• The General Bank of India was set up in the
• The East India Company established Bank
of Bengal (1809), Bank of Bombay (1840) and
Bank of Madras (1843) as independent units
and called it Presidency Banks. These three
banks were amalgamated in 1920
•In 1955,these three banks became the
imperial bank of India.
•Reserve Bank of India (RBI) established in
April 1935 with a share capital of Rs 5 Crores.
81 scheduled commercial banks
28(19 nationalized banks , 8 SBI group banks, 1 IDBI
29 foreign banks
24 private banks , combined networks of over 53000
The public sector holds over 75% of total assets of
banking industry, with private and foreign banks holds
18% & 7% respectively
Founded in 1977 by Hamukh bhai prakash
HDFC bank was incorporated in AUG 1994
It holds 1st in new generation commercial banks
HDFC head quarters-HDFC bank Ltd.., Mumbai
Products Provide : Loans, Credit cards, savings, investment
2620 branches,6520 ATM’s, covering 996 cities all branches
covered with OLRT,16 branches in middle east,6 in Africa
It has been started its operations in 1994,promted by
unit trust of India
Third largest private sector bank.
largest ATM network in the India
Total income is 13745.04Cr rupees
Total no of employees-14000
Provide products: Investment banking, Retail banking,
private banking, mortgage banking,corporate banking
ICICI is the 2nd largest bank in India
Total Assets-4062.34B rupees
PAT(Profit After Tax):51.51B rupees
Products provide:Personal banking,wealth
management,NRI banking, Online services
Adopting NETSAFE policy
Using MID strategy for customer information
Special plan for women's(HDFC life smart women's
ONEVIEW system for viewing more then one bank
account at a time
RTGS system for fast transfer of money
Particulars HDFC BANK AXIS BANK ICICI BANK
Equity shares 469.36 Cr 413.20 1152.77cr
27286.35 Cr 21994.62 Cr 33542.65
Market capital 157488.32 59214 135297.07
Stock price 664.50 1384.10 1172.75
Net profit 5167 4242.21 6465.27
Particulars AXIS BANK HDFC BANK ICICI BANK
Net profits Rs 4218 Cr Rs 5247 Cr Rs 7643 Cr
42 % 48.4 % 43.5 %
0.25 % 0.20 % 0.62 %
13.66 % 16.5 % 18.52 %
80.91 % 82.4 % 80.4 %
HDFC has high CASA(Current accounts and saving
accounts ) ratio to find the ways to access the low cost
funds to ramp up its growth.
Quiet lower Net non performing assets value.
HDFC has a good Provision coverage ratio (PCR), to
meet the liabilities, as compared to the AXIS Bank
and ICICI Bank
ICICI Bank's minimum monthly balance
requirement is Rs 10,000 at metro and urban
locations; Rs 5,000 at semi-urban branches; and Rs
2,000 in rural areas.
the minimum monthly balance requirement at metro
and urban areas is Rs 10,000 for Axis Bank and
HDFC Bank. In the case of semi-urban areas, the
minimum balance requirement is Rs 5,000 for the
two banks. In rural areas, the minimum balance
requirement is Rs 5,000 in the case of HDFC Bank
and Rs 2,500 in the case of Axis Bank
These private sector lenders have also tweaked the
penalty charge for non-maintenance of minimum
monthly balance. Charges for HDFC Bank and ICICI
Bank range between Rs 250 and Rs 350; while, those
of Axis Bank are Rs 750 (metro and semi-urban) and
Rs 500 (rural).
Increasing market share in India
Delivering high quality customer services.
Delivering more products to more customers.
Maintaining current high standards for asset quality
through disciplined credit risk management.
Develop innovation products and services that attract
Here the bank selected a number of segmented, each
objectively attractive & appropriate. There may be little
or low synergy among the segment but each segment
proves to be worth full for it.
If we make the examples of cards then Axis bank have
separate set of credit cards, each targeted at different
set of people i.e segment and each one has its own
importance for the bank
ICICI is focusing on SME under wholesale segment.
It is also focusing on Rural banking under retail
Offering micro-credit through micro financing
institutions(MFI’s),micro insurance and micro-
Financial inclusion through business correspondents,
farmers financing and integration of agri-value chain