Indian Banking Sector

Table of Contents

Executive Summary

1. History of Banking Sector in India

• 1.1 History of SBI and Associates
• 1.2 History of Other (Nationalised, Private and Foreign) Banks
  • 1.2.1 Pre Independence (1840 to 1947)
  • 1.2.2 Post Independence to Nationalisation (1947 to 1969)
  • 1.2.3 Nationalisation to Liberalisation (1969 to 1991)
  • 1.2.4 Liberalisation to current date (1991 to 2008)
• 1.3 Various Banking Groups
• 1.4 Regional Distribution of Branches

2. Role of Reserve Bank of India

• 2.1 RBI monetary and Credit Policy
• 2.2 Development in FY09 and role of RBI
• 2.3 Liquidity Adjustment Facility (LAF)
• 2.4 Cash Reserve Ratio (CRR)

3. Deposits

• 3.1 Sources of Funds for Banks
• 3.2 Distribution of Deposits of Banks
  • 3.2.1 Distribution of Deposits by population
  • 3.2.2 Distribution of Deposits by Ownership
• 3.3 Deposits mobilisation from household Sector
• 3.4 Type of Deposits
  • 3.4.1 CASA Deposits
  • 3.4.2 Term Deposits
• 3.5 Bank Group-wise Deposits Performance
  • 3.5.1 SBI and Associates
  • 3.5.2 Nationalised Banks
  • 3.5.3 Private Sector Banks
  • 3.5.4 Foreign Banks Advances
• 4.1 Total Advances and growth for SCBs
• 4.2 Credit offtake in FY09
• 4.3 Sectoral Bank Credit
• 4.4 Retail loans
• 4.5 Lending to Sensitive Sector
• 4.6 Priority Sector lending
  • 4.6.1 Priority Sector Lending for PSU and Private Banks
  • 4.6.2 Priority Sector Lending for Foreign Banks
• 4.7 Bank Group-wise Performance
  • 4.7.1 SBI and Associates
  • 4.7.2 Nationalised Banks
  • 4.7.3 Private Sector Banks
  • 4.7.4 Foreign Banks
• 4.8 Bank group-wise deposit and advance maturity matching

5. Investments

• 5.1 SLR Investments
• 5.2 Non SLR Investments
• 5.3 Bank group-wise Credit and Investment to deposit ratios

6. Total Income

• 6.1 Interest on Advances and Investments
• 6.2 Other Income
  • 6.2.1 Core Fee Income
  • 6.2.2 Non-fee Income

7. Total Expenses

• 7.1 Operating Expenses
  • 7.1.1 Staff Cost
  • 7.1.2 Non-staff Cost

8. Spread and Net Interest Margin

• 8.1 Spread for SCBs
• 8.2 Bank Group-Wise Performance

9. Profitability

• 9.1 Profitability for SCBs
• 9.2 Bank Group-Wise Performance
  • 9.2.1 SBI and Associates
  • 9.2.2 Nationalised Banks
  • 9.2.3 Private Sector Banks
  • 9.2.4 Foreign Banks

10. Non-Performing Assets (NPAs)

• 10.1 Trend in NPAs for SCBs
• 10.2 NPAs, Provisions and write back for banking groups
• 10.3 Sector-wise NPA Break-up
• 10.4 Recovery of NPAs
• 10.5 Bank Group-wise Performance
  • 10.5.1 PSU Banks
  • 10.5.2 Old Private Sector Banks
  • 10.5.3 New Private Sector Banks
  • 10.5.4 Foreign Banks

11. Capital Adequacy Ratio (CAR)

12. Consolidation: Is it imminent for the Indian banking sector??

13. FY09 Result Analysis

14. Outlook on Indian Banking Industry

• 14.1 Advances
• 14.2 Deposits
• 14.3 Investments
• 14.4 Core Fee Income
• 14.5 Net Interest Margins (NIMs)
• 14.6 Non-Performing Assets (NPAs) and Provisioning
  • 14.6.1 Restructuring of Assets
• 14.7 Profitability

15. Statistics on Banks from FY04 to FY08

• 15.1 No. of Branches of banks
• 15.2 Total Business for banks
• 15.3 Net Profit for the banks
• 15.4 Net interest Margins for the banks
• 15.5 Return on Asset for the banks
• 15.6 Return on Equity for the banks
• 15.7 CASA for the banks
• 15.8 Core spread for the banks
• 15.9 Capital Adequacy Ratio for the banks
• 15.10 Tier 1 Capital Adequacy Ratio for the banks
• 15.11 Ratio of Gross NPAs to Gross Advances for the banks
• 15.12 Ratio of Net NPAs to Net Advances for the banks
• 15.13 Ratio of Unsecured advances to total advances for the banks
• 15.14 3 Year (FY05 to FY08) CAGR in total advances
• 15.15 3 Year (FY05 to FY08) CAGR in total deposits
• 15.16 3 Year (FY05 to FY08) CAGR in Net profit
• 15.17 Business per Branch for the banks
• 15.18 Profit per Branch for the banks
• 15.19 Profit per employee for the banks

16. Players

• 16.1 Axis Bank
• 16.2 Bank of Baroda
• 16.3 Bank of india
• 16.4 Canara Bank
• 16.5 Central Bank of india
• 16.6 HDFC Bank
• 16.7 ICICI Bank
• 16.8 IDBI Bank
• 16.9 State bank of India
• 16.10 Syndicate Bank
• 16.11 Union Bank of India