HDFC BANK (3)

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BANKING & INSURANCE

PROJECT ON HDFC BANK

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INTRODUCTION

HDFC Bank Ltd. is a major Indian financial services company based inMumbai, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks.The Bank was promoted by the Housing Development Finance

Corporation, a premier housing finance company (set up in 1977) of India.HDFC Bank is headquartered in Mumbai. The Bank has an network of 1,725 branches spread in 780 cities across India.All branches are linked on an online real-time basis. Customers in over 500locations are also serviced through Telephone Banking. The Bank has apresence in all major industrial and commercial centres across thecountry.The Bank also has 4,393 networked ATMs across these cities.Moreover, HDFC Bank's ATM network can be accessed by all domestic andinternational Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus andAmerican Express Credit/Charge cardholders.

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OVERVIEW

FounderDeepak ParekhProducts

Investment BankingCommercial BankingRetail BankingPrivate BankingAsset ManagementMortgagesCredit Cards

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OVERVIEW

RevenueRs 20,266.99 crore (US$ 4.32 billion)(2010)

Op erating incomeRs. 4,419.01 crore (US$ 941.25 million)(2010)

ProfitRs. 3,032.92 crore (US$ 646.01 million)(2010)

Total assetsUS$ 39.723 billion (2009)

Total equity

Rs 21,158.15 crore (US$ 4.51 billion)(2010)Emp loyees51,888 (2010)WebsiteHDFCBank.com

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HISTORY

HDFC Bank was incorporated in the year of 1994 by Housing DevelopmentFinance Corporation Limited (HDFC), India's premier housing financecompany.

It was among the first companies to receive an 'in principle' approval fromthe Reserve Bank of India (RBI) to set up a bank in the private sector.The Bank commenced its operations as a Scheduled Commercial Bank inJanuary 1995 with the help of RBI's liberalization policies.In a milestone transaction in the Indian banking industry, Times Bank

Limited (promoted by Bennett, Coleman & Co. / Times Group) was mergedwith HDFC Bank Ltd., in 2000.This was the first merger of two private banks in India.

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THE THREE MAJOR FUNCTIONS OFHDFC BANK

HDFC Bank deals with three key business segments:-Retail Banking ServicesWholesale Banking ServicesNRI Banking Services

It has entered the banking consortia of over 50 corporates for providingworking capital finance, trade services, corporate finance and merchantbanking. It is also providing sophisticated product structures in areas of foreign exchange and derivatives, money markets and debt trading andequity research.

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RETAIL BANKING SERVICES

The objective of the Retail Bank is to provide its target market customers afull range of financial products and banking services, giving the customer aone-stop window for all their banking requirements.

The products are backed by world-class service and delivered tocustomers through the growing branch network, as well as throughalternative delivery channels like ATMs, Phone Banking, Net Banking andMobile Banking.HDFC Bank was the first bank in India to launch an International Debit

Card in association with VISA (VISA Electron) and issues the MasterCardMaestro debit card as well.The Bank launched its credit card business in late 2001.

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ACCOUNTS & DEPOSITS

Typ es of Savings AccountsThese accounts are primarily meant to inculcate a sense of saving for thefuture, accumulating funds over a period of time.

RegularSalarySavings PlusClassicNo Frills

PremiumSenior CitizensKisan No FrillsPension SavingsFamily Savings

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ACCOUNTS & DEPOSITS

Typ es of Current AccountsYou can have the power of multi-location access to your account from any of our 1,725 branches in 780 cities. Not only that, you can do most of your

banking transactions from the comfort of your office or home withoutstepping out.PlusTradePremium

RegularRFC DomesticFlexi Current ApexMax

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ACCOUNTS & DEPOSITS

Typ es of Fixed De p osits

Fixed deposits allow you to borrow from your own funds for a limited period,thus fulfilling your needs as well as keeping your savings secure.

RegularFixed DepositSuper SaverSweep-In5 Year Tax Saving Fixed Deposit

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LOANS

Typ es Of Loans

Personal loansSmart draftHome loansVehicle loansGold loansEducational loansLoans against securitiesLoans against propertyHealth care financeRetail agri-loansWarehouse receipt loans

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CARDS

HDFC Bank has cards that help you meet your financial objectives. whetheryou are looking to add to your buying power, conducting cashless shopping,or budgeting your expenditure, you will find a card that suits you.

1) Credit CardsBesides arming the customer with unmatched spending power, our CreditCards are designed to meet your unique needs. even the online credit cardsservice Net safe. The types of Credit cards available are Premium CreditCards, Commercial Cards, Titanium Card, O ther Cards, Gold Credit Cards.

2) Debit CardsHDFC Bank Debit Cards give you complete and instant access to the money inyour accounts without the risk or hassle of carrying cash. The types of DebitCards are Classic Cards, Premium Cards, S p ecialised Cards.

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CARDS

3 ) Pre p aid CardsBesides offering convenience, our Prepaid Cards have been tailored to answeryour travel and gifting needs. The types available are:-

Forex Plus CardFood Plus CardMoney Plus CardPrepaid Travel CardPrepaid Gift Card

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INVESTMENTS & INSURANCE

Life insurance is designed to offer financial protection for you and your familyduring the times of uncertainties. Choose from a range of traditionalinsurance and unit linked plans designed to help you with your savings,retirement, investment and protection needs.

Wealth Advisory ServicesThis exclusive service comes to you with an array of unmatched benefits.

M utual FundsInvest through the Mutual Fund route to meet your varied investment

objectives.Tax Planning

At HDFC Bank we offer a number of advantageous tax saving investmentoptions.

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INVESTMENTS & INSURANCE

InsuranceLife insurance is designed to offer financial protection for you and your familyduring the times of uncertainties. Choose from a range of traditionalinsurance and unit linked plans designed to help you with your savings,retirement, investment and protection needs.

Traditional PlansHDFC CHILDREN'S PLANHDFC MONEY BACK PLAN

HDFC SAVINGS ASSURANCE PLANU nit Linked Plans

HDFC Pension SupremeHDFC Young Star Supreme SuvidhaHDFC Wealth Builder

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FOREX & TRADE SERVICES

If you need to deal in foreign currency and keep tabs on exchange rates everynow and then, transfer monies to India, make payments etc., HDFC Bank has arange of products and services that you can choose from to transactsmoothly, efficiently and in a timely manner.

Foreign Exchange and Trade ServicesTravellers ChequesForeign Currency CashForex Plus cardCheque Deposits

Trade ServicesImp ortant guidelines and schedulesAll Foreign Exchange transactions are conducted by strictly adhering to RBIguidelines. Depending on the nature of your transaction or point of travel,you will need to understand your Foreign Exchange limits.

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PRIVATE BANKING(ADVISORY SERVICES)

Portfolio analysis and financial p lanning The bank analyses your existingportfolio allocation and recommend changes in line with currentopportunities, your profile and cash flows, risk appetite and financialrequirements. A comprehensive investment plan is drawn out to meetyour long and short- term financial goals across multiple asset categories.Portfolio review and tracking Your portfolio is tracked on an ongoing basisto monitor the portfolio returns, cash flows and asset allocation. Wecontinually advice you on appropriate rebalancing of your portfolio on thebasis of performance of each asset category and analysis of futureexpectations. All portfolios are approved by our research desk on an

ongoing basis.Advice across asset categories We offer research-based advice acrossasset categories like mutual funds, equity and its derivatives, insuranceand more. Also, a holistic view of your portfolio across all asset categorieshelps us advice you better and offer you a consolidated wealth statement.

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PRIVATE BANKING(ADVISORY SERVICES)

Dedicated investment advisor a trained personal advisor is assigned toyou as a one-point contact, guiding you and attending to all yourinvestment related needs. The advisor on an ongoing basis helps yourestructure and monitor your portfolio based on research desk'srecommendations as well as provides procedural assistance, both throughonline and offline modes.Value added services the bank offers value added services that help yourportfolio like transaction audit for transactions done through HDFC Bank,tax guidance and opinions in related areas.

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PRIVATE BANKING(RESEARCH RESOURCES)

1) Research Rep ortsIn this world of communication clutter, it is becoming increasinglydifficult to sift out information that is relevant to your portfolio.Multiple reports running into multiple pages with points and sub-points leave you with complex data you don t have time to go through.Our research reports are designed to provide you relevant informationin the simplest formats.

2) AAG At A GlanceAn exclusive monthly magazine is available only to our investmentadvisory clients. It is a widely acknowledged monthly publicationproduced by the bank s research team that analyses specific mutualfunds, stocks, sectors and the equity / debt / forex markets, providinga sharp view of the equities and debt markets.

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WHOLESALE BANKING SERVICES

The Bank's target market ranges from large, blue-chip manufacturingcompanies in the Indian corporation to small & mid-sized corporate andagri-based businesses.

For these customers, the Bank provides a wide range of commercial andtransactional banking services, including working capital finance, tradeservices, transactional services, cash management, etc.The bank is also a leading provider of structured solutions, which combinecash management services with vendor and distributor finance forfacilitating superior supply chain management for its corporate customers.It is recognized as a leading provider of cash management andtransactional banking solutions to corporate customers, mutual funds,stock exchange members and banks.

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CORPORATES

Corp orate Banking reflects HDFC Bank's strengths in providing ourcorporate clients in India, a wide array of commercial, transactional andelectronic banking products. They achieve this through innovative product

development and a well-integrated approach to relationship management.Large Cor p orates -HDFC offers blue chip companies in the India, a fullrange of client-focused corporate banking services, including workingcapital finance, trade and transactional services, foreign exchange andcash management, to name a few. The product offerings are suitablystructured taking into account a client's risk profile and specific needs.Based on our superior product delivery, industry benchmark service levelsand strong customer orientation, we have made significant inroads intothe formal banking consortia of a number of Indian companies includingmultinationals, domestic business houses and prime public sectorcompanies.

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CORPORATES

1) Supp ly Chain PartnersAt HDFC Bank we create Supply Chain Finance solutions that enable ourclients to automate supply chain management resulting in operationalefficiency and supply chain gains. Our vast array of services and supply chain

solutions help in seamless transfer of funds, faster delivery of goods andreduction of processing costs.

2) Agricultural LendingEveryone who is involved in agricultural industry knows that the business isnot usual. Each agribusiness faces different challenges and has unique needs.From the fluctuating cash flows to the unpredictability of the weather,managing a successful agribusiness requires a distinctive approach.

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FINANCIAL INSTITUTIONS & TRUSTS

HDFC caters to the following institutions:-BanksFinancial Institutions

Mutual FundsStock BrokersInsurance CompaniesCommodity BusinessesTrusts

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GOVERNMENT SECTOR

HDFC Bank acts as an active medium between the government and thecustomers by means of various services. These services include:-

Tax Collection wherein customers can directly pay their taxes like Directtaxes, Indirect taxes and Sales Tax collections at their local HDFC Bank.E-Ticketing - Helps the customer by providing him a direct access to booka Railway Ticket online and get it home delivered. Opening of L/C's is doneby the bank on behalf of Government of India, Mints and Presses, thusfacilitating imports for the Government.Collection of levies and taxes on behalf of Municipal Corporations i.e.Kalyan -Dombivli Municipal Corporation, is undertaken by the Bank.Collection of stamp duty is done via franking mode in the state's of Maharashtra & Gujarat.

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NRI BANKING

With a view to attract the savings and other remittance into India throughbanking channels from the person of Indian Nationality / Origin who areresiding abroad and bolster the balance of payment position, theGovernment of India introduced in 1970 Non-Resident(External) AccountRules which are governed by the Exchange Control Regulations.The funds held in Non-Resident (External) Accounts (NRE Accounts) qualifyfor certain benefits like exemptions from taxes in India, free reatriationfacilities, etc.HDFC Bank facilitates NRI customer with accounts such as ( N RE) NonResident External Accounts, (N RO) Non Resident Ordinary Accounts &(FCN R) Foreign Currency Non Resident Accounts

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ACCOUNTS & DEPOSITS

TYPES OF CU RREN T ACCOUN TS1) N RE CU RREN T A/CTransfer and repatriate funds easily with your NRE Rupee Current Account.

Convenient banking options make your account accessible to you fromanywhere in the world.

2) N RO CU RREN T A/CPark your Indian earnings or remit funds through various channels; NRO

Rupee Current Account is an ideal account for foreign corporate bodies andforeign nationals on visits to India.

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ACCOUNTS & DEPOSITS

FIX ED DEPOSIT ACCOUN TS1) N RE FIX ED DEPOSITNRE Fixed Deposits are maintained in Indian Rupees. Repatriate the principaland interest amount fully and also get higher interest rates. The deposit ratesfor NRE deposits will change from the first of every month. Since the cap onNRE rates has been enforced by the Reserve Bank of India

2) N RO FIX ED DEPOSITInvest in NRO Fixed Deposits for high growth returns on your savings.Maintained in Indian Rupees, the Deposits are an ideal long-term investmentoption for you.

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ACCOUNTS & DEPOSITS

SU PER SAV ER A/CSuper Saver Account gives you the dual advantage - liquidity of a SavingsAccount + high interest rates of Fixed Deposit. You can avail of an overdraft upto 75% *of the value of your Fixed Deposit. All NRIs holding an NRI account

with HDFC Bank are eligible to open a Super Saver Account.SWEEP IN A/C

Link your Fixed Deposit to your NRI Savings or Current Account and it ll takecare of deficits, if any, in your NRI Savings or Current Account without losingout on the interest. All NRI account holders are eligible to open the Sweep-In

Account. The facility is available against the NRO/NRE Term Deposits and isnot available against FCNR Term Deposits.

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ACCOUNTS & DEPOSITS

FOREIGN CU RREN CYDEPOSITSFCN R DEPOSIT

With this account not only will you grow your foreign currency securely byprotecting it against exchange rate fluctuation but also earn interest at Indianrates. Book fixed deposit in 6 foreign currencies and protect your depositfrom exchange rate risks.

RU PEEM AX

Make your Rupee earn more with RupeeMaxRupeeMax is a forward cover product, designed to get you maximum returns

in INR. RupeeMax locks into an exchange rate to convert foreign currencyinvestments into Indian Rupees.

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ACCESSIBILITYWherever you are, HDFC Bank is always accessible. Customers can experiencetotal control and convenience with the range of innovative services.

N et Banking lets you manage your account from the comfort of yourmouse - anytime, anywhere.Credit Cards Online Access your Credit Cards account anytime, anywhere.Phone Banking Your phone is now your BankInsta Alerts Get regular updates on your bank account on your mobilephone or email ID.

M obile Banking Access your bank account and conduct a host of bankingtransactions and inquiries through your mobile.

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ACCESSIBILITY

ATM 24 -hour access to cash, view mini-statement, order cheque books,recharge your prepaid card... all from our wide network of over 4,393ATMs.

One V iew is a revolutionary service from HDFC Bank that allows you tomanage multiple accounts in different banks through one single onlineinterface.Email Statements HDFC Bank introduces Email Statements for all itsSavings & Current account holders.

BranchN

etwork Our sophisticated computerized network gives you theflexibility of accessing your Savings or Current Account from any of ourover 1,725 branches and over 4,393 ATMs across India.

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PRESENTED BY

NAME ROLL NO.MICHELLE D SA 17

SHWETA KANOJIA 35RISHI MOOLCHANDANI 50SIDHARTH NANDWANI 52

PRIYANKA RAIPANCHOLIA 55JAY RAMCHANDANI 56