comparison of Banking systems

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comparison of Banking systems

  1. 1. Hdfc bank(Sar utha k jiyo) Presented by: Shanta Mishra Btech-MBA
  2. 2. History • The General Bank of India was set up in the year 1786. • 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.
  3. 3.  81 scheduled commercial banks  28(19 nationalized banks , 8 SBI group banks, 1 IDBI bank)  29 foreign banks  24 private banks , combined networks of over 53000 branches,17000 ATM’s  The public sector holds over 75% of total assets of banking industry, with private and foreign banks holds 18% & 7% respectively  Sources(www.IBEF.ORG)
  4. 4.  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 vehicles  Net Revenue:24628.38Cr  Net Income:4017.69Cr  Employees:60000  2620 branches,6520 ATM’s, covering 996 cities all branches covered with OLRT,16 branches in middle east,6 in Africa
  5. 5.  It has been started its operations in 1994,promted by unit trust of India  Branches-1042  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
  6. 6.  ICICI is the 2nd largest bank in India  Total Assets-4062.34B rupees  PAT(Profit After Tax):51.51B rupees  Branches-2897,ATM’s-10021,Subsidary-19countiries  Head Quarter-Mumbai  Products provide:Personal banking,wealth management,NRI banking, Online services
  7. 7.  Adopting NETSAFE policy  Using MID strategy for customer information  Special plan for women's(HDFC life smart women's plan)  ONEVIEW system for viewing more then one bank account at a time  RTGS system for fast transfer of money
  8. 8. Particulars HDFC BANK AXIS BANK ICICI BANK National branches Equity shares 469.36 Cr 413.20 1152.77cr Net interest income 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
  9. 9. Particulars AXIS BANK HDFC BANK ICICI BANK Net profits Rs 4218 Cr Rs 5247 Cr Rs 7643 Cr Current account and savings account(CASA) ratio 42 % 48.4 % 43.5 % Net non performing assets 0.25 % 0.20 % 0.62 % Capital adequacy ratio (CAR) 13.66 % 16.5 % 18.52 % Provision coverage ratio (PCR) 80.91 % 82.4 % 80.4 %
  10. 10.  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
  11. 11. ICICI Assistant manager 195000-582216 Branch manager 319430-1136490 HDFC Assistant manager 180000-500000 Branch manager 485000-1000000 AXIS Assistant manager 269000-420000 Branch manager 600000-1000000
  12. 12.  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
  13. 13.  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).
  14. 14.  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 target customers
  15. 15.  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
  16. 16.  ICICI is focusing on SME under wholesale segment.  It is also focusing on Rural banking under retail segment.  Offering micro-credit through micro financing institutions(MFI’s),micro insurance and micro- investment products.  Financial inclusion through business correspondents, farmers financing and integration of agri-value chain
  17. 17. Thank you…

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