Sr. No.

Particulars

1.

Introduction

2.

Perspectives from Global Trends

3.

Perspectives on Indian Banking

4.

Conclusions

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

15.

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

1.

2.

3.

4.

5.

1.

2.

3.

4.

5.

List of Boxes

I.1

II.1

III.1

III.2

III.3

IV.1

IV.2

IV.3

IV.4

V.1

V.2

V.3

V.4

VI.1

List of Tables

I.1

I.2

I.3

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