Booming Indian Retail Banking Sector

Published Date: Jan 08                                                                                      No of Pages: 115
Format: Single User PDF

"Booming Indian Retail Banking Sector”, the market research report by RNCOS,  provides extensive research and rational analysis on the Indian banking industry.  This report has been made to help clients in analyzing the opportunities, challenges  and drivers critical to the growth of the retail banking industry in India.
 
The forecast given in this report is not based on a complex economic model, but is  intended as a rough guide to the direction in which the market is likely to move.  The future projection undertaken in this report is done on the basis of the current  market scenario, past trends, and rules and regulations laid by Reserve Bank of  India (RBI).The report provides detailed overview of the Indian banking industry by  contemplating and analyzing various parameters, like asset size, income level etc. It  helps clients to understand various products offered by the Indian banking industry  and their future scope.The report also provides the future overview of the industry  in terms of assets size, number of financial cardholders and various other important  features. The future forecast discusses the prospects of different arms of banking  industry, including rural banking, bancassurance, financial cards, mobile banking,  role of technology in rural banking, pension funds, and the future course of action  or strategies for pension fund industry to be taken at macro level.

•  Pension fund industry in India grew at a CAGR of 122.44% from 1999-00 to   2006-07.
•  In terms of ownership, debit cards are more in number than credit cards but in  terms of transactions, use of credit cards is more prevalent than debit cards.
•  The ATM outlets in India increased at a rate of 28.09% from March 2006 to March  2007.
•  Outstanding Education loan segment is expected to grow at 36.41% till March 2009  from March 2007 onwards to cross Rs. 27000 Crore Mark.
•  Two-wheeler finance industry is projected to forge ahead at a CAGR of 14.21% till  2009-10 from 2005-06.
•  Indian Mutual Fund industry witnessed a growth of 49.88% from May 2006 to May  2007, and a higher 215.61% growth was recorded in closed ended schemes.
•  Increasing number of millionaires in India is increasing the scope of Wealth  Management Services.
•  Bankable households in India are estimated to move up at a CAGR of 28.10% during  2007-2011.

•  Market analysis of different product segments in the banking industry.
•  Evaluation of current market trends.
•  Basel II Accord and Capital Requirement by Indian Banking Industry.
•  Factors driving he growth of Retail Banking Industry in India.
•  Analysis of various challenges and opportunities for the industry.
•  Urban vs. rural banking in terms of deposit and credit.
•  Drivers and constraints for credit and debit cards industry in India.
•  Pension Fund industry in India.

This section covers the key facts about the major players (including Public, Private,  and Foreign sector) in the Indian Banking Industry, including Bank of Baroda, State  Bank of India, Canara Bank, Punjab National Bank, HDFC Bank, ICICI Bank, Kotak  Mahindra Bank, Citibank, Standard Chartered Bank, HSBC Bank, ABN AMRO Bank,  American Express, etc.
 

 
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 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
 

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