Now Available BANKING INFRASTRUCTURE IN INDIA Segment Analysis, Outlook and Opportunities India Infrastructure Research www.indiainfrastructure.com
Banking Infrastructure in India Table of Contents SECTION I: MARKET ANALYSIS AND OUTLOOK 1. Sector Overview Banking Sector Snapshot Banking Profile and Features Banking Industry Structure-Commercial Banking Banking Industry Structure-Co-Operative Banking Overall Size and Growth - Total Assets and Liabilities - Bank Deposits - Loans and Advances - Profitability Composition of Credit Exposure-by Sector and Bank Type Legal Framework Types of Banking Channels Current Infrastructure Channel Network Growth Key Trends Recent Developments Issues and Concerns Sector Outlook The New 4-tier Banking Structure 2. Size and Growth Growth in Banking Infrastructure in India Current Network - Bank Branches - ATMs - POS Terminals Network by Bank Type Infrastructure Penetration and Density Geographical Analysis - Bank Infrastructure - ATM Infrastructure 3. Recent Developments Recent Developments in Physical and Digital Infrastructure Recent Developments in Payments Instruments Technological Developments Recent Policies and Guidelines on Banking Infrastructure New Bank Licences Other Key Developments 4. Policy and Regulatory Framework Existing Legislative Framework- Key Acts and Regulations Existing Legislative Framework-Basel III Regulations Regulatory Bodies Regulatory Functions of RBI Lending Regulations-Priority Sector Targets Interest Rate Regulations Regulatory Reforms-Recent Initiatives Future Expectations Issues and Challenges 5. Outlook, Opportunities and Projections Key Growth Drivers for the Indian Banking Sector Outlook for Credit Demand Outlook for Retail Credit Outlook for Banking Infrastructure - Branches - ATMs - POS Terminals - Mobile Banking - Internet Banking 6. Opportunities for Technology Solutions Providers Technology in Banking-Techfin versus Fintech Global Fintech Market-Current Size and Growth Drivers Indian Fintech Market Indian Fintech Ecosystem-Key Segments and Players Indian Fintech Market-Maximum Traction Fintech in Payments Processing-Global Scenario Fintech in Payments Processing-Indian Scenario Fintech in Security and Biometrics Key Emerging Themes in Fintech Techfin-Core Banking Solutions Techfin-Payments and Small Finance Banks Regulatory Supervision of Banks IT Initiatives Recent Regulatory Initiatives Outlook for the Indian Fintech Market SECTION II: PHYSICAL INFRASTRUCTURE 7. Bank Branches Growth in Commercial Bank Branches Bank-wise Growth in Branches Key Trends in Year-on-Year Growth Geographical Analysis-Region-wise Trends Geographical Analysis-Rural-Urban Trends Trends in Deposits and Advances Emerging Trends in Branch Banking Cost and Economics - Regional Variations - Rural-Urban Variations Average Size of Deposits and Credits Outlook and Projections
8. ATM Infrastructure Evolution of ATMs in India ATM Installations-Public Sector Banks ATM Installations-Private and Foreign Banks Key Players Geographical Analysis Key Policy and Regulatory Initiatives Key Trends and Developments Growth in Debit Cards Cost and Economics Technology Advancements-Cards and Network Channels Outlook and Projections The Way Forward for ATMs 9. POS Terminals POS Terminals-Key Functions and Participants Card Usage at POS Bank-wise POS Terminals Technology Used-Hardware and Software Solutions Technology Used-Switching Systems Recent Policy and Regulatory Developments Cost and Economics Outlook and Projections SECTION III: DIGITAL INFRASTRUCTURE 10. Payments and Settlements Payments Systems-Overview Regulatory Framework-Payment and Settlement Systems (PSS) Act, 2007 Payments Systems in India Key Stages in the Evolution of Payment Systems Growth in Non-Cash Payments Systems in India Paper Clearing CCIL-Operated Systems Pre-Paid Payment Instruments Real-Time Gross Settlement System Debit and Credit Cards Retail Electronic Clearing Share of Different Payments Systems in Overall Transactions Key Trends Recent Initiatives New Payment Platforms and Channels The Way Forward 11. Mobile Banking Growth of Mobile Subscriber Base in India Mobile Banking-Models and Penetration Evolution of Mobile Banking in India Bank-wise Transactions Bank Group-wise Transactions and Geographical Spread Mobile Banking Channels - SMS and Mobile Apps - USSD and PPI Mobile Banking Initiatives of Major Banks Key Trends and Developments - UPI - Mobile Wallets - Host Card Emulation Key Regulations Outlook 12. Internet Banking Growth of Internet Subscriber Base in India Internet Banking in India Internet Banking Initiatives of Major Banks RBI Guidelines on Internet Banking SECTION IV: KEY PLAYER PROFILES 13. Profiles of Key Banks Public Sector Banks - State Bank of India - Bank of Baroda - Bank of India - Punjab National Bank - Canara Bank Private Banks - ICICI Bank - HDFC Bank - Axis Bank - YES Bank - IndusInd Bank - Kotak Mahindra Bank Foreign Banks - Citibank - HSBC - Standard Chartered Bank Release Date: October 7, 2016 No. of slides: 197
Banking Infrastructure in India List of Tables and Figures LIST OF TABLES Growth in Deposits by Population Area Growth in Deposits by Geographical Region Growth in Profitability Sector-wise Credit Exposure as of March 2016 Sector-wise Credit Growth Rates of SCBs Bank Group-wise Network Size of Banking Channels (as of December 2015) Branch and ATM Network (as of December 2015) Profitability of SCBs Growth in Banking Infrastructure and Mobile and Internet Subscribers during 2010-16 Region-wise Growth in Bank Branches of SCBs during 2009-16 Bank-wise Growth in Number of Branches during 2010-16 Bank-wise Growth in Number of ATMs during 2010-16 Bank-wise Growth in POS Terminals during 2010-16 Market Share in POS Terminals Bank-wise Growth in Branches and ATMs Population Spread of Branches and ATMs as of end-march 2016 Population Density of Bank Branches Region-wise Distribution of Branches, Deposits and Credits (as of end-march Region-wise Share of Branches, Deposits and Credits (as of end-march Region-wise Distribution of ATMs (as of end-march Population-wise Distribution of ATMs Region-wise Share of Branches, Deposits, Advances and ATMs as of end-march 2016 Capital Adequacy Norms for SCBs excluding Regional Rural Banks and Local Area Banks (as a percentage of risk weighted assets) Key Segments and Players in the Indian Fintech Ecosystem Growth in Bank Branches over the Years Bank-wise Growth in Branches from 2005-16 Region-wise Growth in Bank Branches of SCBs during 2009-16 Population Area-wise Distribution of Branches across Regions (March Region-wise Business Volumes (March Region-wise Current Account Saving Account (CASA) and Term Deposits as of March 2016 Transaction Cost as % of Loans Transaction Cost of Different Banking Channels Region-wise Distribution of Branches and Business Volumes (March Rural-Urban Distribution of Business Volumes (March Distribution Pattern of Deposits and Advances (as of March Branch Expansion Plans of Select Banks Number of Operational ATMs in India Number of ATM Terminals per million Inhabitants in Different Countries On-Site and Off-Site ATMs in India Growth of ATM Installations by Bank Group Growth in ATM Transactions Population Area-wise ATM Installations by Public Sector Banks (March Population Area-wise ATM Installations by Private Banks (March Population Area-wise ATM Installations by Foreign Banks (March Geographical Spread of ATM Installations (March Population Area-wise ATM Installations (March ATM Installations across Bank Groups (March Trends in Substitution Ratios of ATMs to Physical Branches Bank Group-wise Growth in Debit Cards Issued Analysis of Cost and Economics using actual ATM Transactions during 2015-16 POS Penetration across Countries Bank-wise Growth in POS Terminals Debit and Credit Usage at POS during 2012-16 Bank-wise POS Terminals (March Cost-Benefit Analysis of POS Terminals Usage of Key PPIs in India Credit and Debit Card Usage at ATMs Credit and Debit Card Usage at POS Telecom Subscription Data in India (as of March 31, Growth in Global Mobile Subscriptions Growth in Global Mobile Subscriptions per 100 people Bank-wise Mobile Banking Transactions during 2015-16 Bank Group-wise Mobile Banking Transactions Operational Performance of State Bank of India Financial Performance of State Bank of India Key Financial Ratios of State Bank of India Physical Infrastructure of State Bank of India (March Operational Performance of Bank of Baroda Financial Performance of Bank of Baroda Key Financial Ratios of Bank of Baroda Physical Infrastructure of Bank of Baroda (March Operational Performance of Bank of India Financial Performance of Bank of India Key Financial Ratios of Bank of India Physical Infrastructure of Bank of India (March Operational Performance of Punjab National Bank Financial Performance of Punjab National Bank Key Financial Ratios of Punjab National Bank Physical Infrastructure of Punjab National Bank (March Operational Performance of Canara Bank Financial Performance of Canara Bank Key Financial Ratios of Canara Bank Physical Infrastructure of Canara Bank (March Operational Performance of ICICI Bank Financial Performance of ICICI Bank Key Financial Ratios of ICICI Bank Physical Infrastructure of ICICI Bank (March Operational Performance of HDFC Bank Financial Performance of HDFC Bank Key Financial Ratios of HDFC Bank Physical Infrastructure of HDFC Bank (March Operational Performance of Axis Bank Financial Performance of Axis Bank Key Financial Ratios of Axis Bank Physical Infrastructure of Axis Bank (March Operational Performance of YES Bank Financial Performance of YES Bank Key Financial Ratios of YES Bank Physical Infrastructure of YES Bank (March Operational Performance of IndusInd Bank Financial Performance of IndusInd Bank Key Financial Ratios of IndusInd Bank Physical Infrastructure of IndusInd Bank (March Operational Performance of Kotak Mahindra Bank Financial Performance of Kotak Mahindra Bank Key Financial Ratios of Kotak Mahindra Bank Physical Infrastructure of Kotak Mahindra Bank (March Operational Performance of Citibank
Financial Performance of Citibank Key Financial Ratios of Citibank Physical Infrastructure of Citibank (March Operational Performance of HSBC Financial Performance of HSBC Key Financial Ratios of HSBC Physical Infrastructure of HSBC (March Operational Performance of Standard Chartered Bank Financial Performance of Standard Chartered Bank Key Financial Ratios of Standard Chartered Bank Physical Infrastructure of Standard Chartered Bank (March LIST OF FIGURES Growth in Deposits, Borrowings, and Loans & Advances during 2006-15 Growth in Total Assets from 2010-15 Growth in Total Liabilities from 2010-15 Breakup of Assets Breakup of Liabilities Total Assets by Bank Type Deposits by Bank Type Deposits by Category Deposits by Population Area Deposits by Geographical Region Advances by Bank Type (December 2015) Advances by Sector (December 2015) Growth of Advances by Bank type Infrastructure Split by Type of Bank (December 2015) Infrastructure Split by Area (December 2015) Growth of Branch Network by Bank Group Growth of ATM Network by Branch Group Movements in Assets, Credit and Deposit Growth of SCBs Trends in CRAR Number of Branches per 1,000 km Number of Branches per 100,000 of population Sectors Expected to see Rise in Long-Term Credit Mortgage Penetration Rate Expected Growth in Mortgage Loans Number of Branches and ATMs per 100,000 people Branch and ATM Additions (2001-20) Market Size of Global Fintech Market in 2015 Market Revenue by Segment of Global Fintech Market in 2015 Indian Fintech market by category in 2015 Market Revenue by Segment of Indian Fintech Market in 2015 Segments with Maximum Traction in the Indian Fintech Market Total Revenue of Global Mobile Payments Market Expected Growth in the Size of Indian Fintech Market Year-on-Year Growth in Bank Branches Share of Rural and Urban Branches in CASA Deposits Growth in Non-Cash Transaction Volumes from 2006-07 to 2016-17 Paper-based Clearing Transactions by Volume Paper-based Clearing Transactions by Value Usage of CCIL-operated Systems by Volume Usage of CCIL-operated systems by Value Growth in RTGS Transactions from 2011-12 to 2015-16 Card Usage at ATMs Card Usage at POS Size and Growth of Different Retail Systems Volume-wise Share of Different Payments Systems in India Value-wise Share of Different Payments Systems in India Mobile Banking Penetration by Country Growth of Mobile Banking Transactions in India Growth in E-Commerce versus Mobile Banking Geographical Spread of Mobile Banking Growth of Internet Subscriber Base in India during 1999-2016 Internet Penetration across Major Countries Growth in Transaction Values of Different Payments Systems from 2011-12 to 2015-16 Growth in Transaction Volumes of Different Payments Systems from 2011-12 to 2015-16 Trends in Adoption of Online Banking and Online Shopping Growth in Mobile Internet Subscribers Deposits Portfolio of State Bank of India (March Advances Portfolio of State Bank of India (March Deposits Portfolio of Bank of Baroda (March Advances Portfolio of Bank of Baroda (March Deposits Portfolio of Bank of India (March Advances Portfolio of Bank of India (March Deposits Portfolio of Punjab National Bank (March Advances Portfolio of Punjab National Bank (March Deposits Portfolio of Canara Bank (March Advances Portfolio of Canara Bank (March Deposits Portfolio of ICICI Bank (March Advances Portfolio of ICICI Bank (March Deposits Portfolio of HDFC Bank (March Advances Portfolio of HDFC Bank (March Deposits Portfolio of Axis Bank (March Advances Portfolio of Axis Bank (March Deposits Portfolio of YES Bank (March Advances Portfolio of YES Bank (March Deposits Portfolio of IndusInd Bank (March Advances Portfolio of IndusInd Bank (March Deposits Portfolio of Kotak Mahindra Bank (March Advances Portfolio of Kotak Mahindra Bank (March Deposits Portfolio of Citibank (March 2015) Advances Portfolio of Citibank (March 2015) Deposits Portfolio of HSBC (March Advances Portfolio of HSBC (March Deposits Portfolio of Standard Chartered (March Advances Portfolio of Standard Chartered (March
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