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Submitted by-
Amardeep Bhogal (04)
Narottam Kumar (33)Robin Manglani (46)
Venkatesh Kumar (60)
Vivek Singh (62)
PGDM II A
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Rupee Earnedcomm. Exch &Brokerage 15.25
other Intt.Income3.02
Fx & Derivative3.31
investment &
intt. 27.12
intt from fin.Advances 51.14
Others 0.15
Rupee Spend
Tax 6.22
Provision 14.58
Divindend & itsTax 3.27
Tranfr to
Reserves 5.37OperatingExp.30.27
Inttt Exp 39.75
Lets know some basic fundas
regarding any Bank in India
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Financial Year 2010
Revenue US$ 4.6 billionOperating income US$ 1 billionProfit US$ 688.47 million
Total assets US$ 39.723 billionTotal equity US$ 4.8 billionEmployees 51,888
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Existing
Organization
y One of the Big FourBanks of India.
y Second largest privateBank after ICICI
y Promoter-
Housing DevelopmentFinance Corporation
y Has its presence in 779Indian towns and cities
Mr. Deepak ParekhFounder, HDFC Bank
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Financial eputation
FY 2009
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M & A
In 2008 acquiredCenturion Bank of Punjab
I. Total branches moved to1,000+.
II. The amalgamated bankemerged with a base ofabout s. 1,22,000 cr.
III. The balance sheet size of
the combined entity ismore than
s. 1,63,000 cr.
In 2000Times Bank imited
was merged with C Bank td.1. 1st merger of two rivate banks
in India.
2. Shareholders of Times Bankreceived 1 share of C Bankfor 5.75 shares of Times Bank.
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We focus the philosophy based on:
1. Customer Focus,2. OperationalExcellence,
3. ProductLeadership and4. People.
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Our mission is to be "a World Class Indian Bank", benchmarkingourselves against international standards and best practices in terms ofproduct offerings, technology, service levels & risk management.
The vision is:To build sound customer franchises across distinct businessesTo be a preferred provider of banking services for target retail
and wholesale customer segments
To achieve a healthy growth in profitability, consistent withthe Bank's risk appetite.Ensure the highest levels of ethical standards, professional
integrity, corporate governance and regulatory compliance.
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y Increase our market share in India through adisciplined growth strategy focusing on quality and not
on quantityy Delivering high quality customer service.y Maintain our current high standards through
disciplined credit risk management.y Develop innovative products and services that attract
our targeted customers.y Continue to develop products and services that reduce
our cost of funds.y Focus on high earnings growth with low volatility.
Our
businessstrategy
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S. No. S denotes
in Japanese
S means
in EnglishS 1 Seiri Sort
S 2 Seiton Systematize
S
3Seiro Spic-N-Span
S 4 Seiketu Standardize
S 5 Skitsuke Sustain
Five S Part of Kaizen
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yHelped the Gujarat earthquake sufferers.
yHelped the weaker section by putting 51
livelihood projects.yHelps the Sir Shapur Ji Billimoria foundation.
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CSR
that HDFC
should performy Contribution to Education.
y Providing healthy drinking water facilities
(if possible in front of their own branches)yAbolishing the gap between the rich and poor by
becoming a bank for every citizen.
y Contribute to women education & employment.
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The Marketing Mix
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roduct
1. Personal Banking 2. NRI Bankingy Private Banking
y Accounts and Depositsy Credit, Debit and Pre-paid
Cards
y Investments and Insurance
y Forex and Trade Services
y Loans
y
Accounts and Depositsy Investments and Insurance
y Payment Services
y emittances
y Loans
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Wholesale
Banking Services
Government SectorSmall and MediumEnterprisesFinancialInstitutions & TrustsCorporate
Retail Banking
Services
World-class servicedelivered to customersthrough growing branch
network via alternativedelivery channels likeATMs Phone Banking NetBankingMobile Banking
Treasury
Foreign Exchangeand Derivatives
Local CurrencyMoneyMarketDebtSecurities, andEquities
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Lets Mention a FEW
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net intt.Income69
fee income23
forexincome 4
treasuryincome 3
otheroperating
income 1
Feeincome
Forexincomes
Treasury
etintt.
income
BCGMATRIX
NET EVENUE
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roduct
Where do we want to be???yA product within the reach of all customers.
yA bank which is
For the youthBy the youth
To the youth
yAn a/c which can be operated anytime anywherethroughout the world.
yAttaining maximum sales but not at the cost of theenvironment.
yA debit & a credit card in each individuals pocket.
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rice
y Providing installment schemes in Purchasing a cell phones.
y Loss leader Pricing
y
Special Event Pricing1. Silver Jubilee Special
2. BirthdaySpecial
y Fixed terms credits for natural persons or small tradingcompanies
y Penetrating the market
y On cost side.
y On revenue side.
How will we get there???
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roduct
y Line stretching.
y Reducing the minimum balance to be maintained by theuser in the savings account to less than 500.
y Introducing a zero balance scheme for the youth.
y Maximum balance that can be availed from an ATMmachine per day should be increased to 1 lac.
y Lowering the rate of interest charged on loans to
minimum.y A min. of15 days should be given to the users in case their
account has gone down from the min. balance limit.
y Quick issue of debit/credit card should be made.
How will we get there???
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SecurityDeveloping security checks in case the Debit/Credit card is
lost through
Tracking SystemPutting some chips that would help to get the location ofthe check.
Checking of unauthorized use of the cards throughbetter creative systems.
Avoiding hacking of bank accounts through employmentofBetter & expensive foreign technology.Getting excess to wrong usage
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rice
y s. 10k minimum
balance tomaintain a debitcard
yMarket Skimming
Pricing (Taking thecream)
y Cost plus profit
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rice
W
here do we want to be???Providing low interest loan schemes in order to be known asTHE HDFC bank.Calling at Customer Care centers should be made toll free.
A preferred choice when going for an NRI account.Internet Banking-saves on the customer & the BankLoan policy of bank has been reviewed and current RBIguidelines have been incorporated.Increase in the term loan exposure limit to infrastructure
sector to 15% from 10%.Operational guidelines on forward exchange contracts andderivatives.Policy for financing corporate.
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lace
Has its presence in 779
Indian towns and cities.
Has a countrywide
network of 1,725 Branches& 4,232 ATMs.
6 branches in Singapore.
4 branches in South-East.
BUT
Hasn't concentrated much
on the rural Region of the
country
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lace
W
here do we want to be???
Determined to accomplish the vision ofbecoming a
World-Class Indian Bank
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lace
y Opening new & maximum no. of branches worldwide.
y Going for tie-ups with other small banks in order to showits global presence.
y Opening branches in rural areas of India in order to reachthe masses.
y Putting up ATM machines throughout the world.
y Putting more ATM machines in major cities for ready
access.y Money transactions should be made at all possible
branches.
y Defense people should get access to ATMs at remote areas.
How will we get there???
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GeographicSegmentation
ural India
Urban India
est of the world
1.S
outh East2. European countries
3. The USA
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romotion We Understand yourWorld
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romotionWhere e a t t e???
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romotion
How will we get there???
1. Advertising through hoarding at theMetro stations in Delhi & other Metros.
2. Starting ATM machines at metrostations
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Ethics &
Values
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Marcomm:y An emotional appeal through our
advt.y Personal selling with a feel that
the schemes are beneficial to theusers.
y Creating such products that make
us the pioneer in that segment.y Launching products through
offers like:take loan of 10 lac & get a demat a/c
opened for F EE.y Launching new saving a/c
schemes for kids.y Keeping in view that promotion
should not be made at the costour ETHICS & CUSTOMESE VICES.
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eople
Mr.C. M. VasudevChairman, HDFC
Efficient top managementYoung and dynamic bank, with a youthful & enthusiastic team
BUTCustomer centric staff needs continuous training which can be inculcated
throughVestibule training processOn the job training processOff the job training process
Mr. Aditya PuriMD, HDFC
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hysical Evidence
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rocess
Depart ent C l r C ing
Welc eDesk Black
Pers nal Bankers Blue
Seller Yell
Relati nshipManager Green
Branch Manager Red
Dematacc unt Purple
Others White
Though we have a unique Color Coding Department-wise systemstill our objective remains continuous improvement because we wish to become
World-Class Indian Bank
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Awards & Recognitions
Forbes Asia-
FAB 50 COMPANIES -5TH YEAR IN A ROW
NDTV Business Leadership Awards 2010
BEST PRIVATE SECTOR BANK
FE-EVI Green Business Leadership Award-
BEST PERFORMER IN THE BANKING CATEGORY
Our MD Mr. Aditya Puri
ET BUSINESS LEADER OF THE YEAR 2010
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M
arketS
hare
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Branding
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Branding Strategies:
y Working towards being aWorld-Class Indian Bank
y Putting in efforts such that the Youth is Targeted
successfully.y Employee training would lead us as a brand.
Working more ingetting recognized
through its logo
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Branding could be achieved through
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ALL BANKING ISSUESSOLVED AT A CLICK!!!!!!!
1.Getting better access through mobileas well as internet technology.
2.Creating a banking solution to loans &
debit/credit issues.3.Developing brand image through
better Personal Selling.
Our suggestion
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Introducing a Brand Ambassador
B d i
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BudgetingAssume a budget of Rs. 200 crore
From the profit of around Rs. 2900cr.
CSR-Rs. 2 Cr.
Launching a branch in London & Washington D.C- Rs. 50 Cr.
Hoardings-Rs. 10 lac
Zero Balance Scheme in existing Main Branches
Rs. 38 Cr. 95 lac
TV Advertisement Rs. 15 lac
New ATM machines at Metro Stations Rs.70 lac
Cell-phone loan scheme Rs. 10 lac
Loan scheme @ min. interest rate Rs. 98 cr.
Brand Ambassador- Big B- Rs. 1 Cr.
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IT 22
Financial Services 33
banking 9
Telecom 8
FMCG 11
Consulting 9
ecruitment
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Saveney
ys!!!
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