Hdfc bank ltd

HDFC BANK

DETAILS OF OWNERDIRECTORS (HDFC BANK)

MRS. SHYAMALA GOPINATH

• MR. ADITYA PURI• MR. KEKI MISTRY• MRS. RENU KARNAD• MR. PARTHO DATTAADITYA PURI NAMED IN LIST OF TOP 30 GLOBAL CEO’S

MRS. SHYAMALAACHIEVEMENT• SERVED AS DEPUTY

GOVERNOR OF RBI GUIDING & INFLUENCING NATIONAL POLICIES

HDFC BANK (SUBSIDARY OF HDFC LTD.)COMPANY OVERVIEW

HDFC BANK

• HDFC LTD. HOLDS APPR. 22.8% SHARES OF HDFC BANK.HDFC BANK SOURCES HOME

LOANS TO HDFC LTD. FOR FEEWHOLESALE AND RETAIL

BANKING AND TREASURY OPERATIONS

• HDFC BANK MARKET CAP IS

273246.16 CRORE AS ON OCT 12 2015.

• MARKET CAP OF HDFC LTD. IS 199650.05 CRORE RUPEES

• HDFC BANK IS STRONGEST BANK IN INDIA IN ASIAN BANKER 500

• BEST CASH MANAGEMENT BANK IN INDIA

• BEST IN TREASURY AND WORKING CAPITAL –SME’S

ABOVE WERE SOME OF THE ACHIEVEMENTS OF HDFC BANK

OPERATIONS

PRODUCTS

• ACCOUNTS & DEPOSIT• LOANS• CARDS• DEMAT• INVESTMENTS• INSURANCE• FOREX• PREMIER BANKING• PRIVATE BANKING

WAYS TO BANK

• BANK ONLINE• BANK WITH YOUR PHONE• BANK WITH YOUR WATCH• BANK IN PERSON

BANKING NETWORKBRANCHES

• BIG NETWORK OF MORE THAN 4014 BRANCHES, 11766 ATM’S

NRI BANKING

• DUBAI• BAHRAIN• ABUDHABI• KENYA • HONGKONG

BANKING FACILITIES

•REMIT MONEY FROM ANYWHERE•BANKING WITHOUT VISITING THE BRANCH

HDFC BANK HAS TWO SUBSIDARIES• HDFC FINANCIAL SERVICES LTD.(HDBFS)

ENGAGED IN RETAIL ASSET FINANCING

GIVES LOANS TO INDIVIDUALS, MICRO, SMALL AND MEDIUM BUSINESS ENTERPRISE

RUNS COLLECTION CENTERHDFC BANK HOLDS 97.4%

SHARES IN HDBFS

• HDFC SECURITIES LTD. (HSL)ENGAGED IN STOCK BROKING

HDFC BANK HAS 62.1% SHAREHOLDING IN HSL TURNOVER ABOVE 2.3 BILLION RUPEES.

PROFIT AFTER TAX OF 668 MILLION RUPEES IN

2012-13

VISION OF THE COMPANY

HDFC Bank's vision is to be "a World Class Indian Bank", benchmarking ourselves against international standards

and best practices in terms of product offerings, technology, service levels, risk management and audit &

compliance.

CORE VALUES PHILOSOPHY

HDFC Bank's business philosophy is based on five CORE VALUES•Customer Focus•Operational Excellence•Product Leadership•People•Sustainability

STRATEGIES OF THE COMPANYHDFC BANK

BUSIENSS STRATEGIES• FOCUSING ON QUALITY & NOT

ON QUANTITY• DELIVERING HIGH QUALITY

CUSTOMER SERVICE• DEVELOP INNOVATIVE

PRODUCTS AND SERVICE THAT ATTRACTS TARGETED CUSTOMERS

• CONTINUE TO DEVELOP PRODUCTS & SERVICES THAT REDUCE BANK COST OF FUND

FOCUS ON HIGH EARNING GROWTH WITH LOW VOLATILITY

CUSTOMER RETENTION STRATEGY• PROVIDING ONE-STOP

WINDOW FOR ALL HIS/HER BANKING REQUIREMENTS BY PROVIDING FULL RANGE OF FINANCIAL PRODUCTS AND BANKING SERVICES TO TARGET MARKET CUSTOMERS

• HDFC BANK WAS THE FIRST BANK IN INDIA TO LAUNCH AN INTERNATIONAL DEBIT CARD IN ASSOCIATION WITH VISA

SCENARIOGOOD MARKETING OPPORTUNITIES

• GOOD MARKETING OPPORTUNITIES

• EXPANDING WORK GLOBALLY• RECRUTING GOOD STAFF• CONSTANTLY INNOVATING

AND IMPROVING THE SERUVICES

• LONG TERM BENEFIT OF BANKING SECTOR

• EVER GROWING BANKING INDUSTRY

• COVERING VILLAGES AND LESS INCOME GROUP PEOPLE

• CONSTANTLY IMPROVING PERFORMANCE TO MATCH THE CUSTOMER AND ECONOMY DEMAND

HDFC BANK WAS INCORPORATED IN 1994 IN MUMBAI, MAHARASHRTA

MR. PARESH SUKTANKAR, DEPUTY MANAGING DIRECTOR, HDFC BANK RECEIVED THE D & B CORPORATE AWARD IN 2014.

Shareholders (as of 30-September-2013)Shareholding[27]Promoter Group (HDFC) 22.72%Foreign Institutional Investors (FII)

33.61%Individual shareholders 08.43%Bodies Corporate 08.01%Insurance companies 05.38%Mutual Funds/UTI 04.34%NRI/OCB/Others 00.40%Financial Institutions/Banks 00.09%ADS/GDRs 17.02%Total 100.0%

SHARE HOLDING DATA

SCENARIO OF THE BANK IN NEAR FUTURE

• WITH TECHNOLOGY AND INNOVATIONS HDFC BANK TENDS TO BE THE BEST ALTERNATIVE FOR BANKING. HDFC HAS LATEST DESIGNED PRODUCTS AND CAN RULE THE INDIAN MARKET IN NEAR FUTURE

The bank, which had 68,165 employees at the end of March, aims to re-hire as many as 3,000 former employees over the next 12-18 months.

HDFC STAFF

SWOT ANALYSIS (STRENGTHS) • HDFC bank has the high degree

of customer satisfaction when compared to other private banks

• The attrition rate in HDFC is low and it is one of the best places to work in private banking sector

• HDFC has lots of awards and recognition, it has received ‘Best Bank’ award from various financial rating institutions like Dun and Bradstreet, Financial express, Euromoney awards for excellence, Finance Asia country awards etc

• HDFC has good financial advisors in terms of guiding customers towards right investments 

• HDFC bank is the second largest private banking sector in India having 2,201 branches and 7,110 ATM’s

• HDFC bank is located in 1,174 cities in India and has more than 800 locations to serve customers through Telephone banking

• The bank’s ATM card is compatible with all domestic and international Visa/Master card, Visa Electron/ Maestro, Plus/cirus and American Express. This is one reason for HDFC cards to be the most preferred card for shopping and online transactions

SWOT ANALYSIS (CONTD.)WEAKNESS

• DOESN’T HAVE STRONG RESPONSE IN RURAL AREAS.

• HDFC lacks in aggressive marketing strategies like ICICI

• The bank focuses mostly on high end clients

• The share prices of HDFC are often fluctuating causing uncertainty for the investors

OPPURTUNITIES• HDFC bank has better asset quality

parameters over government banks, hence the profit growth is likely to increase

• The companies in large and SME are growing at very fast pace. HDFC has good reputation in terms of maintaining corporate salary accounts

• HDFC bank has improved it’s bad debts portfolio and the recovery of bad debts are high when compared to government banks

• HDFC has very good opportunities in abroad

• Greater scope for acquisitions and strategic alliances due to strong financial position

SWOT ANALYSIS (THREATS)•HDFC’s nonperforming assets (NPA) increased from 0.18 % to 0.20%. Though it is a slight variation it’s not a good sign for the financial health of the bank

•The non banking financial companies and new age banks are increasing in India

•The HDFC is not able to expand its market share as ICICI imposes major threat

•The government banks are trying to modernize to compete with private banks

•RBI has opened up to 74% for  foreign banks to invest in Indian market

FINANCIAL DETAILS•Schedules to the Financial Statements•As at March 31, 2015•` in ‘000•As at As at•31-Mar-15 31-Mar-14•SCHEDULE 1 - CAPITAL•Authorised capital•2,75,00,00,000 (31 March, 2014 : 2,75,00,00,000) Equity Shares of ` 2/- each 5,500,000 5,500,000

•Issued, subscribed and paid-up capital•2,50,64,95,317 (31 March, 2014 : 2,39,90,50,435) Equity Shares of ` 2/- each 5,012,991 4,798,101

FINANCIAL DETAILS CONTINUED

• SCHEDULE 2 - RESERVES AND SURPLUS• I Statutory reserve• Opening balance 91,104,424 69,908,483• Additions during the year 25,539,798 21,195,941• Total 116,644,222 91,104,424• II General reserve• Opening balance 34,607,377 26,129,001• Additions during the year 10,215,919 8,478,376• Total 44,823,296 34,607,377• III Balance in profit and loss account 186,277,944 146,541,532• IV Share premium account• Opening balance 142,564,095 135,148,961• Additions during the year 108,477,413 7,415,134• Deductions during the year [Refer Schedule 18 (1)] (1,510,276) -• Total 249,531,232 142,564,095

ACCOUNTING POLICIES•THE FINANCIAL STATEMENTS HAVE BEEN PREPARED AND PRESENTED UNDER THE HISTORICAL COST CONVENTION AND ACCRUAL BASIS OF ACCOUNTING. UNLESS OTHERWISE STATED AND ARE IN ACCORDANCE WITH THE GENERALLY ACCEPTED ACCOUNTING PRINCIPLES IN INDIA, STATUTORY REEQUIREMENTS PRESCRIBED IN BANKING REGULATION ACT 1949, CIRCULARS AND GUIDELINES ISSUED BY RBI FROM TIME TO TIME, ACCOUNTING STANDARD SPECIFIED IN COMPANIES ACT AND CURRENT PRACTICES PREVAILING WITHIN THE BANKING INDUSTRY PREVAILING IN INDIA.

PROFIT & LOSS ACCOUNT (IN CR.)INCOME AMT.RS.PS. EXPENSES AMT.RS.PS.INTEREST EARNEDOTHER INCOME

48469.908996.35

INTEREST EXPENDEDEMPLOYEE COSTSELLING, MISC. & ADM. EXP.DEPRECIATIONOPERATING EXPENSEPROVISION & CONTINGENCIESNET PROFIT

26704.244750.96

15768.85656.30

13987.85

7188.5614654.15

TOTAL INCOME 57466.25 TOTAL EXPENSE 57466.25

BALANCESHEET (RS. IN CRORE)LIABILITIES AMT.RS.PS. ASSETS AMT.RS.PS.

TOTAL SHARE CAPITALEQUITY SHARE CAPITALSHARE APPLICATION MONEYPREFRENCE SHARE CAPITALRESERVESNET WORTHDEPSOITSBORROWINGSTOTAL DEBTOTHER LIABILITIY & PROVISION

501.30501.30

0.000.00

61508.1262009.42

450795.6445213.56

496009.20

32484.46

CASH & BALANCES WITH RBIBALANCES WITH BANKADVANCESINVESTMENTSGROSS BLOCKREVALUATION RESERVESACCUMLATED DEPRECIATI.NET BLOCKCAPITAL WORK IN PROGREOTHER ASSETS

27510.458821.00

365495.03166459.95

3121.730.000.00

3121.730.00

19094.91

TOTAL LIABILITIES 590503.80 TOTAL ASSETS 590503.07

PRESENTED BY KETAN SHAH

THANK YOUFOR VALUABLE

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