Contents

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प्रकाशित तारीख डिसेंबर 27, 2022

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Sr. No.	Particulars
Chapter I: Perspectives
Chapter II: Global Banking Developments
1	Introduction
2	Global Macroeconomic Conditions
3	Global Banking Policy Developments
4	Performance of the Global Banking Sector
5	World’s Largest Banks
6	Conclusion
Chapter III: Policy Environment
1	Introduction
2	Monetary Policy and Liquidity Management
3	Regulatory Policies
4	Supervisory Policies
5	Technological Innovations
6	Financial Markets and Foreign Exchange
7	Credit Delivery and Financial Inclusion
8	Consumer Protection and Retail Participation
9	Payments and Settlement Systems
10	Overall Assessment
Chapter IV: Operations and Performance of Commercial Banks
1	Introduction
2	Balance Sheet Analysis
3	Financial Performance
4	Soundness Indicators
5	Sectoral Bank Credit: Distribution and NPAs
6	Ownership Pattern in Commercial Banks
7	Corporate Governance
8	Foreign Banks’ Operations in India and Overseas Operations of Indian Banks
9	Payment Systems and Scheduled Commercial Banks
10	Consumer Protection
11	Financial Inclusion
12	Regional Rural Banks
13	Local Area Banks
14	Small Finance Banks
15	Payments Banks
16	Overall Assessment
Chapter V: Developments in Co-operative Banking
1	Introduction
2	Structure of the Co-operative Banking Sector
3	Urban Co-operative Banks
4	Rural Co-operatives
5	Overall Assessment
Chapter VI: Non-Banking Financial Institutions
1	Introduction
2	Non-Banking Financial Companies
3	All India Financial Institutions
4	Primary Dealers
5	Overall Assessment
List of Boxes
II.1	Impact of Financial Conditions on Banking Sector Risk
III.1	Inflation Volatility and Credit Growth
III.2	Survey on Climate Risk and Sustainable Finance
III.3	Review of Regulatory Framework for ARCs
IV.1	Impact of Bank Profitability on Financial Stability
IV.2	Impact of Monetary Policy on Bank Profitability
IV.3	Bank Herding and Systemic Risk
V.1	Determinants of Profitability of Scheduled Urban Co-operative Banks
VI.1	New Regulatory Framework for NBFCs
List of Tables
III.1	Large Exposure Framework for NBFC-Upper Layer
III.2	Provisioning for Standard Assets by NBFCs-UL
IV.1	Consolidated Balance Sheet of Scheduled Commercial Banks
IV.2	Investments of SCBs
IV.3	Bank Group-wise Maturity Profile of Select Liabilities /Assets
IV.4	Trends in Income and Expenditure of Scheduled Commercial Banks
IV.5	Cost of Funds and Returns on Funds - Bank Group-wise
IV.6	Component-wise Capital Adequacy of SCBs
IV.7	Resources Raised by Banks through Private Placements
IV.8	Net Stable Funding Ratio
IV.9	Movement in Non-Performing Assets
IV.10	Classification of Loan Assets by Bank Group
IV.11	NPAs of SCBs Recovered through Various Channels
IV.12	Details of Financial Assets Securitised by ARCs
IV.13	Frauds in Various Banking Operations Based on the Date of Reporting
IV.14	Frauds in Various Banking Operations Based on the Date of Occurrence
IV.15	Enforcement Actions
IV.16	Sectoral Deployment of Gross Bank Credit by SCBs
IV.17	Credit Flow to the MSME sector by SCBs
IV.18	Priority Sector Lending by Banks
IV.19	Weighted Average Premium on Various Categories of PSLCs
IV.20	Sector-wise GNPAs of Banks
IV.21	Independent Directors on various committees of the board
IV.22	Operations of Foreign Banks in India
IV.23	Payment Systems Indicators
IV.24	Number of ATMs
IV.25	Geographical Distribution of ATMs: Bank Group-wise
IV.26	Nature of Complaints at RBIOs
IV.27	Bank Group-wise Insured Deposits
IV.28	Progress in Financial Inclusion Plan
IV.29	Tier-wise Break-up of Newly Opened Bank Branches by SCBs
IV.30	Progress in MSME Financing through TReDS
IV.31	Consolidated Balance Sheet of Regional Rural Banks
IV.32	Purpose-wise Outstanding Advances by RRBs
IV.33	Financial Performance of Regional Rural Banks
IV.34	PSLC Transactions of RRBs
IV.35	Profile of Local Area Banks
IV.36	Financial Performance of Local Area Banks
IV.37	Consolidated Balance Sheet of Small Finance Banks
IV.38	Purpose-wise Outstanding Advances by Small Finance Banks
IV.39	Financial Performance of Small Finance Banks
IV.40	Consolidated Balance Sheet of Payments Banks
IV.41	Financial Performance of Payments Banks
IV.42	Select Financial Ratios of Payments Banks
IV.43	Remittances through Payments Banks
V.1	Share in Credit Flow to Agriculture
V.2	Tier-wise Distribution of Urban Co-operative Banks
V.3	Balance Sheet of Urban Co-operative Banks
V.4	Distribution of UCBs by size of Deposits and Advances
V.5	Investments by Urban Co-operative Banks
V.6	Rating-wise Distribution of UCBs
V.7	CRAR-wise Distribution of UCBs
V.8	Component-wise Capital Adequacy of UCBs
V.9	Non-performing Assets of UCBs
V.10	Financial Performance of Scheduled and Non-scheduled Urban Co-operative-Banks
V.11	Select Profitability Indicators of UCBs
V.12	Composition of Credit to Priority Sectors by UCBs
V.13	A Profile of Rural Co-operatives
V.14	Liabilities and Assets of State Co-operative Banks
V.15	Select Balance Sheet Indicators of Scheduled State Co-operative Banks
V.16	Financial Performance of State Co-operative Banks
V.17	Soundness Indicators of State Co-operative Banks
V.18	Liabilities and Assets of District Central Co-operative Banks
V.19	Financial Performance of District Central Co-operative Banks
V.20	Soundness Indicators of District Central Co-operative Banks
VI.1	Classification of NBFCs by Activity under the New Regulatory Framework
VI.2	Ownership Pattern of NBFCs
VI.3	Abridged Balance Sheet of NBFCs
VI.4	Major Components of Liabilities and Assets of NBFCs-ND-SI by Classification
VI.5	Sectoral Credit Deployment by NBFCs
VI.6	Sources of Borrowings of NBFCs
VI.7	Financial Parameters of the NBFC Sector
VI.8	Ownership Pattern of HFCs
VI.9	Consolidated Balance Sheet of HFCs
VI.10	Financials Parameters of HFCs
VI.11	Financial Assistance Sanctioned and Disbursed by AIFIs
VI.12	AIFIs’ Balance Sheet
VI.13	Resources Mobilised by AIFIs in 2021-22
VI.14	Resources Raised by AIFIs from the Money Market
VI.15	Pattern of AIFIs’ Sources and Deployment of Funds
VI.16	Financial Performance of AIFIs
VI.17	AIFIs’ Select Financial Parameters
VI.18	Performance of PDs in the Primary Market
VI.19	Performance of SPDs in the G-secs Secondary Market
VI.20	Sources and Applications of SPDs’ Funds
VI.21	Financial Performance of SPDs
VI.22	SPDs’ Financial Indicators
List of Charts
II.1	Macroeconomic Background
II.2	Monetary Policy Rates
II.3	Bank Credit to the Private Non-Financial Sector
II.4	Asset Quality
II.5	Provision Coverage Ratio
II.6	Return on Assets
II.7	Regulatory Capital to Risk-Weighted Asset
II.8	Leverage Ratio
II.9	Market-based Indicators of Bank Health
II.10	Distribution of Top 100 Banks by Tier-I Capital
II.11	Asset Quality of the Top 100 banks
II.12	Soundness of the Top 100 Banks
III.1	Major Monetary Policy Rates
IV.1	Select Aggregates of SCBs
IV.2	Balance Sheet Composition
IV.3	Savings and Deposits
IV.4	Growth in Borrowings
IV.5	Growth in Advances
IV.6	Incremental Credit- Population Group-wise
IV.7	Credit-Deposit and Investment-Deposit Ratios
IV.8	Gap between Proportion of Assets and Liabilities in Various Maturity Brackets
IV.9	International Liabilities and Assets of Indian banks
IV.10	Off-Balance Sheet Liabilities of Banks
IV.11	Profitability Ratios
IV.12	G-Sec Yield and Non-interest income of SCBs
IV.13	Expenditure of SCBs
IV.14	Impact of Provisioning on Profitability
IV.15	RWAs and Assets Growth of SCBs
IV.16	Capital Adequacy
IV.17	Leverage and Liquidity
IV.18	Asset Quality of Banks
IV.19	Reduction in GNPAs
IV.20	Overall Stress vis-à-vis Stress in Large Borrowal Accounts
IV.21	Restructuring
IV.22	Stressed Asset sales to ARCs
IV.23	Bank Group-wise Frauds
IV.24	Retail Lending
IV.25	Housing Credit
IV.26	Education Loans
IV.27	MSMEs versus Large Industries
IV.28	Trading Volumes of PSLCs
IV.29	Exposure to Sensitive Sectors
IV.30	Share of Unsecured Advances
IV.31	Bank Group-wise Ownership pattern
IV.32	Government’s Shareholding in PSBs
IV.33	Share of Variable Pay in Total Remuneration
IV.34	CEO Pay vis-à-vis Average Employee Pay
IV.35	Components of Payment Systems
IV.36	RBI – Digital Payments Index
IV.37	Distribution of Complaints
IV.38	Progress in Financial Inclusion in G-20 countries
IV.39	Financial Inclusion Indicators
IV.40	State-wise distribution of FBCs
IV.41	Bank Group-wise Distribution of FBCs
IV.42	Number of PMJDY Accounts
IV.43	PMJDY Accounts: Distribution and Average Balance
IV.44	Distribution of Newly Opened Bank Branches of SCBs
IV.45	SHGs - Average Loan Disbursed, Average Loan Outstanding and Average Savings of SHGs
IV.46	Region-wise Average Population Per Bank Branch
IV.47	Contribution of PSLCs to Miscellaneous Income
IV.48	Payment System Transactions of PBs
V.1	Structure of Co-operative Banks
V.2	Distribution of Co-operative Banks by Asset Size
V.3	Number of UCBs
V.4	Consolidation Drive in UCBs
V.5	Asset Growth
V.6	Deposits and Advances: UCBs
V.7	Credit-Deposit Ratio: UCBs versus SCBs
V.8	Distribution of UCBs by Asset Size
V.9	Distribution of UCBs’ Deposits and Advances
V.10	Investments of UCBs
V.11	Distribution of Number and Business of UCBs-by Rating Categories
V.12	Share of UCBs with CRAR less than 9 per cent
V.13	Stress in Large Borrowal Accounts
V.14	Profitability Indicators- SUCBs versus NSUCBs
V.15	Priority Sector Lending
V.16	Long-term versus Short-term Rural Co-operatives
V.17	Comparison of Short-term Rural Co-operatives (Balance sheet and Financial Performance)
V.18	Asset Quality of Shot-term Co-operatives: A comparison
V.19	Liabilities and Assets of Long-Term Rural Co-operatives: A Comparison
VI.1	Structure of NBFIs under the Reserve Bank’s Regulation
VI.2	NBFCs’ Credit vis-à-vis SCB’s Credit and GDP
VI.3	Registrations and Cancellations of Certificate of Registrations of NBFCs
VI.4	Classification of NBFCs’ Loans and Advances
VI.5	Classification-wise NBFCs-ND-SI: Select Indicators
VI.6	Distribution of NBFC Credit
VI.7	NBFCs’ Credit to MSME Sector
VI.8	Vehicle Loans- NBFCs vis-a-vis SCBs
VI.9	Distribution of Advances against Gold: NBFCs and SCBs
VI.10	Classification-wise Sectoral Distribution of Credit
VI.11	Micro-credit Loan Outstanding across Regulated Entities
VI.12	Repayment of NBFCs’ Borrowings
VI.13	NCD Private Placements of Private NBFCs
VI.14	Yield of NBFC Bonds: Spread over G-Sec of Corresponding Maturity
VI.15	Bank Lending to NBFCs, Group-wise
VI.16	Instruments of Bank Lending to NBFCs
VI.17	Public Deposits with NBFCs- D
VI.18	Distribution of Deposits with NBFCs-D
VI.19	Loan Sales and Securitisation of NBFCs-ND-SI
VI.20	Structural Liquidity Statement of NBFCs
VI.21	Profitability Ratios of NBFCs
VI.22	Profitability Ratios of NBFCs-ND-SI
VI.23	Asset Quality of NBFCs
VI.24	Provision Coverage Ratio of NBFCs
VI.25	Classification of NBFCs' Assets
VI.26	Delinquency in Performing Assets
VI.27	NPAs of NBFCs-ND-SI
VI.28	Sectoral Distribution of NPAs of NBFCs
VI.29	Gross and Net NPA Ratios of NBFCs- D
VI.30	Stress in Large Borrowal Accounts
VI.31	Capital Position of NBFC Sector
VI.32	CRAR of NBFCs by Category
VI.33	Exposure to Sensitive Sectors
VI.34	Credit to Housing sector by HFCs and SCBs
VI.35	Resources mobilised by HFCs
VI.36	Public Deposits with HFCs
VI.37	Distribution of Public Deposits with HFCs
VI.38	HFCs' GNPA and NNPA Ratios
VI.39	Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs
VI.40	Long-term PLR Structure of Select AIFIs
VI.41	AIFIs’ Financial Ratios
VI.42	Select Financial Parameters of AIFIs
VI.43	AIFIs’ NNPA Ratios
VI.44	AIFIs’ Assets Classification
VI.45	Average Rate of Underwriting Commission of PDs
VI.46	Capital and Risk Weighted Asset Position of SPDs
List of Appendix Tables
IV.1	Indian Banking Sector at a Glance
IV.2	International Liabilities of Banks in India – By Type of Instruments
IV.3	International Assets of Banks in India - By Type of Instruments
IV.4	Consolidated International Claims of Banks: Residual Maturity and Sector
IV.5	Consolidated International Claims of Banks on Countries other than India
IV.6	Off-Balance Sheet Exposure of Scheduled Commercial Banks in India
IV.7	Kisan Credit Card Scheme: State-wise Progress
IV.8	Bank Group-wise Lending to the Sensitive Sectors
IV.9	Shareholding Pattern of Domestic Scheduled Commercial Banks
IV.10	Overseas Operations of Indian Banks
IV.11	Branches and ATMs of Scheduled Commercial Banks
IV.12	Statement of complaints received at RBI Ombudsman Office
IV.13	Progress of Microfinance Programmes
IV.14	Major Financial Indicators of Regional Rural Banks- State Wise
IV.15	RRBs- PSL Target and Achievement-2021-22
IV.16	Frauds in Various Banking Operations Based on Date of Reporting
V.1	Select Financial Parameters: Scheduled UCBs
V.2	Indicators of Financial Performance: Scheduled UCBs
V.3	Salient Indicators of Financial Health of State Co-operative Banks
V.4	Salient Indicators of Financial Health of District Central Co-operative Banks
V.5	Primary Agricultural Credit Societies
V.6	Select Indicators of Primary Agricultural Credit Societies-State-wise
V.7	Details of Members and Borrowers of Primary Agricultural Credit Societies
V.8	Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks
V.9	Financial Performance of State Co-operative Agriculture and Rural Development Banks
V.10	Asset Quality of State Co-operative Agriculture and Rural Development Banks
V.11	Financial Indicators of State Co-operative Agriculture and Rural Development Banks
V.12	Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks
V.13	Financial Performance of Primary Co-operative Agriculture and Rural Development Banks
V.14	Asset Quality of Primary Co-operative Agriculture and Rural Development Banks
V.15	Major Financial Indicators of Primary Co-operative Agriculture and Rural Developments Banks
VI.1	Consolidated Balance Sheet of NBFCs
VI.2	Consolidated Balance Sheet of NBFCs-ND-SI
VI.3	Consolidated Balance Sheet of NBFCs-D
VI.4	Credit to Various Sectors by NBFCs
VI.5	Financial Performance of NBFCs-ND-SI
VI.6	Financial Performance of NBFCs-D
VI.7	Financial Assistance Sanctioned and Disbursed by Financial Institutions
VI.8	Financial Performance of Primary Dealers
VI.9	Select Financial Indicators of Primary Dealers