Table of Contents
1. Analyst View
2. Industry Overview
- 2.1 Global Banking Industry
- 2.1.1 Overview
- 2.1.2 Regional Segmentation
- 2.1.3 Top Performing Banks
- 2.2 Asia Banking Industry
- 2.2.1 Overview
- 2.2.2 Top Performing Banks
- 2.3 Indian Banking Industry
3. Indian Banking Industry Performance
- 3.1 Assets
- 3.2 Income (Interest & Other Income)
- 3.3 Profit
- 3.3.1 Operating Profit
- 3.3.2 Net Profit
- 3.4 Capital Adequacy Ratio
- 3.5 Non-Performing Assets
- 3.6 Credit/Deposit Ratio
- 3.7 Investment/Deposit Ratio
4. Retail Banking Products
- 4.1 Deposits
- 4.1.1 Scheduled Commercial Banks
- 4.1.2 Nationalized Banks
- 4.1.3 Public Sector Banks
- 4.1.4 State Bank Group
- 4.1.5 Private Banks
- 4.1.6 Foreign Banks
- 4.2 Retail Loan
- 4.2.1 Home Loan
- 4.2.2 Education Loan
- 4.2.3 Auto Loan
- 4.2.4 Consumer Durable Loan
- 4.2.5 Credit Card Outstanding
- 4.2.6 Advances against Fixed Deposits
- 4.2.7 Credit Demand - By Urban, Semi-urban & Rural Centers
- 4.3 Microfinance
- 4.4 Financial Cards
- 4.4.1 Credit Card
- 4.4.2 Debit Card
- 4.4.3 Drivers
- 4.4.4 Constraints
- 4.5 ATMs & Branch Network
- 4.6 Bancassurance
- 4.7 Mutual Fund
- 4.8 Pension Fund Industry
5. Industry Analysis
- 5.1 Risk Assessment of Banking Industry
- 5.2 Drivers
- 5.2.1 Rising Number of Bankable Households
- 5.2.2 Burgeoning Need for Housing Finance
- 5.2.3 Expanding Industry Credit
- 5.2.4 Declining Non-Performing Assets
- 5.3 Opportunities
- 5.3.1 Increasing Number of Bankable Households
- 5.3.2 Huge Unbanked Populace
- 5.3.3 Wealth Management Services
- 5.3.4 Growing Retail Lending
- 5.3.5 Pension Fund Industry
- 5.3.6 Bancassurance - New Opportunity Area
- 5.3.7 Support Services & Operations (Call Centers)
- 5.3.8 IT Investment
- 5.4 Challenges
- 5.4.1 Customer Retention
- 5.4.2 Lack of Consumer Credit Information
- 5.4.3 Increasing Liquidity
- 5.4.4 ' Know Your Customer' Issues & Money Laundering Risks
- 5.4.5 High Risk Weightage to Commercial Real Estate Financing
- 5.4.6 Basel II Accords
6. Retail Banking - Future Outlook
- 6.1 Bancassurance - 2010
- 6.2 Credit & Debit Cards (2007-08 to 2010-11)
- 6.3 Mobile & Internet Banking
- 6.4 Pension Fund Industry
- 6.4.1 Future Initiatives/Strategies
- 6.5 Assets & Deposits (March 2008 to March 2011)
- 6.6 ATMs (2008-2011)
7. Key Players
- 7.1 Public Sector Banks
- 7.1.1 Bank of Baroda
- 7.1.2 State Bank of India
- 7.1.3 Allahabad Bank
- 7.1.4 Canara Bank
- 7.1.5 Punjab National Bank
- 7.2 Private Sector Banks
- 7.2.1 HDFC Bank
- 7.2.2 UTI Bank
- 7.2.3 ICICI Bank
- 7.2.4 Kotak Mahindra Bank
- 7.2.5 Centurion Bank of Punjab
- 7.3 Foreign Sector Banks
- 7.3.1 Citibank
- 7.3.2 Standard Chartered Bank
- 7.3.3 HSBC Bank
- 7.3.4 ABN AMRO Bank
- 7.3.5 American Express
8. Annexure I: Indian Banking Industry - Regulatory Framework & Guidelines
- 8.1 Regulatory Framework
- 8.2 Ownership
- 8.2.1 Phase-I (March 2005 to March 2009)
- 8.2.2 Phase-II (April 2009)
- 8.3 Capital
- 8.4 Inspection & Reporting
- 8.5 Audit Requirements
- 8.6 Managing Pension Fund by Banks
- 8.6.1 Eligibility Criteria
- 8.6.2 Pension Fund Subsidiary
List of Figures:
- Figure 2-1: Global - Banking Industry Assets (in Trillion US$), 2002-2006
- Figure 2-2: Global - Forecast for Banking Industry Assets (in Trillion
US$), 2007-2011
- Figure 2-3: Global - Banking Industry Deposits (in Billion US$), 2002-2006
- Figure 2-4: Asia - Banking Industry Assets (in Billion US$), 2004 & 2005
- Figure 3-1: India - Banking Industry Assets (in Rs Crore), March 2004 to
March 2007
- Figure 3-2: India - Banking Industry Income (in Rs Crore), 2004-05 to
2006-07
- Figure 3-3: India - Banking Industry Investment/Deposit Ratio* (%),
2000-01 to 2006-07
- Figure 4-1: India - Banking Industry Deposits (in Rs Crore), March 2004 to
March 2007
- Figure 4-2: India - Outstanding Home Loan (in Rs Crore), March 2005 to
March 2007
- Figure 4-3: India - Outstanding Education Loan (in Rs Crore), March 2005
to March 2009F
- Figure 4-4: India - Number of Education Loan Accounts (in Lakh), 2003-04 &
2005-06
- Figure 4-5: India - Two-Wheeler Finance Market (in Rs Crore) 2005-06 to
2009-10F
- Figure 4-6: India - Car Finance Market (in Rs Crore), 2004-05 & 2008-09F
- Figure 4-7: India - Forecast for Share of Organized & Unorganized Players
in Auto Finance Market (%), 2009-10
- Figure 4-8: India - Consumer Durable Finance (in Rs Crore), March 2005 to
March 2007
- Figure 4-9: India - Credit Card Outstanding (in Rs Crore), March 2005 to
March 2007
- Figure 4-10: India - Outstanding Advances against Fixed Deposits (in Rs
Crore), March 2005 to March 2007
- Figure 4-11: India - Comparison with Global Purchase through Credit Card
(%), 2006
- Figure 4-12: India - Number of Credit Card Holders (in Million), 2003-04
to 2005-06 & May 2007
- Figure 4-13: India, Seoul, Sydney & Hong Kong - Credit Card Ownership by
Affluent Class (%), 2006
- Figure 4-14: India - Number of Credit Card Transactions (in Million),
2003-04 to 2005-06 & January 2007
- Figure 4-15: India - Payment by Credit Card (in Billion Rs), 2003-04 to
2005-06 & January 2007
- Figure 4-16: India - Number of Debit Cards (in Million), 2003-04 to
2005-06 & May 2007
- Figure 4-17: India - Number of Debit Card Transactions (in Million),
2003-04 to 2005-06
- Figure 4-18: India - Payment by Debit Card (in Rs Crore), 2003-04 to
2005-06
- Figure 4-19: India - Insurance Business Procured through Banks (%), 2005-06
- Figure 4-20: India - Pension Fund Premium (in Rs Crore), 1999-00 & 2006-07E
- Figure 5-1: India - Number of Bankable Households (in ' 000), 2001-2006E
- Figure 5-2: India - Housing Loan Disbursement (in Rs Crore), 2001 & 2006
- Figure 5-3: India - Industry Credit (in Rs Crore), 2004 & 2005
- Figure 5-4: India - Forecast for Number of Bankable Households (in ' 000),
2007-2011
- Figure 5-5: India - Unbankable Urban & Rural Population (%), July 2007
- Figure 5-6: India - Number of Millionaires (2003-2007F)
- Figure 5-7: India - Forecast for Working Population (in Million), 2007-2011
- Figure 5-8: India - Forecast for Share of Bancassurance in Life Insurance
Industry (%), 2010
- Figure 5-9: India - Banking Industry Investment on IT (in Million US$),
2006 & 2007E
- Figure 5-10: India - Forecast for Investment by Banking Industry on IT (in
Million US$), 2008-2010
- Figure 5-11: India - Investment by Banking Industry on IT by Product (in
Million US$), 2007E
- Figure 6-1: India - Forecast for Insurance Industry (in Billion US$), 2010
- Figure 6-2: India - Forecast for Number of Credit Holders (in Million),
2007-08 to 2010-11
- Figure 6-3: India - Forecast for Number of Debit Cards (in Million),
2007-08 to 2010-11
- Figure 6-4: India - Mobile & Internet Penetration (%), June 2007
- Figure 6-5: India - Forecast for Banking Industry Assets & Deposits (in
Billion US$), March 2008 to March 2011
- Figure 6-6: India - Forecast for Number of ATMs (2008-2011)
List of Tables:
- Table 2-1: Global - Banking Industry Loans by Region (in Trillion US$),
2002-2006
- Table 2-2: Global - Top Performing Banks by Capital Base, Assets &
Capitalization (June 2007)
- Table 2-3: Asia - Top Performing Banks by Country, 2007
- Table 2-4: India - List of the Types of Bank
- Table 3-1: India - Banking Industry Assets by Type of Bank (in Rs Crore),
March 2004 to March 2007
- Table 3-2: India - Banking Industry Interest Income by Type of Bank (in Rs
Crore), 2004-05 to 2006-07
- Table 3-3: India - Banking Industry Other Income by Type of Bank (in Rs
Crore), 2004-05 to 2006-07
- Table 3-4: India - Banking Industry Operating Profit by Type of Bank (in
Rs Crore), 2004-05 to 2006-07
- Table 3-5: India - Banking Industry Net Profit by Type of Bank (in Rs
Crore), 2004-05 to 2006-07
- Table 3-6: India - Capital Adequacy Ratio by Type of Bank (%), 2001-02 to
2006-07
- Table 3-7: India - Gross NPA by Type of Bank (in Rs. Crore), March 2005 to
March 2007
- Table 3-8: India - Credit/Deposit Ratio by Type of Bank (%), March 2006 &
March 2007
- Table 4-1: India - Schedule Commercial Bank Deposits* by Segment (in Rs
Crore), March 2005 to March 2007
- Table 4-2: India - Nationalized Bank Deposits by Segment (in Rs Crore),
March 2005 to March 2007
- Table 4-3: India - Nationalized Bank Deposits (in Rs Crore), March 2004 to
March 2006
- Table 4-4: India - Public Sector Bank Deposits by Segment (in Rs Crore),
March 2005 to March 2007
- Table 4-5: India - Public Sector Bank Deposits (in Rs Crore), March 2004
to March 2006
- Table 4-6: India - SBI Group Deposits by Segment (in Rs Crore), March 2005
to March 2007
- Table 4-7: India - SBI & Associate Bank Deposits (in Rs Crore), March 2004
to March 2006
- Table 4-8: India - Private Bank Deposits by Segment (in Rs Crore), March
2005 to March 2007
- Table 4-9: India - Old Private Bank Deposits by Segment (in Rs Crore),
March 2005 to March 2007
- Table 4-10: India - New Private Bank Deposits by Segment (in Rs Crore),
March 2005 to March 2007
- Table 4-11: India - Foreign Bank Deposits by Segment (in Rs Crore), March
2005 to March 2007
- Table 4-12: India - Credit Demand by Urban, Semi-urban & Rural Centers (in
Rs Crore), December 2001 & December 2006
- Table 4-13: India - On-site & Off-site ATM by Type of Bank (in Numbers),
March 2006 & March 2007
- Table 4-14: India - Branches by Type of Bank (in Numbers), March 2006
- Table 4-15: India - Branches by Type of Bank (in Numbers), March 2007
- Table 4-16: India - Life Insurance Business by Bank (in Rs Crore), 2004 &
2005
- Table 4-17: India - Public Sector Banks & their Collaboration with
Insurance Companies, 2006
- Table 4-18: India - Mutual Fund Industry by Assets under Management (in Rs
Crore), May 2006 & May 2007
- Table 5-1: India - Non-Performing Assets by Type of Bank (in Rs Crore),
March 2004 to March 2006
- Table 7-1: Bank of Baroda - Key Financials (in Rs Crore), March 2007
- Table 7-2: State Bank of India - Key Financials (in Rs Crore), March 2007
- Table 7-3: Allahabad Bank - Key Financials (in Rs Lakh), March 2007
- Table 7-4: Canara Bank - Key Financials (in Rs ' 000), March 2007
- Table 7-5: Punjab National Bank - Key Financials (in Rs Crore), March 2007
- Table 7-6: HDFC Bank - Key Financials (in Rs Lakh), March 2006 & March 2007
- Table 7-7: UTI Bank - Key Financials (in Rs Crore), March 2007
- Table 7-8: ICICI Bank - Key Financials (in Rs ' 000), March 2007
- Table 7-9: Kotak Mahindra Bank - Key Financials (in Rs Lakh), March 2007
- Table 7-10: Centurion Bank of Punjab - Key Financials (in Rs Crore), March
2007
- Table 7-11: Citibank - India-specific Credit Cards
- Table 7-12: Citibank India - Key Financials (in Rs ' 000), March 2007
- Table 7-13: Standard Chartered India - Key Financials (in Rs Crore), March
2007
- Table 7-14: HSBC India - Key Financials (in Rs Crore), March 2007
- Table 7-15: ABN AMRO India - Key Financials (in Rs Crore), March 2007
- Table 7-16: American Express India - Key Financials (in Rs Crore), March
2007
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