CONSUMER FINANCE

S.KAMAL HAYDER KAZMI,
(feedback@pgeconomist.com)
Research Analyst
, PAGE
July 30 - Aug 5, 2012

DFG WISE BREAK UP OF OUTSTANDING AMOUNT (Rs. Billion)

GROUP DEC-10 SEP-11 DEC-11 CHANGE
AMOUNT SHARE AMOUNT SHARE AMOUNT SHARE QOQ YOY
SMEs 334.0 38.7% 268.2 32.8% 294.3 35.7% 9.7% -11.9%
Agriculture 168.5 19.5% 173.8 21.2% 176.1 21.3% 1.3% 4.5%
Microfinance (MFBs Only) 10.0 1.2% 15.2 1.9% 14.7 1.8% -3.9% 46.7%
Housing Finance 67.0 7.8% 61.2 7.5% 59.4 7.2% -3.0% -11.4%
Infrastructure Finance 284.5 32.9% 300.0 36.7% 281.0 34.0% -6.3% -1.2%
Total 864.0 100.0% 818.4 100.0% 825.4 100.0% 0.9% -4.5%

BANKS & DFIS LOAN TO VALUE RATIO AVERAGE LOAN SIZE (Rs.Million)
MAR-12 DEC-11 SEP-11 JUN-11 MAR-11 MAR-12 DEC-11 SEP-11 JUN-11 MAR-11
Public Sector
Banks
46.7 30.6 35.2 31.7 49.6 2.1 1.4 3 0.8 2.5
Private Banks 33.8 36.5 57.8 44.6 49.4 4.2 3.9 2.7 4.7 4.5
Foreign Banks 47.0 47.1 49.0 63.4 65.5 4.0 1.7 1.9 2.5 2.4
Islamic Banks 43.5 43.6 45.4 39.7 42.2 3.7 1.7 2 1.9 2.1
All Banks 38.1 37.3 48.8 42.6 48.5 3.8 2.4 2.5 3.2 3.5
DFIs - - - - - - - - - -
All Banks & DFIs 38.1 37.3 48.8 42.6 48.5 3.8 2.4 2.5 3.2 3.5
HBFCL 39.8 42.9 38.7 42.8 44.7 2.1 1.3 1.3 1.9 1.2
Total Average 39.0 40.1 43.7 42.7 46.6 3.0 1.8 1.9 2.5 2.3

AGRICULTURAL CREDIT TARGETS AND DISBURSEMENT (Rs. Billion)

BANKS TARGET
2011-12
DISBURSEMENT TARGET
2010-11
DISBURSEMENT
JUL-SEP
2011
OCT-DEC
2011
JUL-DEC
2011
JUL-SEP
2010
OCT-DEC
2010
JUL-DEC
2010
Big Five 141.0 34.9 35.6 70.6 132.4 25.9 29.1 55.0
ZTBL 70.1 5.1 16.0 21.0 81.8 5.3 15.7 21.0
DPBs 54.1 11.2 13.0 24.2 48.9 9.4 13.3 22.7
PPCBL 7.6 1.6 2.3 3.9 6.9 0.9 2.0 2.9
MFBs 12.2 1.4 4.1 5.5 0.0 0.0 0.0 0.0
Total 285.0 54.3 70.9 125.2 270.0 41.5 60.1 101.6

CREDIT/LOANS CLASSIFIED BY BORROWERS (Rs. million)

DESCRIPTION JUN-10 JUN-11 JUNE-12P
Personal 321,478 294,011 285,048
Bank Employees 76,668 76,406 80,300
Consumer Financing 244,810 217,605 204,749
For house building 54,500 47,775 41,646
For transport i.e. purchase of car etc 64,199 50,901 45,077
Credit cards 28,280 24,626 22,934
Consumers durable 211 224 318
Personal loans 94,776 89,650 88,738
Other 2,844 4,428 6,036
Note: Outstanding position at the end of month

SME FINANCING PROFILE

YEAR DEC-04 DEC-05 DEC-06 DEC-07 DEC-08 DEC-09 DEC-10 DEC-11
OUTSTANDING ADVANCES (RS. BILLION)
SME Outstanding 284.0 361.4 408.3 437.4 375.0 348.2 334.0 294.3
Total Industry Outstanding 1,620.4 2,043.0 2,400.8 2,700.9 3,191.8 3,391.0 3,489.7 3,546.4
OUTSTANDING BORROWERS (THOUSANDS)
SME Borrowers 106 161 168 185 215 212 211 168
Total Industry Borrowers 3,398 4,247 4,487 4,781 4,544 4,407 3,909 3,733
NATURE OF FACILITIES (RS. BILLION)
Fixed Investment 23.9 34.1 41.8 60.3 43.9 41.0 36.1 29.5
Working Capital 204.2 267.7 308.4 309.1 288.8 263.2 261.4 235.4
Trade Finance/Other 55.9 59.6 58.1 67.9 42.3 44.0 36.5 29.5
Total 284.0 361.4 408.3 437.4 375.0 348.2 334.0 294.3
NON PERFORMING LOANS (RS. BILLION)
NPLs - SME Sector 30.1 42.1 36.0 41.3 61.5 79.2 96.5 95.5
NPLs -Total 180.4 173.1 159.0 201.3 299.0 425.7 498.2 598.6

MORTGAGE PRODUCT: OUTSTANDING (MARCH 31, 2012) (Rs. Billion)

BANKS CONSTRUCTION OUTRIGHT PURCHASE RENOVATION
Public Sector Banks 2.340 3.783 1.767
Private Banks 7.268 18.735 2.392
Foreign Banks 0.002 0.289 0.018
Islamic Banks 0.684 7.550 0.462
DFI 0.003 0.177 0.036
HBFC L 8.694 2.446 1.906

SNAPSHOT OF MFBS

OUTREACH DEC-10 SEP- 11 DEC-11 GROWTH
(YOY) %
GROWTH
(QOQ)%
Borrowers 631,238 789,013 733,931 16% -7%
Advances (Rs. 000) 9,985,488 15,242,511 14,650,231 47% -4%
NPLs (Rs. 000) 349,502 418,145 313,983 -10% -25%
PAR >30Days in % 3.50% 2.74% 2.14% -39% -22%
Deposits (Rs. 000) 10,338,682 11,372,036 13,927,066 35% 22%
Assets (Rs. 000) 21,437,837 26,794,450 30,263,768 41% 13%
Equity (Rs. 000) 5,775,137 6,458,428 6,745,902 17% 4%

BANKING GROUP WISE POSITION OF EFS (Rs. Billion)

BANKING GROUP DEC-11 SEP-11 DEC-10 CHANGE YOY
Public 14.1 13.0 11.7 20.1%
Private 161.7 136.8 180.5 -10.4%
Islamic 8.6 6.9 6.3 37.2%
Foreign 8.0 6.5 9.8 -17.6%
Total 192.4 163.2 208.3 -7.6%
Note: Export Finance Scheme (EFS)