Contents - RBI - Reserve Bank of India
Contents
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 |
List of Appendix Tables |
|
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 |