Indian banking sector has grown at a healthy pace over the past decade. Total credit off-take has increased at a CAGR of 10.94% during FY07-18 reaching $1,299 billion as of Q3 FY19. Total deposits have grown at a CAGR of 11.66% during the same period reaching $1,866 billion as of Q3 FY19. The assets base of banks across sectors continues to expand with total banking sector assets growing at a CAGR of 7.01% during FY13-18 to reach $2,358 billion in FY18. Notable trends in the banking industry include improved risk management practices, growing digitalization, and rising
ttk prestige
Market Share: Prestige is India’s brand leader in the kitchenware and appliances categories and commands a ~37% market share in pressure cooker category, 31% market share in the cookware category and ~10% market share in the appliances category.
Causes of Non-Performing Loan: A Study on State Owned Commercial Bank of Bang...Dhaka university
Research Objectives and Possible Research Questions, Classified Loan, Theories: Ethical theory, Moral Hazard, Political Power, Transaction Cost, Stakeholder, Conceptual framework, Research Position, References and Reviewed Literature
ttk prestige
Market Share: Prestige is India’s brand leader in the kitchenware and appliances categories and commands a ~37% market share in pressure cooker category, 31% market share in the cookware category and ~10% market share in the appliances category.
Causes of Non-Performing Loan: A Study on State Owned Commercial Bank of Bang...Dhaka university
Research Objectives and Possible Research Questions, Classified Loan, Theories: Ethical theory, Moral Hazard, Political Power, Transaction Cost, Stakeholder, Conceptual framework, Research Position, References and Reviewed Literature
Credit Appraisal System IN Commercial Vehicle loans Undertaken at INDIA INFOL...Danish Dhaar
Summer Training Project Report on
Credit Appraisal System IN Commercial Vehicle loans
Undertaken at
INDIA INFOLINE FINANCE LTD
Submitted in Partial Fulfilment of the Requirement for the Award of the Degree of
Master of Business Administration
By
Danish Showkat Dhar
Roll No.14036113030
Reg. No.:-29437-IC-2011
Under The Supervision of
MR. Sachin Gupta
(AVP: CREDIT & OPS)
INDIA INFOLINE FINANCE LTD
DEPT. OF MANAGEMENT STUDIES
SOUTH CAMPUS UNIVERSITY OF KASHMIR
ANANTNAG
Để xem full tài liệu Xin vui long liên hệ page để được hỗ trợ
:
https://www.facebook.com/garmentspace/
https://www.facebook.com/thuvienluanvan01
HOẶC
https://www.facebook.com/thuvienluanvan01
https://www.facebook.com/thuvienluanvan01
tai lieu tong hop, thu vien luan van, luan van tong hop, do an chuyen nganh
Fundamental Analysis of banking industry.pdfdipraj10
This project is based on Fundamental analysis. The project is based on Indian banking sector. Top five leading banks in India is chosen for this analysis. In this project, You will see Fundamental analysis Is done through Top to Bottom approach. As per this approach, Economic analysis, Industrial Analysis and company analysis have been used.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
A STUDY ON FUNDAMENTAL ANALYSIS OF BANKING SECTOR (WITH SPECIAL REFERENCE TO ...IAEME Publication
The study consist of fundamental analysis so it focuses on the overall state of the economy, and considers factors including interest rates, production, earnings, employment, GDP, housing, manufacturing and management. When analyzing a stock, futures contract, or currency using fundamental analysis there are two basic approaches one can use: bottom up analysis and top down analysis. So the researcher gives the problem as A study on fundamental analysis of banking sector with special reference to public sector banks. The main objective is to study the fundamental analysis of three banks which Punjab National Bank (PNB), Bank of Baroda (BOB) and State Bank of India (SBI).
Credit Appraisal System IN Commercial Vehicle loans Undertaken at INDIA INFOL...Danish Dhaar
Summer Training Project Report on
Credit Appraisal System IN Commercial Vehicle loans
Undertaken at
INDIA INFOLINE FINANCE LTD
Submitted in Partial Fulfilment of the Requirement for the Award of the Degree of
Master of Business Administration
By
Danish Showkat Dhar
Roll No.14036113030
Reg. No.:-29437-IC-2011
Under The Supervision of
MR. Sachin Gupta
(AVP: CREDIT & OPS)
INDIA INFOLINE FINANCE LTD
DEPT. OF MANAGEMENT STUDIES
SOUTH CAMPUS UNIVERSITY OF KASHMIR
ANANTNAG
Để xem full tài liệu Xin vui long liên hệ page để được hỗ trợ
:
https://www.facebook.com/garmentspace/
https://www.facebook.com/thuvienluanvan01
HOẶC
https://www.facebook.com/thuvienluanvan01
https://www.facebook.com/thuvienluanvan01
tai lieu tong hop, thu vien luan van, luan van tong hop, do an chuyen nganh
Fundamental Analysis of banking industry.pdfdipraj10
This project is based on Fundamental analysis. The project is based on Indian banking sector. Top five leading banks in India is chosen for this analysis. In this project, You will see Fundamental analysis Is done through Top to Bottom approach. As per this approach, Economic analysis, Industrial Analysis and company analysis have been used.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
A STUDY ON FUNDAMENTAL ANALYSIS OF BANKING SECTOR (WITH SPECIAL REFERENCE TO ...IAEME Publication
The study consist of fundamental analysis so it focuses on the overall state of the economy, and considers factors including interest rates, production, earnings, employment, GDP, housing, manufacturing and management. When analyzing a stock, futures contract, or currency using fundamental analysis there are two basic approaches one can use: bottom up analysis and top down analysis. So the researcher gives the problem as A study on fundamental analysis of banking sector with special reference to public sector banks. The main objective is to study the fundamental analysis of three banks which Punjab National Bank (PNB), Bank of Baroda (BOB) and State Bank of India (SBI).
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
2. Table of Content
Executive Summary……………….….…….3
Advantage India…………………..….……...4
Market Overview …………………….……...6
Notable Trends……………….….…..….….15
Strategies Adopted……………...…………22
Growth Drivers and Opportunities.............24
Key Industry Organizations....…………….32
Useful Information……….......…………….34
3. For updated information, please visit www.ibef.orgBanking3
EXECUTIVE SUMMARY
Value of public sector bank assets increased to US$ 1.56 trillion in FY18 from US$ 1.52 trillion in FY17.Robust asset growth
Source: India Banking Association, Reserve Bank of India
Total lending has increased at a CAGR of 10.94 per cent during FY07-18 and total deposits have increased at
a CAGR of 11.66 per cent, during FY07-18 and are further poised for growth, backed by demand for housing
and personal finance.
Growing lending and
deposit
As of September 2018, total number of ATMs in India increased to 205,866 and is further expected to
increase to 407,000 by 2021.
Higher ATM penetration
As of December 2018, 56 regional rural banks are functioning in the country.
RBI has allowed, regional rural banks with net worth of at least US$ 15.28 million to launch internet banking
facilities.
As of September 2018, the Government of India has launched India Post Payments Bank (IPPB) and has
opened branches across 650 districts to achieve the objective of financial inclusion.
Rising rural penetration
Notes: ATM - Automated Teller Machine, FIP – Financial Inclusion Plan, RBI – Reserve Bank of India
5. For updated information, please visit www.ibef.orgBanking5
ADVANTAGE INDIA
Increase in working population &
growing disposable incomes will raise
demand for banking & related services.
Housing & personal finance are
expected to remain key demand
drivers.
Rural banking is expected to witness
growth in the future.
Mobile, Internet banking & extension of
facilities at ATM stations to improve
operational efficiency.
Vast un-banked population highlights
scope for innovation in delivery.
Rising fee incomes improving the
revenue mix of banks.
High net interest margins, along with
low NPA levels, ensure healthy
business fundamentals.
Wide policy support in the form of
private sector participation & liquidity
infusion.
Healthy regulatory oversight & credible
Monetary Policy by the Reserve Bank
of India (RBI) have lent strength &
stability to the country’s banking sector.
ADVANTAGE
INDIA
Source: IBA report titled “Being five-star in productivity - Roadmap for excellence in Indian banking”; Aranca Research
Note: NPA – Non Performing Assets
7. For updated information, please visit www.ibef.orgBanking7
EVOLUTION OF THE INDIAN BANKING SECTOR
Source: Indian Bank’s Association, BMI
Note: RBI - Reserve Bank of India
Closed market
State-owned Imperial Bank of
India was the only bank
existing.
Imperial Bank expanded its
network to 480 branches.
In order to increase penetration
in rural areas, Imperial Bank
was converted into State Bank
of India.
In 2003, Kotak Mahindra Finance Ltd received a
banking license from RBI and became the first NBFC to
be converted into a bank.
In 2009, the government removed the Banking Cash
Transaction Tax which had been introduced in 2005.
RBI was established as the central bank of
country.
Quasi central banking role of Imperial
Bank came to an end.
Nationalisation of 14 large commercial banks in
1969 & 6 more banks in 1980.
Entry of private players such as ICICI
intensifying the competition.
Gradual technology upgradation in PSU banks .
NABARD sanctioned US$ 2.84 billion loan
to National Water Development Agency for 50
irrigation projects in October 2016.
As per RBI, as of November 30, 2018, India
recorded foreign exchange reserves of
approximately US$ 393.72 billion.
1921 1935 1956-20001936-1955
2016
onwards
2000
onwards
8. For updated information, please visit www.ibef.orgBanking8
THE STRUCTURE OF INDIAN BANKING SECTOR
Reserve Bank of India
Cooperative credit institutions
Public sector banks (27)*
Private sector banks (21)*
Foreign banks (49)*
Regional Rural Banks (RRB)
(56)*
State-level institutions
Other institutions
Urban cooperative banks
(1,562)*
Rural cooperative banks
(94,384)*
Source: Reserve Bank of India’s ‘Report on Trend and Progress of Banking in India’
Note: * - Indicates data for FY17
All-India financial institutions
Scheduled Commercial Banks
(SCBs)
Banks Financial Institutions
9. For updated information, please visit www.ibef.orgBanking9
INDIAN BANKING SECTOR HAS GROWN AT A
HEALTHY PACE…(1/2)
429.92
600.65
620.28
705.44
894.16
1,001.73
1,014.75
1,038.36
1,124.86
1,149.19
1,180.19
1,347.18
1,290.68
0
200
400
600
800
1,000
1,200
1,400
1,600
FY07
FY08
FY09
FY10
FY11
FY12
FY13
FY14
FY15
FY16
FY17
FY18
FY19*
Source: Reserve Bank of India (RBI), Aranca Research
Credit off-take has been surging ahead over the past decade, aided
by strong economic growth, rising disposable incomes, increasing
consumerism & easier access to credit.
During FY07-18, credit off-take grew at a CAGR of 10.99 per cent.
As of Q3 FY19*, total credit extended surged to Rs 93,751.17 billion
(US$ 1,299.39 billion). Demand has grown for both corporate & retail
loans; particularly the services, real estate, consumer durables &
agriculture allied sectors have led the growth in credit.
Credit to non-food industries increased by 13.1 per cent year-on-year
reaching Rs 82,043 billion (US$ 1,137.12 billion) in January 18,
2019.
Visakhapatnam port traffic (million tonnes)Growth in credit off-take over past few years (US$ billion)
*CAGR 10.94%
Note: *CAGR till FY18, * - as of December 2018
10. For updated information, please visit www.ibef.orgBanking10
INDIAN BANKING SECTOR HAS GROWN AT A
HEALTHY PACE…(2/2)
474.18
575.72
807.63
854.28
961.83
1,182.45
1,267.61
1,287.90
1,314.99
1,459.05
1,466.47
1,599.34
1,781.12
1,866.22
0
200
400
600
800
1,000
1,200
1,400
1,600
1,800
2,000
FY06
FY07
FY08
FY09
FY10
FY11
FY12
FY13
FY14
FY15
FY16
FY17
FY18
FY19*
Source: Reserve Bank of India (RBI), Aranca Research
Note: ^ - as of February 27, 2019, * - as of December 2018, CAGR till FY18
During FY07–18, deposits grew at a CAGR of 11.66 per cent and
reached US$ 1.6 trillion by FY17. Deposits at the end of Q3 FY19*
stood at Rs 120,818.92 billion (US$ 1,866.22 billion).
Strong growth in savings amid rising disposable income levels are
the major factors influencing deposit growth.
Access to 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.
Deposits under Pradhan Mantri Jan Dhan Yojana (PMJDY), have
increased to Rs 926.78 billion (US$ 12.85 billion) and 336.6 million
accounts were opened in India^.
Visakhapatnam port traffic (million tonnes)Growth in deposits over the past few years (US$ billion)
CAGR 11.66%
11. For updated information, please visit www.ibef.orgBanking11
ASSETS BASE CONTINUES TO EXPAND
Source: Reserve Bank of India (RBI), Aranca Research, Indian Banks Association
FY13-18 saw growth in assets of banks across sectors. Total
banking sector assets (including public, private sector and foreign
banks) have increased at a CAGR of 7.01 per cent to US$ 2.36
trillion during FY13–18.
In FY18, total assets in public and private banking sector were US$
1,557.04 billion and US$ 666.99 billion, respectively.
Assets of public sector banks, which account for 66.03 per cent of
the total banking assets (including public, private sector and foreign
banks).
Private sector assets expanded at a CAGR of 12.68 per cent during
FY13–18, while foreign banks posted a growth of 4.25 per cent
during FY13–18.
Foreign banks assets reached Rs 8.65 trillion (US$ 134.12 billion) in
FY18.
Visakhapatnam port traffic (million tonnes)Total Banking sector assets (US$ billion)
1,140.20
1,305.00
1,421.40
1,347.90
1,518.46
1,557.04
325.90
369.90
415.10
488.10
558.92
666.99
104.50
122.60
123.50
121.10
125.52
134.12
1,570.54
1,797.58
1,959.98 1,957.03
2,202.90
2,358.15
0
500
1,000
1,500
2,000
2,500
0
200
400
600
800
1,000
1,200
1,400
1,600
1,800
FY13 FY14 FY15 FY16 FY17 FY18
Public Sector Private Sector
Foreign Banks Total Asset-RHS
Note: Data is updated yearly, update is expected by August 2019
12. For updated information, please visit www.ibef.orgBanking12
INTEREST INCOME HAS SEEN ROBUST GROWTH
57.6
67.1
76.4
103.4
102.2
102.9
110.7
102.7
105.6
102.5
17.9
18.2
20.2
28.7
30.7
31.4
34.1
36.8
43.3
47.4
6.4
5.8
5.9
7.7
7.8
7.6
8.3
7.8
8.0
7.8
0
20
40
60
80
100
120
FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18
Private Sector Public Sector Foreign Banks
Source: Reserve Bank of India, IBA (Indian Banks Association), Aranca Research
Public sector banks accounted for over 64.98 per cent of interest
income in the sector in FY18.
Public sector banks lead in interest income growth with a CAGR of
6.61 per cent over FY09-18.
Overall, the interest income for the sector (including public, private
sector and foreign banks) has grown at 7.55 per cent CAGR during
FY09-18.
Interest income of Public Banks was witnessed to be US$ 102.46
billion in FY18.
In FY18, private banking sector (interest income) reached US$ 47.39
billion. Interest income of foreign banks stood at Rs 503.98 billion
(US$ 7.8 billion) during the same period.
Visakhapatnam port traffic (million tonnes)Interest income growth in Indian banking sector (US$ billion)
Note: Data is updated yearly, update is expected by August 2019
13. For updated information, please visit www.ibef.orgBanking13
GROWTH IN ‘OTHER INCOME’ ALSO ON A POSITIVE
TREND
8.90
10.20
10.00
10.70
10.50
10.80
12.39
12.35
17.66
17.80
3.70
4.30
4.30
5.30
5.50
5.90
6.70
7.40
9.85
10.37
3.10
2.10
2.30
2.30
2.10
2.20
2.40
1.86
2.46
2.04
0
2
4
6
8
10
12
14
16
18
20
FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18
Public Sector Private Sector Foreign Banks
Source: Indian Bank’s Association, Aranca Research, BMI
Public sector banks account for about 58.92 per cent of other
income.
‘Other income’ for public sector banks has risen at a CAGR of 8.01
per cent during FY09-18.
‘Other income’ for public sector banks stood at US$ 17.80 billion in
FY18.
Overall, ‘other income’ for the sector has risen at 7.54 per cent
CAGR during FY09-18.
In FY18, private banking sector (other income) was US$ 10.37
billion. Foreign banks (other income) reached Rs 131.43 billion (US$
2.04 billion) during the same period.
Visakhapatnam port traffic (million tonnes)‘Other income’ growth in Indian banking sector (US$ billion)
Note: Data is updated yearly, update is expected by August 2019
14. For updated information, please visit www.ibef.orgBanking14
RETURN ON ASSETS AND LOAN-TO-DEPOSIT RATIO
SHOWING AN UPTREND
81.99
71.49
75.14
67.65
75.14
68.96
82.28
88.36
82.99
70.89
0
20
40
60
80
100
FY12 FY18
SBI & its associates Nationalised Bank Public Sector
Private Sector Foreign Sector
0.86
1.17
1.37
1.88
1.98
0.0
0.5
1.0
1.5
2.0
2.5
FY12 FY18
Public Sector Private Sector Foreign Sector
Source: Reserve Bank of India (RBI), IBA Indian Banks Association
Note: Data for Return on Assets and Loan to Deposit Ratio is in percentage, NA - Foreign Banks data for FY18 not available, Foreign banks data expected to be updated by March 2019
Return on Assets (%) Credit Deposit Ratio
Loan-to-Deposit ratio for banks across sectors has increased over the years.
Private and foreign banks have posted high return on assets than nationalised & public banks.
This has prompted most of the foreign banks to start their operations in India.
NA
16. For updated information, please visit www.ibef.orgBanking16
NOTABLE TRENDS IN THE BANKING INDUSTRY
SECTOR … (1/4)
Source: Indian Bank's Association, Indian Banking Sector 2020, Aranca Research, FIS report, Bank for International Settlement (BIS), 10th annual 'Innovation in Retail Banking' report by
Infosys Finacle
Indian banks are increasingly focusing
on adopting integrated approach to risk
management.
Banks have already embraced the
international banking supervision
accord of Basel II.; interestingly,
according to RBI, majority of the banks
already meet capital requirements of
Basel III, which has a deadline of
March 31, 2019.
Most of the banks have put in place the
framework for asset-liability match,
credit & derivatives risk management.
Improved risk management practices
Total lending has increased at a CAGR
of 10.94 per cent during FY07-18 and
total deposits has increased at a
CAGR of 11.66 per cent, during FY07-
18 & are further poised for growth,
backed by demand for housing and
personal finance.
India’s retail credit market is the fourth
largest in the emerging countries. It
increased to US$ 281 billion on
December 2017 from US$ 181 billion
on December 2014.
Diversification of revenue stream
As of September 2018, total number of
ATMs in India increased to 205,866
and is further expected to increase to
407,000 ATMs in 2021.
The digital payments system in India
has evolved the most among 25
countries, including UK, China and
Japan, with the IMPS being the only
system at level 5 in the Faster
Payments Innovation Index (FPII).
India stepped up to 28th position on the
government's adoption of e-payments
ranking in 2018.
By 2022, digital assistants, social
media and third party channels are
projected to act as primary channels
for banking.
Technological innovations
17. For updated information, please visit www.ibef.orgBanking17
NOTABLE TRENDS IN THE BANKING INDUSTRY
SECTOR … (2/4)
To capture the rural areas
Indian banks are expanding
their businesses. According
to RBI, Under Financial
Inclusion Plan, 598,093
banking outlets were
provided in villages as on
March 2017.
As of September 2018,
Ministry of Finance,
Government of India
launched the Financial
Inclusion Index. This index
will measure access, usage
and quality to financial
services.
As of September 2018,
Department of Financial
Services (DFS), Ministry of
Finance and National
Informatics Centre (NIC)
launched Jan Dhan
Darshak as a part of
financial inclusion initiative.
It is a mobile app to help
people locate financial
services in India.
Focus on financial inclusion
The increasingly dynamic
business scenario &
financial sophistication has
increased the need for
customised exotic financial
products.
Banks are developing
innovative financial products
& advanced risk
management methods to
capture the market share.
Bank of Maharashtra tied up
with Cigna TTK, to market
their insurance products
across India.
Derivatives and risk
management products
With entry of foreign banks,
competition in the Indian
banking sector has
intensified.
Banks are increasingly
looking at consolidation to
derive greater benefits such
as enhanced synergy, cost
take-outs from economies
of scale, organisational
efficiency & diversification
of risks.
Consolidation
The effects of
demonetisation are also
visible in the fact that bank
credit plunged by 0.8 per
cent from November 8 to
November 25, 2016, as
US$ 9.85 billion were paid
by defaulters. As per RBI, a
total of US$ 237.17 billion
was deposited in banks till
August 30, 2017.
Debit cards have radically
replaced credit cards as the
preferred payment mode in
India, after demonetisation.
As of September 2018,
debit cards garnered a
share of 87.14 per cent of
the total card spending.
Demonetisation
Source: Indian Bank's Association, Indian Banking Sector 2020, Aranca Research
18. For updated information, please visit www.ibef.orgBanking18
NOTABLE TRENDS IN THE BANKING INDUSTRY
SECTOR … (3/4)
Key objective of Pradhan Mantri Jan
Dhan Yojana (PMJDY) is to increase
the accessibility of financial services
such as bank accounts, insurance,
pension, credit facilities, etc. mostly to
the low income groups.
As of September 2018, the
Government of India has made the
Pradhan Mantri Jan Dhan Yojana
(PMJDY) scheme an open ended
scheme and has also added more
incentives.
Under the Jan Dhan Yojana, Rs 926.78
billion (US$ 12.85 billion) were
deposited and 347.3 million accounts
were opened in India^.
221.0 million ‘Rupay’ debit cards were
issued to users^.
Focus towards Jan Dhan Yojana
Real Time Gross Settlement (RTGS)
and National Electronic Funds Transfer
(NEFT) are being implemented by
Indian banks for fund transaction.
Securities Exchange Board of India
(SEBI) has included NEFT & RTGS
payment system to the existing list of
methods that a company can use for
payment of dividend or other cash
benefits to their shareholders &
investors.
The number of transactions through
IMPS increased to 1.56 billion in
volume and amounted to Rs 14.14
trillion (US$ 195.98 billion) in value
between April 2018-February 2019.
Wide usability of RTGS, NEFT and IMPS
RBI mandated the Know Your
Customer (KYC) Standards, wherein
all banks are required to put in place a
comprehensive policy framework in
order to avoid money laundering
activities.
The KYC policy is now mandatory for
opening an account or making any
investment such as mutual funds.
Know Your Client
Source: Indian Bank's Association, Indian Banking Sector 2020, Pradhanmantri Jan Dhan Yojna, Business India, Aranca Research, NPCI website
Note: ^ - as of February 27, 2019
19. For updated information, please visit www.ibef.orgBanking19
NOTABLE TRENDS IN THE BANKING INDUSTRY
SECTOR … (4/4)
Source: Digital Lending Report 2018 - BCG
Note: E – Estimate, Omdiyar Network and the Boston Consulting Group (BCG)
India’s Digital Lending Forecast (US$ billion)
33
46
58
75
110
150
200
270
350
0
50
100
150
200
250
300
350
400
FY15
FY16
FY17
FY18
FY19E
FY20E
FY21E
FY22E
FY23E
Digital influence in the Indian banking sector has been growing
faster due to the rising digital footprint.
India’s digital lending stood at US$ 75 billion in FY18.
Digital lending is estimated to reach US$ 1 trillion by FY2023 driven
by the five-fold increase in the digital disbursements.
Digital lending to micro, small and medium enterprises (MSMEs) in
India is expected to reach US$ 100 billion by 2023.
20. For updated information, please visit www.ibef.orgBanking20
MOBILE BANKING TO PROVIDE A COST EFFECTIVE
SOLUTION … (1/2)
37.5
39.9 42.7
46.1 48.3
50.3
56.66
59.5
0
10
20
30
40
50
60
70
2011 2012 2013 2014 2015 2016 2017 2018
Source: TRAI, Aranca Research
Banking penetration in rural India picking pace
Soaring rural tele-density opens avenue of mobile banking (in
per cent)
Tele-density in rural India soared at a CAGR of nearly 6.70 per
cent during 2011 to 2018.
Banks, telecom providers & RBI are making efforts to make
inroads into the un-banked rural India through mobile banking
solutions.
Rural tele density reached 59.50 per cent in December 2018.
Of the 600,000 village habitations in India only 5 per cent
have a commercial bank branch.
Only 40 per cent of the adult population has bank accounts.
Debit card holders constitute only 13 per cent of the
population & only 2 per cent have a credit card.
51.4 per cent of nearly 89.3 million farm households do not
have access to any credit either from institutional or non-
institutional sources.
Only 13 per cent of farm households are availing loans from
the banks in the income bracket of < US$ 1000.
Agriculture requires timely credit to enable smooth
functioning. However, only one-eighth of farm households
avail bank credit.
Local money-lending practices involve interest rates well
above 30 per cent therefore making bank credit a compelling
alternative.
Note: * - As of December 2018
21. For updated information, please visit www.ibef.orgBanking21
MOBILE BANKING TO PROVIDE A COST EFFECTIVE
SOLUTION … (2/2)
Mobile
commerce
Payment of
bills
Mobile banking (fund
transfers, etc.)
Mobile
recharge
Mobile
remittances
Source: PWC, ‘Searching for new frontiers of growth’, Aranca Research, Reserve Bank of India
Robust asset growth
Mobile banking allows customers to avail banking services on the
move through their mobile phones. The growth of mobile banking
could impact the banking sector significantly.
Mobile banking is especially critical for countries like India, as it
promises to provide an opportunity to provide banking facilities to a
previously under-banked market.
RBI has taken several steps to enable mobile payments, which
forms an important part of mobile banking; the central bank has
recently removed the transaction limit of INR 50,000 (US$ 745.82)
& allowed banks to set their own limits.
Unified Payments Interface (UPI) in November recorded at 524.94
million increased 8.82 per cent from October 2018.
On UPI platform total value of transaction stood at Rs 82,232.21
crore (US$11.78 billion).
23. For updated information, please visit www.ibef.orgBanking23
STRATEGIES ADOPTED
Source: Indian Bank's Association, Indian Banking Sector 2020, Aranca Research
Similarly State Bank of India unveiled ‘SBI Mingle’, as social media banking platform for Twitter &
Facebook users.
Banks protect margins by promoting usage of efficient technologies like mobile & internet banking.
State Bank of India has created SBI Digi Bank, which has a financial superstore, an online market place
and a digital bank for end to end digitisation for all products and services.
In March 2018, Kotak Mahindra launched Keya, India’s first integrated voicebot, which can understand both
Hindi and English powered by Nuance. Keya combines conversational intelligence with human-like natural
dialogue. It ushers a new era of consumer interaction.
Increased use of
technology
Major banks tend to increase income by cross-selling products to their existing customers.
Foreign banks have been able to grow business, despite a much lower customer coverage.
Cross-selling
Expansion in unbanked rural regions helps banks to garner deposits.
Increasing tele-density and support of regulators have aided rural expansion.
Overall tele density reached 91.45 per cent in December 2018.
Capture latent demand
As of November 2017, State Bank of India (SBI) is planning to set up more branches in Nepal and re-enter
Vietnam under its three-year aim of growing its international operations to 15 per cent of its total business.
Although at a nascent stage, private & public banks are gradually expanding operations overseas.
Internationally, banks target India-based customers & investors, settled abroad.
Overseas expansion
25. For updated information, please visit www.ibef.orgBanking25
GROWTH DRIVERS OF INDIAN BANKING SECTOR
Favourable demographics
and rising income levels.
India ranks among the top
six economies with a GDP
of US$ 2,597 in 2017 and
economy is forecasted to
grow at 7.3 per cent in
2018.
The sector will benefit from
structural economic stability
and continued credibility of
Monetary Policy.
The government passed the
Banking Regulation
(Amendment) Bill 2017,
which will empower RBI to
deal with NPAs in the
banking sector.
The Insolvency and
Bankruptcy Code
(Amendment) Ordinance,
2017 Bill has been passed
by Rajya Sabha and is
expected to strengthen the
banking sector^.
In May 2018, the
Government of India
provided Rs 6 trillion (US$
93 billion) loans to 120
million beneficiaries under
Mudra scheme.
Policy support
India currently spends 6 per
cent of GDP on
infrastructure; NITI Aayog
expects this fraction to grow
going ahead.
As per the Union Budget
2018-19, the Indian
infrastructure sector
requires an investment of
Rs 50 lakh crore (US$ 772
billion).
Infrastructure financing
Reserve Bank of India (RBI)
has decided to set up Public
Credit Registry (PCR) an
extensive database of credit
information which is
accessible to all
stakeholders.
The Government of India is
planning to inject Rs 42,000
crore (US$ 5.99 billion) in
the public sector banks by
March 2019 and will infuse
the next tranche of
recapitalisation by mid-
December 2018.
On January 01, 2018, new
norms for restructuring of
existing loans to Micro,
Small and Medium
enterprises (MSMEs) have
been released by the
Reserve Bank of India
(RBI).
Economic and demographic
drivers
Government initiatives
Notes: GDP - Gross Domestic Product, KYC - Know Your Customer, RBI - Reserve Bank of India, NPA – non-performing assets, ^ - as of January 3, 2018
The scheme was launched
on March 28, 2018 to
provide social security to
elderly people by providing
Rs 10,000 (US$ 155)
pension per month.
The scheme has
subscription limit till 31st
March 2020.
The scheme has investment
limit of Rs 15 lakh (US$
23,274).
Pradhan Mantri Vaya
Vandana Yojna
The Government of India
plans to allow Common
Service Centers (CSC) to
offer banking services.
Common Service Center
(CSC)
Source: World Development Indicators database by World Bank, WEO Update July 2018
26. For updated information, please visit www.ibef.orgBanking26
STRONG ECONOMIC GROWTH TO PROPEL BANKING
SECTOR EXPANSION
802.01
860.13 886.92
1,461.67
1,606.04
1,939.61
0
500
1,000
1,500
2,000
2,500
2011 2015 2017
Population GDP-RHS
Source: World Bank
Note: E - Expected, GDP - Gross Domestic Product
Rising per capita income will lead to increase in the fraction of the
Indian population that uses banking services.
Population in 15-64 age group is expected to grow strongly going
ahead, giving further push to the number of customers in banking
sector.
Visakhapatnam port traffic (million tonnes)
India’s working age population (in million) and GDP per capita
current (US$ )
27. For updated information, please visit www.ibef.orgBanking27
313.23
307.64
318.41
342.37
340.29
372.09
414.30
381.980
50
100
150
200
250
300
350
400
450
FY12 FY13 FY14 FY15 FY16 FY17* FY18** FY19***
RISING RURAL INCOME PUSHING UP DEMAND FOR
BANKING
1,875
2,167
2,667
3,229
0
500
1,000
1,500
2,000
2,500
3,000
3,500
2010 2015 2020 2025
CAGR 3.6%
Source: McKinsey estimates, Ministry of Agriculture, Aranca Research
Note: * 2nd revised estimates, ** 1st advance estimates, *** 2nd Advance Estimate
GDP of agriculture, forestry and fishing sector, at current
prices (US$ billion)
Real Disposable household income in rural India (US$)
The real annual disposable household income in rural India is forecasted to grow at a CAGR of 3.6 per cent over the next 15 years.
GVA from India’s agriculture, forestry & fishing sector has grown to US$ 381.91 billion in 2018-19*** grew at a CAGR of 2.88 per cent over FY 12
– FY19***.
Rising incomes are expected to enhance the need for banking services in rural areas & therefore drive growth of the sector. Programmes like
MNREGA have helped in increasing rural income, which was further aided by the recent Jan Dhan Yojana.
CAGR 2.88%
28. For updated information, please visit www.ibef.orgBanking28
HOUSING AND PERSONAL FINANCE HAVE BEEN KEY
DRIVERS … (1/2)
53.90
66.90
76.40
74.80
84.10
89.70
102.90
114.10
133.10
151.21
151.99
0
20
40
60
80
100
120
140
160
FY09
FY10
FY11
FY12
FY13
FY14
FY15
FY16
FY17
FY18
FY19*
Source: Reserve Bank of India (RBI)
Notes: FY13: Data as on 22 March 2013, FY14: Data as on 21 March 2014, FY15: Data as on 20 March 2015, FY16: Data as on 18 March 2016, * - as of December 2018
Rapid urbanisation, decreasing household size & easier availability
of home loans has been driving demand for housing.
Personal finance, including housing finance provide an essential
cushion against volatility in corporate loans.
The recent improvement in property value have reduced the ratio of
loan to collateral value.
Credit to housing sector increased at a CAGR of 12.14 per cent
during FY09–18, wherein, value of credit to housing sector increased
from to US$ 114.1 billion in FY16 to US$ 151.2 billion in FY18 and
stood at Rs 10,966 billion (US$ 151.99 billion) in FY19*.
Demand in the low & mid-income segments exceeds supply
3 to 4 fold.
This has propelled demand for housing loan in the last few years.
Visakhapatnam port traffic (million tonnes)Growth in credit to housing finances (US$ billion)
29. For updated information, please visit www.ibef.orgBanking29
HOUSING AND PERSONAL FINANCE HAVE BEEN KEY
DRIVERS … (2/2)
54.70
63.30
74.90
73.30
81.20
82.30
88.10
98.60
111.60
144.90
139.03
0
20
40
60
80
100
120
140
160
FY09
FY10
FY11
FY12
FY13
FY14
FY15
FY16
FY17
FY18
FY19*
Source: Reserve Bank of India (RBI)
Note: FY13: Data as on 21 March 2013, FY14: Data as on 21 March 2014, FY15: Data as on 20 March 2015, FY16: Data as on 18 March 2016, FY18 Data as on 30 March 2018, * - as of
December 22, 2018
Growth in disposable income has been encouraging households to
raise their standard of living & boost demand for personal credit.
Credit under the personal finance segment (excluding housing) rose
at a CAGR of 9.89 per cent during FY09–18, and stood at US$ 144.9
billion in FY18 and stood at Rs 10,031 billion (US$ 139.03 billion) in
FY19*.
Unlike some other emerging markets, credit-induced consumption is
still less in India.
Visakhapatnam port traffic (million tonnes)Growth in personal finance excluding housing (US$ billion)
30. For updated information, please visit www.ibef.orgBanking30
SCHEMES BY GOVERNMENT
This scheme aims to
provide life insurance cover.
Premium: Rs. 330 (US$
4.92) per annum. It will be
auto-debited in one
instalment.
Risk Coverage: Rs. 2 lakh
(US$ 2,983.29) in case of
death for any reason.
Gross enrolment under the
scheme reached 53.3
million.^
Pradhan Mantri Jeevan Jyoti
Bima Yojana
Under the scheme,
subscribers would receive
the fixed pension of up to
Rs 5,000 (US$ 74.58) at the
age of 60 years (depending
on their contributions).
The Central Government
will also co-contribute 50
per cent of the subscriber's
contribution or Rs 1,000
(US$ 14.92) per annum,
whichever is lower, to each
eligible subscriber account,
for a period of 5 years.
8.6 million enrolments# have
been made under this
scheme since its launch and
the PFRDA is targeting 10
million accounts by March
2018.
In May 2018, the total
number of subscribers were
11 million.
Atal Pension Yojana
316.7 million accounts were
opened.*
Under the scheme, each &
every citizen will be enrolled
in a bank for opening a Zero
balance account.
Each person getting into this
scheme will get an Rs.
30,000 (US$ 447.49) life
cover with opening of the
account.
Overdraft limit under such
accounts is Rs 5,000 (US$
74.58).
Pradhan Mantri Jan Dhan
Yojana
This scheme is mainly for
accidental death insurance
cover for up to Rs. 2 lakh
(US$ 2,983.29).
Premium: Rs. 12 (US$ 0.18)
per annum.
Risk Coverage: For
accidental death and full
disability - Rs. 2 lakh (US$
2,983.29) and for partial
disability – Rs. 1 lakh (US$
1,491.65).
Gross enrolment under the
scheme reached 134.8
million.^
Pradhan Mantri Suraksha
Bima Yojana
Source: News Articles, Pradhanmantri Jan Dhan Yojna, PMO, Aranca Research
Note: PFRDA – Pension Fund Regulatory and Development Authority of India, ^ - as of April 4, 2018, * - as of May 23 2018, # - as of February 2018.
Approved extension of Rs
343 crore (US$ 51.16
million) to be infused for
three years till FY20 in
regional rural banks (RRBs)
which will strengthen their
lending capacity.
Capital Infusion Scheme
31. For updated information, please visit www.ibef.orgBanking31
INCREASING M&A AND INVESTMENT ACTIVITIES
Source: News Articles, EY Transaction Annual Report highlights of 2017 and Outlook 2018, Microfinancies Institution Network
93.4%
3.8%
2.9%
NBFC Diversified financial services Banking
Visakhapatnam port traffic (million tonnes)Deal Value in 2017* The consolidated M&A activities are driven by NBFC and banking
sector.
The total value of mergers and acquisition during 2017 in NBFC,
diversified financial services and banking was US$ 2,564 million,
US$ 103 million and US$ 79 million respectively.
The Government of India has approved the amalgamation scheme
for Bank of Baroda, Vijaya Bank and Dena Bank, the
commencement of which will start from April 01, 2019.
In 2017, RBL Bank Limited increased its stake in Swadhaar Finserve
Private Limited from 30 per cent to 58.4 per cent.
In 2017, Fortune Financial Services (India) Limited (FFSIL)
amalgamated with Fortune Integrated Assets Finance Limited
(FIAFL) by acquiring its remaining 75 per cent stake in FIAFL from
Wind Construction Private Limited.
The biggest merger deal of 2017 was in the microfinance segment of
IndusInd Bank Limited and Bharat Financial Inclusion Limited of US$
2.4 billion.
The total equity funding's of microfinance sector grew at the rate of
39.88 year-on-year to Rs 96.31 billion (US$ 4.49 billion) in 2017-18
from Rs 68.85 billion (US$ 1.03 billion).
Note: * - 2018 update expected by April 2019 from the EY Transaction Annual Report highlights
33. For updated information, please visit www.ibef.orgBanking33
INDUSTRY ORGANISATIONS
World Trade Centre, 6th Floor
Centre 1 Building,
World Trade Centre Complex,
Cuff Parade, Mumbai - 400 005, India
E-mail: webmaster@iba.org.in
Indian Banks' Association
35. For updated information, please visit www.ibef.orgBanking35
GLOSSARY
ATM: Automated Teller Machines
CAGR: Compound Annual Growth Rate
FY: Indian Financial Year (April to March)
GDP: Gross Domestic Product
INR: Indian Rupee
KYC: Know Your Customer
NIM: Net Interest Margin
NPA: Non-Performing Assets
RBI: Reserve Bank of India
US$ : US Dollar
Wherever applicable, numbers have been rounded off to the nearest whole number
36. For updated information, please visit www.ibef.orgBanking36
EXCHANGE RATES
Exchange Rates (Fiscal Year) Exchange Rates (Calendar Year)
Year INR INR Equivalent of one US$
2004–05 44.95
2005–06 44.28
2006–07 45.29
2007–08 40.24
2008–09 45.91
2009–10 47.42
2010–11 45.58
2011–12 47.95
2012–13 54.45
2013–14 60.50
2014-15 61.15
2015-16 65.46
2016-17 67.09
2017-18 64.45
Q1 2018-19 67.04
Q2 2018-19 70.18
Q3 2018-19 72.15
Year INR Equivalent of one US$
2005 44.11
2006 45.33
2007 41.29
2008 43.42
2009 48.35
2010 45.74
2011 46.67
2012 53.49
2013 58.63
2014 61.03
2015 64.15
2016 67.21
2017 65.12
2018 68.36
Source: Reserve Bank of India, Average for the year
37. For updated information, please visit www.ibef.orgBanking37
DISCLAIMER
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