HDFC Bank is one of the largest private sector banks in India, with over 4,000 branches and over 11,000 ATMs. It has two subsidiaries - HDFC Securities and HDFC Financial Services. HDFC Bank is known for its strong customer focus, operational excellence, and product leadership. Some of its major business lines include retail banking, corporate banking, SME banking, and treasury operations. The bank has seen strong growth and aims to continue expanding both within India and globally through strategic initiatives and innovative products.
Banking as “accepting, for the purpose of lending or of investment of deposits of money from the public, repayable on demand or otherwise or withdrawable by cheque, draft order or otherwise.”
Originated in the last decade of the 18th century.
The General Bank of India (start-1786), Hindustan Bank (started-1790).
Formation of RBI in 1934, got nationalized in jan. 1949 under RBI act.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
I am an MBA student and I prepared this for Banking Class to give a brief description about the HDFC bank and also done the SWOT analysis of the bank and provided the wide variety of its products and services. In the end of the presentation i have also done the classification of the branches on the basis of their location like rural, urban, semi urban and mertro cities.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalization of the Indian Banking Industry in 1994.
The presentation analysing Business Strategy, Porter's Five Force Model analysis, SWOT analysis of HDFC.
In August 1994, ‘HDFC Bank’ was incorporated, with its registered office in Mumbai, India.
It commenced operations as a Scheduled Commercial Bank on 5th January 1995 after receiving banking license. The bank also entered into strategic alliance with National Westminster Bank group.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
Banking as “accepting, for the purpose of lending or of investment of deposits of money from the public, repayable on demand or otherwise or withdrawable by cheque, draft order or otherwise.”
Originated in the last decade of the 18th century.
The General Bank of India (start-1786), Hindustan Bank (started-1790).
Formation of RBI in 1934, got nationalized in jan. 1949 under RBI act.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
I am an MBA student and I prepared this for Banking Class to give a brief description about the HDFC bank and also done the SWOT analysis of the bank and provided the wide variety of its products and services. In the end of the presentation i have also done the classification of the branches on the basis of their location like rural, urban, semi urban and mertro cities.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalization of the Indian Banking Industry in 1994.
The presentation analysing Business Strategy, Porter's Five Force Model analysis, SWOT analysis of HDFC.
In August 1994, ‘HDFC Bank’ was incorporated, with its registered office in Mumbai, India.
It commenced operations as a Scheduled Commercial Bank on 5th January 1995 after receiving banking license. The bank also entered into strategic alliance with National Westminster Bank group.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
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Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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As a business owner in Delaware, staying on top of your tax obligations is paramount, especially with the annual deadline for Delaware Franchise Tax looming on March 1. One such obligation is the annual Delaware Franchise Tax, which serves as a crucial requirement for maintaining your company’s legal standing within the state. While the prospect of handling tax matters may seem daunting, rest assured that the process can be straightforward with the right guidance. In this comprehensive guide, we’ll walk you through the steps of filing your Delaware Franchise Tax and provide insights to help you navigate the process effectively.
Taurus Zodiac Sign_ Personality Traits and Sign Dates.pptxmy Pandit
Explore the world of the Taurus zodiac sign. Learn about their stability, determination, and appreciation for beauty. Discover how Taureans' grounded nature and hardworking mindset define their unique personality.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
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Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
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
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