| 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 | Overall Assessment |
| Chapter III: Policy Environment |
| 1 | Introduction |
| 2 | The Macroeconomic Policy Setting |
| 3 | Regulatory and Supervisory Policies |
| 4 | Green Initiatives |
| 5 | Technological Innovations |
| 6 | Financial Markets and Foreign Exchange Policies |
| 7 | Credit Delivery and Financial Inclusion |
| 8 | Consumer Protection |
| 9 | Payments and Settlement Systems |
| 10 | Overall Assessment |
| Chapter IV: Operations and Performance of Commercial Banks |
| 1 | Introduction |
| 2 | Balance Sheet Analysis of SCBs |
| 3 | Financial Performance |
| 4 | Soundness Indicators |
| 5 | Sectoral Bank Credit and NPAs |
| 6 | Ownership Patterns 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 (NBFCs) |
| 3 | All India Financial Institutions |
| 4 | Primary Dealers |
| 5 | Overall Assessment |
| List of Boxes |
| II.1 | Determinants of Green Bond Issuance: A Cross-Country Analysis |
| II.2 | Adoption of Artificial Intelligence in Indian Banks |
| III.1 | Review of Regulatory Framework for IDF-NBFCs |
| III.2 | Review of Customer Service Standards |
| IV.1 | COVID-19 Scarring Impact on Borrowers |
| IV.2 | Is Financial Inclusion Across Indian States Converging? |
| V.1 | Deceleration in Co-operative Bank Credit |
| VI.1 | Rising Interconnectedness of NBFCs with Banks in India |
| List of Tables |
II.1 | Asset Quality | | II.2 | Regulatory Capital to Risk-Weighted Assets Ratio |
| III.1 | Limits on Shareholding |
| III.2 | Eligibility Criteria for Offering Internet Banking Facility by RRBs |
| III.3 | Priority Sector Lending Targets and Sub-targets for UCBs |
| III.4 | Interest Subvention Scheme for Women SHGs |
| III.5 | Modified Interest Subvention Scheme for Short Term KCC Loans |
| 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 Return on Funds - Bank Group-wise |
| IV.6 | Component-wise Capital Adequacy of SCBs |
| IV.7 | Resources Raised by Banks |
| IV.8 | Leverage Ratio and Liquidity Coverage Ratio |
| IV.9 | Net Stable Funding Ratio |
| IV.10 | Movements in Non-Performing Assets by Bank Group |
| IV.11 | Classification of Loan Assets by Bank Group |
| IV.12 | NPAs of SCBs Recovered through Various Channels |
| IV.13 | Details of Financial Assets Securitised by ARCs |
| IV.14 | Frauds in Various Banking Operations Based on the Date of Reporting |
| IV.15 | Frauds in Various Banking Operations Based on the Date of Occurrence |
| IV.16 | Enforcement Actions |
| IV.17 | Sectoral Deployment of Gross Bank Credit by SCBs |
| IV.18 | Credit Flow to the MSME Sector by SCBs |
| IV.19 | Priority Sector Lending by Banks |
| IV.20 | Trading Volume of PSLCs |
| IV.21 | Weighted Average Premium on Various Categories of PSLCs |
| IV.22 | Sector-wise GNPAs of Banks |
| IV.23 | Independent Directors on the Board and its Committees |
| IV.24 | Managing Director & Chief Executive Officer’s Remuneration vis-à-vis Average Employee Pay |
| IV.25 | Operations of Foreign Banks in India |
| IV.26 | Payment Systems Indicators |
| IV.27 | Number of ATMs |
| IV.28 | Geographical Distribution of ATMs: Bank Group-wise |
| IV.29 | Nature of Complaints at RBIOs |
| IV.30 | Bank Group-wise Insured Deposits |
| IV.31 | Progress in Financial Inclusion Plan |
| IV.32 | Tier-wise Break-up of Newly Opened Bank Branches by SCBs |
| IV.33 | Progress in MSME Financing through TReDS |
| IV.34 | Consolidated Balance Sheet of Regional Rural Banks |
| IV.35 | Financial Performance of Regional Rural Banks |
| IV.36 | Purpose-wise Outstanding Advances by RRBs |
| IV.37 | Profile of Local Area Banks |
| IV.38 | Financial Performance of Local Area Banks |
| IV.39 | Consolidated Balance Sheet of Small Finance Banks |
| IV.40 | Purpose-wise Outstanding Advances by Small Finance Banks |
| IV.41 | Financial Performance of Small Finance Banks |
| IV.42 | Consolidated Balance Sheet of Payments Banks |
| IV.43 | Financial Performance of Payments Banks |
| IV.44 | Select Financial Ratios of 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, Advances and Assets |
| V.5 | Investments by UCBs |
| V.6 | Financial Performance of Scheduled and Non-scheduled UCBs |
| V.7 | Select Profitability Indicators of UCBs |
| V.8 | CRAR-wise Distribution of UCBs |
| V.9 | Component-wise Capital Adequacy of UCBs |
| V.10 | Non-Performing Assets of UCBs |
| V.11 | Composition of Credit to Priority Sectors by UCBs |
| V.12 | A Profile of Rural Credit 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 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 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 | Financial Parameters of HFCs |
| VI.11 | Financial Assistance Sanctioned & Disbursed by AIFIs |
| VI.12 | AIFIs’ Balance Sheet |
| VI.13 | Resources Mobilised by AIFIs in 2022-23 |
| VI.14 | Resources Raised by AIFIs from the Money Market |
| VI.15 | 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 Application 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 | Provision Coverage Ratio |
| II.5 | Return on Assets |
| II.6 | Leverage Ratio |
| II.7 | Market-based Indicators of Bank Health |
| II.8 | Distribution of Top 100 Banks by Tier I Capital |
| II.9 | Asset Quality of Top 100 Banks |
| II.10 | Soundness of the Top 100 Banks |
| III.1 | Women SHGs under DAY-NRLM |
| III.2 | RBI-Digital Payments Index |
| IV.1 | Select Aggregates of SCBs |
| IV.2 | Deposit Growth |
| IV.3 | Credit Growth and Incremental Credit |
| IV.4 | Credit-Deposit and Investment-Deposit Ratios |
| IV.5 | Maturity Brackets-wise Assets and Liabilities Gap |
| IV.6 | International Assets and Liabilities of Indian Banks |
| IV.7 | Consolidated International claims of Indian Banks |
| IV.8 | Off-Balance Sheet Liabilities of Banks |
| IV.9 | Profitability Ratios |
| IV.10 | Net Interest Income and NIM |
| IV.11 | Profitability and Provisions |
| IV.12 | Bank Group-wise CRAR and CET1 Ratio |
| IV.13 | Reduction in GNPAs |
| IV.14 | Overall Stress vis-à-vis Stress in Large Borrowal Accounts |
| IV.15 | Restructuring |
| IV.16 | Stressed Asset Sales to ARCs |
| IV.17 | Bank Group-wise Frauds |
| IV.18 | Sectoral GNPA Ratios |
| IV.19 | GNPA Ratio in Various Industries |
| IV.20 | Credit Growth of Micro, Small, Medium and Large Industries |
| IV.21 | GNPA Ratio of Micro, Small, Medium and Large Industries |
| IV.22 | Buyers and Sellers in PSLC Market |
| IV.23 | Exposure to Sensitive Sectors |
| IV.24 | Share of Unsecured Advances in Total Advances |
| IV.25 | Distribution of Retail Borrowers by Age |
| IV.26 | Ownership Pattern of PVBs |
| IV.27 | Capital Infusion in PSBs |
| IV.28 | Overseas Branches of Indian Banks |
| IV.29 | Components of Payment Systems |
| IV.30 | Entity Type-wise Complaints Received at ORBIOs |
| IV.31 | Distribution of Complaints |
| IV.32 | Insured Deposits |
| IV.33 | Progress of Financial Inclusion in G20 countries |
| IV.34 | Demographic Progress in Financial Inclusion |
| IV.35 | State-wise Distribution of Bank Branches and Digital Banking Units |
| IV.36 | Distribution of Newly Opened Bank Branches of SCBs |
| IV.37 | Regional Penetration of Banks |
| IV.38 | Concentration of Small Finance Banks |
| V.1 | Structure of Credit Co-operatives |
| V.2 | Distribution of Credit Co-operatives by Asset Size |
| V.3 | Number of UCBs |
| V.4 | Consolidation Drive in UCBs |
| V.5 | Asset Growth |
| V.6 | Deposits and Advances |
| V.7 | Credit-Deposit Ratio: UCBs versus SCBs |
| V.8 | Investments of UCBs |
| V.9 | SUCBs' CRAR Distribution |
| V.10 | Asset Quality |
| V.11 | Priority Sector Lending |
| V.12 | Share of Rural Credit Co-operatives in Total Co-operative Sector |
| V.13 | Long-term versus Short-term RCCs |
| V.14 | Loss-Making Co-operatives |
| V.15 | Short-term Rural Co-operatives: Balance Sheet and Soundness Indicators |
| VI.1 | Structure of NBFIs under the Reserve Bank’s Regulation |
| VI.2 | NBFCs' Credit vis-à-vis SCBs' Credit and GDP |
| VI.3 | Scale-Based Regulation for NBFCs |
| VI.4 | Registrations and Cancellations of Certificate of Registrations of NBFCs |
| VI.5 | Nature of NBFCs’ Loans and Advances, by Category |
| VI.6 | NBFCs’ Loans and Advances |
| VI.7 | Total Assets of NBFCs, by Classification |
| VI.8 | Distribution of NBFC Credit |
| VI.9 | NBFCs’ Credit to MSME Sector |
| VI.10 | Vehicle Loans- NBFCs vis-à-vis SCBs |
| VI.11 | Advances against Gold by NBFCs and SCBs |
| VI.12 | Sectoral Distribution of Credit, by Classification |
| VI.13 | Micro-credit Outstanding across Regulated Entities |
| VI.14 | Repayment of NBFCs’ Borrowings |
| VI.15 | NCD Private Placements of Private NBFCs |
| VI.16 | Spread of NBFC Bonds over G-Sec of Corresponding Maturity |
| VI.17 | Public Deposits with NBFCs-D |
| VI.18 | Loan Sales and Securitisation by NBFCs-ND-SI |
| VI.19 | Structural Liquidity Statement of NBFCs |
| VI.20 | Profitability Ratios of NBFCs |
| VI.21 | Asset Quality of NBFCs |
| VI.22 | Classification of NBFCs' Assets |
| VI.23 | Delinquency in Performing Assets |
| VI.24 | NPA Ratios, by Category |
| VI.25 | Sectoral GNPA Ratios of NBFC Sector |
| VI.26 | Stress in Large Borrowal Accounts |
| VI.27 | CRAR of NBFCs |
| VI.28 | Exposure to Sensitive Sectors |
| VI.29 | Credit to Housing Sector by HFCs and SCBs |
| VI.30 | Resources Mobilised by HFCs |
| VI.31 | Public Deposits with HFCs |
| VI.32 | Distribution of HFCs’ Public Deposits |
| VI.33 | HFCs' GNPA and NNPA Ratios |
| VI.34 | Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs |
| VI.35 | Long-term PLR Structure of Select AIFIs |
| VI.36 | Select Financial Parameters of AIFIs |
| VI.37 | Asset Classification and NNPA Ratio of AIFIs |
| VI.38 | Average Rate of Underwriting Commission of PDs |
| VI.39 | Capital and Risk Weighted Asset Position of SPDs |
| List of Appendix Tables |
| IV.1 | Indian Banking Sector at a Glance |
| IV.2 | International Liabilities and Assets 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 on Countries other than India |
| IV.5 | Consolidated International Claims of Banks: Residual Maturity and Sector |
| IV.6 | Off-Balance Sheet Exposure of Scheduled Commercial Banks in India |
| IV.7 | Frauds in Various Banking Operations Based on Date of Reporting |
| IV.8 | Kisan Credit Card Scheme: State-wise Progress |
| IV.9 | Bank Group-wise Lending to the Sensitive Sectors |
| IV.10 | Shareholding Pattern of Domestic Scheduled Commercial Banks |
| IV.11 | Overseas Operations of Indian Banks |
| IV.12 | Branches and ATMs of Scheduled Commercial Banks |
| IV.13 | Statement of complaints received at RBI Ombudsman Office |
| IV.14 | Progress of Microfinance Programmes |
| IV.15 | Major Financial Indicators of Regional Rural Banks – State-wise |
| IV.16 | RRBs - PSL Target and Achievement |
| 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 | Details of Members and Borrowers of Primary Agricultural Credit Societies |
| V.6 | Primary Agricultural Credit Societies |
| V.7 | Select Indicators of Primary Agricultural Credit Societies-State-wise |
| 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 |