This document provides information about HDFC Bank, including its history, products and services, vision, mission, business strategy, segmentation and targeting approaches, capital structure, SWOT analysis, and key milestones. Some of the main points summarized are:
HDFC Bank was established in 1994 and has grown to become one of the largest private sector banks in India with over 1,700 branches. It offers a range of banking products and services including loans, deposits, investment funds, insurance, and remittances. The bank aims to be customer-driven and market leading through technology-enabled services and growth while maintaining high asset quality. However, it faces threats from competitors and was penalized for violations uncovered in an inquiry called Operation
This presentation have the detailed analysis of the Indian banking sector, how it has evolved and reformes that have come gradually.It also has a classic case of merger of ICICI bank with BOM.
This presentation have the detailed analysis of the Indian banking sector, how it has evolved and reformes that have come gradually.It also has a classic case of merger of ICICI bank with BOM.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
Services Marketing has different service sectors. And Banking is one of them. This is a presentation which includes all the necessary information about a banking service and the extended marketing mix, i.e. 7 P's.
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.
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The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
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• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
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how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
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Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
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USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Latino Buying Power - May 2024 Presentation for Latino Caucus
Hdfc bank ppt
1.
2. GROUP MEMBERS
• Name Roll No.
• Charmi Dharod 6
• George D’souza 8
• Shraddha Gaur 10
• Yash Gupta 11
• Pratik Manjrekar 21
• Dilkhush Parmar 30
• Abhishek Tanna 39
3. BANKING
• A Bank is a financial institution whose primary activity is
to act as a payment agent for customers and to borrow and
lend money.
• Banks are important players in financial markets and offer
financial services such as investment funds.
• In some countries such as GERMANY, banks are the
primary owners of industrial corporations .
• While in other countries such as the UNITED
STATES banks are prohibited from owning non-financial
companies.
4. BANKING IN INDIA
• Banking in India originated in the last decades of the 18th
century.
• The first banks were THE GENERAL BANK OF INDIA,
which started in 1786, and BANK OF HINDUSTAN, both of
which are now defunct.
• The oldest bank in existence in India is the STATE BANK OF
INDIA, which originated in the BANK OF CALCUTTA in
June 1806.
• The first fully Indian owned bank was the ALLAHABAD
BANK, established in 1865
5. MAJOR PLAYERS IN INDIA
• State Bank of India
• HDFC Bank
• ICICI Bank
• HSBC Bank
• IDBI Bank
• City Bank
• Axis Bank
• Punjab National Bank
• ING Vysya Bank
• Union Bank of India
6. INTRODUCTION
• HDFC Bank Limited is an Indian financial
services company based in Mumbai , Maharashtra that
was incorporated in August 1994.
• The first largest bank by Market Capitalization as of
November 1, 2012.
• As on May 2013, HDFC Bank has 3,062 branches and
10,743 ATMs, in 1,568 cities in India.
• It was among the first companies to receive an 'in
principle' approval from the Reserve Bank of India
(RBI) to set up a bank in the private sector.
7. CONTINUE…….
• Times Bank Limited (owned by Bennett, Coleman &
Co./The Times Group) was merged with HDFC Bank Ltd.,
on February 26, 2000. This was the first merger of two
private banks in India.
• On May 23, 2008 HDFC Bank acquired Centurion Bank
of Punjab taking its total branches to more than 1,000.
• HDFC Bank was the first bank in India to launch an
International Debit Card in association with VISA (Visa
Electron) and issues the Master Card Maestro debit card
as well.
8. VISION & MISSION
• Vision
To be customer driven best managed enterprise that enjoys
market leadership in providing housing related finance.
• Mission
To provide a package of attractive financial services for
housing purposes through a competent and motivated team of
employees using the state of the art technology to maintain
financial stability and growth of the organization whilst
contributing to the national goal of providing decent housing
to all.
9. BUSINESS STRATEGY
• Increasing market share in India’s expanding banking.
• Delivering high quality customer service.
• Delivering more products to more customers.
• Maintaining current high standards for asset quality
through disciplined credit risk management.
• Develop innovative products and services that attract
targeted customers and address inefficiencies in the
Indian financial sector.
11. CONTINUE…….
• Travellers Cheques : Travellers Cheques are a safe and
easy way to protect your money when you travel. You can
encash them only when you need to, and only against your
signature, unlike cash which can be stolen and misused by
anybody, immediately.
• Credit Card : Credit Card can be used for all your
requirements, be it shopping, eating out, holidaying, fuelling
up your vehicle, railway ticket reservations - just about any
financial requirement, planned .
• Home loan : Home loans for individual to purchase or
construct houses.
• Personal Loans : The procedure of personal loan is simple,
documentation is minimal and approval is quick.
12. CONTINUE…….
• Foreign Currency Cash : Foreign Currency Cash is a convenient
way of meeting personal expenses along your journey, paying for
taxis / internal travel, food expenses etc.
• Foreign Currency Demand Drafts : Demand Drafts are issued in
seven currencies like United States Dollars (USD), Great Britain
Pounds (GBP), EURO, Japanese Yen (JPY), Australian Dollars
(AUD), Canadian dollars (CAD) and New Zealand Dollars (NZD).
• Foreign Currency Cheque Deposits : We can directly deposit our
foreign currency cheques in to our saving or current account.
• Remittances : HDFC Bank offers the remittance facilities by
which we can send and receive money to anyone. They are
categorized depending on location and the urgency with which we
want the money transferred.
13. CONTINUE…….
• Trade Service : HDFC Bank have people with high level
of expertise and experience in trade services to provide
services to suit specific requirements and structure
solutions for business needs.
• HDFC Bank have 500 branches for trade services.
• Mutual funds : Mutual funds are funds that pool the
money of several investors to invest in equity or debt
markets.
• Insurance : HDFC Bank offers a world of choice in
insurance. Like – children future plans, retirements plans,
standard life, etc.
14. MILESTONES !!!!
• HDFC Bank, the second largest private sector Bank in India
has been named Organisation of the Year at the Skoch
Financial Inclusion Awards 2013
• Bank has been recognised as the Best in the Banking sector by
the ‘Dun & Bradstreet – Bharathi Cement Corporate Awards
2012’.
• Mumbai, September 7, 2012: HDFC Bank, India's second
largest private Bank has featured in the prestigious Forbes
Asia's ‘Fab 50' list of companies.
• Bank has won the NASSCOM CNBC-TV18 IT Innovation
Award for the BEST IT DRIVEN INNOVATION IN
BANKING (COMMERCIAL) in the VERTICAL
category.
15. FUTURE PLANS
• Launch 250 new branches.
• HDFC Bank plans to raise Rs 4,200 crore in capital.
• Relocate branches to un-banked rural Punjab.
• HDFC Bank plans to set up NBFC.
16. SEGMENTATION STRATEGY
• Demographics variables
Location
- Metros & divisional cities
Occupation
- Business person
- Salaried class (both govt. & private)
Age
- Senior citizens
- Minor
• psychographic variables
Lifestyle- People who believes in modern banking with higher set of service
i. e. internet banking (incontact, mobile refill, travel currency card etc.)
17. TARGETING STRATEGY
• Target market
• Corporate banking market : this market target the
industries & fulfill their financial needs.
• Capital market : this segment is targeted on the long
term needs of the individual as well as of industries.
• Retail banking market : this segment is for retail
investors & provide them short term financial credit for
their personal, house hold needs.
18. POSITIONING STRATEGY
• HDFC Bank has positioned itself as a bank which gives higher
standard of services through product innovation for the diverse need of
individual & corporate clients. So they want to highlight following
points in their positioning segment :
-Customer centric
-Service oriented
-Product innovation
19. CAPITAL STRUCTURE
• The authorized capital of HDFC Bank is Rs550 crore
(Rs5.5 billion).
• The paid-up capital is Rs424.6 crore (Rs.4.2 billion).
• The HDFC Group holds 19.4% of the bank's equity
• Roughly 28% of the equity is held by Foreign Institutional
Investors (FIIs) and the bank has about 570,000
shareholders
20. SWOT ANALYSIS OF HDFC
Strengths
• ‡ One of the leading new age private sector bank
• HDFC Bank has over 1700 branches and over 5000 ATMs,
in 780 cities in India,
• Huge employee base i.e more than 51000 employees
• Large collaborations with corporate for employee salary
accounts
24. OPERATION RED SPIDER
• On 14 March 2013 an online magazine
named Cobrapost.com released video footage
from Operation Red Spider showing high
ranking officials and some employees of
HDFC bank willing to turn black money into
white which is violation of Money
Laundering Control Act
• Following this the government of
India and RBI have ordered an inquiry
• The enquiry confirmed violation of KYC
(Know Your Customer) norms by HDFC
Bank. A penalty of Rs 45 million was
imposed on the bank by RBI