a decade ago. Loan provisions covered over 42% of the troubled loans in 2012.