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 Credit/Deposit Ratio
     3.5 Investment/Deposit Ratio
     3.6 Capital Adequacy Ratio
     3.7 Non-Performing Assets
     3.8 By Product
             3.8.1 Deposits
                       3.8.1.1 Scheduled Commercial Banks
                       3.8.1.2 Nationalized Banks
                       3.8.1.3 Public Sector Banks
                       3.8.1.4 State Bank Group
                       3.8.1.5 Private Banks
                       3.8.1.6 Foreign Banks
             3.8.2 Financial Card
                       3.8.2.1 Credit Card
                       3.8.2.2 Debit Card
                       3.8.2.3 Drivers
                       3.8.2.4 Constraints
             3.8.3 ATMs & Branch Network
             3.8.4 Mutual Fund
     3.9 Urban vs Rural Banking
             3.9.1 By Deposits
             3.9.2 By Credit Demand
             3.9.3 By Bank Branches
     3.10 Pension Fund Industry
     3.11 Bancassurance

4. Industry Analysis
     4.1 Risk Assessment of Banking Industry
     4.2 Drivers
             4.2.1 Increasing Bankable Households
             4.2.2 Growing Industry Credit
             4.2.3 Growing Housing Finance Industry
             4.2.4 Declining NPA
     4.3 Opportunities
             4.3.1 Wealth Management Services
             4.3.2 Rising Bankable Households
             4.3.3 Large Unbanked Population
             4.3.4 Call Centers (Support Services)
             4.3.5 Pension Fund Industry
             4.3.6 Auto Finance
             4.3.7 Increasing Retail Lending
             4.3.8 Booming Insurance Industry - Opportunity for Bancassurance
             4.3.9 IT Investment
     4.4 Challenges
             4.4.1 Customer Retention
             4.4.2 Lack of Consumer Credit Information
             4.4.3 KYC (Know Your Customer) Issues & Money Laundering Risks
             4.4.4 Increasing Level of Liquidity
             4.4.5 Increasing Level of Risk Weightage to Commercial Real Estate Financing
             4.4.6 Basel II Accords

5. Future Outlook
     5.1 Bancassurance - 2010
     5.2 Rural Banking
             5.2.1 Strategy
             5.2.2 Technology
     5.3 Credit & Debit Cards (2007-08 to 2010-11)
     5.4 Mobile & Internet Banking
     5.5 Pension Fund Industry
             5.5.1 Future Initiative/Strategy
     5.6 Assets & Deposits (March 2008 to March 2011)
     5.7 ATMs (2008-2011)

6. Key Players
     6.1 Public Sector Banks
             6.1.1 Bank of Baroda
             6.1.2 State Bank of India
             6.1.3 Allahabad Bank
             6.1.4 Canara Bank
             6.1.5 Punjab National Bank
     6.2 Private Sector Banks
             6.2.1 HDFC Bank
             6.2.2 UTI Bank
             6.2.3 ICICI Bank
             6.2.4 Kotak Mahindra Bank
             6.2.5 Centurion Bank of Punjab
     6.3 Foreign Sector Banks
             6.3.1 Citibank
             6.3.2 Standard Chartered Bank
             6.3.3 HSBC Bank
             6.3.4 ABN AMRO Bank
             6.3.5 American Express

7. Annexure I: Indian Banking Industry - Regulatory Framework & Guidelines
     7.1 Regulatory Framework
     7.2 Ownership
             7.2.1 Phase-I (March 2005 to March 2009)
             7.2.2 Phase-II (April 2009)
     7.3 Capital
     7.4 Inspection & Reporting
     7.5 Audit Requirements
     7.6 Managing Pension Fund by Banks
             7.6.1 Eligibility Criteria
             7.6.2 Pension Fund Subsidiary