Banks/Financial Institutions
India
Risk on and risk off. Analysis of off-balance sheet exposures (both public and private
banks) indicates a fairly stable ratio at 1.1-1.2X since FY2009. Private banks (3.3X loans)
dominate as compared to public banks (0.7X loans) despite a lower share in funded
business. Significant off-balance sheet exposure is currently towards infrastructure and
construction verticals, but we expect these ratios to come down as investment activity
in these sectors is slowing down. Risks remain similar to funded exposure though banks
focus on existing clients to mitigate the same.
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link :http://www.kotaksecurities.com/pdf/indiadaily/indiadaily19072012lu.pdf
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