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Date : Dec 28, 2018
Contents
Sr. No. Particulars
Chapter I: Perspectives
Chapter II: Global Banking Developments
1. Introduction
2. The Macro-Financial Environment
3. Performance of the Global Banking Sector
4. Overall Banking Developments in Select Economies
5. World’s Largest Banks
6. Global Banking Policy Developments
7. Summing up
Chapter III: Policy Environment
1. Introduction
2. Monetary and Liquidity Management: Policy Developments
3. Regulatory Policies
4. Policies in Niche Banking
5. Supervisory Policies
6. Non-Banking Financial Companies
7. Credit Delivery
8. Financial Inclusion
9. Consumer Protection
10. Payment and Settlement Systems
11. Overall Assessment
Chapter IV: Operations and Performance of Commercial Banks
1. Introduction
2. Balance Sheet Analysis
3. Financial Performance
4. Soundness Indicators
5. Sectoral Distribution of Bank Credit
6. Operations of SCBs in the Capital Market
7. Ownership Pattern in Scheduled Commercial Banks
8. Foreign Banks’ Operations in India and Overseas Operations of Indian Banks
9. Payment System 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. Urban Co-operative Banks
3. Rural Co-operatives
4. 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
I.1 Can Financial Markets in India Predict Banking Sector Distress?
II.1 Ten Best Global Banking Practices
III.1 Insolvency and Bankruptcy Code - Impact so Far
III.2 Macro-Prudential Policies in India
IV.1 Two years of PSLCs: Rewarding the ‘Over-achievers’?
V.1 Voluntary Transition of UCBs into SFBs: The Path Ahead
VI.1 What Explains the Robust Credit Growth of NBFCs?
List of Tables
II.1 Return on Assets
II.2 Capital to Risk-Weighted Assets Ratio
II.3 Ratio of Non-performing Loans and Advances
IV.1 Consolidated Balance Sheet of Scheduled Commercial Banks
IV.2 Trends in Flow of Financial Resources to the Commercial Sector from Banks and Non-banks
IV.3 Bank Group-wise Maturity Profile of Select Liabilities/Assets
IV.4 International Liabilities of Banks in India – By Type of Instruments
IV.5 International Assets of Banks in India - By Type of Instruments
IV.6 Consolidated International Claims of Banks : Residual Maturity and Sector
IV.7 Consolidated International Claims of Banks on Countries other than India
IV.8 Trends in Income and Expenditure of Scheduled Commercial Banks
IV.9 Return on Assets and Return on Equity of SCBs – Bank Group-wise
IV.10 Cost of Funds and Return on Funds - Bank Group-wise
IV.11 Component wise Capital Adequacy of SCBs
IV.12 Trends in Non-performing Assets - Bank Group-wise
IV.13 Classification of Loan Assets - Bank Group-wise
IV.14 Sector-wise NPAs of Banks
IV.15 NPAs of SCBs Recovered through Various Channels
IV.16 Details of Financial Assets Securitised by ARCs
IV.17 Frauds in Various Banking Operations
IV.18 Sectoral Deployment of Gross Bank Credit
IV.19 Retail Loan Portfolio of Banks
IV.20 Priority Sector Lending by Banks
IV.21 Public Issues by the Banking Sector
IV.22 Operations of Foreign Banks in India
IV.23 ATMs of Scheduled Commercial Banks
IV.24 Nature of Complaints at BOs
IV.25 Progress under Financial Inclusion Plans, All SCBs including RRBs
IV.26 Tier-wise Break-up of Newly Opened Bank Branches of SCBs
IV.27 Number of ATMs of SCBs at Various Centres
IV.28 Progress of Microfinance Programmes
IV.29 Consolidated Balance Sheet of Regional Rural Banks
IV.30 Purpose-wise Outstanding Advances by RRBs
IV.31 Financial Performance of Regional Rural Banks
IV.32 Profile of Local Area Banks
IV.33 Financial Performance of Local Area Banks
IV.34 Consolidated Balance Sheet of Small Finance Banks
IV.35 Purpose-wise Outstanding Advances by Small Finance Banks
IV.36 Financial Performance of Small Finance Banks
IV.37 Consolidated Balance Sheet of Payments Banks
IV.38 Financial Performance of Payments Banks
IV.39 Select Financial Ratios of Payments Banks
IV.40 Remittances through Payments Banks during 2017-18
V.1 Tier-wise Distribution of Urban Co-operative Banks
V.2 Liabilities and Assets of Urban Co-operative Banks
V.3 Distribution of UCBs by Deposits and Advances
V.4 Investments by Urban Co-operative Banks
V.5 Rating-wise Distribution of UCBs
V.6 CRAR-wise Distribution of UCBs
V.7 Non-performing Assets of UCBs
V.8 Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks
V.9 Select Financial Indicators of UCBs
V.10 Composition of Credit to Priority Sectors by UCBs
V.11 A Profile of Rural Co-operatives
V.12 Liabilities and Assets of State Co-operative Banks
V.13 Trends in Select Balance Sheet Indicators of Scheduled State Co-operative Banks
V.14 Financial Performance of State Co-operative Banks
V.15 Soundness Indicators of State Co-operative Banks
V.16 Liabilities and Assets of District Central Co-operative Banks
V.17 Financial Performance of District Central Co-operative Banks
V.18 Soundness Indicators of District Central Co-operative Banks
V.19 Primary Agricultural Credit Societies
V.20 Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks
V.21 Financial Performance of State Co-operative Agriculture and Rural Development Banks
V.22 Asset Quality of State Co-operative Agriculture and Rural Development Banks
V.23 Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks
V.24 Financial Performance of Primary Co-operative Agriculture and Rural Development Banks
V.25 Asset Quality of Primary Co-operative Agriculture and Rural Development Banks
V.26 Comparison of Assets, Credit and Capital size of SCARDBs and StCBs
VI.1 Classification of NBFCs by Activity
VI.2 Ownership Pattern of NBFCs
VI.3 Abridged Balance Sheet of NBFCs
VI.4 Major Components of Liabilities and Assets of NBFCs-ND-SI by Classification of NBFCs
VI.5 Major Components of Liabilities and Assets of NBFCs-D by Classification of NBFCs
VI.6 Credit to Select Sectors by NBFCs
VI.7 Sources of Borrowings of NBFCs-ND-SI
VI.8 Financial Parameters of the NBFC Sector
VI.9 Ownership Pattern of HFCs
VI.10 Consolidated Balance Sheet of HFCs
VI.11 Financial Ratios of HFCs
VI.12 Financial Assistance Sanctioned and Disbursed by AIFIs
VI.13 AIFIs’ Balance sheet
VI.14 Resources Mobilised by Financial Institutions in 2017-18
VI.15 Resources Raised by AIFIs from the Money Market
VI.16 Pattern of AIFIs’ Sources and Deployment of Funds
VI.17 Financial Performance of Select AIFIs
VI.18 AIFIs’ Select Financial Parameters
VI.19 Performance of PDs in the Primary Market
VI.20 Performance of SPDs in the G-secs Secondary Market
VI.21 Sources and Applications of SPDs’ Funds
VI.22 Financial Performance of SPDs
VI.23 SPDs’ Financial Indicators
List of Charts
II.1 The Macro Backdrop
II.2 Growth in Bank Credit to the Private Non-Financial Sector
II.3 Return on Assets: Select Economies
II.4 Capital to Risk-Weighted Assets Ratio (CRAR): Select Economies
II.5 Non-performing Loans Ratio: Select Economies
II.6 Leverage Ratio: Select Economies
II.7 Market-based Indicators of Bank Health
II.8 Credit and Deposit Growth: US
II.9 Improving Asset Quality: US Banks
II.10 Bank Credit and Deposit: UK
II.11 Bank Credit in the UK : Availability and Quality
II.12 Bank Assets and Lending in the Euro Area
II.13 Depositor Base in Euro Area
II.14 The Chinese Banking System
II.15 The Brazilian Banking System
II.16 Relative Contribution to Loan Growth-Russian Banking
II.17 Distribution of Top 100 Banks by Tier - 1 Capital
II.18 Return and Asset Quality
II.19 Bank Soundness
II.20 Capital Adequacy versus Profitability versus Asset Quality
IV.1 Select Aggregates of SCBs
IV.2 Trend in CASA and Term Deposits
IV.3 Trends in Borrowings
IV.4 Bank Group-wise Growth in Advances
IV.5 Credit-GDP Ratio
IV.6 Credit Flows-Change in Composition
IV.7 Trend in Outstanding C-D Ratio
IV.8 Gap between Proportion of Assets and Liabilities in Various Maturity Buckets
IV.9 International Liabilities and Assets of Banks
IV.10 On and Off-balance Sheet Liabilities of Banks
IV.11 Provision Coverage Ratio
IV.12 Provisioning and Profitability
IV.13 Leverage Ratio
IV.14 Liquidity Coverage Ratio
IV.15 Asset Quality of Banks
IV.16 Write-offs and Reduction in GNPAs by SCBs
IV.17 Stress in Large Borrowal Accounts
IV.18 Sectoral Shares in Loans and NPAs of SCBs
IV.19 Bank Group-wise GNPA Ratio of Major Industries
IV.20 Stressed Asset Sales to ARCs
IV.21 PCA vs. Non-PCA PSBs
IV.22 Sectoral Loans: PSBs vs. PVBs
IV.23 Credit to Priority Sectors
IV.24 Growth in lending to Sensitive Sectors
IV.25 Resources Raised by Banks through Private Placements
IV.26 Relative Performance of Bank Indices and Nifty 50
IV.27 Government Shareholding in Select PSBs
IV.28 Value and Volume of Payment System Transactions
IV.29 Components of Retail Electronic Clearing: Value and Volume
IV.30 ATMs and PoS
IV.31 White-label ATMs
IV.32 Credit and Debit Cards
IV.33 Growth in Pre-paid Payment Instruments
IV.34 Population Group-wise Complaints Received at BOs
IV.35 Bank Group-wise Break-up of Major Complaint Types: 2017-18
IV.36 Progress in Financial Inclusion in Select Emerging and Advanced Economies
IV.37 PMJDY Accounts: Average Balance and Distribution
IV.38 Net Interest Margin across Bank-groups during 2017-18
V.1 The Structure of Co-operatives and their Asset Size
V.2 Fall in Number of UCBs since 2005
V.3 Number of Mergers of UCBs
V.4 Effect of Consolidation on UCBs
V.5 Tier-wise Composition of UCBs
V.6 Asset Growth of UCBs
V.7 Distribution of UCBs by Asset size
V.8 Distribution of UCBs by Deposits
V.9 Credit-Deposit and Investment-Deposit Ratio: UCBs vs. SCBs
V.10 Distribution of Number and Business of UCBs-by Rating Categories
V.11 UCBs with CRAR 9 Per cent and above
V.12 Gross Non-performing Assets: UCBs versus SCBs
V.13 NPAs and PCR - UCBs
V.14 Profitability of UCBs
V.15 Advances to Weaker Sections by UCBs
V.16 Size of Short-term versus Long-term Co-operatives
V.17 Rural Co-operatives’ Credit
V.18 Resource Composition: Short-term Co-operatives
V.19 Balance Sheet of StCBs
V.20 NPA Ratio: A Comparison
V.21 StCBs: Regional Trends
V.22 StCBs versus DCCBs: A Comparison
V.23 NPAs and Recovery - StCB’s versus DCCBs
V.24 Share of Operating Expenses in Total Expenses
V.25 Regional Movements in NPAs and Recovery- DCCBs
V.26 Regional Disparity in Financial Health of DCCBs
V.27 Growth in Credit: PACS
V.28 Total Resources of PACS
V.29 Growth in Loans Disbursed by PACS
V.30 Borrower to Member Ratio by Category
V.31 Member Share by Category
V.32 Percentage of PACS in Profit and Loss
V.33 Percentage of PACS in Profit and Loss - Regional Level
V.34 Net Profit of PACS by Region
V.35 NPA and Recovery-SCARDBs
V.36 Region-wise Position of Financial Health of SCARDBs
V.37 Profitability Indicators of PCARDBs
V.38 Financial Health of PCARDBs vis-a-vis SCARDBs
V.39 StCBs versus SCARDBs - By RoA
VI.1 Structure of NBFIs under Reserve Bank Regulation
VI.2 Registrations and Cancellations of CoR of NBFCs
VI.3 Distribution of NBFC Credit
VI.4 Components of Borrowings of NBFCs-ND-SI
VI.5 Borrowings of NBFCs-ND-SI
VI.6 Instruments of Bank Lending to NBFCs-ND-SI
VI.7 Public Deposits of NBFCs-D
VI.8 Profitability Ratios of NBFCs
VI.9 Profitability indicators of NBFCs-ND-SI
VI.10 Profitability indicators of NBFCs-D
VI.11 Asset Quality of NBFCs
VI.12 Classification of NBFCs’ Assets
VI.13 NPAs of NBFCs-ND-SI
VI.14 Sector-wise Stressed Assets and Credit Growth of NBFCs-ND-SI
VI.15 Gross and Net NPA ratio of NBFCs-D
VI.16 Capital Position of NBFC Sector
VI.17 Category-wise CRAR of NBFCs-ND-SI
VI.18 Category-wise CRAR of NBFCs-D
VI.19 Exposure to Sensitive Sectors
VI.20 Credit to housing Sector by HFCs and SCBs
VI.21 Resources mobilised by HFCs
VI.22 Deposits of HFCs
VI.23 Dissection of HFCs’ Deposits
VI.24 Financial Parameters of HFCs
VI.25 NPA Ratios of HFCs
VI.26 Ownership Pattern of AIFIs
VI.27 Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs
VI.28 Long-term PLR Structure of Select AIFIs
VI.29 AIFIs’ Financial Ratios
VI.30 Select Financial Parameters of Financial Institutions
VI.31 AIFIs’ Net NPAs
VI.32 AIFIs’ Assets Classification
VI.33 Average Rate of Underwriting Commission of PDs
VI.34 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 Complaints Received at Banking Ombudsman Office
V.1 Select Financial Parameters of Scheduled UCBs
V.2 Major Indicators of Financial Performance of Scheduled UCBs
V.3 Salient Indicators of Financial Health of State Co-operative Banks-Region and State-wise
V.4 Salient Indicators of Financial Health of District Central Co-operative Banks-Region and State-wise
V.5 Select Indicators of Primary Agricultural Credit Societies - State-wise
V.6 Major Financial Indicators of State Co-operative Agriculture and Rural Development Banks-State-wise
V.7 Major Financial Indicators of Primary Co-operative Agriculture and Rural Development 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-D
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

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