India Commercial Banking Report

Providing expert analysis, independent forecasts and competitive intelligence on the commercial banking industry.

Report includes: BMI Industry View, Industry SWOT Analysis, Commercial Banking Risk Reward Index, Economic Forecasts, Global, Regional and Country Industry Overviews and Company Profiles.

Why you should buy this report

  • Benefit from the latest market opportunities
  • Understand the threats to your operations and investments and protect your company against future risks
  • Gain insight on emerging trends that could support, strengthen or disrupt your activities in the market
  • Get a full view of the competitive landscape to assess your market position
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India Commercial Banking Report
Product Price
$1,295.00
Commercial Banking Sector Indicators
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
Source: BMI; Central banks; Regulators
January 2015, INRbn 94,485 63,639 24,902 5,944 94,485 8,183 80,790 5,512
January 2016, INRbn 104,610 70,555 26,994 7,061 104,610 9,382 89,639 5,589
% change y-o-y 10.7% 10.9% 8.4% 18.8% 10.7% 14.6% 11.0% 1.4%
January 2015, USDbn 1,527.2 1,028.6 402.5 96.1 1,527.2 132.3 1,305.8 89.1
January 2016, USDbn 1,543.1 1,040.7 398.2 104.2 1,543.1 138.4 1,322.3 82.4
% change y-o-y 1.0% 1.2% -1.1% 8.4% 1.0% 4.6% 1.3% -7.5%
Commercial Banking Sector Key Ratios, January 2016
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
Source: BMI; Central banks; Regulators
78.71% 67.45% 51.26% 1,598.8 1,007.5
Falling Rising Rising na na
Annual Growth Rate Projections 2015-2020 (%)
Assets Loans Deposits
Source: BMI; Central banks; Regulators
Annual Growth Rate 19 19 20
CAGR 17 17 20
Ranking 7 10 4
Ranking Out Of 75 Countries Reviewed In 2016
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI; Central banks; Regulators
64 11 49
Local currency asset growth Local currency loan growth Local currency deposit growth
13 15 4
Commercial Banking Sector Indicators, 2013-2020
2013 2014 2015e 2016f 2017f 2018f 2019f 2020f
e/f = estimate/forecast. Source: BMI; Central banks; Regulators
Total assets, INRbn 84,905 93,299 104,019 117,542 138,699 163,665 193,125 229,818
Total assets, USDbn 1,373.9 1,479.9 1,546.8 1,703.5 1,979.3 2,323.9 2,728.6 3,230.8
Client loans, INRbn 57,413 63,185 69,882 78,967 91,602 108,090 127,547 152,206
Client loans, USDbn 929.0 1,002.2 1,039.1 1,144.5 1,307.2 1,534.8 1,802.0 2,139.7
Client deposits, INRbn 72,235 80,119 88,871 106,646 127,975 153,570 184,284 221,141
Client deposits, USDbn 1,168.8 1,270.9 1,321.5 1,545.6 1,826.2 2,180.6 2,603.7 3,108.8
BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, November 2014
7
Table: Annual Growth Rate Projections 2015-2020 (%)
7
Table: Ranking Out Of 75 Countries Reviewed In 2016
8
Table: Commercial Banking Sector Indicators, 2013-2020
8
SWOT
9
Commercial Banking
9
Political
11
Economic
13
Operational Risk
15
Industry Forecast
17
Industry Trend Analysis
17
Table: New Guidelines To Lower Banks' Lending Rates
18
Table: Government Public Sector Bank Reform Roadmap
20
Commercial Banking Risk/Reward Index
22
Asia Commercial Banking Risk/Reward Index
22
Table: Asia Commercial Banking Risk/Reward Index
23
Market Overview
24
Asia Commercial Banking Outlook
24
Table: Banks' Bond Portfolios, 2014
24
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2016
24
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
25
Table: Comparison of USD Per Capita Deposits, 2016
26
Economic Analysis
27
Table: Agriculture Uptick Unlikely To Last
28
Table: Economic Activity (India 2014-2024)
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
61
Global Commercial Banking Overview
61
Regional Outlooks
61
Demographic Forecast
68
Table: Population Headline Indicators (India 1990-2025)
69
Table: Key Population Ratios (India 1990-2025)
69
Table: Urban/Rural Population & Life Expectancy (India 1990-2025)
70
Table: Population By Age Group (India 1990-2025)
70
Table: Population By Age Group % (India 1990-2025)
71
Methodology
73
Industry Forecast Methodology
73
Sector-Specific Methodology
74
Risk/Reward Index Methodology
75
Table: Commercial Banking Risk/Reward Index Indicators
76
Table: Weighting Of Indicators
77

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.