Conclusion on an Overview of Retail Marketing in India

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Retail Banking in India - The Comprehensive Industry Report

Description:    Use this report to…
                Understand how retail industry is growing
                What are strategies taken by retail bank companies and their comparison thereof? and much


                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
                - 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

- Banks, Financial institutions
- MNC Banks
- Academicians
- Consultants
- Researchers

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.

 Global Banking Scenario
 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
 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

Contents:   1.Executive Summary

            2. 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 Driver
6.7. Banks overtake HFCs in housing loan disbursement
6.8. Banks are aggressive on Refinancing
6.9. Changing age profile of borrower
6.10. Higher loan-to-value ratio
6.11. Size of Home Loan
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

7.1 Introduction
7.2 Segment-wise autodidact
7.3 Industry Segment-wise analysis
7.3.1 Car
7.3.2 Multi-Utility Vehicle
7.3.3Two Wheeler sales touch 7.44 million.
7.4 Driving Factor
7.4.1 Entry of Foreign Car Maker
7.4.2 Cheaper Loans Off tack
7.4.3 Reduction in Taxes & Du tie
7.4.4 Changing Business Dynamic
7.5: Indian Automobile Finance Industry Transformation
7.6 Recent Trend
7.6.1. Recession halts the growth of the marked
7.6.2 Used Car Financing
7.6.3. Auto companies tie-up with PSU Bank
7.7 Major Challenge
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 logistic
7.7.5 Managing Poor Monsoon
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 Shear
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 marked
8.6 Outlook

9. Education Loan
9.1 Introduction
9.2 Educational loans disbursement
9.3 Driving factor
9.4 Major Challenge in Education Loa
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 card
11. Credit card
11.1 Introduction
11.1.1. Size and growth
11.2 Growth: Card volume surge
11.3 Competition and Major Players: ICICI banks Rally
11.4 Industry Spend
11.5 Key Trend
11.5.1. Cut throat competition
11.5.2. Infra structural challenges could soon become irrelevant
11.5.3. Smarter Debit/Credit Car
11.5.4. Prepaid cards on the horizon11.5.5. Demand for premium and co-brand card
11.5.6. ATM outsourcing
11.6 Technology Sp en
11.6.1 Mobile Wallet
11.7 MICROPAYMENTS 11.8 Role of Association
11.9 Default in Credit car
11.10 Outlook

12. Braincases
12.1 Introduction
12.2 Changing Business Dynamic
12.3 Braincases: Indian Scenario
12.4 Issues and challenge
12.5 Driving Factor
12.5 Outlook

13. Regulation
13.1. Introduction
13.2. Consumer credit, Home Loan, Education Loan, Auto Loans and their Risk weight exposure
13.3. Housing finance: Growing incidence of fraud
13.4. Credit card Norm
13.4.1. Single overall limit for each individual
13.4.2. KYC (know your customer) Norm
13.4.3. Recovery of retail loans 13.4.4. Reports to Credit Bur ea
13.4.5 Other harassment
13.5. Micro Finance
13.5.1The Micro Financial sector (Development and Regulation) Bill, 2007 13.6. Foreign Exchange
13.7. Remittance Regulation
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 Kris
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 Norm
14.9 Growth in Retail Electronic Funds Transfer System
14.10 Imbalance in bank credit-deposit & investment-deposit ratio
14.11 Conclusion

15.1 Refocus customer relationships through technology and innovation
15.2 Enterprise CRM in Retail Banking
            15.3 Fresh frontiers in Retail Operation
            15.4 Micro Finance- an emerging opportunity
            15.4.1. Self-Help Group (SHG) – Bank Linkage Program
            15.5 Budding opportunities in Non-agricultural rural credit
            15.6 The shape of things to com
            15.7. Emerging trends in technology
            15.8 Conclusion
            16. Major Banks Profile
            1. Andrea Ban
            2. AXIS Ban
            3. Bank of Bard
            4. Bank of India
            5. Canard Ban
            6. Titian
            7. Central Bank of India
            8. Deutsche Ban
            9. HDFC Ban
            10. HSBC 11. Indian Overseas Ban
            12. ICICI Ban
            13. I D B I (Industrial Development Bank Of India) 14. Indian Ban
            15. ING Visa Ban
            16. Jam mu & Kashmir Bank Ltd. 17. State Bank of India
            18. Saraswat Co-Operative Bank Ltd. 19. Syndicate Ban
            20. UCO Ban
            21. Union Bank of India

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