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Indian Banking Industry is among the most regulated in the world. Due to the stringency of norms, Indian banks were least affected by the financial crisis in 2008, which led to the collapse of many large Western banks. In Mar-13, nationalized banks accounted for 52% of the total deposits, followed by State Bank of India and associates (~22%) and New Private Sector banks (~14%). Post-liberalization, the Indian banking industry witnessed rapid changes. The newly licensed private entities adopted technology to enable business expansion, leading to higher efficiency and productivity. Even PSBs adopted their business practices to compete effectively. Technology is likely to be the base of innovations in the future. Telecom penetration is expected to aid the growing phenomenon of mobile banking. Aadhar-enabled payments are an evolving scenario, with very high fund transfers involved at negligible incremental costs, to a mostly unbanked population. New licenses, BASEL norms, and M&A policy are expected to create new flurry of activities in the industry.

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Updates

    • Monthly Update May 2014

      Credit-off take sequentially down since Jan-14....

    • Monthly Update April 2014

      FY14 credit off-take lags RBI expectation....

    • Monthly Update July 2014

      Credit growth improves, deposit mobilization slows; ICD ratio jumps....

    • Result Review Update March 2014

      Private banks continue to outperform PSU banks....

    • Monthly Update June 2014

      Credit growth yet to pick up; infra-lending lowest since Apr-08....

    • Monthly Update March 2014

      Credit off-take driven by lending to retail and SME segments....

    • Monthly Update February 2014

      Deposit mobilisation outpaces credit growth for third month sequentially....

    • Monthly Update January 2014

      Credit growth improves sequentially, retail and SME lending picks up....

    • Monthly Update December 2013

      Deposit growth outpaces credit off-take....

    • Result Review Update December 2013

      PSU banks stuck amid cyclical and structural headwinds, Private banks continue to outshine....

    • Monthly Update November 2013

      Oct-13 Credit growth better than RBI's estimates of 15%....

    • Monthly Update October 2013

      Deposit mobilisation improves, CD ratio increases marginally....

    • Monthly Update September 2013

      Credit growth improves....

    • Monthly Update August 2013

      Credit growth decelerates....

    • Monthly Update July 2013

      Credit growth weakens; infra off take improves....

    • Monthly Update June 2013

      Credit growth outpaces the deposit growth....

    • Result Review May 2013

      Divergent Trend: Asset quality issues weigh on PSU, PVT continues to outshine....

    • Monthly Update April 2013

      Year-end rush: Deposit growth gathers pace; beats Credit growth....

    • Monthly Update March 2013

      Deposit growth continues to lag behind credit growth....

    • Monthly Update February 2013

      Mounting NPA/restructuring, falling NIM amid slow business growth; PSU banks remain stressed....

    • Monthly Update January 2013

      Revival in infra (power) credit amid low overall credit growth and decadal low deposit growth....

    • Monthly Update December 2012

      Low credit growth + lowest deposit growth (in last 9 years) = business/margin under pressure....

Impact Analysis

  • Unhedged foreign currency exposure (UFCE) guidelines: Towards a more resilient banking industry...

    In continuation to its efforts of building robust Indian banking system, RBI proposed to mandate.....

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  • “Weak business growth + asset quality issues + macroeconomic factors = PSUs under pressure + private outlook upbeat”

    India's GDP growth has decelerated from 9.3% in FY11 to 5% in FY13. Credit growth has fallen as a result from 21% in FY11 to 14% in FY13......

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  • India CAPEX Story – Slowing... “Economic gloom to persist due to fragile macro-economic variables”

    With the Indian macroeconomic conditions weakening further in Q1FY14 and no evidence of slowdown bottoming out, doubts over economic recovery have tu.....

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  • The Guidelines on Private Placement of NCDs by NBFCs

    Casts a shadow on funding flexibility of NBFCs RBI; in its notification titled “Raising Money through Private Placement by NBFCs- Debentures etc.”,.....

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