1. BANKING INDUSTRY
Study by Maulik

2. What Is Bank?
A bank is an institution which accepts
deposits, withdrawals by cheque and makes
loans and advances.

3. INDUSTRY ANALYSIS
• Banking in India originated in the last decades of the 18th
century
• The first banks were THE GENERAL BANK OF INDIA,
which started in 1786
• The oldest bank in existence in India is the STATE BANK OF
INDIA, which originated as the BANK OF CALCUTTA in
June 1806

4. • The first fully Indian owned bank was the ALLAHABAD
BANK, established in 1865
• The banking industry has grown at a compounded annual rate
of over 51 per cent since April 2001
• Industry life cycle – Growing stage
Industry Analysis Cont…

5. Market structure in Indian
RBI
Scheduled
Commercial
Public Private Foreign
Cooperative
Urban Rural
Unscheduled

6. MARKET STRUCTURE

7. Top 10 banks in the world
• Deutsche Bank, Germany
• Mitsubishi UFJ Bank, Japan
• Industrial & Commercial Bank of China
• HSBC Holdings, UK
• Barclays PLC, UK
• BNP Paribas, France
• Japan Post Bank
• J. P. Morgan Chase & Co. USA
• Credit Agricole SA, France
• Royal Bank of Scotland Group(RBS)

8. Top 10 banks in India
PUBLIC SECTOR BANKS
• State Bank of India(SBI)
• Punjab National Bank
• Bank of Baroda
• Canara Bank
• Bank of India
PRIVATE SECTOR BANKS
• HDFC Bank
• ICICI Bank
• Axis Bank
• Kotak Mahindra Bank
• Yes Bank

9. Top Foreign Banks in India
• CITI Bank
• Standard Chartered Bank
• HSBC Bank
• Royal Bank of Scotland
• BNP Paribas

10. GROWTH RATE
• Private Bank 50%
• Public Sector Bank 15%
• Private Public Bank 35%
• Foreign Bank 20%

11. 7567
2421 2287 2164 2131 2125
1600 1571 1424 1297
0
1000
2000
3000
4000
5000
6000
7000
8000
SBI PNB BOB ICICI BOI CANARA HDFC IDBI AXIS CBI
CREDIT PORTFOLIO (RS.BN)

12. Domestic Credit (2002-11)
57.1 55.8 57.6 58.4 60.9 60.8
67.7 70.4 73 75.1
0
10
20
30
40
50
60
70
80
FY02 FY03 FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11
percentage of GDP

13. 2.9
3.5
2.8
2.3
2.5 2.6
4.2
1.8
3.1
2.7
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
SBI PNB BOB ICICI BOI CANARA HDFC IDBI AXIS CBI
Net interest margin (%)

14. 1.02
1
1.05
1.12
0.97
0.85
0.9
0.95
1
1.05
1.1
1.15
FY07 FY08 FY09 FY10 FY11
Non-performing asset (%)

15. 90
95 95 95
43
45 45 45
65
70
75
70
0
10
20
30
40
50
60
70
80
90
100
FY08 FY09 FY10 FY11
MONEY SUPPIY
CREDIT
DEPOSITS
Benefits of financial inclusion
(%)ofGDP

17. Market share of leading bank(2011)
18
6
5
5
5
5
443
3
42
SBI
PNB
BOB
ICICI
BOI
CANARA
HDFC
IDBI
AXIS
CBI
OTHERS

18. Balance Sheet of State Bank of India ------------------- in Rs. Cr. -------------------
Mar '13 Mar '12 Mar '11 Mar '10 Mar '09
12 mths 12 mths 12 mths 12 mths 12 mths
Capital and Liabilities:
Total Share Capital 684.03 671.04 635.00 634.88 634.88
Equity Share Capital 684.03 671.04 635.00 634.88 634.88
Share Application Money 0.00 0.00 0.00 0.00 0.00
Preference Share Capital 0.00 0.00 0.00 0.00 0.00
Reserves 98,199.65 83,280.16 64,351.04 65,314.32 57,312.82
Revaluation Reserves 0.00 0.00 0.00 0.00 0.00
Net Worth 98,883.68 83,951.20 64,986.04 65,949.20 57,947.70
Deposits 1,202,739.57 1,043,647.36 933,932.81 804,116.23 742,073.13
Borrowings 169,182.71 127,005.57 119,568.96 103,011.60 53,713.68
Total Debt 1,371,922.28 1,170,652.93 1,053,501.77 907,127.83 795,786.81
Other Liabilities & Provisions 95,455.07 80,915.09 105,248.39 80,336.70 110,697.57
Total Liabilities 1,566,261.03 1,335,519.22 1,223,736.20 1,053,413.73 964,432.08
Mar '13 Mar '12 Mar '11 Mar '10 Mar '09
12 mths 12 mths 12 mths 12 mths 12 mths
Assets
Cash & Balances with RBI 65,830.41 54,075.94 94,395.50 61,290.87 55,546.17
Balance with Banks, Money at Call 48,989.75 43,087.23 28,478.65 34,892.98 48,857.63
Advances 1,045,616.55 867,578.89 756,719.45 631,914.15 542,503.20
Investments 350,927.27 312,197.61 295,600.57 285,790.07 275,953.96
Gross Block 6,595.71 5,133.87 4,764.19 11,831.63 10,403.06
Accumulated Depreciation 0.00 0.00 0.00 7,713.90 6,828.65
Net Block 6,595.71 5,133.87 4,764.19 4,117.73 3,574.41
Capital Work In Progress 409.31 332.68 0.00 295.18 263.44
Other Assets 47,892.03 53,113.02 43,777.85 35,112.76 37,733.27
Total Assets 1,566,261.03 1,335,519.24 1,223,736.21 1,053,413.74 964,432.08

19. Balance Sheet of HDFC Bank ------------------- in Rs. Cr. -------------------
Mar '14 Mar '13 Mar '12 Mar '11 Mar '10
12 mths 12 mths 12 mths 12 mths 12 mths
Capital and Liabilities:
Total Share Capital 479.81 475.88 469.34 465.23 457.74
Equity Share Capital 479.81 475.88 469.34 465.23 457.74
Share Application Money 0.00 0.00 0.30 2.91 0.00
Preference Share Capital 0.00 0.00 0.00 0.00 0.00
Reserves 42,998.82 35,738.26 29,455.04 24,911.13 21,064.75
Revaluation Reserves 0.00 0.00 0.00 0.00 0.00
Net Worth 43,478.63 36,214.14 29,924.68 25,379.27 21,522.49
Deposits 367,337.48 296,246.98 246,706.45 208,586.41 167,404.44
Borrowings 39,438.99 33,006.60 23,846.51 14,394.06 12,915.69
Total Debt 406,776.47 329,253.58 270,552.96 222,980.47 180,320.13
Other Liabilities & Provisions 41,344.40 34,864.17 37,431.87 28,992.86 20,615.94
Total Liabilities 491,599.50 400,331.89 337,909.51 277,352.60 222,458.56
Mar '14 Mar '13 Mar '12 Mar '11 Mar '10
12 mths 12 mths 12 mths 12 mths 12 mths
Assets
Cash & Balances with RBI 25,345.63 14,627.40 14,991.09 25,100.82 15,483.28
Balance with Banks, Money at Call 14,238.01 12,652.77 5,946.63 4,568.02 14,459.11
Advances 303,000.27 239,720.64 195,420.03 159,982.67 125,830.59
Investments 120,951.07 111,613.60 97,482.91 70,929.37 58,607.62
Gross Block 2,939.92 2,703.08 2,347.19 2,170.65 4,707.97
Accumulated Depreciation 0.00 0.00 0.00 0.00 2,585.16
Net Block 2,939.92 2,703.08 2,347.19 2,170.65 2,122.81
Capital Work In Progress 0.00 0.00 0.00 0.00 0.00
Other Assets 25,124.60 19,014.41 21,721.64 14,601.08 5,955.15
Total Assets 491,599.50 400,331.90 337,909.49 277,352.61 222,458.56

20. Thank you