Contents

RbiAnnouncementWeb

Research and Publication Banner

சொத்து வெளியீட்டாளர்

வெளியிடப்பட்ட தேதி டிசம்பர் 26, 2024

Sr. No.	Particulars
Chapter I: Perspectives
1	Introduction
2	Regulation and Supervision
3	Payment and Settlement Systems
4	Adoption of Emerging Technologies
5	Financial Inclusion
6	Consumer Protection
7	Climate Change
8	Overall Assessment
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	Overall Assessment
Chapter III: Policy Environment
1	Introduction
2	The Macroeconomic Policy Setting
3	Regulatory and Supervisory Policies
4	Technological Innovations
5	Financial Markets
6	Consumer Protection
7	Credit Delivery and Financial Inclusion
8	Payment and Settlement Systems
9	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	Technology Adoption and Scheduled Commercial Banks
11	Consumer Protection
12	Financial Inclusion
13	Regional Rural Banks
14	Local Area Banks
15	Small Finance Banks
16	Payments Banks
17	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 Credit Co-operatives
5	Overall Assessment
Chapter VI: Non-Banking Financial Institutions
1	Introduction
2	Non-Banking Financial Companies (NBFCs)
3	Housing Finance Companies (HFCs)
4	All India Financial Institutions
5	Primary Dealers
6	Overall Assessment
List of Boxes
II.1	Optimal Credit-to-GDP Ratio: A Cross-country Analysis
III.1	New Investment Guidelines: Analysis of Investment Portfolio of Banks
III.2	Disclosure Framework on Climate-related Financial Risks
III.3	Bank Lending to Non-Conventional Energy Sector
IV.1	Determinants of Deposit Growth in Commercial Banks
IV.2	Why do Banks Hold Excess CRAR?
IV.3	Impact of Credit Diversification on Banks’ Profitability
IV.4	Adoption of Generative AI by Regulated Entities
V.1	Determinants of Non-Interest Income in Scheduled Urban Co-operative Banks
VI.1	Impact of Recent Regulatory Changes on NBFCs’ Unsecured Retail Lending
List of Tables
II.1	Asset Quality
II.2	Regulatory Capital to Risk-weighted Assets Ratio
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 Return on Funds - Bank Group-wise
IV.6	Component-wise Capital Adequacy of SCBs
IV.7	Resources Raised by Banks through Private Placements
IV.8	Leverage Ratio and Liquidity Coverage Ratio
IV.9	Net Stable Funding Ratio
IV.10	Movements in Non-Performing Assets by Bank Group
IV.11	Classification of Loan Assets by Bank Group
IV.12	NPAs of SCBs Recovered through Various Channels
IV.13	Details of Financial Assets Securitised by ARCs
IV.14	Frauds in Various Banking Operations Based on the Date of Reporting
IV.15	Frauds in Various Banking Operations Based on the Date of Occurrence
IV.16	Enforcement Actions
IV.17	Sectoral Deployment of Gross Bank Credit by SCBs
IV.18	Credit Flow to the MSME sector by SCBs
IV.19	Priority Sector Lending by Banks
IV.20	Weighted Average Premium on Various Categories of PSLCs
IV.21	Sector-wise GNPAs of Banks
IV.22	Independent Directors on the Board and its Committees
IV.23	Operations of Foreign Banks in India
IV.24	Payment Systems Indicators
IV.25	Number of ATMs
IV.26	Geographical Distribution of ATMs: Bank Group-wise
IV.27	Nature of Complaints Received by ORBIOs
IV.28	Bank Group-wise Insured Deposits
IV.29	Progress in Financial Inclusion Plan
IV.30	Tier-wise Break-up of Newly Opened Bank Branches by SCBs
IV.31	Progress in MSME Financing through TReDS
IV.32	Consolidated Balance Sheet of Regional Rural Banks
IV.33	Financial Performance of Regional Rural Banks
IV.34	Purpose-wise Outstanding Advances by 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	Financial Performance of Small Finance Banks
IV.39	Consolidated Balance Sheet of Payments Banks
IV.40	Financial Performance of Payments Banks
IV.41	Select Financial Ratios of 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, Advances and Assets
V.5	Investments by Urban Co-operative Banks
V.6	Financial Performance of Scheduled and Non-Scheduled Urban Co-operative Banks
V.7	Select Profitability Indicators of UCBs
V.8	CRAR-wise Distribution of UCBs
V.9	Component-wise Capital Adequacy of UCBs
V.10	Non-Performing Assets of UCBs
V.11	Composition of Credit to Priority Sectors by UCBs
V.12	A Profile of Rural Credit Co-operatives
V.13	Liabilities and Assets of State Co-operative Banks
V.14	Select Balance Sheet Indicators of Scheduled State Co-operative Banks
V.15	Financial Performance of State Co-operative Banks
V.16	Soundness Indicators of State Co-operative Banks
V.17	Liabilities and Assets of District Central Co-operative Banks
V.18	Financial Performance of District Central Co-operative Banks
V.19	Soundness Indicators of District Central Co-operative Banks
VI.1	Classification of NBFCs by Activity under the Scale Based Regulatory Framework
VI.2	Composition of NBFCs
VI.3	Ownership Pattern of NBFCs
VI.4	Abridged Balance Sheet of NBFCs
VI.5	Major Components of Liabilities and Assets of NBFCs by Classification
VI.6	Sectoral Credit Deployment by NBFCs
VI.7	Sources of Borrowings of NBFCs
VI.8	Foreign Liabilities of NBFCs
VI.9	Financial Parameters of the NBFC Sector
VI.10	Ownership Pattern of HFCs
VI.11	Consolidated Balance Sheet of HFCs
VI.12	Financial Parameters of HFCs
VI.13	Financial Assistance Sanctioned & Disbursed by AIFIs
VI.14	AIFIs’ Balance Sheet
VI.15	Resources Mobilised by AIFIs in 2023-24
VI.16	Resources Raised by AIFIs from the Money Market
VI.17	AIFIs’ Sources and Deployment of Funds
VI.18	Financial Performance of AIFIs
VI.19	AIFIs’ Select Financial Parameters
VI.20	Performance of PDs in the Primary Market
VI.21	Performance of SPDs in the G-secs Secondary Market
VI.22	Sources and Application of SPDs’ Funds
VI.23	Financial Performance of SPDs
VI.24	SPDs’ Financial Indicators
List of Charts
II.1	Growth and Inflation
II.2	Monetary Policy Rates
II.3	Current Account and General Government Gross Debt
II.4	Bank Credit to the Private Non-Financial Sector
II.5	Provision Coverage Ratio
II.6	Return on Assets
II.7	Leverage Ratio
II.8	Market-based Indicators of Banks’ Health
II.9	Distribution of the Top 100 Global Banks by Tier 1 Capital
II.10	Asset Quality of the Top 100 Global Banks
II.11	Soundness of the Top 100 Global Banks
III.1	Unclaimed Deposits with Scheduled Commercial Banks
III.2	Share of Credit to NCE Sector in Total Credit to Energy (Electricity, Gas, and Water)
IV.1	Select Aggregates of SCBs
IV.2	Balance Sheet Composition
IV.3	Deposit Growth
IV.4	Credit Growth
IV.5	Contribution of Population Groups in Credit Growth
IV.6	Credit-Deposit and Investment-Deposit Gap
IV.7	Maturity Brackets-wise Assets and Liabilities Gap
IV.8	International Assets and Liabilities of Banks
IV.9	Consolidated International Claims of Indian Banks
IV.10	Off-Balance Sheet Liabilities of Banks
IV.11	Profitability Ratios
IV.12	Net Interest Income and Net Interest Margin
IV.13	Provision Coverage Ratio
IV.14	Bank Group-wise CRAR and CET1 Ratio
IV.15	Excess CRAR
IV.16	Reduction in GNPAs
IV.17	Overall Stress vis-à-vis Stress in Large Borrowal Accounts
IV.18	Restructured Standard Advances Ratio
IV.19	Stressed Asset sales to ARCs
IV.20	Bank Group-wise Frauds
IV.21	Sectoral GNPA Ratios
IV.22	GNPA Ratio in Various Sub-Sectors
IV.23	Trading Volume of PSLCs
IV.24	Buyers and Sellers in PSLC Market
IV.25	Exposure to Sensitive Sectors
IV.26	Share of Unsecured Advances
IV.27	Ownership Pattern of Banks
IV.28	Components of Total Remuneration of MDs and CEOs
IV.29	Overseas Operations of Indian Banks
IV.30	Average Value of Retail Digital Payments vis-à-vis Paper-based Instruments
IV.31	Digital Payments Index
IV.32	Entity Type-wise Complaints Received at ORBIOs
IV.33	Distribution of Complaints
IV.34	Bank Group-wise Insured Deposits as per cent of Assessable Deposits
IV.35	Progress of Financial Inclusion in Select Countries
IV.36	RBI – Financial Inclusion Index
IV.37	Progress in PMJDY
IV.38	Distribution of Newly Opened Bank Branches of SCBs
IV.39	SHGs – Regional Distribution of Credit and Average Loan Size
IV.40	Regional Penetration of Banks
IV.41	Asset Quality of RRBs
IV.42	Capital to Risk-weighted Assets Ratio of RRBs
IV.43	Profitability Indicators of Payments Banks
V.1	Structure of Credit Co-operatives
V.2	Distribution of Credit Co-operatives by Asset Size
V.3	Number of UCBs
V.4	Consolidation Drive in UCBs
V.5	Asset Growth
V.6	Performance of UCBs vis-à-vis SCBs
V.7	Credit-Deposit Ratio: UCBs versus SCBs
V.8	Distribution of UCBs by Asset Size
V.9	Investments: UCBs versus SCBs
V.10	Profitability Indicators: UCBs versus SCBs
V.11	CRAR: UCBs versus SCBs
V.12	Asset Quality
V.13	Priority Sector Lending
V.14	RCCs versus UCBs: Balance Sheet and Asset Quality Indicators
V.15	Share of Rural Credit Co-operatives in Total Co-operative Sector
V.16	Long-term versus Short-term RCCs
V.17	Profit-Making Co-operatives
V.18	Resource Composition: Short-term Co-operatives
V.19	StCBs’ Profits
V.20	Capital Adequacy of State Co-operative Banks
V.21	NPA Ratio: StCBs versus DCCBs
V.22	Capital Adequacy of District Central Co-operative Banks
V.23	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 SCBs’ Credit and GDP
VI.3	Registrations and Cancellations of Certificates of Registration of NBFCs
VI.4	Nature of NBFCs’ Loans and Advances
VI.5	Total Assets of NBFCs, by Classification
VI.6	Maturity Profiles of Receivables and Payables
VI.7	Sectoral Distribution of Credit, by Classification
VI.8	Distribution of NBFCs’ Credit
VI.9	NBFCs’ Credit to MSME Sector
VI.10	Vehicle Loans- NBFCs vis-à-vis SCBs
VI.11	Advances against Gold by NBFCs and SCBs
VI.12	Micro-credit Outstanding across Regulated Entities
VI.13	Major Sources of Borrowings
VI.14	Banks’ Exposure to NBFCs
VI.15	Nature of NBFCs’ Borrowings
VI.16	NCD Private Placements of Private NBFCs
VI.17	Issuance of CPs by Private NBFCs
VI.18	Public Deposits with NBFCs-D
VI.19	Loan Sales and Securitisation by NBFCs
VI.20	Structural Liquidity Statement of NBFCs
VI.21	Profitability Ratios of NBFCs
VI.22	Classification of NBFCs’ Loans & Advances
VI.23	Portfolio Analysis of Performing Loans & Advances
VI.23	Asset Quality of NBFCs, by Classification
VI.25	NPA Ratios, by Layer
VI.26	Sectoral GNPA Ratios
VI.27	Stress in Large Borrowal Accounts
VI.28	CRAR of NBFCs
VI.29	Exposure to Sensitive Sectors
VI.30	Credit to Housing Sector by HFCs, SCBs and other NBFCs
VI.31	Resources Mobilised by HFCs
VI.32	Distribution of HFCs’ Public Deposits
VI.33	Asset Quality of HFCs, by Layer
VI.34	Capital Adequacy
VI.35	Distribution of AIFIs, by Asset-Size
VI.36	Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs
VI.37	Long-term PLR Structure of Select AIFIs
VI.38	RoA of AIFIs
VI.39	Soundness Indicators of AIFIs
VI.40	Average Rate of Underwriting Commission of PDs
VI.41	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 on Countries other than India
IV.5	Consolidated International Claims of Banks: Residual Maturity and Sector
IV.6	Off-Balance Sheet Exposure of Scheduled Commercial Banks in India
IV.7	Frauds in Various Banking Operations Based on Date of Reporting
IV.8	Kisan Credit Card Scheme: State-wise Progress
IV.9	Bank Group-wise Lending to the Sensitive Sectors
IV.10	Shareholding Pattern of Domestic Scheduled Commercial Banks
IV.11	Overseas Operations of Indian Banks
IV.12	Branches and ATMs of Scheduled Commercial Banks
IV.13	Progress of Microfinance Programmes
IV.14	Major Financial Indicators of Regional Rural Banks – State-wise
IV.15	RRBs - PSL Target and Achievement - 2023-24
V.1	Indicators of Financial Performance: Scheduled UCBs
V.2	Select Financial Parameters: 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	Details of Members and Borrowers of Primary Agricultural Credit Societies
V.6	Primary Agricultural Credit Societies
V.7	Select Indicators of Primary Agricultural Credit Societies - State-wise
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 - State-wise
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 NBFC-UL
VI.3	Consolidated Balance Sheet of NBFC-ML
VI.4	Consolidated Balance Sheet of NBFCs-D
VI.5	Credit to Various Sectors by NBFCs
VI.6	Financial Performance of NBFC-UL
VI.7	Financial Performance of NBFC-ML
VI.8	Financial Assistance Sanctioned and Disbursed by Financial Institutions
VI.9	Financial Performance of Standalone Primary Dealers
VI.10	Select Financial Indicators of Standalone Primary Dealers