HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. It is currently the fifth or sixth largest bank in India by assets and the first largest bank by market capitalization. The bank has grown consistently over the years and now has over 2,700 branches across India. As of December 2012, HDFC Bank's balance sheet size was Rs. 3,837 billion, with a net profit of Rs. 516.7 billion for the fiscal year 2011-2012, up 31.6% from the previous year.
Summer internship report submitted to State Bank of India on the topic - โYo...Deepanjan Das
ย
A Summer internship report submitted to State Bank of India on the topic - โYouth and SBI - Connected or Disconnectedโ.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
Summer internship report submitted to State Bank of India on the topic - โYo...Deepanjan Das
ย
A Summer internship report submitted to State Bank of India on the topic - โYouth and SBI - Connected or Disconnectedโ.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
For the past three decades Indiaโs 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 Indiaโs growth process.
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:
๏ผ Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
๏ผ 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.
๏ผ Major factors contributing the success of HDFC.
๏ผ Industrial analysis of HDFC through Porterโs five forces model as well as comparing that with its competitor ICICI.
๏ผ 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.
A comparative study of retail banking strategies adopted by various private s...Projects Kart
ย
A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
For the past three decades Indiaโs 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 Indiaโs growth process.
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:
๏ผ Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
๏ผ 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.
๏ผ Major factors contributing the success of HDFC.
๏ผ Industrial analysis of HDFC through Porterโs five forces model as well as comparing that with its competitor ICICI.
๏ผ 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.
A comparative study of retail banking strategies adopted by various private s...Projects Kart
ย
A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
What is job costing? What are its main characteristics?
Characteristics
Features
procedure involve in job order costing.
Applicability
What is BEP? List out the assumption of breakeven analysis
Assumption of BEP analysis
What is Profit Volume (P/V) Ratio
What is CVP analysis? How does it help the management?
What is process costing? What are its main characteristics? Name the industries where process costing can be applied.
Normal Loss
Abnormal Loss
Abnormal Gain
Job Costing & Process Costing
Accounting for losses in process costing
What do you mean by operating costing? Draw a specimen cost sheet for transport costing.
INDUSTRY AND CORRESPONDING COST UNIT
RECONCILIATION STATEMENT
INFORMATION ABOUT
B.E.P.
Definition
Cost Volume Profit analysis & Application
Assumption of BEP analysis
Calculation
Method
Formula
Target profit
Margin of safety
Definition
Formula
Limitation of B.E.P.
Basic equation of Marginal Costing
Uses Of CVP Analysis
Limitations Of CVP Analysis
Profit Volume (P/V) Ratio
Marginal costing
Determination Of Marginal Cost
Features of Marginal Costing
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
ย
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Memorandum Of Association Constitution of Company.pptseri bangash
ย
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
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
ย
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.
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.
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/
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 companyโs 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, weโll 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
ย
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.
Improving profitability for small businessBen Wann
ย
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.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
ย
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Accpac to QuickBooks Conversion Navigating the Transition with Online Account...PaulBryant58
ย
This article provides a comprehensive guide on how to
effectively manage the convert Accpac to QuickBooks , with a particular focus on utilizing online accounting services to streamline the process.
"๐ฉ๐ฌ๐ฎ๐ผ๐ต ๐พ๐ฐ๐ป๐ฏ ๐ป๐ฑ ๐ฐ๐บ ๐ฏ๐จ๐ณ๐ญ ๐ซ๐ถ๐ต๐ฌ"
๐๐ ๐๐จ๐ฆ๐ฌ (๐๐ ๐๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐๐๐ญ๐ข๐จ๐ง๐ฌ) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
๐๐ ๐๐จ๐ฆ๐ฌ provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
โญ ๐ ๐๐๐ญ๐ฎ๐ซ๐๐ ๐ฉ๐ซ๐จ๐ฃ๐๐๐ญ๐ฌ:
โข 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
โข SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
โขFreenBecky 1st Fan Meeting in Vietnam
โขCHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
โข WOW K-Music Festival 2023
โข Winner [CROSS] Tour in HCM
โข Super Show 9 in HCM with Super Junior
โข HCMC - Gyeongsangbuk-do Culture and Tourism Festival
โข Korean Vietnam Partnership - Fair with LG
โข Korean President visits Samsung Electronics R&D Center
โข Vietnam Food Expo with Lotte Wellfood
"๐๐ฏ๐๐ซ๐ฒ ๐๐ฏ๐๐ง๐ญ ๐ข๐ฌ ๐ ๐ฌ๐ญ๐จ๐ซ๐ฒ, ๐ ๐ฌ๐ฉ๐๐๐ข๐๐ฅ ๐ฃ๐จ๐ฎ๐ซ๐ง๐๐ฒ. ๐๐ ๐๐ฅ๐ฐ๐๐ฒ๐ฌ ๐๐๐ฅ๐ข๐๐ฏ๐ ๐ญ๐ก๐๐ญ ๐ฌ๐ก๐จ๐ซ๐ญ๐ฅ๐ฒ ๐ฒ๐จ๐ฎ ๐ฐ๐ข๐ฅ๐ฅ ๐๐ ๐ ๐ฉ๐๐ซ๐ญ ๐จ๐ ๐จ๐ฎ๐ซ ๐ฌ๐ญ๐จ๐ซ๐ข๐๐ฌ."
4. ๏
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 the
RBI's liberalization of the Indian Banking Industry in 1994.
๏
The bank was incorporated in August 1994 in the name of 'HDFC
Bank Limited', with its registered office in Mumbai, India. HDFC Bank
commenced operations as a Scheduled Commercial Bank in January 1995.
๏
HDFC Bank is the fifth or sixth largest bank in India by assets and the
first largest bank by market capitalization as of November 1, 2012.
๏
The bank was promoted by the Housing Development Finance
Corporation, a premier housing finance company of India. Maximized As
on December 2012, HDFC Bank has 2,776 branches and 10,490 ATMs, in
1,399 cities in India, and all branches of the bank are linked on an online
real-time basis.
๏
As of December 2012 the bank had balance sheet size of Rs. 3837
billion. For the fiscal year 2011-12, the bank has reported net profit of
5167.07 cr (US$950 million), up 31.6% from the previous fiscal.
4
6. HDFC Bank commenced operations as Scheduled Commercial Bank in
January 1995.
If ever there was a man with a mission it was Hasmukhbhai Parekh,
Founder and Chairman-Emeritus, of HDFC Group.
HDFC BANK LTD was amongst the first to set up a bank in the private
sector. The bank was incorporated on 30th August 1994 in the name of โHDFC
Bank Limitedโ, with its registered office in Mumbai. It commenced operations as a
Scheduled Commercial Bank on 16th January 1995. The bank has grown
consistently and is now amongst the leading players in the industry.
HDFC is India's premier housing finance company and enjoys an
impeccable track record in India as well as in international markets. Since its
inception in 1977, the Corporation has maintained a consistent and healthy growth
in its operations to remain the market leader in mortgages. Its outstanding loan
portfolio covers well over a million dwelling units.
HDFC has developed significant expertise in retail mortgage loans to
different market segments and also has a large corporate client base for its housing
related credit facilities. With its experience in the financial markets, a strong
market reputation, large shareholder base and unique consumer franchise, HDFC
was ideally positioned to promote a bank in the Indian environment In a milestone
transaction in the Indian banking industry, Times Bank was merged with HDFC
Bank Ltd., effective February 26, 2000
6
11. Introduction to Branch
๏
Location: Savar Kundla
Savar Kundla is a city and a municipality in Amreli district, Gujarat, India.
It is a twin city that formed when the cities of Savar and Kundla merged.
Savar Kundla is also the name of a taluka in Amreli district. There are 84
villages in this taluka, including Gadhakda, Ramgadh, Vijpadi, Vanda,Juna
Savar, Bhuva, Badhada, Vijyanagar, Likhala, Mota Zinzuda, Nana Zinzuda,
Vadal, Khadsali, Nesadi, Kanatalav, Oliya, Charkhadiya, Gordka, Bhokarva,
Bhenkara, Navagam, Luvara, Dhajdi, Jikiyali, and others.
SavarKundla is a sleepy town of Amreli district.The town is divided on two
sides by Savar river which is not flowing for the last 20 years.The water is
soil,however,is very rich with iron content and it is very reflected in the hard
working nature of people dwelling there,according to Shyamubhai Parikh of
Sanskar Mandir trust.In fact Savarkundla has a name for its khadi related
Gandhi activities and Shyamu-bhai has inherited his traits from his father
and also a father figure of savarkundla late Lallubhai Sheth.
๏
Establishment:
o 20/8/09 HDFC was established in Savar kundla with 8 employees
11
12. Branch
Infrastructure
Branch is focalized with 21st century infrastructure and latest technology in
the banking sector. It is centralized with air condition and networked with the main
server and the records are maintained very securely but software and the security
structure are to be remained as confidential.
Even some things remaining confidential there are some security measures
common in every branch infrastructure of HDFC BANK.
Every branch is secured with cameras and total security and connected to
their own server plus advanced security softwareโs which will report to the police
and server in 04 seconds if the security is being compromised or it senses the
breach in security for this some special gadgets are installed in branch premises.
12
14. Features and Benefits
Free local collections through cheque and Fund transfer
Free Local and anywhere cheque payment facility
Convenient Inter-city Banking
Features and Benefits
Access your account across a wide network of branches and ATMs
Avail of convenient services like Net Banking and Mobile Banking
14
15. Safe Deposit Locker
What are the Features?
Wide availability of locker locations and sizes
Access to safe-deposit lockers at all branches, no matter where
your account is held.
Lockers are rented for one year, and rent is payable in advance.
Features:
Zero Balance Savings account
Free payable at par cheque book
Free InstaAlert and BillPay facility
15
16. CARDS
Debit cards
Chip technology integrated card
Rs 1 cash back (upto Rs.
750/month) for every Rs 100 spent
Enjoy lifestyle, dining and events
privileges
Rs 1 cash back (upto Rs. 750/month) for
every Rs 100 spent
16
17. Credit cards
1 Base Fare Waived JetAirways Ticket and upto 10,000
JPMiles
3X JPMIles for Ticket Booking on www.jetairways.com &
www.jetkonnect.com
17
18. LOANS
Home loan
Why choose this product?
1 Flexible repayment options
2 Added security with Loan Cover Term Assurance Plan (LCTAP)
3 Automated Repayment of Home Loan EMIs
4 In-house scrutiny of property documents
Car loan
Why chose these product?
Covers the widest range of cars and multi-utility vehicles in India
Borrow up to 3 - 6 times your annual income
18
19. Personal loan
Super fast application processing and disbursal
Service at your doorstep
No guarantor/security/collateral required
19
21. Life Insurance
Secure your familyโs future in quick, easy steps
Get a life cover online upto 10 crore at nominal cost
Enjoy tax benefits on premium upto 1 lakh
Home Insurance
HDFC Home insurance
Protection of all your property and its contents priceless possessions and
property in a single policy.
Minimum documentation is required for this policy.
21
23. ๏ HDFC being the Indiaโs leading bank adopts different ways of marketing
with respect to the costumers they want to reach for a specific product some
of the ways of marketing are as follows.
๏ Most of the marketing is done through the T.V. commercials on the national
Television though there are many other ways of marketing at local level or
at the regional level.
23
24. Print Ads: Print ads are the most relevant source of marketing since a
long time the bank can reach numerous people by this way of marketing.
Print ads are costly way of advertising but it surely contributes in
catching the attraction of the costumer
24
25. Paint ads:
Paint ads are the new innovative concept that is well developing in the India.
As it involves two parties over the one who has the holdings or acquisition to the
shop, huts, and wall boundaries and second comes the advertiser .the simple funda of
these is that the person will get his house painted for free plus some monetary
amounts and in exchange advertiser will make himself reach to even rural areas by
painting the huts or small shops on the roadways
25
26. Direction Board:
Direction boards on the various area or to be precise on the famous areas of
the cities are kept to guide the people to their destinations and create a good image
in the e mind of people with fullfillment of their scocial rasponsiblities.it is the
cheap and scocialy benifitable idea of marketing.
26
27. Board hoardings:
Board hoardings on its own branch is the simple idea which relates to the
advertisements of the new product on its own acquired land to target the regular
customers and promoting the required product and its services it makes new
customers and also creates the proper utilization of the land acquired by the
bank.
27
28. Advertisements in local Cable and Newspaper:
Branch in order to notify the customers gives the ads in the local T.V. cables to
make sure the targeted customers are well aware of the productโs existence and
benefits for them moreover the emphasize is laid on to promotion of product at time of
marketing savar kundla has its local newspaper โprakashโ published daily for
Advertisement it is well reached way of promotion for the branch to reach to local
audience.
28
30. ๏ Human resource is the most basic need for any organization to survive or
even to make its presence felt moreover the working of the organizations is
not possible without the personnel.
๏ Branch has 11 employees as per the need of its working and day to day need
of its execution.
๏ The company makes most of the recruitment by the campus selection it also
makes the procedure of the regular recruitment with a view of hiring
experienced employee.
๏ HDFC has a innovative plan for the recruitment of the employees i.e. โkaro
shifharishโ in which branchโs present employees are making a suggestion to
management for getting their near relatives, friends, neighbors appointed as
a employee of the bank.
๏ The Recruitment Selection and Placement is done by the Companyโs Human
Resource Department they select the people for jobs the selection of an
employee is done through the following process:
30
32. Written Exam:
It is the basic and foremost eligibility that a person needs to have that is to
pass the written exam with the required criteria. Criteria itself differs according to
the designation.
Group Discussion:
The group discussion examines individualโs inter personal skills and
confidence knowledge attitude decency and vocabulary these examines weather the
candidate has the enough general knowledge and the ability to explain that as well
or not the individualโs soft skills are tested here and based on that the further
selection is done.
Personal Interview:
After the one clears group discussion he is interviewed by the officials and the
practicality is observed in him clearing the academics and soft skill tests individualsโ vision
grasping power of an individual and personality is examined and put to test here.clearin it the
individual becomes a employee of the HDFC BANK.
Training:
Individual on the base of the academics can be eligible for being a employee
but not a banker. For the perfection in the execution of the work delegated to him
and his authorities are unknown to him so it is necessary for him to be trained in
the business environment and hence training is given to each candidate who have
been selected. Perhaps, these is the reason the uniformity decency and perfection is
observed in the employees.
32
34. ๏ HDFC Bank has total 94,695 employees and has adopted different hexarchy
networks in different branches and has been successful in developing itself.
And becoming no1 financial institute.
๏ The number of our employees increased from 37,836 as of March 31, 2008 to
52,687 as of March 31, 2009. The growth in the employee base was in line
with the growth in the bankโs businesses and distribution both. Most of
employees are located in India
๏ The strong reason behind it I its effective training and job satisfaction of their
employees there are many policies for the employees.
๏ HDFC have 2.5% car loan scheme for the employees. In which employee gets
a chance to raise the standard of living and also the social status.
๏ HDFC has separate bank accounts with more benefits specially designed for
their.
๏ Regular bonus is paid to the employees for the extra work done by them.
๏ Moreover decentralized structure of the working where the employee is
appreciated for a good opinions and innovations.
34
36. ๏
As on 30th June, 2010 the authorized share capital of the Bank is Rs. 550
corer. The paid-up capital as on said date is Rs. 459,69,07,030/- (45,96,90,703
equity shares of Rs. 10/- each).
๏
The HDFC Group holds 23.63 % of the Bank's equity and about 17.05 % of
the equity is held by the ADS Depository (in respect of the bank's American
Depository Shares (ADS) Issue). 27.45% of the equity is held by Foreign
Institutional Investors (FIIs) and the Bank has about 4, 33,078 shareholders.
Capital
Revenue
US$ 6.487 billion (2012)
Operating income
US$ 1.451 billion (2012)
Profit
US$ 978.3 million (2012)
Total assets
US$ 70.17 billion (2012)
Total equity
US$ 7.793 billion (2012)
36
37. Some Financial Rates
Bank Rate
8.50%
Repo Rate
7.50%
Reverse Repo Rate
6.50%
CRR
4.21%
SLR
24.83%
37
40. Strengths:
๏ 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 โBest Bankโ award
from various financial rating institutions like Dun and Bradstreet, Financial
express, Euro money awards for excellence, Finance Asia country awards
etc
๏ HDFC has good financial advisors in terms of guiding customers towards
right investments
Weakness:
๏ HDFC bank doesnโt have strong presence in Rural areas, where as ICICI
bank its direct competitor is expanding in rural market
๏ HDFC cannot enjoy first mover advantage in rural areas. Rural people are
hard core loyal in terms of banking services.
๏ HDFC lacks in aggressive marketing strategies like ICICI
๏ The bank focuses mostly on high end clients
๏ Some of the bankโs product categories lack in performance and doesnโt have
reach in the market
๏ The share prices of HDFC are often fluctuating causing uncertainty for the
investors
40
41. Opportunities:
๏ 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 itโs 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
Threats:
๏ HDFCโs nonperforming assets (NPA) increased from 0.18 % to 0.20%.
Though it is a slight variation itโs 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
41
43. ๏ HDFC BANK first and most successful private financial institute as it high
level of ethical and professional and commitment towards enhancing investorโs
interest.
๏ HDFC stands on its mission & vision statements not on the papers but in the
activities and practices
๏ One of the core reason behind its tremendous success is that It has the highly
motivated work force and is loyal to the company and its status
๏ HDFC BANK has variety of products and services that is set up for the
maximum development of the costumers.
๏ Online banking services and detailed information to the products are listed over
its site and very advanced technology is adopted in every branch.
43