Contents - ಆರ್ಬಿಐ - Reserve Bank of India
Contents
Contents |
|
Sr.No. |
Particulars |
Chapter I : Perspectives on the Indian Banking Sector |
|
1. |
Introduction . |
2. |
Forces Shaping the Environment |
3. |
Strategic and Operational Responses |
4. |
Challenges |
5. |
The Way Forward |
Chapter II : Global Banking Developments |
|
1. |
Introduction |
2. |
Global Banking Trends |
3. |
Banking Trends in Select Regions and Countries |
4. |
An Analysis of the Performance of Top 100 Global Banks |
5. |
Global Policy Reforms |
6. |
Conclusions |
Chapter III : Policy Environment |
|
1. |
Introduction |
2. |
Monetary Policy |
3. |
Credit Delivery |
4. |
Financial Inclusion |
5. |
Prudential Regulatory Policy |
6. |
Supervisory Policy |
7. |
Regional Rural Banks |
8. |
Cooperative Banks |
9. |
Non-Banking Financial Companies |
10. |
Customer Service in Banks |
11. |
Financial Markets |
12. |
Payment and Settlement System |
13. |
Technological Developments |
14. |
Banking Sector Legislation |
15. |
Conclusions |
Chapter IV: Operations 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 Deployment of Bank Credit |
6. |
Operations of Scheduled Commercial Banks in Capital Market |
7. |
Shareholding Pattern in Scheduled Commercial Banks |
8. |
Foreign Banks’ Operations in India and Overseas Operations of Indian Banks |
9. |
Technological Developments in Scheduled Commercial Banks |
10. |
Customer Service |
11. |
Financial Inclusion |
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 Reviving the Rural Cooperatives |
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 |
|
Box No. |
Particulars |
II.1 |
European Banks’ Exposure to Euro Area Sovereign Debt |
II.2 |
Key Objectives and Features of the Basel III Framework |
II.3 |
Counter-Cyclical Capital Buffer: Concept and Working |
III.1 |
Monitoring Interest Rate Sensitivity based on Duration Gap Analysis |
III.2 |
Report of the Committee on Customer Service in Banks |
III.3 |
Recommendations of the Working Group on Securing Card Present Transactions |
IV.1 |
Asset Liability Mismatches (ALM) in the Indian Banking Sector: The Extent and Persistence |
IV.2 |
Profitability versus Risks: An Analysis of Off-Balance Sheet Exposures in the Indian Banking Sector |
IV.3 |
Net Interest Margin of the Indian Banking Sector: Efficiency versus Profitability |
IV.4 |
Impact of Restructuring of Advances on the Asset Quality of the Banking Sector |
IV.5 |
Robust Credit Growth and Credit Booms – An Analysis of the Indian Banking Sector |
V.1 |
Merger and Amalgamation of Urban Cooperative Banks |
V.2 |
Soundness of StCBs |
V.3 |
Role of Rural Cooperatives in Financial Inclusion – Some Emerging Issues |
VI.1 |
Inter-connectedness of NBFCs and Banks in India |
VI.2 |
Credit Rating of NBFCs – Practices and Prospects |
VI.3 |
Recommandations of the Working Group on the Issues and Concerns in the NBFC Sector |
Table No. |
List of Tables |
II.1 |
Return on Assets of Banks for Select Economies |
II.2 |
Growth in International Assets and Liabilities of Banks |
II.3 |
Capital to Risk-Weighted Assets Ratio of Banks in Select Economies |
II.4 |
Rank Correlation Coefficients for Top Global Banks between 2009 and 2010 |
III.1 |
Compensation under Agriculture Debt Waiver and Debt Relief Scheme |
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 on Countries Other than India – By Maturity and Sector |
IV.7 |
Consolidated International Claims of Banks on Countries other than India |
IV.8 |
Bank Group-wise Maturity Profile of Select Liabilities/Assets |
IV.9 |
Asset Liability Mismatches in the Indian Banking Sector |
IV.10 |
Trends in Income and Expenditure of Scheduled Commercial Banks |
IV.11 |
Return on Assets and Return on Equity of SCBs – Bank Group-wise |
IV.12 |
Cost of Funds and Return on Funds – Bank Group-wise |
IV.13 |
Capital to Risk-Weighted Assets Ratio under Basel I and II – Bank Group-wise |
IV.14 |
Component-wise Capital Adequacy of SCBs |
IV.15 |
Trends in Non-Performing Assets – Bank Group-wise |
IV.16 |
NPAs of SCBs Recovered through Various Channels |
IV.17 |
Details of Financial Assets Securitised by SCs/RCs |
IV.18 |
Sector-wise NPAs of Domestic Banks |
IV.19 |
Trends in Provisions for Non-Performing Assets – Bank Group-wise |
IV.20 |
Classification of Loan Assets – Bank Group-wise |
IV.21 |
Sectoral Deployment of Gross Bank Credit |
IV.22 |
Priority Sector Lending by Public and Private Sector Banks |
IV.23 |
Priority Sector Lending by Foreign Banks |
IV.24 |
Retail Portfolio of Banks |
IV.25 |
Public Issues from the Banking Sector |
IV.26 |
Resources Raised by Banks through Private Placements |
IV.27 |
Resource Mobilisation through Euro Issues by the Banking Sector |
IV.28 |
Risk-Return Performance, Turnover and Capitalisation of Bank Stocks |
IV.29 |
Number of Public Sector Banks Classified by Percentage of Private Shareholding |
IV.30 |
Overseas Operations of Indian Banks |
IV.31 |
ATMs of Scheduled Commercial Banks |
IV.32 |
Debit Cards Issued by Scheduled Commercial Banks |
IV.33 |
Credit Cards Issued by Scheduled Commercial Banks |
IV.34 |
Volume and Value of Electronic Transactions by Scheduled Commercial Banks |
IV.35 |
Region-wise Complaints received at Banking Ombudsman Offices |
IV.36 |
Bank-Group-wise Complaints received at Banking Ombudsman Offices |
IV.37 |
Progress of Financial Inclusion |
IV.38 |
Distribution of New Bank Branches Across Regions and Population Groups |
IV.39 |
Number of ATMs of SCBs Located at Various Locations |
IV.40 |
Progress Made Under Financial Inclusion Plans |
IV.41 |
Progress of Micro-Finance Programmes |
IV.42 |
Consolidated Balance Sheet of Regional Rural Banks |
IV.43 |
Financial Performance of Regional Rural Banks |
IV.44 |
Purpose-wise Distribution of Credit from Regional Rural Banks |
IV.45 |
Profile of Local Area Banks |
IV.46 |
Financial Performance of Local Area Banks |
V.1 |
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 |
Tier wise Distribution of Urban Cooperative Banks |
V.4 |
Liabilities and Assets of Urban Cooperative Banks |
V.5 |
Investments by Urban Cooperative Banks |
V.6 |
Financial Performance of Scheduled and Non-Scheduled Urban Cooperative Banks |
V.7 |
Select Financial Indicators of UCBs |
V.8 |
Non-Performing Assets of UCBs |
V.9 |
Advances to Weaker Sections by Urban Cooperative Banks |
V.10 |
A Profile of Rural Cooperative Banks |
V.11 |
Elected Boards under Supersession |
V.12 |
Liabilities and Assets of State Cooperative Banks, end-March 2010 |
V.13 |
Financial Performance of State Cooperative Banks |
V.14 |
Soundness Indicators of State Cooperative Banks |
V.15 |
Liabilities and Assets of District Central Cooperative Banks |
V.16 |
Financial Performance of District Central Cooperative Banks |
V.17 |
Soundness Indicators of District Central Cooperative Banks |
V.18 |
Primary Agricultural Credit Societies – Select Balance Sheet Indicators |
V.19 |
Liabilities and Assets of State Cooperative Agriculture and Rural Development Banks |
V.20 |
Financial Performance of State Cooperative Agriculture and Rural Development Banks |
V.21 |
Soundness Indicators of State Cooperative Agriculture and Rural Development Banks |
V.22 |
Liabilities and Assets of Primary Cooperative Agriculture and Rural Development Banks |
V.23 |
Financial Performance of Primary Cooperative Agriculture and Rural Development Banks |
V.24 |
Asset Quality of Primary Cooperative Agriculture and Rural Development Banks |
V.25 |
NABARD’s Credit to StCBs, State Governments and RRBs |
V.26 |
Tranche-wise Details of RIDF (As at end-March 2011) |
V.27 |
Progress under Kisan Credit Card Scheme |
VI.1 |
Ownership Pattern of Financial Institutions |
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 Money Market |
VI.6 |
Pattern of Sources and Deployment of Funds of Financial Institutions |
VI.7 |
Weighted Average Cost and Maturity of Rupee 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 Pattern 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 |
Distribution of 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 Category of NBFCs |
VI.29 |
Classification of Assets of NBFCs-D by Category of NBFCs |
VI.30 |
Capital Adequacy Ratio of NBFCs-D |
VI.31 |
Net Owned Fund vis-à-vis Public Deposits of NBFCs-D by Category |
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 |
Capital Adequacy Ratio of NBFCs-ND-SI |
VI.42 |
Bank Exposure of NBFCs-ND-SI |
VI.43 |
Performance of the PDs in the Primary Market |
VI.44 |
Performance of Standalone PDs in the Secondary Market |
VI.45 |
Sources and Applications of Funds of Standalone Primary Dealers |
VI.46 |
Financial Performance of Standalone Primary Dealers |
VI.47 |
Financial Indicators of Primary Dealers |
VI.48 |
CRAR of the Standalone PDs |
VI.49 |
Select Indicators of Primary Dealers |
List of Charts |
|
Chart No. |
Particulars |
II.1 |
Global Macro-economic Trends |
II.2 |
Three-year Moving Average of Bank Credit Growth, in per cent |
II.3 |
Bank Stock Indices in Select Economies/Economy Groups |
II.4 |
International Assets/Liabilities of Advanced and Emerging Economies |
II.5 |
Leverage in the Banking Systems of Select Economies |
II.6 |
Asset Quality of Banks in Select Economies |
II.7 |
CDS Spread of Global Banks |
II.8 |
Sovereign and Bank CDS Spreads in Select Economies |
II.9 |
Demographic Access to Banking Services across Select Economies |
II.10 |
Usage of Banking Services across Select Economies – Deposits |
II.11 |
Usage of Banking Services across Select Economies – Credit |
II.12 |
Asset Growth in the US Banking Sector |
II.13 |
Sectoral Rates of Growth of Credit of US Banks |
II.14 |
Sectoral Delinquency Rates of US Banks |
II.15 |
Balance Sheet Indicators of Banks in the Euro zone |
II.16 |
Expectations about Credit Conditions for SME Sector in the Euro zone |
II.17 |
Movements in Euro Inter-Bank Offered Rate |
II.18 |
Interest Rates on Bank Deposits from Non-financial Corporations (with Less than One Year Maturity), Select Euro zone Economies |
II.19 |
Expectations about Bank Credit Availability to SMEs in the UK |
II.20 |
Write-off Rates of UK Banks |
II.21 |
Growth in Balance Sheets of Chinese Banks |
II.22 |
Location of Global Banking Business |
II.23 |
Share of Countries in Total Assets of Top 100 Global Banks |
II.24 |
Percentage Distribution of Top 100 Global Banks by Return on Assets |
II.25 |
Percentage Distribution of Top 100 Global Banks by CRAR |
II.26 |
Percentage Distribution of Top 100 Global Banks by Capital Adequacy (Leverage) Ratio |
II.27 |
Percentage Distribution of Top Global Banks by NPLs Ratio |
II.28 |
Changes in Soundness Indicators of Top 20 Global Banks |
IV.1 |
Composition of Deposits 2010-11 |
IV.2 |
Deposits and Borrowings 2010-11 |
IV.3 |
Credit as per cent of Deposits plus Borrowings 2010-11 |
IV.4 |
Incremental Credit- and Investment-Deposit Ratios of SCBs |
IV.5 |
Composition of Off-Balance Sheet Exposures of the Banking Sector 2010-11 |
IV.6 |
Net Profits of SCBs |
IV.7 |
Cost of Funds and Return on Funds – Bank Group-wise 2010-11 |
IV.8 |
Tier I Ratio of Public Sector Banks |
IV.9 |
Trends in Gross Non-Performing Assets |
IV.10A |
NPAs Written Off as per cent of Previous Year’s Gross NPAs |
IV.10B |
Written Off Ratio – Bank Group-wise 2010-11 |
IV.11A |
Slippage Ratio |
IV.11B |
Slippage Ratio - Bank Group-wise 2010-11 |
IV.12A |
NPAs Recovered as per cent of Previous Year’s Gross NPAs |
IV.12B |
Recovery Ratio - Bank Group-wise 2010-11 |
IV.13 |
Ratio of NPAs to Advances |
IV.14 |
Composition of Incremental NPAs of Domestic Banks 2010-11 |
IV.15 |
Shares of Population Groups in Agricultural and Industrial Credit |
IV.16A |
Priority Sector Lending: Target and Achievement 2010-11 |
IV.16B |
Agricultural Advances: Target and Achievement 2010-11 |
IV.17A |
Priority Sector Advances - Target and Achievement 2010-11 |
IV.17B |
Export Credit – Target and Achievement 2010-11 |
IV.18 |
Relative Performance of BSE Bankex and BSE Sensex - 2010-11 |
IV.19 |
Government Shareholding in PSBs |
IV.20 |
Foreign Shareholding in Domestic Banks |
IV.21 |
Shares of Bank Groups in Outstanding Debit Cards |
IV.22 |
Shares of Bank Groups in Outstanding Credit Cards |
IV.23 |
Major Complaints against Bank Groups 2010-11 |
IV.24 |
Bank Branches Opened in Hitherto Unbanked Centres (April-March) |
IV.25 |
Region-wise Population per Bank Branch (end-March 2011) |
IV.26 |
Population Group-wise Distribution of ATMs (end-March 2011) |
IV.27 |
Share of Regions in Total Net Increase in ATMs 2010-11 |
IV.28 |
Distribution of Deposit and Credit According to Banking Centres – March 2011 . |
IV.29A |
Region-wise Share in Credit – March 2011 |
IV.29B |
Population Group-wise Share in Credit – March 2011 |
V.1 |
Structure of Cooperative Credit Institutions in India |
V.2 |
Grade-wise Distribution of Number of UCBs and Share in Total Advances and Deposits |
V.3 |
Changing Profile of UCBs |
V.4 |
Asset Size-wise Distribution of UCBs |
V.5 |
Composition of Investments of UCBs |
V.6 |
Distribution of UCBs according to CRAR |
V.7 |
CRAR and RoA of UCBs |
V.8 |
Composition of Advances to Priority Sectors by UCBs |
V.9 |
Region-wise and State-wise Profile of UCBs |
V.10 |
Percentage Share of Top and Bottom Five States in Total Number of UCBs |
V.11 |
Select Balance Sheet Indicators of Scheduled StCBs |
V.12 |
Percentage Share of Different Categories of NPAs of StCBs |
V.13 |
Purpose-wise Details of Projects and Loans Sanctioned under RIDF |
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) andAggregate 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 |
|
Table No. |
Particulars |
IV.1 |
Off-Balance Sheet Exposures 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 Domestic Scheduled Commercial Banks |
IV.9 |
Branches and ATMs of Scheduled Commercial Banks |
IV.10 |
Statement of Complaints Received at Banking Ombudsman Office |
IV.11 |
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 |
State-wise Distribution of UCBs |
V.4 |
Working Results of State Cooperative Banks - Region and State-wise |
V.5 |
Working Results of District Central Cooperative Banks - Region and State wise |
V.6 |
Select Indicators of Primary Agricultural Credit Societies-State wise |
V.7 |
Working Results of State Cooperative Agriculture and Rural Development Banks - State-wise |
V.8 |
Working Results of Primary Cooperative Agriculture and Rural Development Banks -State-wise |
V.9 |
Sanctions and Disbursements Under RIDF - State-wise |
V.10 |
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 |