HDFC is a major Indian financial institution that was founded in 1977. It acts as both a housing finance company and commercial bank. As a housing finance company, HDFC provides loans to individuals for home purchases. It established HDFC Bank in 1994 as one of India's first new generation commercial banks. HDFC Bank has grown significantly and now has a large market share in India. It focuses on high quality customer service and delivering innovative products. HDFC Bank is publicly traded in India and globally. Both HDFC and HDFC Bank have experienced executives and directors guiding their business strategies and operations.

1. THE WORLD OF HDFC
– Raj Raisinghani

2. 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.

3. HISTORY OF BANKING
 The first banks were probably the
religious temples of the ancient world.
 It was probably established sometime
during the third millennium B.C. Banks
probably predated the invention of
money.
 There are extant records of loans from
the 18th century BC in Babylon that
were made by temple priests or monks
to merchants.

4. HDFC
 Housing Development Finance Corporation
 Founded in 1977 by Hasmukh bhai Parakh
 HDFC Bank was incorporated in August 1994
 Among the first in new generation commercial banks
 Registered office in Mumbai, India
 Promoted by HDFC, the parent company
 IPO in India in 1995
 Listed in NSE, BSE, NYSE(ADR)

5. 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.

6. 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

7. Interest Rates HDFC

8. Interest Rates HDFC - contd

9. Interest Rates HDFC Bank

10. Interest Rates HDFC Bank -
contd

11. Interest Rates Comparison
 HDFC Ltd offers a greater return on
the same capital for the same period
as compared to HDFC Bank.
 HDFC Ltd has flexible investing
strategies for funds.
 If we compare a yearly return then
HDFC Ltd stands at 8.90% against
8.35% of HDFC Bank.

12. Board of Directors - HDFC
 Deepak S. Parekh - Chairman
 B. S. Mehta - Independent
 D. M. SukthankarNon - Executive
 V.Srinivasa RanganExecutive -
Director
 Renu Sud Karnad - Managing Director
 Keki. M. Mistry - Vice Chairman &
Chief Executive Officer

13. Board of Directors – HDFC Bank
 Shyamala Gopinath – Chairperson
 Paresh Sukthankar - Deputy
Managing Director
 Aditya Puri - Managing Director
 Kaizad Bharucha - Executive Director
 A N Roy – Director
 Keki Mistry – Director
 Renu Karnad - Director

14. Any Questions?