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Imc Mrssoundarakumar Sbi(Retail Banking)

Imc Mrssoundarakumar Sbi(Retail Banking)

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Published by Rony Abilius

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Published by: Rony Abilius on Sep 16, 2010
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09/16/2010

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RETAIL BANKINGRETAIL BANKINGSTRATEGIES FOR THE FUTURESTRATEGIES FOR THE FUTURE
Mrs. Soundara KumarMrs. Soundara KumarGM Personal Banking GM Personal Banking State Bank of IndiaState Bank of India
 
Present
Sc
enarioPresent
Sc
enario
I
ndian
I
ndian retailretail bankingbanking hashas beenbeen showingshowing  phenomenal phenomenal growthgrowth
I
n
I
n 20042004--0505,, 4242%% of of 
c
redit
c
redit growthgrowth
c
ame
c
ame fromfromretailretail
Ov 
er
Ov 
er thethe lastlast 55 years years C
 AGR 
C
 AGR 
hashas beenbeen o
 v 
ero
 v 
er 3535%%
etail
etail
c
redit
c
redit le
 v 
el
c
rossedle
 v 
el
c
rossed
s
s..189189
CroreCrore inin20042004--0505
MarketMarket hashas transformedtransformed intointo aa ¶buyer·s¶buyer·s market·market· fromfrom aa ¶seller·s¶seller·s market·market·
ComprisesComprises of of multiplemultiple produ
c
ts, produ
c
ts,
c
hannels
c
hannels of of distributiondistribution andand multiplemultiple
c
ustomer
c
ustomer groupsgroups
 
Ec
onomy
s.
etail
B
anking
Ec
onomy
s.
etail
B
anking
etail
etail assetsassets areare justjust 2222%% of of thethe totaltotal bankingbanking assetsassets of of 
I
ndia
I
ndiaContributionContribution of of retailretail loansloans toto
GD
P
GD
P::
I
ndia
I
ndia 66%% ChinaChina 1515 %%,,
 T
hailand
 T
hailand 2424%%
 T
aiwan
 T
aiwan 5252%%
I
ndian
I
ndian population population below below 3535 yrs yrs of of 
 A 
ge
 A 
ge ²  ² 7070 %%
ea
c
h
ea
c
h of of 
F
ormal
F
ormal
B
anking
B
anking ChannelsChannels ²  ² 2020--2525%% of of 
I
ndian
I
ndian population population
S
our
c
e
S
our
c
e:: CygnusCygnus
I
ndustry
I
ndustry
I
nsight
I
nsight

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