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Date : Dec 28, 2021
Sr. No. Particulars
Chapter I: Perspectives
Chapter II: Global Banking Developments
1. Introduction
2. Global Banking Policy Developments
3. Performance of the Global Banking Sector
4. World’s Largest Banks
5. Summing up
Chapter III: Policy Environment
1. Introduction
2. Monetary Policy and Liquidity Management
3. Regulatory Policies
4. Supervisory Policies
5. New Institutional Developments
6. Financial Markets
7. Foreign Exchange Policies
8. Credit Delivery and Financial Inclusion
9. Consumer Protection
10. Payments 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 Bank Credit: Distribution and NPAs
6. Performance of Banking Stocks
7. Ownership Pattern in Commercial Banks
8. Corporate Governance
9. Foreign Banks’ Operations in India and Overseas Operations of Indian Banks
10. Payment Systems and Scheduled Commercial Banks
11. Consumer Protection
12. Financial Inclusion
13. Regional Rural Banks
14. Local Area Banks
15. Small Finance Banks
16. Payments Banks
17. 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
3. All India Financial Institutions
4. Primary Dealers
5. Overall Assessment
List of Boxes
II.1 Climate Change and Financial Stability: Assessment and Way Forward
III.1 Report of the Committee to Review the Working of Asset Reconstruction Companies
III.2 Business Correspondent Survey
III.3 Reserve Bank - Integrated Ombudsman Scheme, 2021
IV.1 Slowdown in Credit Growth: Supply or Demand Driven?
IV.2 Determinants of Priority Sector Lending
IV.3 Impact of COVID-19 Lockdown on Banking Stock Performance
IV.4 Financial Inclusion Index
IV.5 Impact of Amalgamation of Regional Rural Banks
V.1 Report of the Expert Committee on Primary (Urban) Co-operative Banks
V.2 Impact of COVID-19 on Rural Co-operative Banks
VI.1 Impact of COVID-19 on NBFCs-MFI
List of Tables
III.1a Special Refinance Facility for AIFIs
III.1b Institution-wise Loan Availment by AIFIs
III.2 Resolution Framework for COVID-19 Stressed Borrowers
III.3 Risk Weights for New Housing Loans
III.4 Progress in Usage of CKYCR
III.5 Risk Thresholds for PCA Framework for NBFCs
III.6 Restructuring of MSME Advances
IV.1 Consolidated Balance Sheet of Scheduled Commercial Banks
IV.2 Bank Group-wise Maturity Profile of Select Liabilities/Assets
IV.3 Trends in Income and Expenditure of Scheduled Commercial Banks
IV.4 Cost of Funds and Return on Funds
IV.5 Component-wise Capital Adequacy of SCBs
IV.6 Public and Rights Issues by the Banking Sector
IV.7 Resources Raised by Banks through Private Placements
IV.8 Movement in Non-Performing Assets
IV.9 Classification of Loan Assets by Bank Group
IV.10 NPAs of SCBs Recovered through Various Channels
IV.11 Details of Financial Assets Securitised by ARCs
IV.12 Frauds in Various Banking Operations Based on the Date of Reporting
IV.13 Frauds in Various Banking Operations Based on the Date of Occurrence
IV.14 Enforcement Actions
IV.15 Sectoral Deployment of Gross Bank Credit
IV.16 Priority Sector Lending by Banks
IV.17 Weighted Average Premium on Various Categories of PSLCs
IV.18 Sector-wise GNPAs of Banks
IV.19 Operations of Foreign Banks in India
IV.20 Payment Systems Indicators
IV.21 Number of ATMs
IV.22 Geographical Distribution of ATMs – Bank-Group wise
IV.23 Nature of Complaints at BOs
IV.24 Bank Group-wise Insured Deposits
IV.25 Progress in Financial Inclusion Plan
IV.26 Tier-wise Break-up of Newly Opened Bank Branches by SCBs
IV.27 Credit Flow to the MSME Sector by SCBs
IV.28 Progress in MSME Financing through TReDS
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
V.1 Tier-wise Distribution of Urban Co-operative Banks
V.2 Balance Sheet of Urban Co-operative Banks
V.3 Distribution of UCBs by size of 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 Component-wise Capital Adequacy of UCBs
V.8 Non-performing Assets of UCBs
V.9 Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks
V.10 Select Profitability Indicators of UCBs
V.11 Composition of Credit to Priority Sectors by UCBs
V.12 A Profile of Rural 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
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
VI.5 Sectoral Credit Deployment by NBFCs
VI.6 Sources of Borrowings of NBFCs
VI.7 Financial Parameters of the NBFC Sector
VI.8 Expenses of NBFCs
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 AIFIs in 2020-21
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 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 Macroeconomic Background
II.2 Monetary Policy Rates
II.3 Bank Credit to the Private Non-Financial Sector
II.4 Asset Quality
II.5 Return on Assets
II.6 Capital Adequacy Ratios
II.7 Leverage Ratio
II.8 Market-based Indicators of Bank Health
II.9 G-SIB Score of top 15 banks: 2020 versus 2014
II.10 Distribution of Top 100 Banks by Tier-I Capital
II.11 Asset Quality and Capital Adequacy of the Top 100 banks
II.12 Soundness of Top 100 Banks
III.1 Gold Loans vis-à-vis Personal Loans
III.2 Impact of CRR Cut
III.3 SLR in HTM as per cent of NDTL
IV.1 Select Aggregates of SCBs
IV.2 Credit and Deposits: Households and Private Non-Financial Corporations
IV.3 Term Deposits of SCBs
IV.4 Growth in CASA Deposits
IV.5 Growth in Borrowings
IV.6 Growth in Advances
IV.7 Change in Credit Composition
IV.8 Credit-GDP Ratio
IV.9 Credit -Deposit and Investment-Deposit Ratios
IV.10 Investment Portfolio
IV.11 Gap between Proportion of Assets and Liabilities in Various Maturity Buckets
IV.12 International Liabilities and Assets of Indian Banks
IV.13 Off-Balance Sheet Liabilities of Banks
IV.14 Profitability Ratios
IV.15 Lending Rate, Deposit Rate and NIM
IV.16 Impact of Provisioning on Profitability
IV.17 Distance from Regulatory Minimum
IV.18 Leverage and Liquidity
IV.19 Asset Quality of Banks
IV.20 Reduction in GNPAs
IV.21 Stress in Large Borrowal Accounts
IV.22 Stressed Asset Sales to ARCs
IV.23 Bank-Group wise Frauds
IV.24 Sectoral Growth and GNPA Ratios
IV.25 Restructured Standard Advances
IV.26 Credit to Priority Sectors – All SCBs
IV.27 Trading Volume of PSLCs
IV.28 Exposure to Sensitive Sectors
IV.29 Relative Performance of Bank Indices and NIFTY-50 Index
IV.30 Government’s Shareholding in PSBs
IV.31 Share of Independent Directors in PVBs
IV.32 CEO Pay vis-a-vis Average Employee Pay
IV.33 Components of CEO Remuneration
IV.34 Components of Payment Systems
IV.35 RBI – Digital Payments Index
IV.36 Population Group-wise Distribution of Complaints and Major Complaint Types
IV.37 Progress in Financial Inclusion in Select Emerging and Advanced Economies
IV.38 Gender-wise Share in Credit and Deposits
IV.39 PMJDY Accounts: Distribution and Average Balance
IV.40 Bank and Population Group-wise Newly Opened Bank Branches by SCBs
IV.41 SHGs – Average Loan Outstanding and Average Savings
IV.42 Regional Penetration of Banks
V.1 Structure of Co-operative Banks
V.2 Distribution of Co-operative Banks by Asset Size
V.3 Number of UCBs
V.4 Consolidation Drive in UCBs
V.5 Balance Sheet Indicators : SCBs versus UCBs
V.6 Asset Growth
V.7 Deposits and Advances: SCBs versus UCBs
V.8 Credit-Deposit Ratio: UCBs versus SCBs
V.9 Distribution of UCBs by Asset Size
V.10 Distribution of UCBs by Deposits and Advances
V.11 Investments by UCBs
V.12 Distribution of Number and Banking Business of UCBs-by Rating Categories
V.13 Share of UCBs with CRAR less than 9 per cent
V.14 NPA Ratio: UCBs versus SCBs
V.15 Large Borrowal Accounts – Lending versus NPAs
V.16 Stress in Large Borrowal Accounts
V.17 Profitability Indicators- SUCBs versus NSUCBs
V.18 Priority Sector Lending
V.19 Long-term versus Short-term Rural Co-operatives
V.20 Comparison of Short-term Rural Co-operatives
V.21 State Co-operative Banks’ Profits
V.22 Credit-Deposit Ratio
V.23 Share of Operating Expenses in Total Expenses
V.24 DCCBs’ Profits
V.25 NPA ratio : StCBs versus DCCBs
VI.1 Structure of NBFIs under the Reserve Bank’s Regulation
VI.2 NBFCs' Credit vis-à-vis SCBs' Credit and GDP
VI.3 Registrations and Cancellations of Certificate of Registrations of NBFCs
VI.4 Distribution of NBFCs' Credit
VI.5 Classification-wise NBFCs: Select Indicators
VI.6 Distribution of NBFC Credit
VI.7 Classification-wise Sectoral Distribution of Credit
VI.8 NBFC Credit to Industry vis-a-vis Macro Indicators
VI.9 MSME Credit by NBFCs
VI.10 Incremental Credit to Commercial Real Estate: NBFCs and SCBs
VI.11 Distribution of Retail Loans of NBFCs
VI.12 Vehicle Loans: NBFCs and SCBs
VI.13 Incremental Vehicle Loans: NBFCs and SCBs
VI.14 Distribution of Advances against Gold: NBFCs and SCBs
VI.15 Micro-credit Loan Outstanding across Lenders
VI.16 Disbursement Trend in the Microfinance Segment
VI.17 NBFCs-MFI: Outstanding Loans and Number of Active Accounts
VI.18 NBFCs’ Borrowings: Repayment in Time Buckets
VI.19 NCD Private Placements of NBFCs
VI.20 Yield of NBFC Bonds : Spread over G-Sec of Corresponding Maturity
VI.21 Box Plot of NCD Coupon Rates of NBFCs- Rating-wise
VI.22 Bank Lending to NBFCs: Group-wise
VI.23 Instruments of Banks’ Lending to NBFCs
VI.24 CP Issuances and Rates
VI.25 Public Deposits with NBFCs- D
VI.26 Distribution of Deposits with NBFCs-D
VI.27 Loan Sales and Securitisation of NBFCs-ND-SI
VI.28 Structural Liquidity Statement of NBFCs
VI.29 Profitability Ratios of NBFCs
VI.30 Profitability Indicators of NBFCs-ND-SI
VI.31 Asset Quality of NBFCs
VI.32 Provision Coverage Ratio of NBFCs
VI.33 Classification of NBFCs' Assets
VI.34 Performing Loans Overdue
VI.36 Sectoral Distribution of NPAs of NBFCs
VI.37 Stressed Assets of NBFCs-ND-SI by Sector
VI.38 Gross and Net NPA Ratios of NBFCs- D
VI.39 Stress in Large Borrowal Accounts
VI.40 Capital Position of NBFC Sector
VI.41 CRAR of NBFCs by Category
VI.42 Exposure to Sensitive Sectors
VI.43 Credit to Housing sector by HFCs and SCBs
VI.44 Resources Mobilised by HFCs
VI.45 Public Deposits with HFCs
VI.46 Distribution of HFCs’ Public Deposits
VI.47 Financial Parameters of HFCs
VI.48 HFCs: GNPA and NNPA Ratios
VI.49 Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs
VI.50 Long-term PLR Structure of Select AIFIs
VI.51 AIFIs’ Financial Ratios
VI.52 Select Financial Parameters of AIFIs
VI.53 AIFIs’ Net NPAs
VI.54 AIFIs’ Assets Classification
VI.55 Average Rate of Underwriting Commission of PDs
VI.56 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 Statement of Complaints Received at Banking Ombudsman Office
IV.9 International Liabilities of Banks in India – By Type of Instruments
IV.10 International Assets of Banks in India - By Type of Instruments
IV.11 Consolidated International Claims of Banks: Residual Maturity and Sector
IV.12 Consolidated International Claims of Banks on Countries other than India
IV.13 Progress of Microfinance Programmes
IV.14 Major Financial Indicators of Regional Rural Banks- State-wise
IV.15 RRBs- PSL Target and Achievement-2020-21
IV.16 Frauds in Various Banking Operations Based on Date of Reporting
V.1 Select Financial Parameters of Scheduled UCBs
V.2 Indicators of Financial Performance: Scheduled UCBs
V.3 Indicators of Financial Health of State Co-operative Banks
V.4 Indicators of Financial Health of District Central Co-operative Banks
V.5 Primary Agricultural Credit Societies
V.6 Select Indicators of Primary Agricultural Credit Societies-State-wise
V.7 Details of Members and Borrowers of Primary Agricultural Credit Societies
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 Major 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 – State-wise
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 - Deposit Taking
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