Business Monitor International


India Commercial Banking Report

Published 20 August 2014

  • 77 pages
 
$1,295.00
India Commercial Banking Report
Commercial Banking Sector Indicators 
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
December 2012, INRbn 75,003.6 50,258.7 19,383.5 5,361.4 75,003.6 6,240.5 63,894.4 4,868.6
December 2013, INRbn 85,209.4 57,559.2 22,148.9 5,501.4 85,209.4 7,251.2 72,234.9 5,723.3
% change y-o-y 13.6% 14.5% 14.3% 2.6% 13.6% 16.2% 13.1% 17.6%
December 2012, USDbn 1,368.9 917.3 353.8 97.9 1,368.9 113.9 1,166.2 88.9
December 2013, USDbn 1,376.9 930.1 357.9 88.9 1,376.9 117.2 1,167.2 92.5
% change y-o-y 0.6% 1.4% 1.2% -9.2% 0.6% 2.9% 0.1% 4.1%
Source: BMI; Central banks; Regulators 
Commercial Banking Sector Key Ratios, December 2013 
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
79.68% 67.55% 54.96% 1,427.8 932.2
Rising Rising Rising n.a. n.a.
Source: BMI; Central banks; Regulators 
Annual Growth Rate Projections 2013-2018 (%)
  Assets Loans Deposits
Annual Growth Rate 18 18 20
CAGR 18 18 20
Ranking 10 9 6
Source: BMI; Central banks; Regulators
Ranking Out Of 73 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
61 11 41
Local currency asset growth Local currency loan growth Local currency deposit growth
6 7 5
Source: BMI; Central banks; Regulators 
Commercial Banking Sector Indicators, 2011-2018
  2011 2012 2013 2014f 2015f 2016f 2017f 2018f
Total assets, INRbn 66,388.0 75,003.6 85,209.4 100,547.1 118,645.5 140,001.7 165,202.0 194,938.4
Total assets, USDbn 1,250.1 1,368.9 1,376.9

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, November 2013
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 72 Countries Reviewed In 2014
8
Table: Commercial Banking Sector Indicators, 2011-2018
8
SWOT
9
Commercial Banking
9
Political
11
Economic
13
Business Environment
15
Industry Forecast
17
Markets And Macro Data Point To Moderating Macroeconomic Weakness
18
Hawkish RBI Likely To Stand Pat On Rates For Longer
18
Reforms To Benefit India's Financial System
19
Industry Risk Reward Ratings
20
Asia Commercial Banking Risk/Reward Ratings
20
Table: Asia Commercial Banking Risk/Reward Ratings
21
Market Overview
22
Asia Commercial Banking Outlook
22
Table: Banks' Bond Portfolios, 2013
22
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2014
22
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
23
Table: Comparison of USD Per Capita Deposits, 2014
24
Macroeconomic Forecasts
25
Table: India - Economic Activity
29
Competitive Landscape
30
Market Structure
30
Protagonists
30
Table: Protagonists In India's Commercial Banking Sector
30
Definition Of The Commercial Banking Universe
30
List Of Banks
31
Table: Public Sector Banks
31
Table: Foreign Banks In India
32
Company Profile
34
Bank of Baroda
34
Table: Stock Market Indicators
35
Table: Balance Sheet (INRmn)
36
Table: Balance Sheet (USDmn)
36
Table: Key Ratios (%)
36
Bank of India
37
Table: Stock Market Indicators
38
Table: Balance Sheet (INRmn)
39
Table: Balance Sheet (USDmn)
39
Table: Key Ratios (%)
39
Canara Bank
40
Table: Stock Market Indicators
41
Table: Balance Sheet (INRmn)
42
Table: Balance Sheet (USDmn)
42
Table: Key Ratios (%)
42
HDFC Bank
43
Table: Stock Market Indicators
44
Table: Balance Sheet (INRmn)
45
Table: Balance Sheet (USDmn)
45
Table: Key Ratios (%)
45
ICICI Bank
46
Table: Stock Market Indicators
48
Table: Balance Sheet (INRmn)
48
Table: Balance Sheet (USDmn)
48
Table: Key Ratios (%)
49
Punjab National Bank
50
Table: Stock Market Indicators
52
Table: Balance Sheet (INRmn)
52
Table: Balance Sheet (USDmn)
52
Table: Key Ratios (%)
53
State Bank of India
54
Table: Stock Market Indicators
56
Table: Balance Sheet (INRmn)
56
Table: Balance Sheet (USDmn)
56
Table: Key Ratios (%)
57
Regional Overview
58
Asia Overview
58
Global Industry Overview
61
Global Commercial Banking Outlook
61
Regional Outlooks
61
Demographic Forecast
68
Demographic Outlook
68
Table: India's Population By Age Group, 1990-2020 ('000)
69
Table: India's Population By Age Group, 1990-2020 (% of total)
70
Table: India's Key Population Ratios, 1990-2020
71
Table: India's Rural And Urban Population, 1990-2020
71
Methodology
72
Industry Forecast Methodology
72
Sector Specific Methodology
73
Risk/Reward Ratings Methodology
74
Sector Specific Methodology
75
Table: Commercial Banking Risk/Reward Rating Indicators
75
Weighting
76
Table: Weighting Of Indicators
76

The India Commercial Banking Report has been researched at source and features Business Monitor International (BMI)'s independent assessment and forecasts for the commercial banking sector in India. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's India Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in India.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for India to test other views - a key input for successful budgeting and strategic business planning in the Indian commercial banking market.
  • Target business opportunities and risks in India through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

Executive Summary

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and US$.

Industry SWOT Analysis

Analysis of the major Strengths, Weaknesses, Opportunities and Threats within the commercial banking sector and within the broader political, economic and business environment.

Business Environment Ratings

BMI's Commercial Banking Business Environment Ratings provide a country-comparative Risk-Reward Ratings index aimed at investors and participants in the regional commercial banking market.

The ratings methodology makes sophisticated use of over 40 industry, economic and demographic data points and is part of BMI's integrated Country Risk-Industry Ratings products.

Global, Regional and Country Industry

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI's global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2017 for all headline macroeconomic indicators including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

Competitive Landscape

Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.

Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI's industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate Company SWOT (Strengths, Weaknesses, Opportunities and Threats) analyses. The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

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