Global Backdrop

Growth-inflation Dynamics – Challenges for EMDEs

Domestic Economy

Macro Economic Risks

Inflation and Household Financial Savings

External Sector Vulnerabilities

Fiscal Correction - Challenges

Corporate Sector

Equity and Debt Markets

House Prices

Informal Sector and Wealth Effects

Pension System

Chapter II : Financial Institutions: Soundness and Resilience

Banking Sector Risks

Distress Dependencies and Interconnectedness

Banking Stability Measures (BSMs) – Distress Dependency Analysis

Interconnectedness

Scheduled Commercial Banks

Regional Rural Banks

Financial Institutions

Scheduled Urban Co-operative Banks

Rural Co-operative Banks

Non-Banking Financial Companies

Insurance Sector

Chapter III : Financial Sector Regulation and Infrastructure

Global Regulatory Reforms

Shadow Banking

Financial Markets: Infrastructure and Development

Regulation and Consumer Protection

Financial Stability and Development Council

Technology and Financial Markets

Payment & Settlement Systems

Deposit insurance

Annex-1: Systemic Risk Survey

Annex-2: Methodologies

LIST OF BOXES

1.1 External Sector Stabilisation Measures

1.2 Planning a Pension System for the Informal Sector

2.1 Discussion Paper on ‘Early Recognition of Financial Distress, Prompt Steps for Resolution and Fair Recovery for Lenders: Framework for Revitalising Distressed Assets in the Economy’

3.1 Cyber Security and Cyber Crimes: International Approach

LIST OF CHARTS

1.1 GDP Growth

1.2 CPI Inflation

1.3 US Unemployment Statistics

1.4 Y-o-Y Asset Price change and Inflation: US

1.5 Non-Investment Grade Corporate Debt: US

1.6 Macroeconomic Risk Map

1.7 Inflation in India

1.8 Bank Deposit Rate and Inflation

1.9 Household Savings

1.10 Outflows on account of Inward Investments

1.11 Direction of India’s Trade

1.12 Daily Variation in the USD/INR Exchange Rate

1.13 EMDE Currency Volatility

1.14 Share of Offshore Turnover in Total Turnover

1.15 Budgetary Position of the GoI: April-October

1.16 GoI Debt: Redemptions

1.17 Performance of the Corporate Sector

1.18 Corporate Sector Stability Indicator

1.19 Corporate Sector Stability Map

1.20 Annual Growth in Gross Capital Formation in Private Corporate Sector

1.21 Trends in Asset Composition of Corporate Sector

1.22 FII Net Investment in the Equity and Bond Market

1.23 FIIs and DIIs in the Indian Equity Market

1.24 FII Ownership of Index Stocks

1.25 Systemic Liquidity Indicator

1.26 Change in House Price

1.27 Growth in Finance to the Housing Sector

1.28 Demographic Projections for India

2.1 Banking Stability Indicator

2.2 Banking Stability Map

2.3 Movements of BSI

2.4 Distress between specific banks

2.5 Impact of the failure of a borrower group

2.6 Impact of the failure of a corporate borrower

2.7 Flowchart depicting a joint liquidity solvency contagion

2.8 Credit and Deposit: Y-o-Y Growth

2.9 Credit Growth – Select Sectors

2.10 Capital to Risk Weighted Assets Ratio

2.11 Trend in RWA to Total Assets and CV of SCBs

2.12 Leverage Ratio of SCBs

2.13 Asset Quality of SCBs

2.14 Distribution of Stressed Advances: Bank-wise

2.15 Asset Quality at System Level: Industries’ Size-wise

2.16 Size-wise Asset Quality and Share: Bank-group-wise

2.17 Asset Quality at System Level: Major Sectors

2.18 Performance of the Economy and NPAs

2.19 Movement in Various components of NPAs

2.20 Liabilities and Assets Composition of Overseas Branches of Indian Banks

2.21 Projection of System Level GNPAs & CRAR of SCBs

2.22 Projection of Bank-group-wise GNPAs and CRAR

2.23 Projected Sector-wise NPA

2.24 Credit Risk

2.25 Credit Risk: Concentration

2.26 Liquidity Risk

2.27 Trend in Notional Principal of Derivatives

2.28 Trend in Credit Equivalent of Derivatives

2.29 Share of Inter-bank & Customer segments in derivatives transactions

2.30 Stress Tests – Impact of shocks on Derivative Portfolio of Select Banks

2.31 Trends in Capital to Risk Weighted Assets Ratio: NBFCs – ND-SI

2.32 Trends in Gross NPA Ratio: NBFCs – ND-SI

3.1 Trends in Total Assets of some big banks during the period 2008-2013

3.2 Size of non-bank financial intermediaries

3.3 RBI Liquidity Injections and Money Market Volumes

3.4 Non-food Credit Growth

3.5 RBI’s Holdings of Central Government Securities

3.6 Trends in Cases of Frauds

3.7 Trends in Mobile Banking Transactions

LIST OF TABLES

1.1 External Sector Indicators

2.1 Loss to the Banking System under Different Stress Scenarios

2.2 Solvency Contagion Triggered by Top 5 Net Borrowers in the Interbank Market

2.3 Joint Solvency-Liquidity Contagion Triggered by Top 5 Net Borrowers

2.4 Estimated Losses of SCBs

2.5 Major Contributor to Stressed Advances of SCBs

2.6 Profitability of SCBs

2.7 Macroeconomic Scenario Assumptions

2.8 Exposure of NSCCL and ICCL to Top Five Banks

2.9 Select Financial Soundness Indicators of SUCBs

2.10 Consolidation in UCB sector

3.1 Trends in Complaints of Mis-selling

3.2 Distribution of Companies against Proportion of Pledged Shares (Size-wise)

3.3 Distribution of Companies against Proportion of Pledged Shares (Risk-wise)