Professional Documents
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Financial Foresights April2013
Financial Foresights April2013
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Acknowledgments
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Contents
1.
PREFACE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
2.
INDUSTRY INSIGHTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
3.
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Capital Markets Sector
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Industry Insights
NBFCs have
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commercial banks and
have prevented the
concentration of credit
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country by taking
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Archana S Bhargava
Executive Director
Canara Bank
Micro Finance
Institutions are
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The penetration of
IRUPDOQDQFLDO
services is still far
lower than the desired
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proportion of the
households, especially
in rural areas, remain
outside the coverage
of the formal banking
system
Industry Insights
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5000
Per cent
3257
Rs. Billion
80
3904
3000
2466
2000
100
4680
4000
CRISIL believes
that the major
retail NBFCs have
strengthened their
underwriting and
collection systems
after the delinquency
pressures they
witnessed over the
two years ended
2008-09
60
40
1846
20
1000
0
Mar-10
Mar-11
Mar-12
Mar-13 (E)
Mar-14 (P)
0
Mar-10
Mar-11
Mar-12
Mar-13 (E)
Mar-14 (P)
Vehicle Finance
Gold loans
Corporate/SME
LAS
Personal Loans
Others
LAP
Industry Insights
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Banks
NBFCs
SemiUrban &
Rural,
30%
Urban &
Metro,
40%
Urban &
Metro,
70%
SemiUrban &
Rural,
60%
3.5
3.5
3.0
Per cent
2.5
2.0
2.0
1.9
2.0 - 2.2
1.6
1.5
1.0
0.5
0.0
Mar-10
Mar-11
Mar-12
Mar-13 (E)
Mar-14 (P)
Industry Insights
Origination and
Underwriting:
Regulatory framework
to ensure stability and
continuing origination of
priority sector loans by
NBFCs
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Conclusion
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Suman Chowdhury
Director - Financial Sector Ratings
CRISIL Limited
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NBFCs have
been playing a
complementary role
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institutions including
banks in meeting the
funding needs of the
economy
Industry Insights
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Federal Bank
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Answer: 1F
Answer: 2E
Answer: 3D
Answers of Jumble
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