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Retail Banking

Retail Banking

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Published by Sunil Deore

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Published by: Sunil Deore on May 05, 2011
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06/06/2013

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RETAIL BANKING

By Sunil Deore

Agenda ‡ ‡ ‡ ‡ ‡ Introduction Key facts Retail Banking Major Happening Future Perspective Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

Introduction ‡ Refer to banking services dealing with individual customer needs.Personal loans . BC.but core banking services.Saving . ‡ Cover services like DD.Plastic money etc Introduction Key Facts Retail Banking Major Happenings Future Perspectives .Credit . ‡ Normally no exclusive retail Bank . Current a/c . FD . Debit .

Key Facts ‡ Total Banking Growth (in lakh crore Rupees ) Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

Key Facts Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

Key Facts Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

Key Facts Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

Retail Banking Key Facts Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

with all its components barring credit card.22.Retail Banking Key Facts ‡ Predicted 29 per cent annual growth ‡ Personal loans grew significantly by 17. ‡ Total Retail Loans 6.1 per cent during the previous year.752 crores (March 2010) Introduction Key Facts Retail Banking Major Happenings Future Perspectives .0 per cent during 2010-11 as compared with 4.

Retail Banking Drivers ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ Huge untapped demand Rebound in profitability for financiers Improving affordability Increasing propensity to consume Penetration level is still low. Improving income demographics Higher affordability Rise in penetration of retail assets High proportion of young people with high material aspirations Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

Retail Banking Major Retail Loans ‡ Major Type of Retail Loans Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

Retail Banking Home Loans ‡ Top 10 bank s home loan portfolio grew at 13.8 per cent for 2009-10. ‡ Home loans to cost more . ‡ Overall bank lending to housing grew by only 8 per cent ‡ State Bank of India Top Mortgage loan giver ‡ Among the fastest growing segment. Introduction Key Facts Retail Banking Major Happenings Future Perspectives .due to continues hike in policy rates.

Retail Banking Automobile Loans ‡ The passenger and commercial vehicles have growing at 30% in terms of sales. ‡ Auto loans to cost more .due to continues hike in policy rates. ‡ Fuel prices and high inflation hurting growth. However Auto industry is bracing for a slowdown . Introduction Key Facts Retail Banking Major Happenings Future Perspectives .

82 crore as on November 2010.75 crore as on March 2008 to 1. with a cumulative transaction value of over Rs 19. ‡ The number of active credit cards in India has dropped from a peak of 2. Partly because of the fact that it offers better option than personal loans. Retail Banking Major Happenings Future Perspectives Introduction Key Facts .Retail Banking Other Loans/Services ‡ Debit card transaction in India is expected to touch 47 crore by 2011.88 crore in March 2010. It has declined to 1. ‡ Another popular service is education loan which is showing a good growth .369 crore.

Introduction Key Facts Retail Banking Major Happenings Future Perspectives . ‡ Know Your Customer concept ‡ Financial services market is highly over leveraged. ‡ Deregulation of savings rate favored by RBI ‡ End of teaser loans by SBI .Major Happenings ‡ Large portion of the Indian population is simply not "bankable .

‡ Banks must focus on     Sustaining Customer loyalty NPA reduction & Fraud prevention Avoiding Debt Trap for customers Bringing Rural masses into mainstream banking Introduction Key Facts Retail Banking Major Happenings Future Perspectives . ‡ It is being expected that banks will decide on their core competency and cater only to that selected segment.Future perspective ‡ Each economy has its own characteristics bank s need to identify & innovate as per needs. ‡ Over-dependence on one single segment (urban ) is bound to bring in inflexibility in the business.

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