Indian Banking Sector Forecast to 2012

Table of Contents

1. Analyst View

2. Industry Overview

3. Key Performance Indicators

• 3.1 Assets
• 3.2 Income (Interest and Other Income)
• 3.3 Credit Deposit Ratio
• 3.4 Investment Deposit Ratio
• 3.5 Capital Adequacy Ratio
• 3.6 Non-performing Assets
• 3.7 Profit
  • 3.7.1 Operating Profit
  • 3.7.2 Net Profit

4. Product Landscape

• 4.1 Deposits
  • 4.1.1 Public Sector Banks
    • 4.1.1.1 Nationalized Banks
    • 4.1.1.2 State Bank Group
  • 4.1.2 Private Sector Banks
  • 4.1.3 Foreign Banks
• 4.2 Financial Cards
  • 4.2.1 Credit Cards
  • 4.2.2 Debit Cards
• 4.3 Loans and Advances
• 4.4 ATMs and Branch Network

5. Rural Banking

• 5.1 Market Developments
• 5.2 Technology Developments

6. Current Market Trends

• 6.1 Increasing Credit Demand
• 6.2 Improving Assets Quality
• 6.3 Rising Consumer Base
• 6.4 Implementation of Core Banking Solution (CBS)
• 6.5 Mobile Banking
• 6.6 Private Banking
• 6.7 Bancassurance

7. Key Players

• 7.1 Public Sector Banks
  • 7.1.1 Bank of Baroda
  • 7.1.2 Canara Bank
  • 7.1.3 Punjab National Bank
• 7.2 Private Sector Banks
  • 7.2.1 HDFC Bank
  • 7.2.2 ICICI Bank
  • 7.2.3 Axis Bank Ltd.
• 7.3 Foreign Sector Banks
  • 7.3.1 Citibank
  • 7.3.2 Standard Chartered Bank
  • 7.3.3 HSBC Bank

List of Figures:

• Figure 3-1: Banking Industry Assets (Rs Crore), 2003-04 to 2007-08
• Figure 3-2: Banking Industry Assets (Rs Crore), 2008-09 to 2011-12
• Figure 3-3: Banking Industry Income (Rs Crore), 2005-06 to 2007-08
• Figure 3-4: Banking Industry Income (Rs Crore), 2008-09 to 2011-12
• Figure 3-5: Banking Industry Credit Deposit Ratio (2002-03 to 2008-09)
• Figure 3-6: Banking Industry Investment Deposit Ratio (2002-03 to 2008-09)
• Figure 3-7: Banking Industry Gross and Net NPA (Rs Crore), 2004-05 to 2007-08
• Figure 4-1: Banking Industry Deposits (Rs Crore), 2008-09 to 2011-12
• Figure 4-2: Number of Credit Cards (Million), 2005-06 to 2007-08
• Figure 4-3: Credit Cards in Circulation by Bank (%), 2007-08
• Figure 4-4: Number of Credit Cards (Million), 2008-09 to 2011-12
• Figure 4-5: Number of Credit Card Transactions (Million), 2005-06 to 2007-08
• Figure 4-6: Credit Card Transactions (Billion Rs), 2005-06 to 2008-09
• Figure 4-7: Number of Debit Cards (Million), 2005-06 to 2007-08
• Figure 4-8: Number of Debit Cards (Million), 2008-09 to 2011-12
• Figure 4-9: Number of Debit Card Transactions (Million), 2005-06 to 2007-08
• Figure 4-10: Debit Card Transactions (Rs Crore), 2005-06 to 2008-09
• Figure 4-11: Banking Industry Loans and Advances (Rs Crore), 2006-07 & 2007-08
• Figure 4-12: Banking Industry Loans and Advances (Rs Crore), 2008-09 to 2011-12
• Figure 4-13: Regional Distribution of Bank Branches (%), Jun 2008
• Figure 5-1: Rural Banking Industry Deposits and Credits (Rs Crore), 2006-07 & 2007-08
• Figure 6-1: Retail Loan Portfolio of Schedule Commercial Banks (%), 2007-08
• Figure 6-2: Number of Bankable Households (Thousand), 2007-2012
• Figure 6-3: Number of ECS-Credit and ECS-Debit Transactions (Thousand), 2005-06 to 2007-08
• Figure 6-4: Number of Millionaires (2003-2008)
• Figure 6-5: Forecast for Share of Bancassurance in Life Insurance Industry (2010-11)

List of Tables:

• Table 3-1: Assets by Bank Group (Rs Crore), 2003-04 to 2007-08
• Table 3-2: Interest Income by Bank Group (Rs Crore), 2005-06 to 2007-08
• Table 3-3: Other Income by Bank Group (Rs Crore), 2005-06 to 2007-08
• Table 3-4: Credit Deposit Ratio by Bank Group (2006-07 & 2007-08)
• Table 3-5: Capital Adequacy Ratio by Bank Group (2002-03 to 2007-08)
• Table 3-6: Gross NPA by Bank Group (%), 2003-04 to 2007-08
• Table 3-7: Net NPA by Bank Group (%), 2003-04 to 2007-08
• Table 3-8: Operating Profit by Bank Group (Rs Crore), 2006-07 & 2007-08
• Table 3-9: Net Profit by Bank Group (Rs Crore), 2006-07 & 2007-08
• Table 4-1: Banking Industry Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-2: Public Sector Bank Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-3: Nationalized Bank Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-4: State Bank Group Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-5: SBI and Associated Bank Deposits (Rs Crore), 2004-05 to 2007-08
• Table 4-6: Private Sector Bank Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-7: Old Private Sector Bank Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-8: New Private Sector Bank Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-9: Foreign Bank Deposits by Type (Rs Crore), 2004-05 to 2007-08
• Table 4-10: Loans and Advances by Bank Group (Rs Crore), 2006-07 & 2007-08
• Table 4-11: Number of On-site and Off-site ATMs by Bank Group (2006-07 & 2007-08)
• Table 4-12: Number of Branches by Bank Group (2007-08)
• Table 5-1: Number of Rural Branches by Bank Group (2005-06 to 2007-08)
• Table 6-1: Retail Loan Portfolio of Schedule Commercial Banks (Rs Crore), 2004-05 to 2007-08
• Table 6-2: Recovery of NPA by Bank Group (Rs Crore), 2006-07 & 2007-08
• Table 6-3 Computerization in Public Sector Banks (2006-07 & 2007-08)
• Table 6-4: Bancassurance - SWOT Analysis
• Table 7-1: Bank of Baroda - SWOT Analysis
• Table 7-2: Canara Bank - SWOT Analysis
• Table 7-3: Punjab National Bank - SWOT Analysis
• Table 7-4: HDFC Bank - SWOT Analysis
• Table 7-5: ICICI Bank - SWOT Analysis
• Table 7-6: Axis Bank Ltd. - SWOT analysis
• Table 7-7: Citibank - SWOT Analysis
• Table 7-8: Standard Chartered Bank - SWOT Analysis
• Table 7-9: HSBC Bank - SWOT Analysis