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您的位置：佐思研究报告和竞争情报网>>研究报告交易平台>>公共服务>>金融银行 |
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印度零售银行研究报告——Retail Banking In India
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纸介版价格：美元/篇
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字数：万字
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电子版价格：700美元/篇
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页数：127页 |
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纸介版+电子版价格：美元
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图表数：个
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完成日期：2008-05-22
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关键字： 零售银行|Retail Banking |
联系方式：
北京：010-51266615 010-82863480/1/2/5 传真:010-82863486 上海：021-64871266 021-64872612 传真:021-64872324
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发布时间：2008.01
摘要
The annual growth in bank credit to the commercial sector is at 25.4% as on March 31, 2007 and was lower than 27.2% against previous year.Till 2010, retail banking is expected to grow at a CAGR of 28% to touch a figure of INR9,700 billion.This requires expansion and diversification of retail product portfolio, better penetration and faster service mechanism
The report on Retail Banking Industry in India covers industry segments like housing loan, auto loan, personal loan, education loan, consumer durable loan, credit card and regulatory frame work for retail banks is also discussed. The report gives retail banking industry’s current performance and future outlook. Total 22 major retail banks in India are covered in terms of their performance, strategy and outlook.
目录及图表
- 1. EXECUTIVE SUMMARY
- 2. HIGHLIGHTS
- 3. GLOBAL RETAIL BANKING SCENARIO
- 3.1 Introduction
- 3.2 Retail drives the global banking assets to touch USD65 trillion
- 3.3 Declining bad debt and provisions
- 3.4.Profitability improves
- 3.5 Increased emphasis on fee-based 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 focusing on revenue growth
- 3.7.3 Rising consumer debt causes concern
- 4.INDIAN BANKING INDUSTRY
- 4.1 Introduction
- 4.2 Evolution
- 4.3 Reforms galore
- 4.4 Current Status
- 4.4.1 Monetary and liquidity position: Relatively stable
- 4.4.2 Inflationary pressure decreases
- 4.4.3 Credit Market
- 4.4.4 Composition of Indian banking system in 2007
- 4.5 Geographic Spread
- 4.6 Key Business Segments
- 4.7 Public sector banks are still leading…
- 5. Retail Banking - An Indian Scenario
- 5.1 Introduction
- 5.2 Credit growth zooms
- 5.3 Segments of retail lending
- 5.4 Retail Credit: Geographical Spread (2005-06)
- 5.5 Category wise Distribution (2005-06)
- 5.6 Comparing India with global peers (2005)
- 5.7 Major players and their market share
- 5.7.1 ICICI a leader among private banks with 34% market share
- 5.7.2 SBI does the catching up
- 5.7.3 Geographic dominance (2006-07)
- 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 still favourable
- 6. Housing Finance
- 6.1 Introduction
- 6.2 Industry Structure
- 6.3 Housing loan disbursement zooms
- 6.4 Low interest rates push up home loan disbursement
- 6.5 Banks overtake HFCs in housing loan disbursements
- 6.6 Banks are aggressive on Refinancing as well
- 6.7 Changing age profile of borrowers
- 6.8 Higher loan-to-value ratio
- 6.9 Size of Home Loan
- 6.10 Outlook
- 6.10.1 Housing loan as pe rcentage of GDP will touch 10% soon
- 6.10.2 Loan disbursement will rise up to the demand
- 6.10.3 Banks’ dominance in funding will increase
- 6.10.4 Rising asset prices and frauds to pose challenge
- 7. Auto Finance
- 7.1 Introduction
- 7.2 Component-wise break-up
- 7.3 Segment-wise analysis
- 7.3.1 Cars
- 7.3.2 Multi-utility Vehicles
- 7.3.3 Two-wheeler sales crosses 7m
- 7.4 Driving factors
- 7.4.1 Entry of foreign car makers
- 7.4.2 Cheaper loans
- 7.4.3 Reduction in Taxes & Duties
- 7.5 Changing Business dynamics
- 7.6 Recent Trends
- 7.6.1 Upgradation is helping auto financier
- 7.6.2 Used Car Finance: Catching up fast
- 7.7 Major Challenges
- 7.7.1 Sustaining the growth rate
- 7.7.2 Need for innovation
- 7.7.3 Enhancement of share of auto component in global trade
- 7.8 Outlook
- 8. Consumer Durable Loans
- 8.1 Introduction
- 8.2 Consumer durable 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 are aggressively capturing market
- 8.6 Outlook
- 9. Educational 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: Geographical spread and Market share
- 10.3 Personal Loans Category wise Distribution
- 10.4 Bank lending is increasing
- 10.5 Competition propels Innovation
- 11. Credit Cards
- 11.1 Introduction
- 11.2 Growth: Card volume surges
- 11.3 Major Players: Who leads the Rally?
- 11.3.1 Private sector banks are more aggressive
- 11.3.2 ICICI Bank becomes market leader due to aggressive strategy
- 11.4 Industry Spend
- 11.5 Key Trends
- 11.6 Techology Spend
- 11.7 Role of Associations
- 11.8 Outlook
12. BanCASSURANCE
13. Regulatory watch
13.1 Introduction
13.2 Micro, Small and Medium Enterprises Development (MSMED) Act, 2006
13.3 RBI increases CRR (cash reserve ratio)
13.4 Housing finance: Growing incidence of frauds
13.5 Banks can issue Capital Instruments In foreign currency
13.6 Basel II adoption may be deferred
13.7 Statutory Pre-emptions
13.8. Simplification of the Procedures and Processes for obtaining Agricultural Loans
13.9. Technical Group for Review of Legislations on Money Lending
13.10. Outlook
14. Issues/Challenges to Retail Banking in India
14.1 Introduction
14.2 Mandate to increase organic revenue growth through superior cross-sell and customer retention
14.3 Interest rate risk
14.4 Issue of money laundering
14.5 Competition in retail banking
14.6 The urge to merge
14.7 Impact of BASEL-II norms
14.8 Objection to outsourcing
14.9 Imbalance in bank C-D & I-D Ratio
14.10 Competition from Mutual Funds
14.11 Mobilisation of cheap deposits
14.12 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
15.5 Budding opportunities in Non-agricultural rural credit
15.6 The shape of things to come
15.7 Conclusion
16. MAJOR BANK PROFILES
1. Andhra Bank
2. Axis Bank
3. Bank of Baroda
4. Bank of India
5. Canara Bank
6. Centurion Bank of Punjab
7. Central Bank of India
8. Citibank
9. Deutsche Bank
10. HDFC Bank
11. HSBC
12. I D B I (Industrial Development Bank Of India)
13. Indian Bank
14. Indian Overseas Bank
15. ICICI Bank
16. ING Vysya Bank
17. Jammu & Kashmir Bank Ltd.
18. Saraswat Co-Operative Bank Ltd.
19. State Bank of India
20. Syndicate Bank
21. Union Bank of India
22. UCO Bank
17. REFERENCES
List of Charts:
Chart 3.2 Global banking assets
Chart 3.3 Provisioning expenses (as a % of total average assets)
Chart 3.6.1.1 US credit growth
Chart 3.6.2 Household credit growth in Euro areas
Chart 3.7.2.1 Retail penetration (as a % of GDP)
Chart 3.7.2.2 Market loan penetration (as a % of GDP)
Chart 3.7.2.3 Market loan penetration (as a % of GDP)
Chart 3.7.2.4 Origin of expected profit growth
Chart 3.7.2.5 Origin of expected revenue growth
Chart 3.7.3 Household debt in Euro areas, UK & US
Chart 4.4 Growth in major aggregates of SCBs
Chart 4.4.1.1 Growth in bank deposits
Chart 4.4.1.2 Growth in bank credits
Chart 4.4.2 Movement of headline inflation during fiscal 2006-07
Chart 4.4.4 Composition of Indian Banking System
Chart 4.7 Assets held by different banking groups
Chart 5.2.1 Segment loan growth rate
Chart 5.2.2 Retail finance growth in 2006-07
Chart 5.3 Retail loan segmental share in 2006-07
Chart 5.4.1 Retail credit distribution
Chart 5.4.2 Retail credit vs. total credit
Chart 5.5.1 Category wise distribution of retail credits in Nos
Chart 5.5.2 Gender wise distribution of retail credit
Chart 5.5.3 Distribution of retail credit as per amount
Chart 5.5.4 Distribution of retail credit in numbers
Chart 5.6.1 Loan as a percentage of GDP
Chart 5.6.2 Consumer loans/ Total loans
Chart 5.6.3 Mortgages/ GDP
Chart 5.6.4 Credit card/ Population
Chart 5.6.5 Other retail loans/ GDP
Chart 5.7.1 Market share of banks based on retail disbursement (as on March 31, 2007)
Chart 5.7.3.1.1 Retail credit market share (all India)
Chart 5.7.3.1.2 Retail credit market share (Metropolitan)
Chart 5.7.3.2.1 Retail credit market share Region wise (Urban, Semi-urban and Rural)
Chart 5.8.1.1 Building an affluent customer group
Chart 5.8.1.2 Trends in urbanisation
Chart 5.8.1.3 Demographic transition
Chart 5.8.3 Impaired credit as a percentage of outstanding loan
Chart 6.3.1 Home loan disbursements
Chart 6.4.1 Home loan distributions vs. interest rate
Chart 6.5.1 Market share 2001-02 Chart 6.5.2 Market share 2006-07
Chart 6.9.1 Size wise classification of housing loan
Chart 6.10.1 Projected housing loans as a percentage of GDP
Chart 6.10.2 Projected demand & supply of housing finance
Chart 6.10.3 Institution wise projected growth in housing finance
Chart 7.1 Share of automobile sector in GDP
Chart 7.2.1 Auto finance: Component and their estimated market share
Chart 7.3.1.1 Growth patterns in cars & MUVs production
Chart 7.3.3.1 Industry sales of two-wheelers
Chart 7.4.2.1 Demand & supply w.r.t. interest rate
Chart 7.6.1.1 Estimated car finance market in India
Chart 8.2.1.1 Demographic spread of consume durable loan
Chart 8.2.1.2 Market share of consumer durable loans (all India)
Chart 8.2.1.3 Market share of consumer durable loans Region wise (semi-urban, Rural, urban and metropolitan)
Chart 8.2.2 size wise market share of consumer durable loan
Chart 8.3 Consumer durable industry growth
Chart 9.2.1 Education loan disbursement
Chart 9.3.1 Education with economy
Chart 9.3.2 Total number of recognized institute in India
Chart 9.4.1 Number of accounts and amount disbursed by public sector banks
Chart10.2.1 Market share of other personal loan (all India)
Chart10.2.2 Market share of other personal loan (Rural)
Chart10.2.3 Market share of other personal loan (Semi-urban)
Chart10.2.4 Market share of other personal loan (Semi-urban)
Chart10.2.5 Market share of other personal loan (Urban)
Chart10.2.6 Market share of other personal loan (Metropolitan)
Chart 10.3.1 Size wise market share of other personal loan
Chart 10.3.2 Type wise market share of other personal loan
Chart 11.2.1. Credit cards issued
Chart 11.3.1.1 Analysis in terms of MNC, private & public sector players
Chart 11.3.2.1 Market share by no. of cards as on Mar, 07
Chart 11.3.2.2 Market share by no. of cards as on Mar, 08(e)
Chart 11.4.1 Share in spend for FY07 Chart 11.6.1 No. of ATMs
Chart 11.6.2 Retail electronics and card based payments in terms of value
Chart 12.2 Various Stages of Bancassurance
Chart 12.3.1 Distribution Models of Bancassurance in India
Chart 12.3.2 Contribution of Bancassurance to total premium collected (Private players)
Chart14.9.1 C-D & I-D ratios of scheduled commercial banks
Chart 15.4.2 Number of SHGs (in '000)
Chart 15.4.3 Bank loans to SHGs
Chart 15.6.1 Credit portfolio in FY07
Chart 15.6.1 Credit portfolio in FY10 (e)
List of tables:
Table 5.8.1Changing consumer demographics
Table 6.3 Growth factors
Table 7.1 Indian Car Finance Industry: Snapshot
Table 7.5 Indian Automobile Finance Industry Transformation
Table 8.3 Expected sales growth in White goods
Table 8.4 Obstacle in consumer durable finance
Table 9.1 Educational Loans: Snapshot
Table 9.3 Factors contributing to the growth of education loans
Table 10.1 Personal Loan: At a glance
Table 11.1 Credit card statistics-different countries
Table 11.3.2 Position of different banks for issuing credit cards
Table 12.3.2 List of different insurance companies & their respective banking partners
Table 16.1: Major Banks and Their Retail Loan Book Position (FY06 and FY07)
Table 16.2: Andhra Bank at a glance
Table 16.3: Axis Bank at a glance
Table 16.4: Bank of Baroda at a glance
Table 16.5: Bank of India at a glance
Table 16.6: Canara Bank at a glance
Table 16.7: Punjab National Bank at a glance
Table 16.8: Central Bank of India at a glance
Table 16.9: Citi Bank at a glance
Table 16.10: Deutsche Bank at a glance
Table 16.11: HDFC Bank at a glance
Table 16.12: HSBC BANK at a glance
Table 16.13: I D B I at a glance
Table 16.14: Indian Bank at a glance
Table 16.15: Indian Overseas Bank at a glance
Table 16.16: ICICI BANK at a glance
Table 16.17: ING Vysya Bank at a glance
Table 16.18: Jammu & Kashmir Bank Limited at a glance
Table 16.19: Saraswat Co-Operative Bank Ltd. at a glance
Table 16.20: State Bank of India at a glance
Table 16.21: Syndicate Bank at a glance
Table 16.22: Union Bank of India at a glance
Table 16.23: UCO Bank at a glance
List of Figures:
Figure 4.6: Key Business segments in SCBs
Figure 6.2: Key Business segments in NHB
Figure 12.2: Various stages of Bancassurance
List of Abbreviations:
ACMA Auto Component Manufacturers Association BISBank of international Settlement CAGRCompounded Annual Growth Rate CIBIL Credit Information Bureau of India Ltd C-D RatioCredit Deposit Ratio CRM Customer Relationship Management FTAsFree Trade AgreementsFYFinancial Year HFCs Housing Finance Companies IPDIInnovative Perpetual Debt Instruments GDP Gross Domestic Product I-D Ratio Investment Deposit Ratio m Million MFIs Micro Finance Institutions MUVs Multi Utility Vehicles NBFCs Non-Banking Financial Companies NHB National Housing Bank OEMs Original Equipment Manufacturers POS Point of sales PSBs Public Sector Banks RSV Retail Sales Volume SCB Scheduled Commercial Banks SHGs Self Help Groups tn Trillion VCFs Venture Capital Funds WTO World Trade Organisation
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