India Commercial Banking Report

Published 03 February 2015

  • 75 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
October 2013, INRbn 83,108.1 55,979.8 21,752.1 5,376.2 83,108.1 7,194.2 71,662.7 4,251.2
October 2014, INRbn 92,730.6 62,726.1 24,151.4 5,853.1 92,730.6 8,148.2 80,143.1 4,439.3
% change y-o-y 11.6% 12.1% 11.0% 8.9% 11.6% 13.3% 11.8% 4.4%
October 2013, USDbn 1,351.5 910.3 353.7 87.4 1,351.5 117.0 1,165.3 69.1
October 2014, USDbn 1,511.1 1,022.2 393.6 95.4 1,511.1 132.8 1,306.0 72.3
% change y-o-y 11.8% 12.3% 11.3% 9.1% 11.8% 13.5% 12.1% 4.6%
Source: BMI; Central banks; Regulators
Commercial Banking Sector Key Ratios, October 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
78.27% 67.64% 54.63% 1,510.4 1,032.5
Rising Rising Rising n.a. n.a.
Source: BMI; Central banks; Regulators
Annual Growth Rate Projections 2014-2019 (%)
Assets Loans Deposits
Annual Growth Rate 18 18 20
CAGR 18 18 20
Ranking 10 10 4
Source: BMI; Central banks; Regulators
Ranking Out Of 73 Countries Reviewed In 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
58 12 42
Local currency asset growth Local currency loan growth Local currency deposit growth
10 10 3
Source: BMI; Central banks; Regulators
Commercial Banking Sector Indicators, 2012-2019
2012 2013 2014e 2015f 2016f 2017f 2018f 2019f
Total assets, INRbn 75,003.6 84,904.6 100,187.4 118,221.2 139,501.0 164,611.2 194,241.2 229,204.6
Total assets, USDbn 1,363.8 1,373.9 1,589.2 1,876.5

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, June 2014
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 73 Countries Reviewed In 2014
8
Table: Commercial Banking Sector Indicators, 2011-2018
8
SWOT
9
Commercial Banking
9
Political
11
Economic
13
Business Environment
15
Industry Forecast
17
Opportunities For Banking Sector
18
Larger Capital Base To Boost Stability And Credit Growth
19
Risks To Outlook
20
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, 2014
23
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
24
Table: Comparison of USD Per Capita Deposits, 2014
25
Economic Analysis
26
Mining And Manufacturing To Return To The Black
27
Reining In Subsidies Key For Sustainable Long-Term Economic Growth
28
Table: Economic Activity (India 2009-2018)
30
Competitive Landscape
31
Market Structure
31
Protagonists
31
Table: Protagonists In India's Commercial Banking Sector
31
Definition Of The Commercial Banking Universe
31
List Of Banks
32
Table: Public Sector Banks
32
Table: Foreign Banks In India
33
Company Profile
35
Bank of Baroda
35
Table: Stock Market Indicators
36
Table: Balance Sheet (INRmn)
37
Table: Balance Sheet (USDmn)
37
Table: Key Ratios (%)
37
HDFC Bank
38
Table: Stock Market Indicators
39
Table: Balance Sheet (INRmn)
40
Table: Balance Sheet (USDmn)
40
Table: Key Ratios (%)
40
ICICI Bank
41
Table: Stock Market Indicators
43
Table: Balance Sheet (INRmn)
43
Table: Balance Sheet (USDmn)
43
Table: Key Ratios (%)
44
Punjab National Bank
45
Table: Stock Market Indicators
47
Table: Balance Sheet (INRmn)
47
Table: Balance Sheet (USDmn)
47
Table: Key Ratios (%)
48
State Bank of India
49
Table: Stock Market Indicators
51
Table: Balance Sheet (INRmn)
51
Table: Balance Sheet (USDmn)
51
Table: Key Ratios (%)
52
Regional Overview
53
Asia Overview
53
Political Concerns To Weigh-
58
Virtuous Cycle For Economic Growth
59
Global Industry Overview
60
Global Commercial Banking Outlook
60
Financial Sector Reform A Key Factor In Loan Growth
65
Demographic Forecast
69
Table: India's Population By Age Group, 1990-2020 ('000)
70
Table: India's Population By Age Group, 1990-2020 (% of total)
71
Table: India's Key Population Ratios, 1990-2020
72
Table: India's Rural And Urban Population, 1990-2020
72
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.

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Testimonials

'An essential, multi-faceted research tool. BMI’s thorough understanding of the major market players enables an informed – and informative – review of the sector’s actual performance, together with useful insights into current industry issues, which are topped-off with detailed and invaluable forecasts of industry and macroeconomic trends.’

Senior Research Analyst, ABC International Bank plc