Research By:Eshant Sharma

Online TravelTickets for

air, rail, bus etc.

Online RetailRetail products

sold online

Online DealsDeals purchased

online

Online PortalIncludes car, job,property portals

Online MarketplacePlatform where sellers &

buyers transact online

• Asia-Pacific emerged as the strongest business-to-consumer (B2C) e-commerceregion in the world with sales of around 567.3 billion USD, a growth of 45% over2012, ranking ahead of Europe (482.3 billion USD) and North America (452.4 billionUSD).

• The top three were followed by Latin America, and the Middle East and North Africa.• Globally, B2C e-commerce sales increased by 24% over 2012.• According to Ecommerce Europe, country-wise, the US, UK and China together

account for 57% of the world’s total B2C e-commerce sales, with China having totalsales of 328.4 billion USD.

• India had sales of only 10.7 billion USD, 3.3% of that of China in 2013 with fifthposition in Asia Pacific.

• India’s internet penetration with total e-households at 46 million against China’s 207million is one of the reasons behind India’s poor B2C sales growth.

64

1

27

9

24

3

10

9

10

7

84

CHINA US INDIA JAPAN BRAZIL RUSSIA

INTERNET USERS BY COUNTRY: IN MILLION (2014)

China US India Japan Brazil Russia

46%

87%

19%

86%

53%

59%

INTERNET PENETRATION AS PERCENTAGE OF POPULATION

An analysis of the demographic profile of internet users further testifies thateCommerce will rise rapidly in India in coming years. Around 75% of Indian internetusers are in the age group of 15 to 34 years. This category shops more than theremaining population.

9%

16%

38%

37%

0% 5% 10% 15% 20% 25% 30% 35% 40%

OTHERS

35-44 YEARS OLD

25-34 YEARS OLD

15-24 YEARS OLD

Demographic profile of India online users

99130

16521638

60

92

138

JUN-12 JUN-13 JUN-14 JUNE 2015 (ESTIMATED)

Geographical distribution of internet users in India (million)

Urban Rural

0.4 0.6 1 1.5 2.3 3.563.8

5.37

9.5

12.6

16.4

21.3

2009 2010 2011 2012 2013 2014 2015

INDIA’S ECOMMERCE AND ETAIL GROWTH

etail ecommerce

Etail grown at CAGR of 56 % from

2009-13

Etail market sizeUSD 6 Billion

Apparel, electronics constitute 80% to

distribution

• By 2020, eTail in India is expected to account for 3% of total retail.• Orders are expected to more than double from five million in 2013 to 12 million by 2016,

which will mean more opportunities for both consumers and eTail companies.

91.60%

8% 0.04%

83%

14%

3%

INDEPENDENT RETAIL BRICK & MORTAR RETAIL ETAIL

Share of eTail in Indian retail

2014 2020

4

5

12

2012

2013

2016 (ESTIMATED)

Orders per month (in million)

Company Amount (Million $) Key InvestorsFlipkart 1000 Morgan Stanley, GIC, Tiger Global

Flipkart 700 Tiger Global, Iconiq Capital

Snapdeal 637 PremjiInvest, SoftBank Corp

Flipkart 210 Iconiq Capital, DST Global

Olacabs 210 SoftBank Corp, Steadview

Snapdeal 134 Nexus Ventures, Bessemer, Saama

Snapdeal 100 Temasek, PremjiInvest

Housing.com 90 Nexus Ventures, Qualcomm Ventures

Quikr 90 Warburg Pincus, Norwest

Zomato 60 Warburg Pincus, Norwest, Tiger Global

Myntra 50 Accel India, PremjiInvest

Freecharge.in 33 Sequoia Capital India, Ru-Net Holdings

BigBasket 32.7 Zodius Capital, Lionrock Capital

Amazon.com 30 Catamaran Ventures

Internet Banking

Online Banking services started in New York in 1981 with 4 of the cities major banks

City Bank

Chase Manhattan

Chemical

Manufactures Hanover

These banks offered Home Banking services through Videotext System.

• Internet Banking allows you to conductbanking transactions online , instead offinding a bank and interacting with a teller.

• In a broad sense, it is the use electronicmeans directly to transfer money from oneaccount to another, rather than from chequeor cash

• A system of banking in which customers canview their account details, pay bills andtransfer money by means of the internet.

• Cost Effective

• Transaction Speed

• Efficiency

• Speed Banking

• Vast Coverage

• Security

• Learning Difficulties

• Technical Breakdown

• Increasing Number of fraudulent websites

• Fake emails from banks

54 5138 33

44 46

5350

2 27

14

1 2 4

OLD PRIVATE BANKS PSU NEW PRIVATE BANKS FOREIGN

CHANNEL USAGE BY BANK CATEGORYBranch ATM Internet Banking Call Centres

166

584

1150

2007 2010 2020 (F)

Internet Reach Over Mobile By 2020No. of mobile subscribers (Million)

18.50%

16%

8%

5.80% 5.50%

7%

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

18.00%

20.00%

Commercial Banks RRB Co-operative Banks

Growth in non-urban credit

Amount Outstanding No. of Accounts

13 13

1112 12 12

23 23

21 2120 20

BANK OF BARODA UNION BANK OF INDIA

PUNJAB NATIONAL BANK

BANK OF INDIA CANARA BANK STATE BANK OF INDIA

Productivity Of Public Banks

2007 2014

11511362

1605 16991975

2354

2786

3461

4326

5241

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

Total Assets of Banks

Amazon is the world's largestonline retailer

Selling over forty categories ofgoods, from books to electronicsto groceries to jewellery to autoparts

Amazon was incorporated in1994 in the state of Washingtonby Jeff Bezos, went online in1995, and issued an IPO on May15, 1997.

The company is an ecommerceand Internet technologyplatform, a fulfilment andlogistics platform and even anInternet start-up incubator.

In 2011, netrevenue increased41% to $48.08billion.

Amazon web services face competition from established providers Dell, Microsoft and

Google.

Merchant services are in competition with a host of Internet Payment Service

Providers located across the world

•Accumulated technological expertise in retailing

•Customer management technology

•3rd party selling platform i.e. Amazon marketplace

Focus on publishing industry

Invest in cloud and other third party services

• Boston Consultant GroupIndian Banking 2020

• PricewaterhouseCoopers (pwc),eCommerce in India

• International Journal of Engineering Research and General ScienceVolume 2 Issue 2 Feb-Mar 2014

• Asia Pacific Journal of Marketing & Management ReviewVolume 2 December 2012

• Crisil ResearchFebruary 2014

Thank You