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--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 ATMsprimary 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

Booming Indian Retail Banking Sector, the market research report provides extensive research and rational analysis on the Indian banking industry. This report has been made to help clients in analyzing the opportunities, challenges and drivers critical to the growth of the retail banking industry in India. The forecast given in this report is not based on a complex economic model, but is intended as a rough guide to the direction in which the market is likely to move. The future projection undertaken in this report is done on the basis of the current market scenario, past trends, and rules and regulations laid by Reserve Bank of India (RBI). The report provides detailed overview of the Indian banking industry by contemplating and analyzing

various parameters, like asset size, income level etc. It helps clients to understand various products offered by the Indian banking industry and their future scope. The report also provides the future overview of the industry in terms of assets size, number of financial cardholders and various other important features. The future forecast discusses the prospects of different arms of banking industry, including rural banking, bancassurance, financial cards, mobile banking, role of technology in rural banking, pension funds, and the future course of action or strategies for pension fund industry to be taken at macro level. Key Findings of the Report - Pension fund industry in India grew at a CAGR of 122.44% from 1999-00 to 2006-07. - In terms of ownership, debit cards are more in number than credit cards but in terms of transactions, use of credit cards is more prevalent than debit cards. - The ATM outlets in India increased at a rate of 28.09% from March 2006 to March 2007. - Outstanding Education loan segment is expected to grow at 36.41% till March 2009 from March 2007 onwards to cross Rs. 27000 Crore Mark. - Two-wheeler finance industry is projected to forge ahead at a CAGR of 14.21% till 2009-10 from 2005-06. - Indian Mutual Fund industry witnessed a growth of 49.88% from May 2006 to May 2007, and a higher 215.61% growth was recorded in closed ended schemes. - Increasing number of millionaires in India is increasing the scope of Wealth Management Services. - Bankable households in India are estimated to move up at a CAGR of 28.10% during 2007-2011. Key Issues & Facts Analyzed in the Report Market analysis of different product segments in the banking industry. Evaluation of current market trends. Basel II Accord and Capital Requirement by Indian Banking Industry. Factors driving he growth of Retail Banking Industry in India. Analysis of various challenges and opportunities for the industry. Urban vs. rural banking in terms of deposit and credit. Drivers and constraints for credit and debit cards industry in India. Pension Fund industry in India.

Key Players Analyzed This section covers the key facts about the major players (including Public, Private, and Foreign sector) in the Indian Banking Industry, including Bank of Baroda, State Bank of India, Canara Bank, Punjab National Bank, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Citibank, Standard Chartered Bank, HSBC Bank, ABN AMRO Bank, American Express, etc. Research Methodology Used Information Sources Information has been sourced from books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases. Analysis Method

The analysis methods include ratio analysis, historical trend analysis, linear regression analysis using software tools, judgmental forecasting, and cause and effect analysis.