| Sr. No. | Particulars |
| Chapter I: Perspectives on the Indian Banking Sector |
| I | Introduction |
| II | Emerging Issues and Policy Responses |
| III | The Way Forward |
| Chapter II: Global Banking Developments |
| I | Introduction |
| II | The Macro-Financial Environment |
| III | Banking Developments: Select Advanced and Emerging Market Economies |
| IV | World’s Biggest Banks: Profitability, Health and Soundness |
| V | Global Policy Reforms |
| VI | Summing Up |
| Chapter III: Policy Environment |
| I | Introduction |
| II | Monetary Policy and Liquidity Management |
| III | Credit Delivery |
| IV | Financial Inclusion |
| V | Prudential Regulatory Policy |
| VI | Supervisory Policy |
| VII | Non-Banking Financial Companies (NBFCs) |
| VIII | Customer Service / Customer Protection in Banks |
| IX | Payment and Settlement Systems |
| X | Banking Sector Legislations |
| XI | Overall Assessment |
| Chapter IV: Insolvency and Bankruptcy Code and Bank Recapitalisation |
| I | Introduction |
| II | Insolvency and Bankruptcy Code, 2016 |
| III | Recapitalisation of Banks |
| IV | Summing Up |
| Chapter V: Operations and Performance of Commercial Banks |
| I | Introduction |
| II | Balance Sheet Operations of Scheduled Commercial Banks |
| III | Financial Performance of Scheduled Commercial Banks |
| IV | Soundness Indicators |
| V | Sectoral Distribution of Bank Credit |
| VI | Operations of Scheduled Commercial Banks in the Capital Market |
| VII | Ownership Pattern in Scheduled Commercial Banks |
| VIII | Foreign Banks’ Operations in India and Overseas Operations of Indian Banks |
| IX | Payment System Indicators of Scheduled Commercial Banks |
| X | Customer Service |
| XI | Financial Inclusion |
| XII | Regional Rural Banks |
| XIII | Local Area Banks |
| XIV | Small Finance Banks |
| XV | Overall Assessment |
| Chapter VI: Developments in Co-operative Banking |
| I | Introduction |
| II | Urban Co-operative Banks |
| III | Rural Co-operatives |
| IV | A Comparative Assessment of Short-term and Long-term Rural Credit Co-operatives |
| V | Overall Assessment |
| Chapter VII: Non-Banking Financial Institutions |
| I | Introduction |
| II | Non-Banking Financial Companies |
| III | Payments Banks |
| IV | All India Financial Institutions |
| V | Primary Dealers |
| VI | Recent Developments |
| VII | Overall Assessment |
| List of Boxes |
| I.1 | Proportionality in Banking Regulation - A Global Perspective |
| I.2 | The FinTech Revolution: Impetus, Opportunities and Risks |
| II.1 | Prompt Corrective Action across Jurisdictions |
| II.2 | Role of Macroprudential Policies in the post- Global Financial Crisis Period |
| III.1 | Narrow Measure of Shadow Banking |
| IV.1 | Recovery of NPAs - Role of Different Factors |
| V.1 | NPAs and Credit Cycles in India - Priority versus Non-Priority Sectors |
| VI.1 | What Drives the Profitability of Scheduled and Non-scheduled UCBs?: A Du Pont Analysis |
| VII.1 | Factors Influencing NBFCs’ Credit Growth |
| VII.2 | Account Aggregator: A Cross-Country Analysis |
| List of Tables |
| II.1 | Ratio of Non-performing Loans and Advances (NPL Ratio, Per cent) |
| II.2 | Adoption Status of Basel III - Number of Basel Committee Member Jurisdictions (End-March 2017) |
| II.3 | Implementation of Reforms - Resolution (As of end-June 2017) |
| II.4 | Implementation of Reforms - Over-the-Counter Derivatives (As of end-June 2017) |
| II.5 | Implementation of Reforms - Shadow Banking (As of end-June 2017) |
| IV.1 | Transactions under Corporate Insolvency Resolution Process |
| IV.2 | Initiation of Corporate Insolvency Transactions |
| IV.3 | Progress in Registration of Insolvency Professionals (As on September 30, 2017) |
| IV.4 | Recapitalisation: Experience of Advanced Economies |
| V.1 | Trends in Flow of Financial Resources to the Commercial Sector from Banks and Non-banks |
| V.2 | Consolidated Balance Sheet of Scheduled Commercial Banks |
| V.3 | Public Issues by the Banking Sector |
| V.4 | Resources Raised by Banks through Private Placements |
| V.5 | International Assets of Banks in India - By Type of Instruments (Based on LBS Statements) |
| V.6 | International Liabilities of Banks in India - By Type of Instruments (Based on LBS Statements) |
| V.7 | Maturity (Residual) and Sectoral Classification of Consolidated International Claims of Banks |
| V.8 | Consolidated International Claims of Banks on Countries other than India |
| V.9 | Bank Group-wise Maturity Profile of Select Liabilities / Assets (As at end-March) |
| V.10 | Trends in Income and Expenditure of Scheduled Commercial Banks |
| V.11 | Return on Assets and Return on Equity of SCBs - Bank Group-wise |
| V.12 | Cost of Funds and Return on Funds - Bank Group-wise |
| V.13 | Component-wise Capital Adequacy of SCBs (As at end-March) |
| V.14 | Trends in Non-performing Assets - Bank Group-wise |
| V.15 | Classification of Loan Assets - Bank Group-wise (As at end-March) |
| V.16 | Sector-wise NPAs of Banks (As at end-March) |
| V.17 | Revised PCA Matrix - Indicators and Risk Thresholds |
| V.18 | NPAs of SCBs Recovered through Various Channels |
| V.19 | Details of Financial Assets Securitised by SCs / RCs |
| V.20 | Sectoral Deployment of Gross Bank Credit |
| V.21 | Retail Loan Portfolio of Banks |
| V.22 | Priority Sector Lending by Banks (As at March 31, 2017) |
| V.23 | Overseas Operations of Indian Banks (As at end-March) |
| V.24 | ATMs of Scheduled Commercial Banks (As at end-March 2017) |
| V.25 | Credit and Debit Cards Issued by Scheduled Commercial Banks (As at end-March 2017) |
| V.26 | Region-wise Complaints Received at Banking Ombudsman Offices |
| V.27 | Progress under Financial Inclusion Plans, All SCBs including RRBs |
| V.28 | Tier-wise Break-up of Newly Opened Bank Branches |
| V.29 | Percentage Share of ATMs of SCBs at Various Centres (As at end-March 2017) |
| V.30 | Progress of Microfinance Programmes (As at end-March) |
| V.31 | Financial Inclusion in BRICS and Other Emerging Economies, 2016 |
| V.32 | Purpose-wise Outstanding Advances by RRBs (As at end-March) |
| V.33 | Consolidated Balance Sheet of Regional Rural Banks |
| V.34 | Financial Performance of Regional Rural Banks |
| V.35 | Profile of Local Area Banks (As at end-March) |
| V.36 | Financial Performance of Local Area Banks |
| V.37 | Consolidated Balance Sheet of Small Finance Banks |
| V.38 | Purpose-wise Outstanding Advances by Small Finance Banks |
| V.39 | Financial Performance of Small Finance Banks |
| VI.1 | Tier-wise Distribution of Urban Co-operative Banks (End-March 2017) |
| VI.2 | Distribution of UCBs by Deposits and Advances (End-March 2017) |
| VI.3 | Liabilities and Assets of Urban Co-operative Banks (End-March) |
| VI.4 | Investments by Urban Co-operative Banks |
| VI.5 | Rating-wise Distribution of UCBs (End-March 2017) |
| VI.6 | CRAR-wise Distribution of UCBs (End-March 2017) |
| VI.7 | Non-performing Assets of UCBs (End-March) |
| VI.8 | Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks |
| VI.9 | Select Indicators of Profitability of UCBs |
| VI.10 | Composition of Credit to Priority Sectors by UCBs (End-March 2017) |
| VI.11 | A Profile of Rural Co-operatives (As at end-March 2016) |
| VI.12 | Share in Credit Flow - Rural Co-operatives |
| VI.13 | Liabilities and Assets of State Co-operative Banks |
| VI.14 | Select Banking Indicators of Scheduled State Co-operative Banks |
| VI.15 | Financial Performance of State Co-operative Banks |
| VI.16 | Soundness Indicators of State Co-operative Banks |
| VI.17 | Regional Disparity in Financial Health of StCBs |
| VI.18 | Liabilities and Assets of District Central Co-operative Banks |
| VI.19 | Financial Performance of District Central Co-operative Banks |
| VI.20 | Soundness Indicators of District Central Co-operative Banks |
| VI.21 | Regional Disparity in Financial Health of DCCBs |
| VI.22 | Primary Agricultural Credit Societies - Select Balance Sheet Indicators |
| VI.23 | Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks |
| VI.24 | Financial Performance of State Co-operative Agriculture and Rural Development Banks |
| VI.25 | Asset Quality of State Co-operative Agriculture and Rural Development Banks |
| VI.26 | Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks |
| VI.27 | Financial Performance of Primary Co-operative Agriculture and Rural Development Banks |
| VI.28 | Asset Quality of Primary Co-operative Agriculture and Rural Development Banks |
| VI.29 | Comparison of Assets, Credit and Capital Size of SCARDBs and StCBs |
| VII.1 | Classification of NBFCs Based on Activity |
| VII.2 | Consolidated Balance Sheet of NBFCs (End-March) |
| VII.3 | Credit to Select Sectors by NBFCs (End-March) |
| VII.4 | Financial Parameters of the NBFC Sector (End-March) |
| VII.5 | Classification of NBFCs’ Assets |
| VII.6 | Ownership Pattern of NBFCs-ND-SI (End-March) |
| VII.7 | Consolidated Balance Sheet of NBFCs-ND-SI (End-March) |
| VII.8 | Major Components of Liabilities and Assets of NBFCs-ND-SI by Classification of NBFCs (End-March) |
| VII.9 | Sources of Borrowings of NBFCs-ND-SI (End-March) |
| VII.10 | Financial Performance of NBFCs-ND-SI |
| VII.11 | Bank Exposure to NBFCs-ND-SI Sector (End-March 2017) |
| VII.12 | Ownership Pattern of NBFCs-D (End-March) |
| VII.13 | Consolidated Balance Sheet of NBFCs-D (End-March) |
| VII.14 | Major Components of Liabilities and Assets of NBFCs-D by Classification of NBFCs (End-March) |
| VII.15 | Financial Ratios of NBFCs-D (End-March) |
| VII.16 | Brief Profile of Payments Banks |
| VII.17 | Select Financial Parameters of Payments Banks (End-March 2017) |
| VII.18 | Select Financial Ratios of Payments Banks (End-March 2017) |
| VII.19 | Ownership Pattern of AIFIs (End-March 2017) |
| VII.20 | Financial Assistance Sanctioned and Disbursed by AIFIs |
| VII.21 | AIFIs’ Balance Sheet |
| VII.22 | Resources Raised by AIFIs from the Money Market (End-March) |
| VII.23 | Pattern of AIFIs’ Sources and Deployment of Funds |
| VII.24 | Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs |
| VII.25 | Financial Performance of Select AIFIs |
| VII.26 | AIFIs’ Financial Ratios |
| VII.27 | AIFIs’ Select Financial Parameters |
| VII.28 | AIFIs’ Net NPAs |
| VII.29 | AIFIs’ Assets Classification |
| VII.30 | Performance of PDs in the Primary Market |
| VII.31 | Performance of SPDs in the G-secs Secondary Market |
| VII.32 | Sources and Applications of SPDs’ Funds |
| VII.33 | Financial Performance of SPDs |
| VII.34 | SPDs’ Financial Indicators |
| VII.35 | Abridged Balance Sheet of NBFCs |
| VII.36 | Weighted Average Lending Rates of Various Categories of NBFCs-ND-SI |
| List of Charts |
| II.1 | The Macro Backdrop |
| II.2 | Credit Growth in Select Economies |
| II.3 | Credit to Households |
| II.4 | Return on Assets: Select Economies |
| II.5 | Capital to Risk Weighted Assets Ratio (CRAR): Select Economies |
| II.6 | Non-performing Loans Ratio: Select Economies |
| II.7 | Leverage Ratio: Select Economies |
| II.8 | Market-based Indicators of Bank Health |
| II.9 | Credit and Deposit Growth: USA |
| II.10 | Improving Asset Quality: US Banks |
| II.11 | Bank Credit and Deposits: UK |
| II.12 | Bank Credit in the UK: Availability and Quality |
| II.13 | Bank Assets and Lending in the Euro Area |
| II.14 | Drivers of Deposit Growth: Euro Area |
| II.15 | The Chinese Banking System - A Snapshot |
| II.16 | The Brazilian Banking Sector - A Snapshot |
| II.17 | The Russian Banking Sector - A Snapshot |
| II.18 | Distribution of the World’s Largest Banks: Capital and Assets |
| II.19 | Return and Asset Quality |
| II.20 | Bank Soundness |
| II.21 | Capital Adequacy versus Profitability versus Asset Quality |
| IV.1 | Capital Infusion by the Government in PSBs |
| V.1 | Growth in Select Banking Aggregates |
| V.2 | Bank Group-wise Growth in Advances |
| V.3 | Growth in CASA and Term-deposits, Bank Group-wise |
| V.4 | Trends in Outstanding C-D Ratio (End-March) |
| V.5 | Trends in Maturity Profile of Assets and Liabilities |
| V.6 | Growth in Balance Sheet and Off-balance Sheet Transactions |
| V.7 | Composition of Off-Balance Sheet Exposures of the Banking Sector - 2016-17 |
| V.8 | CRAR - Bank Group-wise |
| V.9 | Leverage Ratio - Bank Group-wise |
| V.10 | Liquidity Coverage Ratio |
| V.11 | Restructured Standard Advances as per cent of Gross Advances |
| V.12 | Share of Loan Accounts with Possible Stress in Total Funded Amount Outstanding in case of Large Borrowal Accounts |
| V.13 | Slippage Ratio |
| V.14 | Stressed Assets to Gross Advances in Select Industries (End-March) |
| V.15 | GNPA Ratio for Select Sectors |
| V.16 | Provision Coverage Ratio |
| V.17 | Stressed Asset Sale to SCs / RCs |
| V.18 | Growth in Credit to Major Sectors |
| V.19 | Growth in Credit to Priority Sectors |
| V.20 | Relative Performance of Bank Indices and Nifty 50 |
| V.21 | Bank Group-wise Share in Total Assets and Profits of Banking Sector (End-March) |
| V.22 | Public Shareholding in Select PSBs |
| V.23 | Instruments of Retail Payments |
| V.24 | Growth of ATMs |
| V.25 | Trends in Debit and Credit Cards |
| V.26 | Progress of Pre-paid Payment Instruments |
| V.27 | Population Group-wise Distribution of Complaints Received at BOs |
| V.28 | Share of Major Types of Complaints |
| V.29 | Number of Complaints per Bank Branch / Account - 2016-17 |
| V.30 | Banking Outlets in Villages (Percentage Share in Total) |
| V.31 | Bank Group-wise Share in PMJDY Accounts (As on December 6, 2017) |
| V.32 | Average Balance in PMJDY Accounts |
| V.33 | Banking Penetration across Regions |
| V.34 | Distribution of ATMs |
| VI.1 | Structure of Co-operative Credit Institutions in India (End-March 2017) |
| VI.2 | The Structure of Co-operatives by Asset Size |
| VI.3 | Fall in Number of UCBs since 2005 |
| VI.4 | Geographical Distribution of UCB Mergers (Cumulative basis as at end-March 2017) |
| VI.5 | Asset Growth of UCBs |
| VI.6 | Rise of the Tier II UCBs (End-March) |
| VI.7 | Changing Distribution of Deposits of UCBs (End-March) |
| VI.8 | Distribution of UCBs by Deposits versus Advances (End-March 2017) |
| VI.9 | Distribution of UCBs by Asset Size (End-March) |
| VI.10 | Asset Share of Scheduled UCBs (End-March) |
| VI.11 | Credit to Deposit Ratio (End-March) |
| VI.12 | Investment to Deposit Ratio (End-March) |
| VI.13 | SLR and Non-SLR Investments of UCBs: End-March (y-o-y percentage variation) |
| VI.14 | Distribution of Number and Business of UCBs - by Rating Categories |
| VI.15 | UCBs with CRAR above 9 Per cent |
| VI.16 | Growth in Net Worth and Assets |
| VI.17 | Non-performing Assets: UCBs versus SCBs |
| VI.18 | NPAs and PCR - UCBs |
| VI.19 | NPAs to Net Worth Ratio for UCBs (End-March) |
| VI.20 | Non-interest Income Share of UCBs |
| VI.21 | Share of Non-interest Income versus Capital Buffer - Scheduled UCBs |
| VI.22 | Profitability Indicators - UCBs |
| VI.23 | Profitability Indicators - SUCBs versus NSUCBs |
| VI.24 | Priority Sector Lending - UCBs (Share in Total Advances) |
| VI.25 | Advances to Weaker Sections by UCBs |
| VI.26 | Share of Short-term versus Long-term Co-operatives in Total Assets of Rural Co-operatives: End-March |
| VI.27 | Change in Number of Rural Co-operatives between March 2015 and March 2016 |
| VI.28 | Soundness Indicators of StCBs |
| VI.29 | Regional Trends in NPAs and Recovery |
| VI.30 | Regional Disparity in Financial Health of StCBs |
| VI.31 | Growth in Loans - StCBs versus DCCBs |
| VI.32 | Credit-Deposit Ratio |
| VI.33 | Soundness Indicators of DCCBs |
| VI.34 | NPAs and Recovery - StCBs versus DCCBs (End-March) |
| VI.35 | Share of Operating Expenses in Total Expenses |
| VI.36 | Regional Trends in NPAs and Recovery - DCCBs |
| VI.37 | Regional Disparity in Financial Health of DCCBs |
| VI.38 | Growth in Outstanding Credit of PACS |
| VI.39 | Resource Composition - Short-term Co-operatives |
| VI.40 | Member Share by Category |
| VI.41 | Borrower to Member Ratio by Category |
| VI.42 | Borrower to Member Ratio - Shortfall from 50 Per cent Access |
| VI.43 | Growth in Loans Disbursed by PACS |
| VI.44 | Percentage of PACS in Profit and Loss |
| VI.45 | Net Profit to Loans and Advances Ratio of the Short-term Credit Institutions |
| VI.46 | Net Profit of PACS by Region |
| VI.47 | Percentage of PACS in Profit and Loss - Regional Level (End-March 2016) |
| VI.48 | DCCB Licensing Waterfall |
| VI.49 | Capital-to-Assets Ratio |
| VI.50 | CRAR: StCBs and DCCBs |
| VI.51 | Balance Sheet Insights - SCARDBs |
| VI.52 | NPAs and Recovery - SCARDBs |
| VI.53 | NPA Ratios: A Comparison |
| VI.54 | Region-wise Position of Financial Health of SCARDBs |
| VI.55 | Profitability Indicators of PCARDBs |
| VI.56 | Financial Health of PCARDBs vis-a-vis SCARDBs |
| VI.57 | StCBs versus SCARDBs - By RoA |
| VII.1 | Non-Banking Financial Institutions Regulated by the Reserve Bank of India |
| VII.2 | Number of Registrations and Cancellations of CoR of NBFCs |
| VII.3 | Exposure to Sensitive Sectors as a per cent of Total Assets (End-March) |
| VII.4 | Profitability Ratios of NBFCs (End-March) |
| VII.5 | Asset Quality of NBFCs (End-March) |
| VII.6 | Capital Adequacy of NBFC Sector (End-March) |
| VII.7A | Gross NPAs as a percentage of Gross Advances of NBFCs-ND-SI (End-March) |
| VII.7B | Net NPAs of NBFCs-ND-SI (End-March) |
| VII.8 | Category-wise CRAR of NBFCs-ND-SI (End-March) |
| VII.9A | Public Deposits of NBFCs-D (End-March) |
| VII.9B | Ratio of Public Deposits of NBFCs-D to SCBs' Aggregate Deposits (End-March) |
| VII.10 | Select Financial Parameters of NBFCs-D (End-March) |
| VII.11 | Gross NPA Ratio of NBFCs-D (End-March) |
| VII.12 | Gross and Net NPA Ratio of NBFCs-D (End-March) |
| VII.13 | Capital to Risk (Weighted) Assets Ratio of NBFCs-D (End-March) |
| VII.14 | Balance Sheet of Payments Banks (End-March 2017) |
| VII.15 | Long-term PLR Structure of Select AIFIs |
| VII.16 | Average RoA of AIFIs |
| VII.17 | Capital to Risk (Weighted) Assets Ratio of AIFIs |
| VII.18 | Average Rate of Underwriting Commission of PDs |
| VII.19 | Capital and Risk Weighted Asset Position of SPDs |
| VII.20 | Growth Rates of Credit of NBFCs and Banks |
| VII.21 | Sectoral Credit Deployment by NBFCs-ND-SI |
| VII.22 | GNPA Ratio of NBFCs-ND-SI |
| List of Appendix Tables |
| V.1 | Indian Banking Sector at a Glance |
| V.2 | Off-Balance Sheet Exposure of Scheduled Commercial Banks in India |
| V.3 | Kisan Credit Card Scheme: State-wise Progress (As at end-March 2017) |
| V.4 | Bank Group-wise Lending to the Sensitive Sectors (As at end-March) |
| V.5 | Shareholding Pattern of Domestic Scheduled Commercial Banks (As at end-March 2017) |
| V.6 | Branches and ATMs of Scheduled Commercial Banks (As at end-March 2017) |
| V.7 | Statement of Complaints Received at Banking Ombudsman Office (For the Period 2016-17) |
| VI.1 | Select Financial Parameters of Scheduled UCBs (As at end-March 2017) |
| VI.2 | Major Indicators of Financial Performance of Scheduled UCBs |
| VI.3 | Salient Indicators of Financial Health of State Co-operative Banks - Region and State-wise (As at end-March) |
| VI.4 | Salient Indicators of Financial Health of District Central Co-operative Banks - Region and State-wise (As at end-March) |
| VI.5 | Select Indicators of Primary Agricultural Credit Societies - State-wise (As at end-March 2016) |
| VI.6 | Major Financial Indicators of State Co-operative Agriculture and Rural Development Banks – State-wise (As at end-March) |
| VI.7 | Major Financial Indicators of Primary Co-operative Agriculture and Rural Development Banks – State-wise (As at end-March) |
| VII.1 | Credit to Various Sectors by NBFCs (End-March) |
| VII.2 | Financial Assistance Sanctioned and Disbursed by Financial Institutions |
| VII.3 | Financial Performance of Primary Dealers |
| VII.4 | Select Financial Indicators of Primary Dealers |