The Banking industry comes under Financial group. It’s a commodity type industry.

Industry Strengths

Strong demand for banking services including fee based services
Rapid growth in infrastructure to make banking services available through increase in number of branches in semi-urban and rural areas
Implementation of technology like electronic funds transfer to make banking speedier and convenient across cities and countries
Implementation of technologies like mobile banking, internet banking which makes banking simpler and bring down man-power costs

Industry Weakness

High Non-performing Assets (NPA), especially in public sector banks (PSB) due to huge loans to troubled sectors like power, infrastructure etc,
Impact by high RBI policy rates
Impacted by high deposit and savings account interest rates
Impacted by populist measures like waving of loans to farmers and forcing the PSB to lend without adequate security.

Growth Drivers

Strong demand for financial services like housing loans, infrastructure loans, credit cards, mutual funds and insurance business.
Increasing availability of banking in rural areas.
Awareness of the advantages of using banking services.
Rapid urbanization and industrialization leading to demand from small and medium businesses.

IndusInd Bank is engaged in banking and para-banking services. Currently bank caters to the needs of both consumer and corporate customers. It has a robust technology platform supporting multi-channel delivery capabilities. IndusInd Bank has 1250 branches, and 2146 ATMs spread across geographic locations of the country.

The Bank is engaged in granting loans to various segments, such as industries and businesses, and retail loans; financing a range of vehicles or equipment to individuals, and priority sector lending.

Segments and Products

The Bank's segments include

1.Treasury,
2.Corporate/Wholesale Banking,
3.Retail Banking and Other Banking Operations.

The Treasury segment includes investment portfolios, profit or loss on sale of investments, profit or loss on foreign exchange transactions, equities, income from derivatives and money market operations.

The Corporate/Wholesale Banking segment includes lending to and deposits from corporate customers.

The Retail Banking segment includes lending to and deposits from retail customers.