Reports

Ideas That Generate Results

1. Analyst View

2. Industry Overview
     2.1 Global Banking Industry
            2.1.1 Overview
            2.1.2 Regional Segmentation
            2.1.3 Top Performing Banks
     2.2 Asia Banking Industry
            2.2.1 Overview
            2.2.2 Top Performing Banks
     2.3 Indian Banking Industry
            2.3.1 Overview

3. Indian Banking Industry Performance
     3.1 Assets
     3.2 Income (Interest & Other Income)
     3.3 Profit
            3.3.1 Operating Profit
            3.3.2 Net Profit
     3.4 Capital Adequacy Ratio
     3.5 Non-Performing Assets
     3.6 Credit/Deposit Ratio
     3.7 Investment/Deposit Ratio

4. Retail Banking Products
     4.1 Deposits
            4.1.1 Scheduled Commercial Banks
            4.1.2 Nationalized Banks
            4.1.3 Public Sector Banks
            4.1.4 State Bank Group
            4.1.5 Private Banks
            4.1.6 Foreign Banks
     4.2 Retail Loan
            4.2.1 Home Loan
            4.2.2 Education Loan
            4.2.3 Auto Loan
            4.2.4 Consumer Durable Loan
            4.2.5 Credit Card Outstanding
            4.2.6 Advances against Fixed Deposits
            4.2.7 Credit Demand - By Urban, Semi-urban & Rural Centers
     4.3 Microfinance
     4.4 Financial Cards
            4.4.1 Credit Card
            4.4.2 Debit Card
            4.4.3 Drivers
            4.4.4 Constraints
     4.5 ATMs & Branch Network
     4.6 Bancassurance
     4.7 Mutual Fund
     4.8 Pension Fund Industry

5. Industry Analysis
     5.1 Risk Assessment of Banking Industry
     5.2 Drivers
            5.2.1 Rising Number of Bankable Households
            5.2.2 Burgeoning Need for Housing Finance
            5.2.3 Expanding Industry Credit
            5.2.4 Declining Non-Performing Assets
     5.3 Opportunities
            5.3.1 Increasing Number of Bankable Households
            5.3.2 Huge Unbanked Populace
            5.3.3 Wealth Management Services
            5.3.4 Growing Retail Lending
            5.3.5 Pension Fund Industry
            5.3.6 Bancassurance - New Opportunity Area
            5.3.7 Support Services & Operations (Call Centers)
            5.3.8 IT Investment
     5.4 Challenges
            5.4.1 Customer Retention
            5.4.2 Lack of Consumer Credit Information
            5.4.3 Increasing Liquidity
            5.4.4 ‘Know Your Customer’ Issues & Money Laundering Risks
            5.4.5 High Risk Weightage to Commercial Real Estate Financing
            5.4.6 Basel II Accords

6. Retail Banking - Future Outlook
     6.1 Bancassurance - 2010
     6.2 Credit & Debit Cards (2007-08 to 2010-11)
     6.3 Mobile & Internet Banking
     6.4 Pension Fund Industry
            6.4.1 Future Initiatives/Strategies
     6.5 Assets & Deposits (March 2008 to March 2011)
     6.6 ATMs (2008-2011)

7. Key Players
     7.1 Public Sector Banks
            7.1.1 Bank of Baroda
            7.1.2 State Bank of India
            7.1.3 Allahabad Bank
            7.1.4 Canara Bank
            7.1.5 Punjab National Bank
     7.2 Private Sector Banks
            7.2.1 HDFC Bank
            7.2.2 UTI Bank
            7.2.3 ICICI Bank
            7.2.4 Kotak Mahindra Bank
            7.2.5 Centurion Bank of Punjab
     7.3 Foreign Sector Banks
            7.3.1 Citibank
            7.3.2 Standard Chartered Bank
            7.3.3 HSBC Bank
            7.3.4 ABN AMRO Bank
            7.3.5 American Express

8. Annexure I: Indian Banking Industry - Regulatory Framework & Guidelines
     8.1 Regulatory Framework
     8.2 Ownership
            8.2.1 Phase-I (March 2005 to March 2009)
            8.2.2 Phase-II (April 2009)
     8.3 Capital
     8.4 Inspection & Reporting
     8.5 Audit Requirements
     8.6 Managing Pension Fund by Banks
            8.6.1 Eligibility Criteria
            8.6.2 Pension Fund Subsidiary