Banking
FINANCIAL SERVICES
Indian banks: performance benchmarking report
FY12 results kpmg.com/in 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).
© 2012 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved.
Indian banks: Performance benchmarking report
|
Table of Contents
Chapter 1: Chapter 2: Chapter 3: Performance at a glance Summary Financial performance
Profitability Cost Shareholders’ returns
01 03 05
05 09 10
Chapter 4:
Financial position
Balance sheet Asset quality Capital adequacy
15
15 19 23
Chapter 5:
Sector commentary
Focus on retail banking Financial Inclusion remain a top priority Making the best use of technology
25
25 27 28
Chapter 6:
Regulation
Regulations:
Indian banks: performance benchmarking report
FY12 results kpmg.com/in 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).
© 2012 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved.
Indian banks: Performance benchmarking report
|
Table of Contents
Chapter 1: Chapter 2: Chapter 3: Performance at a glance Summary Financial performance
Profitability Cost Shareholders’ returns
01 03 05
05 09 10
Chapter 4:
Financial position
Balance sheet Asset quality Capital adequacy
15
15 19 23
Chapter 5:
Sector commentary
Focus on retail banking Financial Inclusion remain a top priority Making the best use of technology
25
25 27 28
Chapter 6:
Regulation
Regulations: