5. Introduction Overview
Wide Range of Services
To Banking
To HDFC Retail Banking
HDFC In Detail of our
Wholesale Banking
Treasury
Achievements
Capital Structure
project
Approach
Distribution Network
6. What is a bank?
A bank is a financial institution whose primary activity is
to act as a payment agent for customers and to
borrow and lend money.
Banks are important players in financial markets and
offer financial services such as investment funds.
In some countries such as GERMANY, banks are the
primary owners of industrial corporations .
While in other countries such as the UNITED
STATES banks are prohibited from owning non-financial
companies.
7.
8. Introduction
HDFC Bank began operations in 1995 with a simple
mission : to be a “ World Class Indian Bank.”
Their business philosophy is based on four core values -
Customer Focus, Operational Excellence, Product
Leadership and People.
They believe that the ultimate identity and success of
their bank will reside in the exceptional quality of their
people and their extraordinary efforts.
For this reason, they are committed to
hiring, developing, motivating and retaining the best
people in the industry.
10. BOARD OF DIRECTORS
Mr. Jagdish Kapoor , Chairman
Mr. Aditya Puri, Managing director
Keki Mistry, Managing Director
Mr. Harish Engineer, Executive directors
Mr. A Rajan, Country Head-Operations
Mr. Rahul Bhagat, Vice president
12. MISSION :
“World Class Indian Bank”.
OBJECTIVE :
Maintain Ethical Standards, Professional Integrity &
Cooperate Governance.
13. 13 Capital Structure
and
Shareholding Pattern
The authorized capital of HDFC Bank is Rs550
crore( Rs 5.5bn) Paid-up capital is Rs 424.6
crore (Rs 4.2 bn).
The HDFC Group holds 19.4% of the bank's
equity.
28% of the equity is held by FIIs.
11.86% is held by the General Public.
The Bank has about 570,000 shareholders.
The shares are listed on the BSE & NSE.
14.
15. Camel’s Approach
It is a method for evaluating bank
performance and healthy position of the
bank since it considers all areas of banking
operations.
Camel Means
C = “Capital Adequacy Ratio”
A= “Asset quality”
M= “Management quality”
E= “Earnings quality”
L= “Liquidity”
20. Distribution network
As on March
31, 2012
2,544 branches
and 8,913 1,986 branches
ATMs in 1,399 and 5,471 ATMs in
996 cities
As on March
31,2011
21. Net profit: 5,167 crore. An
increase of 31.6%
compared to the
previous year
Non Performing Assets: Balance sheet size:
1,999 crore (gross); 1.0% 337,909 crore as at 31st
of Gross Advances March 2012
Highlights
Total deposits: 246,706
crore. An increase of
Tier I capital ratio: 11.6%
18.3% compared to the
previous year
Capital Adequacy Ratio: Total advances: 195,420
16.5%. Regulatory crore. An increase of
minimum requirement is 22.2% compared to the
9% previous year
23. Flora’s
business
Bag makers prospers
achieve
success
A flower seller
expands her
business
Plantain
farming
thrives in
Kerala
Bebi’s Jari
making
enterprise
Sustainable
Livelihood Banking
grows
24.
25. Dun & Bradstreet
Banking Awards
2012
IDRBT Banking
ICAI Awards 2011 Technology
Excellence Awards
2011-12
Skoch foundation
Asia Money 2012
2012
2012
India's Top 500
5th Loyalty Summit Companies -Dun &
award Bradstreet
Corporate Awards
Asian Banker
International
Excellence in Retail Finance Asia
Financial Services
Awards 2012 UTI Mutual Fund
CNBC TV 18
Financial Advisor
Awards 2011
26. Outlook
Dun & Money Best
Bradstreet Bank
Banking Award Best Businessworld
Awards 2011 2011 Commercial Best Bank award
Vehicle
Financier
CNBC TV18's
Best Bank &
Financial
Institution
Awards
BCI Continuity &
Resilience
Award
IDC FIIA
Awards 2011
Financial Express
IBA Banking
2011 Best Bank Survey
2010-11
Technology
Awards 2010
ISACA 2011
Bloomberg award for IT
UTV's Financial Governance
Leadership
Awards 2011
IBA
Asian Productivity
Banker FINANCE DSCI Excellence
Euromoney Awards 2011
ASIA Excellence
Awards for
Country Awards 2011
Excellence
Awards
2011
2011: India
`` StrengthsSupport of various promotersKnowledge of Indian MarketRight strategy for right productHigh degree of customer satisfactionDedicated work force aiming at making long-term career in field Weaknessescustomer service staff needs trainingsectoral growth is constrained by low employment levels and competition for staffSome gaps in range for certain sectorsOpportunities - Growing Indian banking sector. - People are becoming more service oriented - In the global market. - profit margins will be goodThreatsFrom various competitors -Foreign banks -govt. banksFuture market trends.Lack of infrastructure in rural areas could constrain investment
Bebi’sJari making enterprise growsHailing from a small place in Varanasi called Macharahahaan, Bebi is known for her Jari work on sarees. She has been relying on her talent tomake sarees and sell them for a profit. A fourteen thousand rupee loan from HDFC Bank has helped her eliminate her dependency on middlemenfor raw materials. Bebi now buys her sequins and gold and silver thread directly from wholesalers, improving her product as well as her qualityof life.Plantain farming thrives in KeralaChaitanyaKudumbasree is a Self Help Group in Pandalam, Kerala. Comprising only of women, this group has improved the local agricultureindustry in Kerala by investing in organised plantain farming. Taking a loan of one and a half lac rupees from the Bank, they have used themoney to first lease appropriate farm land and then buy and plant plantain trees. Today, this group benefits from their farming venture sinceplantains are in high demand in the region. They now look forward to the additional income of thirty five thousand rupees that will be generatedevery year which they plan to re-invest in the plantain farm.A flower seller expands her businessSunita has been making and selling garlands outside the ShirdiSai Ram temple in Wardha, Maharashtra. Using her HDFC Bank loan, she nowmakes floral arrangements as well, which has helped attract a new customer segment and increase profits. Her daily income has increased bythirty percent as a result.Bag makers achieve successMembers of Self Help Group, Chand Jan Sambal, make a living from manufacturing bags made of fiber in Alwar, Rajasthan. A two lac rupee loanfrom HDFC Bank enabled them to sell their bags in bulk at the local market at Alwar. Proceeds from the sale are distributed to all members.Each of the ten members now earns almost three thousand rupees as pure profit every month.Flora’s business prospersFlora, a resident of Margao, runs a fruit and vegetable stall promoted by the Goa State Horticulture Corporation. A loan of ten thousand rupeesfrom HDFC Bank has helped her hold more stock at her stall. Flora’s daily income has increased by ten percent as a result.
