Private Banking

Below is a list of the top 10 banks in the world in terms of their assets . Rank| Bank| Country| Total Assets (US$b)| Date| 1| Deutsche Bank| Germany| 2,805.50| 31/03/2012| 2| Mitsubishi UFJ Financial Group| Japan| 2,641.22| 31/03/2012| 3| HSBC Holdings| UK| 2,637.22| 31/03/2012| 4| Industrial & Commercial Bank of China| China| 2,607.75| 31/03/2012| 5| BNP Paribas| France| 2,545.34| 31/12/2011| 6| Credit Agricole Group| France| 2,514.81| 31/03/2012| 7| Barclays PLC| UK| 2,430.74| 31/12/2011| 8| Japan Post Bank| Japan| 2,363.15| 31/03/2012| 9| JPMorgan Chase & Co.| USA| 2,320.33| 31/03/2012| 10| Royal Bank of Scotland Group| UK| 2,246.52| 31/03/2012|

World’s largest bank in terms of Market capitalization Rank| Bank| Market cap (US$b, 20/1/2012)| Employees| 1| Industrial & Commercial Bank of China (ICBC)| 240.95| 408,859| 2| China Construction Bank| 195.85| 329,438| 3| Wells Fargo| 160.72| 264,200| 4| HSBC Holdings| 150.90| 300,000| 5| JPMorgan Chase & Co.| 140.95| 260,095| 6| Bank of China| 128.80| 279,301| 7| ItauUnibanco| 88.17| 104,542| 8| Citigroup| 86.67| 266,000| 9| Commonwealth Bank| 82.62| 45,025| 10| Royal Bank Canada| 76.56| 74,000|

Indian Banking Scenario The Indian banking has finally come up to the competitive dynamics and is trying to address the relevant issues in this era of globalization. Banks that employ IT solutions are thought to be futuristic and proactive in their approach towards meeting the requirements of the large customer’s base.

Private Banks have been fast on in reaction to this and are reorienting their strategies by using the internet as a medium The Internet has emerged as the challenging and new frontier of banking industry. Majority of the private as well as public sector banks is diverting their focus towards E-banking facilities.

PERFORMANCE AT A GLANCE a) Public Sector Banks | SBI| PNB| BoB| Canara Bank| BoI| | FY11| FY12| FY11| FY12| FY11| FY12| FY11| FY12| FY11| FY12| Net interest income (INR billion)| 325| 433| 118| 134| 88| 103| 77| 77| 78| 83| Other income (INR billion)| 158| 144| 36| 42| 28| 34| 28| 29| 26| 33| Profit before tax (INR billion)| 150| 185| 66| 70| 57| 60| 50| 41| 35| 36| Profit after tax (INR billion)| 83| 117| 44| 49| 42| 50| 40| 33| 25| 27|

Total assets (INR billion)| 12,237| 13,355| 3,783| 4,582| 3,584| 4,473| 3,359| 3,742| 3,512| 3,845| Total business (INR million)| 16,907| 19,112| 5,500| 6,734| 5,341| 6,722| 5,047| 5,595| 5,150| 5,697| Advances (INR billion)| 7,567| 8,676| 2,421| 2,938| 2,287| 2,874| 2,113| 2,325| 2,162| 2,515| Deposits (INR billion)| 9,339| 10,436| 3,129| 3,796| 3,054| 3,849| 2,934| 3,271| 2,989| 3,182| Source: All the statistics are based on the annual reports, press releases, earning call transcripts and investor presentations published by respective banks

b) Private Sector Banks | ICICI Bank| HDFC Bank| Axis Bank| KMB| IIB| | FY11| FY12| FY11| FY12| FY11| FY12| FY11| FY12| FY11| FY12| Net interest income (INR bilion)| 90| 107| 105| 123| 66| 80| 21| 25| 14| 17| Other income (INR billion)| 66| 75| 43| 52| 46| 54| 8| 10| 7| 10| Profit before tax (INR billion)| 68| 88| 58| 75| 51| 63| 12| 16| 9| 12| Profit after tax (INR billion)| 52| 65| 39| 52| 34| 42| 8| 11| 6| 8|

Total assets (INR billion)| 4,062| 4,736| 2,774| 3,379| 2,427| 2,856| 509| 657| 456| 576| Total business (INR billion)| 4,420| 5,092| 3,686| 4,421| 3,316| 3,899| 586| 776| 605| 774| Advances (INR billion)| 2,164| 2,537| 1,600| 1,954| 1,424| 1,698| 293| 391| 262| 351| Deposits (INR billion)| 2,256| 2,555| 2,086| 2,467| 1,892| 2,201| 293| 385| 344| 424|

Source: All the statistics are based on the annual reports, press releases, earning call transcripts and investor presentations published by respective banks

GDP Growth Expectations | 2010| 2011| 2012e| 2013f| 2014f| World| 4.12| 2.75| 2.45| 2.98| 3.31| High income| 3.05| 1.58| 1.42| 1.88| 2.27| Euro Area| 1.84| 1.56| -0.31| 0.7| 1.4| Japan| 4.46| -0.73| 2.35| 1.45| 1.46| USA| 3.03| 1.74| 2.08| 2.37| 2.76| Developing countries| 7.36| 6.14| 5.29| 5.9| 5.98| India| 9.6| 6.9| 6.6| 6.9| 7.1| China| 10.38| 9.23| 8.17| 8.61| 8.37| Russia| 4.3| 4.3| 3.8| 4.2| 4| Brazil| 7.54| 2.74| 2.95| 4.24| 3.91| Source: “Banks learn to leverage Big Data,” Technology Banker, 9 March 2012 and Global Economic Prospects, June 2012, The World Bank. World Bank, (f) stands for World Bank forecast.