India Banking Industry Report

 Published On: Apr, 2015 |    No of Pages: 36 |  Published By: Emerging Markets Direct | Format: PDF
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This report profiles India’s banking industry, discussing market trends through 2014 and outlook for 2015 and beyond. The report also highlights leading players in the sector including State Bank of India, HDFC Bank and ICICI Bank

The Indian banking industry saw a period of consistent growth during the last decade, with a consistent rise in the number of reporting offices, along with banks and their customers embracing robust systems and processes. With the Reserve Bank of India stressing the policy of financial inclusion, there has been a renewed emphasis on rural expansion.

The sector saw a story of two conflicting sides during 2014. On one hand, were the private sector banks which recorded a stable performance yet again in terms of profitability and asset quality; while on the other hand, were the public sector banks which continued their struggle with bad loans, declining margins and profitability woes. Industrial slowdown and sticky consumer price inflation created a hostile environment for the country’s banking sector during the first half of 2014. As a result, the Reserve Bank of India (RBI) did not cut the benchmark policy rates during the year. Although private banks were not much affected, most banks in the public sector felt the heat. The cost of servicing debt rose, leading to an increase in bad loans in the rate sensitive sectors. As a result, the profitability of nationalised players also suffered.

However, going forward in 2015, the economic fundamentals of the country might turn for the better. The recent decline in inflation to record low levels is expected to bring some recovery in the sector. The lower inflation might also induce rate cuts by RBI. The long-term outlook for the Indian banking sector is also stable backed by sound regulatory structure. Rising per capita income, growing urbanization and consistent economic growth will drive the growth of this sector in the years to come.

Key Points:

• During 2007-xx, the total assets of scheduled commercial banks grew at a CAGR of xx.x%. Public sector banks led by State Bank of India and its associates dominated the Indian banking system in terms of asset size, accounting for xx% of the total assets.

• Total credit disbursed by scheduled commercial banks grew at a CAGR of xx% during 2003-xx, while total deposits of scheduled commercial banks grew at a CAGR of xx% during 2003-xx.

• The asset quality of scheduled commercial banks, particularly public sector banks, has deteriorated during the last two years. A steep rise in interest rates together with industrial contraction led to a sharp increase in non-performing assets. Gross NPA ratio of SCBs grew from x.x% in FYxx to x.x% in FYxx.

• Gross bank credit grew by x.x% y/y in December 2014 compared to xx.x% y/y in December 2013. This was also lower than the long term credit growth trend. 

x. Industry Profile
x.x Sector overview
x.x Sector size
x.x Asset profile
x.x Liability profile
x.x Competitive landscape
x.x Environmental scanning

x. Market Trends and Outlook
x.x Key economic indicators-India
x.x Monetary policy
x.x Credit growth
x.x Deposit growth
x.x Capital adequacy
x.x Asset quality
x.x Profitability
x.x Market outlook

x. Leading Players and Comparative Matrix
x.x Leading Players
x.x.x State Bank of India (SBI)
x.x.x HDFC Bank Ltd (HDFC Bank)
x.x.x ICICI Bank Ltd (ICICI Bank)
x.x Comparative matrix
x.x SWOT analysis

x. Tables and Charts
Table x: List of major scheduled commercial banks operating in India
Table x: Priority sector lending targets and sub-targets
Table x: Basel III implementation draft guidelines issued by RBI
Table x: Key financial ratios of the leading players

Chart x: Number of reporting offices-All scheduled commercial banks
Chart x: Reporting offices by location
Chart x: Number of scheduled commercial banks in India
Chart x: Reporting offices by type of banks
Chart x: Total assets of the SCBs
Chart x: Asset share by type of banks
Chart x: Breakup of assets of SCBs
Chart x: Total advances disbursed by the SCBs
Chart x: Bank credit approved by sectors
Chart xx: Segment wise breakup of industrial loans
Chart xx: Segment wise breakup of service sector loans
Chart xx: Segment wise breakup of personal loans
Chart xx: Total investments done by SCBs
Chart xx: Breakup of investments done by SCBs
Chart xx: Breakup of liabilities of SCBs
Chart xx: Total deposits in SCBs
Chart xx: Type of deposits of SCBs
Chart xx: Ratio of savings deposit and term deposits to total deposits
Chart xx: India's top ten banks in terms of total assets
Chart xx: Changing demographics of India
Chart xx: Quarterly GDP growth rate-India
Chart xx: Average Monthly USD to INR Exchange Rate
Chart xx: Inflation-India
Chart xx: Repo rate
Chart xx: Cash reserve ratio
Chart xx: MSF rate
Chart xx: Y/Y growth in credit-Sector wise
Chart xx: Y/Y growth in credit-Segment wise
Chart xx: Deposits during last five years
Chart xx: Y/Y growth in deposits
Chart xx: Capital adequacy ratios of SCBs during last five years
Chart xx: Gross NPA ratio of SCBs
Chart xx: Banks with high Net NPA ratios
Chart xx: Net interest margins of SCBs
Chart xx: Return on assets of SCBs
Chart xx: Loans disbursed by SBI-Annual
Chart xx: Net interest margin of SBI
Chart xx: Asset quality of SBI
Chart xx: Loans disbursed by HDFC Bank-Annual
Chart xx: Net interest margin of HDFC Bank
Chart xx: Asset quality of HDFC Bank
Chart xx: Loans disbursed by ICICI Bank-Annual
Chart xx: Net interest margin of ICICI Bank
Chart xx: Asset quality of ICICI Bank

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