Retail Banking in India - The Comprehensive Industry Report

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Retail Banking in India - The Comprehensive Industry Report
Published on November 2009

Report Summary

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),

Retail Banking in India - The Comprehensive Industry Report Page 1/9


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
o Introduction
o Global banking assets touches US$96 tn
o Rising Bad debts and Provisions
o Profitability plummeted
o 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
o Recent trends
- Housing bubble collapsed
Indian Banking Industry
o Current Scenario
- Monetary and liquidity position: Relatively stable
' Bank deposits moving up
' Credit off take slows
Housing finance
o Housing loan disbursement: facing the heat from global slowdown



o 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
o 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
o 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
o Micro payment
Regulations
o Consumer credit, Home Loan, Education Loan, Auto Loans and their Risk weight exposures
o Credit card Norms
- Single overall limit to an individual
- KYC (know your customer) Norms
- Reporting to Credit Bureau
- Other harassment
o Micro Finance
- The Micro Financial sector (Development and Regulation) Bill, 2007
o Foreign Exchange Regulations
o Remittance Regulations
o Mobile Banking
Issues and challenges
o A paradigm shift from the monopolies of public sector banks to competitive banking
o Retail loan quality seen falling
o Tie-Up Arrangement
o Basel II Norms
o Growth In Retail Electronic Funds Transfer Systems
Future outlook
o Emerging trends in technology

Companies mentioned

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

Table of Content



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
7.3.3Two Wheeler sales touch 7.44 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
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. Banc assurance
12.1 Introduction 12.2 Changing Business Dynamics
12.3 Banc asssurance: 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
3.4.4. Reports to Credit Bureau
13.4.5 Other harassment
13.5. Micro Finance
13.5.1The 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



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Retail Banking in India - The Comprehensive Industry Report