Indian Retail Banking Sector Analysis (2006)

RNCOS E-Services Private Limited, November 2006, Pages: 75

The “Indian Retail Banking Sector Analysis (2006)”, report provides extensive research and objective analysis on the growing retail banking industry, its product quality, and services in India. This report helps clients to analyze the leading-edge opportunities critical to the success of the retail banking Industry in India. Detailed data and analysis helps investors, financial service providers, and global banking players navigate through the evolving banking industry in India.

Key Findings

-Marketing issues may be the key focus for the Global players entering in Indian market because of the nature of Indian retail banking market requires new entrant to have to devise marketing programs to establish and enhance brand awareness, which in turn will help the new entrant to show its presence and help to create a niche for them.
-India's retail-banking assets size is expected to grow at the rate of 18% a year over the next four years (2006-2010).
-Retail loan to drive the growth of retail banking in future.
-Housing loan accounts for a major chunk of retail loan.

Key Issues and Facts Analyzed

- What does the competitive market landscape look like for the Indian Retail Banking Industry?
-How do the services drive the Retail-banking Sector in India?
-How do the demographic factors, personalized loans and credit quality programs drive the market?
-What are the various opportunities and challenges before this industry?
-What are the India-specific retail banking strategies for foreign players?

Key Products Analyzed

Key products analyzed in this report include: Deposits, Retail credit, Credit Cards, Debit Card, Internet Banking, and ATM facility.

Key Players Analyzed

This section provides an overview, and key facts of several key players like Andhra Bank, State Bank of Mysore, Allahabad Bank, Vijaya Bank, Punjab National Bank, HDFC Bank, UTI Bank, ICICI Bank, Kotak Mahindra Bank, Centurion Bank Of Punjab, Citibank, Standard, HSBC, ABILLION AMRO, American Express, and Dena Bank.

Research Methodology Used

Information Sources
Books, Newspapers, Trade Journals, and White papers, Industry portals, Government Agencies, and Trade associations, monitoring of Industry News and developments, and Access to more than 3000 paid databases.

Analysis Method
Ratio Analysis, Historical Trend Analysis, Linear Regression Analysis using software tools, Judgmental Forecasting, and Cause and Effect Analysis.

1. Analyst View

2. Research Overview

3. Worldwide Banking Scenario

3.1 Introduction
3.2 Worldwide Forecast (2006-2010)

4. Retail Banking Sector Worldwide

5. Retail Banking Sector in India

5.1 Introduction
5.2 Regulatory Framework and Recent Reforms
5.3 Retail Banking Scenario in India, 2005
5.3.1 Retail Deposits
5.3.2 Retail Loans

6. Retail Banking Products and Services

6.1 Deposits
6.2 Retail Loans
6.3 Credit Cards
6.4 Debit Cards
6.5 ATM Outlets
6.6 Life Insurance
6.7 Mutual Funds

7. Driving Forces for Retail Banking Service in India

8. Opportunities & Challenges for Retail Banking Sector in India

8.1 Opportunities
8.2 Challenges

9. Retail Banking Strategy of India for Foreign Players

10. Future Outlook for Retail Banking Sector in India

11. Major Players in Retail Banking Industry

11.1 Top Performing Public Sector Banks
11.1.1 Andhra Bank
11.1.2 State Bank of Mysore
11.1.3 Allahabad Bank
11.1.4 Vijaya Bank
11.1.5 Punjab National Bank
11.1.6 Dena Bank
11.2 Top Performing Private Sector Banks
11.2.1 HDFC Bank
11.2.2 UTI Bank
11.2.3 ICICI Bank
11.2.4 Kotak Mahindra Bank
11.2.5 Centurion Bank of Punjab
11.3 Top Performing Foreign Banks
11.3.1 Citibank
11.3.2 Standard Chartered Plc.
11.3.3 HSBC Bank
11.3.4 ABILLION AMRO Bank
11.3.5 American Express

Table 3-1: Worldwide - Market Value of Banking Industry Group (in Billion US$), 2001-2005
Table 5-1: Financial Services - Before & After Liberalization
Table 5-2: India - Retail Lending as % of Total Lending (2004 & 2005)
Table 5-3: India - Retail Portfolio of Scheduled Commercial Banks (in Rs Crore), 2004 & 2005
Table 6-1: India - Top 3 Players in Terms of Deposit (in Rs Crore), 2004-2006
Table 6-2: India - Banking Retail Loans (in Rs Crore), 2004 & 2005
Table 6-3: India - Credit Card Base of Banks (in Million), 2006
Table 6-4: India - Debit Card Base of Banks (in Million), 2005
Table 6-5: India - ATM Base of Banks, 2005
Table 6-6: India - Life Insurance Business of Banks (in Rs Crore), 2004 & 2005
Table 6-7: India - Public Sector Banks & Insurance Companies
Table 6-8: India - Banking Mutual Fund Business (in Rs Crore), 2004 & 2005
Table 11-1: Andhra Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-2: State Bank of Mysore - Key Financial Information (in Rs Crore), March 2006
Table 11-3: Allahabad Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-4: Vijaya Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-5: Punjab National Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-6: Dena Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-7: HDFC Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-8: UTI Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-9: ICICI Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-10: Kotak Mahindra Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-11: Centurion Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-12: Citi Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-13: Standard Chartered Plc. - Key Financial Information (in Rs Crore), March 2006
Table 11-14: HSBC - Key Financial Information (in Rs Crore), March 2006
Table 11-15: ABILLION AMRO Bank - Key Financial Information (in Rs Crore), March 2006
Table 11-16: American Express Bank - Key Financial Information (in Rs Crore), March 2006

Figure 3-1: Worldwide - Banking Industry Group Segmentation by Region (%), 2005
Figure 3-2: Worldwide - Forecast for Banking Industry (in Billion US$), 2006-2010
Figure 4-1: BRIC Countries - Growth in Retail Loans (in Billion US$), 2001-2005
Figure 5-1: India - Banking Sector Asset Growth (in Million US$), 2001-2005
Figure 5-2: India - Banking Sector Profit Growth (in Billion US$), 2000-2005
Figure 5-3: India - Share of Household Sector in Bank Deposits (%), 2000-2004
Figure 5-4: India - Percentage of Household Debt on GDP in comparison to Asian Economies (%), 2005
Figure 5-5: India - Growth in Retail Loans & Advances by Commercial Banks (%), 2004 & 2005
Figure 5-6: India - Growth in Retail Loan Categories (%), March 2005
Figure 6-1: India - Banking Sector Deposits (in Rs Crore), March 2004 to March 2006
Figure 6-2: India - Home Loan Portfolio of Six Largest Banks (in Billion US$), 2005 & 2006
Figure 6-3: India - Public Sector Banks Funding of SME (in Billion US$), 2004 & 2009
Figure 6-4: India - Average Industry Spending on Credit Cards (in Thousand Rs), 2003 & 2005
Figure 6-5: India - Credit Card Market Value (in Billion US$), 2005-2010E
Figure 7-1: India - Disposable Income (in Million US$), 2005-2010
Figure 7-2: India - Personal Disposable Income (in US$/Head), 2005-2010
Figure 8-1: India - Increase in Working Population (in Million), 2005 & 2010
Figure 10-1: BRIC Countries - Forecast for Retail Loans Value (in Billion US$), 2006-2009
Figure 10-2: India - Forecast for Banking Sector Asset Size Growth (in Billion US$), 2006-2010
Figure 10-3: India - Forecast of Credit Card Loan Market (in Billion US$), 2006-2009
Figure 11-1: Andhra Bank - Stock Performance Chart
Figure 11-2: Allahabad Bank - Stock Performance Chart
Figure 11-3: Vijaya Bank - Stock Performance Chart
Figure 11-4: Punjab National Bank - Stock Performance Chart
Figure 11-5: HDFC Bank - Stock Performance Chart
Figure 11-6: UTI Bank - Stock Performance Chart
Figure 11-7: ICICI Bank - Stock Performance Chart
Figure 11-8: Kotak Mahindra Bank - Stock Performance Chart
Figure 11-9: Citi Bank - Stock Performance Chart
Figure 11-10: Standard Chartered Plc. - Stock Performance Chart
Figure 11-11: HSBC Bank - Stock Performance Chart
Figure 11-12: ABILLION AMRO - Stock Performance Chart
Figure 11-13: American Express Bank - Stock Performance Chart

- State Bank of Mysore
- Punjab National Bank
- HDFC Bank
- UTI Bank
- ICICI Bank
- Citibank
- Standard Chartered PLC
- ABN AMRO Bank
- Andhra Bank
- Allahabad Bank
- Vijaya Bank
- Kotak Mahindra Bank
- Centurion Bank Of Punjab
- HSBC Bank
- Dena Bank

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