Page
Official Website of Reserve Bank of India
83693917
પ્રકાશિત તારીખ
ડિસેમ્બર 29, 2016
Contents
| List of Select Abbreviations |
| Chapter I : Perspective and Policy Environment |
| Introduction |
| Major policy measures for scheduled commercial banks |
| Measures for improving the system's ability to deal with distress |
| Supervisory measures |
| Measures for broadening and deepening access to finance |
| Other measures |
| Regulatory and supervisory measures in the co-operative and non-banking segments |
| Way forward for the banking sector |
| Chapter II : Operations and Performance of Scheduled Commercial Banks |
| Consolidated operations |
| Current and saving account deposits |
| Credit-deposit ratio |
| Maturity profiles of liabilities and assets |
| Off-balance sheet operations |
| Financial performance of SCBs |
| Bank group-wise share in assets and profits |
| Recovery of NPAs |
| Priority sector credit |
| Priority sector lending certificates |
| Retail credit |
| Credit to sensitive sectors |
| SCBs’ ownership patterns |
| Regional rural banks |
| Local area banks |
| Customer services |
| Growth in ATMs |
| Distribution of ATMs |
| Off-site ATMs |
| White label ATMs |
| Debit and credit cards |
| Prepaid payment instruments |
| Chapter III : Developments in Co-operative Banking |
| Introduction |
| Urban co-operative banks |
| Balance sheet operations |
| Profitability |
| Asset quality |
| Developments with regard to UCBs |
| Implementation of core banking solution |
| Trends for scheduled UCBs |
| Priority sector advances of UCBs |
| Rural co-operative banks |
| Short term rural credit institutions – StCBs and DCCBs |
| Developments with regard to DCCBs |
| Primary agricultural credit societies (PACS) |
| Long term rural credit |
| SCARDBs |
| PCARDBs |
| Chapter IV : Non-Banking Financial Institutions |
| Introduction |
| All India financial institutions (AIFIs) |
| Balance sheet |
| Financial performance |
| Return on assets (RoA) |
| Capital adequacy |
| Asset quality |
| Non-banking financial companies |
| Deposit-taking NBFCs (NBFCs-D) |
| Balance sheet |
| Aggregate public deposits of NBFCs-D |
| Financial performance |
| NPA position of NBFCs-D |
| Non-deposit taking systemically important NBFCs (NBFCs-ND-SI) |
| Balance sheet |
| Asset quality |
| Primary dealers (PDs) |
| Financial performance of standalone primary dealers |
| Capital adequacy position of standalone PDs |
| Overall assessment of the NBFC sector |
| Chapter V : Financial Inclusion: Policy and Progress |
| Financial inclusion: policy approach and interventions |
| Allowing correspondent banking |
| Providing banking services in villages with population more than 2,000 |
| Opening banking outlets in unbanked villages with population less than 2,000 |
| Financial inclusion plans |
| Relaxed know your customer (KYC) requirements |
| Recent policy initiatives and developments |
| Revised priority sector lending guidelines |
| Priority sector lending certificates (PSLCs) |
| Phase III of FIP |
| Committee on medium-term path on financial inclusion |
| Financial Inclusion Advisory Committee (FIAC) |
| Roadmap for opening brick and mortar branches in villages with population more than 5,000 without a bank branch of a scheduled commercial bank |
| Streamlining the flow of credit to micro and small enterprises |
| Framework for the revival and rehabilitation of micro, small and medium enterprises |
| National Mission for Capacity Building of bankers for financing the MSME sector |
| Financial literacy initiatives |
| Functioning of financial literacy centres (FLCs) |
| Pilot project on setting up centres for financial literacy (CFLs) |
| Technical group on financial inclusion and financial literacy |
| Kiosk project |
| Financial education in school curriculum |
| The way forward |
| Improving financial literacy levels |
| Scaling-up the BC model |
| Accreditation of credit counsellors |
| List of Charts |
| 2.1 Trends in growth of select banking aggregates |
| 2.2 Bank-group wise growth in advances |
| 2.3 Growth in SCBs’ CASA deposits |
| 2.4 Trends in Outstanding C-D ratio (as on March 31, 2016) |
| 2.5 Maturity profiles of select liabilities/assets of SCBs |
| 2.6 Trends in SCBs’ maturity profiles of assets and liabilities |
| 2.7 Growth in SCBs’ off-balance sheet liabilities |
| 2.8 Growth of select items of income and expenditure |
| 2.9 Financial performance of SCBs |
| 2.10 Bank group-wise share in total assets and profits of the banking sector |
| 2.11 Trend in growth in priority sector credit |
| 2.12 Composition of retail loans (as at end-March, 2016) |
| 2.13 Growth in retail loans |
| 2.14 Growth in lending to sensitive sectors |
| 2.15 Financial performance of RRBs |
| 2.16 Return on assets and net interest margin of LABs |
| 2.17 Bank group-wise break-up of major complaint types (2015-16) |
| 2.18 Population group-wise distribution of complaints received |
| 2.19 Growth in the number of ATMs |
| 2.20 Geographical distribution of ATMs |
| 2.21 Share of off-site ATMs |
| 2.22 Trends in debit and credit cards |
| 2.23 Share of bank-groups in credit/debit cards |
| 2.24 Progress of prepaid instruments (value) |
| 3.1 Structure of co-operative credit institutions in India (as on March 31, 2016) |
| 3.2 Total number and growth in assets of UCBs |
| 3.3 Select indicators of profitability of UCBs |
| 3.4 Income and expenses of UCBs – variations in per cent |
| 3.5 UCBs’ non-performing assets |
| 3.6 Growth in assets, NPAs and provisions |
| 3.7 Distribution of UCBs based on size of deposits and advances |
| 3.8 Share of UCBs in rating category A (by number and business size) |
| 3.9 Change in the growth rate of UCBs’ SLR investments |
| 3.10 Scheduled and non-scheduled UCBs’ share in total assets |
| 3.11 Profitability indicators of UCBs (by type) |
| 3.12 Distribution of credit to select priority sectors as a percentage of total credit by UCBs |
| 3.13 Percentage of priority sector advances by UCBs to weaker sections |
| 3.14 Select balance sheet indicators of StCBs & DCCBs |
| 3.15 Growth in credit outstanding from PACS |
| 3.16 Share in membership and borrower to member ratio |
| 3.17 Percentage of PACS in profit and loss (all India) |
| 3.18 Percentage of PACS in profit and loss – regional level (as on March 31, 2015) |
| 3.19 Percentage contributions of components to percentage variation in total liabilities and assets of PCARDBs |
| 4.1 Average RoA of AIFIs |
| 4.2 Capital to risk (weighted) assets ratio (CRAR) of AIFIs (as at end-March) |
| 4.3 Net NPAs/ net loans of AIFIs (as at end-March) |
| 4.4 NPAs (gross NPA to gross advances ratio) across NBFCs and banks (end-March) |
| 4.5 Aggregate public deposits of NBFCs-D |
| 4.6 Financial performance of NBFCs-D |
| 4.7 Gross and net NPAs of NBFCs-D |
| 4.8 NPA ratios of NBFCs-ND-SI |
| 4.9 Financial performance of NBFCs-ND-SI |
| 4.10 Financial performance of standalone PDs |
| 4.11 Capital and risk weighted asset position of standalone PDs (as at end-March) |
| List of Tables |
| 2.1 SCBs’ return on assets and return on equity (bank group-wise) |
| 2.2 SCBs’ NPAs recovered through various channels |
| 2.3 PSBs’ NPAs recovered through various channels |
| 2.4 Number of ARCs and assets acquired from banks |
| 3.1 A profile of rural co-operatives (as on March 31, 2015) |
| 3.2 Soundness indicators of rural co-operative banks (short-term) |
| 3.3 Soundness indicators of rural co-operative banks (long-term) |
| 4.1 Liabilities and assets of financial institutions |
| 4.2 Financial performance of AIFIs |
| 4.3 Ownership patterns of NBFCs (number of companies) |
| 4.4 Consolidated balance sheet of NBFCs-D (as at end-March) |
| 4.5 Consolidated balance sheet of NBFCs-ND-SI (as at end-March) |
| 5.1 Progress made under financial inclusion plans – as on September 2016 |
| The detailed data on balance sheets as well as income and expenditure of SCBs are available in the 'Statistical Tables Relating to Banks in India 2015-16’ (www.rbi.org.in) |
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