A presentation made for class purpose

1. HDFC BANK

2. DETAILS OF OWNER
DIRECTORS (HDFC BANK)
MRS. SHYAMALA
GOPINATH
• MR.ADITYA PURI
• MR. KEKI MISTRY
• MRS. RENU KARNAD
• MR. PARTHO DATTA
ADITYA PURI NAMED IN LISTOFTOP
30 GLOBALCEO’S
MRS. SHYAMALA
ACHIEVEMENT
• SERVEDAS DEPUTYGOVERNOR
OF
RBIGUIDING &
INFLUENCING
NATIONAL POLICIES

3. HDFC BANK (SUBSIDARY OF HDFC
LTD.)
COMPANY OVERVIEW
HDFC BANK
• HDFC LTD. HOLDSAPPR.
22.8% SHARES OF HDFC
BANK.
HDFC BANK SOURCES HOME
LOANSTO HDFC LTD. FOR FEE
WHOLESALEAND RETAIL
BANKINGANDTREASURY
OPERATIONS
• HDFC BANK MARKETCAP IS
273246.16CROREAS ON OCT 12
2015.
• MARKETCAP OF HDFC LTD. IS
199650.05CRORE RUPEES
• HDFC BANK IS STRONGEST BANK
IN INDIA INASIAN BANKER 500
• BESTCASH MANAGEMENT BANK
IN INDIA
• BEST INTREASURYANDWORKING
CAPITAL –SME’S
ABOVEWERE SOME OFTHE
ACHIEVEMENTSOF HDFC BANK

4. OPERATIONS
PRODUCTS
• ACCOUNTS & DEPOSIT
• LOANS
• CARDS
• DEMAT
• INVESTMENTS
• INSURANCE
• FOREX
• PREMIER BANKING
• PRIVATE BANKING
WAYSTO BANK
• BANKONLINE
• BANKWITHYOUR PHONE
• BANKWITHYOURWATCH
• BANK IN PERSON

5. BANKING NETWORK
BRANCHES
• BIG NETWORKOF
MORETHAN 4014
BRANCHES,
11766ATM’S
NRI BANKING
• DUBAI
• BAHRAIN
• ABUDHABI
• KENYA
• HONGKONG

6. BANKING FACILITIES
• REMIT MONEY FROMANYWHERE
• BANKINGWITHOUTVISITINGTHE BRANCH

7. HDFC BANK HASTWO
SUBSIDARIES
• HDFC FINANCIAL SERVICES
LTD.(HDBFS)
ENGAGED IN RETAILASSET
FINANCING
GIVES LOANSTO INDIVIDUALS,
MICRO,SMALLAND MEDIUM
BUSINESS ENTERPRISE
RUNS COLLECTIONCENTER
HDFC BANK HOLDS 97.4% SHARES
IN HDBFS
• HDFC SECURITIES LTD.
(HSL)
ENGAGED IN STOCK BROKING
HDFC BANK HAS 62.1%
SHAREHOLDING IN HSL
TURNOVERABOVE 2.3 BILLION
RUPEES.
PROFITAFTERTAX OF 668
MILLION RUPEES IN
2012-13

8. VISION OF THE
COMPANY
HDFC Bank's vision is to be "a World Class Indian Bank",
benchmarking ourselves against international standards and best
practices in terms of product offerings, technology, service levels, risk
management and audit & compliance.

9. COREVALUES PHILOSOPHY
HDFC Bank's business philosophy is based on five
COREVALUES
• Customer Focus
• Operational Excellence
• Product Leadership
• People
• Sustainability

10. STRATEGIES OFTHE COMPANY
HDFC BANK
BUSIENSS STRATEGIES
• FOCUSINGON QUALITY & NOTON
QUANTITY
• DELIVERING HIGH QUALITY
CUSTOMERSERVICE
• DEVELOP INNOVATIVE PRODUCTS
AND SERVICETHATATTRACTS
TARGETEDCUSTOMERS
• CONTINUETO DEVELOP
PRODUCTS & SERVICESTHAT
REDUCE BANKCOSTOF FUND
FOCUSON HIGH EARNING
GROWTHWITH LOWVOLATILITY
CUSTOMER RETENTION
STRATEGY
• PROVIDINGONE-STOPWINDOW
FORALL HIS/HER BANKING
REQUIREMENTS BY PROVIDING
FULL RANGEOF FINANCIAL
PRODUCTSAND BANKING
SERVICESTOTARGET MARKET
CUSTOMERS
• HDFC BANKWASTHE FIRST BANK
IN INDIATO LAUNCHAN
INTERNATIONAL DEBITCARD IN
ASSOCIATIONWITHVISA

11. SCENARIO
GOOD MARKETING
OPPORTUNITIES
• GOOD MARKETING
OPPORTUNITIES
• EXPANDINGWORKGLOBALLY
• RECRUTINGGOOD STAFF
• CONSTANTLY INNOVATINGAND
IMPROVINGTHE SERUVICES
• LONGTERM BENEFITOF BANKING
SECTOR
• EVERGROWING BANKING
INDUSTRY
• COVERINGVILLAGESAND LESS
INCOMEGROUP PEOPLE
• CONSTANTLY IMPROVING
PERFORMANCETO MATCHTHE
CUSTOMERAND ECONOMY
DEMAND

12. MR. PARESH SUKTANKAR, DEPUTY
MANAGING DIRECTOR, HDFC BANK
RECEIVEDTHE D & B CORPORATE
AWARD IN 2014.

13. Shareholders (as of 30-September-
2013)Shareholding[27]
Promoter Group (HDFC) 22.72%
Foreign Institutional Investors (FII) 33.61%
Individual shareholders 08.43%
Bodies Corporate 08.01%
Insurance companies 05.38%
Mutual Funds/UTI 04.34%
NRI/OCB/Others 00.40%
Financial Institutions/Banks 00.09%
ADS/GDRs 17.02%
Total 100.0%
SHARE HOLDING DATA

14. SCENARIO OFTHE BANK IN
NEAR FUTURE
• WITHTECHNOLOGYAND
INNOVATIONS HDFC BANKTENDS
TO BETHE BESTALTERNATIVE FOR
BANKING. HDFC HAS LATEST
DESIGNED PRODUCTSANDCAN
RULETHE INDIAN MARKET IN
NEAR FUTURE

15. The bank, which had 68,165 employees at
the end of March, aims to re-hire as many
as 3,000 former employees over the next
12-18 months.
HDFC STAFF

16. SWOT ANALYSIS (STRENGTHS)
• HDFC bank has the high degree of
customer satisfaction when
compared to other private banks
• The attrition rate in HDFC is low and
it is one of the best places to work in
private banking sector
• HDFC has lots of awards and
recognition, it has received ‘Best
Bank’ award from various financial
rating institutions like Dun and
Bradstreet, Financial express,
Euromoney awards for excellence,
FinanceAsia country awards etc
• HDFC has good financial advisors in
terms of guiding customers towards
right investments
• HDFC bank is the second largest
private banking sector in India
having 2,201 branches and 7,110
ATM’s
• HDFC bank is located in 1,174 cities
in India and has more than 800
locations to serve customers through
Telephone banking
• The bank’sATM card is compatible
with all domestic and international
Visa/Master card,Visa Electron/
Maestro, Plus/cirus and American
Express.This is one reason for HDFC
cards to be the most preferred card
for shopping and online transactions

17. SWOT ANALYSIS (CONTD.)
WEAKNESS
• DOESN’T HAVE STRONG
RESPONSE IN RURALAREAS.
• HDFC lacks in aggressive marketing
strategies like ICICI
• The bank focuses mostly on high end
clients
• The share prices of HDFC are often
fluctuating causing uncertainty for
the investors
OPPURTUNITIES
• HDFC bank has better asset quality
parameters over government banks,
hence the profit growth is likely to
increase
• The companies in large and SME are
growing at very fast pace. HDFC has
good reputation in terms of maintaining
corporate salary accounts
• HDFC bank has improved it’s bad debts
portfolio and the recovery of bad debts
are high when compared to government
banks
• HDFC has very good opportunities in
abroad
• Greater scope for acquisitions and
strategic alliances due to strong financial
position

18. SWOT ANALYSIS (THREATS)
•HDFC’s nonperforming assets (NPA) increased from
0.18 % to 0.20%.Though it is a slight variation it’s not a
good sign for the financial health of the bank
•The non banking financial companies and new age
banks are increasing in India
•The HDFC is not able to expand its market share as ICICI
imposes major threat
•The government banks are trying to modernize to
compete with private banks
•RBI has opened up to 74% for foreign banks to invest in
Indian market

19. FINANCIAL DETAILS
• Schedules to the Financial Statements
• As at March 31, 2015
• ` in ‘000
• As at As at
• 31-Mar-15 31-Mar-14
• SCHEDULE 1 - CAPITAL
• Authorised capital
• 2,75,00,00,000 (31 March, 2014 : 2,75,00,00,000) Equity Shares of ` 2/-
each 5,500,000 5,500,000
• Issued, subscribed and paid-up capital
• 2,50,64,95,317 (31 March, 2014 : 2,39,90,50,435) Equity Shares of ` 2/-
each 5,012,991 4,798,101

20. FINANCIAL DETAILS
CONTINUED
• SCHEDULE 2 - RESERVES AND SURPLUS
• I Statutory reserve
• Opening balance 91,104,424 69,908,483
• Additions during the year 25,539,798 21,195,941
• Total 116,644,222 91,104,424
• II General reserve
• Opening balance 34,607,377 26,129,001
• Additions during the year 10,215,919 8,478,376
• Total 44,823,296 34,607,377
• III Balance in profit and loss account 186,277,944 146,541,532
• IV Share premium account
• Opening balance 142,564,095 135,148,961
• Additions during the year 108,477,413 7,415,134
• Deductions during the year [Refer Schedule 18 (1)] (1,510,276) -
• Total 249,531,232 142,564,095

21. ACCOUNTING POLICIES
• THE FINANCIAL STATEMENTS HAVE BEEN PREPAREDAND
PRESENTED UNDERTHE HISTORICALCOST CONVENTIONAND
ACCRUAL BASIS OF ACCOUNTING. UNLESSOTHERWISE STATED
ANDARE INACCORDANCEWITHTHE GENERALLYACCEPTED
ACCOUNTING PRINCIPLES IN INDIA, STATUTORY
REEQUIREMENTS PRESCRIBED IN BANKING REGULATIONACT
1949, CIRCULARSAND GUIDELINES ISSUED BY RBI FROMTIME
TOTIME,ACCOUNTING STANDARD SPECIFIED IN COMPANIES
ACT AND CURRENT PRACTICES PREVAILINGWITHINTHE
BANKING INDUSTRY PREVAILING IN INDIA.

22. PROFIT & LOSS ACCOUNT (IN
CR.)
INCOME AMT.RS.PS. EXPENSES AMT.RS.PS.
INTEREST EARNED
OTHER INCOME
48469.90
8996.35
INTEREST EXPENDED
EMPLOYEE COST
SELLING, MISC. & ADM. EXP.
DEPRECIATION
OPERATING EXPENSE
PROVISION &
CONTINGENCIES
NET PROFIT
26704.24
4750.96
15768.85
656.30
13987.85
7188.56
14654.15
TOTAL INCOME 57466.25 TOTAL EXPENSE 57466.25

23. BALANCESHEET (RS. IN CRORE)
LIABILITIES AMT.RS.PS. ASSETS AMT.RS.PS.
TOTAL SHARE CAPITAL
EQUITY SHARE CAPITAL
SHARE APPLICATION MONEY
PREFRENCE SHARE CAPITAL
RESERVES
NETWORTH
DEPSOITS
BORROWINGS
TOTAL DEBT
OTHER LIABILITIY &
PROVISION
501.30
501.30
0.00
0.00
61508.12
62009.42
450795.64
45213.56
496009.20
32484.46
CASH & BALANCESWITH RBI
BALANCESWITH BANK
ADVANCES
INVESTMENTS
GROSS BLOCK
REVALUATION RESERVES
ACCUMLATED DEPRECIATI.
NET BLOCK
CAPITALWORK IN PROGRE
OTHER ASSETS
27510.45
8821.00
365495.03
166459.95
3121.73
0.00
0.00
3121.73
0.00
19094.91
TOTAL LIABILITIES 590503.80 TOTALASSETS 590503.07

24. PRESENTED BY KETAN SHAH
THANKYOU
FOR
VALUABLE
TIME