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Indian Banking Industry

Bharat Book introduces a report ” Indian Banking Industry ” Considering large number of employees retiring over the next 4 years, pension outgo is expected to surge in the coming years.

“Credit cycle + Pension + BASEL III – a drag on ROE”
Banks ROE to remain depressed in the coming years due to structural problems
Bank’s ROE contracted 90bps to 15.1% as sharp fall in PSU banks profitability more than offset the impact of improvement in private banks. ROE is likely to remain under pressure driven by (1) continued deterioration of asset quality in the near-term; (2) higher pension costs on expectation of change in current pension assumption; (3) cash infusion to pension fund required to manage the highly underfunded status of pension plan; and (4) increase in equity base to meet higher capital requirement under BASEL III.

Indian banking industry entered into a new wave of credit cycle on weakening economy
Indian banking industry entered into a new wave of credit cycle in FY12 due to weak economic & fiscal scenario (which will prevent govt to come out with another expansionary policy and increases the risk of crowding out of private invts) and persistent trend of high imported inflation (which has made RBI’s stance on tight monetary policy ineffective as it is increasingly hurting growth prospects without necessarily containing “imported” inflation). As a result, gross NPA rose from 2.3% in FY11 to 2.8% in FY12 & restructured assets up from 2.7% in FY11 to 4.9% in FY12. Given our expectation that asset quality will remain under stress in FY13, we forecast banks credit cost to remain at elevated levels in FY13.

ROE of PSU banks to decline due to highly underfunded status of pension fund
Highly underfunded status of pension fund will negatively influence the ROE of PSU banks in the near-term. According to our estimates, PSU banks have a shortfall of Rs. 65,000 cr in pension fund in FY12, which translates to 20% of networth. Considering large number of employees retiring over the next 4 years, pension outgo is expected to surge in the coming years. Consequently, banks would be required to provide cash into pension fund to meet the liabilities, which in turn would negatively impact bank’s ROE. In addition, the current pension assumptions of PSU banks appear to be aggressive compared with private sector banks. Thus, any correction made to the pension assumption will negatively impact the profitability in the coming years.

ROE of banks with low core equity to fall by 100-200bps on higher equity requirement
CARE Research estimates domestic banks will be required to raise equity in the range of $40-50bn ($20bn of CET1 + $20-30bn of AT1) over the next six years to meet BASEL III guidelines. Banks ROE is projected to fall by 80-100bps for every 1% increase in core equity ratio, if other things remain constant. Given that most PSU banks core equity ratio is in the range of 6-9%, we believe their ROE is expected to remain under pressure in the range of 100-200bps on account of higher capital requirement. However, banks could increase/decrease their lending/ deposit rate by 15-25 bps, increase fee income or bring in cost efficiency to protect their ROE to fall from the current levels.

SECTION- I CARE Research’s OUTLOOK
Outlook
Profitability of banks in FY12 and outlook for medium-term
Asset quality trend of PSU and Private sector banks in 4QFY12 and outlook for FY13/14
Credit cost trend in 4QFY12 and near-term outlook
Trend of NIM in 4QFY12 and outlook for FY13
Outlook on operating cost (employee + others) of PSU and Private sector banks
Impact of change in pension assumption on networth and profitability
Impact analysis of underfunded status of pension fund on PSU and Private banks
Impact analysis of BASEL III implementation on banks ROE
CARE research outlook on credit and deposit growth in FY13
Impact analysis of Nair committee recommendation on priority sector lending

For more information kindly visit :
Indian Banking Industry

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Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Fax: + 91 22 27812290
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North America ATM Industry Outlook to 2015

The report titled “North America ATM Market Outlook to 2015” provides a comprehensive analysis on the total number of ATM terminals installed, total number of ATM cards issued, total number of ATM cash withdrawal transactions, total ATM cash withdrawals, top banks in respective countries in terms of total ATM holdings in that country. The report also discusses major trends and developments in the ATM market, company profile of top hardware and software players, government regulations in respective countries and several alternative payment methods (credit cards, debit cards and POS terminals) across various countries.

The future projections included in the report provide an insight on the prospects in the North America and country-wise ATM market. The report covers a detailed coverage on North America region encompassing The US and Canada.

North America
Global ATM market is dominated by the Asia-Pacific region which contributed around ~ thousand ATMs in 2011 to command ~% of the market. Their market share has grown considerably from ~% in 2006. North America is the second largest region contributing ~% to the total global ATM market. This region is led majorly by the US which alone contributed over ~% to the total North America ATM market. North America was the leading region with regard to the ATM market until 2009 after which it was toppled by Asia–Pacific. The decreasing market share of North America can be attributed to the maturity of this market.
The US and Canada constitute the North American region. The US holds the major market share in terms of the total number of ATM machines installed in North America accounting for ~% of the total ATMs installed in that region. This region is a relatively matured market for the ATM industry.
North America is the second largest region contributing ~% to the total global ATM market in 2011. This region is led majorly by the US which alone contributed over ~% to the total North America ATM market. North America was the leading region with regard to the ATM market until 2009 after which it was toppled by Asia–Pacific. The decreasing market share of North America can be attributed to the maturity of this market.

The US
The US is one of the most mature markets for the ATM industry. This country holds around ~% market share in North America.
The US is one of the last countries to embrace the EMV (Europay, MasterCard and VISA) technology. MasterCard and Visa have already declared their plans to shift towards EMV based payment system in the country. Visa is aiming to fuel chip adoption and espousal of mobile transactions and payments through various retailer incentives, processing infrastructure acceptance requirements and counterfeit card liability shift.

Canada
The total ATM terminals installed in Canada has grown at a 5 year CAGR of ~% to record total installation of ~ thousand ATMs in 2011. The total number of ATM cash withdrawal transactions conducted in the US portrayed a decline of ~% to record ~ million transactions in 2010. The ATM cash withdrawal transactions decreased till 2009 and showed a growth of ~% in 2010 and ~% in 2011.

Key Topics Covered in the Report:
– North America region and country-wise market size by total ATM terminals installed, total ATM cash withdrawal transactions and total ATM cash withdrawn
– Market segmentation on the basis of ATM terminals in countries such as the US and Canada
– Total POS terminals in North America
– Total credit cards and debit cards issued in respective countries
– Top banks in respective countries on the basis of total ATM holdings in that country.
– Trends and Development of the ATM Industry.
– ATM frauds
– Threats to the ATM market from some alternative payment methods
– Company profile of the top ATM hardware and software manufacturers
– Future outlook and projections of total ATM terminals installed and total ATM cards issued.

For more information kindly visit :
North America ATM Industry Outlook to 2015

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Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Fax: + 91 22 27812290
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: http://twitter.com/#!/Sandhya3B
Our Blogs: http://twitter.com/#!/bharatbook
http://financemarketreports.blogspot.com/

Middle East and Africa ATM Market Outlook to 2015

The report titled “Middle East and Africa ATM Market Outlook to 2015” provides a comprehensive analysis on the total number of ATM terminals installed, total number of ATM cards issued, total number of ATM cash withdrawal transactions, total ATM cash withdrawals, top banks in respective countries in terms of total ATM holdings in that country. The report also discusses major trends and developments in the ATM market, company profile of top hardware and software players, government regulations in respective countries and several alternative payment methods (credit cards, debit cards and POS terminals) across various countries.

The future projections included in the report provide an insight on the prospects in the Middle East and Africa and country-wise ATM market. The report covers a detailed coverage on Middle East and Africa region encompassing Saudi Arabia, Turkey, Israel, UAE and South Africa.

Middle East & Africa
The Middle East market is growing well and is estimated to grow profoundly over the coming years. Iran is a strongly growing market in this region. Its omission from the western financial system aided in being affected less during times of economic crisis. The country is expected to drive the growth of the Middle East region in the coming years. The total number of ATMs installed in the Middle East and Africa region has grown from ~ thousand in 2006 to ~ thousand in 2011 at a 5 year CAGR of ~%. The total number of ATM cards issued in this country clocked ~ million in 2011 by growing at a CAGR of ~% from 2006.
The market in Middle East and Africa has showcased a marginal growth from ~% global market share in 2006 to ~% market share in 2011. The growth prospects of Middle East and the untapped African market would continue to fuel the ATM market in this region.

Saudi Arabia
Al Rajhi Bank is the world’s leading Islamic bank and has a network covering over ~ branches, over 100 dedicated ladies branches, above ~ ATM’s, ~ POS terminals installed throughout the kingdom of Saudi Arabia. Their Saudi business model is Sharia-compliant adhering to the Islamic banking principles. This bank is the largest FI in Saudi Arabia.
Riyad Bank is the second largest bank in Saudi Arabia in terms of the total number of ATM terminals installed in that country holding ATM market share of ~% via ~ ATMs. The bank has a network of network of over ~branches with ~ ladies sections and ~ self service electronic branches.

Turkey
Turkey is expected to offer bright prospects for growth in this market which is evident by the ongoing developments and innovations in the ATM market of the country. The total number of ATMs in this country is expected to grow from ~ million in 2011 to ~ million in 2015 at a 4 year CAGR of ~%. The total number of ATM cards issued in Turkey is expected to grow at a CAGR of ~% from 2011 to clock ~ million in 2015.

UAE
The total number of ATM terminals installed in UAE grew from ~ thousand in 2006 to ~ thousand in 2011 at a 5 year CAGR of ~%. The total count of ATM cards issued in UAE grew at a CAGR of ~% from ~ million in 2006 to ~ million in 2011. The ATM market in the country has also been driven by the tourism industry.

For more information kindly visit :
Middle East and Africa ATM Market Outlook to 2015

Or

Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Fax: + 91 22 27812290
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: http://twitter.com/#!/Sandhya3B
Our Blogs: http://twitter.com/#!/bharatbook
http://financemarketreports.blogspot.com/

Latin America ATM Industry Outlook to 2015

The report titled “Latin America ATM Market Outlook to 2015” provides a comprehensive analysis on the total number of ATM terminals installed, total number of ATM cards issued, total number of ATM cash withdrawal transactions, total ATM cash withdrawals, top banks in respective countries in terms of total ATM holdings in that country. The report also discusses major trends and developments in the ATM market, company profile of top hardware and software players, government regulations in respective countries and several alternative payment methods (credit cards, debit cards and POS terminals) across various countries.

The future projections included in the report provide an insight on the prospects in the Latin America and country-wise ATM market. The report covers a detailed coverage on Latin America region encompassing Brazil and Mexico.

Latin America
Latin America holds the fourth place in terms of the total ATM terminals installed in the world. Brazil which commands ~% of the ATM market in Latin America, has upheld the ATM market in this region. The contribution Latin America has decreased by ~% from ~% in 2006 to ~% in 2011.
Latin America region is constituted of Brazil and Mexico. The ATM share of Brazil in the Latin America region has decreased from ~% in 2006 to ~% in 2011 while the ATM share of Mexico grew from ~% in 2006 to ~% in 2011.

Brazil
Brazil is one of the largest ATM markets in the world. ATMs in Brazil provide advanced facilities such as bill payment options to customers. This market has tremendous growth potential to renew the installed base. Diebold is one of the largest ATM solutions suppliers in Brazil. The ATM market has been increasing over the years due to an increase in the preference for renovated ATMs over the new ones. Network-sharing deals between banks have also facilitated growth of the ATM market over the period.

Mexico
The total number of ATM terminals installed in Mexico grew from ~ thousand terminals in 2006 to ~ thousand terminals in 2011 at a 5 year CAGR of ~%. The total number of ATM cards issued in the country grew from 2006 at a CAGR of ~% to record ~ million cards in 2011.

Key Topics Covered in the Report:
– Latin America region and country-wise market size by total ATM terminals installed, total ATM cash withdrawal transactions and total ATM cash withdrawn
– Market segmentation on the basis of ATM terminals in Brazil and Mexico
– Total POS terminals in Latin America
– Total credit cards and debit cards issued in respective countries
– Top banks in respective countries on the basis of total ATM holdings in that country.
– Trends and Development of the ATM Industry.
– ATM frauds
– Threats to the ATM market from some alternative payment methods
– Company profile of the top ATM hardware and software manufacturers
– Future outlook and projections of total ATM terminals installed and total ATM cards issued.

For more information kindly visit :
Latin America ATM Industry Outlook to 2015

Or

Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Fax: + 91 22 27812290
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: http://twitter.com/#!/Sandhya3B
Our Blogs: http://twitter.com/#!/bharatbook
http://financemarketreports.blogspot.com/

Global ATM Market Outlook to 2015 – Rising Challenges by Evolving Alternative Payment Methods

The report titled “Global ATM Market Outlook to 2015 – Rising Challenges by Evolving Alternative Payment Methods” provides a comprehensive analysis on the total number of ATM terminals installed, total number of ATM cards issued, total number of ATM cash withdrawal transactions, total ATM cash withdrawals, top banks in respective countries in terms of total ATM holdings in that country. The report also discusses major trends and developments in the global ATM market, company profile of top hardware and software players, government regulations in respective countries and several alternative payment methods (credit cards, debit cards and POS terminals) across various regions.

The future projections included in the report provide an insight on the prospects in the Global, regional and country-wise ATM market. The report covers a detailed coverage on Europe, Asia-Pacific, North America, Middle East and Africa and Latin American region encompassing the US, Canada, the UK, Germany, Spain, France, Italy, China, India, Australia, Japan, Singapore, Saudi Arabia, Israel, UAE, Turkey, South Africa, Brazil and Mexico.

Global
Global ATM market is dominated by the Asia Pacific region which contributed around ~ thousand ATMs in 2011 to command ~% of the market. Their market share has grown considerably from ~% in 2006. The rapid growth in this region has been fuelled by the economic and social developments in the emerging countries such as China and India. The Asia Pacific region is estimated to continue its domination in the long run due to low penetration, economic development and increasing population.

North America is the second largest region contributing ~% to the total global ATM market. This region is led majorly by the US which alone contributed over ~% to the total North America ATM market. North America was the leading region with regard to the ATM market until 2009 after which it was toppled by Asia Pacific. The decreasing market share of North America can be attributed to the maturity of this market.

Asia Pacific
Asia Pacific has been the fastest growing region among the other regions in terms of the total number of ATM terminals installed and total ATM cards issued. Despite the rapid growth in the installations of ATMs in Asia Pacific, the ATM density per capita is still relatively low in several regions, projecting a great scope for further development of the market in the region. The prospects of the ATM market in Asia Pacific are favorable in terms of ATM numbers, services offered and technology used.

The total number of ATM terminals installed in Asia pacific has grown over the period at a 5 year CAGR of ~% from ~ thousand ATMS in 2006 to ~ thousand ATMs in 2011. The total number of ATM cards issued in Asia Pacific has increased from ~ million in 2006 to ~ million in 2010 at a CAGR of ~%.

North America
The US and Canada constitute the North American region. The US holds the major market share in terms of the total number of ATM machines installed in North America accounting for ~% of the total ATMs installed in that region. This region is a relatively matured market for the ATM industry.

The total number of ATM terminals installed in North America was recorded as ~ thousand in 2011 which has grown from 2006 at a 5 year CAGR of ~%. The total number of ATMs installed displayed gradual growth over the period except for a small decline of ~% in 2008. The total number of ATM cards issued in the North America witnessed a decline over the years except for a small growth of ~% in 2007.

For more information kindly visit :
Global ATM Market Outlook to 2015 – Rising Challenges by Evolving Alternative Payment Methods

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Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Fax: + 91 22 27812290
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: http://twitter.com/#!/Sandhya3B
Our Blogs: http://twitter.com/#!/bharatbook
http://financemarketreports.blogspot.com/

Europe ATM Industry Outlook to 2015

The report titled “Europe ATM Market Outlook to 2015” provides a comprehensive analysis on the total number of ATM terminals installed, total number of ATM cards issued, total number of ATM cash withdrawal transactions, total ATM cash withdrawals, top banks in respective countries in terms of total ATM holdings in that country. The report also discusses major trends and developments in the ATM market, company profile of top hardware and software players, government regulations in respective countries and several alternative payment methods (credit cards, debit cards and POS terminals) across various countries.

The future projections included in the report provide an insight on the prospects in the Europe and country-wise ATM market. The report covers a detailed coverage on Europe region encompassing the UK, Germany, Spain, France and Italy.

Europe
Europe is also a matured market for the ATM industry offering less scope for the growth of ATM usage in the region. Recently, numerous financial institutions are migrating to the EMV smart chip technology. ATM deployers are also installing additional security measures and modern technology to stop ATM cash frauds and physical attacks in the region.

ATM linked fraud incidents have been increasing over the years and showed a ~% increase in Europe from 2010. The considerable increase in the number of fraud incidents in Europe can be attributed to the rise in cash trapping incidents which accounted for ~% of the total ATM fraud incidents in the region. There were ~ cash trapping incidents in 2011 which grew by a remarkable ~% from mere ~incidents in 2010

Europe ATM industry has exhibited marginal growth over the period regarding the number of ATMs installed. The total count of ATMs installed in Europe grew from ~ thousand in 2006 to ~ thousand in 2011. The number of ATMs installed in 2010 showcased a marginal decrease of ~% from ~ thousand ATMs installed in 2009. The number of ATM cards issued in Europe presented a growth at a 5 year CAGR of ~% to record ~ billion issued cards in 2011.

The UK
The total ATM cash withdrawal transactions in the UK grew consistently till 2009 and then declined by ~% in 2010 to record ~ billion transactions that year and by ~% in 2011 to further decline to ~ billion transactions. The total cash withdrawn over the years showed growth in 2007 and 2010. The total cash withdrawn in the UK declined in 2008 and 2009 due to the economic crisis which resulted in conservative approach to spending.

Germany
UniCredit holds ~% market share in Germany in terms of the total number of ATMs installed in the country. This bank accounts for around ~ATMs around the country. UniCredit is a major European financial institution based in Italy. This banking institution operates in around ~ countries. Deutsche Bank accounts for around ~ ATMs installed in Germany commanding ~% share of the total market. This bank operates in over 70 countries.

For more information kindly visit :
Europe ATM Industry Outlook to 2015

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Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Fax: + 91 22 27812290
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: http://twitter.com/#!/Sandhya3B
Our Blogs: http://twitter.com/#!/bharatbook
http://financemarketreports.blogspot.com/

Asia Pacific ATM Industry Outlook to 2015

The report titled “Asia Pacific ATM Market Outlook to 2015” provides a comprehensive analysis on the total number of ATM terminals installed, total number of ATM cards issued, total number of ATM cash withdrawal transactions, total ATM cash withdrawals, top banks in respective countries in terms of total ATM holdings in that country. The report also discusses major trends and developments in the ATM market, company profile of top hardware and software players, government regulations in respective countries and several alternative payment methods (credit cards, debit cards and POS terminals) across various countries.

The future projections included in the report provide an insight on the prospects in the Asia Pacific and country-wise ATM market. The report covers a detailed coverage on Asia Pacific region encompassing China, India, Australia, Japan and Singapore.

Asia Pacific
Asia Pacific has been the fastest growing region among the other regions in terms of the total number of ATM terminals installed and total ATM cards issued. Despite the rapid growth in the installations of ATMs in Asia–Pacific, the ATM density per capita is still relatively low in several regions, projecting a great scope for further development of the market in the region. The prospects of the ATM market in Asia Pacific are not only bright in terms of ATM numbers, but also the services offered and technology used.

The total number of ATM terminals installed in Asia Pacific has grown over the period at a 5 year CAGR of ~% from ~ thousand ATMS in 2006 to ~ thousand ATMs in 2011. The total number of ATM cards issued in Asia Pacific has increased from ~ million in 2006 to ~ million in 2010 at a CAGR of ~%.

China is the largest country in Asia Pacific in terms of the total number of ATM terminals installed in the region. The market share of China has considerably increased from ~% in 2006 to ~% in 2011. India is the fastest growing ATM market in the Asia Pacific region with total number of ATM terminals installed increasing from 2006 to 2010 at a CAGR of ~%. Australia showcased a decline in market share from ~% in 2006 to ~% in 2011. Japan portrayed significant decline in the market share from ~% in 2006 to ~% in 2011. The market share of Japan is expected to decrease further due to the rapid growth of India and China’s market.

China
The ATM market in China is continuously expanding but has not reached the saturation level as yet. The market is expected to witness persistent growth in the coming years. The ATM network is more concentrated in the major cities and urbanized areas as compared to the smaller towns.

The statistic highlights the huge demand and usage of ATM in China. In terms of market share, foreign companies including NCR, Hitachi, Diebold and Wincor Nixdorf still dominate the ATM market of China, with the combined market share exceeding ~%. However, the market occupancy of home grown brands represented by GRG Banking Equipment, Guangzhou KingTeller Technology and Shenzhen YIHUA has increased rapidly since 2006, and reached around ~% in 2010.

For more information kindly visit :
Asia Pacific ATM Industry Outlook to 2015

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Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Fax: + 91 22 27812290
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: http://twitter.com/#!/Sandhya3B
Our Blogs: http://twitter.com/#!/bharatbook
http://financemarketreports.blogspot.com/

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