India Commercial Banking Report

Published 11 May 2015

  • 72 pages
  • Instant access to your report online and PDF format through your account library
  • Includes 3 free updated quarterly reports
$1,295.00
India Commercial Banking Report
Commercial Banking Sector Indicators
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
Source: BMI; Central banks; Regulators
November 2013, INRbn 84,144.9 56,464.8 22,172.2 5,507.9 84,144.9 7,183.0 71,965.0 4,996.9
November 2014, INRbn 93,194.1 62,843.9 24,298.6 6,051.5 93,194.1 8,149.6 80,010.6 5,033.8
% change y-o-y 10.8% 11.3% 9.6% 9.9% 10.8% 13.5% 11.2% 0.7%
November 2013, USDbn 1,347.4 904.2 355.0 88.2 1,347.4 115.0 1,152.4 80.0
November 2014, USDbn 1,502.3 1,013.1 391.7 97.6 1,502.3 131.4 1,289.8 81.1
% change y-o-y 11.5% 12.0% 10.3% 10.6% 11.5% 14.2% 11.9% 1.4%
Commercial Banking Sector Key Ratios, November 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
Source: BMI; Central banks; Regulators
78.54% 67.43% 50.92% 1,683.2 1,018.7
Rising Rising Rising n.a. n.a.
Annual Growth Rate Projections 2014-2019 (%)
Assets Loans Deposits
Source: BMI; Central banks; Regulators
Annual Growth Rate 18 18 20
CAGR 18 18 20
Ranking 10 11 4
Ranking Out Of 73 Countries Reviewed In 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI; Central banks; Regulators
60 13 42
Local currency asset growth Local currency loan growth Local currency deposit growth
9 11 4
Commercial Banking Sector Indicators, 2012-2019
2012 2013 2014e 2015f 2016f 2017f 2018f 2019f
e/f = estimate/forecast. Source: BMI; Central banks; Regulators
Total assets, INRbn 75,003.6 84,904.6 100,187.4 118,221.2 139,501.0
BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, November 2014
7
Table: Annual Growth Rate Projections 2014-2019 (%)
7
Table: Ranking Out Of 73 Countries Reviewed In 2015
8
Table: Commercial Banking Sector Indicators, 2012-2019
8
SWOT
9
Commercial Banking
9
Political
11
Economic
13
Operational Risk
15
Industry Forecast
17
Industry Risk Reward Ratings
21
Asia Commercial Banking Risk/Reward Index
21
Table: Asia Commercial Banking Risk/Reward Index
22
Market Overview
23
Asia Commercial Banking Outlook
23
Table: Banks' Bond Portfolios, 2013
23
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2015
23
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
24
Table: Comparison of USD Per Capita Deposits, 2015
25
Economic Analysis
26
Table: Economic Activity (India 2010-2019)
31
Competitive Landscape
32
Market Structure
32
Protagonists
32
Table: Protagonists In India's Commercial Banking Sector
32
Definition Of The Commercial Banking Universe
32
List Of Banks
33
Table: Public Sector Banks
33
Table: Foreign Banks In India
34
Company Profile
36
Bank of Baroda
36
Table: Stock Market Indicators
37
Table: Balance Sheet (INRmn)
38
Table: Balance Sheet (USDmn)
38
Table: Key Ratios (%)
38
HDFC Bank
39
Table: Stock Market Indicators
41
Table: Balance Sheet (INRmn)
41
Table: Balance Sheet (USDmn)
41
Table: Key Ratios (%)
42
ICICI Bank
43
Table: Stock Market Indicators
45
Table: Balance Sheet (INRmn)
45
Table: Balance Sheet (USDmn)
45
Table: Key Ratios (%)
46
Punjab National Bank
47
Table: Stock Market Indicators
49
Table: Balance Sheet (INRmn)
49
Table: Balance Sheet (USDmn)
49
Table: Key Ratios (%)
50
State Bank of India
51
Table: Stock Market Indicators
53
Table: Balance Sheet (INRmn)
53
Table: Balance Sheet (USDmn)
53
Table: Key Ratios (%)
54
Regional Overview
55
Asia Overview
55
Global Industry Overview
58
Global Commercial Banking Outlook
58
US and Eurozone Banking Outlook
58
Emerging Market Regional Outlooks
59
Demographic Forecast
63
Table: Population Headline Indicators (India 1990-2025)
64
Table: Key Population Ratios (India 1990-2025)
64
Table: Urban/Rural Population And Life Expectancy (India 1990-2025)
65
Table: Population By Age Group (India 1990-2025)
65
Table: Population By Age Group % (India 1990-2025)
66
Methodology
68
Industry Forecast Methodology
68
Sector-Specific Methodology
69
Risk/Reward Ratings Methodology
70
Table: Commercial Banking Risk/Reward Rating Indicators
71
Table: Weighting Of Indicators
72

The India Commercial Banking Report has been researched at source and features BMI Research's independent assessment and forecasts for the commercial banking sector in India. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's India Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in India.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for India to test other views - a key input for successful budgeting and strategic business planning in the Indian commercial banking market.
  • Target business opportunities and risks in India through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

BMI Industry View

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and USD.

Industry SWOT Analysis

Analysis of the major strengths, weaknesses, opportunities and threats within the commercial banking sector and within the broader political, economic and business environment.

BMI’s Commercial Banking Risk Reward Index

BMI’s Risk Reward Index provides investors and participants looking for opportunities in the region with a clear country-comparative assessment of a market’s risks and potential rewards. Each of the country markets are scored using a sophisticated model that includes more than 40 industry, economic and demographic points. These provide indices of highest to lowest appeal to investors, with each position explained.

Global, Regional and Country Industry Overviews

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI’s global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2019 for all headline macroeconomic indicators, including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

  • Competitive Landscape Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.
  • Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI’s industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate company SWOT analyses.

The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

Sources

The Commercial Banking reports draw on a network of primary sources, such as multilateral organisations, government departments, industry associations, chambers and company reports.

*Company profiles are not available for every country. Those reports instead contain information on the current activities of prominent companies operating in the market.

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