1. Analyst View

2. Industry Overview
2.1 Global Banking Industry
2.1.1 Overview
2.1.2 Regional Segmentation
2.1.3 Top Performing Banks
2.2 Asia Banking Industry
2.2.1 Overview
2.2.2 Top Performing Banks
2.3 Indian Banking Industry
2.3.1 Overview

3. Indian Banking Industry Performance
3.1 Assets
3.2 Income (Interest & Other Income)
3.3 Profit
3.3.1 Operating Profit
3.3.2 Net Profit
3.4 Capital Adequacy Ratio
3.5 Non-Performing Assets
3.6 Credit/Deposit Ratio
3.7 Investment/Deposit Ratio

4. Retail Banking Products
4.1 Deposits
4.1.1 Scheduled Commercial Banks
4.1.2 Nationalized Banks
4.1.3 Public Sector Banks
4.1.4 State Bank Group
4.1.5 Private Banks
4.1.6 Foreign Banks
4.2 Retail Loan
4.2.1 Home Loan
4.2.2 Education Loan
4.2.3 Auto Loan
4.2.4 Consumer Durable Loan
4.2.5 Credit Card Outstanding
4.2.6 Advances against Fixed Deposits
4.2.7 Credit Demand - By Urban, Semi-urban & Rural Centers
4.3 Microfinance
4.4 Financial Cards
4.4.1 Credit Card
4.4.2 Debit Card
4.4.3 Drivers
4.4.4 Constraints
4.5 ATMs & Branch Network
4.6 Bancassurance
4.7 Mutual Fund
4.8 Pension Fund Industry

5. Industry Analysis
5.1 Risk Assessment of Banking Industry
5.2 Drivers
5.2.1 Rising Number of Bankable Households
5.2.2 Burgeoning Need for Housing Finance
5.2.3 Expanding Industry Credit
5.2.4 Declining Non-Performing Assets
5.3 Opportunities
5.3.1 Increasing Number of Bankable Households
5.3.2 Huge Unbanked Populace
5.3.3 Wealth Management Services
5.3.4 Growing Retail Lending
5.3.5 Pension Fund Industry
5.3.6 Bancassurance - New Opportunity Area
5.3.7 Support Services & Operations (Call Centers)
5.3.8 IT Investment
5.4 Challenges
5.4.1 Customer Retention
5.4.2 Lack of Consumer Credit Information
5.4.3 Increasing Liquidity
5.4.4 ‘Know Your Customer’ Issues & Money Laundering Risks
5.4.5 High Risk Weightage to Commercial Real Estate Financing
5.4.6 Basel II Accords

6. Retail Banking - Future Outlook
6.1 Bancassurance - 2010
6.2 Credit & Debit Cards (2007-08 to 2010-11)
6.3 Mobile & Internet Banking
6.4 Pension Fund Industry
6.4.1 Future Initiatives/Strategies
6.5 Assets & Deposits (March 2008 to March 2011)
6.6 ATMs (2008-2011)

7. Key Players
7.1 Public Sector Banks
7.1.1 Bank of Baroda
7.1.2 State Bank of India
7.1.3 Allahabad Bank
7.1.4 Canara Bank
7.1.5 Punjab National Bank
7.2 Private Sector Banks
7.2.1 HDFC Bank
7.2.2 UTI Bank
7.2.3 ICICI Bank
7.2.4 Kotak Mahindra Bank
7.2.5 Centurion Bank of Punjab
7.3 Foreign Sector Banks
7.3.1 Citibank
7.3.2 Standard Chartered Bank
7.3.3 HSBC Bank
7.3.4 ABN AMRO Bank
7.3.5 American Express

8. Annexure I: Indian Banking Industry - Regulatory Framework & Guidelines
8.1 Regulatory Framework
8.2 Ownership
8.2.1 Phase-I (March 2005 to March 2009)
8.2.2 Phase-II (April 2009)
8.3 Capital
8.4 Inspection & Reporting
8.5 Audit Requirements
8.6 Managing Pension Fund by Banks
8.6.1 Eligibility Criteria
8.6.2 Pension Fund Subsidiary

List of Figures:

Figure 2-1: Global - Banking Industry Assets (in Trillion US$), 2002-2006
Figure 2-2: Global - Forecast for Banking Industry Assets (in Trillion US$), 2007-2011
Figure 2-3: Global - Banking Industry Deposits (in Billion US$), 2002-2006
Figure 2-4: Asia - Banking Industry Assets (in Billion US$), 2004 & 2005
Figure 3-1: India - Banking Industry Assets (in Rs Crore), March 2004 to March 2007
Figure 3-2: India - Banking Industry Income (in Rs Crore), 2004-05 to 2006-07
Figure 3-3: India - Banking Industry Investment/Deposit Ratio* (%), 2000-01 to 2006-07
Figure 4-1: India - Banking Industry Deposits (in Rs Crore), March 2004 to March 2007
Figure 4-2: India - Outstanding Home Loan (in Rs Crore), March 2005 to March 2007
Figure 4-3: India - Outstanding Education Loan (in Rs Crore), March 2005 to March 2009F
Figure 4-4: India - Number of Education Loan Accounts (in Lakh), 2003-04 & 2005-06
Figure 4-5: India - Two-Wheeler Finance Market (in Rs Crore) 2005-06 to 2009-10F
Figure 4-6: India - Car Finance Market (in Rs Crore), 2004-05 & 2008-09F
Figure 4-7: India - Forecast for Share of Organized & Unorganized Players in Auto Finance Market (%), 2009-10
Figure 4-8: India - Consumer Durable Finance (in Rs Crore), March 2005 to March 2007
Figure 4-9: India - Credit Card Outstanding (in Rs Crore), March 2005 to March 2007
Figure 4-10: India - Outstanding Advances against Fixed Deposits (in Rs Crore), March 2005 to March 2007
Figure 4-11: India - Comparison with Global Purchase through Credit Card (%), 2006
Figure 4-12: India - Number of Credit Card Holders (in Million), 2003-04 to 2005-06 & May 2007
Figure 4-13: India, Seoul, Sydney & Hong Kong - Credit Card Ownership by Affluent Class (%), 2006
Figure 4-14: India - Number of Credit Card Transactions (in Million), 2003-04 to 2005-06 & January 2007
Figure 4-15: India - Payment by Credit Card (in Billion Rs), 2003-04 to 2005-06 & January 2007
Figure 4-16: India - Number of Debit Cards (in Million), 2003-04 to 2005-06 & May 2007
Figure 4-17: India - Number of Debit Card Transactions (in Million), 2003-04 to 2005-06
Figure 4-18: India - Payment by Debit Card (in Rs Crore), 2003-04 to 2005-06
Figure 4-19: India - Insurance Business Procured through Banks (%), 2005-06
Figure 4-20: India - Pension Fund Premium (in Rs Crore), 1999-00 & 2006-07E
Figure 5-1: India - Number of Bankable Households (in ‘000), 2001-2006E
Figure 5-2: India - Housing Loan Disbursement (in Rs Crore), 2001 & 2006
Figure 5-3: India - Industry Credit (in Rs Crore), 2004 & 2005
Figure 5-4: India - Forecast for Number of Bankable Households (in ‘000), 2007-2011
Figure 5-5: India - Unbankable Urban & Rural Population (%), July 2007
Figure 5-6: India - Number of Millionaires (2003-2007F)
Figure 5-7: India - Forecast for Working Population (in Million), 2007-2011
Figure 5-8: India - Forecast for Share of Bancassurance in Life Insurance Industry (%), 2010
Figure 5-9: India - Banking Industry Investment on IT (in Million US$), 2006 & 2007E
Figure 5-10: India - Forecast for Investment by Banking Industry on IT (in Million US$), 2008-2010
Figure 5-11: India - Investment by Banking Industry on IT by Product (in Million US$), 2007E
Figure 6-1: India - Forecast for Insurance Industry (in Billion US$), 2010
Figure 6-2: India - Forecast for Number of Credit Holders (in Million), 2007-08 to 2010-11
Figure 6-3: India - Forecast for Number of Debit Cards (in Million), 2007-08 to 2010-11
Figure 6-4: India - Mobile & Internet Penetration (%), June 2007
Figure 6-5: India - Forecast for Banking Industry Assets & Deposits (in Billion US$), March 2008 to March 2011
Figure 6-6: India - Forecast for Number of ATMs (2008-2011)

List of Tables:

Table 2-1: Global - Banking Industry Loans by Region (in Trillion US$), 2002-2006
Table 2-2: Global - Top Performing Banks by Capital Base, Assets & Capitalization (June 2007)
Table 2-3: Asia - Top Performing Banks by Country, 2007
Table 2-4: India - List of the Types of Bank
Table 3-1: India - Banking Industry Assets by Type of Bank (in Rs Crore), March 2004 to March 2007
Table 3-2: India - Banking Industry Interest Income by Type of Bank (in Rs Crore), 2004-05 to 2006-07
Table 3-3: India - Banking Industry Other Income by Type of Bank (in Rs Crore), 2004-05 to 2006-07
Table 3-4: India - Banking Industry Operating Profit by Type of Bank (in Rs Crore), 2004-05 to 2006-07
Table 3-5: India - Banking Industry Net Profit by Type of Bank (in Rs Crore), 2004-05 to 2006-07
Table 3-6: India - Capital Adequacy Ratio by Type of Bank (%), 2001-02 to 2006-07
Table 3-7: India - Gross NPA by Type of Bank (in Rs. Crore), March 2005 to March 2007
Table 3-8: India - Credit/Deposit Ratio by Type of Bank (%), March 2006 & March 2007
Table 4-1: India - Schedule Commercial Bank Deposits* by Segment (in Rs Crore), March 2005 to March 2007
Table 4-2: India - Nationalized Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-3: India - Nationalized Bank Deposits (in Rs Crore), March 2004 to March 2006
Table 4-4: India - Public Sector Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-5: India - Public Sector Bank Deposits (in Rs Crore), March 2004 to March 2006
Table 4-6: India - SBI Group Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-7: India - SBI & Associate Bank Deposits (in Rs Crore), March 2004 to March 2006
Table 4-8: India - Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-9: India - Old Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-10: India - New Private Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-11: India - Foreign Bank Deposits by Segment (in Rs Crore), March 2005 to March 2007
Table 4-12: India - Credit Demand by Urban, Semi-urban & Rural Centers (in Rs Crore), December 2001 & December 2006
Table 4-13: India - On-site & Off-site ATM by Type of Bank (in Numbers), March 2006 & March 2007
Table 4-14: India - Branches by Type of Bank (in Numbers), March 2006
Table 4-15: India - Branches by Type of Bank (in Numbers), March 2007
Table 4-16: India - Life Insurance Business by Bank (in Rs Crore), 2004 & 2005
Table 4-17: India - Public Sector Banks & their Collaboration with Insurance Companies, 2006
Table 4-18: India - Mutual Fund Industry by Assets under Management (in Rs Crore), May 2006 & May 2007
Table 5-1: India - Non-Performing Assets by Type of Bank (in Rs Crore), March 2004 to March 2006
Table 7-1: Bank of Baroda - Key Financials (in Rs Crore), March 2007
Table 7-2: State Bank of India - Key Financials (in Rs Crore), March 2007
Table 7-3: Allahabad Bank - Key Financials (in Rs Lakh), March 2007
Table 7-4: Canara Bank - Key Financials (in Rs ‘000), March 2007
Table 7-5: Punjab National Bank - Key Financials (in Rs Crore), March 2007
Table 7-6: HDFC Bank - Key Financials (in Rs Lakh), March 2006 & March 2007
Table 7-7: UTI Bank - Key Financials (in Rs Crore), March 2007
Table 7-8: ICICI Bank - Key Financials (in Rs ‘000), March 2007
Table 7-9: Kotak Mahindra Bank - Key Financials (in Rs Lakh), March 2007
Table 7-10: Centurion Bank of Punjab - Key Financials (in Rs Crore), March 2007
Table 7-11: Citibank - India-specific Credit Cards
Table 7-12: Citibank India - Key Financials (in Rs ‘000), March 2007
Table 7-13: Standard Chartered India - Key Financials (in Rs Crore), March 2007
Table 7-14: HSBC India - Key Financials (in Rs Crore), March 2007
Table 7-15: ABN AMRO India - Key Financials (in Rs Crore), March 2007
Table 7-16: American Express India - Key Financials (in Rs Crore), March 2007