Switching costs protect value

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Switching costs protect value

  1. 1. A Study on Binay Kumar
  2. 2. : Introduction  Housing Development Finance Corporation  Founded in 1977 by Hasmukh bhai Parekh  HDFC Bank was incorporated in August 1994  The Bank started operations as a scheduled     commercial bank in January 1995 under the RBI's liberalization policies It is the first in new generation commercial banks Registered office in Mumbai, India Promoted by HDFC, the parent company Listed in NSE, BSE, NYSE etc.
  3. 3. : Network  It has 3062 branches in India  It has 10743 ATMs in the country  It is spread 1568 cities in India  All branches are OLRT connected  Representative offices in Hong Kong, New York, London & Singapore  ‡High level of services  ‡Knowledge of Indian Markets  Brand name
  4. 4. Casa Ratio Trends: 60% 50% 40% 30% 20% 10% 0% HDFC ICICI SBI BOB 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 52% 23% 42% 31% 44% 28% 38% 29% 52% 39% 43% 30% 49% 42% 45% 29% 44% 42% 40% 26%
  5. 5. Cost Of Funds Analysis: 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% HDFC ICICI SBI BOB 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 4.64% 9.30% 6.18% 5.19% 6.24% 10.12% 6.19% 5.17% 4.66% 8.58% 5.97% 4.48% 4.23% 7.47% 5.42% 4.28% 5.58% 8.87% 6.31% 5.02%
  6. 6. Yield On Assets: 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% HDFC ICICI SBI BOB 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 7.60% 7.02% 6.96% 6.63% 8.90% 7.51% 7.03% 6.69% 7.30% 6.16% 6.69% 6.06% 7.21% 5.64% 6.90% 6.15% 9.95% 6.29% 8.04% 6.67%
  7. 7. Retail Loans as a % of Total Loans: 80.00% 70.00% 60.00% 50.00% 40.00% 30.00% 20.00% 10.00% 0.00% HDFC ICICI SBI BOB 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 66.99% 44.25% 31.35% 30.80% 58.64% 36.02% 68.15% 34.73% 54.51% 32.66% 54.47% 26.04% 55.05% 60.29% 53.17% 23.91% 45.06% 60.46% 54.80% 22.56%
  8. 8. NIM Analysis: 5.00% 4.50% 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% HDFC ICICI SBI BOB 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 4.40% 2.22% 3.07% 2.90% 4.20% 2.40% 2.93% 2.91% 4.30% 2.50% 2.93% 2.74% 4.30% 2.60% 3.32% 3.12% 4.20% 2.73% 3.85% 2.97%
  9. 9. NPL Analysis: 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% HDFC ICICI SBI BOB 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 0.47% 1.55% 1.78% 0.31% 0.63% 2.09% 1.79% 0.31% 0.31% 2.12% 1.72% 0.34% 0.19% 1.11% 1.63% 0.35% 0.18% 0.73% 1.82% 0.54%
  10. 10. Net Profit As % Of Total Assets: 2.00% 1.80% 1.60% 1.40% 1.20% 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% HDFC ICICI SBI BOB 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 1.19% 0.86% 0.90% 0.84% 1.23% 0.78% 0.86% 0.96% 1.36% 0.82% 0.83% 1.08% 1.45% 1.18% 0.68% 1.21% 1.86% 1.31% 0.61% 1.15%
  11. 11. Any Questions?
  12. 12. Thank You All…

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