| Sr. No. |
Particulars |
| Chapter I: Perspectives on the Indian Banking Sector |
| I |
Introduction |
| II |
Emerging Issues and Policy Responses |
| III |
The Way Forward |
| Chapter II: Global Banking Developments |
| I |
Introduction |
| II |
The Macro-Financial Environment |
| III |
Banking Developments: Select Advanced and Emerging Market Economies |
| IV |
World’s Biggest Banks: Profitability, Health and Soundness |
| V |
Global Policy Reforms |
| VI |
Summing Up |
| Chapter III: Policy Environment |
| I |
Introduction |
| II |
Monetary Policy and Liquidity Management |
| III |
Credit Delivery |
| IV |
Financial Inclusion |
| V |
Prudential Regulatory Policy |
| VI |
Supervisory Policy |
| VII |
Non-Banking Financial Companies (NBFCs) |
| VIII |
Customer Service / Customer Protection in Banks |
| IX |
Payment and Settlement Systems |
| X |
Banking Sector Legislations |
| XI |
Overall Assessment |
| Chapter IV: Insolvency and Bankruptcy Code and Bank Recapitalisation |
| I |
Introduction |
| II |
Insolvency and Bankruptcy Code, 2016 |
| III |
Recapitalisation of Banks |
| IV |
Summing Up |
| Chapter V: Operations and Performance of Commercial Banks |
| I |
Introduction |
| II |
Balance Sheet Operations of Scheduled Commercial Banks |
| III |
Financial Performance of Scheduled Commercial Banks |
| IV |
Soundness Indicators |
| V |
Sectoral Distribution of Bank Credit |
| VI |
Operations of Scheduled Commercial Banks in the Capital Market |
| VII |
Ownership Pattern in Scheduled Commercial Banks |
| VIII |
Foreign Banks’ Operations in India and Overseas Operations of Indian Banks |
| IX |
Payment System Indicators of Scheduled Commercial Banks |
| X |
Customer Service |
| XI |
Financial Inclusion |
| XII |
Regional Rural Banks |
| XIII |
Local Area Banks |
| XIV |
Small Finance Banks |
| XV |
Overall Assessment |
| Chapter VI: Developments in Co-operative Banking |
| I |
Introduction |
| II |
Urban Co-operative Banks |
| III |
Rural Co-operatives |
| IV |
A Comparative Assessment of Short-term and Long-term Rural Credit Co-operatives |
| V |
Overall Assessment |
| Chapter VII: Non-Banking Financial Institutions |
| I |
Introduction |
| II |
Non-Banking Financial Companies |
| III |
Payments Banks |
| IV |
All India Financial Institutions |
| V |
Primary Dealers |
| VI |
Recent Developments |
| VII |
Overall Assessment |
| List of Boxes |
| I.1 |
Proportionality in Banking Regulation - A Global Perspective |
| I.2 |
The FinTech Revolution: Impetus, Opportunities and Risks |
| II.1 |
Prompt Corrective Action across Jurisdictions |
| II.2 |
Role of Macroprudential Policies in the post- Global Financial Crisis Period |
| III.1 |
Narrow Measure of Shadow Banking |
| IV.1 |
Recovery of NPAs - Role of Different Factors |
| V.1 |
NPAs and Credit Cycles in India - Priority versus Non-Priority Sectors |
| VI.1 |
What Drives the Profitability of Scheduled and Non-scheduled UCBs?: A Du Pont Analysis |
| VII.1 |
Factors Influencing NBFCs’ Credit Growth |
| VII.2 |
Account Aggregator: A Cross-Country Analysis |
| List of Tables |
| II.1 |
Ratio of Non-performing Loans and Advances (NPL Ratio, Per cent) |
| II.2 |
Adoption Status of Basel III - Number of Basel Committee Member Jurisdictions (End-March 2017) |
| II.3 |
Implementation of Reforms - Resolution (As of end-June 2017) |
| II.4 |
Implementation of Reforms - Over-the-Counter Derivatives (As of end-June 2017) |
| II.5 |
Implementation of Reforms - Shadow Banking (As of end-June 2017) |
| IV.1 |
Transactions under Corporate Insolvency Resolution Process |
| IV.2 |
Initiation of Corporate Insolvency Transactions |
| IV.3 |
Progress in Registration of Insolvency Professionals (As on September 30, 2017) |
| IV.4 |
Recapitalisation: Experience of Advanced Economies |
| V.1 |
Trends in Flow of Financial Resources to the Commercial Sector from Banks and Non-banks |
| V.2 |
Consolidated Balance Sheet of Scheduled Commercial Banks |
| V.3 |
Public Issues by the Banking Sector |
| V.4 |
Resources Raised by Banks through Private Placements |
| V.5 |
International Assets of Banks in India - By Type of Instruments (Based on LBS Statements) |
| V.6 |
International Liabilities of Banks in India - By Type of Instruments (Based on LBS Statements) |
| V.7 |
Maturity (Residual) and Sectoral Classification of Consolidated International Claims of Banks |
| V.8 |
Consolidated International Claims of Banks on Countries other than India |
| V.9 |
Bank Group-wise Maturity Profile of Select Liabilities / Assets (As at end-March) |
| V.10 |
Trends in Income and Expenditure of Scheduled Commercial Banks |
| V.11 |
Return on Assets and Return on Equity of SCBs - Bank Group-wise |
| V.12 |
Cost of Funds and Return on Funds - Bank Group-wise |
| V.13 |
Component-wise Capital Adequacy of SCBs (As at end-March) |
| V.14 |
Trends in Non-performing Assets - Bank Group-wise |
| V.15 |
Classification of Loan Assets - Bank Group-wise (As at end-March) |
| V.16 |
Sector-wise NPAs of Banks (As at end-March) |
| V.17 |
Revised PCA Matrix - Indicators and Risk Thresholds |
| V.18 |
NPAs of SCBs Recovered through Various Channels |
| V.19 |
Details of Financial Assets Securitised by SCs / RCs |
| V.20 |
Sectoral Deployment of Gross Bank Credit |
| V.21 |
Retail Loan Portfolio of Banks |
| V.22 |
Priority Sector Lending by Banks (As at March 31, 2017) |
| V.23 |
Overseas Operations of Indian Banks (As at end-March) |
| V.24 |
ATMs of Scheduled Commercial Banks (As at end-March 2017) |
| V.25 |
Credit and Debit Cards Issued by Scheduled Commercial Banks (As at end-March 2017) |
| V.26 |
Region-wise Complaints Received at Banking Ombudsman Offices |
| V.27 |
Progress under Financial Inclusion Plans, All SCBs including RRBs |
| V.28 |
Tier-wise Break-up of Newly Opened Bank Branches |
| V.29 |
Percentage Share of ATMs of SCBs at Various Centres (As at end-March 2017) |
| V.30 |
Progress of Microfinance Programmes (As at end-March) |
| V.31 |
Financial Inclusion in BRICS and Other Emerging Economies, 2016 |
| V.32 |
Purpose-wise Outstanding Advances by RRBs (As at end-March) |
| V.33 |
Consolidated Balance Sheet of Regional Rural Banks |
| V.34 |
Financial Performance of Regional Rural Banks |
| V.35 |
Profile of Local Area Banks (As at end-March) |
| V.36 |
Financial Performance of Local Area Banks |
| V.37 |
Consolidated Balance Sheet of Small Finance Banks |
| V.38 |
Purpose-wise Outstanding Advances by Small Finance Banks |
| V.39 |
Financial Performance of Small Finance Banks |
| VI.1 |
Tier-wise Distribution of Urban Co-operative Banks (End-March 2017) |
| VI.2 |
Distribution of UCBs by Deposits and Advances (End-March 2017) |
| VI.3 |
Liabilities and Assets of Urban Co-operative Banks (End-March) |
| VI.4 |
Investments by Urban Co-operative Banks |
| VI.5 |
Rating-wise Distribution of UCBs (End-March 2017) |
| VI.6 |
CRAR-wise Distribution of UCBs (End-March 2017) |
| VI.7 |
Non-performing Assets of UCBs (End-March) |
| VI.8 |
Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks |
| VI.9 |
Select Indicators of Profitability of UCBs |
| VI.10 |
Composition of Credit to Priority Sectors by UCBs (End-March 2017) |
| VI.11 |
A Profile of Rural Co-operatives (As at end-March 2016) |
| VI.12 |
Share in Credit Flow - Rural Co-operatives |
| VI.13 |
Liabilities and Assets of State Co-operative Banks |
| VI.14 |
Select Banking Indicators of Scheduled State Co-operative Banks |
| VI.15 |
Financial Performance of State Co-operative Banks |
| VI.16 |
Soundness Indicators of State Co-operative Banks |
| VI.17 |
Regional Disparity in Financial Health of StCBs |
| VI.18 |
Liabilities and Assets of District Central Co-operative Banks |
| VI.19 |
Financial Performance of District Central Co-operative Banks |
| VI.20 |
Soundness Indicators of District Central Co-operative Banks |
| VI.21 |
Regional Disparity in Financial Health of DCCBs |
| VI.22 |
Primary Agricultural Credit Societies - Select Balance Sheet Indicators |
| VI.23 |
Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks |
| VI.24 |
Financial Performance of State Co-operative Agriculture and Rural Development Banks |
| VI.25 |
Asset Quality of State Co-operative Agriculture and Rural Development Banks |
| VI.26 |
Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks |
| VI.27 |
Financial Performance of Primary Co-operative Agriculture and Rural Development Banks |
| VI.28 |
Asset Quality of Primary Co-operative Agriculture and Rural Development Banks |
| VI.29 |
Comparison of Assets, Credit and Capital Size of SCARDBs and StCBs |
| VII.1 |
Classification of NBFCs Based on Activity |
| VII.2 |
Consolidated Balance Sheet of NBFCs (End-March) |
| VII.3 |
Credit to Select Sectors by NBFCs (End-March) |
| VII.4 |
Financial Parameters of the NBFC Sector (End-March) |
| VII.5 |
Classification of NBFCs’ Assets |
| VII.6 |
Ownership Pattern of NBFCs-ND-SI (End-March) |
| VII.7 |
Consolidated Balance Sheet of NBFCs-ND-SI (End-March) |
| VII.8 |
Major Components of Liabilities and Assets of NBFCs-ND-SI by Classification of NBFCs (End-March) |
| VII.9 |
Sources of Borrowings of NBFCs-ND-SI (End-March) |
| VII.10 |
Financial Performance of NBFCs-ND-SI |
| VII.11 |
Bank Exposure to NBFCs-ND-SI Sector (End-March 2017) |
| VII.12 |
Ownership Pattern of NBFCs-D (End-March) |
| VII.13 |
Consolidated Balance Sheet of NBFCs-D (End-March) |
| VII.14 |
Major Components of Liabilities and Assets of NBFCs-D by Classification of NBFCs (End-March) |
| VII.15 |
Financial Ratios of NBFCs-D (End-March) |
| VII.16 |
Brief Profile of Payments Banks |
| VII.17 |
Select Financial Parameters of Payments Banks (End-March 2017) |
| VII.18 |
Select Financial Ratios of Payments Banks (End-March 2017) |
| VII.19 |
Ownership Pattern of AIFIs (End-March 2017) |
| VII.20 |
Financial Assistance Sanctioned and Disbursed by AIFIs |
| VII.21 |
AIFIs’ Balance Sheet |
| VII.22 |
Resources Raised by AIFIs from the Money Market (End-March) |
| VII.23 |
Pattern of AIFIs’ Sources and Deployment of Funds |
| VII.24 |
Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs |
| VII.25 |
Financial Performance of Select AIFIs |
| VII.26 |
AIFIs’ Financial Ratios |
| VII.27 |
AIFIs’ Select Financial Parameters |
| VII.28 |
AIFIs’ Net NPAs |
| VII.29 |
AIFIs’ Assets Classification |
| VII.30 |
Performance of PDs in the Primary Market |
| VII.31 |
Performance of SPDs in the G-secs Secondary Market |
| VII.32 |
Sources and Applications of SPDs’ Funds |
| VII.33 |
Financial Performance of SPDs |
| VII.34 |
SPDs’ Financial Indicators |
| VII.35 |
Abridged Balance Sheet of NBFCs |
| VII.36 |
Weighted Average Lending Rates of Various Categories of NBFCs-ND-SI |
| List of Charts |
| II.1 |
The Macro Backdrop |
| II.2 |
Credit Growth in Select Economies |
| II.3 |
Credit to Households |
| II.4 |
Return on Assets: Select Economies |
| II.5 |
Capital to Risk Weighted Assets Ratio (CRAR): Select Economies |
| II.6 |
Non-performing Loans Ratio: Select Economies |
| II.7 |
Leverage Ratio: Select Economies |
| II.8 |
Market-based Indicators of Bank Health |
| II.9 |
Credit and Deposit Growth: USA |
| II.10 |
Improving Asset Quality: US Banks |
| II.11 |
Bank Credit and Deposits: UK |
| II.12 |
Bank Credit in the UK: Availability and Quality |
| II.13 |
Bank Assets and Lending in the Euro Area |
| II.14 |
Drivers of Deposit Growth: Euro Area |
| II.15 |
The Chinese Banking System - A Snapshot |
| II.16 |
The Brazilian Banking Sector - A Snapshot |
| II.17 |
The Russian Banking Sector - A Snapshot |
| II.18 |
Distribution of the World’s Largest Banks: Capital and Assets |
| II.19 |
Return and Asset Quality |
| II.20 |
Bank Soundness |
| II.21 |
Capital Adequacy versus Profitability versus Asset Quality |
| IV.1 |
Capital Infusion by the Government in PSBs |
| V.1 |
Growth in Select Banking Aggregates |
| V.2 |
Bank Group-wise Growth in Advances |
| V.3 |
Growth in CASA and Term-deposits, Bank Group-wise |
| V.4 |
Trends in Outstanding C-D Ratio (End-March) |
| V.5 |
Trends in Maturity Profile of Assets and Liabilities |
| V.6 |
Growth in Balance Sheet and Off-balance Sheet Transactions |
| V.7 |
Composition of Off-Balance Sheet Exposures of the Banking Sector - 2016-17 |
| V.8 |
CRAR - Bank Group-wise |
| V.9 |
Leverage Ratio - Bank Group-wise |
| V.10 |
Liquidity Coverage Ratio |
| V.11 |
Restructured Standard Advances as per cent of Gross Advances |
| V.12 |
Share of Loan Accounts with Possible Stress in Total Funded Amount Outstanding in case of Large Borrowal Accounts |
| V.13 |
Slippage Ratio |
| V.14 |
Stressed Assets to Gross Advances in Select Industries (End-March) |
| V.15 |
GNPA Ratio for Select Sectors |
| V.16 |
Provision Coverage Ratio |
| V.17 |
Stressed Asset Sale to SCs / RCs |
| V.18 |
Growth in Credit to Major Sectors |
| V.19 |
Growth in Credit to Priority Sectors |
| V.20 |
Relative Performance of Bank Indices and Nifty 50 |
| V.21 |
Bank Group-wise Share in Total Assets and Profits of Banking Sector (End-March) |
| V.22 |
Public Shareholding in Select PSBs |
| V.23 |
Instruments of Retail Payments |
| V.24 |
Growth of ATMs |
| V.25 |
Trends in Debit and Credit Cards |
| V.26 |
Progress of Pre-paid Payment Instruments |
| V.27 |
Population Group-wise Distribution of Complaints Received at BOs |
| V.28 |
Share of Major Types of Complaints |
| V.29 |
Number of Complaints per Bank Branch / Account - 2016-17 |
| V.30 |
Banking Outlets in Villages (Percentage Share in Total) |
| V.31 |
Bank Group-wise Share in PMJDY Accounts (As on December 6, 2017) |
| V.32 |
Average Balance in PMJDY Accounts |
| V.33 |
Banking Penetration across Regions |
| V.34 |
Distribution of ATMs |
| VI.1 |
Structure of Co-operative Credit Institutions in India (End-March 2017) |
| VI.2 |
The Structure of Co-operatives by Asset Size |
| VI.3 |
Fall in Number of UCBs since 2005 |
| VI.4 |
Geographical Distribution of UCB Mergers (Cumulative basis as at end-March 2017) |
| VI.5 |
Asset Growth of UCBs |
| VI.6 |
Rise of the Tier II UCBs (End-March) |
| VI.7 |
Changing Distribution of Deposits of UCBs (End-March) |
| VI.8 |
Distribution of UCBs by Deposits versus Advances (End-March 2017) |
| VI.9 |
Distribution of UCBs by Asset Size (End-March) |
| VI.10 |
Asset Share of Scheduled UCBs (End-March) |
| VI.11 |
Credit to Deposit Ratio (End-March) |
| VI.12 |
Investment to Deposit Ratio (End-March) |
| VI.13 |
SLR and Non-SLR Investments of UCBs: End-March (y-o-y percentage variation) |
| VI.14 |
Distribution of Number and Business of UCBs - by Rating Categories |
| VI.15 |
UCBs with CRAR above 9 Per cent |
| VI.16 |
Growth in Net Worth and Assets |
| VI.17 |
Non-performing Assets: UCBs versus SCBs |
| VI.18 |
NPAs and PCR - UCBs |
| VI.19 |
NPAs to Net Worth Ratio for UCBs (End-March) |
| VI.20 |
Non-interest Income Share of UCBs |
| VI.21 |
Share of Non-interest Income versus Capital Buffer - Scheduled UCBs |
| VI.22 |
Profitability Indicators - UCBs |
| VI.23 |
Profitability Indicators - SUCBs versus NSUCBs |
| VI.24 |
Priority Sector Lending - UCBs (Share in Total Advances) |
| VI.25 |
Advances to Weaker Sections by UCBs |
| VI.26 |
Share of Short-term versus Long-term Co-operatives in Total Assets of Rural Co-operatives: End-March |
| VI.27 |
Change in Number of Rural Co-operatives between March 2015 and March 2016 |
| VI.28 |
Soundness Indicators of StCBs |
| VI.29 |
Regional Trends in NPAs and Recovery |
| VI.30 |
Regional Disparity in Financial Health of StCBs |
| VI.31 |
Growth in Loans - StCBs versus DCCBs |
| VI.32 |
Credit-Deposit Ratio |
| VI.33 |
Soundness Indicators of DCCBs |
| VI.34 |
NPAs and Recovery - StCBs versus DCCBs (End-March) |
| VI.35 |
Share of Operating Expenses in Total Expenses |
| VI.36 |
Regional Trends in NPAs and Recovery - DCCBs |
| VI.37 |
Regional Disparity in Financial Health of DCCBs |
| VI.38 |
Growth in Outstanding Credit of PACS |
| VI.39 |
Resource Composition - Short-term Co-operatives |
| VI.40 |
Member Share by Category |
| VI.41 |
Borrower to Member Ratio by Category |
| VI.42 |
Borrower to Member Ratio - Shortfall from 50 Per cent Access |
| VI.43 |
Growth in Loans Disbursed by PACS |
| VI.44 |
Percentage of PACS in Profit and Loss |
| VI.45 |
Net Profit to Loans and Advances Ratio of the Short-term Credit Institutions |
| VI.46 |
Net Profit of PACS by Region |
| VI.47 |
Percentage of PACS in Profit and Loss - Regional Level (End-March 2016) |
| VI.48 |
DCCB Licensing Waterfall |
| VI.49 |
Capital-to-Assets Ratio |
| VI.50 |
CRAR: StCBs and DCCBs |
| VI.51 |
Balance Sheet Insights - SCARDBs |
| VI.52 |
NPAs and Recovery - SCARDBs |
| VI.53 |
NPA Ratios: A Comparison |
| VI.54 |
Region-wise Position of Financial Health of SCARDBs |
| VI.55 |
Profitability Indicators of PCARDBs |
| VI.56 |
Financial Health of PCARDBs vis-a-vis SCARDBs |
| VI.57 |
StCBs versus SCARDBs - By RoA |
| VII.1 |
Non-Banking Financial Institutions Regulated by the Reserve Bank of India |
| VII.2 |
Number of Registrations and Cancellations of CoR of NBFCs |
| VII.3 |
Exposure to Sensitive Sectors as a per cent of Total Assets (End-March) |
| VII.4 |
Profitability Ratios of NBFCs (End-March) |
| VII.5 |
Asset Quality of NBFCs (End-March) |
| VII.6 |
Capital Adequacy of NBFC Sector (End-March) |
| VII.7A |
Gross NPAs as a percentage of Gross Advances of NBFCs-ND-SI (End-March) |
| VII.7B |
Net NPAs of NBFCs-ND-SI (End-March) |
| VII.8 |
Category-wise CRAR of NBFCs-ND-SI (End-March) |
| VII.9A |
Public Deposits of NBFCs-D (End-March) |
| VII.9B |
Ratio of Public Deposits of NBFCs-D to SCBs' Aggregate Deposits (End-March) |
| VII.10 |
Select Financial Parameters of NBFCs-D (End-March) |
| VII.11 |
Gross NPA Ratio of NBFCs-D (End-March) |
| VII.12 |
Gross and Net NPA Ratio of NBFCs-D (End-March) |
| VII.13 |
Capital to Risk (Weighted) Assets Ratio of NBFCs-D (End-March) |
| VII.14 |
Balance Sheet of Payments Banks (End-March 2017) |
| VII.15 |
Long-term PLR Structure of Select AIFIs |
| VII.16 |
Average RoA of AIFIs |
| VII.17 |
Capital to Risk (Weighted) Assets Ratio of AIFIs |
| VII.18 |
Average Rate of Underwriting Commission of PDs |
| VII.19 |
Capital and Risk Weighted Asset Position of SPDs |
| VII.20 |
Growth Rates of Credit of NBFCs and Banks |
| VII.21 |
Sectoral Credit Deployment by NBFCs-ND-SI |
| VII.22 |
GNPA Ratio of NBFCs-ND-SI |
| List of Appendix Tables |
| V.1 |
Indian Banking Sector at a Glance |
| V.2 |
Off-Balance Sheet Exposure of Scheduled Commercial Banks in India |
| V.3 |
Kisan Credit Card Scheme: State-wise Progress (As at end-March 2017) |
| V.4 |
Bank Group-wise Lending to the Sensitive Sectors (As at end-March) |
| V.5 |
Shareholding Pattern of Domestic Scheduled Commercial Banks (As at end-March 2017) |
| V.6 |
Branches and ATMs of Scheduled Commercial Banks (As at end-March 2017) |
| V.7 |
Statement of Complaints Received at Banking Ombudsman Office (For the Period 2016-17) |
| VI.1 |
Select Financial Parameters of Scheduled UCBs (As at end-March 2017) |
| VI.2 |
Major Indicators of Financial Performance of Scheduled UCBs |
| VI.3 |
Salient Indicators of Financial Health of State Co-operative Banks - Region and State-wise (As at end-March) |
| VI.4 |
Salient Indicators of Financial Health of District Central Co-operative Banks - Region and State-wise (As at end-March) |
| VI.5 |
Select Indicators of Primary Agricultural Credit Societies - State-wise (As at end-March 2016) |
| VI.6 |
Major Financial Indicators of State Co-operative Agriculture and Rural Development Banks – State-wise (As at end-March) |
| VI.7 |
Major Financial Indicators of Primary Co-operative Agriculture and Rural Development Banks – State-wise (As at end-March) |
| VII.1 |
Credit to Various Sectors by NBFCs (End-March) |
| VII.2 |
Financial Assistance Sanctioned and Disbursed by Financial Institutions |
| VII.3 |
Financial Performance of Primary Dealers |
| VII.4 |
Select Financial Indicators of Primary Dealers |
