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The Indian Banking system has managed to successfully sail through the financial
tornado witnessed by the global economy on the back of sound policies of our apex bank
and fiscal stimulus packages implemented by the Government. Strict regulations relating
to the exposure to derivative instruments, relatively tighter norms on capital adequacy
based on risk-weighted assets and timely intervention by the Reserve Bank of India (RBI)
prevented the severe contagion of the global financial crisis to the Indian banking system.
During the recessionary phase in October 2008–March 2009 period, the RBI was swift to
reduce the policy rates, both repo and reverse repo and provide liquidity to the economy
by reducing the reserve ratios and offering adequate support to the banking system.
Couple of fiscal stimulus packages by the Government, relaxation of norms for certain
sectors like real estate and allowing the banks to restructure its advances too contributed
to the sailing of Indian banks through the rough phase with minimal impact.
According to CARE Research, the Indian Banking Sector is poised for significant growth
in the coming years driven by:
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without prior written permission from CARE
Table of Contents :
INDEX
EXECUTIVE SUMMARY
I. OUTLOOK SECTION
Outlook on credit off-take
Outlook on deposits
Outlook on net interest margins
Outlook on non-performing assets
Outlook on profitability
3. Deposits
Sources of Funds for Banks
Distribution of deposits of Scheduled
Commercial banks (SCB)
Distribution of deposits by Ownership
Deposits mobilisation from Households
Types of Deposits
Current deposits
Saving deposits
Term deposits
Bank group-wise deposit performance
SBI and Associates
Nationalised Banks
Private Sector Banks
Foreign Banks
4. Advances
Type-wise break-up of total advances
Security-wise break-up of total advances
Credit off take in FY09, FY10 and FY11
Sectoral Bank Credit
5. Investments
Break-up of Investments
Statutory Liquidity Rati(SLR) Investment
Non-SLR Investments
6. Total Income
Break-up of total income
Interest on Advances and Investments
Other Income
Fee income
Non-fee income
Profit on sale/revaluation of Investments
7. Total Expenses
Break-up of total expenses
Operating cost – bank group-wise
Staff cost
Non-staff cost
9. Profitability
Profitability of SCB
Bank group-wise performance
SBI and Associates
Nationalized Banks
Private Sector Banks
Foreign Banks
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