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Retail Banking in India - The Comprehensive Industry Report
CYGNUS Business Consulting & Research, Nov 2009, Pages: 197
Use 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.
ADDITIONS IN THE EDITION
Global Banking Scenario
Introduction
Global banking assets touches US$96 tn
Rising Bad debts and Provisions
Profitability plummeted
Region wise analysis
- US
-- Rising defaults and slowdown affects overall credit
- Europe
-- Credit growth dips in European banks
- Asia Pacific
-- Japan find opportunity in serving baby boomers
-- Asia pacific outperforms than developed economies
Recent trends
- Housing bubble collapsed
Indian Banking Industry
Current Scenario
- Monetary and liquidity position: Relatively stable
-- Bank deposits moving up
-- Credit off take slows
Housing finance
Housing loan disbursement: facing the heat from global slowdown
Major Challenges
- Managing volatility in metal and oil prices and in exchange rates
- Finding a solution to slowdown in exports and manufacturing activities
- Integrating the entire supply chain and managing inbound logistics
- Managing Poor Monsoons
- Maintaining the pace of infrastructure development
Credit cards
Key Trends
- Infrastructural challenges could soon become irrelevant
- EMV issuance is still far away
- Prepaid Cards on the horizon
- Demand for premium and co-brand cards
- Full ATM outsourcing
Techology Spend
- Spread of ATMs—primary concern for banks
- Cards being a strong alternative to cash payments
- Internet banking – emergence of new era in personal banking
Micro payment
Regulations
Consumer credit, Home Loan, Education Loan, Auto Loans and their Risk weight exposures
Credit card Norms
- Single overall limit to an individual
- KYC (know your customer) Norms
- Reporting to Credit Bureau
- Other harassment
Micro Finance
- The Micro Financial sector (Development and Regulation) Bill, 2007
Foreign Exchange Regulations
Remittance Regulations
Mobile Banking
Issues and challenges
A paradigm shift from the monopolies of public sector banks to competitive banking
Retail loan quality seen falling
Tie-Up Arrangement
Basel II Norms
Growth In Retail Electronic Funds Transfer Systems
Future outlook
Emerging trends in technology
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