インドにおけるリテールバンキング分野の分析（2006年）

Abstract

RNCOS' "Indian Retail Banking Sector Analysis (2006)", report provides extensive research and objective analysis on the growing retail banking industry, its product quality, and services in India. This report helps clients to analyze the leading-edge opportunities critical to the success of the retail banking Industry in India. Detailed data and analysis helps investors, financial service providers, and global banking players navigate through the evolving banking industry in India.

Key Findings

• Marketing issues may be the key focus for the Global players entering in Indian market because of the nature of Indian retail banking market requires new entrant to have to devise marketing programs to establish and enhance brand awareness, which in turn will help the new entrant to show its presence and help to create a niche for them.
• India' s retail-banking assets size is expected to grow at the rate of 18% a year over the next four years (2006-2010).
• Retail loan to drive the growth of retail banking in future.
• Housing loan accounts for a major chunk of retail loan.

Key Issues and Facts Analyzed

• What does the competitive market landscape look like for the Indian Retail Banking Industry?
• How do the services drive the Retail-banking Sector in India?
• How do the demographic factors, personalized loans and credit quality programs drive the market?
• What are the various opportunities and challenges before this industry?
• What are the India-specific retail banking strategies for foreign players?

Key Products Analyzed

Key products analyzed in this report include: Deposits, Retail credit, Credit Cards, Debit Card, Internet Banking, and ATM facility.

Key Players Analyzed

This section provides an overview, and key facts of several key players like Andhra Bank, State Bank of Mysore, Allahabad Bank, Vijaya Bank, Punjab National Bank, HDFC Bank, UTI Bank, ICICI Bank, Kotak Mahindra Bank, Centurion Bank Of Punjab, Citibank, Standard, HSBC, ABN AMRO, American Express, and Dena Bank.

Research Methodology Used

Information Sources

Books, Newspapers, Trade Journals, and White papers, Industry portals, Government Agencies, and Trade associations, monitoring of Industry News and developments, and Access to more than 3000 paid databases.

Analysis Method

Ratio Analysis, Historical Trend Analysis, Linear Regression Analysis using software tools, Judgmental Forecasting, and Cause and Effect Analysis.

Table of Contents

• 1. Analyst View
• 2. Research Overview
• 3. Worldwide Banking Scenario
  • 3.1 Introduction
  • 3.2 Worldwide Forecast (2006-2010)
• 4. Retail Banking Sector Worldwide
• 5. Retail Banking Sector in India
  • 5.1 Introduction
  • 5.2 Regulatory Framework and Recent Reforms
  • 5.3 Retail Banking Scenario in India, 2005
    • 5.3.1 Retail Deposits
    • 5.3.2 Retail Loans
• 6. Retail Banking Products and Services
  • 6.1 Deposits
  • 6.2 Retail Loans
  • 6.3 Credit Cards
  • 6.4 Debit Cards
  • 6.5 ATM Outlets
  • 6.6 Life Insurance
  • 6.7 Mutual Funds
• 7. Driving Forces for Retail Banking Service in India
• 8. Opportunities & Challenges for Retail Banking Sector in India
  • 8.1 Opportunities
  • 8.2 Challenges
• 9. Retail Banking Strategy of India for Foreign Players
• 10. Future Outlook for Retail Banking Sector in India
• 11. Major Players in Retail Banking Industry
  • 11.1 Top Performing Public Sector Banks
    • 11.1.1 Andhra Bank
    • 11.1.2 State Bank of Mysore
    • 11.1.3 Allahabad Bank
    • 11.1.4 Vijaya Bank
    • 11.1.5 Punjab National Bank
    • 11.1.6 Dena Bank
  • 11.2 Top Performing Private Sector Banks
    • 11.2.1 HDFC Bank
    • 11.2.2 UTI Bank
    • 11.2.3 ICICI Bank
    • 11.2.4 Kotak Mahindra Bank
    • 11.2.5 Centurion Bank of Punjab
  • 11.3 Top Performing Foreign Banks
    • 11.3.1 Citibank
    • 11.3.2 Standard Chartered Plc.
    • 11.3.3 HSBC Bank
    • 11.3.4 ABN AMRO Bank
    • 11.3.5 American Express

List of Figures:

• Figure 3-1: Worldwide - Banking Industry Group Segmentation by Region (%), 2005
• Figure 3-2: Worldwide - Forecast for Banking Industry (in Billion US$), 2006-2010
• Figure 4-1: BRIC Countries - Growth in Retail Loans (in Billion US$), 2001-2005
• Figure 5-1: India - Banking Sector Asset Growth (in Million US$), 2001-2005
• Figure 5-2: India - Banking Sector Profit Growth (in Billion US$), 2000-2005
• Figure 5-3: India - Share of Household Sector in Bank Deposits (%), 2000-2004
• Figure 5-4: India - Percentage of Household Debt on GDP in comparison to Asian Economies (%), 2005
• Figure 5-5: India - Growth in Retail Loans & Advances by Commercial Banks (%), 2004 & 2005
• Figure 5-6: India - Growth in Retail Loan Categories (%), March 2005
• Figure 6-1: India - Banking Sector Deposits (in Rs Crore), March 2004 to March 2006
• Figure 6-2: India - Home Loan Portfolio of Six Largest Banks (in Billion US$), 2005 & 2006
• Figure 6-3: India - Public Sector Banks Funding of SME (in Billion US$), 2004 & 2009
• Figure 6-4: India - Average Industry Spending on Credit Cards (in Thousand Rs), 2003 & 2005
• Figure 6-5: India - Credit Card Market Value (in Billion US$), 2005-2010E
• Figure 7-1: India - Disposable Income (in Million US$), 2005-2010
• Figure 7-2: India - Personal Disposable Income (in US$/Head), 2005-2010
• Figure 8-1: India - Increase in Working Population (in Million), 2005 & 2010
• Figure 10-1: BRIC Countries - Forecast for Retail Loans Value (in Billion US$), 2006-2009
• Figure 10-2: India - Forecast for Banking Sector Asset Size Growth (in Billion US$), 2006-2010
• Figure 10-3: India - Forecast of Credit Card Loan Market (in Billion US$), 2006-2009
• Figure 11-1: Andhra Bank - Stock Performance Chart
• Figure 11-2: Allahabad Bank - Stock Performance Chart
• Figure 11-3: Vijaya Bank - Stock Performance Chart
• Figure 11-4: Punjab National Bank - Stock Performance Chart
• Figure 11-5: HDFC Bank - Stock Performance Chart
• Figure 11-6: UTI Bank - Stock Performance Chart
• Figure 11-7: ICICI Bank - Stock Performance Chart
• Figure 11-8: Kotak Mahindra Bank - Stock Performance Chart
• Figure 11-9: Citi Bank - Stock Performance Chart
• Figure 11-10: Standard Chartered Plc. - Stock Performance Chart
• Figure 11-11: HSBC Bank - Stock Performance Chart
• Figure 11-12: ABN AMRO - Stock Performance Chart
• Figure 11-13: American Express Bank - Stock Performance Chart

List of Tables:

• Table 3-1: Worldwide - Market Value of Banking Industry Group (in Billion US$), 2001-2005
• Table 5-1: Financial Services - Before & After Liberalization
• Table 5-2: India - Retail Lending as % of Total Lending (2004 & 2005)
• Table 5-3: India - Retail Portfolio of Scheduled Commercial Banks (in Rs Crore), 2004 & 2005
• Table 6-1: India - Top 3 Players in Terms of Deposit (in Rs Crore), 2004-2006
• Table 6-2: India - Banking Retail Loans (in Rs Crore), 2004 & 2005
• Table 6-3: India - Credit Card Base of Banks (in Million), 2006
• Table 6-4: India - Debit Card Base of Banks (in Million), 2005
• Table 6-5: India - ATM Base of Banks, 2005
• Table 6-6: India - Life Insurance Business of Banks (in Rs Crore), 2004 & 2005
• Table 6-7: India - Public Sector Banks & Insurance Companies
• Table 6-8: India - Banking Mutual Fund Business (in Rs Crore), 2004 & 2005
• Table 11-1: Andhra Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-2: State Bank of Mysore - Key Financial Information (in Rs Crore), March 2006
• Table 11-3: Allahabad Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-4: Vijaya Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-5: Punjab National Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-6: Dena Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-7: HDFC Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-8: UTI Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-9: ICICI Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-10: Kotak Mahindra Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-11: Centurion Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-12: Citi Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-13: Standard Chartered Plc. - Key Financial Information (in Rs Crore), March 2006
• Table 11-14: HSBC - Key Financial Information (in Rs Crore), March 2006
• Table 11-15: ABN AMRO Bank - Key Financial Information (in Rs Crore), March 2006
• Table 11-16: American Express Bank - Key Financial Information (in Rs Crore), March 2006