Retail Banking In India

Content

• 1. Executive Summary
• 2. Highlights
• 3. Global Retail Banking Scenario
  • 3.1 Introduction
  • 3.2 Retail Drives The Global Banking Assets Touch USD 65 Trillion
  • 3.3 Declining Bad Debt and Provisions
  • 3.4.Profitability Improves
  • 3.5 Increased Emphasis on Fee-Based Business
  • 3.6 Region-Wise Analysis
  • 3.6.1 US
  • 3.6.2 Europe
  • 3.6.3 Asia Pacific
  • 3.7 Recent Trends
  • 3.7.1 Level and Growth Rate of Household Credit
  • 3.7.2 More Banks Focusing on Revenue Growth
  • 3.7.3rising Consumer Debt Causes Concern
• 4.Indian Banking Industry
  • 4.1 Introduction
  • 4.2 Evolution
  • 4.3 Reforms Galore
  • 4.4 Current Status
  • 4.4.1 Monetary and Liquidity Position: Relatively Stable
  • 4.4.2 Inflationary Pressure Decreases
  • 4.4.3 Credit Market
  • 4.4.4 Composition of Indian Banking System in 2007
  • 4.5 Geographic Spread
  • 4.6 Key Business Segments
  • 4.7 Public Sector Banks Are Still Leading...
• 5. Retail Banking - An Indian Scenario
  • 5.1 Introduction
  • 5.2 Credit Growth Zooms
  • 5.3 Segments of Retail Lending
  • 5.4 Retail Credit: Geographical Spread (2005-06)
  • 5.5 Category Wise Distribution (2005-06)
  • 5.6 Comparing India with Global Peers (2005)
  • 5.7 Major Players and Their Market Share
  • 5.7.1 Icici A Leader among Private Banks with 34% Market Share
  • 5.7.2 Sbi Does The Catching up
  • 5.7.3 Geographic Dominance (2006-07)
  • 5.8 Recent Trends
  • 5.8.1 Changing Demographic Profile Drives The Growth
  • 5.8.2 Players' Response Aggressively tThe Changing Environment
  • 5.8.3 Npa Level Still Favourable
• 6. Housing Finance
  • 6.1 Introduction
  • 6.2 Industry Structure
  • 6.3 Housing Loan Disbursement Zooms
  • 6.4 Low Interest Rates Push up Home Loan Disbursement
  • 6.5 Banks Overtake Hfcs in Housing Loan Disbursements
  • 6.6 Banks Are Aggressive on Refinancing as Well
  • 6.7 Changing Age Profile of Borrowers
  • 6.8 Higher Loan-to-Value Ratio
  • 6.9 Size of Home Loan
  • 6.10outlook
  • 6.10.1 Housing Loan as Pe Rcentage of Gdp Will Touch 10% Soon
  • 6.10.2 Loan Disbursement Will Rise up tThe Demand6.10.3 Banks' Dominance in Funding Will Increase
  • 6.10.4 Rising Asset Prices and Frauds tPose Challenge
• 7. AutFinance
  • 7.1 Introduction
  • 7.2 Component-Wise Break-up
  • 7.3 Segment-Wise Analysis
  • 7.3.1 Cars
  • 7.3.2 Multi-Utility Vehicles
  • 7.3.3 Two-Wheeler Sales Crosses 7m
  • 7.4 Driving Factors
  • 7.4.1 Entry of Foreign Car Makers
  • 7.4.2 Cheaper Loans
  • 7.4.3 Reduction in Taxes & Duties
  • 7.5 Changing Business Dynamics
  • 7.6 Recent Trends
  • 7.6.1 Upgradation Is Helping AutFinancier
  • 7.6.2 Used Car Finance: Catching up Fast
  • 7.7 Major Challenges
  • 7.7.1 Sustaining The Growth Rate
  • 7.7.2 Need for Innovation
  • 7.7.3 Enhancement of Share of AutComponent in Global Trade
  • 7.8 Outlook
• 8. Consumer Durable Loans
  • 8.1 Introduction
  • 8.2 Consumer Durable Credit
  • 8.2.1 Geographical Spread and Market Share
  • 8.2.2 Category Wise Distribution
  • 8.3 Competition Pinches on Consumer Durable Credit Growth
  • 8.4 Innovations in Lending - Avenues for Growth
  • 8.5commercial Banks Are Aggressively Capturing Market
  • 8.6 Outlook
  • 9. Educational Loans
  • 9.1 Introduction
  • 9.2 Educational Loans Disbursement
  • 9.3 Driving Factors
  • 9.4 Major Challenge in Education Loan
  • 9.5 Outlook
• 10. Other Personal Loans
  • 10.1 Introduction
  • 10.2 Personal Loans: Geographical Spread and Market Share
  • 10.3 Personal Loans Category Wise Distribution
  • 10.4 Bank Lending Is Increasing
  • 10.5 Competition Propels Innovation
• 11. Credit Cards
  • 11.1 Introduction
  • 11.2 Growth: Card Volume Surges
  • 11.3 Major Players: WhLeads The Rally?
  • 11.3.1 Private Sector Banks Are More Aggressive
  • 11.3.2 Icici Bank Becomes Market Leader Due tAggressive Strategy
  • 11.4 Industry Spend
  • 11.5 Key Trends
  • 11.6 Techology Spend
  • 11.7 Role of Associations
  • 11.8 Outlook
• 12. Bancassurance
• 13. Regulatory Watch
  • 13.1 Introduction
  • 13.2 Micro, Small and Medium Enterprises Development (Msmed) Act, 2006
  • 13.3 Rbi Increases Crr (Cash Reserve Ratio)
  • 13.4 Housing Finance: Growing Incidence of Frauds
  • 13.5 Banks Can Issue Capital Instruments in Foreign Currency
  • 13.6 Basel Ii Adoption May Be Deferred
  • 13.7 Statutory Pre-Emptions
  • 13.8. Simplification of The Procedures and Processes for Obtaining Agricultural Loans
  • 13.9. Technical Group for Review of Legislations on Money Lending
  • 13.10. Outlook
• 14. Issues/Challenges tRetail Banking in India
  • 14.1 Introduction
  • 14.2 Mandate tIncrease Organic Revenue Growth through Superior Cross-Sell and Customer Retention
  • 14.3 Interest Rate Risk
  • 14.4 Issue of Money Laundering
  • 14.5 Competition in Retail Banking
  • 14.6 The Urge tMerge
  • 14.7 Impact of Basel-Ii Norms
  • 14.8 Objection tOutsourcing
  • 14.9 Imbalance in Bank C-D & I-D Ratio
  • 14.10 Competition from Mutual Funds
  • 14.11 Mobilisation of Cheap Deposits
  • 14.12 Conclusion
• 15. The Future
  • 15.1 Refocus Customer Relationships through Technology and Innovation
  • 15.2 Enterprise Crm in Retail Banking
  • 15.3 Fresh Frontiers in Retail Operations
  • 15.4 MicrFinance- An Emerging Opportunity
  • 15.5 Budding Opportunities in Non-Agricultural Rural Credit
  • 15.6 The Shape of Things tCome
  • 15.7 Conclusion
• 16. Major Bank Profiles
  • 1. Andhra Bank
  • 2. Axis Bank
  • 3. Bank of Baroda
  • 4. Bank of India5. Canara Bank
  • 6. Centurion Bank of Punjab
  • 7. Central Bank of India
  • 8. Citibank
  • 9. Deutsche Bank
  • 10. Hdfc Bank
  • 11. Hsbc
  • 12. I D B I (Industrial Development Bank of India)
  • 13. Indian Bank
  • 14. Indian Overseas Bank
  • 15. Icici Bank
  • 16. Ing Vysya Bank
  • 17. Jammu & Kashmir Bank Ltd.
  • 18. Saraswat Co-Operative Bank Ltd.
  • 19. State Bank of India
  • 20. Syndicate Bank
  • 21. Union Bank of India
  • 22. UcBank
• 17. References
• List of Charts:
  • 3.2 Global Banking Assets
  • 3.3 Provisioning Expenses (as A % of Total Average Assets)
  • 3.6.1.1 US Credit Growth
  • 3.6.2 Household Credit Growth in EurAreas
  • 3.7.2.1 Retail Penetration (as A % of Gdp)
  • 3.7.2.2 Market Loan Penetration (as A % of Gdp)
  • 3.7.2.3 Market Loan Penetration (as A % of Gdp)
  • 3.7.2.4 Origin of Expected Profit Growth
  • 3.7.2.5 Origin of Expected Revenue Growth
  • 3.7.3 Household Debt in EurAreas, UK & US
  • 4.4 Growth in Major Aggregates of Scbs
  • 4.4.1.1 Growth in Bank Deposits
  • 4.4.1.2 Growth in Bank Credits
  • 4.4.2 Movement of Headline Inflation during Fiscal 2006-07
  • 4.4.4 Composition of Indian Banking System
  • 4.7 Assets Held by Different Banking Groups
  • 5.2.1 Segment Loan Growth Rate
  • 5.2.2 Retail Finance Growth in 2006-07
  • 5.3 Retail Loan Segmental Share in 2006-07
  • 5.4.1 Retail Credit Distribution
  • 5.4.2 Retail Credit vs. Total Credit
  • 5.5.1 Category Wise Distribution of Retail Credits in Nos
  • 5.5.2 Gender Wise Distribution of Retail Credit
  • 5.5.3 Distribution of Retail Credit as per Amount
  • 5.5.4 Distribution of Retail Credit in Numbers
  • 5.6.1 Loan as A Percentage of Gdp
  • 5.6.2 Consumer Loans/ Total Loans
  • 5.6.3 Mortgages/ Gdp
  • 5.6.4 Credit Card/ Population
  • 5.6.5 Other Retail Loans/ Gdp
  • 5.7.1 Market Share of Banks Based on Retail Disbursement (as on March 31, 2007)
  • 5.7.3.1.1 Retail Credit Market Share (All India)
  • 5.7.3.1.2 Retail Credit Market Share (Metropolitan)
  • 5.7.3.2.1 Retail Credit Market Share Region Wise (Urban, Semi-Urban and Rural)
  • 5.8.1.1 Building An Affluent Customer Group
  • 5.8.1.2 Trends in Urbanisation
  • 5.8.1.3 Demographic Transition
  • 5.8.3 Impaired Credit as A Percentage of Outstanding Loan
  • 6.3.1 Home Loan Disbursements
  • 6.4.1 Home Loan Distributions vs. Interest Rate
  • 6.5.1 Market Share 2001-02
  • 6.5.2 Market Share 2006-07
  • 6.9.1 Size Wise Classification of Housing Loan
  • 6.10.1 Projected Housing Loans as A Percentage of Gdp
  • 6.10.2 Projected Demand & Supply of Housing Finance
  • 6.10.3 Institution Wise Projected Growth in Housing Finance
  • 7.1 Share of Automobile Sector in Gdp
  • 7.2.1 AutFinance: Component and Their Estimated Market Share
  • 7.3.1.1 Growth Patterns in Cars & Muvs Production
  • 7.3.3.1 Industry Sales of Two-Wheelers
  • 7.4.2.1 Demand & Supply W.R.T. Interest Rate
  • 7.6.1.1 Estimated Car Finance Market in India
  • 8.2.1.1 Demographic Spread of Consume Durable Loan
  • 8.2.1.2 Market Share of Consumer Durable Loans (All India)
  • 8.2.1.3 Market Share of Consumer Durable Loans Region Wise (Semi-Urban, Rural, Urban and Metropolitan)
  • 8.2.2 Size Wise Market Share of Consumer Durable Loan
  • 8.3 Consumer Durable Industry Growth
  • 9.2.1 Education Loan Disbursement
  • 9.3.1 Education with Economy
  • 9.3.2 Total Number of Recognized Institute in India
  • 9.4.1 Number of Accounts and Amount Disbursed by Public Sector Banks
  • 10.2.1 Market Share of Other Personal Loan (All India)
  • 10.2.2 Market Share of Other Personal Loan (Rural)
  • 10.2.3 Market Share of Other Personal Loan (Semi-Urban)
  • 10.2.4 Market Share of Other Personal Loan (Semi-Urban)
  • 10.2.5 Market Share of Other Personal Loan (Urban)
  • 10.2.6 Market Share of Other Personal Loan (Metropolitan)
  • 10.3.1 Size Wise Market Share of Other Personal Loan
  • 10.3.2 Type Wise Market Share of Other Personal Loan
  • 11.2.1. Credit Cards Issued
  • 11.3.1.1 Analysis in Terms of Mnc, Private & Public Sector Players
  • 11.3.2.1 Market Share by No. of Cards as on Mar, 07
  • 11.3.2.2 Market Share by No. of Cards as on Mar, 08(E)
  • 11.4.1 Share in Spend for Fy07
  • 11.6.1 No. of Atms
  • 11.6.2 Retail Electronics and Card Based Payments in Terms of Value
  • 12.2 Various Stages of Bancassurance
  • 12.3.1 Distribution Models of Bancassurance in India
  • 12.3.2 Contribution of Bancassurance tTotal Premium Collected (Private Players)
  • 14.9.1 C-D & I-D Ratios of Scheduled Commercial Banks
  • 15.4.2 Number of Shgs (in '000)
  • 15.4.3 Bank Loans tShgs
  • 15.6.1 Credit Portfoliin Fy07
  • 15.6.1 Credit Portfoliin Fy10 (E)
• List of Tables:
  • 5.8.1 changing Consumer Demographics
  • 6.3 Growth Factors
  • 7.1 Indian Car Finance Industry: Snapshot
  • 7.5 Indian Automobile Finance Industry Transformation
  • 8.3 Expected Sales Growth in White Goods
  • 8.4 Obstacle in Consumer Durable Finance
  • 9.1 Educational Loans: Snapshot
  • 9.3 Factors Contributing tThe Growth of Education Loans
  • 10.1 Personal Loan: at A Glance
  • 11.1 Credit Card Statistics-Different Countries
  • 11.3.2 Position of Different Banks for Issuing Credit Cards
  • 12.3.2 List of Different Insurance Companies & Their Respective Banking Partners
  • 16.1: Major Banks and Their Retail Loan Book Position (Fy06 and Fy07)
  • 16.2: Andhra Bank at A Glance
  • 16.3: Axis Bank at A Glance
  • 16.4: Bank of Baroda at A Glance
  • 16.5: Bank of India at A Glance
  • 16.6: Canara Bank at A Glance
  • 16.7: Punjab National Bank at A Glance
  • 16.8: Central Bank of India at A Glance
  • 16.9: Citi Bank at A Glance
  • 16.10: Deutsche Bank at A Glance
  • 16.11: Hdfc Bank at A Glance
  • 16.12: Hsbc Bank at A Glance
  • 16.13: I D B I at A Glance
  • 16.14: Indian Bank at A Glance
  • 16.15: Indian Overseas Bank at A Glance
  • 16.16: Icici Bank at A Glance
  • 16.17: Ing Vysya Bank at A Glance
  • 16.18: Jammu & Kashmir Bank Limited at A Glance
  • 16.19: Saraswat Co-Operative Bank Ltd. at A Glance
  • 16.20: State Bank of India at A Glance
  • 16.21: Syndicate Bank at A Glance
  • 16.22: Union Bank of India at A Glance
  • 16.23: UcBank at A Glance
• List of Figures:
  • Figure 4.6: Key Business Segments in SCBs
  • Figure 6.2: Key Business Segments in NHB
  • Figure 12.2: Various Stages of Bancassurance
• List of Abbreviations:
  • ACMA AutComponent Manufacturers Association Bisbank of International Settlement Cagrcompounded Annual Growth Rate Cibil Credit Information Bureau of India Ltd C-D Ratiocredit Deposit RatiCrm Customer Relationship Management Ftasfree Trade Agreementsfyfinancial Year Hfcs Housing Finance Companies Ipdiinnovative Perpetual Debt Instruments Gdp Gross Domestic Product I-D RatiInvestment Deposit RatiM Million Mfis MicrFinance Institutions Muvs Multi Utility Vehicles Nbfcs Non-Banking Financial Companies Nhb National Housing Bank Oems Original Equipment Manufacturers POS Point of Sales Psbs Public Sector Banks Rsv Retail Sales Volume Scb Scheduled Commercial Banks Shgs Self Help Groups TN Trillion VCFs Venture Capital Funds WtWorld Trade Organisation