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HDFC has a lower cost of funding than banks due to having fewer sources of funds. HDFC also has the lowest cost-income ratio in Asia, with expenses making up just 14% of net interest income, compared to over 50% for banks. HDFC spends just 0.51% of its assets on total expenses, while most banks spend between 2.3-3%. HDFC also has a low non-performing loan ratio of 0.81% and low employee attrition. HDFC has a higher profit margin than its competitors and pays a higher dividend, demonstrating better future prospects resulting from its strong core competencies discussed in the previous section.
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This document discusses the dividend policies of several major Indian banks - HDFC Bank, ICICI Bank, Axis Bank, and ING Vyasya Bank. It defines dividend policy and payout ratio, and outlines some key factors that influence dividend decisions like growth opportunities, liquidity, access to capital markets, and inflation. A comparison shows that ICICI Bank had the highest dividend payout ratio between 2011-2014, paying out 31.3% of earnings in 2014, while ING Vyasya Bank had the lowest at 11.39% that year. HDFC Bank maintained a more consistent payout ratio over this period.
Presentation
This document analyzes financing strategies of Trident's competitors in the textile and paper industries to recommend lower cost sources of financing for Trident. It summarizes each competitor's financing sources and costs. Notable competitors like Vardhman and Welspun rely on diversified sources like deposits and debentures with lower costs than Trident. The document recommends Trident explore new products like indexed bonds, extendable notes, and floating rate bonds to reduce costs based on competitors' use of these. It estimates monthly savings of hundreds of thousands to millions for Trident from switching financing sources.
Hdfc securities Limited
HDFC Securities is a subsidiary of HDFC Bank incorporated in 2001 as a joint venture between HDFC Ltd and HDFC Bank. It offers broking services in cash and derivative markets as well as distributes third party products like mutual funds. HDFC Securities remains a strong player in the cash segment and has over 250 branches. It has seen strong revenue and profit growth in recent years and maintains high credit ratings. The company also pays high dividends and has support from its parent HDFC Bank.
Strategic analysis of hdfc bank
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.
Capital Structure of banking companies
This document analyzes and compares the capital structures of State Bank of India (SBI) and ICICI Bank over a 5-year period using various financial ratios. It finds that SBI relies more heavily on debt financing while ICICI Bank relies more on equity financing. Both banks follow a successful "trading on equity" policy and have sound financial positions that increase shareholder returns. The capital structures and ratios indicate that SBI benefits from lower costs of capital by using more debt, while ICICI Bank benefits from lower risks by using more equity.
Bank management
The document compares Punjab National Bank (PNB) and ICICI Bank across various financial metrics known as CAMEL parameters: Capital Adequacy, Asset Quality, Management, Earnings, and Liquidity. The analysis finds that while ICICI Bank generally performs better than PNB on indicators like NPA levels and profitability, PNB outperforms on metrics like business per employee, indicating more efficient use of resources. Overall, the study concludes that public sector banks like PNB have shown better financial health than private banks, though ICICI Bank has relatively stronger performance compared to other private lenders.
“Satisfaction level for banking services a case study of hdfc bank customers”
The document summarizes a study on customer satisfaction levels with banking services provided by HDFC Bank. It analyzed 250 HDFC Bank customers using a Likert scale survey across various dimensions. Key findings include:
1. Accounts and deposits had the highest satisfaction rate while loans had the lowest. Infrastructure like parking facilities also showed room for improvement.
2. Staff knowledge and presentation received high marks but customers felt they could be more helpful.
3. The study aimed to identify weak areas for HDFC Bank to improve customer satisfaction.
Financial Inclusion and All Rates
This document provides information on various key terms related to financial inclusion and interest rates in India. It defines financial inclusion as ensuring access to appropriate financial products and services for all sections of society, especially vulnerable groups, at an affordable cost. It discusses the Reserve Bank of India's role in promoting financial inclusion through various initiatives like no-frills accounts, business correspondent models, and financial literacy programs. The document also explains terms like repo rate, reverse repo rate, cash reserve ratio, statutory liquidity ratio, base rate, and call rates which are tools used by RBI to regulate monetary policy and liquidity in the banking system.
Private sector banks swot analysis
This document analyzes the SWOT of private sector banks in India. It discusses their evolution since the early 20th century and present scenario. Private banks have strengths like professional manpower, efficiency, and compliance with regulations. Their weaknesses include limited geographic reach and high employee turnover. Opportunities exist in decision making autonomy and technology, while threats include competition from foreign and public sector banks. Specific SWOT analyses are also provided for ICICI Bank, Kotak Bank, and Axis Bank.
RESEARCH.docx
The document compares financial performance indicators between Punjab National Bank (PNB) and HDFC Bank over a 5-year period from 2017 to 2021. It analyzes growth in key metrics such as net profit, net assets, return on assets (ROA), and non-performing assets (NPA). The summary shows that HDFC Bank outperformed PNB on most measures, with higher ROA, positive net profit growth, and lower NPA ratios compared to PNB's negative net profit growth and higher NPA ratios.
HDFC Financial Analysis
The document analyzes various financial ratios of HDFC Bank over a 5-year period from 2012 to 2016 to evaluate the bank's profitability, liquidity, operational efficiency, and financial health. The ratios analyzed include current ratio, quick ratio, interest spread, net profit margin, return on equity, credit deposit ratio, loan-to-deposit ratio, earnings per share, and total debt to owners' fund. The analysis found that while some ratios like quick ratio and EPS increased steadily, others like interest spread, net profit margin, and return on equity witnessed fluctuations, indicating changes in the bank's profitability and decisions over time.
hdfc-161202180729.pdf
The document analyzes financial ratios of HDFC Bank over 5 years from 2012 to 2016. It discusses various liquidity, leverage, profitability and operational ratios such as current ratio, quick ratio, interest spread, net profit margin, return on equity, credit deposit ratio, loan to deposit ratio, and earnings per share. The analysis found that while some ratios like quick ratio and EPS increased over time, others like interest spread, net profit margin and return on equity declined at times, indicating changes in the bank's profitability and financial health over the period. The total debt to owners' fund ratio was also unstable at times, representing higher risk.
Dipak
SLR refers to the statutory liquidity ratio, which is the minimum ratio of liquid assets like cash, gold, and approved securities that banks must maintain as a proportion of their net demand and time liabilities. The ratio is set by the central bank, currently the Reserve Bank of India, and can range between 25-40%. CRR refers to the cash reserve ratio, which is the minimum amount of total deposits that banks must maintain as cash reserves with the central bank. This ratio is also set by the central bank and is currently 5.75% in India. PLR refers to prime lending rates, which are interest rates charged to banks' most creditworthy corporate customers.
MFI Analysis: Cashpor
Created as a midterm project for a Johns Hopkins School of Advanced International Studies (SAIS) graduate-level course on Microfinance and Development. Task was to analyze a microfinance institution and discuss its history, business model, and provide an overview of its financial position. Created Summer 2008.
Stm presentation
The document analyzes the SWOT and PEST of HDFC Bank. It identifies strengths such as having many branches and ATMs across India, high customer satisfaction, and strong financial performance. Weaknesses include a lack of presence in rural areas. Opportunities exist in corporate banking and acquisitions, while threats include increased competition from other banks and non-banking financial institutions.
HDFCBANK_ICICIBANK_LATEST.pdf
This document compares key financial metrics of HDFC Bank and ICICI Bank over the last 10 years. It finds that HDFC Bank has consistently outperformed ICICI Bank across most metrics, including net interest income, other income, operating profit, pre-tax profit, net profit, total assets, deposits, advances, branches/ATMs, earnings per share, return on assets/equity, and cost-to-income ratio. While ICICI Bank has improved in recent years, HDFC Bank maintains higher compounded annual growth rates over 5 and 10 year periods. Both banks are well capitalized above regulatory requirements. HDFC Bank also has superior asset quality with significantly lower NPA ratios compared to ICICI Bank.
Introduction to Finance
This document provides an introduction to finance concepts. It discusses that firms require capital to run operations, and capital can come from equity or debt sources, each with their own costs. The objective of a firm is to maximize economic profits. A financial manager's role is to ensure profitability by allocating funds to profitable projects and employing different capital raising methods to reduce overall costs. Key financial metrics discussed for evaluating projects include net present value, internal rate of return, payback period, and profitability index. The document concludes by thanking the finance team for their work.
Similar to Question 6 and 7 (20)
COMPARITIVE ANALYSIS OF INDIABULLS HOUSING FINANCE LTD AND
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A Comparative Study on Debt Mutual Funds with Reference to SBI and HDFC Banks
A Comparative Study on Debt Mutual Funds with Reference to SBI and HDFC Banks
“Satisfaction level for banking services a case study of hdfc bank customers”
“Satisfaction level for banking services a case study of hdfc bank customers”
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原版制作(PSU毕业证书)宾州州立大学公园分校毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(PSU毕业证书)宾州州立大学公园分校毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Lifting the Corporate Veil. Power Point Presentation
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Fraud or Illegality: If shareholders or members use the corporate structure to perpetrate fraud, evade legal obligations, or engage in illegal activities, courts may disregard the corporate entity and hold those individuals personally liable.
Undercapitalization: If a corporation is formed with insufficient capital to conduct its intended business and meet its foreseeable liabilities, and this lack of capitalization results in harm to creditors or other parties, courts may lift the corporate veil to hold shareholders or members liable.
Failure to Observe Corporate Formalities: Corporations and LLCs are required to observe certain formalities, such as holding regular meetings, maintaining separate financial records, and avoiding commingling of personal and corporate assets. If these formalities are not observed and the corporate structure is used as a mere façade, courts may disregard the corporate entity.
Alter Ego: If there is such a unity of interest and ownership between the corporation and its shareholders or members that the separate personalities of the corporation and the individuals no longer exist, courts may treat the corporation as the alter ego of its owners and hold them personally liable.
Group Enterprises: In some cases, where multiple corporations are closely related or form part of a single economic unit, courts may pierce the corporate veil to achieve equity, particularly if one corporation's actions harm creditors or other stakeholders and the corporate structure is being used to shield culpable parties from liability.
在线办理(SU毕业证书)美国雪城大学毕业证成绩单一模一样
学校原件一模一样【微信：741003700 】《(SU毕业证书)美国雪城大学毕业证成绩单》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
一比一原版(Lincoln毕业证)新西兰林肯大学毕业证如何办理
Lincoln硕士毕业证成绩单【微信95270640】办理新西兰林肯大学毕业证原版一模一样、Lincoln毕业证制作【Q微信95270640】《新西兰林肯大学毕业证购买流程》《Lincoln成绩单制作》新西兰林肯大学毕业证书Lincoln毕业证文凭新西兰林肯大学
本科毕业证书,学历学位认证如何办理【留学国外学位学历认证、毕业证、成绩单、大学Offer、雅思托福代考、语言证书、学生卡、高仿教育部认证等一切高仿或者真实可查认证服务】代办国外（海外）英国、加拿大、美国、新西兰、澳大利亚、新西兰等国外各大学毕业证、文凭学历证书、成绩单、学历学位认证真实可查。
[留学文凭学历认证(留信认证使馆认证)新西兰林肯大学毕业证成绩单毕业证证书大学Offer请假条成绩单语言证书国际回国人员证明高仿教育部认证申请学校等一切高仿或者真实可查认证服务。
多年留学服务公司,拥有海外样板无数能完美1:1还原海外各国大学degreeDiplomaTranscripts等毕业材料。海外大学毕业材料都有哪些工艺呢？工艺难度主要由：烫金.钢印.底纹.水印.防伪光标.热敏防伪等等组成。而且我们每天都在更新海外文凭的样板以求所有同学都能享受到完美的品质服务。
国外毕业证学位证成绩单办理方法：
1客户提供办理新西兰林肯大学新西兰林肯大学毕业证学位证信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
— — — — 我们是挂科和未毕业同学们的福音我们是实体公司精益求精的工艺！ — — — -
一真实留信认证的作用(私企外企荣誉的见证):
1：该专业认证可证明留学生真实留学身份同时对留学生所学专业等级给予评定。
2：国家专业人才认证中心颁发入库证书这个入网证书并且可以归档到地方。
3：凡是获得留信网入网的信息将会逐步更新到个人身份内将在公安部网内查询个人身份证信息后同步读取人才网入库信息。
4：个人职称评审加20分个人信誉贷款加10分。
5：在国家人才网主办的全国网络招聘大会中纳入资料供国家500强等高端企业选择人才。问山娃想买什么想吃什么山娃知道父亲赚钱很辛苦除了书籍和文具山娃啥也不要能牵着父亲的手满城闲逛他已心满意足了父亲连挑了三套童装叫山娃试穿山娃有点不想父亲说城里不比乡下要穿得漂漂亮亮爸怎么不穿得漂亮望着父亲山娃反问道父亲听了并不回答只是吃吃地笑山娃很精神越逛越起劲父亲却越逛越疲倦望着父亲呵欠连天的样子山娃也说困了累了回家吧小屋闷罐一般头顶上的三叶扇彻夜呜呜作响搅得满屋热气腾腾也搅得山娃心烦意乱父亲一的
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快速办理(SCU毕业证书)澳洲南十字星大学毕业证文凭证书一模一样
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Question 6 and 7
- 1. 7. Resources, Capabilities and Core competence • Cost of funding is lower than that of banks, which have three sources of funds — savings account, current accounts and term deposits. • HDFC has probably the lowest cost-income ratio in Asia. Their expenses constitute just 14 per cent of their net interest income. For banks, the ratio is over 50 per cent. While they spend 0.51 per cent of their assets on total expenses, most banks spend between 2.3-3 per cent of their assets • They do not have a credit risk. Their total non- performing loans are 0.81 per cent of their assets. • Attrition rate of HDFC bank is low.
- 2. 6. Profitability Ratios Bank 2016 2015 2014 2013 HDFC 21.07 20.61 19.18 18.93 ICICI 18.44 22.76 22.20 20.77 AXIS 20.73 20.29 19.05 19.28 PROFIT MARGIN HDFC bank has a higher profit margin than its competitors in the current year. HDFC pays a dividend of 9.50 INR while ICICI pays 5.00 INR and AXIS pays 4.60 INR. Thus HDFC has a better future prospectus than any of its competitors and its core Competencies have been talked about in Question No: 7.