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Home > Business/Finance > Financial Services > Banking
Opportunities in Indian Banking Sector
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| Published Date:
January 2008
Published By:
RNCOS
Page Count:
110
Order Code:
R459-1070
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- 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
- 2.3.1 Overview
- 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 Credit/Deposit Ratio
- 3.5 Investment/Deposit Ratio
- 3.6 Capital Adequacy Ratio
- 3.7 Non-Performing Assets
- 3.8 By Product
- 3.8.1 Deposits
- 3.8.1.1 Scheduled Commercial Banks
- 3.8.1.2 Nationalized Banks
- 3.8.1.3 Public Sector Banks
- 3.8.1.4 State Bank Group
- 3.8.1.5 Private Banks
- 3.8.1.6 Foreign Banks
- 3.8.2 Financial Card
- 3.8.2.1 Credit Card
- 3.8.2.2 Debit Card
- 3.8.2.3 Drivers
- 3.8.2.4 Constraints
- 3.8.3 ATMs & Branch Network
- 3.8.4 Mutual Fund
- 3.9 Urban vs Rural Banking
- 3.9.1 By Deposits
- 3.9.2 By Credit Demand
- 3.9.3 By Bank Branches
- 3.10 Pension Fund Industry
- 3.11 Bancassurance
- 4. Industry Analysis
- 4.1 Risk Assessment of Banking Industry
- 4.2 Drivers
- 4.2.1 Increasing Bankable Households
- 4.2.2 Growing Industry Credit
- 4.2.3 Growing Housing Finance Industry
- 4.2.4 Declining NPA
- 4.3 Opportunities
- 4.3.1 Wealth Management Services
- 4.3.2 Rising Bankable Households
- 4.3.3 Large Unbanked Population
- 4.3.4 Call Centers (Support Services)
- 4.3.5 Pension Fund Industry
- 4.3.6 Auto Finance
- 4.3.7 Increasing Retail Lending
- 4.3.8 Booming Insurance Industry - Opportunity for Bancassurance
- 4.3.9 IT Investment
- 4.4 Challenges
- 4.4.1 Customer Retention
- 4.4.2 Lack of Consumer Credit Information
- 4.4.3 KYC (Know Your Customer) Issues & Money Laundering Risks
- 4.4.4 Increasing Level of Liquidity
- 4.4.5 Increasing Level of Risk Weightage to Commercial Real Estate Financing
- 4.4.6 Basel II Accords
- 5. Future Outlook
- 5.1 Bancassurance - 2010
- 5.2 Rural Banking
- 5.2.1 Strategy
- 5.2.2 Technology
- 5.3 Credit & Debit Cards (2007-08 to 2010-11)
- 5.4 Mobile & Internet Banking
- 5.5 Pension Fund Industry
- 5.5.1 Future Initiative/Strategy
- 5.6 Assets & Deposits (March 2008 to March 2011)
- 5.7 ATMs (2008-2011)
- 6. Key Players
- 6.1 Public Sector Banks
- 6.1.1 Bank of Baroda
- 6.1.2 State Bank of India
- 6.1.3 Allahabad Bank
- 6.1.4 Canara Bank
- 6.1.5 Punjab National Bank
- 6.2 Private Sector Banks
- 6.2.1 HDFC Bank
- 6.2.2 UTI Bank
- 6.2.3 ICICI Bank
- 6.2.4 Kotak Mahindra Bank
- 6.2.5 Centurion Bank of Punjab
- 6.3 Foreign Sector Banks
- 6.3.1 Citibank
- 6.3.2 Standard Chartered Bank
- 6.3.3 HSBC Bank
- 6.3.4 ABN AMRO Bank
- 6.3.5 American Express
- 7. Annexure I: Indian Banking Industry - Regulatory Framework & Guidelines
- 7.1 Regulatory Framework
- 7.2 Ownership
- 7.2.1 Phase-I (March 2005 to March 2009)
- 7.2.2 Phase-II (April 2009)
- 7.3 Capital
- 7.4 Inspection & Reporting
- 7.5 Audit Requirements
- 7.6 Managing Pension Fund by Banks
- 7.6.1 Eligibility Criteria
- 7.6.2 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 3-4: India - Banking Industry Deposits (in Rs Crore), March 2004 to March 2007
- Figure 3-5: India - Comparison with Global Purchase through Credit Card (%), 2006
- Figure 3-6: India - Number of Credit Card Holders (in Million), 2003-04 to 2005-06 & January 2007
- Figure 3-7: India, Seoul, Sydney & Hong Kong - Credit Card Ownership by Affluent Class (%), 2006
- Figure 3-8: India - Number of Credit Card Transactions (in Million), 2003-04 to 2005-06 & January 2007
- Figure 3-9: India - Payment by Credit Card (in Billion Rs), 2003-04 to 2005-06 & January 2007
- Figure 3-10: India - Number of Debit Cards (in Million), 2003-04 to 2005-06 & January 2007
- Figure 3-11: India - Number of Debit Card Transactions (in Million), 2003-04 to 2005-06
- Figure 3-12: India - Payment by Debit Card (in Rs Crore), 2003-04 to 2005-06
- Figure 3-13: India - Branches of Commercial Banks in Rural Area (in Numbers), March 2000 & March 2006
- Figure 3-14: India - Number of People Served by a Bank Branch in Rural & Urban Area (1991, 2001 & 2005)
- Figure 3-15: India - Pension Fund Premium for LIC (in Rs Crore), 1999-00 & 2006-07E
- Figure 4-1: India - Number of Bankable Households (in ‘000), 2001-2006E
- Figure 4-2: India - Industry Credit (in Rs Crore), 2004 & 2005
- Figure 4-3: India - Housing Loan Disbursement (in Rs Crore), 2001 & 2006
- Figure 4-4: India - Number of Millionaires (2003-2007F)
- Figure 4-5: India - Forecast for Number of Bankable Households (in ‘000), 2007-2011
- Figure 4-6: India - Unbankable Urban & Rural Population (%), July 2007
- Figure 4-7: India - Forecast for Working Population (in Million), 2007-2011
- Figure 4-8: India - Two-Wheeler Finance Market (in Rs Crore) 2005-06 to 2009-10F
- Figure 4-9: India - Forecast for Share of Organized & Unorganized Players in Auto Finance Market (%), 2009-10
- Figure 4-10: India - Forecast for Share of Bancassurance in Life Insurance Industry (%), 2010
- Figure 4-11: India - Banking Industry Investment on IT (in Million US$), 2006 & 2007E
- Figure 4-12: India - Forecast for Banking Industry Investment on IT (in Million US$), 2008-2010
- Figure 4-13: India - Banking Industry Investment on IT by Product (in Million US$), 2007E
- Figure 5-1: India - Forecast for Insurance Industry (in Billion US$), 2010
- Figure 5-2: India - Forecast for Number of Credit Holders (in Million), 2007-08 to 2010-11
- Figure 5-3: India - Forecast for Number of Debit Cards (in Million), 2007-08 to 2010-11
- Figure 5-4: India - Mobile & Internet Penetration (%), June 2007
- Figure 5-5: India - Forecast for Banking Industry Assets & Deposits (in Billion US$), March 2008 to March 2011
- Figure 5-6: India - Forecast for Number of ATMs (2008-2011)
- List of Tables:
- Table 2-1: Global - Banking Industry Loans by Region (in Trillion US$), 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 - Credit/Deposit Ratio by Type of Bank (%), March 2006 & March 2007
- Table 3-7: India - Capital Adequacy Ratio by Type of Bank (%), 2001-02 to 2006-07
- Table 3-8: India - Gross NPA by Type of Bank (in Rs. Crore), March 2005 to March 2007
- Table 3-9: India - Schedule Commercial Bank Deposits* by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-10: India - Nationalized Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-11: India - Nationalized Bank Deposits (in Rs Crore), March 2004 to March 2006
- Table 3-12: India - Public Sector Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-13: India - Public Sector Bank Deposits (in Rs Crore), March 2004 to March 2006
- Table 3-14: India - SBI Group Deposits by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-15: India - SBI & Associate Bank Deposits (in Rs Crore), March 2004 to March 2006
- Table 3-16: India - Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-17: India - Old Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-18: India - New Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-19: India - Foreign Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
- Table 3-20: India - On-site & Off-site ATM by Type of Bank (in Numbers), March 2006 & March 2007
- Table 3-21: India - Branches by Type of Bank (in Numbers), March 2006
- Table 3-22: India - Branches by Type of Bank (in Numbers), March 2007
- Table 3-23: India - Mutual Fund Industry by Assets under Management (in Rs Crore), May 2006 & May 2007
- Table 3-24: India - Banking Industry Deposits by Urban, Semi Urban & Rural Centers (in Rs Crore), December 2001 & December 2006
- Table 3-25: India - Banking Industry Credit Demand by Urban, Semi Urban & Rural Centers (in Rs Crore), December 2001 & December 2006
- Table 3-26: India - Number of Bank Branches in Urban, Semi Urban & Rural Centers (December 2001 & December 2006)
- Table 3-27: India - Bank Life Insurance Business (in Rs Crore), 2004 & 2005
- Table 3-28: India - Public Sector Banks & their Collaboration with Insurance Companies, 2006
- Table 4-1: India - NPA by Type of Bank (in Rs Crore), March 2004 to March 2006
- Table 6-1: Bank of Baroda - Key Financials (in Rs Crore), March 2007
- Table 6-2: State Bank of India - Key Financials (in Rs Crore), March 2007
- Table 6-3: Allahabad Bank - Key Financials (in Lakh Rs), March 2007
- Table 6-4: Canara Bank - Key Financials (in ‘000 Rs), March 2007
- Table 6-5: Punjab National Bank - Key Financials (in Rs Crore), March 2007
- Table 6-6: HDFC Bank - Key Financials (in Lakh Rs), March 2006 & March 2007
- Table 6-7: UTI Bank - Key Financials (in Rs Crore), March 2007
- Table 6-8: ICICI Bank - Key Financials (in ‘000 Rs), March 2007
- Table 6-9: Kotak Mahindra Bank - Key Financials (in Lakh Rs), March 2007
- Table 6-10: Centurion Bank of Punjab - Key Financials (in Rs Crore), March 2007
- Table 6-11: Citibank - India Specific Credit Cards
- Table 6-12: Citibank India - Key Financials (in ‘000 Rs), March 2007
- Table 6-13: Standard Chartered India - Key Financials (in Rs Crore), March 2007
- Table 6-14: HSBC India - Key Financials (in Rs Crore), March 2007
- Table 6-15: ABN AMRO India - Key Financials (in Rs Crore), March 2007
- Table 6-16: American Express India - Key Financials (in Rs Crore), March 2007
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