HDFC Bank caters to both wholesale and retail banking. It has three key business segments: 1) Wholesale banking which provides commercial services to large corporations. 2) Treasury which offers foreign exchange, money market, and equity products. 3) Retail banking which offers financial products and services to individual customers. HDFC Bank has seen significant growth in areas such as credit cards, point-of-sale terminals, and digital platforms. It remains the largest and one of the most valuable banks in India.

2. BUSSINESS PROFILE HDFC BANK
Bank caters to a wide range of banking services covering commercial and
investment banking on the wholesale side and transactional /branch banking
on the retail side .
The bank has three key business segments:
1.Wholesale banking The Banks target market is primarily large ,blueclip
manufacturing companies in the indian corporate sector and to a lesser
extent ,small and mid-sized companies and agri-based businesses.For this
customers ,the bank provides a wid range of commercial and transactional
banking services,including working capital finance ,trade
services,transactional services ,cash management etc.Based on its superior
product delivery /service levels and strong customer orientation ,the bank
has made significant inroads into the banking consortia of a number of
leading indian corporates including multinationals ,companies from the
domestic business houses and prime public sector companies.

3. 2.Treasury within this business,the bank has three main product areas
-Foreign exchange and derivatives,local currency money market and
debt securities, and equities.with the liberalisation of the financial
markets in india, corporates need more sophisticated risk management
information,advice and product structures.
3.Retail banking The objective of retail bank is to provide its target
market customers a full range of financial products and banking
services, giving the customer a onestep window for all his/her
banking requirements..

4. HDFC bank was the first bank in india to launch
an international debit card in association with
VISA and issues the mastercard maestro debit
card as well.The bank launched its credit card
business in late 2001. By march 2015,the bank
had a total card base of over 25 million.The bank
is also one of the leading players in the
"merchant acquiring" business with over
235,000 point-of-sale terminals for debit/credit
cards acceptance at merchant establishments.

5. HDFC STATUS
HDFC is much important these days for making money
transaction.HDFC is the one of the top bank that understands the
changing solution and creating a better solution with the suitable
benefits.Business Corporate moneybank credit card system is one
solution that has the unique process for the convenient lifestyle and
business activities. HDFC bank credit card hosts numerous benefits for
saving more money.HDFC bank provides the safe and memorable
moment for handling the money.Applying for the HDFC is the simple
procedure to and it is easier to get the credit card within few days.you
need to know how to check the hdfc credit card application status with
the online procedures,which would give you more advantage and you
can follow the ideas.

6. MARKET GROWTH
CASA Growth: HDFC Bank clear leader, ICICI Bank claws its
way back
We review current account, savings account (CASA) growth
factors/drivers and the market share pattern with updated FY16 numbers.
While the CASA share loss for PSU banks vs. private banks was
expected, we believe it was a material loss in CA market share for
smaller PSUs. On SA, the shift was slower. Overall, HDFCB remains the
clear winner with ICICI clawing back some lost ground in the past two
years and Axis stabilising after a downward normalisation in CASA
growth in FY15. SBI is the only PSU bank which is able to defend its
share, while the share loss is the highest for BOI among covered PSUs.
Market share shift —Private banks gaining gradually in SA, but have
complete dominance in CA deposits now.

8. HDFC Bank
The bank’s CA share has been 20% of the incremental system CA over
FY12-16 vs. <10% in the decade before. The SA growth of 20% CAGR
over FY14-16 is also the highest among all large banks. The underlying
momentum in its NEFT/RTGS market share (13-20%) indicates that
HDFCB will continue to build on this gain and makes us confident that
multiples can remain high for the next three-four years.
On CA deposits, the top-6 private banks contribute 60% of the incremental
CA over FY14-16 vs. 45% over FY10-14, and 30-35% over FY06-10.
While all PSU banks are losing share, smaller PSUs have had almost no CA
growth in the past three years, and even ex-SBI, large PSUs have lost
significant share. On SA deposits, the shift remains more gradual, with the
top-6 private banks garnering 27% of the incremental SA deposits, with top
PSU banks ex-SBI losing share from 25% in FY12-14 to 21% in FY14-16.

9. MARKET SHARES

12. Bank to focus on digital platform for growth
Private sector HDFC Bank plans to focus on digital platforms in
rural and semi-urban markets to achieve sustained growth in the
coming years. The bank is well positioned to continue to grow
faster than the banking sector both in retail and wholesale
segments, HDFC Bank said in its annual report for 2015-16. The
report further said the bank will continue its focus on five core
values of customer focus, operational excellence, product
leadership, people and sustainability. All of this will help the bank
on its onward growth journey and help create longterm shareholder
value,” it said. Meanwhile, the bank has emerged as the most
honoured company in the latest ranking released by Institutional
Investor magazine. It has also judged the bank's Managing Director
Aditya Puri as the best CEO.

13. ENVIRONMENT
 Business Environment:
Business Environment is the sum total of all external factors and
internal factors that influence a business .External factors and Interal factors
influence each other and work together to affect a business.
 Political Environment:
The Political ennvironment refers to the actions taken by the
government ,which potentially affect the daily business activities of any
business or company.Government regulations: Banks as a financial body are
always restricted with policirs and rules.The RBI closely governs the banks
and other financial institutions and budgets made by the governmenat
affects the banking activities and also its business to a certain
extent.Governments's support to the PSU banks has an impact on the
performance of other private players.RBI is going to allow foreign banks to
invest upto 74% into the Indian market .

14.  Economical Environment:
The Economical environment in which a business operates has a
great influence upon it.Every years the changes in monetary policy affect
the workings of the bank .The decisions on the monetary policy impact the
interest rates at which banks lend money.In the last 2 years rbi has modified
its monetary rates 13 times to curb inflation n other financial risks related. l
 Social Environment:
The Social environment refers to the immediate social and
physical setting in which something happens or develops.The lifestyles of
indians consumers is rapidly changing and the buying power has also grown
by leaps and bounds .The rural market is expanding rapidly too.
 Technological Environment:
The Technological environment is the state ,government and its
institutions and legislations and the public and private shareholders who
operate and interact with or influence that system.

15. BRANDING AND POSITION OF HDFC BANK
Private sector lender HDFC Bank is the only Indian entity to find a place
among the top 100 most valuable brands globally, along with Apple,
Google, Microsoft, IBM and Facebook.
HDFC Bank is ranked at 74th position in the BrandZ list compiled by
Millward Brown, a global research agency, in association with WPP. The
report says, the bank is India's most valuable brand with a value of $14 bn.
Apple tops the chart with a brand value of $246.9 bn, followed by Google
with $173.6 bn and Microsoft with $115.5 bn.
At the fourth position is IBM with brand value of $93.9 bn, while Visa is at
fifth position with value of $91.9 bn. Wells Fargo tops the charts of the
banking sector, which is at 16th position overall, having a brand value of
$59.3 bn, followed by ICBC brand at 22nd position valued at
$38.8bn.Among others are HSBC at 35th position with $24 bn, RBC Royal
Bank at 36th position valued at $23.9 bn and China Construction Bank
valued at $22bn.

16. BrandZ’s Top 100 Most Valuable Global Brands 2016 ranking features
HDFC Bank Ltd at the 69th position. Up five notches since its last year’s
ranking, HDFC Bank is the only Indian brand to make it to this list.Making
it to the list for the second time in a row, HDFC’s brand value has increased
to $14.44 billion from $14.02 billion last year.
HDFC Bank topped, for the third consecutive year, the 3rd annual BrandZ
Top 50 Most Valuable Indian Brands ranking. Airtel came in at No. 2
followed by State Bank of India at No. 3. The study, released by WPP and
Kantar Millward Brown, showed HDFC Bank clocked a 15% growth over
the past year.
The BrandZ Top 50 Most Valuable Indian Brands report showed that the
total value of India’s top brands has risen by 30% over the last three years.
The top 50 brands are now worth $90.5 billion.

17. Conclusion
Increasing competition has become a challenge for Indian banks but it
also provides thoughtful opportunities to develop the banking
business as per international standards. Though, IT leads
improvement in all banks however ebanks are gaining the momentum.
If ebanking serves with better efficiency and reduced costs with more
satisfied customers and employees, then why not all the banks must
exploit this opportunity as differentiating strategy to gain more
competitiveness. The technology holds the key to future success of
Indian banks as India could leap-frog into internet banking quicker
than the United States provided Indian banks grab the opportunity.The
lack of penetration of computers in the country is not a stumbling
block in this case but it can happen without wiring up the entire
country.

18. THE END
THANK YOU SIR
PRESENTED BY: BHARGAV CHITALIYA