Recent time has witnessed the world economy develop serious difficulties in terms of lapse of banking & financial institutions and plunging demand. Prospects became very uncertain causing recession in major economies. However, amidst all this chaos India’s banking sector has been amongst the few to maintain resilience.

A progressively growing balance sheet, higher pace of credit expansion, expanding profitability and productivity akin to banks in developed markets, lower incidence of nonperforming assets and focus on financial inclusion have contributed to making Indian banking vibrant and strong. Indian banks have begun to revise their growth approach and re-evaluate the prospects on hand to keep the economy rolling. The way forward for the Indian banks is to innovate to take advantage of the new business opportunities and at the same time ensure continuous assessment of risks.

A rigorous evaluation of the health of commercial banks, recently undertaken by the Committee on Financial Sector Assessment (CFSA) also shows that the commercial banks are robust and versatile. The single-factor stress tests undertaken by the CFSA divulge that the banking system can endure considerable shocks arising from large possible changes in credit quality, interest rate and liquidity conditions. These stress tests for credit, market and liquidity risk show that Indian banks are by and large resilient.

Thus, it has become far more imperative to contemplate the role of the Banking Industry in fostering the long term growth of the economy. With the purview of economic stability and growth, greater attention is required on both political and regulatory commitment to long term development programme. This report discusses in detail the issues, challenges surrounding the Indian Banking Sector and the factors affecting it. The report discusses the key drivers, challenges, Market Forces affecting the Banking Sector on the whole.

The report begins with introduction to Banking Sector, the history and evolution of Banking Sector in India, the regulatory bodies of the government controlling the Banking Sector followed by detailed Industry Analysis of the Banking Sector. It then covers the Macro & Micro Environmental Factors like Porter’s 5 Forces Model and detailed SWOT Analysis to understand the market and its structure on the whole. This is followed by Key Drivers, and Challenges faced by the Banking sector. There are many other risks like Market Risk, Credit Risks covered and the need of improving the efficiency of the system. The report covers key hurdles faced by the sector in the end followed by Globalization issues.

 

Executive Summary
Introduction to Indian Banking System
History of the Indian Banking Sector
Reserve Bank of India and Banking & Financial Institutions
Role of RBI in the Indian Banking Sector
Reforms in the Indian Banking Sector
Reduction of SLR & CRR
Minimum Capital Adequacy
Prundential Norms
Dealing with the problem of NPAs
Asset Quality - Increased Transparency
Rationalization of Foreign Operations in India
Special Tribunals & Asset Reconstruction Act
Restructuring of Weak Banks
Asset Liability Management System
Reduction of Government stake in PSBs
Deregulation of Interest Rates
Developments in the Indian Banking Sector
Voluntary Retirement Scheme
Universal Banking
Banks V/s DFIS
Mergers and Acquisitions
Banking & Insurance
Rural Banking
Virtual Banking
Retail Banking
SWOT Analysis of Indian Banking Industry
PESTLE Analysis of Indian Banking Industry
Risk Management in Banks
Key Drivers for Development of Indian Banks
Prospects of Banking in India
Challenges- Indian Banking Industry
Challenges for Retail banking in India
Remedies for Indian Banking Sector: Analyst’s Recommendations
Road Ahead: Innovations in Banking in next 5 years in India
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