Use this report to…
Understand how retail industry is growing
What are strategies taken by retail bank companies and their comparison thereof? and much more……

INTRODUCTION

Retail banking in India has fast emerged as one of the major drivers of the overall banking industry and has witnessed enormous growth in the recent past. The Retail Banking Report encompasses extensive study & analysis of this rapidly growing sector. It primarily covers analysis of the present status, current trends, major issues & challenges in the growth of the retail banking sector. This report helps in Banks, financial institutions, MNC Banks, academicians, consultants and researchers to have a better understanding of the booming opportunities in retail banking in India.

MAJOR FINDINGS
With recession departing away from away global economy, opportunities are slowly emerging in emerging markets. Since emerging markets, except China, were less depending upon US for growth; are first to come out of recession eclipse. Growth opportunities in banking, especially retail segment is set to witness fast growth due to high consumption. The higher growth of retail lending in emerging economies is attributable to fast growth of personal wealth, favourable demographic profile, rapid development in information technology, the conducive macro-economic environment, financial market reforms, and several micro-level supply side factors.
The retail banking strategies of banks are undergoing major transformation, as banks adopt a mix of strategies like organic growth, acquisitions and alliances. This has resulted in a paradigm shift in the marketing strategies of the banks. Public Sector Banks players are adopting aggressive strategies, leveraging their rural branch network and their customer vase to earn a larger share of the retail pie. Banks are also going in for innovative strategies like cross selling, packaged selling of retail products and technology based banking. At the same time, new foreign players are also entering this high growth sector

POINTS DISCUSSED
- Global retail banking vis-à-vis Indian scenario
- Indian retail banking overview
- What are the regulatory factors involved in Indian banking industry
- How interest rate risks, money laundering, and outsourcing are affecting the performance of banking sector?
- What would be the impact of Basel-II norms in Indian banking industry?
- What are the implications of SARFESI Act on recovery of money?
- How the banking industry would combat the competition from upcoming sectors like mutual funds?
- What are the various issues and challenges before this industry?
- What are strategies taken by retail bank companies and their comparison thereof?

PLAYERS PROFILED
The report contains major profiles of - Andhra Bank, AXIS Bank, Bank of Baroda, Bank of India, Canara Bank, Citibank, Central Bank of India, Deutsche Bank, HDFC Bank, HSBC, Indian Overseas Bank, ICICI Bank, I D B I (Industrial Development Bank Of India), Indian Bank, ING Vysya Bank, Jammu & Kashmir Bank Ltd, State Bank of India, Saraswat Co-Operative Bank Ltd, Syndicate Bank, UCO Bank and Union Bank of India

PRODUCTS ANALYSED
- Indian retail credit
- Housing finance
- Auto finance
- Consumer durable loan
- Educational loan
- Other personal loans
- Credit cards
- Bancassurance

FOR WHOM
- Banks, Financial institutions
- MNC Banks
- Academicians
- Consultants
- Researchers

RESEARCH METHODOLOGY
The data used, extensively draws from the in-house and proprietary sources available at Cygnus as our research team regularly tracks the sector. The other sources include Bank for International Settlements (BIS), Reserve Bank of India, Banking related Journals, and Research papers, Industry portals, Government Agencies, and Trade associations, monitoring of Industry News and developments etc. The data has been cross-checked by the research team and validated to provide the latest and unambiguous information.

ADDITIONS IN THE EDITION
Global Banking Scenario
Introduction
Global banking assets touches US$96 tn
Rising Bad debts and Provisions
Profitability plummeted
Region wise analysis
- US
-- Rising defaults and slowdown affects overall credit
- Europe
-- Credit growth dips in European banks
- Asia Pacific
-- Japan find opportunity in serving baby boomers
-- Asia pacific outperforms than developed economies
Recent trends
- Housing bubble collapsed
Indian Banking Industry
Current Scenario
- Monetary and liquidity position: Relatively stable
-- Bank deposits moving up
-- Credit off take slows
Housing finance
Housing loan disbursement: facing the heat from global slowdown
Major Challenges
- Managing volatility in metal and oil prices and in exchange rates
- Finding a solution to slowdown in exports and manufacturing activities
- Integrating the entire supply chain and managing inbound logistics
- Managing Poor Monsoons
- Maintaining the pace of infrastructure development
Credit cards
Key Trends
- Infrastructural challenges could soon become irrelevant
- EMV issuance is still far away
- Prepaid Cards on the horizon
- Demand for premium and co-brand cards
- Full ATM outsourcing
Techology Spend
- Spread of ATMs—primary concern for banks
- Cards being a strong alternative to cash payments
- Internet banking – emergence of new era in personal banking
Micro payment
Regulations
Consumer credit, Home Loan, Education Loan, Auto Loans and their Risk weight exposures
Credit card Norms
- Single overall limit to an individual
- KYC (know your customer) Norms
- Reporting to Credit Bureau
- Other harassment
Micro Finance
- The Micro Financial sector (Development and Regulation) Bill, 2007
Foreign Exchange Regulations
Remittance Regulations
Mobile Banking
Issues and challenges
A paradigm shift from the monopolies of public sector banks to competitive banking
Retail loan quality seen falling
Tie-Up Arrangement
Basel II Norms
Growth In Retail Electronic Funds Transfer Systems
Future outlook
Emerging trends in technology

1.Executive Summary

2. Highlights

3. Global Banking Industry,
3.1 Introduction
3.2 Global banking assets surpasses US$90 trillion
3.3 Rising bad debt and provisions
3.4.Profitability plummets
3.5 Increased emphasis on fee-based and treasury business
3.6 Region-wise Analysis
3.6.1 US
3.6.2 Europe
3.6.3 Asia Pacific
3.7 Recent Trends
3.7.1 Level and growth rate of Household Credit
3.7.2 More Banks focus on reducing losses
3.7.3 Housing bubble collapses

4. Indian Banking Industry
4.1 Introduction
4.2 Evolution
4.3 Reforms galore
4.4 Current Scenario
4.5 Geographic Spread
4.6 Key Business Segments
4.7. Trends in Indian Banking Industry
4.7.1 Monetary and liquidity position: Relatively stable
4.7.2 Growth of Credit Market declines
4.7.3 Inflationary pressure subsides
4.7.4. Public sector banks continue to dominate

5. Retail Banking
5.1. Introduction
5.2. Credit growth
5.3. Segments of retail lending
5.4. Retail Credit: Geographical Spread
5.5. Category wise Distribution
5.6. Comparing India with global peers
5.7. Major players and their market share
5.7.1. SBI leads with 19% market share
5.7.2. ICICI to catch up other banks
5.7.3. Geographic dominance
5.8. Recent Trends
5.8.1. Changing Demographic profile drives the growth
5.8.2. Players’ Response aggressively to the changing environment
5.8.3. NPA Level credit cards and Consumer loans are major concerns

6. Housing Finance
6.1. Introduction
6.2. Industry Structure
6.3. Housing Finance Allocation
6.4.Housing loan disbursement
6.5. Lowering interest rates push up home loan disbursement
6.6. Housing Loan: Demand and Supply Driver
6.7. Banks overtake HFCs in housing loan disbursement
6.8. Banks are aggressive on Refinancing
6.9. Changing age profile of borrower
6.10. Higher loan-to-value ratio
6.11. Size of Home Loan
6.12. Outlook
6.12.1. Rising Home Loans as percentage of GNP
6.12.2. Price correction may be a possible in the near future

7. AUTO FINANCE
7.1 Introduction
7.2 Segment-wise autodidact
7.3 Industry Segment-wise analysis
7.3.1 Car
7.3.2 Multi-Utility Vehicle
7.3.3Two Wheeler sales touch 7.44 million.
7.4 Driving Factor
7.4.1 Entry of Foreign Car Maker
7.4.2 Cheaper Loans Off tack
7.4.3 Reduction in Taxes & Du tie
7.4.4 Changing Business Dynamic
7.5: Indian Automobile Finance Industry Transformation
7.6 Recent Trend
7.6.1. Recession halts the growth of the marked
7.6.2 Used Car Financing
7.6.3. Auto companies tie-up with PSU Bank
7.7 Major Challenge
7.7.1 Sustaining the growth rate
7.7.3. Finding a solution to slowdown in exports and manufacturing activities
7.7.4 Integrating the entire supply chain and managing inbound logistic
7.7.5 Managing Poor Monsoon
7.7.6 Maintaining the pace of infrastructure development
7.8 Outlook

8. Consumer Durable Finance
8.1 Introduction
8.2 Consumer durables credit
8.2.1 Geographical Spread and Market Shear
8.2.2 Category wise Distribution
8.3 Competition pinches on consumer durable credit growth
8.4 Innovations in lending – avenues for growth
8.5 Commercial Banks aggressively capturing marked
8.6 Outlook

9. Education Loan
9.1 Introduction
9.2 Educational loans disbursement
9.3 Driving factor
9.4 Major Challenge in Education Loa
9.5 Outlook

10. Other personal Loans
10.1. Introduction
10.2. Personal Loans: Market share and size wise classification
10.3. Increase in Bank lending
10.4. Competition propels innovation

11. Credit card
11. Credit card
11.1 Introduction
11.1.1. Size and growth
11.2 Growth: Card volume surge
11.3 Competition and Major Players: ICICI banks Rally
11.4 Industry Spend
11.5 Key Trend
11.5.1. Cut throat competition
11.5.2. Infra structural challenges could soon become irrelevant
11.5.3. Smarter Debit/Credit Car
11.5.4. Prepaid cards on the horizon11.5.5. Demand for premium and co-brand card
11.5.6. ATM outsourcing
11.6 Technology Sp en
11.6.1 Mobile Wallet
11.7 MICROPAYMENTS 11.8 Role of Association
11.9 Default in Credit car
11.10 Outlook

12. Braincases
12.1 Introduction
12.2 Changing Business Dynamic
12.3 Braincases: Indian Scenario
12.4 Issues and challenge
12.5 Driving Factor
12.5 Outlook

13. Regulation
13.1. Introduction
13.2. Consumer credit, Home Loan, Education Loan, Auto Loans and their Risk weight exposure
13.3. Housing finance: Growing incidence of fraud
13.4. Credit card Norm
13.4.1. Single overall limit for each individual
13.4.2. KYC (know your customer) Norm
13.4.3. Recovery of retail loans 13.4.4. Reports to Credit Bur ea
13.4.5 Other harassment
13.5. Micro Finance
13.5.1The Micro Financial sector (Development and Regulation) Bill, 2007 13.6. Foreign Exchange Regulation
13.7. Remittance Regulation
13.8. Mobile Banking

14. Issues/Challenges of Retail Banking in India
14.1 Introduction
14.2 A paradigm shift from the monopolies of public sector banks to competitive banking
14.3 Interest rate Kris
14.4 Issue of money laundering
14.5 Competition in retail banking
14.6 Retail loan quality is falling
14.7 Tie-Up Arrangement
14.8 Basel II Norm
14.9 Growth in Retail Electronic Funds Transfer System
14.10 Imbalance in bank credit-deposit & investment-deposit ratio
14.11 Conclusion

15. THE FUTURE
15.1 Refocus customer relationships through technology and innovation
15.2 Enterprise CRM in Retail Banking
15.3 Fresh frontiers in Retail Operation
15.4 Micro Finance- an emerging opportunity
15.4.1. Self-Help Group (SHG) – Bank Linkage Program
15.5 Budding opportunities in Non-agricultural rural credit
15.6 The shape of things to com
15.7. Emerging trends in technology
15.8 Conclusion
16. Major Banks Profile
1. Andrea Ban
2. AXIS Ban
3. Bank of Bard
4. Bank of India
5. Canard Ban
6. Titian
7. Central Bank of India
8. Deutsche Ban
9. HDFC Ban
10. HSBC 11. Indian Overseas Ban
12. ICICI Ban
13. I D B I (Industrial Development Bank Of India) 14. Indian Ban
15. ING Visa Ban
16. Jam mu & Kashmir Bank Ltd. 17. State Bank of India
18. Saraswat Co-Operative Bank Ltd. 19. Syndicate Ban
20. UCO Ban
21. Union Bank of India