TABLE OF CONTENTS
OVERVIEW 1
Catalyst 1
Summary 1
INTRODUCTION 5
Reasons to purchase 5
Definitions 5
RETAIL BANKING TECHNOLOGY SPENDING 11
Overview 11
Technology spend by business functions, 2006–14 14
Technology spend by location, 2006–14 18
TECHNOLOGY SPENDING BY SOURCE 22
Spend by source, 2006–14 22
COMPARATIVE ANALYSIS: ASIA PACIFIC AND INDIAN RETAIL BANKING TECHNOLOGY SPENDING 26
Overall technology spend comparison, 2006–14 26
Major country/market comparison, 2008 28
APPENDIX 30
Forecasting methodology 30
Further reading 31
Disclaimer 31

LIST OF FIGURES
Figure 1: Retail banking industry, India, technology spending ($m), 2006–14 11
Figure 2: Retail banking industry, India, technology spending (growth %), 2006–14 13
Figure 3: Retail banking industry, India, technology spend by business function ($m), 2006–08 14
Figure 4: Retail banking industry, India, technology spend by business function ($m), 2009–14 16
Figure 5: Retail banking industry, India, technology spend by location ($m), 2006–08 18
Figure 6: Retail banking industry, India, technology spending by location ($m), 2009–14 20
Figure 7: Retail banking industry, India, technology spending by source ($m), 2006–08 22
Figure 8: Retail banking industry, India, technology spending by source ($m), 2009–14 24
Figure 9: Retail banking industry, India and Asia pacific, technology spending comparison ($m), 2006–14 26
Figure 10: Retail banking industry, Asia pacific, major markets/countries technology spending ($m), 2008 28
Figure 11: Retail banking industry technology spending, key stages in forecasting 30

LIST OF TABLES
Table 1: Retail banking business functions: definitions 6
Table 2: Retail banking technology sources: definitions 8
Table 3: Retail banking business locations: definitions 10
Table 4: Retail banking industry, India, technology spending ($m), 2006–14 12
Table 5: Retail banking industry, India, technology spend by business function ($m), 2006–08 15
Table 6: Retail banking industry, India, technology spend by business function ($m), 2009–14 17
Table 7: Retail banking industry, India, technology spend by location ($m), 2006–08 19
Table 8: Retail banking industry, India, technology spending by location ($m), 2009–14 21
Table 9: Retail banking industry, India, technology spending by source ($m), 2006–08 23
Table 10: Retail banking industry, India, technology spending by source ($m), 2009–14 25
Table 11: Retail banking industry, India and Asia pacific, technology spending comparison ($m), 2006–08 27
Table 12: Retail banking industry, India and Asia pacific, technology spending comparison ($m), 2009–14 27
Table 13: Retail banking industry, Asia pacific, major markets/countries technology spending ($m and % share), 2008 29