Contents

Sr. No.

Particulars

Chapter I: Perspectives on the Indian Banking Sector

1.

Introduction

2.

Emerging Operating Environment for Banks

3.

Policy Responses

4.

The Way Forward

Chapter II: Global Banking Developments

1.

Introduction

2.

Global Banking Trends

3.

Banking Trends in Select Regions and Countries

4.

Analysis of the Performance of Top 100 Global Banks

5.

Global Policy Reforms

6.

Overall Assessment

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.

Non-Banking Financial Companies

9.

Financial Institutions

10.

Customer Service in Banks

11.

Payment and Settlement Systems

12.

Banking Sector Legislation

13.

Overall Assessment

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 Distribution of Bank Credit

6.

Operations of Scheduled Commercial Banks in the Capital Market

7.

Ownership 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.

Local Area Banks

13.

Regional Rural Banks

14.

Overall Assessment

Chapter V: Developments in Co-operative Banking

1.

Introduction

2.

Urban Co-operative Banks

3.

Rural Co-operatives

4.

Status on Licensing of Rural Co-operatives

5.

Overall Assessment

Chapter VI: Non-Banking Financial Institutions

1.

Introduction

2.

Financial Institutions

3.

Non-Banking Financial Companies

4.

Primary Dealers

5.

Overall Assessment

List of Boxes

I.1

Likely Implications of Vickers’ Recommendations for Indian Banks (including UK Banks in India)

I.2

Banking Structure in India : The Way Forward

I.3

Highlights of Vision Document 2012-15 on Payment and Settlement Systems

II.1

Financial Stability Risks of Unconventional Monetary Policy in Major Central Banks

II.2

Liquidity Hoarding by Banks during the Global Financial Crisis

II.3

Banking Crisis in Cyprus and its Implications for Financial Stability

III.1

Issues and Challenges in Implementing the Advanced Measurement Approach for Operational Risk Capital Computation

III.2

Emerging Approaches to Large Exposures

III.3

Treating Customers Fairly: Obligation of Banks towards Customers

IV.1

Analysis of Efficiency in the Indian Banking Sector – A Ratio Approach

IV.2

Analysis of Efficiency in the Indian Banking Sector using the Data Envelopment Analysis

IV.3

Asset Concentration within the Indian Banking Sector

IV.4

Banking Technology and Cost Reduction: A Perspective

IV.5

A Survey-based Analysis of Financial Inclusion

V.1

Salient Features of the Constitution (97th Amendment) Act, 2011 and their Implications for UCBs

V.2

Major Recommendations of the Expert Committee to Examine 3-Tier Short-term Co-operative Credit Structure

VI.1

Shadow Banking in India: Some Issues

VI.2

Regulation of NBFCs’ Lending Against the Collateral of Gold

List of Tables

II.1

Return on Assets of Banks for Select Countries

II.2

Growth in International Assets and Liabilities of Banks

II.3

Capital to Risk-Weighted Assets Ratio of Banks in Select Countries

II.4

Chinese Shadow Banking System

IV.1

Growth in Balance Sheet of Scheduled Commercial Banks

IV.2

International Liabilities of Banks - By Type

IV.3

International Assets of Banks - By Type

IV.4

Maturity (Residual) and Sector Classification of Consolidated International Claims of Banks

IV.5

Consolidated International Claims of Banks on Countries other than India

IV.6

Bank Group-wise Maturity Profile of Select Liabilities/Assets (As at end-March)

IV.7

Trends in Income and Expenditure of Scheduled Commercial Banks

IV.8

Return on Assets and Return on Equity of SCBs – Bank Group-wise

IV.9

Cost of Funds and Return on Funds - Bank Group-wise

IV.10

Capital to Risk-Weighted Assets Ratio under Basel I and II – Bank group-wise (As at end-March)

IV.11

Component-wise Capital Adequacy of SCBs (As at end-March)

IV.12

Amount of Expenditure on Recapitalisation of Public Sector Banks

IV.13

Trends in Non-performing Assets - Bank Group-wise

IV.14

Classification of Loan Assets - Bank Group-wise (As at end-March)

IV.15

Trends in Debt Restructured under the CDR Mechanism

IV.16

Sector-wise NPAs of Domestic Banks

IV.17

NPAs of SCBs Recovered through Various Channels

IV.18

Details of Financial Assets Securitised by SCs/RCs

IV.19

Sectoral Deployment of Gross Bank Credit

IV.20

Priority Sector Lending by Banks (As on March 31, 2013)

IV.21

Retail Loan Portfolio of Banks

IV.22

Public Issues by the Banking Sector

IV.23

Resources Raised by Banks through Private Placements

IV.24

Risk-Return Performance, Turnover and Capitalisation of Bank Stocks

IV.25

Number of Public Sector Banks classified by Percentage of Public Shareholding

IV.26

Overseas Operations of Indian Banks (As at end-March)

IV.27

ATMs of Scheduled Commercial Banks (As at end-March 2013)

IV.28

Progress under Cheque Truncation System

IV.29

Credit and Debit Cards Issued by Scheduled Commercial Banks (As at end-March)

IV.30

Volume and Value of Electronic Transactions by SCBs

IV.31

Penetration of Electronic Modes of Payment

IV.32

Region-wise Complaints received at Banking Ombudsman Offices

IV.33

Progress under Financial Inclusion Plans, All SCBs including RRBs

IV.34

Tier-wise Break up of Newly Opened Bank Branches

IV.35

Number of ATMs of SCBs at Various Centres (At end-March 2013)

IV.36

Progress of Microfinance Programmes (As at end-March)

IV.37

Financial Performance of Local Area Banks

IV.38

Profile of Local Area Banks (As at end-March)

IV.39

Consolidated Balance Sheet of Regional Rural Banks

IV.40

Purpose-wise Outstanding Advances by RRBs

IV.41

Financial Performance of Regional Rural Banks

V.1

Tier-wise Distribution of Urban Co-operative Banks (As at end-March 2013)

V.2

Rating-wise Distribution of UCBs (As at end-March 2013)

V.3

Distribution of UCBs by Deposits and Advances (As at end-March 2013)

V.4

Liabilities and Assets of Urban Co-operative Banks

V.5

Investments by Urban Co-operative Banks

V.6

Financial Performance of Scheduled and Non-Scheduled Urban Co-operative Banks

V.7

Select Indicators of Profitability of UCBs

V.8

Non-Performing Assets of UCBs

V.9

Distribution of UCBs by CRAR (As at end-March 2013)

V.10

Composition of Credit to Priority Sectors by UCBs (As at end-March 2013)

V.11

Distribution of Districts and Banking Business of UCBs across Regions

V.12

A Profile of Rural Co-operatives (As at end-March 2012)

V.13

Liabilities and Assets of State Co-operative Banks

V.14

Trends in 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

V.20

Primary Agricultural Credit Societies - Select Balance Sheet Indicators

V.21

Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks

V.22

Financial Performance of State Co-operative Agriculture and Rural Development Banks

V.23

Asset Quality of State Co-operative Agriculture and Rural Development Banks

V.24

Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks

V.25

Financial Performance of Primary Co-operative Agriculture and Rural Development Banks

V.26

Asset Quality of Primary Co-operative Agriculture and Rural Development Banks

VI.1

Ownership Pattern of Financial Institutions (As at end-March 2013)

VI.2

Financial Assistance Sanctioned and Disbursed by Financial Institutions

VI.3

Liabilities and Assets of Financial Institutions (As at end-March)

VI.4

Resources Mobilised by Financial Institutions

VI.5

Resources Raised by Financial Institutions from Money Market (As at end-March 2013)

VI.6

Pattern of Sources and Deployment of Funds of Financial Institutions (As at end-March)

VI.7

Weighted Average Cost and Maturity of Rupee Resources Raised by Financial Institutions

VI.8

Long-term PLR Structure of Select Financial Institutions

VI.9

Financial Performance of Financial Institutions

VI.10

Select Financial Parameters of Financial Institutions (As at end-March)

VI.11

Net Non-Performing Assets of Financial Institutions (As at end-March)

VI.12

Asset Classification of Financial Institutions (As at end-March)

VI.13

Capital to Risk-Weighted Assets Ratio of Financial Institutions (As at end-March)

VI.14

Ownership Pattern of NBFCs-ND-SI and NBFCs-D (As at end-March 2013)

VI.15

Profile of Deposit-taking NBFCs

VI.16

Consolidated Balance Sheet of NBFCs-D

VI.17

Major Components of Liabilities of NBFCs-D by Classification of NBFCs (As at end-March)

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: Interest Rate Range-wise

VI.21

Maturity Pattern of Public Deposits held by NBFCs-D

VI.22

Category-wise Sources of Borrowings of NBFCs-D

VI.23

Major Components of Assets of NBFCs-D by Classification of NBFCs

VI.24

Assets of NBFCs-D by Asset-Size Ranges (As at end-March)

VI.25

Financial Performance of NBFCs-D

VI.26

NPA Ratios of NBFCs-D

VI.27

NPAs of NBFCs-D – Category-wise

VI.28

Classification of Assets of NBFCs-D by Category of NBFCs

VI.29

Capital Adequacy Ratio of NBFCs-D

VI.30

Net Owned Funds vis-à-vis Public Deposits of NBFCs-D by Classification

VI.31

Range of Net Owned Funds vis-à-vis Public Deposits of NBFCs-D (As at end-March)

VI.32

Profile of RNBCs

VI.33

Public Deposits Held by RNBCs - Region-wise

VI.34

Investment Pattern of RNBCs (As at end-March)

VI.35

Consolidated Balance Sheet of NBFCs-ND-SI (As at end-March)

VI.36

Borrowings of NBFCs-ND-SI by Region

VI.37

Financial Performance of NBFCs-ND-SI

VI.38

NPA Ratios of NBFCs-ND-SI

VI.39

Capital Adequacy Ratio of NBFCs-ND-SI – Category-wise

VI.40

Bank Exposure of NBFCs-ND-SI Sector (As at end-March 2013)

VI.41

Performance of PDs in the Primary Market (As at end-March)

VI.42

Performance of Standalone PDs in the Secondary G-Sec Market

VI.43

Sources and Applications of Funds of Standalone PDs

VI.44

Financial Performance of Standalone PDs

VI.45

Financial Indicators of Standalone PDs

VI.46

CRAR of Standalone PDs

List of Charts

II.1

Global Macro-economic Trends

II.2

Three Month Moving Average of Bank Credit Growth, in per cent

II.3

Sovereign and Bank CDS Spreads in Select Economies

II.4

Bank Stock Indices in Select Economies/Economy Groups

II.5

Leverage in the Banking Systems of Select Economies

II.6

Asset Quality of Banks in Select Economies

II.7

Progress in the US Banking System

II.8

Profit and Non-Performing Loans of US Banks

II.9

Financial and Liquidity Conditions in the Euro Area

II.10

Leverage and Loan-Deposit Ratio for Euro Area Banking System

II.11

Deleveraging of Foreign Activity by European Banks

II.12

Credit and Lending Rates in the Euro Area

II.13

Key Banking Indicators for the UK

II.14

Chinese Banking Indicators

II.15

Location of Global Banking Statistics

II.16

Share of Countries in Total Assets of Top 100 Global Banks

II.17

Percentage Distribution of Top 100 Global Banks by Return on Assets

II.18

Percentage Distribution of Top 100 Global Banks by CRAR

II.19

Percentage Distribution of Top 100 Global Banks by Capital Adequacy (leverage) Ratio

II.20

Percentage Distribution of Top Global Banks by NPL Ratio

II.21

Changes in Soundness Indicators of Top Global Banks

IV.1

Bank Credit Growth compared with Select Economic and Banking Aggregates

IV.2

Growth in Gross Advances across Bank Groups

IV.3

Trends in CASA

IV.4

Trends in CASA, by Bank Groups

IV.5

Trends in Outstanding C-D Ratio, Bank Group-wise

IV.6

Trends in Incremental C-D and I-D Ratios

IV.7

Gap between Proportion of Liabilities and Assets in Various Maturity Buckets

IV.8

Growth in Balance Sheet and Off-Balance Sheet Transactions

IV.9

Trends in Deposit and Lending Rates of SCBs

IV.10

Growth of Select Items of Income and Expenditure

IV.11

Slippage Ratio, Bank Group-wise

IV.12

Restructured Advances as per cent of Gross Advances

IV.13

Trends in Priority and Non-Priority Sector NPAs

IV.14

Gross NPA Ratios for Select Sectors

IV.15

Share of Institutions in Total Securitised Receipt of SCs/RCs

IV.16

Provisioning Coverage Ratio

IV.17

Growth in Credit to Major Sectors

IV.18

Growth in Credit to Priority Sectors

IV.19

Shares of Institutions in Total KCCs Issued

IV.20

Relative Performance of Bankex and Sensex in 2012-13

IV.21

Percentage Change in Stock Prices of Banks

IV.22

Share of Public, Private and Foreign Banks in Total Assets of the Banking Sector

IV.23

Comparison of Indian Banking Outlets Abroad and Banking Outlets of Foreign Banks in India

IV.24

Composition of Foreign Banking Outlets (Branches plus Subsidiaries)

IV.25

Growth and Composition of ATMs

IV.26

Percentage Share of Off-site and On-site ATMs

IV.27

Progress of Debit and Credit Cards

IV.28

Distribution of Complaints across Tier I and II Cities

IV.29

Shares of Five Major Types of Complaints

IV.30

Number of Complaints per Bank Branches/Accounts, 2012-13

IV.31

Progress of Banking Outlets at Villages Classified by Population

IV.32

Share of Newly Opened Branches at Unbanked Centres, Region-wise

IV.33

Regional Gap in terms of Banking Penetration

IV.34

Distribution of ATMs by Centres

V.1

Structure of Co-operative Credit Institutions in India  (As at end-March 2013)

V.2

Total Number of UCBs

V.3

State-wise Number of Mergers of UCBs - Cumulative Basis (At end-March 2013)

V.4

Tier-wise Composition of UCBs

V.5

Distribution of UCBs by Size of Assets

V.6

Growth in Assets of UCBs

V.7

Share of Scheduled and Non-Scheduled UCBs in Total Assets of UCB Sector

V.8

Credit-Deposit and Investment-Deposit Ratios for UCBs compared with SCBs

V.9

Share of Non-Interest Income in Total Income of UCBs and SCBs

V.10

Gross NPAs Growth and Ratio

V.11

Provisioning Coverage Ratio of UCBs

V.12

Distribution of UCBs by CRAR

V.13

Percentage Distribution of Credit to Select Priority Sectors by UCBs

V.14

Percentage Distribution of Credit to Weaker Sections by UCBs in Total Credit

V.15

Composition of Rural Co-operative Credit Structure, by Short and Long-term Credit Co-operatives

V.16

Profitability of Rural Co-operative Credit Structure

V.17

Indicators of Financial Soundness of StCBs

V.18

Financial Health of StCBs by Regions

V.19

Indicators of Financial Health of DCCBs

V.20

Financial Health of DCCBs by Regions

V.21

Comparison of Financial Soundness of StCBs and DCCBs

V.22

Growth in Credit Outstanding from PACS

V.23

Borrower to Member Ratio of PACS

V.24

Percentage of PACS in Profits and Loss

V.25

Comparison of NPAs Ratio of SCARDBs with Other Co-operative and Commercial Banks

V.26

Region-wise Position of Financial Health of SCARDBs

V.27

Profitability Indicators of PCARDBs

V.28

Financial Health of PCARDBs compared with SCARDBs

VI.1

Number of NBFCs Registered with the Reserve Bank (As at end-June)

VI.2

Ratio of Public Deposits of NBFCs to Broad Liquidity (L3) and Aggregate Deposits of SCBs

VI.3

Region-wise Public Deposits held by NBFCs-D: Shares (As at end-March)

VI.4

Interest Rate Range-wise Public Deposits held by NBFCs-D

VI.5

Maturity Pattern of Public Deposits held by NBFCs-D (Per cent)

VI.6

Financial Performance of NBFCs-D

IV.1

Indian Banking Sector at a Glance

IV.2

Off-Balance Sheet Exposure of Scheduled Commercial Banks in India

IV.3

Kisan Credit Card Scheme: State-wise Progress (As at end-March 2013)

IV.4

Bank Group-wise Lending to the Sensitive Sectors (As at end-March)

IV.5

Share Prices and Price/ Earning Ratios of Bank Stocks (As on the last reporting Friday of March)

IV.6

Shareholding Pattern of Scheduled Commercial Banks (As at end-March 2013)

IV.7

Branches and ATMs of Scheduled Commercial Banks (As at end-March 2013)

IV.8

Statement of Complaints Received at Banking Ombudsman Office (For the period 2012-13)

IV.9

Credit-Deposit Ratio and Investment plus Credit-Deposit Ratio of Scheduled Commercial Banks – Region/State-wise

V.1

Select Financial Parameters of Scheduled UCBs (As at end-March 2013)

V.2

Major Indicators of Financial Performance of Scheduled UCBs

V.3

State-wise Distribution of UCBs (As at end-March 2013)

V.4

Salient Indicators of Financial Health of State Co-operative Banks - Region and State-wise

V.5

Salient Indicators of Financial Health of District Central Co-operative Banks - Region and State-wise

V.6

Select Indicators of Primary Agricultural Credit Societies-State-wise (As at March 31, 2012 )

V.7

Major Financial Indicators of State Co-operative Agriculture and Rural Development Banks - State-wise

V.8

Major Financial Indicators of Primary Co-operative Agriculture and Rural Development Banks -State-wise

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