| 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 |