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A Perspective on IndiaA CHALLENGING 2008After four consecutive years of strong gains, Indian equity markets have shownsigns of aslowdown in 2008. The downturn could be attributed to a combination of factors,includingweakening global sentiment and concerns regarding domestic inflation and growth.Globally,there has been a reassessment of the risk premiums attached to equities as anasset class in lightof weakening growth and uncertainty about the extent of the impact to creditmarkets.In India, recent data has pointed toward a moderation in industrial production andrisinginflationary pressures. Positive foreign institutional investor (FII) flows,combined with stronginflows from domestic insurance companies and mutual funds, were all largecontributors forcapital inflow and clearly led to momentum buying in certain sectors. However, asliquidityflows have begun to decline, a reversal of last year’s trends has begun to takeplace. Many ofthe sectors that had moved ahead of fundamentals last year due to momentum buying,such asconsumer goods and information technology, have not sustained investor interest.This year, astrends have begun to reverse, many investors are focusing more on fundamentals.SEPTEMBER 2008 INVESTMENT INSIGHTFranklin Global AdvisersINDIAN ECONOMYKey implications—demand and investmentEconomic growth in India has been above trend for the past few years and has beenaided by theavailability of capital, low domestic interest rates, and strong FII flows. Thesefactors havehelped push domestic consumption and investment in recent years. The Reserve Bankof India(RBI) began to tighten rates over the last couple of years in order to moderatestrong creditgrowth and avoid a bubble scenario. Rising rates and input costs appear to haveimpactedgrowth in interest rate sensitive sectors and RBI’s efforts to contain creditgrowth have clearlyhad an impact. The slowdown in industrial production numbers is an indication ofthe sametrend. However, we should keep in mind that the composition of the index ofindustrialproduction is outdated and that India is predominantly a service-led economy.73.1 -37.4 MSCI India Index17.4 -6.5 FII flows** (US$ billion)-3.8 -24.5 BSE IT34.7 -14.6 BSE FMCG149.4 -47.6 BSE Power92.2 -63.1 BSE Realty81.0 -47.2 BSE Bankex117.5 -52.1 BSE SmallCap89.4 -47.3 BSE MidCap75.4 -34.0 S&P CNX Nifty
 
64.7 -34.4 BSE Sensex2007 YTD 2008* % ChangeAll returns in USD.*As of 31 July 2008.**FII flows as of 30 June 2008.At this stage, the Indian economy is facing headwinds in terms ofinflationary pressures and policy responses (fiscal and monetary) totame increasing prices. We expect economic growth and consumerdemand to be impacted by recent price increases and higherborrowing costs. The expected wage increases as a result of the SixthPay Commission recommendation and farm loan waiver could boostconsumption, but are likely to worsen the fiscal deficit.CORPORATE INDIAKey implications—earnings growthIn recent years, strong economic fundamentals and readily availablecapital boosted the confidence of Indian companies, which havedelivered earnings growth of nearly 30%. Growing confidence wasalso reflected in the sharp rise in the number of overseas acquisitionsmade by leading companies as they sought to increase their globalfootprint. As a result, Indian stocks have traded at a premium due toconsistently superior return on equity and better growth prospects.Return on Equity (ROE) Trend (%), 1995–2007Franklin Global AdvisersFollowing an 8.8% growth in the first quarter of 2008, the Indianeconomy grew by 7.9% in the second quarter owing to moderation inindustrial output. In our view, domestic consumption andimprovement in farm output are likely to support GDP growth.While consensus estimates for GDP growth in fiscal year 2009 arebeing revised to around 7–8%, India is likely to remain one of thefastest-growing economies in the world, despite the downshift inglobal economic growth.India GDP Growth (% YOY), 1991–2008Source: Bloomberg, 8 July 2008.Source: Citigroup, May 2008.While RBI tightened domestic liquidity and also restricted overseasborrowings, Indian companies benefited from strong FII flows(cheaper money through primary/secondary market offerings). As aresult, rising demand due to increasing disposable incomes togetherwith strong economic growth boosted the bottom line.Given the recent monetary tightening and lack of FII flows, Indiancompanies are likely to face some difficulties raising capital for theirexpansion. However, the government and central bank have recentlyundertaken steps to improve access to capital by relaxing overseasborrowing terms, which should also help in tempering the weakrupee. The latter is likely to help the export competitiveness for Indiagiven that other Asian currencies have been appreciating against theU.S. dollar.Oil remains a key factor given that oil imports account for close to75% of India’s crude oil requirements. The fluctuations in oil priceswill affect India’s balance of payments and put further pressure onthe rupee, but the large foreign exchange market (forex) reserves andstrong invisibles should provide a buffer.Crude Oil Prices, 2002–2008175225275325375
 
425475Jan-02Jul-02Jan-03Jul-03Jan-04Jul-04Jan-05Jul-05Jan-06Jul-06Jan-07Jul-07Jan-08Jul-080255075100125150WTI US$ Per Barrel (RS)CRB Food Index (LS)CRB Commodity (LS)05101520251995199619971998199920002001200220032004200520062007EIndia EM World Asia Pacific ex-JapanSource: FactSet, MSCI, Morgan Stanley Research, June 2008.5.31.35.15.97.3 7.37.84.86.56.04.45.8
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