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Published by: Espicom Healthcare Intelligence
Published: Nov. 1, 2009 - 197 Pages
Table of Contents
- Executive Summary Highlights
- 3. Global Banking Industry
- 3.1 Introduction
- 3.2 Global banking assets surpasses US$90 trillion
- 3.3 Rising bad debt and provisions
- 3.4. Profitability plummets
- 3.5 Increased emphasis on fee-based and treasury 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 focus on reducing losses
- 3.7.3 Housing bubble collapses
- 4. Indian Banking Industry
- 4.1 Introduction
- 4.2 Evolution
- 4.3 Reforms galore
- 4.4 Current Scenario
- 4.5 Geographic Spread
- 4.6 Key Business Segments
- 4.7. Trends in Indian Banking Industry
- 4.7.1 Monetary and liquidity position: Relatively stable
- 4.7.2 Growth of Credit Market declines
- 4.7.3 Inflationary pressure subsides
- 4.7.4. Public sector banks continue to dominate
- 5. Retail Banking
- 5.1. Introduction
- 5.2. Credit growth
- 5.3. Segments of retail lending
- 5.4. Retail Credit: Geographical Spread
- 5.5. Category wise Distribution
- 5.6. Comparing India with global peers
- 5.7. Major players and their market share
- 5.7.1. SBI leads with 19% market share
- 5.7.2. ICICI to catch up other banks
- 5.7.3. Geographic dominance
- 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 credit cards and Consumer loans are major concerns
- 6. Housing Finance
- 6.1. Introduction
- 6.2. Industry Structure
- 6.3. Housing Finance Allocation
- 6.4. Housing loan disbursement:
- 6.5. Lowering interest rates push up home loan disbursement
- 6.6. Housing Loan: Demand and Supply Drivers
- 6.7. Banks overtake HFCs in housing loan disbursements
- 6.8. Banks are aggressive on Refinancing
- 6.9. Changing age profile of borrowers
- 6.10. Higher loan-to-value ratio
- 6.11. Size of Home Loans
- 6.12. Outlook
- 6.12.1. Rising Home Loans as percentage of GNP
- 6.12.2. Price correction may be a possible in the near future
- 7. AUTO FINANCE
- 7.1 Introduction:
- 7.2 Segment-wise auto-finance
- 7.3 Industry Segment-wise analysis
- 7.3.1 Cars
- 7.3.2 Multi-Utility Vehicles
- 7.3.3 Two Wheeler sales touch
- 7.4 4 million.
- 7.4 Driving Factors
- 7.4.1 Entry of Foreign Car Makers
- 7.4.2 Cheaper Loans Off take
- 7.4.3 Reduction in Taxes & Duties
- 7.4.4 Changing Business Dynamics
- 7.5 Indian Automobile Finance Industry Transformation
- 7.6 Recent Trends
- 7.6.1. Recession halts the growth of the market
- 7.6.2 Used Car Financing
- 7.6.3. Auto companies tie-up with PSU Banks
- 7.7 Major Challenges
- 7.7.1 Sustaining the growth rate
- 7.7.3. Finding a solution to slowdown in exports and manufacturing activities
- 7.7.4 Integrating the entire supply chain and managing inbound logistics
- 7.7.5 Managing Poor Monsoons
- 7.7.6 Maintaining the pace of infrastructure development
- 7.8 Outlook
- 8. Consumer Durable Finance
- 8.1 Introduction
- 8.2 Consumer durables 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 aggressively capturing market
- 8.6 Outlook
- 9. Education 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: Market share and size wise classification
- 10.3. Increase in Bank lending
- 10.4. Competition propels innovation
- 11. Credit cards
- 11. Credit cards
- 11.1 Introduction
- 11.1.1. Size and growth
- 11.2 Growth: Card volume surges
- 11.3 Competition and Major Players: ICICI banks Rally
- 11.4 Industry Spend
- 11.5 Key Trends
- 11.5.1. Cut throat competition
- 11.5.2. Infrastructural challenges could soon become irrelevant
- 11.5.3. Smarter Debit/Credit Card
- 11.5.4. Prepaid cards on the horizon
- 11.5.5. Demand for premium and co-brand cards
- 11.5.6. ATM outsourcing
- 11.6 Technology Spend
- 11.6.1 Mobile Wallets
- 11.7 MICROPAYMENTS
- 11.8 Role of Associations
- 11.9 Default in Credit card
- 11.10 Outlook
- 12. Bancassurance
- 12.1 Introduction
- 12.2 Changing Business Dynamics
- 12.3 Bancasssurance: Indian Scenario
- 12.4 Issues and challenges
- 12.5 Driving Factors
- 12.5 Outlook
- 13. Regulations
- 13.1. Introduction
- 13.2. Consumer credit, Home Loan, Education Loan, Auto Loans and their Risk weight exposures
- 13.3. Housing finance: Growing incidence of frauds
- 13.4. Credit card Norms
- 13.4.1. Single overall limit for each individual
- 13.4.2. KYC (know your customer) Norms
- 13.4.3. Recovery of retail loans
- 13.4.4. Reports to Credit Bureau
- 13.4.5 Other harassment
- 13.5. Micro Finance
- 13.5.1 The Micro Financial sector (Development and Regulation) Bill, 2007
- 13.6. Foreign Exchange Regulations
- 13.7. Remittance Regulations
- 13.8. Mobile Banking
- 14. Issues/Challenges of Retail Banking in India
- 14.1 Introduction
- 14.2 A paradigm shift from the monopolies of public sector banks to competitive banking
- 14.3 Interest rate risk
- 14.4 Issue of money laundering
- 14.5 Competition in retail banking
- 14.6 Retail loan quality is falling
- 14.7 Tie-Up Arrangement
- 14.8 Basel II Norms
- 14.9 Growth in Retail Electronic Funds Transfer Systems
- 14.10 Imbalance in bank credit-deposit & investment-deposit ratio
- 14.11 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
- 15.4.1. Self-Help Group (SHG) - Bank Linkage Programme
- 15.5 Budding opportunities in Non-agricultural rural credit
- 15.6 The shape of things to come
- 15.7. Emerging trends in technology
- 15.8 Conclusion
- 16. Major Banks Profiles
- 1. Andhra Bank
- 2. AXIS Bank
- 3. Bank of Baroda
- 4. Bank of India
- 5. Canara Bank
- 6. Citibank
- 7. Central Bank of India
- 8. Deutsche Bank
- 9. HDFC Bank
- 10. HSBC
- 11. Indian Overseas Bank
- 12. ICICI Bank
- 13. I D B I (Industrial Development Bank Of India)
- 14. Indian Bank
- 15. ING Vysya Bank
- 16. Jammu & Kashmir Bank Ltd.
- 17. State Bank of India
- 18. Saraswat Co-Operative Bank Ltd.
- 19. Syndicate Bank
- 20. UCO Bank
- 21. Union Bank of India
AbstractUse this report to…
Understand how retail industry is growing
What are strategies taken by retail bank companies and their comparison thereof?
and much more……
INTRODUCTION
Retail banking in India has fast emerged as one of the major drivers of the overall banking industry and has witnessed enormous growth in the recent past. The Retail Banking Report encompasses extensive study & analysis of this rapidly growing sector. It primarily covers analysis of the present status, current trends, major issues & challenges in the growth of the retail banking sector. This report helps in Banks, financial institutions, MNC Banks, academicians, consultants and researchers to have a better understanding of the booming opportunities in retail banking in India.
MAJOR FINDINGS
With recession departing away from away global economy, opportunities are slowly emerging in emerging markets. Since emerging markets, except China, were less depending upon US for growth; are first to come out of recession eclipse. Growth opportunities in banking, especially retail segment is set to witness fast growth due to high consumption. The higher growth of retail lending in emerging economies is attributable to fast growth of personal wealth, favourable demographic profile, rapid development in information technology, the conducive macro-economic environment, financial market reforms, and several micro-level supply side factors.
The retail banking strategies of banks are undergoing major transformation, as banks adopt a mix of strategies like organic growth, acquisitions and alliances. This has resulted in a paradigm shift in the marketing strategies of the banks. Public Sector Banks players are adopting aggressive strategies, leveraging their rural branch network and their customer vase to earn a larger share of the retail pie. Banks are also going in for innovative strategies like cross selling, packaged selling of retail products and technology based banking. At the same time, new foreign players are also entering this high growth sector
POINTS DISCUSSED
- Global retail banking vis-à-vis Indian scenario
- Indian retail banking overview
- What are the regulatory factors involved in Indian banking industry
- How interest rate risks, money laundering, and outsourcing are affecting the performance of banking sector?
- What would be the impact of Basel-II norms in Indian banking industry?
- What are the implications of SARFESI Act on recovery of money?
- How the banking industry would combat the competition from upcoming sectors like mutual funds?
- What are the various issues and challenges before this industry?
- What are strategies taken by retail bank companies and their comparison thereof?
PLAYERS PROFILED
The report contains major profiles of - Andhra Bank, AXIS Bank, Bank of Baroda, Bank of India, Canara Bank, Citibank, Central Bank of India, Deutsche Bank, HDFC Bank, HSBC, Indian Overseas Bank, ICICI Bank, I D B I (Industrial Development Bank Of India), Indian Bank, ING Vysya Bank, Jammu & Kashmir Bank Ltd, State Bank of India, Saraswat Co-Operative Bank Ltd, Syndicate Bank, UCO Bank and Union Bank of India
PRODUCTS ANALYSED
- Indian retail credit
- Housing finance
- Auto finance
- Consumer durable loan
- Educational loan
- Other personal loans
- Credit cards
- Bancassurance
FOR WHOM
- Banks, Financial institutions
- MNC Banks
- Academicians
- Consultants
- Researchers
RESEARCH METHODOLOGY
The data used, extensively draws from the in-house and proprietary sources available at Cygnus as our research team regularly tracks the sector. The other sources include Bank for International Settlements (BIS), Reserve Bank of India, Banking related Journals, and Research papers, Industry portals, Government Agencies, and Trade associations, monitoring of Industry News and developments etc. The data has been cross-checked by the research team and validated to provide the latest and unambiguous information.
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