1. “ Are real estate prices supported by your branch manager?”

2. The Great Indian Divide

5. 50,00,000 100,00,000 200,00,000 150,00,000 250,00,000 2007 2008 2009 0 300,00,000 Between May ‘08 – May ‘09 the loans given by banks (excluding agricultural loans) grew from Rs 21,747,670 to Rs 25,582,500 million – an increase of +18% Source: RBI Data Loans given (except agriculture) The story behind the numbers: the huge rescue of real estate +18%

6. 2,00,000 4,00,000 8,00,000 6,00,000 10,00,000 2007 2008 2009 However, the loans given to real estate increased from Rs 621,780 to Rs 944,990 million – a growth of +52% 0 Real Estate loans given The story behind the numbers: the huge rescue of real estate +52%

7. So, which banks were responsible for the chunk of loans to real estate developers?

8. What would have happened if your PSU bank had not bailed out the real estate developers? 161,605 homes would have to be sold within 12 months

9. And property prices dropped by -20% to -30% According to industry estimates, 34,000 homes were sold for the year ended May ‘09

10. You would have been able to afford your own home! 161,605 homes are approximately 4.8 times the homes that were sold for the year ended May 09 So if the 161,605 homes had to be sold, property prices would have fallen still lower and…

11. How your PSU bank gave away ‘your money’, to take away ‘your dream home’

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