| Sr. No. | Particulars |
| Chapter I: Perspectives |
| Chapter II: Global Banking Developments |
| 1 | Introduction |
| 2 | Global Macroeconomic Conditions |
| 3 | Global Banking Policy Developments |
| 4 | Performance of the Global Banking Sector |
| 5 | World’s Largest Banks |
| 6 | Conclusion |
| Chapter III: Policy Environment |
| 1 | Introduction |
| 2 | Monetary Policy and Liquidity Management |
| 3 | Regulatory Policies |
| 4 | Supervisory Policies |
| 5 | Technological Innovations |
| 6 | Financial Markets and Foreign Exchange |
| 7 | Credit Delivery and Financial Inclusion |
| 8 | Consumer Protection and Retail Participation |
| 9 | Payments and Settlement Systems |
| 10 | 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 | Ownership Pattern in Commercial Banks |
| 7 | Corporate Governance |
| 8 | Foreign Banks’ Operations in India and Overseas Operations of Indian Banks |
| 9 | Payment Systems 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 | 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 | Impact of Financial Conditions on Banking Sector Risk |
| III.1 | Inflation Volatility and Credit Growth |
| III.2 | Survey on Climate Risk and Sustainable Finance |
| III.3 | Review of Regulatory Framework for ARCs |
| IV.1 | Impact of Bank Profitability on Financial Stability |
| IV.2 | Impact of Monetary Policy on Bank Profitability |
| IV.3 | Bank Herding and Systemic Risk |
| V.1 | Determinants of Profitability of Scheduled Urban Co-operative Banks |
| VI.1 | New Regulatory Framework for NBFCs |
| List of Tables |
| III.1 | Large Exposure Framework for NBFC-Upper Layer |
| III.2 | Provisioning for Standard Assets by NBFCs-UL |
| IV.1 | Consolidated Balance Sheet of Scheduled Commercial Banks |
| IV.2 | Investments of SCBs |
| IV.3 | Bank Group-wise Maturity Profile of Select Liabilities /Assets |
| IV.4 | Trends in Income and Expenditure of Scheduled Commercial Banks |
| IV.5 | Cost of Funds and Returns on Funds - Bank Group-wise |
| IV.6 | Component-wise Capital Adequacy of SCBs |
| IV.7 | Resources Raised by Banks through Private Placements |
| IV.8 | Net Stable Funding Ratio |
| IV.9 | Movement in Non-Performing Assets |
| IV.10 | Classification of Loan Assets by Bank Group |
| IV.11 | NPAs of SCBs Recovered through Various Channels |
| IV.12 | Details of Financial Assets Securitised by ARCs |
| IV.13 | Frauds in Various Banking Operations Based on the Date of Reporting |
| IV.14 | Frauds in Various Banking Operations Based on the Date of Occurrence |
| IV.15 | Enforcement Actions |
| IV.16 | Sectoral Deployment of Gross Bank Credit by SCBs |
| IV.17 | Credit Flow to the MSME sector by SCBs |
| IV.18 | Priority Sector Lending by Banks |
| IV.19 | Weighted Average Premium on Various Categories of PSLCs |
| IV.20 | Sector-wise GNPAs of Banks |
| IV.21 | Independent Directors on various committees of the board |
| IV.22 | Operations of Foreign Banks in India |
| IV.23 | Payment Systems Indicators |
| IV.24 | Number of ATMs |
| IV.25 | Geographical Distribution of ATMs: Bank Group-wise |
| IV.26 | Nature of Complaints at RBIOs |
| IV.27 | Bank Group-wise Insured Deposits |
| IV.28 | Progress in Financial Inclusion Plan |
| IV.29 | Tier-wise Break-up of Newly Opened Bank Branches by SCBs |
| IV.30 | Progress in MSME Financing through TReDS |
| IV.31 | Consolidated Balance Sheet of Regional Rural Banks |
| IV.32 | Purpose-wise Outstanding Advances by RRBs |
| IV.33 | Financial Performance of Regional Rural Banks |
| IV.34 | PSLC Transactions of RRBs |
| IV.35 | Profile of Local Area Banks |
| IV.36 | Financial Performance of Local Area Banks |
| IV.37 | Consolidated Balance Sheet of Small Finance Banks |
| IV.38 | Purpose-wise Outstanding Advances by Small Finance Banks |
| IV.39 | Financial Performance of Small Finance Banks |
| IV.40 | Consolidated Balance Sheet of Payments Banks |
| IV.41 | Financial Performance of Payments Banks |
| IV.42 | Select Financial Ratios of Payments Banks |
| IV.43 | Remittances through Payments Banks |
| V.1 | Share in Credit Flow to Agriculture |
| V.2 | Tier-wise Distribution of Urban Co-operative Banks |
| V.3 | Balance Sheet of Urban Co-operative Banks |
| V.4 | Distribution of UCBs by size of Deposits and Advances |
| V.5 | Investments by Urban Co-operative Banks |
| V.6 | Rating-wise Distribution of UCBs |
| V.7 | CRAR-wise Distribution of UCBs |
| V.8 | Component-wise Capital Adequacy of UCBs |
| V.9 | Non-performing Assets of UCBs |
| V.10 | Financial Performance of Scheduled and Non-scheduled Urban Co-operative-Banks |
| V.11 | Select Profitability Indicators of UCBs |
| V.12 | Composition of Credit to Priority Sectors by UCBs |
| V.13 | A Profile of Rural Co-operatives |
| V.14 | Liabilities and Assets of State Co-operative Banks |
| V.15 | Select Balance Sheet Indicators of Scheduled State Co-operative Banks |
| V.16 | Financial Performance of State Co-operative Banks |
| V.17 | Soundness Indicators of State Co-operative Banks |
| V.18 | Liabilities and Assets of District Central Co-operative Banks |
| V.19 | Financial Performance of District Central Co-operative Banks |
| V.20 | Soundness Indicators of District Central Co-operative Banks |
| VI.1 | Classification of NBFCs by Activity under the New Regulatory Framework |
| 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 | Ownership Pattern of HFCs |
| VI.9 | Consolidated Balance Sheet of HFCs |
| VI.10 | Financials Parameters of HFCs |
| VI.11 | Financial Assistance Sanctioned and Disbursed by AIFIs |
| VI.12 | AIFIs’ Balance Sheet |
| VI.13 | Resources Mobilised by AIFIs in 2021-22 |
| VI.14 | Resources Raised by AIFIs from the Money Market |
| VI.15 | Pattern of AIFIs’ Sources and Deployment of Funds |
| VI.16 | Financial Performance of AIFIs |
| VI.17 | AIFIs’ Select Financial Parameters |
| VI.18 | Performance of PDs in the Primary Market |
| VI.19 | Performance of SPDs in the G-secs Secondary Market |
| VI.20 | Sources and Applications of SPDs’ Funds |
| VI.21 | Financial Performance of SPDs |
| VI.22 | 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 | Provision Coverage Ratio |
| II.6 | Return on Assets |
| II.7 | Regulatory Capital to Risk-Weighted Asset |
| II.8 | Leverage Ratio |
| II.9 | Market-based Indicators of Bank Health |
| II.10 | Distribution of Top 100 Banks by Tier-I Capital |
| II.11 | Asset Quality of the Top 100 banks |
| II.12 | Soundness of the Top 100 Banks |
| III.1 | Major Monetary Policy Rates |
| IV.1 | Select Aggregates of SCBs |
| IV.2 | Balance Sheet Composition |
| IV.3 | Savings and Deposits |
| IV.4 | Growth in Borrowings |
| IV.5 | Growth in Advances |
| IV.6 | Incremental Credit- Population Group-wise |
| IV.7 | Credit-Deposit and Investment-Deposit Ratios |
| IV.8 | Gap between Proportion of Assets and Liabilities in Various Maturity Brackets |
| IV.9 | International Liabilities and Assets of Indian banks |
| IV.10 | Off-Balance Sheet Liabilities of Banks |
| IV.11 | Profitability Ratios |
| IV.12 | G-Sec Yield and Non-interest income of SCBs |
| IV.13 | Expenditure of SCBs |
| IV.14 | Impact of Provisioning on Profitability |
| IV.15 | RWAs and Assets Growth of SCBs |
| IV.16 | Capital Adequacy |
| IV.17 | Leverage and Liquidity |
| IV.18 | Asset Quality of Banks |
| IV.19 | Reduction in GNPAs |
| IV.20 | Overall Stress vis-à-vis Stress in Large Borrowal Accounts |
| IV.21 | Restructuring |
| IV.22 | Stressed Asset sales to ARCs |
| IV.23 | Bank Group-wise Frauds |
| IV.24 | Retail Lending |
| IV.25 | Housing Credit |
| IV.26 | Education Loans |
| IV.27 | MSMEs versus Large Industries |
| IV.28 | Trading Volumes of PSLCs |
| IV.29 | Exposure to Sensitive Sectors |
| IV.30 | Share of Unsecured Advances |
| IV.31 | Bank Group-wise Ownership pattern |
| IV.32 | Government’s Shareholding in PSBs |
| IV.33 | Share of Variable Pay in Total Remuneration |
| IV.34 | CEO Pay vis-à-vis Average Employee Pay |
| IV.35 | Components of Payment Systems |
| IV.36 | RBI – Digital Payments Index |
| IV.37 | Distribution of Complaints |
| IV.38 | Progress in Financial Inclusion in G-20 countries |
| IV.39 | Financial Inclusion Indicators |
| IV.40 | State-wise distribution of FBCs |
| IV.41 | Bank Group-wise Distribution of FBCs |
| IV.42 | Number of PMJDY Accounts |
| IV.43 | PMJDY Accounts: Distribution and Average Balance |
| IV.44 | Distribution of Newly Opened Bank Branches of SCBs |
| IV.45 | SHGs - Average Loan Disbursed, Average Loan Outstanding and Average Savings of SHGs |
| IV.46 | Region-wise Average Population Per Bank Branch |
| IV.47 | Contribution of PSLCs to Miscellaneous Income |
| IV.48 | Payment System Transactions of PBs |
| 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 | Asset Growth |
| V.6 | Deposits and Advances: UCBs |
| V.7 | Credit-Deposit Ratio: UCBs versus SCBs |
| V.8 | Distribution of UCBs by Asset Size |
| V.9 | Distribution of UCBs’ Deposits and Advances |
| V.10 | Investments of UCBs |
| V.11 | Distribution of Number and Business of UCBs-by Rating Categories |
| V.12 | Share of UCBs with CRAR less than 9 per cent |
| V.13 | Stress in Large Borrowal Accounts |
| V.14 | Profitability Indicators- SUCBs versus NSUCBs |
| V.15 | Priority Sector Lending |
| V.16 | Long-term versus Short-term Rural Co-operatives |
| V.17 | Comparison of Short-term Rural Co-operatives (Balance sheet and Financial Performance) |
| V.18 | Asset Quality of Shot-term Co-operatives: A comparison |
| V.19 | Liabilities and Assets of Long-Term Rural Co-operatives: A Comparison |
| VI.1 | Structure of NBFIs under the Reserve Bank’s Regulation |
| VI.2 | NBFCs’ Credit vis-à-vis SCB’s Credit and GDP |
| VI.3 | Registrations and Cancellations of Certificate of Registrations of NBFCs |
| VI.4 | Classification of NBFCs’ Loans and Advances |
| VI.5 | Classification-wise NBFCs-ND-SI: Select Indicators |
| VI.6 | Distribution of NBFC Credit |
| VI.7 | NBFCs’ Credit to MSME Sector |
| VI.8 | Vehicle Loans- NBFCs vis-a-vis SCBs |
| VI.9 | Distribution of Advances against Gold: NBFCs and SCBs |
| VI.10 | Classification-wise Sectoral Distribution of Credit |
| VI.11 | Micro-credit Loan Outstanding across Regulated Entities |
| VI.12 | Repayment of NBFCs’ Borrowings |
| VI.13 | NCD Private Placements of Private NBFCs |
| VI.14 | Yield of NBFC Bonds: Spread over G-Sec of Corresponding Maturity |
| VI.15 | Bank Lending to NBFCs, Group-wise |
| VI.16 | Instruments of Bank Lending to NBFCs |
| VI.17 | Public Deposits with NBFCs- D |
| VI.18 | Distribution of Deposits with NBFCs-D |
| VI.19 | Loan Sales and Securitisation of NBFCs-ND-SI |
| VI.20 | Structural Liquidity Statement of NBFCs |
| VI.21 | Profitability Ratios of NBFCs |
| VI.22 | Profitability Ratios of NBFCs-ND-SI |
| VI.23 | Asset Quality of NBFCs |
| VI.24 | Provision Coverage Ratio of NBFCs |
| VI.25 | Classification of NBFCs' Assets |
| VI.26 | Delinquency in Performing Assets |
| VI.27 | NPAs of NBFCs-ND-SI |
| VI.28 | Sectoral Distribution of NPAs of NBFCs |
| VI.29 | Gross and Net NPA Ratios of NBFCs- D |
| VI.30 | Stress in Large Borrowal Accounts |
| VI.31 | Capital Position of NBFC Sector |
| VI.32 | CRAR of NBFCs by Category |
| VI.33 | Exposure to Sensitive Sectors |
| VI.34 | Credit to Housing sector by HFCs and SCBs |
| VI.35 | Resources mobilised by HFCs |
| VI.36 | Public Deposits with HFCs |
| VI.37 | Distribution of Public Deposits with HFCs |
| VI.38 | HFCs' GNPA and NNPA Ratios |
| VI.39 | Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs |
| VI.40 | Long-term PLR Structure of Select AIFIs |
| VI.41 | AIFIs’ Financial Ratios |
| VI.42 | Select Financial Parameters of AIFIs |
| VI.43 | AIFIs’ NNPA Ratios |
| VI.44 | AIFIs’ Assets Classification |
| VI.45 | Average Rate of Underwriting Commission of PDs |
| VI.46 | Capital and Risk Weighted Asset Position of SPDs |
| List of Appendix Tables |
| IV.1 | Indian Banking Sector at a Glance |
| IV.2 | International Liabilities of Banks in India – By Type of Instruments |
| IV.3 | International Assets of Banks in India - By Type of Instruments |
| IV.4 | Consolidated International Claims of Banks: Residual Maturity and Sector |
| IV.5 | Consolidated International Claims of Banks on Countries other than India |
| IV.6 | Off-Balance Sheet Exposure of Scheduled Commercial Banks in India |
| IV.7 | Kisan Credit Card Scheme: State-wise Progress |
| IV.8 | Bank Group-wise Lending to the Sensitive Sectors |
| IV.9 | Shareholding Pattern of Domestic Scheduled Commercial Banks |
| IV.10 | Overseas Operations of Indian Banks |
| IV.11 | Branches and ATMs of Scheduled Commercial Banks |
| IV.12 | Statement of complaints received at RBI Ombudsman Office |
| IV.13 | Progress of Microfinance Programmes |
| IV.14 | Major Financial Indicators of Regional Rural Banks- State Wise |
| IV.15 | RRBs- PSL Target and Achievement-2021-22 |
| IV.16 | Frauds in Various Banking Operations Based on Date of Reporting |
| V.1 | Select Financial Parameters: Scheduled UCBs |
| V.2 | Indicators of Financial Performance: Scheduled UCBs |
| V.3 | Salient Indicators of Financial Health of State Co-operative Banks |
| V.4 | Salient 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 | 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 |
| 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-D |
| 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 |