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Booming Indian Retail Banking Sector

Published on January 2008

Report Summary

``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.

Key Findings of the Report

§ 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.

Key Issues & Facts Analyzed in the Report

§ 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.

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Key Players Analyzed

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.

Research Methodology Used

Information Sources
Information has been sourced from books, newspapers, trade journals, and white papers, industry portals, government agencies,
trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases.

Analysis Method
The analysis methods include ratio analysis, historical trend analysis, linear regression analysis using software tools, judgmental
forecasting, and cause and effect analysis.

Table of Content

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

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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

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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

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 4-1: India - Banking Industry Deposits (in Rs Crore), March 2004 to March 2007
Figure 4-2: India - Outstanding Home Loan (in Rs Crore), March 2005 to March 2007
Figure 4-3: India - Outstanding Education Loan (in Rs Crore), March 2005 to March 2009F
Figure 4-4: India - Number of Education Loan Accounts (in Lakh), 2003-04 & 2005-06
Figure 4-5: India - Two-Wheeler Finance Market (in Rs Crore) 2005-06 to 2009-10F
Figure 4-6: India - Car Finance Market (in Rs Crore), 2004-05 & 2008-09F
Figure 4-7: India - Forecast for Share of Organized & Unorganized Players in Auto Finance Market (%), 2009-10
Figure 4-8: India - Consumer Durable Finance (in Rs Crore), March 2005 to March 2007
Figure 4-9: India - Credit Card Outstanding (in Rs Crore), March 2005 to March 2007
Figure 4-10: India - Outstanding Advances against Fixed Deposits (in Rs Crore), March 2005 to March 2007
Figure 4-11: India - Comparison with Global Purchase through Credit Card (%), 2006
Figure 4-12: India - Number of Credit Card Holders (in Million), 2003-04 to 2005-06 & May 2007

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Figure 4-13: India, Seoul, Sydney & Hong Kong - Credit Card Ownership by Affluent Class (%), 2006
Figure 4-14: India - Number of Credit Card Transactions (in Million), 2003-04 to 2005-06 & January 2007
Figure 4-15: India - Payment by Credit Card (in Billion Rs), 2003-04 to 2005-06 & January 2007
Figure 4-16: India - Number of Debit Cards (in Million), 2003-04 to 2005-06 & May 2007
Figure 4-17: India - Number of Debit Card Transactions (in Million), 2003-04 to 2005-06
Figure 4-18: India - Payment by Debit Card (in Rs Crore), 2003-04 to 2005-06
Figure 4-19: India - Insurance Business Procured through Banks (%), 2005-06
Figure 4-20: India - Pension Fund Premium (in Rs Crore), 1999-00 & 2006-07E
Figure 5-1: India - Number of Bankable Households (in '000), 2001-2006E
Figure 5-2: India - Housing Loan Disbursement (in Rs Crore), 2001 & 2006
Figure 5-3: India - Industry Credit (in Rs Crore), 2004 & 2005
Figure 5-4: India - Forecast for Number of Bankable Households (in '000), 2007-2011
Figure 5-5: India - Unbankable Urban & Rural Population (%), July 2007
Figure 5-6: India - Number of Millionaires (2003-2007F)
Figure 5-7: India - Forecast for Working Population (in Million), 2007-2011
Figure 5-8: India - Forecast for Share of Bancassurance in Life Insurance Industry (%), 2010
Figure 5-9: India - Banking Industry Investment on IT (in Million US$), 2006 & 2007E
Figure 5-10: India - Forecast for Investment by Banking Industry on IT (in Million US$), 2008-2010
Figure 5-11: India - Investment by Banking Industry on IT by Product (in Million US$), 2007E
Figure 6-1: India - Forecast for Insurance Industry (in Billion US$), 2010
Figure 6-2: India - Forecast for Number of Credit Holders (in Million), 2007-08 to 2010-11
Figure 6-3: India - Forecast for Number of Debit Cards (in Million), 2007-08 to 2010-11
Figure 6-4: India - Mobile & Internet Penetration (%), June 2007
Figure 6-5: India - Forecast for Banking Industry Assets & Deposits (in Billion US$), March 2008 to March 2011
Figure 6-6: 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 - Capital Adequacy Ratio by Type of Bank (%), 2001-02 to 2006-07
Table 3-7: India - Gross NPA by Type of Bank (in Rs. Crore), March 2005 to March 2007
Table 3-8: India - Credit/Deposit Ratio by Type of Bank (%), March 2006 & March 2007
Table 4-1: India - Schedule Commercial Bank Deposits* by Segment (in Rs Crore), March 2005 to March 2007
Table 4-2: India - Nationalized Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-3: India - Nationalized Bank Deposits (in Rs Crore), March 2004 to March 2006
Table 4-4: India - Public Sector Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-5: India - Public Sector Bank Deposits (in Rs Crore), March 2004 to March 2006
Table 4-6: India - SBI Group Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-7: India - SBI & Associate Bank Deposits (in Rs Crore), March 2004 to March 2006
Table 4-8: India - Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-9: India - Old Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-10: India - New Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007

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Table 4-11: India - Foreign Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-12: India - Credit Demand by Urban, Semi-urban & Rural Centers (in Rs Crore), December 2001 & December 2006
Table 4-13: India - On-site & Off-site ATM by Type of Bank (in Numbers), March 2006 & March 2007
Table 4-14: India - Branches by Type of Bank (in Numbers), March 2006
Table 4-15: India - Branches by Type of Bank (in Numbers), March 2007
Table 4-16: India - Life Insurance Business by Bank (in Rs Crore), 2004 & 2005
Table 4-17: India - Public Sector Banks & their Collaboration with Insurance Companies, 2006
Table 4-18: India - Mutual Fund Industry by Assets under Management (in Rs Crore), May 2006 & May 2007
Table 5-1: India - Non-Performing Assets by Type of Bank (in Rs Crore), March 2004 to March 2006
Table 7-1: Bank of Baroda - Key Financials (in Rs Crore), March 2007
Table 7-2: State Bank of India - Key Financials (in Rs Crore), March 2007
Table 7-3: Allahabad Bank - Key Financials (in Rs Lakh), March 2007
Table 7-4: Canara Bank - Key Financials (in Rs '000), March 2007
Table 7-5: Punjab National Bank - Key Financials (in Rs Crore), March 2007
Table 7-6: HDFC Bank - Key Financials (in Rs Lakh), March 2006 & March 2007
Table 7-7: UTI Bank - Key Financials (in Rs Crore), March 2007
Table 7-8: ICICI Bank - Key Financials (in Rs '000), March 2007
Table 7-9: Kotak Mahindra Bank - Key Financials (in Rs Lakh), March 2007
Table 7-10: Centurion Bank of Punjab - Key Financials (in Rs Crore), March 2007
Table 7-11: Citibank - India-specific Credit Cards
Table 7-12: Citibank India - Key Financials (in Rs '000), March 2007
Table 7-13: Standard Chartered India - Key Financials (in Rs Crore), March 2007
Table 7-14: HSBC India - Key Financials (in Rs Crore), March 2007
Table 7-15: ABN AMRO India - Key Financials (in Rs Crore), March 2007
Table 7-16: American Express India - Key Financials (in Rs Crore), March 2007

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