Indian Banking Industry Market Trends and Outlook for 2014 and Beyond
MUMBAI, India, April 17, 2014 /PRNewswire/ --
Bharat Book Bureau presents India Banking Industry Report. This report profiles India's banking industry, discussing market trends through 2013 and outlook for 2014 and beyond. The report also highlights leading players in the sector including State Bank of India, HDFC Bank and ICICI Bank. http://bit.ly/1gJVcbi
The Indian banking industry has witnessed a period of consistent growth during the last decade, with banks along with their customers embracing robust systems and processes. The industry saw a consistent rise in the number of reporting offices in the last few years. With Reserve Bank of India (RBI) stressing the policy of financial inclusion, there has been a renewed emphasis on rural expansion.
Industrial slowdown and sticky consumer price inflation created a hostile environment for the country's banking sector in 2013. The consumer price inflation was in the double digit range during the course of the year. As a result, RBI had to raise benchmark policy rates by xxbps between May 2013 and January 2014. Although private banks were not much affected, most banks in the public sector felt the heat. The cost of servicing debt went up resulting in an increase in bad loans in the rate sensitive sectors. As a result, the profitability of nationalized players also suffered.
However, the outlook for the Indian banking sector is stable backed by considerably sound financial position of its banks. Rising per capita income, growing urbanization and consistent economic growth will drive growth in this sector in the years to come.
Key Points:
- During 2007-xx, the total assets of scheduled commercial banks grew at a CAGR of xx.x%. Public sector banks led by State Bank of India and its associates dominated the Indian banking system in terms of asset size accounting for xx% of total assets.
- Total credit disbursed by scheduled commercial banks grew at a CAGR of xx% during 2003-xx while total deposits of scheduled commercial banks grew at a CAGR of xx% during 2003-xx.
- The asset quality of scheduled commercial banks, particularly public sector banks, has deteriorated during the last two years. A steep rise in interest rates together with industrial contraction led to a sharp increase in non-performing assets. Net NPA ratio of SCBs grew from x.xx% in FYxx to x.xx% in FYxx.
- In order to curb inflation, RBI increased the policy rate (report rate) xx times between March 2010 and October 2011. RBI raised hopes of the industry by cutting report rate by xx basis points between January 2013 and May 2013, but had to gradually raise it again due to sticky inflation.
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Table of Contents
Industry Profile
Sector overview
Sector size
Asset profile
Loans and advances
Investments
Liability profile
Deposits
Borrowings
Competitive landscape
Environmental scanning
Market Trends and Outlook
Key economic indicators-India
Monetary policy
Credit growth
Deposit growth
Capital adequacy
Asset quality
Profitability
Market Outlook
Market Trends and Outlook
Key economic indicators-India
Monetary policy
Credit growth
Deposit growth
Capital adequacy
Asset quality
Profitability
Market Outlook
Leading Players and Comparative Matrix
Leading Players
State Bank of India (SBI)
HDFC Bank Ltd (HDFC Bank)
ICICI Bank Ltd (ICICI Bank)
Comparative matrix
SWOT analysis
For more information:
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