| Sr. No. | Particulars |
| Chapter I: Perspectives |
| Chapter II: Global Banking Developments |
| 1. | Introduction |
| 2. | Global Banking Policy Developments |
| 3. | Performance of the Global Banking Sector |
| 4. | World’s Largest Banks |
| 5. | Summing up |
| Chapter III: Policy Environment |
| 1. | Introduction |
| 2. | Monetary Policy and Liquidity Management |
| 3. | Regulatory Policies for Commercial Banks |
| 4. | Regional Rural Banks |
| 5. | Small Finance Banks |
| 6. | Supervisory Policies |
| 7. | Co-operative Banking |
| 8. | Non-Banking Financial Companies |
| 9. | Foreign Exchange Policies |
| 10. | Credit Delivery and Financial Inclusion |
| 11. | Consumer Protection |
| 12. | Payment and Settlement Systems |
| 13. | Overall Assessment |
| Annex III.I | Reserve Bank’s Response to the COVID-19 Disruptions |
| 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 Scheduled Commercial Banks |
| 7. | Compensation Practices |
| 8. | Foreign Banks’ Operations in India and Overseas Operations of Indian Banks |
| 9. | Digital Payments |
| 10. | Consumer Protection |
| 11. | Financial Inclusion |
| 12. | Regional Rural Banks |
| 13. | Local Area Banks |
| 14. | Small Finance Banks |
| 15. | Payments Banks |
| 16. | Overall Assessment |
| Chapter V: Developments in Co-operative Banking |
| 1. | Introduction |
| 2. | Structure and Regulation of the Co-operative Sector |
| 3. | Urban Co-operative Banks |
| 4. | Rural Co-operatives |
| 5. | Overall Assessment |
| Chapter VI: Non-Banking Financial Institutions |
| 1. | Introduction |
| 2. | Non-Banking Financial Companies |
| 3. | All India Financial Institutions |
| 4. | Primary Dealers |
| 5. | Overall Assessment |
| List of Boxes |
| II.1 | Why COVID-19 Affected Bank Deposit Growth Differently Across Countries? |
| III.1 | Resolution of COVID-19 Related Stress |
| III.2 | Bolstering the Supervisory Framework of the Reserve Bank |
| IV.1 | Impact of Movements in G-Sec Yield on Bank Profitability |
| IV.2 | Effects of Merger on Indian Banking System |
| IV.3 | Root Cause Analysis of Customer Complaints |
| V.1 | Dual Control of Co-operative Banks and BR Amendment Act |
| VI.1 | Distribution of TLTRO Funds |
| VI.2 | Drivers of Profitability of NBFCs-ND-SI |
| List of Tables |
| III.1 | Loan Moratorium |
| IV.1 | Consolidated Balance Sheet of Scheduled Commercial Banks |
| IV.2 | Trends in Flow of Financial Resources to Commercial Sector from Banks and Non-banks |
| 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 by Bank Groups |
| IV.6 | Return on Assets and Return on Equity of SCBs – Bank Group-wise |
| IV.7 | Component-wise Capital Adequacy of SCBs |
| IV.8 | Public and Rights Issues by the Banking Sector |
| IV.9 | Resources Raised by Banks through Private Placements |
| IV.10 | Asset Classification as per IRAC Norms |
| IV.11 | Movements in Non-Performing Assets by Bank Group |
| IV.12 | Classification of Loan Assets by Bank Group |
| IV.13 | NPAs of SCBs Recovered through Various Channels |
| IV.14 | Details of Financial Assets Securitised by ARCs |
| IV.15 | Frauds in Various Banking Operations Based on the Date of Reporting |
| IV.16 | Frauds in Various Banking Operations Based on Date of Occurrence |
| IV.17 | Sectoral Deployment of Gross Bank Credit |
| IV.18 | Priority Sector Lending by Banks |
| IV.19 | Weighted Average Premium on Various Categories of PSLCs |
| IV.20 | Sector-wise GNPAs of Banks |
| IV.21 | Operations of Foreign Banks in India |
| IV.22 | Digital Payments |
| IV.23 | Nature of Complaints at BOs |
| IV.24 | Bank Group-wise Insured Deposits |
| IV.25 | Financial Inclusion Plan |
| IV.26 | Tier-wise Break-up of Newly Opened Bank Branches by SCBs |
| IV.27 | ATMs |
| IV.28 | Number of ATMs of SCBs at Various Centres |
| IV.29 | Credit Flow to the MSME sector by SCBs |
| IV.30 | Progress in MSME Financing through TReDS |
| IV.31 | Consolidated Balance Sheet of Regional Rural Banks |
| IV.32 | Purpose-wise Outstanding Advances by RRBs |
| IV.33 | Financial Performance of Regional Rural Banks |
| IV.34 | Profile of Local Area Banks |
| IV.35 | Financial Performance of Local Area Banks |
| IV.36 | Consolidated Balance Sheet of Small Finance Banks |
| IV.37 | Purpose-wise Outstanding Advances by 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 |
| IV.42 | Remittances through 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 and Advances |
| V.5 | Investments by Urban Co-operative Banks |
| V.6 | Rating-wise Distribution of UCBs |
| V.7 | CRAR-wise Distribution of UCBs |
| V.8 | Non-performing Assets of UCBs |
| V.9 | Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks |
| V.10 | Select Profitability Indicators of UCBs |
| V.11 | Composition of Credit to Priority Sectors by UCBs |
| V.12 | A Profile of Rural 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 |
| VI.2 | Ownership Pattern of NBFCs |
| VI.3 | Abridged Balance Sheet of NBFCs |
| VI.4 | Analysis of Loan Moratorium |
| VI.5 | Major Components of Liabilities and Assets of NBFCs-ND-SI by Activity |
| VI.6 | Sectoral Credit Deployment by NBFCs |
| VI.7 | Sources of Borrowings of NBFCs |
| VI.8 | Bank Lending to NBFCs (Outstanding) |
| VI.9 | Financial Parameters of the NBFC Sector |
| VI.10 | Ownership Pattern of HFCs |
| VI.11 | Consolidated Balance Sheet of HFCs |
| VI.12 | Financial Ratios of HFCs |
| VI.13 | Financial Assistance Sanctioned and Disbursed by AIFIs |
| VI.14 | AIFIs’ Balance Sheet |
| VI.15 | Resources Mobilised by AIFIs in 2019-20 |
| VI.16 | Resources Raised by AIFIs from the Money Market |
| VI.17 | Pattern of 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 Applications of SPDs’ Funds |
| VI.23 | Financial Performance of SPDs |
| VI.24 | SPDs’ Financial Indicators |
| List of Charts |
| II.1 | The Macro Backdrop |
| II.2 | Bank Credit to the Private Non-Financial Sector |
| II.3 | Gross Non-performing Loans Ratio |
| II.4 | Return on Assets |
| II.5 | Capital to Risk-Weighted Assets Ratio |
| II.6 | Leverage Ratio |
| II.7 | Market-based Indicators of Bank Health |
| II.8 | Distribution of Top 100 Banks by Tier-I Capital |
| II.9 | Asset Quality and Profitability of Top 100 Banks |
| II.10 | Soundness of Top 100 Banks |
| IV.1 | Select Aggregates of SCBs |
| IV.2 | Deposit Growth of SCBs |
| IV.3 | Growth in Term Deposits and CASA Deposits |
| IV.4 | Growth in Borrowings |
| IV.5 | Bank Group-wise Growth in Advances |
| IV.6 | Change in Credit Composition |
| IV.7 | Trends in Credit Ratios |
| IV.8 | Trends in Banks’ Investments |
| IV.9 | Gap between Proportion of Assets and Liabilities in Various Maturity Buckets |
| IV.10 | International Liabilities and Assets of Banks |
| IV.11 | Off-balance Sheet Liabilities of Banks |
| IV.12 | Bank Group-wise Share in Assets and Operating Profit |
| IV.13 | Lending Rate, Deposit Rate and NIM |
| IV.14 | Impact of Provisioning on Profitability |
| IV.15 | Capitalisation of Indian Banks |
| IV.16 | Leverage and Liquidity |
| IV.17 | Asset Quality of Banks |
| IV.18 | Write-offs and Reduction in GNPAs |
| IV.19 | Stress in Large Borrowal Accounts |
| IV.20 | Stressed Asset Sales to ARCs |
| IV.21 | Share of Fraud Cases: Bank Group-wise |
| IV.22 | Sectoral NPAs of SCBs |
| IV.23 | GNPA Ratio in Various Industries |
| IV.24 | Sectoral Loans: PSBs versus PVBs |
| IV.25 | Trends in Unsecured Lending and Retail Loans |
| IV.26 | Credit to Priority Sectors – All SCBs |
| IV.27 | Monthly Trading Volume of PSLCs |
| IV.28 | Impact of PSLCs on Organic Priority Sector |
| IV.29 | Net Buyers/Sellers in the PSLC Market |
| IV.30 | Exposure to Sensitive Sectors |
| IV.31 | Government Shareholding in PSBs |
| IV.32 | Compensation Practices |
| IV.33 | Retail Digital Payments |
| IV.34 | Population Group-wise Distribution of Complaints and Major Complaint Types |
| IV.35 | Progress in Financial Inclusion in Select Emerging and Advanced Economies |
| IV.36 | PMJDY Accounts: Distribution and Average Balance |
| IV.37 | Bank Group-wise Share in Newly Opened Branches by SCBs |
| IV.38 | SCBs' ATMs versus White-label ATMs |
| IV.39 | Regional Penetration of Banks |
| V.1 | The Structure of Co-operatives by Asset Size |
| V.2 | Number of UCBs |
| V.3 | Consolidation and Asset Size |
| V.4 | UCB Mergers |
| V.5 | Asset Growth |
| V.6 | Distribution of UCBs by Asset Size |
| V.7 | Deposits Growth: UCBs versus SCBs |
| V.8 | Distribution of UCBs |
| V.9 | Credit-Deposit and Investment-Deposit Ratio: UCBs versus SCBs |
| V.10 | Distribution of Number and Business of UCBs-by Rating Categories |
| V.11 | Distribution of UCBs by CRAR |
| V.12 | Non-performing Assets: UCBs versus SCBs |
| V.13 | NPAs and PCR - UCBs |
| V.14 | Profitability Indicators- SUCBs versus NSUCBs |
| V.15 | Relative Contribution of Short-term versus Long-term Co-operatives |
| V.16 | Resource Composition: Short-term Co-operatives |
| V.17 | GNPA Ratio: A Comparison |
| V.18 | StCBs: Regional Patterns |
| V.19 | Credit-Deposit Ratio: StCBs and DCCBs |
| V.20 | Share of Operating Expenses in Total Expenses |
| V.21 | DCCBs: Regional Patterns |
| V.22 | NPAs and Recovery - StCBs versus DCCBs |
| VI.1 | Structure of NBFIs under the Reserve Bank’s Regulation |
| VI.2 | NBFCs and SCBs Credit: Non-food Credit |
| VI.3 | Registrations and Cancellations of CoR of NBFCs |
| VI.4 | Distribution of Credit of NBFCs-ND-SI |
| VI.5 | Category-wise NBFCs-ND-SI: Select Indicators |
| VI.6 | Distribution of NBFC Credit |
| VI.7 | Category-wise Sectoral Distribution of Credit |
| VI.8 | Sectoral Credit Growth: Key Sub- Sectors |
| VI.9 | Sectoral Credit Growth: Industry and Vehicle Loans |
| VI.10 | MSME Credit of NBFCs |
| VI.11 | Borrowings of NBFCs |
| VI.12 | Bank Lending to NBFCs, Group-wise |
| VI.13 | Instruments of Bank Lending to NBFC |
| VI.14 | NCD Private Placement Issuances of Private NBFCs |
| VI.15 | Three-year NCD Coupon Rates of AAA rated Private NBFCs |
| VI.16 | CP Issuances and Rates |
| VI.17 | Mutual Funds Exposure to NBFC Sector |
| VI.18 | Foreign Currency Liabilities of NBFC Sector |
| VI.19 | Public Deposits of NBFCs- D |
| VI.20 | Distribution of Deposits of NBFCs-D |
| VI.21 | Loan Sales and Securitisation of NBFCs-ND-SI |
| VI.22 | Structural Liquidity Statement of NBFCs |
| VI.23 | Profitability Ratios of NBFCs |
| VI.24 | Profitability Indicators of NBFCs-ND-SI |
| VI.25 | Select Asset Quality Indicators of NBFCs |
| VI.26 | Classification of NBFCs' Assets |
| VI.27 | NPAs of NBFCs-ND-SI |
| VI.28 | Stressed Assets of NBFCs-ND-SI by Sector |
| VI.29 | Gross and Net NPA Ratios of NBFCs- D |
| VI.30 | Capital Position of NBFC Sector |
| VI.31 | CRAR of NBFCs by Category |
| VI.32 | Exposure to Sensitive Sectors |
| VI.33 | Credit to Housing sector by HFCs and SCBs |
| VI.34 | Resources Mobilised by HFCs |
| VI.35 | Public Deposits of HFCs |
| VI.36 | Dissection of HFC’s Deposits |
| VI.37 | Financial Parameters of HFCs |
| VI.38 | NPA Ratios of HFCs |
| VI.39 | NPA Ratios of HFCs Excluding Two Major HFCs |
| VI.40 | Ownership Pattern of AIFIs |
| VI.41 | Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs |
| VI.42 | Long-term PLR Structure of Select AIFIs |
| VI.43 | AIFIs’ Financial Ratios |
| VI.44 | Select Financial Parameters of Financial Institutions |
| VI.45 | AIFIs’ Net NPAs |
| VI.46 | AIFIs’ Assets Classification |
| VI.47 | Average Rate of Underwriting Commission of PDs |
| VI.48 | Capital and Risk Weighted Asset Position of SPDs |
| 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 |
| IV.4 | Bank Group-wise Lending to the Sensitive Sectors |
| IV.5 | Shareholding Pattern of Domestic Scheduled Commercial Banks |
| IV.6 | Overseas Operations of Indian Banks |
| IV.7 | Branches and ATMs of Scheduled Commercial Banks |
| IV.8 | Statement of Complaints Received at Banking Ombudsman Office |
| IV.9 | International Liabilities of Banks in India – By Type of Instruments |
| IV.10 | International Assets of Banks in India - By Type of Instruments |
| IV.11 | Consolidated International Claims of Banks: Residual Maturity and Sector |
| IV.12 | Consolidated International Claims of Banks on Countries other than India |
| IV.13 | Progress of Microfinance Programmes |
| IV.14 | Major Financial Indicators of Regional Rural Banks- State-wise |
| IV.15 | Frauds in Various Banking Operations Based on Date of Reporting |
| V.1 | Select Financial Parameters: Scheduled UCBs |
| V.2 | Indicators of Financial Performance: Scheduled UCBs |
| V.3 | Indicators of Financial Health: State Co-operative Banks |
| V.4 | Indicators of Financial Health: District Central Co-operative Banks |
| V.5 | Primary Agricultural Credit Societies |
| V.6 | Select Indicators of Primary Agricultural Credit Societies-State-wise |
| V.7 | Details of Members and Borrowers of Primary Agricultural Credit Societies |
| 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 | Major 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 - State-wise |
| VI.1 | Consolidated Balance Sheet of NBFCs-ND-SI |
| VI.2 | Consolidated Balance Sheet of NBFCs-D |
| VI.3 | Credit to Various Sectors by NBFCs |
| VI.4 | Financial Performance of NBFCs-ND-SI |
| VI.5 | Financial Performance of NBFCs - Deposit Taking |
| VI.6 | Financial Assistance Sanctioned and Disbursed by Financial Institutions ....... |
| VI.7 | Financial Performance of Primary Dealers |
| VI.8 | Select Financial Indicators of Primary Dealers |