Report on Indian Banking Industry

Dec. 7, 2010 - PRLog -- The Indian Banking system has managed to successfully sail through the financial tornado witnessed by the global economy on the back of sound policies of our apex bank and fiscal stimulus packages implemented by the Government. Strict regulations relating to the exposure to derivative instruments, relatively tighter norms on capital adequacy based on risk-weighted assets and timely intervention by the Reserve Bank of India (RBI) prevented the severe contagion of the global financial crisis to the Indian banking system.

During the recessionary phase in October 2008–March 2009 period, the RBI was swift to reduce the policy rates, both repo and reverse repo and provide liquidity to the economy by reducing the reserve ratios and offering adequate support to the banking system. Couple of fiscal stimulus packages by the Government, relaxation of norms for certain sectors like real estate and allowing the banks to restructure its advances too contributed to the sailing of Indian banks through the rough phase with minimal impact.

According to CARE Research, the Indian Banking Sector is poised for significant growth in the coming years driven by:

Healthy outlook on GDP
Under penetrated financial system
Borrowings from infrastructure and mortgage finance (home loans)

Table of Contents :

INDEX

EXECUTIVE SUMMARY
I. OUTLOOK SECTION
Outlook on credit off-take
Outlook on deposits
Outlook on net interest margins
Outlook on non-performing assets
Outlook on profitability

II. SECTOR SECTION
1. History of the Banking Sector in India
History of State Bank of India (SBI) and
Associates
History of other banks in India
Pre-independence
Post Independence tNationalisation
Nationalisation tLiberalisation
- Arguments for Nationalisation
Liberalisation tcurrent date
- Interest rate liberalisation
- Privatisation
- Entry of foreign banks
Various Banking Groups
Regional Distribution of Branches
History of other banks in India

2. Role of Reserve Bank of India
RBI monetary and credit policy
Developments since the global economic
recession
Liquidity Adjustment Facility (LAF)
Cash Reserve Rati(CRR)


3. Deposits
Sources of Funds for Banks
Distribution of deposits of Scheduled
Commercial banks (SCB)
Distribution of deposits by Ownership
Deposits mobilisation from Households
Types of Deposits
Current deposits
Saving deposits
Term deposits
Bank group-wise deposit performance
SBI and Associates
Nationalised Banks
Private Sector Banks
Foreign Banks

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