Indian Banking Industry Analysis Nirma University Assignment

1383 words - 6 pages

INDUSTRY SIZE AND GROWTH
The Indian banking system consists of 26 public sector banks, 20 private sector banks, 43 foreign banks, 56 regional rural banks, 1,589 urban cooperative banks and 93,550 rural cooperative banks, in addition to cooperative credit institutions. The Indian banking sector’s assets reached US$ 1.8 trillion in FY16 from US$ 1.3 trillion in FY10, with 70 per cent of it being accounted by the public sector.
Total lending and deposits increased at a compound annual growth rate (CAGR) of 20.7 per cent and 19.7 per cent, respectively, during FY07-16 and are further poised for growth, backed by demand for housing and personal finance. Total asset size of banking sector assets is expected to increase to US$ 28.5 trillion by FY25. Deposits have grown at a CAGR of 13.6 per cent during FY05–16 to an estimated US$ 1.48 trillion in FY16. Deposit growth has been mainly driven by strong growth in savings amid rising disposable income levels.
Indian banks are increasingly focusing on adopting integrated approach to risk management. Banks have already embraced the international banking supervision accord of Basel II. According to RBI, majority of the banks already meet capital requirements of Basel III, which has a deadline of March 31, 2019. Most of the banks have put in place the framework for asset-liability match, credit and derivatives risk management
Rising incomes are expected to enhance the need for banking services in rural areas and therefore drive the growth of the sector; programmes like MNREGA have helped in increasing rural income aided by the recent Jan Dhan Yojana. The Reserve Bank of India (RBI) has relaxed its branch licensing policy, thereby allowing banks (which meet certain financial parameters) to set-up new branches in tier-2 to tier-6 centers, without prior approval from RBI. It has emphasized the need to focus on spreading the reach of banking services to the un-banked population of India.

MAJOR PLAYERS AND THEIR CONTRIBUTIONS IN BANKING INDUSTRY
Competition

Name
Last Price
Market Cap. (Rs. cr.)
Net Interest Income
Net Profit
Total Assets

HDFC Bank
1,270.70
323,473.68
60,221.45
12,296.23
708,845.57

ICICI Bank
277.4
161,424.32
52,739.43
9,726.29
720,695.10

Kotak Mahindra
781.5
143,585.53
16,384.19
2,089.78
192,259.79

Axis Bank
526.1
125,763.39
40,988.04
8,223.66
461,932.39

IndusInd Bank
1,224.30
73,086.11
11,580.66
2,286.45
140,056.99

Yes Bank
1,317.40
55,631.42
13,533.44
2,539.45
165,263.42

IDFC Bank
76.4
25,938.37
3,648.83
466.85
73,969.87

ING Vysya Bank
1,027.00
19,719.13
5,205.22
657.85
60,413.23

Federal Bank
73.15
12,585.32
7,744.69
475.65
91,430.03

RECENT NEWS
FINANCIAL YEAR 2015-16
1. HDFC raises Rs 500 cr via masala bonds
2. Top seven cos lose Rs 46,108 crore in market valuation
3. HDFC raises Rs 500 cr through 4th issue of masala bonds
4. HDFC to...

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