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1. Commercial Banking Market – India
March 2017
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2. Commercial Banking Market in India 2017
Drivers
• Financial inclusion and initiatives taken by the government has lead the
banking sector to be more transformative and exciting
• Demographic Dividend i.e. x million people is under 25 yrs. which is
potential bankable population and is an opportunity for India to
become financially strong
• Adoption of digital technology makes banking more convenient and
accessible ,analyze real time data to predict fraud or illegal activities
• Infrastructure development will proportionally increase in its
investment
Executive Summary
Market Overview
Drivers and
Challenges
Competitive
Landscape
• Total banking sector assets have increased at a CAGR of x% to INR x bn during FY13–15
• Credit off-take has been surging ahead over the past decade, aided by strong economic growth, rising disposable incomes, increasing consumerism and
easier access to credit
• Deposits have grown at a CAGR of x% during FY07–15 and reached INR x tn in FY15
Challenges
 Recovering Non performing assets and bad debts by the banks are
biggest challenges
 Reduced profits in the balance sheet have shown depressing figures
 Corruption scams of banks will make them lose account holders in
the years to bank, this will indulge the customers to shift their
banking base
Major Players
Company 1 Company 2 Company 3 Company 4
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3. Socioeconomic Indicators
Market Overview
Market Influencers
Competitive Landscape
Recent Developments
Appendix
3
Trade Analysis

4. Commercial Banking Market in India 2017
Socioeconomic Indicators
Total Population
4
Population Density
1,500
1,000
500
0
mn X%
2020
k
2019
j
2018
i
2017
h
2016
g
2015
f
2014
e
2013
d
2012
c
2011
b
2010
a
0
100
200
300
400
500
2017
h1
2016
g1
2015
f1
2014
e1
2013
d1
2012
c1
2011
b1
2010
a1
2019
k1j1
2020
Y%
2018
i1
Persons per sq. km

5. Socioeconomic Indicators
Market Overview
Market Influencers
Competitive Landscape
Recent Developments
Appendix
5
Trade Analysis

6. Commercial Banking Market in India 2017
Market Definition & Structure
Market Definition
• A commercial bank is a financial institution that provides various services such as
1)accepting demand and time deposits,
2)issuing loans to individuals and organizations, and
3)offering related services such as basic investment products, documentary collections, international banking, trade financing
Reserve Bank of India
Bank Financial Institution
xx xx yyyyyy
zz
zz
zz zz
zz
zz
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7. Commercial Banking Market in India 2017
Market Overview
0
20,000
40,000
60,000
80,000
100,000
FY 2012
x
FY 2008 FY 2013
x
FY 2007 FY 2009
x
x
x
FY 2015
xx%
FY 2014
x
FY 2010
INR bn
x
FY 2011
x
• Deposits have grown at a CAGR of x% during FY 2007–FY 2015 and reached INR x tn in FY15
• Deposit growth has been mainly driven by strong growth in savings amid rising disposable income levels
• Access to the banking system has also improved over the years due to persistent government efforts to promote banking-technology, and promote expansion in unbanked and non-
metropolitan regions
• At the same time India’s banking sector has remained stable despite global upheavals, thereby retaining public confidence over the years
• Under Pradhan Mantri Jan Dhan Yojana (PMJDY), deposits has increased
 As on Nov 2015, INR x tn has been deposited while x mn accounts are opened
Deposits of Scheduled Commercial Banks in India
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Growth in Deposits

8. Commercial Banking Market in India 2017
Market Overview
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
INR bn
x%
FY 2015
x
FY 2014
x
FY 2013
x
FY 2012
x
FY 2007
x
FY 2008
x
FY 2009
x
FY 2010
x
FY 2011
x
Growth in Credit
• Credit off-take has been surging ahead over the past decade, aided by strong economic growth, rising disposable incomes, increasing consumerism and easier access to credit
• Total credit extended went up to INR x bn by FY15
• Credit to non-food industries increased by x% to INR x bn in FY15, while in the previous financial year, non-food bank credit increased by x%
• Demand has grown for both corporate and retail loans; particularly the services, real estate, consumer durables and agriculture allied sectors have led the growth in credit
Credit of Scheduled Commercial Banks in India
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9. Commercial Banking Market in India 2017
Market Overview
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
x
FY 2014
x
X%
FY 2015
INR bn
x
FY 2013
• Total banking sector assets have increased at a CAGR of x% to INR x bn during FY 2013–FY 2015
• FY13-15 saw growth in assets of banks across sectors
 Assets of public sector banks, which account for more than XX% of the total banking assets, grew at a CAGR of YY%
 Private sector expanded at a CAGR of x%, while foreign banks posted a growth of x%
• Corporate demand for bank loans have grown due to continued infrastructure investments, and due to other policy decisions such as reducing oil subsidies, issuing of telecom spectrum
licenses and the proposed abolition of penalty on loan prepayment
Total Indian Banking Sector Assets
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Assets Base Continues To Expand

10. Commercial Banking Market in India 2017
Market Overview
• Public sector banks accounted for over x% of interest income in the Indian banking sector in FY 2015
 They lead the group in interest income growth with a CAGR of x% over FY 2009-FY 2015
• Overall, the interest income for the sector has grown at x% CAGR during FY 2009-FY 2015
• Additionally, banks are laying emphasis on diversifying the source of revenue stream to protect themselves from interest rate cycle and its impact on interest income
0
1,000
2,000
3,000
4,000
5,000
6,000
x
x
x
x
FY 2012
x
x
x
FY 2011
x
FY 2013
x
x
x
FY 2015
x
FY 2014
INR Bn
x
x
x
Public Private Foreign
Interest Income Growth in Indian Banking Sector
10
Interest Income Has Seen Robust Growth

11. Commercial Banking Market in India 2017
Financial Inclusion
1
Adoption Of Digital Technology
3
Market Drivers
2
Demographic Dividend Infrastructure Development
4
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12. Commercial Banking Market in India 2017
Competition
Name Website
Company 1
Company 2
Company 3
Company 4
Company 5
Company 6
Company 7
Company 8
Company 9
Company 10
List of Major Players
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13. Commercial Banking Market in India 2017 13
Company Information
Products and Services
Category Products/Services
XX XX
Corporate Address
Tel No.
Fax No.
Website
Year of Incorporation
Stock Exchange : Ticker
Key People
Name Designation
Person 1 Chairman and Managing Director
Person 2 Chief Executive Officer
Person 3 Group President
Person 4 Chief Financial Officer
Business Description
• XX
Public: Domestic Company – Company 1

14. Commercial Banking Market in India 2017 14
Key Ratios
Particulars 2013 2014 2015 2016
Profitability Ratios
Gross Margin %
Net Income Margin %
EBITDA Margin %
EBITA Margin %
EBIT Margin %
Return on Assets %
Return on Capital %
Return on Equity %
Return on Common Equity %
Liquidity Ratios
Current Ratio
Quick Ratio
Leverage Ratios
Total Debt/Equity
Total Debt/Capital
Interest Coverage
Efficiency Ratios
Total Asset Turnover
Fixed Asset Turnover
Accounts Receivable Turnover
Inventory Turnover
Financial Snapshot
Key Financial Performance Indicators
Indicators Value (13/02/2017)
Market Capitalization (INR mn)
Total Enterprise Value (INR mn)
EPS (INR)
PE Ratio (Absolute)
Total Income Net Profit / Loss
0
500
1,000
1,500
0
10
20
30
40
50
60
INR mn
XX
XXXX XX
XX
FY 2013
XX
FY 2014 FY 2015
INR mn
FY 2016
XX
XX
Public: Domestic Company – Company 1 (Continued)

15. Commercial Banking Market in India 2017 15
Key Business Segments Key Geographic Segments
0%
20%
40%
60%
80%
100%
FY 2016
XX%
FY 2015
XX%
FY 2014
XX%
XX%
XX%
FY 2013
Xx%
XX%
100%
80%
60%
40%
20%
0%
FY 2016
100%
Country 1Segment 4Segment 3Segment 2Segment 1
Public: Domestic Company – Company 1 (Continued)
Company 1 has been operating solely
in Country 1 over the last four years

16. Commercial Banking Market in India 2017
Recent Developments
Date Category Description Impact
1st Sep 2016 Partnership High
6th Oct 2016 Others High
1st Aug 2016 Partnership Medium
3rd Oct 2016 Others High
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