New Market Research Report: India Commercial Banking Report Q2 2011

March 21, 2011 - PRLog -- Microfinance Under The Microscope  India's microfinance industry is under attack from state-level interference. While we do not expect a  broader impact on India's commercial banking space, a retrenchment in microlending could pose a not  insignificant downside risk to the country's long-term growth prospects.  The Indian microfinance industry, one of the country's fastest growing sub-sectors, is facing serious  headwinds due to the increasing politicisation of the industry. In early October, the government of Andra  Pradesh (AP) - India's fifth most populous state and most heavily dependent on microfinance activity -  passed an ordinance forcing key players to lower their lending rates; ordering the arrest of microfinance  institution (MFI) employees suspected of 'coercion'; and restricting the regularity of collections.  These decrees have triggered a wave of delayed disbursements and abandoned repayment schedules,  catapulting default rates into the double digits (from an estimated 2% prior to the announcements) and  raising serious question marks over future growth in the industry. The share price of SKS Financial,  India's largest and only listed MFI, has tumbled 45% since the AP regulations came into place.  MFI 101: A Brief History  India's fledgling microfinance industry has proliferated in recent years on the back of a concerted publicprivate  push to provide greater finance services (primarily small-scale loans) to India's rural  communities, and this has played a major role in the grassroots economic dynamism that we have  witnessed in recent years. As the accompanying chart shows, the industry's eight biggest players have  enjoyed spectacular growth and profitability, with asset expansion averaging 117.3% per annum over the  past five years (albeit from a very low base) and 2009 return on equity coming in at an impressive 34.9%.  However, such an aggressive expansion of profit-seeking firms operating in low-income and  underpenetrated areas of the country has been an uneasy development for many of India's state-level  governments. The AP government claims that their intervention was the result of a spate of suicides in the  region due to exorbitant repayment rates and bullying tactics employed by the MFIs. They also allege that  aggressive MFI expansion has led to individuals taking on much more debt that they can ever afford to  pay back.

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Report Table of Contents:

Executive Summary
- Table: Levels (INRbn)
- Table: Levels (US$bn)
- Table: Levels At July 2010
- Table: Annual Growth Rate Projections 2011-2015 (%)
- Table: Ranking Out Of 59 Countries Reviewed In 2011
- Table: Projected Levels (INRbn)
- Table: Projected Levels (US$bn)
SWOT Analysis
- India Commercial Banking SWOT
- India Political SWOT
- India Economic SWOT
- India Business Environment SWOT
Business Environment Outlook
- Commercial Banking Business Environment Rating
- Table: Commercial Banking Business Environment Ratings
- Commercial Banking Business Environment Rating Methodology
- Table: Asia Commercial Banking Business Environment Ratings
Global Commercial Banking Outlook
- Regional Outlooks
- Mergers And Acquisitions Outlook For Banks
Asia Banking Sector Outlook
- Table: Banks' Bond Portfolios, 2009
- Table: Asia Commercial Banking Business Environment Ratings
- Tables: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios
- Table: Anticipated Developments In 2011
- Table: Comparison Of Total Assets, Client Loans And Client Deposits, 2009-2010 (US$bn)
- Table: Comparison Of Per Capita Deposits, 2010e (US$)
- Table: Interbank Rates And Bond Yields, 2010-2011
India Banking Sector Outlook
Economic Outlook
- Table: India Economic Activity, 2008-2015
Competitive Landscape
- Market Structure
- Protagonists
- Table: Protagonists In India's Commercial Banking Sector
- Definition Of The Commercial Banking Universe
- List Of Banks
- Table: Public Sector Banks
- Table: Foreign Banks In India
Company Profiles
- State Bank of India
- Table: Stock Market Indicators
- Table: Balance Sheet (INRmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Punjab National Bank
- Table: Stock Market Indicators
- Table: Balance Sheet (INRmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Canara Bank
- Table: Stock Market Indicators
- Table: Balance Sheet (INRmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- ICICI Bank
- Table: Stock Market Indicators
- Table: Balance Sheet (INRmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- HDFC Bank
- Table: Stock Market Indicators
- Table: Balance Sheet (INRmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Citibank India
- Table: Key Statistics For Citibank India, 2007-2009 (INRmn)
- Standard Chartered
- Table: Key Statistics For Standard Chartered, 2007-2009 (INRmn)
BMI Banking Sector Methodology
- Commercial Bank Business Environment Ratings
- Table: Commercial Banking Business Environment Indicators And Rationale
- Table: Weighting Of Indicators

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Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.