The document provides an overview of the Indian banking industry including its structure, magnitude, market share, technology adoption, key players from the public sector, private sector and foreign banks. It also highlights opportunities in the rural and retail banking sectors as well as segments like pension funds, insurance, debit/credit cards. HDFC Bank is discussed as a leading private sector bank with a focus on operational excellence, customers, products and people. The merger of Centurion Bank of Punjab with HDFC Bank to create a larger combined entity is also summarized. ICICI Bank is introduced as India's largest private sector bank with a focus on various subsidiaries and maintaining its brand and global presence.

1. INDIAN BANKING INDUSTRY

2. Financial Structure
Commercial Financial institutions
banks
a. All-India financial institutions (AIFIs)
a. Public sector b. State financial corporation’s (SFCs)
b. Private sector c. State industrial development corporations (SIDCs)
c. Foreign banks
d. Cooperative institutions
(i) Urban cooperative
banks Nonbanking
(ii) State cooperative
banks financial Capital market
(iii) Central cooperative companies intermediaries
banks (NBFCs)

4. Magnitude Of BANK

5. Employment in Banks
Bank Group-Wise Distribution of Employees of Schedule Banks

6. Market Share of Bank
Share in Assets of Scheduled Commercial Banks

7. Technology in Banking

8. Key Player in Indian Banking Sector
Public sector banks
• Allahabad Bank • Oriental Bank of Commerce
• Andhra Bank • Punjab & Sindh Bank
• Bank of Baroda • Punjab National Bank
• Bank of India • State Bank of India
• Bank of Maharashtra • State Bank of Bikaner & Jaipur
• Canara Bank • State Bank of Hyderabad
• Central Bank of India • State Bank of Indore
• Corporation Bank • State Bank of Mysore
• Dena Bank • State Bank of Patiala
• IDBI Bank Ltd • State Bank of Travancore
• Indian Bank • UCO Bank
• Indian Overseas bank • Syndicate Bank

9. Private banks
• Axis Bank • Jammu & Kashmir Bank
• Bank of Rajasthan • Karnataka Bank
• Catholic Syrian Bank • Karur Vysya Bank
• City Union Bank • Kotak Mahindra Bank
• Development Credit Bank • Lakshmi Vilas Bank
• Dhanalakshmi Bank • Nainital Bank
• Federal Bank • Ratnakar Bank
• HDFC Bank • SBI Comm& Intl Bank
• ICICI Bank • South Indian Bank
• IndusInd Bank • Tamil Nadu Mercantile
• ING Vysya Bank Bank
• Yes Bank

10. Foreign banks
• The Royal Bank of Scotland • BNP Paribas
• Abu Dhabi Commercial Bank • Calyon Bank
• American Express Banking • Chinatrust Commercial Bank
• Corporation • Citibank
• Antwerp Diamond Bank • DBS Bank
• AB Bank • Deutsche Bank
• Bank International Indonesia • Hongkong & Shanghai
• Bank of America Banking Corpn
• Bank of Bahrain & Kuwait • JP Morgan Chase Bank
• Bank of Ceylon • JSC VTB Bank
• Bank of Nova Scotia • Krung Thai Bank
• Bank of Tokyo Mitsubishi UFJ • Mizuho Corporate Bank
• Barclays Bank • Mashreq Bank

11. Opportunity in Indian Banking Sector
• Pension fund industry in India
grew at a CAGR of 122.44%
from 1999-00 to 2006-07.
• Rural and semi-urban India is
expected to account for
58.33% of the insurance
sector by 2010.
• Debit cards and Credit cards.
• Rural and semi-urban centers
account for 66% of total bank
branches.

12. 12

13. Overview of HDFC Bank
 Housing Development Finance Cooperation Ltd.
 1st – Bank to receive an “in principle approval” from
RBI.
 Incorporated in August 1994,in the name of
“HDFC Bank Ltd.”
 1st – Registered Office in Mumbai
 HDFC Bank commenced operations as a Scheduled
Commercial Bank in January 1995.
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14. Business Focus
MISSION :
“World Class Indian Bank”.
OBJECTIVE :
Maintain Ethical Standards, Professional
Integrity &Cooperate Governance.
Business Philosophy : Based on 4 Core Values -
a) Operational Excellence
b) Customer Focus
c) Product Leadership
d) People
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15. 15

16. Wide Range of Products
 Loan Products: Depository Products Other Products / Services: -
- Auto Loans - Savings - POS Terminals
• RETAIL
- Loans against Securities - Current - Debit Cards
V - Personal Loans
- Credit Cards
- Fixed Deposits - Depository Accounts
- Mutual Fund Sales
BANKING - 2-Wheeler Loans
- Home Loans
- Insurance Sales
- NRI Services
- Commercial Vehicles Finance
- Bill Payment Services
Commercial Banking: Transactional Banking: Key Segments:
- Working Capital - Cash Management
- Credit Substitutes - Custodial Services - Large corporate
Wholesale - Term Loans
- Bill Collection
- Clearing Bank Services - Supply Chain
- Forex & Derivatives - Correspondent - Emerging Coop
Banking - Wholesale Deposits
- Letters of Credit
Banking
- Tax Collections
- Financial Inst
- Government
- Guarantees - Banker to public issues
Products: Other Functions:
- Foreign Exchange - Asset Liability Management
Treasury - Debt Securities
-- Derivatives
- Statutory Reserve Management
-- Equity
One – Stop Shop to meet Diverse Customer Needs 16

17. 17

18. MERGER OF CBOP WITH
HDFC BANK

19. CBoP = HDFC
 On May 23, 2008, the
amalgamation of Centurion Bank
of Punjab with HDFC Bank was
formally approved by RBI.
 Shareholders of CBoP received 1
share of HDFC Bank for every 29
shares of CBoP, valuing CBoP at INR
95bn.
 The balance sheet size of the
combined entity would be over Rs.
1,63,000 crore.
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21. KEY PERSONS
 CHAIRMAN-
K.V. KAMATH
 M.D. & CEO-
CHANDA KOCHHAR
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22. “Perfection in Power”
VISION
 To be the leading provider of financial services in India & a global player.
MISSION
 We will leverage our people, technology, speed & financial capital to:
1. Be the banker of first choice for our customers by delivering high
quality, world class products & services.
2. Expand the frontiers of our business globally.
3. Maintain high standards of governance & ethics.
4. Create value for our stake holders.
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23. VALUES
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24. HISTORY
 Founded in 1955.
 Incorporated at the initiative of World Bank, GOI & Representatives of
Industry.
 Objective was to provide financial assistance to Business projects.
 Earlier known as “Industrial Credit & Investment Corporation of India”.
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25. OVERVIEW
Offers a wide range of products & financial services.
 ICICI BANK- Second largest bank.
 ICICI PRUDENTIAL- Largest private sector insurance company.
 ICICI LOBARD- Largest private sector general insurance company.
 ICICI SECURITIES- Largest equity house in the country.
 ICICI PRU AMC- Third largest mutual fund.
 ICICI VENTURE- One of the largest private equity firms.
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26.  India’s second largest bank.
 Biggest private sector bank.
 Introduced the concept of DSA & DST.
 Focus on retail banking as a driver for growth.
 Introduced the concept of branding in Indian
Banking Industry.
HQ BANDRA KURLA COMPLEX, MUMBAI
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27. MARKETING STRATEGY
 To make its presence more prominent
 Focus on credit quality
 To create awareness about products through advertisement
 To maintain its brand of a global bank
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28. FUTURE PLANNING & CHALLENGES
 To revive growth after the sub-prime crisis
 To increase its presence across India through mergers.
 To restore customer’s faith
 To maintain its brand & position of its subsidiaries
 To capitalize on its strength i.e. maintain its place globally
 To reduce the operating expenses, NPL &NPA.
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29. LAST 5 YEAR PERFORMANCE
350000 Rs. crore
300000
250000
200000 R&S
150000 Net Assets
Loan Funds
100000
50000
0
2006 2007 2008 2009 2010
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30. LAST 5 YEAR PERFORMANCE
45000
Rs. crore
40000
35000
30000
25000 Income
20000 Expenses
15000 Profit
10000
5000
0
2006 2007 2008 2009 2010
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31. Strengths Weakness
ICICI Bank
Threats Opportunity

32. Conclusion

33. THANK YOU