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Retail Banking In India

Published by: Cygnus Business Consulting and Research

Published: Jan. 1, 2008 - 127 Pages


Table of Contents


1. EXECUTIVE SUMMARY

2. HIGHLIGHTS

3. GLOBAL RETAIL BANKING SCENARIO

3.1 Introduction

3.2 Retail drives the global banking assets to touch USD65 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

3.7.3 Rising 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 to the 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

6.10 Outlook

6.10.1 Housing loan as pe rcentage of GDP will touch 10% soon

6.10.2 Loan disbursement will rise up to the demand

6.10.3 Banks’ dominance in funding will increase

6.10.4 Rising asset prices and frauds to pose challenge

7. Auto Finance

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 auto financier

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 auto component 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

8.5 Commercial 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: Who leads the Rally?

11.3.1 Private sector banks are more aggressive

11.3.2 ICICI Bank becomes market leader due to aggressive 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 to Retail Banking in India

14.1 Introduction

14.2 Mandate to increase 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 to merge

14.7 Impact of BASEL-II norms

14.8 Objection to outsourcing

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 Micro Finance- an emerging opportunity

15.5 Budding opportunities in Non-agricultural rural credit

15.6 The shape of things to come

15.7 Conclusion

16. MAJOR BANK PROFILES

1. Andhra Bank

2. Axis Bank

3. Bank of Baroda

4. Bank of India

5. 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. UCO Bank

17. REFERENCES

List of Charts:

Chart 3.2 Global banking assets

Chart 3.3 Provisioning expenses (as a % of total average assets)

Chart 3.6.1.1 US credit growth

Chart 3.6.2 Household credit growth in Euro areas

Chart 3.7.2.1 Retail penetration (as a % of GDP)

Chart 3.7.2.2 Market loan penetration (as a % of GDP)

Chart 3.7.2.3 Market loan penetration (as a % of GDP)

Chart 3.7.2.4 Origin of expected profit growth

Chart 3.7.2.5 Origin of expected revenue growth

Chart 3.7.3 Household debt in Euro areas, UK & US

Chart 4.4 Growth in major aggregates of SCBs

Chart 4.4.1.1 Growth in bank deposits

Chart 4.4.1.2 Growth in bank credits

Chart 4.4.2 Movement of headline inflation during fiscal 2006-07

Chart 4.4.4 Composition of Indian Banking System

Chart 4.7 Assets held by different banking groups

Chart 5.2.1 Segment loan growth rate

Chart 5.2.2 Retail finance growth in 2006-07

Chart 5.3 Retail loan segmental share in 2006-07

Chart 5.4.1 Retail credit distribution

Chart 5.4.2 Retail credit vs. total credit

Chart 5.5.1 Category wise distribution of retail credits in Nos

Chart 5.5.2 Gender wise distribution of retail credit

Chart 5.5.3 Distribution of retail credit as per amount

Chart 5.5.4 Distribution of retail credit in numbers

Chart 5.6.1 Loan as a percentage of GDP

Chart 5.6.2 Consumer loans/ Total loans

Chart 5.6.3 Mortgages/ GDP

Chart 5.6.4 Credit card/ Population

Chart 5.6.5 Other retail loans/ GDP

Chart 5.7.1 Market share of banks based on retail disbursement (as on March 31, 2007)

Chart 5.7.3.1.1 Retail credit market share (all India)

Chart 5.7.3.1.2 Retail credit market share (Metropolitan)

Chart 5.7.3.2.1 Retail credit market share Region wise (Urban, Semi-urban and Rural)

Chart 5.8.1.1 Building an affluent customer group

Chart 5.8.1.2 Trends in urbanisation

Chart 5.8.1.3 Demographic transition

Chart 5.8.3 Impaired credit as a percentage of outstanding loan

Chart 6.3.1 Home loan disbursements

Chart 6.4.1 Home loan distributions vs. interest rate

Chart 6.5.1 Market share 2001-02 Chart 6.5.2 Market share 2006-07

Chart 6.9.1 Size wise classification of housing loan

Chart 6.10.1 Projected housing loans as a percentage of GDP

Chart 6.10.2 Projected demand & supply of housing finance

Chart 6.10.3 Institution wise projected growth in housing finance

Chart 7.1 Share of automobile sector in GDP

Chart 7.2.1 Auto finance: Component and their estimated market share

Chart 7.3.1.1 Growth patterns in cars & MUVs production

Chart 7.3.3.1 Industry sales of two-wheelers

Chart 7.4.2.1 Demand & supply w.r.t. interest rate

Chart 7.6.1.1 Estimated car finance market in India

Chart 8.2.1.1 Demographic spread of consume durable loan

Chart 8.2.1.2 Market share of consumer durable loans (all India)

Chart 8.2.1.3 Market share of consumer durable loans Region wise (semi-urban, Rural, urban and metropolitan)

Chart 8.2.2 size wise market share of consumer durable loan

Chart 8.3 Consumer durable industry growth

Chart 9.2.1 Education loan disbursement

Chart 9.3.1 Education with economy

Chart 9.3.2 Total number of recognized institute in India

Chart 9.4.1 Number of accounts and amount disbursed by public sector banks

Chart10.2.1 Market share of other personal loan (all India)

Chart10.2.2 Market share of other personal loan (Rural)

Chart10.2.3 Market share of other personal loan (Semi-urban)

Chart10.2.4 Market share of other personal loan (Semi-urban)

Chart10.2.5 Market share of other personal loan (Urban)

Chart10.2.6 Market share of other personal loan (Metropolitan)

Chart 10.3.1 Size wise market share of other personal loan

Chart 10.3.2 Type wise market share of other personal loan

Chart 11.2.1. Credit cards issued

Chart 11.3.1.1 Analysis in terms of MNC, private & public sector players

Chart 11.3.2.1 Market share by no. of cards as on Mar, 07

Chart 11.3.2.2 Market share by no. of cards as on Mar, 08(e)

Chart 11.4.1 Share in spend for FY07 Chart 11.6.1 No. of ATMs

Chart 11.6.2 Retail electronics and card based payments in terms of value

Chart 12.2 Various Stages of Bancassurance

Chart 12.3.1 Distribution Models of Bancassurance in India

Chart 12.3.2 Contribution of Bancassurance to total premium collected (Private players)

Chart14.9.1 C-D & I-D ratios of scheduled commercial banks

Chart 15.4.2 Number of SHGs (in '000)

Chart 15.4.3 Bank loans to SHGs

Chart 15.6.1 Credit portfolio in FY07

Chart 15.6.1 Credit portfolio in FY10 (e)


List of tables:

Table 5.8.1Changing consumer demographics

Table 6.3 Growth factors

Table 7.1 Indian Car Finance Industry: Snapshot

Table 7.5 Indian Automobile Finance Industry Transformation

Table 8.3 Expected sales growth in White goods

Table 8.4 Obstacle in consumer durable finance

Table 9.1 Educational Loans: Snapshot

Table 9.3 Factors contributing to the growth of education loans

Table 10.1 Personal Loan: At a glance

Table 11.1 Credit card statistics-different countries

Table 11.3.2 Position of different banks for issuing credit cards

Table 12.3.2 List of different insurance companies & their respective banking partners

Table 16.1: Major Banks and Their Retail Loan Book Position (FY06 and FY07)

Table 16.2: Andhra Bank at a glance

Table 16.3: Axis Bank at a glance

Table 16.4: Bank of Baroda at a glance

Table 16.5: Bank of India at a glance

Table 16.6: Canara Bank at a glance

Table 16.7: Punjab National Bank at a glance

Table 16.8: Central Bank of India at a glance

Table 16.9: Citi Bank at a glance

Table 16.10: Deutsche Bank at a glance

Table 16.11: HDFC Bank at a glance

Table 16.12: HSBC BANK at a glance

Table 16.13: I D B I at a glance

Table 16.14: Indian Bank at a glance

Table 16.15: Indian Overseas Bank at a glance

Table 16.16: ICICI BANK at a glance

Table 16.17: ING Vysya Bank at a glance

Table 16.18: Jammu & Kashmir Bank Limited at a glance

Table 16.19: Saraswat Co-Operative Bank Ltd. at a glance

Table 16.20: State Bank of India at a glance

Table 16.21: Syndicate Bank at a glance

Table 16.22: Union Bank of India at a glance

Table 16.23: UCO Bank 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 Auto Component Manufacturers Association BISBank of international Settlement CAGRCompounded Annual Growth Rate CIBIL Credit Information Bureau of India Ltd C-D RatioCredit Deposit Ratio CRM Customer Relationship Management FTAsFree Trade AgreementsFYFinancial Year HFCs Housing Finance Companies IPDIInnovative Perpetual Debt Instruments GDP Gross Domestic Product I-D Ratio Investment Deposit Ratio m Million MFIs Micro Finance 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 WTO World Trade Organisation

Abstract

The annual growth in bank credit to the commercial sector is at 25.4% as on March 31, 2007 and was lower than 27.2% against previous year.Till 2010, retail banking is expected to grow at a CAGR of 28% to touch a figure of INR9,700 billion.This requires expansion and diversification of retail product portfolio, better penetration and faster service mechanism

The report on Retail Banking Industry in India covers industry segments like housing loan, auto loan, personal loan, education loan, consumer durable loan, credit card and regulatory frame work for retail banks is also discussed. The report gives retail banking industry’s current performance and future outlook. Total 22 major retail banks in India are covered in terms of their performance, strategy and outlook.

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