Академический Документы
Профессиональный Документы
Культура Документы
55.6
11.4
284.4
28.0
56.4
17.6
656.0
82.5
Cons Ln
Hsg Lns Others
MIM FinFest 2009
0.8
1.0 9.6
0.9
7.9 19.2
Global Meltdown n Retail Banking
1.2
1.8 14.6
3.2
32.8 46.5
5
% Net NPAs
1.4
2
3 4
Consumer Loans
Credit Card dues Other Per Loans
6,256
6,167 87,170
6.6
6.3 2.6
4.0
2.4 1.6
5
6
1,89,041
8,59,092
Global Meltdown n Retail Banking
2.5
7.4
1.6
2.8
6
Retail lending takes the lead ! (Ref: IIBF News dt Nov 30, 2004)
Advs (Rs Cr)
Retail Loans
of which Housing
26,188
12,308 -111 4,399 242
Real Estate ..
Other Personal
-317
7,260
502
2,687
Against FDs
Tourism
MIM FinFest 2009
3,638
841
Global Meltdown n Retail Banking
1,458
266
7
01 Housing Loans
02 Consumer Loans 03 Credit Card Dues 04 Other Per. Loans
89,449
6,256 6,167 87,170
1,34,653
3,810 8,405 1,20,120
50.5
-39.1 36.3 37.8
1,89,041
2,66,988
41.2
27.9
8
8,64,271 11,05,725
Global Meltdown n Retail Banking
21.9
24.1
Personal Loans
Particulars Retail Loans Housing Oct 2006 3,98,055
2,09,468 33,744
11,870 12,692 9,291 1,20,990
2,17,829 35,764
11,913 13,399 8,558 1,40446
2,30,751 39,092
14,221 15,438 8,831 1,47,106
9
Agst FDs
Cr Cards Education Con Durble Others
MIM FinFest 2009
Bank Deposits
Equities / Debentures Mutual Funds Small Savings Life Insurance PF & Pension Funds
MIM FinFest 2009
46.2
1.3 3.6 12.2 13.4 10.5
55.7
1.4 4.8 4.9 14.6 9.2
10
11
12
13
And now,
Credit Cards Mutual Funds Sale of Gold Home Equity Loans Reverse Mortgage Loans Insurance Products Micro Finance Finance to SMEs
MIM FinFest 2009
Payment of Utility Bills Auto-Sweep Rail Ticket Reservations ECS, EFT, ATMs Core Banking Facility Demat Accounts Internet Banking Mobile/SMS Banking Wealth Management
14
01 Housing Loans 02 Consumer Loans 03 Credit Card Dues 04 Auto Loans 05 Other Per. Loans 06 Total Retail Loans
07 Total Loans
18,93,775 23,32,490
24.5
23.2
15
08 FinFest 2009 (6) out of (7) Meltdown n Retail Banking 25.8 MIM % of Global
No revival in Credit demand (BS 8/8/2009) Bank credit grew at unprecedented rates during the 5 years upto 2008 So also Indias GDP Overall credit grew at 27 per cent Retail advances grew at 32 per cent Credit growth declines in 2009 : 18% Expected to grow at 12-14% in 2010 (CRISIL)
MIM FinFest 2009 Global Meltdown n Retail Banking 16
3. Bank of Baroda
4. Canara Bank 5. Bank of India 6. Union Bank 7. IDBI Bank 8. Corporation Bank
MIM FinFest 2009
198
372 215 270 42 275
Global Meltdown n Retail Banking
1,520
1,001 870 597 196 500
17
AXIS BANK
KOTAK BANK TOTAL
MIM FinFest 2009
-49
-19 -361
Global Meltdown n Retail Banking
861
127 3,053
18
BS 8/8/2009 contdCRISIL
Sharp decline expected in retail advances Growth in retail credit slowed sharply to around 4 per cent in 2008-09 from a peak of 42 per cent in 2004-05 Expected to revive, marginally, to 8 per cent in 2009-10 and to 13 per cent in 2010-11 Housing Loans, Auto Loans weak demand Sharp raise in delinquencies and recovery
MIM FinFest 2009 Global Meltdown n Retail Banking 20