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PDF document (535 kb)
Date : Dec 27, 2023
Contents
Sr. No. Particulars
Chapter I: Perspectives
Chapter II: Global Banking Developments
1 Introduction
2 Global Macroeconomic Conditions
3 Global Banking Policy Developments
4 Performance of the Global Banking Sector
5 World’s Largest Banks
6 Overall Assessment
Chapter III: Policy Environment
1 Introduction
2 The Macroeconomic Policy Setting
3 Regulatory and Supervisory Policies
4 Green Initiatives
5 Technological Innovations
6 Financial Markets and Foreign Exchange Policies
7 Credit Delivery and Financial Inclusion
8 Consumer Protection
9 Payments and Settlement Systems
10 Overall Assessment
Chapter IV: Operations and Performance of Commercial Banks
1 Introduction
2 Balance Sheet Analysis of SCBs
3 Financial Performance
4 Soundness Indicators
5 Sectoral Bank Credit and NPAs
6 Ownership Patterns in Commercial Banks
7 Corporate Governance
8 Foreign Banks’ Operations in India and Overseas Operations of Indian Banks
9 Payment Systems and Scheduled Commercial Banks
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 of the Co-operative Banking 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 (NBFCs)
3 All India Financial Institutions
4 Primary Dealers
5 Overall Assessment
List of Boxes
II.1 Determinants of Green Bond Issuance: A Cross-Country Analysis
II.2 Adoption of Artificial Intelligence in Indian Banks
III.1 Review of Regulatory Framework for IDF-NBFCs
III.2 Review of Customer Service Standards
IV.1 COVID-19 Scarring Impact on Borrowers
IV.2 Is Financial Inclusion Across Indian States Converging?
V.1 Deceleration in Co-operative Bank Credit
VI.1 Rising Interconnectedness of NBFCs with Banks in India
List of Tables
II.1 Asset Quality
II.2 Regulatory Capital to Risk-Weighted Assets Ratio
III.1 Limits on Shareholding
III.2 Eligibility Criteria for Offering Internet Banking Facility by RRBs
III.3 Priority Sector Lending Targets and Sub-targets for UCBs
III.4 Interest Subvention Scheme for Women SHGs
III.5 Modified Interest Subvention Scheme for Short Term KCC Loans
IV.1 Consolidated Balance Sheet of Scheduled Commercial Banks
IV.2 Investments of SCBs
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 - Bank Group-wise
IV.6 Component-wise Capital Adequacy of SCBs
IV.7 Resources Raised by Banks
IV.8 Leverage Ratio and Liquidity Coverage Ratio
IV.9 Net Stable Funding Ratio
IV.10 Movements in Non-Performing Assets by Bank Group
IV.11 Classification of Loan Assets by Bank Group
IV.12 NPAs of SCBs Recovered through Various Channels
IV.13 Details of Financial Assets Securitised by ARCs
IV.14 Frauds in Various Banking Operations Based on the Date of Reporting
IV.15 Frauds in Various Banking Operations Based on the Date of Occurrence
IV.16 Enforcement Actions
IV.17 Sectoral Deployment of Gross Bank Credit by SCBs
IV.18 Credit Flow to the MSME Sector by SCBs
IV.19 Priority Sector Lending by Banks
IV.20 Trading Volume of PSLCs
IV.21 Weighted Average Premium on Various Categories of PSLCs
IV.22 Sector-wise GNPAs of Banks
IV.23 Independent Directors on the Board and its Committees
IV.24 Managing Director & Chief Executive Officer’s Remuneration vis-à-vis Average Employee Pay
IV.25 Operations of Foreign Banks in India
IV.26 Payment Systems Indicators
IV.27 Number of ATMs
IV.28 Geographical Distribution of ATMs: Bank Group-wise
IV.29 Nature of Complaints at RBIOs
IV.30 Bank Group-wise Insured Deposits
IV.31 Progress in Financial Inclusion Plan
IV.32 Tier-wise Break-up of Newly Opened Bank Branches by SCBs
IV.33 Progress in MSME Financing through TReDS
IV.34 Consolidated Balance Sheet of Regional Rural Banks
IV.35 Financial Performance of Regional Rural Banks
IV.36 Purpose-wise Outstanding Advances by RRBs
IV.37 Profile of Local Area Banks
IV.38 Financial Performance of Local Area Banks
IV.39 Consolidated Balance Sheet of Small Finance Banks
IV.40 Purpose-wise Outstanding Advances by Small Finance Banks
IV.41 Financial Performance of Small Finance Banks
IV.42 Consolidated Balance Sheet of Payments Banks
IV.43 Financial Performance of Payments Banks
IV.44 Select Financial Ratios of 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, Advances and Assets
V.5 Investments by UCBs
V.6 Financial Performance of Scheduled and Non-scheduled UCBs
V.7 Select Profitability Indicators of UCBs
V.8 CRAR-wise Distribution of UCBs
V.9 Component-wise Capital Adequacy of UCBs
V.10 Non-Performing Assets of UCBs
V.11 Composition of Credit to Priority Sectors by UCBs
V.12 A Profile of Rural Credit 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 under the New Regulatory Framework
VI.2 Ownership Pattern of NBFCs
VI.3 Abridged Balance Sheet of NBFCs
VI.4 Major Components of Liabilities and Assets of NBFCs by Classification
VI.5 Sectoral Credit Deployment by NBFCs
VI.6 Sources of Borrowings of NBFCs
VI.7 Financial Parameters of the NBFC Sector
VI.8 Ownership Pattern of HFCs
VI.9 Consolidated Balance Sheet of HFCs
VI.10 Financial Parameters of HFCs
VI.11 Financial Assistance Sanctioned & Disbursed by AIFIs
VI.12 AIFIs’ Balance Sheet
VI.13 Resources Mobilised by AIFIs in 2022-23
VI.14 Resources Raised by AIFIs from the Money Market
VI.15 AIFIs’ Sources and Deployment of Funds
VI.16 Financial Performance of AIFIs
VI.17 AIFIs’ Select Financial Parameters
VI.18 Performance of PDs in the Primary Market
VI.19 Performance of SPDs in the G-secs Secondary Market
VI.20 Sources and Application of SPDs Funds
VI.21 Financial Performance of SPDs
VI.22 SPDs’ Financial Indicators
List of Charts
II.1 Macroeconomic Background
II.2 Monetary Policy Rates
II.3 Bank Credit to the Private Non-Financial Sector
II.4 Provision Coverage Ratio
II.5 Return on Assets
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 of Top 100 Banks
II.10 Soundness of the Top 100 Banks
III.1 Women SHGs under DAY-NRLM
III.2 RBI-Digital Payments Index
IV.1 Select Aggregates of SCBs
IV.2 Deposit Growth
IV.3 Credit Growth and Incremental Credit
IV.4 Credit-Deposit and Investment-Deposit Ratios
IV.5 Maturity Brackets-wise Assets and Liabilities Gap
IV.6 International Assets and Liabilities of Indian Banks
IV.7 Consolidated International claims of Indian Banks
IV.8 Off-Balance Sheet Liabilities of Banks
IV.9 Profitability Ratios
IV.10 Net Interest Income and NIM
IV.11 Profitability and Provisions
IV.12 Bank Group-wise CRAR and CET1 Ratio
IV.13 Reduction in GNPAs
IV.14 Overall Stress vis-à-vis Stress in Large Borrowal Accounts
IV.15 Restructuring
IV.16 Stressed Asset Sales to ARCs
IV.17 Bank Group-wise Frauds
IV.18 Sectoral GNPA Ratios
IV.19 GNPA Ratio in Various Industries
IV.20 Credit Growth of Micro, Small, Medium and Large Industries
IV.21 GNPA Ratio of Micro, Small, Medium and Large Industries
IV.22 Buyers and Sellers in PSLC Market
IV.23 Exposure to Sensitive Sectors
IV.24 Share of Unsecured Advances in Total Advances
IV.25 Distribution of Retail Borrowers by Age
IV.26 Ownership Pattern of PVBs
IV.27 Capital Infusion in PSBs
IV.28 Overseas Branches of Indian Banks
IV.29 Components of Payment Systems
IV.30 Entity Type-wise Complaints Received at ORBIOs
IV.31 Distribution of Complaints
IV.32 Insured Deposits
IV.33 Progress of Financial Inclusion in G20 countries
IV.34 Demographic Progress in Financial Inclusion
IV.35 State-wise Distribution of Bank Branches and Digital Banking Units
IV.36 Distribution of Newly Opened Bank Branches of SCBs
IV.37 Regional Penetration of Banks
IV.38 Concentration of Small Finance Banks
V.1 Structure of Credit Co-operatives
V.2 Distribution of Credit Co-operatives by Asset Size
V.3 Number of UCBs
V.4 Consolidation Drive in UCBs
V.5 Asset Growth
V.6 Deposits and Advances
V.7 Credit-Deposit Ratio: UCBs versus SCBs
V.8 Investments of UCBs
V.9 SUCBs' CRAR Distribution
V.10 Asset Quality
V.11 Priority Sector Lending
V.12 Share of Rural Credit Co-operatives in Total Co-operative Sector
V.13 Long-term versus Short-term RCCs
V.14 Loss-Making Co-operatives
V.15 Short-term Rural Co-operatives: Balance Sheet and Soundness Indicators
VI.1 Structure of NBFIs under the Reserve Bank’s Regulation
VI.2 NBFCs' Credit vis-à-vis SCBs' Credit and GDP
VI.3 Scale-Based Regulation for NBFCs
VI.4 Registrations and Cancellations of Certificate of Registrations of NBFCs
VI.5 Nature of NBFCs’ Loans and Advances, by Category
VI.6 NBFCs’ Loans and Advances
VI.7 Total Assets of NBFCs, by Classification
VI.8 Distribution of NBFC Credit
VI.9 NBFCs’ Credit to MSME Sector
VI.10 Vehicle Loans- NBFCs vis-à-vis SCBs
VI.11 Advances against Gold by NBFCs and SCBs
VI.12 Sectoral Distribution of Credit, by Classification
VI.13 Micro-credit Outstanding across Regulated Entities
VI.14 Repayment of NBFCs’ Borrowings
VI.15 NCD Private Placements of Private NBFCs
VI.16 Spread of NBFC Bonds over G-Sec of Corresponding Maturity
VI.17 Public Deposits with NBFCs-D
VI.18 Loan Sales and Securitisation by NBFCs-ND-SI
VI.19 Structural Liquidity Statement of NBFCs
VI.20 Profitability Ratios of NBFCs
VI.21 Asset Quality of NBFCs
VI.22 Classification of NBFCs' Assets
VI.23 Delinquency in Performing Assets
VI.24 NPA Ratios, by Category
VI.25 Sectoral GNPA Ratios of NBFC Sector
VI.26 Stress in Large Borrowal Accounts
VI.27 CRAR of NBFCs
VI.28 Exposure to Sensitive Sectors
VI.29 Credit to Housing Sector by HFCs and SCBs
VI.30 Resources Mobilised by HFCs
VI.31 Public Deposits with HFCs
VI.32 Distribution of HFCs’ Public Deposits
VI.33 HFCs' GNPA and NNPA Ratios
VI.34 Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs
VI.35 Long-term PLR Structure of Select AIFIs
VI.36 Select Financial Parameters of AIFIs
VI.37 Asset Classification and NNPA Ratio of AIFIs
VI.38 Average Rate of Underwriting Commission of PDs
VI.39 Capital and Risk Weighted Asset Position of SPDs
List of Appendix Tables
IV.1 Indian Banking Sector at a Glance
IV.2 International Liabilities and Assets of Banks in India – By Type of Instruments
IV.3 International Assets of Banks in India - By Type of Instruments
IV.4 Consolidated International Claims of Banks on Countries other than India
IV.5 Consolidated International Claims of Banks: Residual Maturity and Sector
IV.6 Off-Balance Sheet Exposure of Scheduled Commercial Banks in India
IV.7 Frauds in Various Banking Operations Based on Date of Reporting
IV.8 Kisan Credit Card Scheme: State-wise Progress
IV.9 Bank Group-wise Lending to the Sensitive Sectors
IV.10 Shareholding Pattern of Domestic Scheduled Commercial Banks
IV.11 Overseas Operations of Indian Banks
IV.12 Branches and ATMs of Scheduled Commercial Banks
IV.13 Statement of complaints received at RBI Ombudsman Office
IV.14 Progress of Microfinance Programmes
IV.15 Major Financial Indicators of Regional Rural Banks – State-wise
IV.16 RRBs - PSL Target and Achievement
V.1 Select Financial Parameters: Scheduled UCBs
V.2 Indicators of Financial Performance: Scheduled UCBs
V.3 Salient Indicators of Financial Health of State Co-operative Banks
V.4 Salient Indicators of Financial Health of District Central Co-operative Banks
V.5 Details of Members and Borrowers of Primary Agricultural Credit Societies
V.6 Primary Agricultural Credit Societies
V.7 Select Indicators of Primary Agricultural Credit Societies-State-wise
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 Financial Indicators of State Co-operative Agriculture and Rural Development Banks
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
VI.1 Consolidated Balance Sheet of NBFCs
VI.2 Consolidated Balance Sheet of NBFCs-ND-SI
VI.3 Consolidated Balance Sheet of NBFCs-D
VI.4 Credit to Various Sectors by NBFCs
VI.5 Financial Performance of NBFCs-ND-SI
VI.6 Financial Performance of NBFCs-D
VI.7 Financial Assistance Sanctioned and Disbursed by Financial Institutions
VI.8 Financial Performance of Primary Dealers
VI.9 Select Financial Indicators of Primary Dealers

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