Strength
•Download as DOCX, PDF•
0 likes•63 views
SBI is well positioned for growth in the coming years driven by increasing low-cost deposits to improve earnings, expanding their retail and SME businesses to drive higher business growth, and leveraging strong economic growth to meet higher corporate credit demand. However, risks include operating at a lower capital adequacy ratio which could restrict growth, increased competition slowing retail growth and earnings, high credit risk from focusing on retail loans, losing market share due to delays in technology upgrades, and a potential pension shortfall impacting earnings.
Report
Share
Report
Share
Recommended
N srinivasan
1) Microfinance in India saw high growth rates in 2008-2009, with MFIs adding more new clients than the self-help group banking linkage program (SBLP). 2) Total microfinance clients increased from 61.2 million to 76.6 million, with MFI loan volumes growing from Rs. 59.5 billion to Rs. 117.34 billion. 3) The top five MFIs - SKS, Spandana, Share, Bandhan, and Asmita - accounted for over 88% of total MFI loans and served over 11 million clients collectively.
2010 Lpl Outlook
The document discusses the economic outlook for 2010, noting that while markets are expected to perform well initially due to policy "tailwinds", challenges are anticipated in the second half of the year as these tailwinds fade or become headwinds. It recommends overweighting stocks, cyclical sectors, and emerging markets initially, but becoming more defensive later in 2010.
04 003-executive summary
This document summarizes a study on improving small and medium enterprises' (SME) access to financing in ASEAN countries. It finds that SME primarily rely on internal funds and informal financing, with formal financing making up less than 25% of funding needs. While many banks are interested in SME loans, they face impediments including risk aversion, a lack of skills in evaluating SME, and legal/regulatory frameworks that do not adequately support SME lending. The study recommends strategies at both the national and regional level to address these issues, such as improving credit guarantee programs, engaging non-bank lenders, standardizing SME definitions, and increasing skills development for evaluating SME loans.
2003 Specialty Income Trusts
- Income trusts have become popular investments as they provide stable income in a low interest rate environment when stock and bond returns are uncertain.
- Income trusts work by pooling assets that generate cash flow, then distributing most cash flows to unitholders as dividends. This structure provides tax advantages over corporations.
- The document discusses the history and structure of income trusts, how they provide tax efficiency compared to corporations, and factors influencing their popularity as investments.
Ir hci 1 q14_eng_f
Thank you for the presentation. Please let me know if you need any clarification or have additional questions.
Fund Fact Sheet Flexi Plus Juni 2018
This document provides a summary of a fund's performance and strategy. It had a year-to-date return of 1,849% and aims to balance risk and reward through a risk-weighted portfolio approach. The fund update notes that the Jakarta Composite Index continued to decline in June due to losses in banking, property, and plantation stocks. Foreign investors have been pulling money out of Indonesian markets due to concerns over emerging markets and protectionism. Meanwhile, inflation remains under control in Indonesia.
research report
The RBI released data on credit deployment by Indian banks in April 2012. Key highlights include:
- Non-food credit growth was 16.5% YoY, declining from the previous month.
- Industrial loans grew faster than retail or agriculture loans. Mining, metals and cement saw strong growth.
- Infrastructure loan growth moderated further. Power and roads saw healthy growth while telecom declined.
- Personal and housing loan growth also moderated. Vehicle, education and credit card loans grew strongly.
- Services loan growth was driven by NBFCs and trade. Agricultural loan growth improved YoY.
Olympic Wealth Fund, 'Marathon Fund' Fact sheet February 2015
The Marathon Freedom Fund SP Fund Fact Sheet provides information on the fund's performance, holdings, and details. Since its launch in May 2013, the Class A shares have generated a cumulative return of 103.81% and a return of 125.46% in 2015. The top four holdings are Apple, Union Pacific, Schlumberger Ltd., and Micron Technology Inc., comprising 40%, 39%, 11%, and 10% of the portfolio respectively. The fund seeks to offer global equity exposure using Warren Buffett's value investing approach.
Recommended
N srinivasan
1) Microfinance in India saw high growth rates in 2008-2009, with MFIs adding more new clients than the self-help group banking linkage program (SBLP). 2) Total microfinance clients increased from 61.2 million to 76.6 million, with MFI loan volumes growing from Rs. 59.5 billion to Rs. 117.34 billion. 3) The top five MFIs - SKS, Spandana, Share, Bandhan, and Asmita - accounted for over 88% of total MFI loans and served over 11 million clients collectively.
2010 Lpl Outlook
The document discusses the economic outlook for 2010, noting that while markets are expected to perform well initially due to policy "tailwinds", challenges are anticipated in the second half of the year as these tailwinds fade or become headwinds. It recommends overweighting stocks, cyclical sectors, and emerging markets initially, but becoming more defensive later in 2010.
04 003-executive summary
This document summarizes a study on improving small and medium enterprises' (SME) access to financing in ASEAN countries. It finds that SME primarily rely on internal funds and informal financing, with formal financing making up less than 25% of funding needs. While many banks are interested in SME loans, they face impediments including risk aversion, a lack of skills in evaluating SME, and legal/regulatory frameworks that do not adequately support SME lending. The study recommends strategies at both the national and regional level to address these issues, such as improving credit guarantee programs, engaging non-bank lenders, standardizing SME definitions, and increasing skills development for evaluating SME loans.
2003 Specialty Income Trusts
- Income trusts have become popular investments as they provide stable income in a low interest rate environment when stock and bond returns are uncertain.
- Income trusts work by pooling assets that generate cash flow, then distributing most cash flows to unitholders as dividends. This structure provides tax advantages over corporations.
- The document discusses the history and structure of income trusts, how they provide tax efficiency compared to corporations, and factors influencing their popularity as investments.
Ir hci 1 q14_eng_f
Thank you for the presentation. Please let me know if you need any clarification or have additional questions.
Fund Fact Sheet Flexi Plus Juni 2018
This document provides a summary of a fund's performance and strategy. It had a year-to-date return of 1,849% and aims to balance risk and reward through a risk-weighted portfolio approach. The fund update notes that the Jakarta Composite Index continued to decline in June due to losses in banking, property, and plantation stocks. Foreign investors have been pulling money out of Indonesian markets due to concerns over emerging markets and protectionism. Meanwhile, inflation remains under control in Indonesia.
research report
The RBI released data on credit deployment by Indian banks in April 2012. Key highlights include:
- Non-food credit growth was 16.5% YoY, declining from the previous month.
- Industrial loans grew faster than retail or agriculture loans. Mining, metals and cement saw strong growth.
- Infrastructure loan growth moderated further. Power and roads saw healthy growth while telecom declined.
- Personal and housing loan growth also moderated. Vehicle, education and credit card loans grew strongly.
- Services loan growth was driven by NBFCs and trade. Agricultural loan growth improved YoY.
Olympic Wealth Fund, 'Marathon Fund' Fact sheet February 2015
The Marathon Freedom Fund SP Fund Fact Sheet provides information on the fund's performance, holdings, and details. Since its launch in May 2013, the Class A shares have generated a cumulative return of 103.81% and a return of 125.46% in 2015. The top four holdings are Apple, Union Pacific, Schlumberger Ltd., and Micron Technology Inc., comprising 40%, 39%, 11%, and 10% of the portfolio respectively. The fund seeks to offer global equity exposure using Warren Buffett's value investing approach.
Hyre Weekly Commentary
- The Federal Reserve announced it would sell short-term Treasury securities and buy longer-term securities to lower interest rates and stimulate the economy, which succeeded in lowering bond yields. However, the stock market declined 6.4% as fears grew of a Greek default and slowing global economic growth.
- While price appreciation gets more attention, dividends have accounted for about one-third of stock market returns over 80 years and allowed investors to benefit in both rising and falling markets. Receiving and reinvesting dividends added an average of 2.3% annually to S&P 500 returns over the past decade.
CFA Institute Research Challenge Sterling Financial Corporation (STSA) resear...
Sterling Financial Corporation is a regional bank headquartered in Washington state that was heavily impacted by the financial crisis but has since recovered through recapitalization efforts. The report recommends holding Sterling stock with a price target of $19.46, a 5% increase, citing improving financial trends, a diversified loan portfolio, and growth strategies around loan originations and acquisitions. However, risks remain from economic uncertainty and interest rate pressures on margins.
JPM_f16
The report recommends a HOLD rating for JPMorgan Chase & Co. (JPM) stock. While JPM has outperformed expectations in recent quarters and should benefit from economic growth, it also faces regulatory headwinds and risks from complex assets and liabilities on and off its balance sheet. The report forecasts 4-6% revenue and earnings growth for JPM over the next few years, but maintains a HOLD rating due to concerns around its risk profile and ability to maintain profitability under new regulations.
Presentation slides sbfm 2021 final
The BBB Small Business Finance Markets Report 2020/21 provides an in-depth analysis of the impact of Covid-19 on smaller businesses in the UK and their outlook on recovery.
The importance of trade finance to economic growth - Edward Faber
The importance of trade finance to economic growth presentation by Edward Faber at the SWIFT Business Forum Philppines.
Central Bank of Finnish Savings Banks - Full Rating report in English
Central Bank of Savings Banks Finland Plc is the central credit institution of Savings Banks Group in Finland. Standard & Poor's rates Central Bank of Savings Banks with an A- long-term issuer credit rating with a negative outlook. The rating reflects Savings Banks Group's weak business position due to its concentrated operations in Finland, very strong capitalization, and moderate risk position due to loan concentration. The negative outlook reflects risks from Finland's weak economic recovery and potential changes to extraordinary government support under new EU resolution frameworks.
Banking Crises and Instruments to Deal With Them (1)
This document discusses options for dealing with weak banks during a banking crisis. It begins by explaining the negative effects of one bank collapsing, including depositors withdrawing funds from other banks due to loss of confidence in the system. Common options for dealing with weak banks include regulatory forbearance, which has significant downsides like increasing moral hazard, and raising new capital. The document analyzes example bank balance sheets to illustrate the risks of options like regulatory forbearance that allow banks to continue operating with negative capital. Overall it evaluates how different resolution methods allocate losses to various stakeholders during a banking crisis.
Capital Structure
A corporation finances itself through a combination of equity and debt. The capital structure should be designed to maximize the long-term market valuation of the firm. The determinants of a company's capital structure include the type of assets financed, the nature of the industry, the degree of competition, potential for obsolescence, the product life cycle stage, financial policies, past capital structure decisions, issues of corporate control, and credit ratings.
Crm Activities by SBI
The presentation is about the CRM activities of SBI. This ppt also provide various statistics on why CRM is importance.
SBI
Spatial business intelligence (SBI) uses location data and analytics to understand "where" beyond traditional business intelligence's "who", "what", and "when". SBI visualizes trends to help scientists and decision-makers understand "why". It provides advanced location analytics and supports multiple BI solutions while enabling bidirectional data flow between maps and dashboards. SBI solutions offer location options for enterprise infrastructure and big data challenges. SBI allows visualizing relationships through techniques like clustering, density maps, and heat maps. Producing prospectivity maps involves processing geoscience data through weighted modeling methods to identify hydrocarbon prospective areas. SBI helps understand a play's prospectivity by identifying optimal parameter combinations in fairways and incorporating valuation models.
Ratio Analysis Of Sbi
The document discusses the financial performance and ratios of State Bank of India. It provides details of SBI's subsidiaries and growth in business. SBI saw increases in deposits, advances, net profit and market share in the previous year. However, some ratios like capital structure and integrated ratios are decreasing which could signal future problems. While profitability is improving, the net profit ratio is not increasing satisfactorily and may not ensure adequate returns. Overall, the document analyzes SBI's financial ratios to evaluate its performance and potential risks.
CRM at ICICI bank
This document discusses the implementation of customer relationship management (CRM) practices at ICICI Bank, a major private bank in India. It provides an overview of ICICI Bank's CRM strategy, which involves understanding customers, developing customized products and services, interacting with and delivering value to customers, and acquiring and retaining valuable customers. The key aspects of implementing CRM at ICICI Bank included focusing on business needs, organizational structure, metrics, marketing, and technology. ICICI Bank deployed a CRM solution from Siebel and a data warehouse to gain insights from customer data and better manage customer relationships.
Comparison between public sector & private sector
The document provides an overview of public sector and private sector banks in India. It discusses that scheduled commercial banks in India are categorized into five groups according to ownership, including public sector banks, private sector banks, and foreign banks. Public sector banks are majority owned by the government, while private sector banks were established to better serve economic needs as public sector banks lacked profit incentives. The document then provides details on the functions of public and private sector banks in India.
Tally project
Tally is an accounting software that was first released in 1988. It has gone through several versions with updated features. The latest version is Tally 9, which includes features like payroll, excise, TDS, e-filing and inventory management. Tally is designed to simplify accounting tasks like ledger maintenance, voucher entry, report generation and stock management for businesses. It organizes accounting data into groups and ledgers to help generate financial statements and analyze business performance. Tally can help provide self-employment opportunities for youth by enabling them to start their own accounting business with minimal investment needed.
Indian Banking Sector
The document provides an overview and outlook of the Indian banking sector in September 2009. It discusses macroeconomic factors like excess liquidity, inflation, GDP growth and interest rates. It then covers differences between developed and emerging markets. The banking sector outlook highlights opportunities for growth in India given low credit penetration. Key risks mentioned are rising NPAs, interest rates and global economic recovery. Performance of public and private sector banks in Q1 2010 and future outlook are also summarized.
Local Bank Financial Constraints and Firm Access To E-Fin.pptx
The document discusses the financial constraints and limited access to external capital that urban cooperative banks (UCBs) in India face. It notes that UCBs rely primarily on retained profits and member contributions to raise capital. The options to issue preference shares or long-term deposits to raise funds are not very attractive to investors. UCBs also face restrictions on their lending activities, such as limits on unsecured loans and loans to relatives of directors. The capital and lending constraints can prevent UCBs from pursuing profitable investment opportunities and lead to underinvestment.
MSME Summit - MSMEs Issues and Challenges (Finance related) - Part - 11
MSMEs face significant challenges obtaining financing from banks and other financial institutions. Specifically, MSMEs struggle with high interest rates on loans, a lack of adequate collateral to secure loans, and bank policies that favor established businesses with financial records and collateral over new startups. Additionally, MSMEs have limited access to equity financing from venture capitalists due to stringent funding requirements from VCs and a lack of connections in the VC industry. These financing difficulties constrain the growth and competitiveness of MSMEs in India.
Banking challenges IE MBA Ardyan Gumanti
IE Essay to answer Question H. What do you believe are the greatest challenges facing the sector or industry you would like to specialize in at IE? What role do you hope to be able to play in this sector or industry in the medium term?
White Paper India Banking 2010
The document discusses the opportunities and challenges facing India's banking sector in 2010. It analyzes three possible scenarios - high performance, evolution, and stagnation - depending on the actions taken by policymakers and bank management. For high performance, it emphasizes the need for industry consolidation, increased capital availability, strengthened regulation and corporate governance, and support for new technologies. Both policymakers and management must take decisive steps to build an enabling framework and upgrade capabilities for the banking sector to fulfill its potential in fueling India's economic growth.
Various Issues Related to Finance
This presentation is about the various issues and challenges related to finance that are faced by MSMEs in India.
Banking Sector Q4FY15 preview: Asset quality will remain under pressure
- Loan growth for state-owned banks is expected to be moderate at 10-11% YoY due to weak corporate demand and capital conservation efforts, while private banks may see higher growth of 18-20% due to strong retail loans.
- Asset quality is likely to remain under pressure with high slippages of 2.4% and increased restructuring as the RBI forbearance period ends. Stress additions will be a key factor for state-owned bank earnings.
- Net interest margins are expected to be stable for most banks, while treasury gains from falling bond yields and provision reversals may support earnings. However, retail fees growth and high operating expenses will impact state-owned bank profits.
- The
Making NBFCs relevant to ‘Make-in India’& ‘Start-up India, Stand-up India’ - ...
The dynamic and evolving NBFC sector necessitates reforms and evolution to ensure orderly growth. While NBFCs have been on the growth trajectory over the years, there are few areas of concern which need to be addressed. The key challenges have been highlighted below:
More Related Content
What's hot
Hyre Weekly Commentary
- The Federal Reserve announced it would sell short-term Treasury securities and buy longer-term securities to lower interest rates and stimulate the economy, which succeeded in lowering bond yields. However, the stock market declined 6.4% as fears grew of a Greek default and slowing global economic growth.
- While price appreciation gets more attention, dividends have accounted for about one-third of stock market returns over 80 years and allowed investors to benefit in both rising and falling markets. Receiving and reinvesting dividends added an average of 2.3% annually to S&P 500 returns over the past decade.
CFA Institute Research Challenge Sterling Financial Corporation (STSA) resear...
Sterling Financial Corporation is a regional bank headquartered in Washington state that was heavily impacted by the financial crisis but has since recovered through recapitalization efforts. The report recommends holding Sterling stock with a price target of $19.46, a 5% increase, citing improving financial trends, a diversified loan portfolio, and growth strategies around loan originations and acquisitions. However, risks remain from economic uncertainty and interest rate pressures on margins.
JPM_f16
The report recommends a HOLD rating for JPMorgan Chase & Co. (JPM) stock. While JPM has outperformed expectations in recent quarters and should benefit from economic growth, it also faces regulatory headwinds and risks from complex assets and liabilities on and off its balance sheet. The report forecasts 4-6% revenue and earnings growth for JPM over the next few years, but maintains a HOLD rating due to concerns around its risk profile and ability to maintain profitability under new regulations.
Presentation slides sbfm 2021 final
The BBB Small Business Finance Markets Report 2020/21 provides an in-depth analysis of the impact of Covid-19 on smaller businesses in the UK and their outlook on recovery.
The importance of trade finance to economic growth - Edward Faber
The importance of trade finance to economic growth presentation by Edward Faber at the SWIFT Business Forum Philppines.
Central Bank of Finnish Savings Banks - Full Rating report in English
Central Bank of Savings Banks Finland Plc is the central credit institution of Savings Banks Group in Finland. Standard & Poor's rates Central Bank of Savings Banks with an A- long-term issuer credit rating with a negative outlook. The rating reflects Savings Banks Group's weak business position due to its concentrated operations in Finland, very strong capitalization, and moderate risk position due to loan concentration. The negative outlook reflects risks from Finland's weak economic recovery and potential changes to extraordinary government support under new EU resolution frameworks.
Banking Crises and Instruments to Deal With Them (1)
This document discusses options for dealing with weak banks during a banking crisis. It begins by explaining the negative effects of one bank collapsing, including depositors withdrawing funds from other banks due to loss of confidence in the system. Common options for dealing with weak banks include regulatory forbearance, which has significant downsides like increasing moral hazard, and raising new capital. The document analyzes example bank balance sheets to illustrate the risks of options like regulatory forbearance that allow banks to continue operating with negative capital. Overall it evaluates how different resolution methods allocate losses to various stakeholders during a banking crisis.
Capital Structure
A corporation finances itself through a combination of equity and debt. The capital structure should be designed to maximize the long-term market valuation of the firm. The determinants of a company's capital structure include the type of assets financed, the nature of the industry, the degree of competition, potential for obsolescence, the product life cycle stage, financial policies, past capital structure decisions, issues of corporate control, and credit ratings.
What's hot (8)
CFA Institute Research Challenge Sterling Financial Corporation (STSA) resear...
CFA Institute Research Challenge Sterling Financial Corporation (STSA) resear...
The importance of trade finance to economic growth - Edward Faber
The importance of trade finance to economic growth - Edward Faber
Central Bank of Finnish Savings Banks - Full Rating report in English
Central Bank of Finnish Savings Banks - Full Rating report in English
Banking Crises and Instruments to Deal With Them (1)
Banking Crises and Instruments to Deal With Them (1)
Viewers also liked
Crm Activities by SBI
The presentation is about the CRM activities of SBI. This ppt also provide various statistics on why CRM is importance.
SBI
Spatial business intelligence (SBI) uses location data and analytics to understand "where" beyond traditional business intelligence's "who", "what", and "when". SBI visualizes trends to help scientists and decision-makers understand "why". It provides advanced location analytics and supports multiple BI solutions while enabling bidirectional data flow between maps and dashboards. SBI solutions offer location options for enterprise infrastructure and big data challenges. SBI allows visualizing relationships through techniques like clustering, density maps, and heat maps. Producing prospectivity maps involves processing geoscience data through weighted modeling methods to identify hydrocarbon prospective areas. SBI helps understand a play's prospectivity by identifying optimal parameter combinations in fairways and incorporating valuation models.
Ratio Analysis Of Sbi
The document discusses the financial performance and ratios of State Bank of India. It provides details of SBI's subsidiaries and growth in business. SBI saw increases in deposits, advances, net profit and market share in the previous year. However, some ratios like capital structure and integrated ratios are decreasing which could signal future problems. While profitability is improving, the net profit ratio is not increasing satisfactorily and may not ensure adequate returns. Overall, the document analyzes SBI's financial ratios to evaluate its performance and potential risks.
CRM at ICICI bank
This document discusses the implementation of customer relationship management (CRM) practices at ICICI Bank, a major private bank in India. It provides an overview of ICICI Bank's CRM strategy, which involves understanding customers, developing customized products and services, interacting with and delivering value to customers, and acquiring and retaining valuable customers. The key aspects of implementing CRM at ICICI Bank included focusing on business needs, organizational structure, metrics, marketing, and technology. ICICI Bank deployed a CRM solution from Siebel and a data warehouse to gain insights from customer data and better manage customer relationships.
Comparison between public sector & private sector
The document provides an overview of public sector and private sector banks in India. It discusses that scheduled commercial banks in India are categorized into five groups according to ownership, including public sector banks, private sector banks, and foreign banks. Public sector banks are majority owned by the government, while private sector banks were established to better serve economic needs as public sector banks lacked profit incentives. The document then provides details on the functions of public and private sector banks in India.
Tally project
Tally is an accounting software that was first released in 1988. It has gone through several versions with updated features. The latest version is Tally 9, which includes features like payroll, excise, TDS, e-filing and inventory management. Tally is designed to simplify accounting tasks like ledger maintenance, voucher entry, report generation and stock management for businesses. It organizes accounting data into groups and ledgers to help generate financial statements and analyze business performance. Tally can help provide self-employment opportunities for youth by enabling them to start their own accounting business with minimal investment needed.
Viewers also liked (6)
Similar to Strength
Indian Banking Sector
The document provides an overview and outlook of the Indian banking sector in September 2009. It discusses macroeconomic factors like excess liquidity, inflation, GDP growth and interest rates. It then covers differences between developed and emerging markets. The banking sector outlook highlights opportunities for growth in India given low credit penetration. Key risks mentioned are rising NPAs, interest rates and global economic recovery. Performance of public and private sector banks in Q1 2010 and future outlook are also summarized.
Local Bank Financial Constraints and Firm Access To E-Fin.pptx
The document discusses the financial constraints and limited access to external capital that urban cooperative banks (UCBs) in India face. It notes that UCBs rely primarily on retained profits and member contributions to raise capital. The options to issue preference shares or long-term deposits to raise funds are not very attractive to investors. UCBs also face restrictions on their lending activities, such as limits on unsecured loans and loans to relatives of directors. The capital and lending constraints can prevent UCBs from pursuing profitable investment opportunities and lead to underinvestment.
MSME Summit - MSMEs Issues and Challenges (Finance related) - Part - 11
MSMEs face significant challenges obtaining financing from banks and other financial institutions. Specifically, MSMEs struggle with high interest rates on loans, a lack of adequate collateral to secure loans, and bank policies that favor established businesses with financial records and collateral over new startups. Additionally, MSMEs have limited access to equity financing from venture capitalists due to stringent funding requirements from VCs and a lack of connections in the VC industry. These financing difficulties constrain the growth and competitiveness of MSMEs in India.
Banking challenges IE MBA Ardyan Gumanti
IE Essay to answer Question H. What do you believe are the greatest challenges facing the sector or industry you would like to specialize in at IE? What role do you hope to be able to play in this sector or industry in the medium term?
White Paper India Banking 2010
The document discusses the opportunities and challenges facing India's banking sector in 2010. It analyzes three possible scenarios - high performance, evolution, and stagnation - depending on the actions taken by policymakers and bank management. For high performance, it emphasizes the need for industry consolidation, increased capital availability, strengthened regulation and corporate governance, and support for new technologies. Both policymakers and management must take decisive steps to build an enabling framework and upgrade capabilities for the banking sector to fulfill its potential in fueling India's economic growth.
Various Issues Related to Finance
This presentation is about the various issues and challenges related to finance that are faced by MSMEs in India.
Banking Sector Q4FY15 preview: Asset quality will remain under pressure
- Loan growth for state-owned banks is expected to be moderate at 10-11% YoY due to weak corporate demand and capital conservation efforts, while private banks may see higher growth of 18-20% due to strong retail loans.
- Asset quality is likely to remain under pressure with high slippages of 2.4% and increased restructuring as the RBI forbearance period ends. Stress additions will be a key factor for state-owned bank earnings.
- Net interest margins are expected to be stable for most banks, while treasury gains from falling bond yields and provision reversals may support earnings. However, retail fees growth and high operating expenses will impact state-owned bank profits.
- The
Making NBFCs relevant to ‘Make-in India’& ‘Start-up India, Stand-up India’ - ...
The dynamic and evolving NBFC sector necessitates reforms and evolution to ensure orderly growth. While NBFCs have been on the growth trajectory over the years, there are few areas of concern which need to be addressed. The key challenges have been highlighted below:
Perception On Meltdown By Ars
The global financial crisis began with the bursting of the US housing bubble and high default rates on subprime mortgages, which major banks had invested heavily in. When the housing market collapsed, these banks reported over $435 billion in losses. India was impacted through reductions in foreign institutional investment as these funds were called back overseas. This removed excess liquidity from the Indian economy and led to a slowdown. Small and medium enterprises have faced declining demand and difficulties obtaining financing. Infrastructure projects remain important for growth, but overall the economy has slowed significantly due to reduced foreign investment.
Financial services banking
1. The document discusses the structure and regulation of India's banking industry, which is dominated by public sector banks that account for 65% of credit. 2. It analyzes key metrics like non-performing assets, credit composition, profitability, and financial inclusion efforts. 3. The challenges facing the Indian banking sector are increasing infrastructure loan stress, the need for bank consolidation, competition in retail banking, and improving risk management and customer grievance redressal.
634940986984490399
Bank
-
-
-
ICICI Securities
0.5
0.5
-
-
-
-
ICICI Home Finance
0.5
0.5
0.5
0.5
0.5
0.5
ICICI Venture Funds
0.1
0.1
0.1
0.1
0.1
0.1
ICICI Intl
0.5
0.5
0.5
-
-
-
ICICI Canada
0.
634891048388871123
The document summarizes the performance of Indian banks in the second quarter of fiscal year 2013. It finds that private banks continued to outperform, with stable or improving margins, strong loan growth, and contained asset quality issues. However, public sector banks struggled with rising stress levels, declining margins due to higher funding costs and slippages, and deteriorating asset quality. Overall, private banks met or exceeded expectations while most public sector banks disappointed due to higher than expected stress on asset quality and a fall in net interest margins. Asset quality trends will remain the key determinant of valuations going forward.
YESBAN 2 Mar 2015 Final Memo
- Yes Bank is an Indian private sector bank that has grown to become the 4th largest private bank in India. It has over 600 branches with a focus in Northern and Western India.
- The document recommends Yes Bank as a strong buy due to its strong financials, shift towards a retail-led strategy that will boost profit margins, and potential interest rate cuts that will support loan growth.
- Yes Bank has successfully increased its lower-cost current and savings account deposits while maintaining strong asset quality and profitability. It is poised for further growth as it expands its retail presence.
SNIPPETS-081016
The Reserve Bank of India lowered the benchmark repo rate by 25 basis points to 6.25%, the lowest in 6 years, in an effort to stimulate the economy despite inflation forecasts slightly above target. New guidelines on stressed assets will allow banks to classify only the unsustainable part of restructured loans as bad, providing relief to banks burdened by bad loans. Fintech startups are positioning themselves to gain business from banks and financial institutions that are struggling to keep up with growing online markets, by offering services like easy EMI payment options directly on e-commerce sites. Delinquencies in loans against property (LAP) are expected to rise above 5% over the next four quarters, with non-banking financial companies facing more
Non performing assets
Non-performing assets (NPAs) in the Indian banking system have significantly increased in recent years. NPAs totaled around 2.5 lakh crores (approximately $37 billion) by the end of March 2015, equal to the budget of the state of Uttar Pradesh. State-run banks account for two-thirds of total loans but 80% of bad assets. Rising NPAs hurt bank profitability, constrain new lending, and undermine public confidence in the banking system if left unaddressed. The majority of the increased NPAs have occurred in public sector banks that extensively lent to corporates between the early 2000s and 2008; many of these companies subsequently struggled amid a global slowdown.
SLS Webinar- ANAND -ppt.pptx
RBI took several measures to provide liquidity and ease financial stress due to COVID-19. It injected Rs. 8 lakh crore in liquidity by lowering CRR, SLR and repo rates. It provided a 6-month moratorium on loan repayments and interest deferment to ease debt burden. However, banks have been reluctant to lend, and the benefits have not fully reached NBFCs. While RBI's measures provided relief, low demand remains a challenge as fiscal stimulus is needed to boost the economy during the lockdown. Going forward, debt monetization risks inflation and the focus should be on protecting consumers through interest waivers as economic recovery will require balancing health and livelihood concerns.
India banking 2010
The document discusses the Indian banking sector and outlines three potential scenarios for its development by 2010:
1) High performance: Policymakers intervene minimally and management drives significant changes to reduce costs and increase growth, innovation and productivity. Banking strongly supports the economy.
2) Evolution: Policymakers and management take gradual steps towards reform, addressing some constraints. The sector emerges as an important economic driver but still lags developed markets.
3) Stagnation: Restrictive policies and lack of management changes limit growth, productivity and the sector's ability to support the fast-growing economy.
The path taken will depend on coordinated actions across policymaking and strong strategies from public, private and foreign banks to
Fixed Income Update - October 2019
Interbank call money rates remained mostly below the RBI’s repo rate of 5.40% in the month owing to comfortable liquidity in the system, prompting the central bank to conduct frequent reverse repo auctions and provide banks with idle funds an opportunity to invest for a short period.
Read the full document to know more.
I C I C I Bank - Presentation
The document provides an overview of the Indian banking industry and an analysis of ICICI Bank. It discusses the structure and segmentation of the Indian banking sector, as well as growth drivers and regulations. For ICICI Bank, the summary discusses the company's business segments, history, financial performance across segments from 2006-2010, and strategies for retail and SME banking. ICICI Bank is focusing on stabilizing underperforming segments and harnessing potential in current segments like SME lending and rural banking.
Challenges for banking in current scenario
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
Similar to Strength (20)
Local Bank Financial Constraints and Firm Access To E-Fin.pptx
Local Bank Financial Constraints and Firm Access To E-Fin.pptx
MSME Summit - MSMEs Issues and Challenges (Finance related) - Part - 11
MSME Summit - MSMEs Issues and Challenges (Finance related) - Part - 11
Banking Sector Q4FY15 preview: Asset quality will remain under pressure
Banking Sector Q4FY15 preview: Asset quality will remain under pressure
Making NBFCs relevant to ‘Make-in India’& ‘Start-up India, Stand-up India’ - ...
Making NBFCs relevant to ‘Make-in India’& ‘Start-up India, Stand-up India’ - ...
Strength
- 1. Strength/ Opportunities: The growth for SBI in the coming years is like to be fuelled by the Following factors: Continued effort to increase low cost deposit would ensure improvement in NIMs and hence earnings. Growing retail & SMEs thrust would lead to higher business growth. Strong economic growth would generate higher demand for funds pursuant to higher corporate demand for credit on account of capacity expansion. Weakness/ Threats: The risks that could ensure to SBI in time to come are as under: SBI is currently operating at a lower CAR, insufficient capital may restrict the growth prospects of the bank going forward. Stiff competition, especially in the retail growth of SBI and hence slowdown in earnings growth. Contribution of retail credit stood at 26%. Significant thrust on growing retail book poses higher credit risk to the bank. Delay in technology upgradation could result in loss of market shares. Management indicated a likely pension shortfall on account of AS -15 to be close to Rs50bn. Slow down in domestic economy would pose a concern overover credit off- over credit off-take thereby impacting earnings growth.