Market Analysis: India Banking Update 2009 - Positioning for a Deeper Customer EngagementIDCAugust 23, 2009 20 Pages - SKU: IDC2424732 |
| Countries covered: India This Financial Insights report elaborates the key points discussed at the Financial Insights India Banking Roundtable. The roundtable forum is a part of a series of roundtables that Financial Insights organizes around the region. We consider the viewpoints of banks operating in India when it comes to adopting countercyclical strategies in combating the crisis, and examine the key technology imperatives undertaken in the context of a challenging operating environment. Shawn Yip, analyst, Financial Insights Asia/Pacific Banking Advisory Service, remarks, "There are signs that in the pursuit of business growth, Indian banks are adopting a mature approach to prioritizing asset quality over aggressive volume growth, with an eye on margin sustainability. This is especially visible in the personal lending space, where risk appetite has become more cautious, underwriting standards are tighter, and where a number of market players have begun to exit the unsecured lending space." Shawn also notes how a number of Indian banks have started to reap the benefits of recent investments in data cleansing, data mining, and data warehousing, and predictive and behavioral analytics, as well as process efficiencies as these capabilities are increasingly brought onto modernized core platforms. Shawn concludes, "While information security continues to pose a significant challenge in India, it is heartening to note that public and private sector Indian banks alike are actively investing in the effective management of data risk factors." |
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