Contents - આરબીઆઈ - Reserve Bank of India
Contents
Sr. No. |
Particulars |
Chapter I : Perspectives | |
1. |
Introduction |
2. |
Perspectives from Global Trends |
3. |
Perspectives on Indian Banking |
4. |
Conclusions |
Chapter II : Global Banking Developments | |
1.
|
Introduction |
2.
|
Global Macroeconomic Scenario |
3.
|
Global Financial Markets |
4.
|
Global Banking Developments |
5.
|
Conclusions |
Chapter III: Policy Environment | |
1. |
Introduction |
2. |
Monetary Policy |
3. |
Credit Delivery |
4. |
Financial Inclusion |
5. |
Prudential Regulation |
6. |
Supervision and Supervisory Policy |
7. |
Regional Rural Banks |
8. |
Cooperative Banks |
9. |
Non-Banking Financial Institutions |
10. |
Financial Markets |
11. |
Customer Service in Banks |
12. |
Payment and Settlement Systems |
13. |
Technological Developments |
14. |
Legal Reforms |
15. |
Conclusions |
Chapter IV: Operation and Performance of Commercial Banks | |
1. |
Introduction |
2. |
Balance Sheet Operations of Scheduled Commercial Banks |
3. |
Financial Performance of Scheduled Commercial Banks |
4. |
Soundness Indicators |
5. |
Sectoral Distribution of Bank Credit |
6. |
Operations of Scheduled Commercial Banks in Capital Market |
7. |
Shareholding Pattern in Scheduled Commercial Banks |
8. |
Technological Developments in Scheduled Commercial Banks |
9. |
Customer Services |
10. |
Financial Inclusion |
11. |
Spatial and Regional Distribution of Banking Services |
12. |
Regional Rural Banks |
13. |
Local Area Banks |
14. |
Conclusions |
Chapter V: Developments in Cooperative Banking | |
1. |
Introduction |
2. |
Urban Cooperative Banks |
3. |
Rural Cooperatives |
4. |
Role of NABARD in Rural Credit |
5. |
Conclusions |
Chapter VI: Non-Banking Financial Institutions | |
1. |
Introduction |
2. |
Financial Institutions |
3. |
Non-Banking Financial Companies |
4. |
Primary Dealers |
5. |
Conclusions |
List of Boxes |
|
I.1 |
The Capital and Liquidity Reform Package, July 2010 - Major Features |
II.1 |
Evolving Institutional Framework for Financial Stability |
III.1 |
Recent Developments in Basel Committee on Banking Supervision - Liquidity Risk |
III.2 |
Recommendations of the Committee on Recapitalisation of RRBs |
III.3 |
Green IT |
IV.1 |
Inter-linkages between Scheduled Commercial Banks and Mutual Funds |
IV.2 |
Base Rate System of Interest Rates –Features and Issues |
IV.3 |
Automated Data Flow in the Banking Sector : The Future of Effective Data Transmission and Management |
IV.4 |
RTGS and NEFT Systems: A Comparative Analysis of Scales of Operation |
V.1 |
Consolidation and Strengthening of the UCB Sector |
V.2 |
Actual RoA vis-à-vis Potential RoA – An Analysis of Scheduled Urban Cooperative Banks |
V.3 |
Liquidity Analysis of Urban Cooperative Banks |
V.4 |
Operations of PACS in India – Some Weak Spots |
VI.1 |
Infrastructure Finance Companies (IFCs) – Need for Separate Classification and Criteria for IFCs |
List of Tables |
|
I.1 |
Strengthened Capital Framework: From Basel II to enhanced Basel II |
I.2 |
Phase-in Arrangements |
I.3 |
Recapitalisation of Public Sector Banks |
II.1 |
Overview of the World Economic Outlook (WEO) Projections |
II.2 |
Growth in Bank Credit to Private Sector |
II.3 |
Banks’ Return on Equity |
II.4 |
Bank Non-performing Loans |
II.5 |
Bank Regulatory Capital to Risk-Weighted Assets |
IV.1 |
Consolidated Balance Sheet of Scheduled Commercial Banks |
IV.2 |
Growth in Balance Sheet of Scheduled Commercial Banks |
IV.3 |
Non-SLR Investments of Scheduled Commercial Banks |
IV.4 |
International Liabilities of Banks – By Type |
IV.5 |
International Assets of Banks - By Type |
IV.6 |
Classification of Consolidated International Claims of Banks - By Maturity and Sector |
IV.7 |
Consolidated International Claims of Banks on Countries other than India |
IV.8 |
Maturity Profile of Select Liabilities/Assets of Scheduled Commercial Banks |
IV.9 |
Trends in Income and Expenditure of Scheduled Commercial Banks |
IV.10 |
Cost of Funds and Returns on Funds - Bank Group-wise |
IV.11 |
Return on Assets and Return on Equity of SCBs – Bank Group-wise |
IV.12 |
Capital to Risk Weighted Assets Ratio - Bank group-wise |
IV.13 |
Component-wise Capital Adequacy of Scheduled Commercial Banks |
IV.14 |
Trends in Non-performing Assets - Bank Group-wise |
IV.15 |
Classification of Loan Assets - Bank Group-wise |
IV.16 |
Sector-wise NPAs of Domestic Banks |
IV.17 |
NPAs of SCBs Recovered through various Channels |
IV.18 |
Financial Assets Securitised by SCs/RCs |
IV.19 |
Trends in Provisions for Non-performing Assets – Bank Group-wise |
IV.20 |
Sectoral Deployment of Gross Bank Credit: Flows |
IV.21 |
Priority Sector Lending by Public and Private Sector Banks |
IV.22 |
Priority Sector Lending by Foreign Banks |
IV.23 |
Retail Loan Portfolio of SCBs |
IV.24 |
Public Issues by the Banking Sector |
IV.25 |
Resource Mobilisation through Euro Issues |
IV.26 |
Resources Raised by Banks through Private Placements |
IV.27 |
Risk-Return Performance, Turnover and Capitalisation of Bank Stocks |
IV.28 |
Public Sector Banks classified by Percentage of Private Shareholding |
IV.29 |
Public and Private Sector Banks Classified by Percentage of Foreign Shareholding |
IV.30 |
Computerisation in Public Sector Banks |
IV.31 |
Number of ATMs of SCBs |
IV.32 |
Complaints Received at Banking Ombudsman offices |
IV.33 |
Bank-Group-wise Complaints Received at Banking Ombudsman Offices – 2009-10 |
IV.34 |
Indicators of Financial Access and Depth, India compared with Select Asian peer group and OECD countries |
IV.35 |
Progress of Micro-finance Programmes |
IV.36 |
Number of Newly Opened Bank Branches at Tier 3-6 Centres |
IV.37 |
Number of ATMs Located at Various Centres |
IV.38 |
Overseas Operations of Indian Banks |
IV.39 |
Consolidated Balance Sheet of Regional Rural Banks |
IV.40 |
Financial Performance of Regional Rural Banks |
IV.41 |
Purpose-wise Distribution of Credit from Regional Rural Banks |
IV.42 |
Financial Performance of Local Area Banks |
IV.43 |
Profile of Local Area Banks |
V.I |
Grade-wise Distribution of Deposits and Advances of Urban Cooperative Banks |
V.2 |
Distribution of Urban Cooperative Banks by Size of Deposits and Advances |
V.3 |
Profile of Urban Cooperative Banks |
V.4 |
Liabilities and Assets of Urban Cooperative Banks |
V.5 |
Investments by Urban Cooperative Banks |
V.6 |
Composition of Investments of Scheduled and Non-Scheduled Urban Cooperative Banks |
V.7 |
Financial Performance of Urban Cooperative Banks |
V.8 |
Non-Performing Assets of UCBs |
V.9 |
Leverage Ratio (LR) and Distribution of UCBs According to CRAR |
V.10 |
Details of Deposits and Loans Accounts of UCBs |
V.11 |
Advances to Priority Sectors and Weaker Sections by Urban Cooperative Banks |
V.12 |
State-wise and Centre-wise Details of UCBs |
V.13 |
A Profile of Rural Cooperative Banks |
V.14 |
Elected Boards under Supersession |
V.15 |
Liabilities and Assets of State Cooperative Banks |
V.16 |
Salient Balance Sheet Indicators of Scheduled StCBs |
V.17 |
Financial Performance of State Cooperative Banks |
V.18 |
Soundness Indicators of State Cooperative Banks |
V.19 |
Liabilities and Assets of District Central Cooperative Banks |
V.20 |
Financial Performance of District Central Cooperative Banks |
V.21 |
Soundness Indicators of District Central Cooperative Banks |
V.22 |
Primary Agricultural Credit Societies -Select Balance Sheet Indicators |
V.23 |
Liabilities and Assets of State Cooperative Agriculture and Rural Development Banks |
V.24 |
Financial Performance of State Cooperative Agriculture and Rural Development Banks |
V.25 |
Soundness Indicators of State Cooperative Agriculture and Rural Development Banks |
V.26 |
Liabilities and Assets of Primary Cooperative Agriculture and Rural Development Banks |
V.27 |
Financial Performance of Primary Cooperative Agriculture and Rural Development Banks |
V.28 |
Soundness Indicators of Primary Cooperative Agriculture and Rural Development Banks |
V.29 |
Credit-Deposit Ratio of StCBs and DCCBs |
V.30 |
Business per Branch of Rural Cooperatives |
V.31 |
NABARD’s Credit to StCBs, State Governments and RRBs |
V.32 |
Tranche-wise Details of RIDF |
V.33 |
Number of Kisan Credit Cards Issued : Agency-wise and Year-wise |
VI.1 |
Ownership Pattern of FIs |
VI.2 |
Financial Assistance Sanctioned and Disbursed by Financial Institutions |
VI.3 |
Liabilities and Assets of Financial Institutions |
VI.4 |
Resources Mobilised by Financial Institutions |
VI.5 |
Resources Raised by Financial Institutions from the Money Market |
VI.6 |
Pattern of Sources and Deployment of Funds of Financial Institutions |
VI.7 |
Weighted Average Cost and Maturity of Long Term Resources Raised by Select Financial Institutions |
VI.8 |
Long-term PLR Structure of Select Financial Institutions |
VI.9 |
Financial Performance of Select All-India Financial Institutions |
VI.10 |
Select Financial Parameters of Financial Institutions |
VI.11 |
Net Non-Performing Assets of Financial Institutions |
VI.12 |
Asset Classification of Financial Institutions |
VI.13 |
Capital to Risk (weighted) Assets Ratio of Select Financial Institutions |
VI.14 |
Ownership Pattern of NBFCs |
VI.15 |
Profile of NBFCs |
VI.16 |
Consolidated Balance Sheet of NBFCs-D |
VI.17 |
Major Components of Liabilities of NBFCs-D by Classification of NBFCs |
VI.18 |
Public Deposits held by NBFCs-D by Deposit Ranges |
VI.19 |
Public Deposits held by NBFCs-D Region-wise |
VI.20 |
Public Deposits held by NBFCs-D - Deposit Interest Rate Range-wise |
VI.21 |
Maturity Profile of Public Deposits held by NBFCs-D |
VI.22 |
Sources of Borrowings by NBFCs-D by Classification of NBFCs |
VI.23 |
Major Components of Assets of NBFCs-D by Classification of NBFCs |
VI.24 |
Assets of NBFCs-D by Asset-Size Ranges |
VI.25 |
Assets of NBFCs-D by Activity |
VI.26 |
Financial Performance of NBFCs-D |
VI.27 |
NPA Ratios of NBFCs-D |
VI.28 |
NPAs of NBFCs-D by Classification of NBFCs |
VI.29 |
Classification of Assets of NBFCs-D by Classification of NBFCs |
VI.30 |
Capital Adequacy Ratio of NBFCs-D |
VI.31 |
Net Owned Fund vis-à-vis Public Deposits of NBFCs-D by Classification of NBFCs |
VI.32 |
Range of Net Owned Fund vis-à-vis Public Deposits of NBFCs-D |
VI.33 |
Profile of RNBCs |
VI.34 |
Public Deposits held by RNBCs - Region-wise |
VI.35 |
Investment Pattern of RNBCs |
VI.36 |
Consolidated Balance Sheet of NBFCs-ND-SI |
VI.37 |
Borrowings of NBFCs-ND-SI-By Region |
VI.38 |
Financial Performance of NBFCs-ND-SI |
VI.39 |
NPA Ratios of NBFCs-ND-SI |
VI.40 |
Dependence on Public Funds |
VI.41 |
Bank Exposure of NBFCs-ND-SI |
VI.42 |
Performance of the PDs in the Primary Market |
VI.43 |
Performance of the PDs in the Secondary Market |
VI.44 |
Sources and Applications of Funds of Primary Dealers |
VI.45 |
Financial Performance of Primary Dealers |
VI.46 |
Financial Indicators of Primary Dealers |
VI.47 |
Select Indicators of Primary Dealers |
List of Charts |
|
II.1 |
Global Money Market |
II.2 |
Sovereign CDS Spread of Euro Area Crisis Countries |
II.3 |
Global Stock Markets |
II.4 |
Global Banking Stock indices |
II.5 |
CDS Spread of Banks |
II.6 |
US Corporate and Government and Bond Yields |
II.7 |
Changes in International Liabilities of Banks |
II.8 |
US Loan Deliquency Rates |
IV.1 |
Percentage Share of Banks Groups in Total Assets of Banking Sector |
IV.2 |
Percentage Contribution of CASA to Incremental Deposits |
IV.3 |
Percentage Contribution of Investments in Approved and Non-approved Securities to Incremental Investments |
IV.4 |
Composition of banks’ Non-SLR Investments |
IV.5 |
Incremental Credit- and Investment-Deposit Ratios of SCBs |
IV.6 |
Bank group-wise Credit-Deposit Ratio (Outstanding) |
IV.7 |
Percentage Share of Off-Balance Sheet (notional) and On-Balance Sheet Liabilities in Total Liabilities of each Bank Group |
IV.8 |
Trends in Net Profits of SCBs |
IV.9 |
Trends in Net Interest Margin and Return on Assets |
IV.10 |
Deposit and Lending Rates of Public Sector Banks |
IV.11 |
Trends in Growth of Gross Advances and Gross NPAs of SCBs |
IV.12 |
Percentage Distribution of NPAs by Asset Types |
IV.13 |
Priority and Non-Priority Sector NPA Ratios of Domestic Banks |
IV.14 |
Ratio of NPAs to Advances of Weaker Sections of Domestic Banks |
IV.15 |
Amount of NPAs Recovered as per cent of NPAs Involved under Various Recovery Channels |
IV.16 |
Percentage Shares of Various Agencies in Financial Assets Securitised by SCs/RCs |
IV.17 |
Trends in Coverage and Gross NPA Ratios of SCBs |
IV.18 |
Trends in Leverage Ratio and CRAR of SCBs |
IV.19 |
Trends in IIP and Credit Growth |
IV.20 |
Percentage Contribution of Various Sectors to Incremental Bank Credit |
IV.21 |
Sectoral Credit to Sectoral GDP Ratio |
IV.22 |
Trends in Infrastructural Credit |
IV.23 |
Rate of Growth and Percentage Share of Retail Credit of SCBs |
IV.24 |
Rate of Growth and Percentage Share of Sensitive Sector Credit of SCBs |
IV.25 |
Resources Raised by SCBs through Public Issues and Private Placement |
IV.26 |
Growth in Number of ATMs of SCBs |
IV.27 |
Ratio of Turnover in Electronic Payment Systems to GDP |
IV.28 |
Percentage Shares of Bank Groups in Total Number of Complaints |
IV.29 |
Percentage Share of Complaints related to SCBs by Major Type |
IV.30 |
Amount of credit outstanding and savings per SHG |
IV.31 |
Population per Bank Branch |
IV.32 |
Population per Bank Branch by Region |
IV.33 |
Population per ATM |
IV.34 |
Percentage Share of ATMs Located at Various Centres |
IV.35 |
Share of Top 100 Centres in Total Amount of Deposits and Bank Credit |
IV.36 |
Region-wise Amount of Deposits and Credit per Capita |
IV.37 |
Number of Branches of Foreign Banks in India and Indian Banks Abroad |
IV.38 |
Return on Assets and Net Interest Margin of LABs |
V.1 |
Structure of Cooperative Credit Institutions in India |
V.2 |
Asset Size-wise Distribution of UCBs |
V.3 |
Return on Assets of Scheduled UCBs |
V.4 |
NPA Ratios of Urban Cooperative Banks |
V.5 |
CRAR of Scheduled UCBs |
V.6 |
Composition of Advances of UCBs to Priority sectors and Weaker Sections |
V.7 |
Distribution of Banking Business of UCBs |
V.8 |
Composition of Non-Performing Assets of State Cooperative Banks |
V.9 |
Composition of Non-Performing Assets of District Central Cooperative Banks |
V.10 |
Loans Sanctioned and Disbursed as per cent of Total Funds of RIDF |
V.11 |
Share of Bank Groups in the number of KCCs Issued and Amount Sanctioned under KCC |
VI.1 |
Net Non-Performing Assets/Net Loans |
VI.2 |
Number of NBFCs Registered with Reserve Bank of India |
VI.3 |
Ratio of Public Deposits of NBFCs to Broad Liquidity (L3) and Aggregate Deposits of SCBs |
VI.4 |
Share of Public Deposits held by NBFCs-D-by Deposits Ranges |
VI.5 |
Share of Public Deposits held by NBFCs-D Region-wise |
VI.6 |
Public Deposits held by NBFCs-D-Deposit Interest Rate Range-wise |
VI.7 |
Maturity Pattern of Public Deposits held by NBFCs-D |
VI.8 |
Financial Performance of NBFCs-D |
List of Appendix Tables |
|
IV.1 |
Off-Balance Sheet Exposure of Scheduled Commercial Banks in India |
IV.2(A) |
Non-Performing Assets of Public Sector Banks - Sector-wise |
IV.2(B) |
Non-Performing Assets of Private Sector Banks - Sector-wise |
IV.2(C) |
Non-Performing Assets of Foreign Banks - Sector-wise |
IV.3(A) |
Non-Performing Assets in Advances to Weaker Sections Public Sector Banks |
IV.3(B) |
Non-Performing Assets in Advances to Weaker Sections Private Sector Banks |
IV.4(A) |
Advances of Public Sector Banks to Agriculture and Weaker Sections |
IV.4(B) |
Advances of Private Sector Banks to Agriculture and Weaker Sections |
IV.4(C) |
Advances of Foreign Banks to Micro and Small Enterprises (MSE) and Export Sectors |
IV.5(A) |
Targets Achieved by Public Sector Banks under the Priority Sector |
IV.5(B) |
Targets Achieved by Private Sector Banks under the Priority Sector |
IV.5(C) |
Targets Achieved by Foreign Banks under the Priority Sector |
IV.6 |
Bank Group-wise Lending to the Sensitive Sectors |
IV.7 |
Share Prices and Price/Earning Ratios of Bank Stocks at BSE |
IV.8 |
Shareholding Pattern of Scheduled Commercial Banks |
IV.9 |
Computerisation in Public Sector Banks |
IV.10 |
Expenditure Incurred on Computerisation and Development of Communication Networks by Public Sector Banks |
IV.11 |
Branches and ATMs of Scheduled Commercial Banks |
IV.12 |
Statement of Complaints Received at Banking Ombudsman Office |
IV.13 |
Credit-Deposit Ratio and Investment plus Credit-Deposit Ratio of Scheduled Commercial Banks - Region/State-wise |
V.1 |
Select Financial Parameters of Scheduled UCBs |
V.2 |
Major Indicators of Financial Performance of Scheduled UCBs |
V.3 |
Working Results of State Cooperative Banks - Region and State-wise |
V.4 |
Working Results of District Central Cooperative Banks - State-wise |
V.5 |
Select Indicators of Primary Agricultural Credit Societies-State wise |
V.6 |
Working Results of State Cooperative Agriculture and Rural Development Banks - State-wise |
V.7 |
Working Results of Primary Cooperative Agriculture and Rural Development Banks -State-wise |
V.8 |
Sanctions and Disbursements Under RIDF - State-wise |
V.9 |
Kisan Credit Card Scheme: State-wise Progress |
VI.1 |
Financial Assistance Sanctioned and Disbursed by Financial Institutions |
VI.2 |
Financial Performance of Primary Dealers |
VI.3 |
Select Financial Indicators of Primary Dealers |