GOVERNOR’S FOREWORD TO ANNUAL REPORT |
PART ONE: THE ECONOMY- REVIEW AND PROSPECTS |
I. ASSESSMENT AND PROSPECTS |
Assessment: 2015-16 |
Prospects: 2016-17 |
II. ECONOMIC REVIEW |
The Real Economy |
Price Situation |
Money and Credit |
Financial Markets |
Government Finances |
External Sector |
PART TWO: THE WORKING AND OPERATIONS OF THE RESERVE BANK OF INDIA |
III. MONETARY POLICY OPERATIONS |
Disinflation |
Operating Framework |
Sectoral Lending Rates |
Experience of the MCLR System |
IV. CREDIT DELIVERY AND FINANCIAL INCLUSION |
Credit Delivery |
Financial Inclusion |
Financial Literacy |
V. FINANCIAL MARKETS AND FOREIGN EXCHANGE MANAGEMENT |
Financial Markets Regulation Department |
Financial Markets Operations Department |
Foreign Exchange Department |
VI. REGULATION, SUPERVISION AND FINANCIAL STABILITY |
Financial Stability Unit |
Regulation of Financial Intermediaries |
Commercial Banks: Department of Banking Regulation |
Co-operative Banks: Department of Co-operative Bank Regulation |
Non-Banking Financial Companies: Department of Non-Banking Regulation |
Supervision of Financial Intermediaries |
Commercial Banks: Department of Banking Supervision |
Co-operative Banks: Department of Co-operative Bank Supervision |
Non-Banking Financial Companies: Department of Non-Banking Supervision |
Consumer Education and Protection |
Consumer Education and Protection Department |
Deposit Insurance and Credit Guarantee Corporation |
National Housing Bank |
VII. PUBLIC DEBT MANAGEMENT |
Debt Management of the Central Government |
Debt Management of State Governments |
VIII. CURRENCY MANAGEMENT |
Trends in Currency |
Currency Management Architecture |
Clean Note Policy |
Counterfeit Notes and Security Printing |
Department of Currency Management |
Bharatiya Reserve Bank Note Mudran Private Limited |
IX. PAYMENT AND SETTLEMENT SYSTEMS AND INFORMATION TECHNOLOGY |
Department of Payment and Settlement Systems |
Trend and Progress in Payment Systems |
Department of Information Technology |
X. GOVERNANCE, HUMAN RESOURCES AND ORGANISATIONAL MANAGEMENT |
Governance Structure |
Communication Processes |
Human Resource Initiatives |
Enterprise-Wide Risk Management |
Internal Audit/ Inspection |
International Relations |
Government and Bank Accounts |
Managing Foreign Exchange Reserves |
Economic and Policy Research |
Statistics and Information Management |
Legal Issues |
Corporate Strategy and Budget Management |
Corporate Services |
Rajbhasha |
Premises Department. |
XI. THE RESERVE BANK’S ACCOUNTS FOR 2015-16 |
Balance Sheet |
Statement of Significant Accounting Policies for the year ended June 30, 2016 |
Income |
Expenditure |
Annex: Chronology of Major Policy Announcements: July 2015 to June 2016 |
Appendix Tables |
BOXES |
II.1 Decoding Disinflation |
II.2 Price Setting Behaviour in India |
II.3 Currency Demand in India |
II.4 Regional Imbalance in Socio-economic Development |
II.5 Factors Influencing Remittances to India |
III.1 Monetary Policy Framework Agreement (MPFA) |
III.2 Committee Approach to Monetary Policy: International Experience |
IV.1 Priority Sector Lending Certificates (PSLCs) |
IV.2 Bank Credit to Small Borrowers: Some Insights |
IV.3 Committee on Medium-Term Path on Financial Inclusion |
V.1 Masala Bonds |
VI.1 Enforcement of Security Interest and Recovery of Debts Laws and Miscellaneous Provisions (Amendment) Bill, 2016 |
VI.2 Fin Tech and Digital Innovation – Opportunities, Challenges and Risks |
VI.3 Revival and Licensing of Unlicensed DCCBs |
VI.4 NBFC-Account Aggregator |
VI.5 Peer-to-Peer Lending |
VI.6 Banking Ombudsman Scheme – A Review |
VII.1 Sovereign Gold Bond Scheme |
VIII.1 Banknotes: New Numbering Pattern and Visually Impaired-Friendly |
IX.1 Payment and Settlement Systems in India: Vision 2018 |
IX.2 Reserve Bank Information Technology Private Limited (ReBIT) |
X.1 The RBI Policy Challenge: A National Level Competition for Students |
X.2 IORWG Survey: RBI’s Process Adjudged as an International Best Practice |
X.3 Green Finance: An Analysis |
X.4 Electronic Documents Management System (EDMS)-Darpan |
APPENDIX TABLES |
1. Macroeconomic and Financial Indicators |
2. Growth Rates and Composition of Real Gross Domestic Product (At 2011-12 Prices) |
3. Gross Savings |
4. Inflation, Money and Credit |
5. Capital Market - Primary and Secondary |
6. Key Fiscal Indicators |
7. Combined Receipts and Disbursements of the Central and State Governments |
8. India’s Overall Balance of Payments |
9. Foreign Direct Investment Flows to India: Country-wise and Industry-wise |