Brochure More information from http://www.researchandmarkets.com/reports/335508/ Indian Retail Banking Industry: An Analysis Description: This report analyzes the Indian retail banking industry taking into perspective the growth of the Indian economy and the sustainability of this industry in the present scenario. The report also contains an assessment based on the PEST model, covering the relevant political, economic, social and technological factors. Additionally, it evaluates the industry within the Michael Porters framework. The report goes on to describe the competitive landscape and provides a comparative financial study of the major players in the industry. It also captures the important trends and key issues and provides an outlook for the industry. Contents: 1. Introduction 1.1 Industry Definition The Indian Retail banking industry comprises segments that provide comprehensive banking services to individuals and small businesses 1.2 Industry Segments Public Sector Banks Private Sector Banks Foreign Banks 2. Market Dynamics 2.1 Market Overview The retail market for mortgages, credit cards, automobile loans, and other consumer loans has increased from US$9.7 billion to US$36.7 billion in 2004 2.2 Trend Analysis Indian Banks Eyeing International Markets Declining NPA Ratio Increasing Number of Mergers 2.3 Key Drivers Technological Innovations Improvements in the Regulatory Environment Low Penetration in the Consumer Loans Segment 2.4 Major Issues & Implications Ownership of Foreign Banks Outsourcing by Banks Growing Number of Educational Loan Defaulters 3. PEST Analysis 3.1 Political Factors Focus on Regulations High Capital Adequacy Ratio (CAR) for Implementation of Basel II 3.2 Economic Factors Growing Economy Low Interest Rates 3.3 Social Factors Loyalty Factor Increased Penetration of Cards Increased Usage of Online Banking 3.4 Technological Factors IT Services Mobile Banking 4. Michael Porter’s Five Forces Analysis 4.1 Buyer Power Options in the Auto Finance Sector Specialized Products for Women and Students 4.2 Supplier Power Fragmented Mobile Payment Solutions Market Low Bargaining Power of ATM Providers 4.3 Intensity of Competition Intense Competition in Urban Areas Consolidating the Competition New Entrants Intensifying the Competition 4.4 Threat of New Entrants Focus on Niche Segments Regulatory Reforms Limiting Foreign Presence 4.5 Threat of Substitute Products Informal Financing in the Rural Sector 5. Competitive Landscape State Bank of India ICICI Bank Punjab National Bank HDFC Bank 5.1 Competitive Positioning Total Retail Advances: Market Share Housing Loan Market: Market Share No. of Branches and ATMs Number of Credit Card Holders Customer Base Fee Income 5.2 Competition Strategies State Bank of India Core Banking System Increased Penetration of SBI Cards ICICI Bank JV with Grameen USA Employs Film Star as Brand Ambassador Punjab National Bank Introduces Joint Debit Program Increases Rural Presence HDFC Bank Restructures IT services Expands Rural Operations 5.3 Financial Analysis 5.3.1 Income Statement Analysis Net Income – SBI had the highest net income (US$1.2 billion in 2005) in the peer group due to increased focus on retail operations which resulted in an increase in deposits by 12.2%. Operating Margin SBI has registered significant improvements in its operating margins since 2003. Technology upgradation has enabled the bank to reduce inconsistencies. 5.3.2 Balance Sheet Analysis Debt Equity Ratio ICICI Bank plans to finance its expansion plans over the next few years by raising capital through equity, and not debt Return on Equity Despite the decline in returns on equity in 2004-05, SBI generated healthy returns on equity in 2005 Return on Assets Non Performing Assets (NPAs) to Total Assets Ratio 5.4 Stock Market Performance During 2005, SBI’s stock underperformed but during the last few months, investors have showed significant interest in SBI, driven by the likelihood of a lower limit on government ownership in the bank 6. Industry Outlook Indias retail banking business is expected to grow at 16% during the period 2005-2009 Appendix 1: International Conferences and Annual Meetings Appendix 2: Industry Associations and Organizations List of Tables/Figures Table 2.1 Overseas Operations of Indian Banks (As on October 20, 2005) Table 2.2 Banks Merged since Nationalization of Banks in India Table 2.3 ATMs of Scheduled Commercial Banks (As at March 31, 2005) Table 2.4 Paper-based versus Electronic Transactions 2002-2005 Table 5.1 Retail Advances as Percentage of Total Advances 2005 Table 5.2 Competitive Positioning Figure 1.1 Industry Segments Figure 2.1 Banking Assets (1991, 1996, 2004) Figure 2.2 Total Indian Retail Lending Market 1999-2004 Figure 2.3 Break-up of Housing Loans Market 2005 Figure 2.4 Share of Housing to Total Loans of Leading Banks 2002-2005 Figure 2.5 Gross NPAs 2002-2005 Figure 2.6 Percentage to Gross Advances 2002-2005 Figure 2.7 Percentage to Total Assets 2002-2005 Figure 2.8 Consumer Loans/GDP Ratio 2004 Figure 3.1 Effective Interest Rates 1997-2005 Figure 4.1 Mortgage Lending Market Share 2005 Figure 4.2 Credit Card Market Share 2005 Figure 5.1 SBI Core Banking Systems – Project Timeline 2001-2007 Figure 5.2 Net Income Comparison 2003-2005 Figure 5.3 Operating Margin 2003-2005 Figure 5.4 Profit Margin Comparison 2003-2005 Figure 5.5 Debt Equity Ratio 2003-2005 Figure 5.6 Non Performing Assets (NPAs) to Total Assets Ratio 2003-2005 Figure 5.7 Return on Assets 2003-2005 Figure 5.8 Return on Equity 2003-2005 Figure 5.9 Stock Performance Comparison (Apr 2004 – Feb 2006) Figure 5.10 Market Capitalization Figure 6.1 Savings Growth 2005-2015 Ordering: Order Online - http://www.researchandmarkets.com/reports/335508/ Order by Fax - using the form below Order by Post - print the order form below and sent to Research and Markets, Guinness Centre, Taylors Lane, Dublin 8, Ireland. Page 1 of 2 Fax Order Form To place an order via fax simply print this form, fill in the information below and fax the completed form to 646-607- 1907 (from USA) or +353-1-481-1716 (from Rest of World). If you have any questions please visit http://www.researchandmarkets.com/contact/ Order Information Please verify that the product information is correct. Product Name: Indian Retail Banking Industry: An Analysis Web Address: http://www.researchandmarkets.com/reports/335508/ Office Code: OC8HPMSLSQPPU Product Format Please select the product format and quantity you require: Quantity Electronic: EURO €1,230.00 Contact Information Please enter all the information below in BLOCK CAPITALS Title: Mr Mrs Dr Miss Ms Prof First Name: Last Name: Email Address: * Job Title: Organisation: Address: City: Postal / Zip Code: Country: Phone Number: Fax Number: * Please refrain from using free email accounts when ordering (e.g. Yahoo, Hotmail, AOL) Page 2 of 2 Payment Information Please indicate the payment method you would like to use by selecting the appropriate box. Pay by credit card: American Express Diners Club Master Card Visa Cardholder's Name Cardholder's Signature Expiry Date Card Number CVV Number Issue Date (for Diners Club only) Pay by check: Please post the check, accompanied by this form, to: Research and Markets, Guinness Center, Taylors Lane, Dublin 8, Ireland. Please transfer funds to: Pay by wire transfer: Account number 833 130 83 Sort code 98-53-30 Swift code ULSBIE2D IBAN number IE78ULSB98533083313083 Bank Address Ulster Bank, 27-35 Main Street, Blackrock, Co. Dublin, Ireland. If you have a Marketing Code please enter it below: Marketing Code: Please note that by ordering from Research and Markets you are agreeing to our Terms and Conditions at http://www.researchandmarkets.com/info/terms.asp Please fax this form to: (646) 607-1907 or (646) 964-6609 - From USA +353 1 481 1716 or +353 1 653 1571 - From Rest of World
"Project Report on Icici Bank Retail Banking"