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Report on Indian Banking Industry

  • Issued By: Bharat Book Bureau
  • City / State: Mumbai
  • Phone: +912227578668
  • Company Website: http://www.bharatbook.com
  • Submitted: November 20, 2010 9:50 pm

  • FOR IMMEDIATE RELEASE
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Mumbai, November 20, 2010:

The Indian Banking system has managed to successfully sail through the financial tornado witnessed by the global economy on the back of sound policies of our apex bank and fiscal stimulus packages implemented by the Government. Strict regulations relating to the exposure to derivative instruments, relatively tighter norms on capital adequacy based on risk-weighted assets and timely intervention by the Reserve Bank of India (RBI) prevented the severe contagion of the global financial crisis to the Indian banking system.

During the recessionary phase in October 2008–March 2009 period, the RBI was swift to reduce the policy rates, both repo and reverse repo and provide liquidity to the economy by reducing the reserve ratios and offering adequate support to the banking system. Couple of fiscal stimulus packages by the Government, relaxation of norms for certain sectors like real estate and allowing the banks to restructure its advances too contributed to the sailing of Indian banks through the rough phase with minimal impact.

According to CARE Research, the Indian Banking Sector is poised for significant growth in the coming years driven by:

  • Healthy outlook on GDP
  • Under penetrated financial system
  • Borrowings from infrastructure and mortgage finance (home loans)

All Rights Reserved. No part of this report may be reproduced or transmitted in any form without prior written permission from CARE.

Table of Contents :

INDEX

EXECUTIVE SUMMARY
I. OUTLOOK SECTION
Outlook on credit off-take
Outlook on deposits
Outlook on net interest margins
Outlook on non-performing assets
Outlook on profitability

II. SECTOR SECTION
1. History of the Banking Sector in India
History of State Bank of India (SBI) and
Associates
History of other banks in India
Pre-independence
Post Independence tNationalisation
Nationalisation tLiberalisation
- Arguments for Nationalisation
Liberalisation tcurrent date
- Interest rate liberalisation
- Privatisation
- Entry of foreign banks
Various Banking Groups
Regional Distribution of Branches
History of other banks in India

2. Role of Reserve Bank of India
RBI monetary and credit policy
Developments since the global economic
recession
Liquidity Adjustment Facility (LAF)
Cash Reserve Rati(CRR)

3. Deposits
Sources of Funds for Banks
Distribution of deposits of Scheduled
Commercial banks (SCB)
Distribution of deposits by Ownership
Deposits mobilisation from Households
Types of Deposits
Current deposits
Saving deposits
Term deposits
Bank group-wise deposit performance
SBI and Associates
Nationalised Banks
Private Sector Banks
Foreign Banks

4. Advances
Type-wise break-up of total advances
Security-wise break-up of total advances
Credit off take in FY09, FY10 and FY11
Sectoral Bank Credit

5. Investments
Break-up of Investments
Statutory Liquidity Rati(SLR) Investment
Non-SLR Investments

6. Total Income
Break-up of total income
Interest on Advances and Investments
Other Income
Fee income
Non-fee income
Profit on sale/revaluation of Investments

7. Total Expenses
Break-up of total expenses
Operating cost – bank group-wise
Staff cost
Non-staff cost

8. Spread and Net Interest Margin (NIM)
Analysis of Spread and Net Interest
Margin (NIM) for SCB
Bank group-wise performance
Public Sector Banks (PSBs)
Old Private Sector Banks
New Private Sector Banks
Foreign Banks

9. Profitability
Profitability of SCB
Bank group-wise performance
SBI and Associates
Nationalized Banks
Private Sector Banks
Foreign Banks

10. Non Performing Assets (NPA)
Classification of assets
Provision requirement for assets based on
their classification category
Trend in NPAs for SCB
NPAs, Provisions and Write-back for
banking groups
Sector-wise NPA break-up
Recovery of NPA
Recovery of Debts Due tBanks and
Financial Institutions Act, 1993
SARFAESI Act, 2002
Bank group-wise performance
Public Sector Banks (PSBs)
Old Private Sector Banks
New Private Sector Banks
Foreign Banks

11. Capital Adequacy Rati(CAR)
Concept
Trend in CAR
Bank group-wise trend in CAR over the
years
Distribution of banks by CAR

For more please visit

http://www.bharatbook.com/detail.asp?id=159020&rt=Report-on-Indian-Banking-Industry.html

OR Contact us at

Bharat Book Bureau
207, Hermes Atrium, Sector 11, CBD Belapur, Navi Mumbai – 400 614, India.
Phone : +91 22 2757 8668 / 2757 9438
Fax : +91 22 2757 9131
E-mail : info@bharatbook.com
Website : www.bharatbook.com

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