This document analyzes HDFC Bank. It provides background on the founder of HDFC and the establishment of HDFC Bank in 1994 as one of the first new generation private sector banks in India. The bank focuses on understanding customer needs, leveraging technology, and creating quality over quantity. It deals with retail banking, wholesale banking, and treasury operations. The bank has over 2,700 branches across India and internationally. Various ratios like the current ratio, debt-equity ratio, and price-earnings ratio are analyzed from 2012 for HDFC Bank, ICICI Bank, and SBI Bank.

1. ANALYSIS OF HDFC
BANK
Prepared By :-
Kuheli Hazara
Kunal Sharma
Megha Rawat
Makesh Nair
Manish Lakhchaura

2. Founder of HDFC
Hasmukh Bhai Parekh
In 1956 he began his financial
affairs.
In 1992, government of India
honored him with Padma Bhushan.
In 1994 he abode the earth.

3. HDFC BANK
• Housing Development Finance Corporation
• HDFC Bank was incorporated in August 1994
• Among the first in new generation commercial banks
• 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.
• Registered office in Mumbai, India
• Listed in NSE and BSE

4. HDFC Focuses on
• Understanding the needs of customers and offering them
superior product and service.
• Leveraging technology to service customers quickly and
conveniently.
• To create quality of consumers and not quantity of
Consumers.
• Providing and enabling environment to foster growth and
learning for the employees.

5. THE THREE MAJOR
FUNCTIONS OF HDFC BANK
HDFC Bank deals with three key business
segments:-
 Retail Banking Services
 Wholesale Banking Services
 Treasury Operations

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. NETWORK
2,776 branches
10,490 ATM’s in the
country
1,399 cities in India
16 branches in Middle
east
6 in Africa
Representative offices
in Hong Kong, New York,
London & Singapore

8. ASSOCIATE COMPANIES

10. PEST ANALYSIS
 POLITICAL FACTORS
1. Government Regulations
2. Stable Constituency
3. Fiscal Policy
 ECONOMIC FACTORS
1. Market Performance
2. Global Standards
3. Inflation
• SOCIAL FACTORS
Community Initiatives
Income
• TECHNOLOGICAL
FACTORS
This is the era of information
technology and due to net
banking, online transaction, online
RTGS, clearing system helps the
industry a lot.

11. SWOT ANALYSIS
 Strengths
1. Extensive distribution network consisting of 2,776 branches in
10,749 cities
2. Strong brand equity
3. ISO 9001 certification
 Weakness
1. Account opening and delivery of cheque book takes more time.
2. Lack of availability of different CC limits, bill discounting facilities.
 Opportunity
1. Door step services
2. Branch expansion
 Threats
1. Facing competition from competitors like SBI, PNB.

12. Analysis
and
Interpretation

13. • RATIO ANALYSIS
• CLASSIFICATION OF RATIOS
Ratio
Analysis
Current
Ratio
Quick
Ratio
Debt-
Equity
Ratio
Net
Assets
value
Ratio
Net Profit
Ratio
RCE Ratio

14. Current Ratio
Current Ratio(2012)
HDFC 0.08
ICICI 0.13
SBI 0.05
0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
HDFC 2012 ICICI 2012 SBI 2012
Current Ratio
Current Ratio
INTERPRETATION
It increased by 2012 by 0.02%.

15. Quick Ratio
Quick Ratio(2012)
HDFC 6.20
ICICI 16.71
SBI 12.05
0
2
4
6
8
10
12
14
16
18
HDFC 2012 ICICI 2012 SBI 2012
Quick Ratio
Quick Ratio
INTERPRATATION
It decreased by 0.69% in 2012.

16. Debt – Equity Ratio
DER(2012)
HDFC 9
ICICI 7.2
SBI 14.8
0
2
4
6
8
10
12
14
16
HDFC 2012 ICICI 2012 SBI 2012
Debt Equity Ratio
DEBT EQUITY RATIO
INTERPRETAION
In 2012 debt equity ratio has increased by 3.9%.

17. NAV Ratio
NAV Ratio(2012)
HDFC 0.12
ICICI 0.09
SBI 0.10
0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
HDFC 2012 ICICI 2012 SBI 2012
Asset turnover Ratio
Asset turnover Ratio
INTERPRETATION
It increased by 0.01% in 2012.

18. Earning per share
EPS (2012)
HDFC 26.51
ICICI 56.09
SBI 221.39
0
50
100
150
200
250
HDFC 2012 ICICI 2012 SBI 2012
Earning Per Share
EARNING PER SHARE
INTERPRETATION
IN 2012 EARNING PER SHARE IS DECREASE BY 62%.

19. Dividend per share
DPS (2012)
HDFC 4.30
ICICI 16.50
SBI 35.00
0
5
10
15
20
25
30
35
40
HDFC 2012 ICICI 2012 SBI 2012
Dividend Per Share
DIVIDEND PER SHARE
INTERPRETATION
Dividend per share decreased by 12.50%.

20. Dividend yield ratio
DYR(2012)
HDFC 0.67%
ICICI 1.52%
SBI 1.58%
0.00%
0.20%
0.40%
0.60%
0.80%
1.00%
1.20%
1.40%
1.60%
1.80%
HDFC 2012 ICICI 2012 SBI 2012
Dividend Yield Ratio
DIVIDEND YIELD RATIO
INTERPRETATION
In 2012 it’s increased by 0.13%.

21. Price earning ratio
PER(2012)
HDFC 21.6
ICICI 15.75
SBI 10.00
0
5
10
15
20
25
HDFC 2012 ICICI 2012 SBI 2012
Price Earning Ratio
Price Earning Ratio
INTERPRETATION
In 2012 price earning is decrease by 6.5%.