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市場調查報告書
印度銀行市場
Indian Banking Sector
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印度銀行市場 是由出版商CARE Research在2010年10月所出版的。
這份英文市場調查報告書價格從美金1000起跳。
本報告為，分析印度銀行市場展望及市場趨勢，並匯整銀行歷史、印度儲備銀行(RBI)功用、存款、貸款、投資、盈利能力等，以下列摘要形式闡述。
實施概要
第1章 展望
- 固定信貸
- 存款
- 淨息差(NIM)
- 不良債務(NPA)
- 盈利能力
第2章 市場
- 印度銀行市場歷史
- State Bank of India (SBI)及相關機構歷史
- 其他銀行歷史
- 各種銀行集團
- 地區性分店分布
- 其他銀行歷史
- 印度儲備銀行(RBI)功用
- RBI之金融、信貸政策
- 全球不景氣以來之發展
- 流動資金調節機制(LAF)
- 存款準備金率(CRR)
- 存款
- 銀行資金來源
- 指定商業銀行(SCB)存款之分配
- 持有人存款分配
- 家庭存款流動
- 存款種類
- 銀行集團別存款實績
- 貸款
- 總貸款之類別內容
- 總貸款之安全性別內容
- FY09, FY10, FY11之固定信貸
- 領域別銀行信貸
- 投資
- 投資內容
- 法定流動資金比率(SLR)投資
- 非SLR投資
- 總收入
- 總收入內容
- 貸款、投資金利
- 其他收入
- 投資銷售/評估之利益
- 總支出
- 銀行利差、淨息差(NIM)
- SCB用銀行利差、淨息差(NIM)之分析
- 銀行集團別實績
- 盈利能力
- 不良債務(NPA)
- 資產分類
- SCB用NPA之趨勢
- 銀行集團別實績，等
- 資本充足比率(CAR)
Abstract
SYNOPSIS
Indian Banking Industry: Survives financial tornado; opportunities
ahead...
The Indian Banking system has managed to successfully sail through the
financial tornado witnessed by the global economy on the back of sound
policies of our apex bank and fiscal stimulus packages implemented by the
Government. Strict regulations relating to the exposure to derivative
instruments, relatively tighter norms on capital adequacy based on
risk-weighted assets and timely intervention by the Reserve Bank of India
(RBI) prevented the severe contagion of the global financial crisis to the
Indian banking system.
During the recessionary phase in October 2008- March 2009 period, the RBI was
swift to reduce the policy rates, both repo and reverse repo and provide
liquidity to the economy by reducing the reserve ratios and offering adequate
support to the banking system. Couple of fiscal stimulus packages by the
Government, relaxation of norms for certain sectors like real estate and
allowing the banks to restructure its advances too contributed to the sailing
of Indian banks through the rough phase with minimal impact.
According to CARE Research, the Indian Banking Sector is poised for
significant growth in the coming years driven by:
- Healthy outlook on GDP
- Under penetrated financial system
- Borrowings from infrastructure and mortgage finance (home loans)
Table of Contents
EXECUTIVE SUMMARY
I. OUTLOOK SECTION
- Outlook on credit off-take
- Outlook on deposits
- Outlook on net interest margins
- Outlook on non-performing assets
- Outlook on profitability
II. SECTOR SECTION
1. History of the Banking Sector in India
- History of State Bank of India (SBI) and
- Associates
- History of other banks in India
- Pre-independence
- Post Independence to Nationalisation
- Nationalisation to Liberalisation
- Arguments for Nationalisation
- Liberalisation to current date
- Interest rate liberalisation
- Privatisation
- Entry of foreign banks
- Various Banking Groups
- Regional Distribution of Branches
- History of other banks in India
2. Role of Reserve Bank of India
- RBI monetary and credit policy
- Developments since the global economic
- recession
- Liquidity Adjustment Facility (LAF)
- Cash Reserve Ratio (CRR)
3. Deposits
- Sources of Funds for Banks
- Distribution of deposits of Scheduled
- Commercial banks (SCB)
- Distribution of deposits by Ownership
- Deposits mobilisation from Households
- Types of Deposits
- Current deposits
- Saving deposits
- Term deposits
- Bank group-wise deposit performance
- SBI and Associates
- Nationalised Banks
- Private Sector Banks
- Foreign Banks
4. Advances
- Type-wise break-up of total advances
- Security-wise break-up of total advances
- Credit off take in FY09, FY10 and FY11
- Sectoral Bank Credit
5. Investments
- Break-up of Investments
- Statutory Liquidity Ratio (SLR) Investment
- Non-SLR Investments
6. Total Income
- Break-up of total income
- Interest on Advances and Investments
- Other Income
- Fee income
- Non-fee income
- Profit on sale/revaluation of Investments
7. Total Expenses
- Break-up of total expenses
- Operating cost - bank group-wise
- Non-staff cost
8. Spread and Net Interest Margin (NIM)
- Analysis of Spread and Net Interest
- Margin (NIM) for SCB
- Bank group-wise performance
- Public Sector Banks (PSBs)
- Old Private Sector Banks
- New Private Sector Banks
- Foreign Banks
9. Profitability
- Profitability of SCB
- Bank group-wise performance
- SBI and Associates
- Nationalized Banks
- Private Sector Banks
- Foreign Banks
10. Non Performing Assets (NPA)
- Classification of assets
- Provision requirement for assets based on
- their classification category
- Trend in NPAs for SCB
- NPAs, Provisions and Write-back for
- banking groups
- Sector-wise NPA break-up
- Recovery of NPA
- Recovery of Debts Due to Banks and
- Financial Institutions Act, 1993
- Bank group-wise performance
- Public Sector Banks (PSBs)
- Old Private Sector Banks
- New Private Sector Banks
- Foreign Banks
11. Capital Adequacy Ratio (CAR)
- Concept
- Trend in CAR
- Bank group-wise trend in CAR over the years
- Distribution of banks by CAR
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