Contents

RbiAnnouncementWeb

Research and Publication Banner

Asset Publisher

প্ৰকাশ কৰা তাৰিখ ডিচেম্বৰ 21, 2017

Sr. No.	Particulars
Chapter I: Perspectives on the Indian Banking Sector
I	Introduction
II	Emerging Issues and Policy Responses
III	The Way Forward
Chapter II: Global Banking Developments
I	Introduction
II	The Macro-Financial Environment
III	Banking Developments: Select Advanced and Emerging Market Economies
IV	World’s Biggest Banks: Profitability, Health and Soundness
V	Global Policy Reforms
VI	Summing Up
Chapter III: Policy Environment
I	Introduction
II	Monetary Policy and Liquidity Management
III	Credit Delivery
IV	Financial Inclusion
V	Prudential Regulatory Policy
VI	Supervisory Policy
VII	Non-Banking Financial Companies (NBFCs)
VIII	Customer Service / Customer Protection in Banks
IX	Payment and Settlement Systems
X	Banking Sector Legislations
XI	Overall Assessment
Chapter IV: Insolvency and Bankruptcy Code and Bank Recapitalisation
I	Introduction
II	Insolvency and Bankruptcy Code, 2016
III	Recapitalisation of Banks
IV	Summing Up
Chapter V: Operations and Performance of Commercial Banks
I	Introduction
II	Balance Sheet Operations of Scheduled Commercial Banks
III	Financial Performance of Scheduled Commercial Banks
IV	Soundness Indicators
V	Sectoral Distribution of Bank Credit
VI	Operations of Scheduled Commercial Banks in the Capital Market
VII	Ownership Pattern in Scheduled Commercial Banks
VIII	Foreign Banks’ Operations in India and Overseas Operations of Indian Banks
IX	Payment System Indicators of Scheduled Commercial Banks
X	Customer Service
XI	Financial Inclusion
XII	Regional Rural Banks
XIII	Local Area Banks
XIV	Small Finance Banks
XV	Overall Assessment
Chapter VI: Developments in Co-operative Banking
I	Introduction
II	Urban Co-operative Banks
III	Rural Co-operatives
IV	A Comparative Assessment of Short-term and Long-term Rural Credit Co-operatives
V	Overall Assessment
Chapter VII: Non-Banking Financial Institutions
I	Introduction
II	Non-Banking Financial Companies
III	Payments Banks
IV	All India Financial Institutions
V	Primary Dealers
VI	Recent Developments
VII	Overall Assessment
List of Boxes
I.1	Proportionality in Banking Regulation - A Global Perspective
I.2	The FinTech Revolution: Impetus, Opportunities and Risks
II.1	Prompt Corrective Action across Jurisdictions
II.2	Role of Macroprudential Policies in the post- Global Financial Crisis Period
III.1	Narrow Measure of Shadow Banking
IV.1	Recovery of NPAs - Role of Different Factors
V.1	NPAs and Credit Cycles in India - Priority versus Non-Priority Sectors
VI.1	What Drives the Profitability of Scheduled and Non-scheduled UCBs?: A Du Pont Analysis
VII.1	Factors Influencing NBFCs’ Credit Growth
VII.2	Account Aggregator: A Cross-Country Analysis
List of Tables
II.1	Ratio of Non-performing Loans and Advances (NPL Ratio, Per cent)
II.2	Adoption Status of Basel III - Number of Basel Committee Member Jurisdictions (End-March 2017)
II.3	Implementation of Reforms - Resolution (As of end-June 2017)
II.4	Implementation of Reforms - Over-the-Counter Derivatives (As of end-June 2017)
II.5	Implementation of Reforms - Shadow Banking (As of end-June 2017)
IV.1	Transactions under Corporate Insolvency Resolution Process
IV.2	Initiation of Corporate Insolvency Transactions
IV.3	Progress in Registration of Insolvency Professionals (As on September 30, 2017)
IV.4	Recapitalisation: Experience of Advanced Economies
V.1	Trends in Flow of Financial Resources to the Commercial Sector from Banks and Non-banks
V.2	Consolidated Balance Sheet of Scheduled Commercial Banks
V.3	Public Issues by the Banking Sector
V.4	Resources Raised by Banks through Private Placements
V.5	International Assets of Banks in India - By Type of Instruments (Based on LBS Statements)
V.6	International Liabilities of Banks in India - By Type of Instruments (Based on LBS Statements)
V.7	Maturity (Residual) and Sectoral Classification of Consolidated International Claims of Banks
V.8	Consolidated International Claims of Banks on Countries other than India
V.9	Bank Group-wise Maturity Profile of Select Liabilities / Assets (As at end-March)
V.10	Trends in Income and Expenditure of Scheduled Commercial Banks
V.11	Return on Assets and Return on Equity of SCBs - Bank Group-wise
V.12	Cost of Funds and Return on Funds - Bank Group-wise
V.13	Component-wise Capital Adequacy of SCBs (As at end-March)
V.14	Trends in Non-performing Assets - Bank Group-wise
V.15	Classification of Loan Assets - Bank Group-wise (As at end-March)
V.16	Sector-wise NPAs of Banks (As at end-March)
V.17	Revised PCA Matrix - Indicators and Risk Thresholds
V.18	NPAs of SCBs Recovered through Various Channels
V.19	Details of Financial Assets Securitised by SCs / RCs
V.20	Sectoral Deployment of Gross Bank Credit
V.21	Retail Loan Portfolio of Banks
V.22	Priority Sector Lending by Banks (As at March 31, 2017)
V.23	Overseas Operations of Indian Banks (As at end-March)
V.24	ATMs of Scheduled Commercial Banks (As at end-March 2017)
V.25	Credit and Debit Cards Issued by Scheduled Commercial Banks (As at end-March 2017)
V.26	Region-wise Complaints Received at Banking Ombudsman Offices
V.27	Progress under Financial Inclusion Plans, All SCBs including RRBs
V.28	Tier-wise Break-up of Newly Opened Bank Branches
V.29	Percentage Share of ATMs of SCBs at Various Centres (As at end-March 2017)
V.30	Progress of Microfinance Programmes (As at end-March)
V.31	Financial Inclusion in BRICS and Other Emerging Economies, 2016
V.32	Purpose-wise Outstanding Advances by RRBs (As at end-March)
V.33	Consolidated Balance Sheet of Regional Rural Banks
V.34	Financial Performance of Regional Rural Banks
V.35	Profile of Local Area Banks (As at end-March)
V.36	Financial Performance of Local Area Banks
V.37	Consolidated Balance Sheet of Small Finance Banks
V.38	Purpose-wise Outstanding Advances by Small Finance Banks
V.39	Financial Performance of Small Finance Banks
VI.1	Tier-wise Distribution of Urban Co-operative Banks (End-March 2017)
VI.2	Distribution of UCBs by Deposits and Advances (End-March 2017)
VI.3	Liabilities and Assets of Urban Co-operative Banks (End-March)
VI.4	Investments by Urban Co-operative Banks
VI.5	Rating-wise Distribution of UCBs (End-March 2017)
VI.6	CRAR-wise Distribution of UCBs (End-March 2017)
VI.7	Non-performing Assets of UCBs (End-March)
VI.8	Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks
VI.9	Select Indicators of Profitability of UCBs
VI.10	Composition of Credit to Priority Sectors by UCBs (End-March 2017)
VI.11	A Profile of Rural Co-operatives (As at end-March 2016)
VI.12	Share in Credit Flow - Rural Co-operatives
VI.13	Liabilities and Assets of State Co-operative Banks
VI.14	Select Banking Indicators of Scheduled State Co-operative Banks
VI.15	Financial Performance of State Co-operative Banks
VI.16	Soundness Indicators of State Co-operative Banks
VI.17	Regional Disparity in Financial Health of StCBs
VI.18	Liabilities and Assets of District Central Co-operative Banks
VI.19	Financial Performance of District Central Co-operative Banks
VI.20	Soundness Indicators of District Central Co-operative Banks
VI.21	Regional Disparity in Financial Health of DCCBs
VI.22	Primary Agricultural Credit Societies - Select Balance Sheet Indicators
VI.23	Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks
VI.24	Financial Performance of State Co-operative Agriculture and Rural Development Banks
VI.25	Asset Quality of State Co-operative Agriculture and Rural Development Banks
VI.26	Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks
VI.27	Financial Performance of Primary Co-operative Agriculture and Rural Development Banks
VI.28	Asset Quality of Primary Co-operative Agriculture and Rural Development Banks
VI.29	Comparison of Assets, Credit and Capital Size of SCARDBs and StCBs
VII.1	Classification of NBFCs Based on Activity
VII.2	Consolidated Balance Sheet of NBFCs (End-March)
VII.3	Credit to Select Sectors by NBFCs (End-March)
VII.4	Financial Parameters of the NBFC Sector (End-March)
VII.5	Classification of NBFCs’ Assets
VII.6	Ownership Pattern of NBFCs-ND-SI (End-March)
VII.7	Consolidated Balance Sheet of NBFCs-ND-SI (End-March)
VII.8	Major Components of Liabilities and Assets of NBFCs-ND-SI by Classification of NBFCs (End-March)
VII.9	Sources of Borrowings of NBFCs-ND-SI (End-March)
VII.10	Financial Performance of NBFCs-ND-SI
VII.11	Bank Exposure to NBFCs-ND-SI Sector (End-March 2017)
VII.12	Ownership Pattern of NBFCs-D (End-March)
VII.13	Consolidated Balance Sheet of NBFCs-D (End-March)
VII.14	Major Components of Liabilities and Assets of NBFCs-D by Classification of NBFCs (End-March)
VII.15	Financial Ratios of NBFCs-D (End-March)
VII.16	Brief Profile of Payments Banks
VII.17	Select Financial Parameters of Payments Banks (End-March 2017)
VII.18	Select Financial Ratios of Payments Banks (End-March 2017)
VII.19	Ownership Pattern of AIFIs (End-March 2017)
VII.20	Financial Assistance Sanctioned and Disbursed by AIFIs
VII.21	AIFIs’ Balance Sheet
VII.22	Resources Raised by AIFIs from the Money Market (End-March)
VII.23	Pattern of AIFIs’ Sources and Deployment of Funds
VII.24	Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs
VII.25	Financial Performance of Select AIFIs
VII.26	AIFIs’ Financial Ratios
VII.27	AIFIs’ Select Financial Parameters
VII.28	AIFIs’ Net NPAs
VII.29	AIFIs’ Assets Classification
VII.30	Performance of PDs in the Primary Market
VII.31	Performance of SPDs in the G-secs Secondary Market
VII.32	Sources and Applications of SPDs’ Funds
VII.33	Financial Performance of SPDs
VII.34	SPDs’ Financial Indicators
VII.35	Abridged Balance Sheet of NBFCs
VII.36	Weighted Average Lending Rates of Various Categories of NBFCs-ND-SI
List of Charts
II.1	The Macro Backdrop
II.2	Credit Growth in Select Economies
II.3	Credit to Households
II.4	Return on Assets: Select Economies
II.5	Capital to Risk Weighted Assets Ratio (CRAR): Select Economies
II.6	Non-performing Loans Ratio: Select Economies
II.7	Leverage Ratio: Select Economies
II.8	Market-based Indicators of Bank Health
II.9	Credit and Deposit Growth: USA
II.10	Improving Asset Quality: US Banks
II.11	Bank Credit and Deposits: UK
II.12	Bank Credit in the UK: Availability and Quality
II.13	Bank Assets and Lending in the Euro Area
II.14	Drivers of Deposit Growth: Euro Area
II.15	The Chinese Banking System - A Snapshot
II.16	The Brazilian Banking Sector - A Snapshot
II.17	The Russian Banking Sector - A Snapshot
II.18	Distribution of the World’s Largest Banks: Capital and Assets
II.19	Return and Asset Quality
II.20	Bank Soundness
II.21	Capital Adequacy versus Profitability versus Asset Quality
IV.1	Capital Infusion by the Government in PSBs
V.1	Growth in Select Banking Aggregates
V.2	Bank Group-wise Growth in Advances
V.3	Growth in CASA and Term-deposits, Bank Group-wise
V.4	Trends in Outstanding C-D Ratio (End-March)
V.5	Trends in Maturity Profile of Assets and Liabilities
V.6	Growth in Balance Sheet and Off-balance Sheet Transactions
V.7	Composition of Off-Balance Sheet Exposures of the Banking Sector - 2016-17
V.8	CRAR - Bank Group-wise
V.9	Leverage Ratio - Bank Group-wise
V.10	Liquidity Coverage Ratio
V.11	Restructured Standard Advances as per cent of Gross Advances
V.12	Share of Loan Accounts with Possible Stress in Total Funded Amount Outstanding in case of Large Borrowal Accounts
V.13	Slippage Ratio
V.14	Stressed Assets to Gross Advances in Select Industries (End-March)
V.15	GNPA Ratio for Select Sectors
V.16	Provision Coverage Ratio
V.17	Stressed Asset Sale to SCs / RCs
V.18	Growth in Credit to Major Sectors
V.19	Growth in Credit to Priority Sectors
V.20	Relative Performance of Bank Indices and Nifty 50
V.21	Bank Group-wise Share in Total Assets and Profits of Banking Sector (End-March)
V.22	Public Shareholding in Select PSBs
V.23	Instruments of Retail Payments
V.24	Growth of ATMs
V.25	Trends in Debit and Credit Cards
V.26	Progress of Pre-paid Payment Instruments
V.27	Population Group-wise Distribution of Complaints Received at BOs
V.28	Share of Major Types of Complaints
V.29	Number of Complaints per Bank Branch / Account - 2016-17
V.30	Banking Outlets in Villages (Percentage Share in Total)
V.31	Bank Group-wise Share in PMJDY Accounts (As on December 6, 2017)
V.32	Average Balance in PMJDY Accounts
V.33	Banking Penetration across Regions
V.34	Distribution of ATMs
VI.1	Structure of Co-operative Credit Institutions in India (End-March 2017)
VI.2	The Structure of Co-operatives by Asset Size
VI.3	Fall in Number of UCBs since 2005
VI.4	Geographical Distribution of UCB Mergers (Cumulative basis as at end-March 2017)
VI.5	Asset Growth of UCBs
VI.6	Rise of the Tier II UCBs (End-March)
VI.7	Changing Distribution of Deposits of UCBs (End-March)
VI.8	Distribution of UCBs by Deposits versus Advances (End-March 2017)
VI.9	Distribution of UCBs by Asset Size (End-March)
VI.10	Asset Share of Scheduled UCBs (End-March)
VI.11	Credit to Deposit Ratio (End-March)
VI.12	Investment to Deposit Ratio (End-March)
VI.13	SLR and Non-SLR Investments of UCBs: End-March (y-o-y percentage variation)
VI.14	Distribution of Number and Business of UCBs - by Rating Categories
VI.15	UCBs with CRAR above 9 Per cent
VI.16	Growth in Net Worth and Assets
VI.17	Non-performing Assets: UCBs versus SCBs
VI.18	NPAs and PCR - UCBs
VI.19	NPAs to Net Worth Ratio for UCBs (End-March)
VI.20	Non-interest Income Share of UCBs
VI.21	Share of Non-interest Income versus Capital Buffer - Scheduled UCBs
VI.22	Profitability Indicators - UCBs
VI.23	Profitability Indicators - SUCBs versus NSUCBs
VI.24	Priority Sector Lending - UCBs (Share in Total Advances)
VI.25	Advances to Weaker Sections by UCBs
VI.26	Share of Short-term versus Long-term Co-operatives in Total Assets of Rural Co-operatives: End-March
VI.27	Change in Number of Rural Co-operatives between March 2015 and March 2016
VI.28	Soundness Indicators of StCBs
VI.29	Regional Trends in NPAs and Recovery
VI.30	Regional Disparity in Financial Health of StCBs
VI.31	Growth in Loans - StCBs versus DCCBs
VI.32	Credit-Deposit Ratio
VI.33	Soundness Indicators of DCCBs
VI.34	NPAs and Recovery - StCBs versus DCCBs (End-March)
VI.35	Share of Operating Expenses in Total Expenses
VI.36	Regional Trends in NPAs and Recovery - DCCBs
VI.37	Regional Disparity in Financial Health of DCCBs
VI.38	Growth in Outstanding Credit of PACS
VI.39	Resource Composition - Short-term Co-operatives
VI.40	Member Share by Category
VI.41	Borrower to Member Ratio by Category
VI.42	Borrower to Member Ratio - Shortfall from 50 Per cent Access
VI.43	Growth in Loans Disbursed by PACS
VI.44	Percentage of PACS in Profit and Loss
VI.45	Net Profit to Loans and Advances Ratio of the Short-term Credit Institutions
VI.46	Net Profit of PACS by Region
VI.47	Percentage of PACS in Profit and Loss - Regional Level (End-March 2016)
VI.48	DCCB Licensing Waterfall
VI.49	Capital-to-Assets Ratio
VI.50	CRAR: StCBs and DCCBs
VI.51	Balance Sheet Insights - SCARDBs
VI.52	NPAs and Recovery - SCARDBs
VI.53	NPA Ratios: A Comparison
VI.54	Region-wise Position of Financial Health of SCARDBs
VI.55	Profitability Indicators of PCARDBs
VI.56	Financial Health of PCARDBs vis-a-vis SCARDBs
VI.57	StCBs versus SCARDBs - By RoA
VII.1	Non-Banking Financial Institutions Regulated by the Reserve Bank of India
VII.2	Number of Registrations and Cancellations of CoR of NBFCs
VII.3	Exposure to Sensitive Sectors as a per cent of Total Assets (End-March)
VII.4	Profitability Ratios of NBFCs (End-March)
VII.5	Asset Quality of NBFCs (End-March)
VII.6	Capital Adequacy of NBFC Sector (End-March)
VII.7A	Gross NPAs as a percentage of Gross Advances of NBFCs-ND-SI (End-March)
VII.7B	Net NPAs of NBFCs-ND-SI (End-March)
VII.8	Category-wise CRAR of NBFCs-ND-SI (End-March)
VII.9A	Public Deposits of NBFCs-D (End-March)
VII.9B	Ratio of Public Deposits of NBFCs-D to SCBs' Aggregate Deposits (End-March)
VII.10	Select Financial Parameters of NBFCs-D (End-March)
VII.11	Gross NPA Ratio of NBFCs-D (End-March)
VII.12	Gross and Net NPA Ratio of NBFCs-D (End-March)
VII.13	Capital to Risk (Weighted) Assets Ratio of NBFCs-D (End-March)
VII.14	Balance Sheet of Payments Banks (End-March 2017)
VII.15	Long-term PLR Structure of Select AIFIs
VII.16	Average RoA of AIFIs
VII.17	Capital to Risk (Weighted) Assets Ratio of AIFIs
VII.18	Average Rate of Underwriting Commission of PDs
VII.19	Capital and Risk Weighted Asset Position of SPDs
VII.20	Growth Rates of Credit of NBFCs and Banks
VII.21	Sectoral Credit Deployment by NBFCs-ND-SI
VII.22	GNPA Ratio of NBFCs-ND-SI
List of Appendix Tables
V.1	Indian Banking Sector at a Glance
V.2	Off-Balance Sheet Exposure of Scheduled Commercial Banks in India
V.3	Kisan Credit Card Scheme: State-wise Progress (As at end-March 2017)
V.4	Bank Group-wise Lending to the Sensitive Sectors (As at end-March)
V.5	Shareholding Pattern of Domestic Scheduled Commercial Banks (As at end-March 2017)
V.6	Branches and ATMs of Scheduled Commercial Banks (As at end-March 2017)
V.7	Statement of Complaints Received at Banking Ombudsman Office (For the Period 2016-17)
VI.1	Select Financial Parameters of Scheduled UCBs (As at end-March 2017)
VI.2	Major Indicators of Financial Performance of Scheduled UCBs
VI.3	Salient Indicators of Financial Health of State Co-operative Banks - Region and State-wise (As at end-March)
VI.4	Salient Indicators of Financial Health of District Central Co-operative Banks - Region and State-wise (As at end-March)
VI.5	Select Indicators of Primary Agricultural Credit Societies - State-wise (As at end-March 2016)
VI.6	Major Financial Indicators of State Co-operative Agriculture and Rural Development Banks – State-wise (As at end-March)
VI.7	Major Financial Indicators of Primary Co-operative Agriculture and Rural Development Banks – State-wise (As at end-March)
VII.1	Credit to Various Sectors by NBFCs (End-March)
VII.2	Financial Assistance Sanctioned and Disbursed by Financial Institutions
VII.3	Financial Performance of Primary Dealers
VII.4	Select Financial Indicators of Primary Dealers