Banking industry

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Banking industry

  1. 1. BANKING INDUSTRY Study by Maulik
  2. 2. What Is Bank? A bank is an institution which accepts deposits, withdrawals by cheque and makes loans and advances.
  3. 3. INDUSTRY ANALYSIS • Banking in India originated in the last decades of the 18th century • The first banks were THE GENERAL BANK OF INDIA, which started in 1786 • The oldest bank in existence in India is the STATE BANK OF INDIA, which originated as the BANK OF CALCUTTA in June 1806
  4. 4. • The first fully Indian owned bank was the ALLAHABAD BANK, established in 1865 • The banking industry has grown at a compounded annual rate of over 51 per cent since April 2001 • Industry life cycle – Growing stage Industry Analysis Cont…
  5. 5. Market structure in Indian RBI Scheduled Commercial Public Private Foreign Cooperative Urban Rural Unscheduled
  6. 6. MARKET STRUCTURE
  7. 7. Top 10 banks in the world • Deutsche Bank, Germany • Mitsubishi UFJ Bank, Japan • Industrial & Commercial Bank of China • HSBC Holdings, UK • Barclays PLC, UK • BNP Paribas, France • Japan Post Bank • J. P. Morgan Chase & Co. USA • Credit Agricole SA, France • Royal Bank of Scotland Group(RBS)
  8. 8. Top 10 banks in India PUBLIC SECTOR BANKS • State Bank of India(SBI) • Punjab National Bank • Bank of Baroda • Canara Bank • Bank of India PRIVATE SECTOR BANKS • HDFC Bank • ICICI Bank • Axis Bank • Kotak Mahindra Bank • Yes Bank
  9. 9. Top Foreign Banks in India • CITI Bank • Standard Chartered Bank • HSBC Bank • Royal Bank of Scotland • BNP Paribas
  10. 10. GROWTH RATE • Private Bank 50% • Public Sector Bank 15% • Private Public Bank 35% • Foreign Bank 20%
  11. 11. 7567 2421 2287 2164 2131 2125 1600 1571 1424 1297 0 1000 2000 3000 4000 5000 6000 7000 8000 SBI PNB BOB ICICI BOI CANARA HDFC IDBI AXIS CBI CREDIT PORTFOLIO (RS.BN)
  12. 12. Domestic Credit (2002-11) 57.1 55.8 57.6 58.4 60.9 60.8 67.7 70.4 73 75.1 0 10 20 30 40 50 60 70 80 FY02 FY03 FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 percentage of GDP
  13. 13. 2.9 3.5 2.8 2.3 2.5 2.6 4.2 1.8 3.1 2.7 0 0.5 1 1.5 2 2.5 3 3.5 4 4.5 SBI PNB BOB ICICI BOI CANARA HDFC IDBI AXIS CBI Net interest margin (%)
  14. 14. 1.02 1 1.05 1.12 0.97 0.85 0.9 0.95 1 1.05 1.1 1.15 FY07 FY08 FY09 FY10 FY11 Non-performing asset (%)
  15. 15. 90 95 95 95 43 45 45 45 65 70 75 70 0 10 20 30 40 50 60 70 80 90 100 FY08 FY09 FY10 FY11 MONEY SUPPIY CREDIT DEPOSITS Benefits of financial inclusion (%)ofGDP
  16. 16. Market share of leading bank(2011) 18 6 5 5 5 5 443 3 42 SBI PNB BOB ICICI BOI CANARA HDFC IDBI AXIS CBI OTHERS
  17. 17. Balance Sheet of State Bank of India ------------------- in Rs. Cr. ------------------- Mar '13 Mar '12 Mar '11 Mar '10 Mar '09 12 mths 12 mths 12 mths 12 mths 12 mths Capital and Liabilities: Total Share Capital 684.03 671.04 635.00 634.88 634.88 Equity Share Capital 684.03 671.04 635.00 634.88 634.88 Share Application Money 0.00 0.00 0.00 0.00 0.00 Preference Share Capital 0.00 0.00 0.00 0.00 0.00 Reserves 98,199.65 83,280.16 64,351.04 65,314.32 57,312.82 Revaluation Reserves 0.00 0.00 0.00 0.00 0.00 Net Worth 98,883.68 83,951.20 64,986.04 65,949.20 57,947.70 Deposits 1,202,739.57 1,043,647.36 933,932.81 804,116.23 742,073.13 Borrowings 169,182.71 127,005.57 119,568.96 103,011.60 53,713.68 Total Debt 1,371,922.28 1,170,652.93 1,053,501.77 907,127.83 795,786.81 Other Liabilities & Provisions 95,455.07 80,915.09 105,248.39 80,336.70 110,697.57 Total Liabilities 1,566,261.03 1,335,519.22 1,223,736.20 1,053,413.73 964,432.08 Mar '13 Mar '12 Mar '11 Mar '10 Mar '09 12 mths 12 mths 12 mths 12 mths 12 mths Assets Cash & Balances with RBI 65,830.41 54,075.94 94,395.50 61,290.87 55,546.17 Balance with Banks, Money at Call 48,989.75 43,087.23 28,478.65 34,892.98 48,857.63 Advances 1,045,616.55 867,578.89 756,719.45 631,914.15 542,503.20 Investments 350,927.27 312,197.61 295,600.57 285,790.07 275,953.96 Gross Block 6,595.71 5,133.87 4,764.19 11,831.63 10,403.06 Accumulated Depreciation 0.00 0.00 0.00 7,713.90 6,828.65 Net Block 6,595.71 5,133.87 4,764.19 4,117.73 3,574.41 Capital Work In Progress 409.31 332.68 0.00 295.18 263.44 Other Assets 47,892.03 53,113.02 43,777.85 35,112.76 37,733.27 Total Assets 1,566,261.03 1,335,519.24 1,223,736.21 1,053,413.74 964,432.08
  18. 18. Balance Sheet of HDFC Bank ------------------- in Rs. Cr. ------------------- Mar '14 Mar '13 Mar '12 Mar '11 Mar '10 12 mths 12 mths 12 mths 12 mths 12 mths Capital and Liabilities: Total Share Capital 479.81 475.88 469.34 465.23 457.74 Equity Share Capital 479.81 475.88 469.34 465.23 457.74 Share Application Money 0.00 0.00 0.30 2.91 0.00 Preference Share Capital 0.00 0.00 0.00 0.00 0.00 Reserves 42,998.82 35,738.26 29,455.04 24,911.13 21,064.75 Revaluation Reserves 0.00 0.00 0.00 0.00 0.00 Net Worth 43,478.63 36,214.14 29,924.68 25,379.27 21,522.49 Deposits 367,337.48 296,246.98 246,706.45 208,586.41 167,404.44 Borrowings 39,438.99 33,006.60 23,846.51 14,394.06 12,915.69 Total Debt 406,776.47 329,253.58 270,552.96 222,980.47 180,320.13 Other Liabilities & Provisions 41,344.40 34,864.17 37,431.87 28,992.86 20,615.94 Total Liabilities 491,599.50 400,331.89 337,909.51 277,352.60 222,458.56 Mar '14 Mar '13 Mar '12 Mar '11 Mar '10 12 mths 12 mths 12 mths 12 mths 12 mths Assets Cash & Balances with RBI 25,345.63 14,627.40 14,991.09 25,100.82 15,483.28 Balance with Banks, Money at Call 14,238.01 12,652.77 5,946.63 4,568.02 14,459.11 Advances 303,000.27 239,720.64 195,420.03 159,982.67 125,830.59 Investments 120,951.07 111,613.60 97,482.91 70,929.37 58,607.62 Gross Block 2,939.92 2,703.08 2,347.19 2,170.65 4,707.97 Accumulated Depreciation 0.00 0.00 0.00 0.00 2,585.16 Net Block 2,939.92 2,703.08 2,347.19 2,170.65 2,122.81 Capital Work In Progress 0.00 0.00 0.00 0.00 0.00 Other Assets 25,124.60 19,014.41 21,721.64 14,601.08 5,955.15 Total Assets 491,599.50 400,331.90 337,909.49 277,352.61 222,458.56
  19. 19. Thank you
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