The document discusses the history and development of banking in India. It provides information about several major banks including HDFC Bank, Axis Bank, and ICICI Bank. Some key points discussed include: 1) HDFC Bank was founded in 1977 and incorporated in 1994, becoming one of India's largest private sector banks with over 5,000 branches across the country. 2) Axis Bank is the third largest private sector bank in India with over 1,000 branches and the largest ATM network. 3) ICICI Bank is the second largest bank overall in India and provides a wide range of banking products and services both within India and internationally through its subsidiaries.

1. Hdfc bank(Sar utha k jiyo)
Presented by: Shanta Mishra
Btech-MBA

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.  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.  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.  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.  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.  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. 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. 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.  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. 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

13.  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

14.  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).

15.  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

16.  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

17.  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

18. Thank you…