TAILIEUCHUNG - Indian banks: performance benchmarking report FY12 results

At the end of the 1980s, more than 1,000 savings & loan institutions in the United States were threatened by insolvency due to financing with divergent maturity dates in connection with high interest rates for depositors but comparatively low rates on mortgage lending. 11 In 1989, the Resolution Trust Corporation (RTC) – a bad bank – was founded. The RTC was set up with government funding and to a limited extent with money from private investors. Between 1989 and 1995, the RTC took over 747 bankrupt S&Ls with a book value of 394 billion dollars. The S&L bailout cost US taxpayers. | Basis of preparation As of 30 March 2012 top 10 banks by market capitalization have been selected for the purpose of analysis in this report. All the data and statistics in the publication are primarily based on the annual reports published by respective banks besides analyst presentation press releases and earnings call transcripts wherever relevant. All aggregate numbers for the banks in study are either the sum of numbers for individual banks or the average of numbers for all the banks as appropriate. Some of the ratios which either have inconsistent definitions or have not been disclosed by the banks have been calculated using formulas across banks. KPMG International or any other KPMG member firm has no role in ranking these banks in any way and their mention here is not an endorsement of these banks. The top 10 banks selected for the analysis in this publication as based on the market capitalization as of 30 March 2012 are State Bank of India SBI Punjab National Bank PNB Canara Bank the Bank of India BoI Bank of Baroda BoB ICICI Bank HDFC Bank Axis Bank Kotak Mahindra Bank KMB and IndusInd Bank IIB . MG International Cooperative KPMG International a Swiss entity. All rights reserved. Indian banks Performance benchmarking report j Table of Contents F Chapter 1 Performance at a glance 01 Chapter 2 Summary 03 Chapter 3 Financial performance 05 Profitability 05 Cost 09 Shareholders returns 10 Chapter 4 Financial position 15 Balance sheet 15 Asset quality 19 Capital adequacy 23 Chapter 5 Sector commentary 25 Focus on retail banking 25 Financial Inclusion remain a top priority 27 Making the best use of technology 28 Chapter 6 Regulation 31 Regulations shaping the growth of the sector 31 Exciting times ahead 34 Chapter 7 The future landscape 35 Banks supervision to undergo significant changes 35 Emerging class of new distributors to impact banks business models 36 Data analytics to play a larger role 36 Economic outlook 37 Banking outlook 39 2012 KPMG an Indian .

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