Abstract
RNCOS' “Indian Banking Sector Analysis (2006-2007)”, report
provides extensive research and objective analysis on the growing banking
industry, their product quality, and their services in India. This report
helps clients to analyze the leading-edge opportunities critical to the
success of the banking Industry in India. Detailed data and analysis helps an
investor, financial service providers, and global banking players navigate the
evolving market of banks in India.
Key Findings
- The nationalized banks have more branches than any other types of banks in
India. Now there are about 33,627 Branches in India, as on March 2005.
- Investments of scheduled commercial banks (SCBs) also saw an increase from
Rs 8,04,199 crore in March 2005 to Rs 8,43,081 crore in the same month of 2006.
- India' s retail-banking assets are expected to grow at the rate of 18% a
year over the next four years (2006-2010).
- Retail loan to drive the growth of retail banking in future.
- Housing loan account for major chunk of retail loan.
Key Issues and Facts Analyzed
The research report also addresses the issues and facts that are critical to
your success:
- What does the competitive market landscape look like for the Indian
Banking Industry?
- How the services drive the Banking Sector in India?
- How demographic factors, personalized loans and credit quality programs
drive the market?
- What are the various opportunities and challenges of this industry?
- How the banks vary according to their regional set ups?
- How did the banks deploy their credits across sector?
- Strategies that are being adopted by global players for retail banking.
Key Products Analyzed
Key products like Deposits, Retail credit, Credit Cards, Debit Card, Internet
Banking, ATM facility are also analyzed, supported by the facts like revenue
and the market share.
Key Players Analyzed
This section provides an overview, key facts and several number of players
like Andhra Bank, State Bank of Mysore, Allahabad Bank, Vijaya Bank, Punjab
National Bank, HDFC Bank, UTI Bank, ICICI Bank, Kotak Mahindra Bank, Centurion
Bank Of Punjab, Citibank, Standard, HSBC, ABN AMRO and American Express.
Research Methodology Used
Information Sources
Books, Newspapers, Trade Journals, and White papers, Industry portals,
Government Agencies, Trade associations. Monitoring Industry News and
developments, Access to more than 3000 paid databases.
Analysis Method
Ratio Analysis, Historical Trend Analysis, Linear Regression Analysis using
software tools, Judgmental Forecasting and Cause and Effect Analysis.
Table of Contents
1. Analysts View
2. Banking Sector Worldwide Overview, 2005
- 2.1 Introduction
- 2.2 Worldwide Forecast (2006-2010)
- 2.3 Asia Pacific Banking Scenario
- 2.4 Indian Banking Sector in comparison to Rest of the World
- 2.4.1 Favorable Funding Volatility Ratio
- 2.4.2 High Rate Return on Assets
- 2.4.3 Net Interest Margin (NIM)
- 2.4.4 Cost Income Ratio (CIR)
- 2.4.5 Non-Performing Loans (NPLs) Ratio
- 2.4.6 Assets
3. Indian Financial Sector (2004-05)
4. Indian Banking Sector Scenario, 2005
- 4.1 Types of Banks
- 4.1.1 Public Sector Banks in India
- 4.1.1.1 State Bank of India and Associated Bank Group
- 4.1.1.2 Associate Banks
- 4.1.2 Nationalized Banks
- 4.1.3 Regional Rural Banks
- 4.1.4 Private Banks
- 4.1.5 Foreign Banks in India
- 4.1.6 Co-operative Banks
- 4.1.6.1 Urban Co-operative Banks
- 4.1.6.2 Rural Co-operative Banks
- 4.1.7 Development Banks
- 4.2 Performance of Schedule Commercial Banks in India (2004 & 2005)
- 4.2.1 Top Performing Private Sector Banks by Profitability
- 4.2.2 Top Performing Private Sector Banks by Revenue
- 4.2.3 Top Performing Public Sector Banks by Profitability
- 4.2.4 Top Performing Public Sector Banks by Revenue
- 4.2.5 Top Performing Foreign Banks by Profitability
- 4.2.6 Top Performing Foreign Banks by Revenue
5. Banking Sector Analysis
- 5.1 Regional Spread Analysis
- 5.2 Cross Sector Analysis
6. Retail Banking Sector in India
- 6.1 Overview
- 6.2 Retail Loans
- 6.3 India - Specific Retail Banking Strategy for Foreign Players
- 6.4 Retail Banking Forecast, 2010
7. Banking Products and Services
- 7.1 Deposits
- 7.2 Retail Loans
- 7.3 Credit Cards
- 7.4 Debit Card
- 7.5 ATM Outlets
- 7.6 Life Insurance
- 7.7 Mutual Funds
8. Impact of Mergers and Acquisitions of Banks in India
9. Driving Forces for Indian Banking Industry
10. Opportunities and Challenges of Indian Banking Sector
- 10.1 Opportunities
- 10.2 Challenges
11. Major Players in Banking Sector
- 11.1 Top Performing Public Sector Banks
- 11.1.1 Andhra Bank
- 11.1.2 State Bank of Mysore
- 11.1.3 Allahabad Bank
- 11.1.4 Vijaya Bank
- 11.1.5 Punjab National Bank
- 11.2 Top Performing Private Sector Banks
- 11.2.1 HDFC Bank
- 11.2.2 UTI Bank
- 11.2.3 ICICI Bank
- 11.2.4 Kotak Mahindra Bank
- 11.2.5 Centurion Bank of Punjab
- 11.3 Top Performing Foreign Banks
- 11.3.1 Citibank
- 11.3.2 Standard Chartered PLC
- 11.3.3 HSBC Bank
- 11.3.4 ABN AMRO Bank
- 11.3.5 American Express
12. Annexure I: Indian Banking Sector-Regulatory Framework and Guidelines
- 12.1 Regulatory Framework
- 12.2 Ownership
- 12.2.1 Phase-I (March 2005 to March 2009)
- 12.2.2 Phase-II (April 2009)
- 12.3 Capital
- 12.4 Inspection and Reporting
- 12.5 Audit Requirements
- 12.6 Recent Guidelines for Banks issued by RBI (February, 2005)
List of Figures:
- Figure 2-1: Worldwide - Forecast for Banking Industry Growth (%), 2006-2010
- Figure 2-2: Asia Pacific - Bank Deposit and Bankable Households (in
Billion US $), 2000-2005
- Figure 2-3: Gross National Saving as a % of GDP (1990 to 2004)
- Figure 2-4: Asia - Retail Customer Segmentation and Profitability
- Figure 2-5: Asia Pacific - High Net Worth Individuals (2000-2005)
- Figure 2-6: India - Banking Assets (in Million US $), 2001-2005
- Figure 2-7: India - Banking Sector Assets Classification (%), 2003
- Figure 2-8: India - Banking Sector Income Classification (%), 2003
- Figure 2-9: India - Foreign Bank Group' s Asset and Income Market Share
(%), 1998-2003
- Figure 4-1: India - Key Financials of Public Sector Bank (in Rs Crore),
2004-2006
- Figure 4-2: India - Key Financials of State Bank of India Group (in Rs
Crore), 2004-2006
- Figure 4-3: India - Key Financials of Nationalized Banks (in Rs Crore),
2004-2006
- Figure 4-4: India - Key Financials of Private Banks (in Rs Crore),
2004-2006
- Figure 4-5: India - Key Financials of Foreign Banks (in Rs Crore),
2004-2006
- Figure 4-6: India - Size-wise Distribution of Urban Co-operative Bank (%),
March 2005
- Figure 4-7: India - Operations of Urban Co-operative Banks (in Rs. Crore),
2003-04 & 2004-05
- Figure 4-8: IDBI - Key Financials (in Rs Crore), 2005 & 2006
- Figure 4-9: India - Off-site ATMs to Total Branches (%), March 2005
- Figure 4-10: India - Regional Distribution of Bank Branches (%), March 2004
- Figure 4-11: India - Regional Distribution of Bank Branches (%), March 2005
- Figure 4-12: India - Top Performing Private Sector Banks by Profitability
(in Rs Crore), March 2006
- Figure 4-13: India - Top Performing Private Sector Banks by Revenue (in Rs
Crore), March 2006
- Figure 4-14: India - Top Performing Public Sector Banks by Profitability
(in Rs Crore), March 2006
- Figure 4-15: India - Top Performing Public Sector Banks by Revenue (in Rs
Crore), March 2006
- Figure 4-16: India - Top Performing Foreign Banks by Profitability (in Rs
Crore), March 2006
- Figure 4-17: India - Top Performing Foreign Banks by Revenue (in Rs
Crore), March 2006
- Figure 5-1: India - Regional Spread of Banks (%), 2005
- Figure 5-2: India - Credit to Different Sectors (in Rs Crore), 2002-2005
- Figure 5-3: India - Agricultural Credit Growth (in Rs Crore), 2003-2005
- Figure 5-4: India - Sector-wise Growth in Non Food Credit (%), 1994-95 to
2004-05
- Figure 5-5: India - Deployment of Non-Food Bank Credit across Different
Sectors (%), 2003-04 & 2004-05
- Figure 6-1: India - Growth in Retail Loans & Advances by Commercial Banks
(in Rs Crore), 2004 & 2005
- Figure 6-2: India - Net Domestic Credit (in Billion US $), Jan' 2005 &
Jan' 2006
- Figure 6-3: India - Home Loan Portfolio of Six Largest Banks (in
Trillion), 2005 & 2006
- Figure 6-4: India - Forecast for Banking Sector Asset Size Growth (in
Billion US $), 2006-2010
- Figure 6-5: India - Forecast for Retail Banking Asset Size Growth (in
Billion US $), 2006-2010
- Figure 6-6: India - Retail Banking Revenue (in Billion US $), 2006 & 2010
- Figure 7-1: India - Banking Sector Deposits (in Rs Crore), 2004-2006
- Figure 7-2: India - Industry Average Spending on Credit Cards (in Rs.),
2003 & 2005
- Figure 7-3: India - Credit Card Market (in Billion US $), 2005-2010E
- Figure 11-1: Andhra Bank - Stock Performance Chart
- Figure 11-2: Allahabad Bank - Stock Performance Chart
- Figure 11-3: Vijaya Bank - Stock Performance Chart
- Figure 11-4: Punjab National Bank - Stock Performance Chart
- Figure 11-5: HDFC Bank - Stock Performance Chart
- Figure 11-6: UTI Bank - Stock Performance Chart
- Figure 11-7: ICICI Bank - Stock Performance Chart
- Figure 11-8: Kotak Mahindra Bank - Stock Performance Chart
- Figure 11-9: Citi Bank - Stock Performance Chart
- Figure 11-10: Standard Chartered - Stock Performance Chart
- Figure 11-11: HSBC Bank - Stock Performance Chart
- Figure 11-12: ABN AMRO Bank - Stock Performance Chart
- Figure 11-13: American Express Bank - Stock Performance Chart
List of Tables:
- Table 2-1: Worldwide Banking Industry Group Market Value (in Billion US
$), 2001-2005
- Table 2-2: Worldwide Banking Industry Group Segmentation by Region (%),
2005
- Table 2-3: Worldwide Forecast for Banking Industry (in Billion US $),
2006-2010
- Table 2-4: Funding Volatility Ratio of Indian Banks vis-à-vis
Global Range (%), 2002-03 to 2004-05
- Table 2-5: Return on Assets of Indian Banks vis-à-vis Global Range
(%), 2004 & 2005
- Table 2-6: Net Interest Margin of Indian Banks vis-à-vis Global
Range (%), 2002-03 to 2004-05
- Table 2-7: Cost Income Ratio of Indian Banks vis-à-vis Global Range
(%), 2002-03 to 2004-05
- Table 2-8: Non-Performing Loans Ratio of Indian Banks vis-à-vis
Global Range (%), 2004 & 2005
- Table 3-1: India - Financial Sector Indicator (%), 2003-04 & 2004-05
- Table 4-1: India - List of the Types of Bank
- Table 4-2: India - List of Associate Banks
- Table 4-3: India - List of Nationalized Banks
- Table 4-4: India - List of Private Banks
- Table 4-5: India - List of Foreign Banks
- Table 4-6: India - Number of Co-operative Credit Institution
- Table 4-7: India - Centre-wise Gradation of Urban Co-operative Banks, 2005
- Table 4-8: India - Average Deposit per Primary Agricultural Credit Society
in Major States (2002-2004)
- Table 4-9: India - Percentage of Borrowing Members to Total Members of
PACs (2001-02 to 2003-04)
- Table 4-10: India - Consolidated Balance Sheet of Schedule Commercial
Banks (in Crore), March 2004 & March 2005
- Table 4-11: India - Assets & Liabilities of SCB (in Rs Crore), Sep. 2005 &
Sep. 2006
- Table 4-12: India - Number of Branches of Schedule Commercial Banks, March
2005
- Table 4-13: India - Number of ATMs of Schedule Commercial Banks, March 2005
- Table 4-14: India - Group-wise Gross and Net NPAs of Scheduled Commercial
Banks (2002-2006)
- Table 4-15: India - Business of Scheduled Commercial Banks (2003-04 to
2005-06)
- Table 6-1: India - Retail Portfolio of Banks (2004 & 2005)
- Table 6-2: India - Retail Portfolio of Scheduled Commercial Banks (in Rs.
Crore), 2004 & 2005
- Table 7-1: India - Top 3 Players in Terms of Deposit (in Rs Crore),
2004-2006
- Table 7-2: India - Banking Retail Loans (in Rs Crore), 2004 & 2005
- Table 7-3: India - Banking Credit Card Base (in Million Number), 2006
- Table 7-4: India - Banking Debit Card Base (in Million Number), 2005
- Table 7-5: India - Banking ATM Base, 2005
- Table 7-6: India - Banking Life Insurance Business (in Rs Crore), 2004 &
2005
- Table 7-7: India - Public Sector Banks & their Collaboration with
Insurance Companies, 2006
- Table 7-8: India - Banking Mutual Fund Business (in Rs Crore), 2004 & 2005
- Table 8-1: India - Mergers & Acquisition of Banks (1969 to 2006)
- Table 11-1: Andhra Bank - Key Financial Information (in Rs Crore), March
2006
- Table 11-2: State Bank of Mysore - Key Financial Information (in Rs
Crore), March 2006
- Table 11-3: Allahabad Bank - Key Financial Information (in Rs Crore),
March 2006
- Table 11-4: Vijaya Bank - Key Financial Information (in Rs Crore), March
2006
- Table 11-5: Punjab National Bank - Key Financial Information (in Rs
Crore), March 2006
- Table 11-6: HDFC Bank - Key Financial Information (in Rs Crore), March 2006
- Table 11-7: UTI Bank - Key Financial Information (in Rs Crore), March 2006
- Table 11-8: ICICI Bank - Key Financial Information (in Rs Crore), March
2006
- Table 11-9: Kotak Mahindra Bank - Key Financial Information (in Rs Crore),
March 2006
- Table 11-10: Centurion Bank - Key Financial (in Rs Crore), March 2006
- Table 11-11: Citi Bank - Key Financial Information (in Rs Crore), March
2006
- Table 11-12: Standard Chartered - Key Financial Information (in Rs Crore),
March 2006
- Table 11-13: HSBC - Key Financial Information (in Rs Crore), March 2006
- Table 11-14: ABN AMRO Bank - Key Financial Information (in Rs Crore),
March 2006
- Table 11-15: American Express Bank - Key Financial Information (in Rs
Crore), March 2006
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