We Understand Your World

HDFC BANK

INTRODUCTION
HDFC Bank was incorporated in August 1994 Among the first in new generation commercial banks Registered office in Mumbai, India Promoted by HDFC, the parent company IPO in India in 1995 Listed in NSE, BSE, NYSE (ADR)

VISION
Increase market share in Indias banking sector Leverage technology platform Maintain standards for asset quality Focus on high earnings growth with low volatility Develop innovative products and services

MISSION
mission 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.

VALUES
Our business philosophy is based on four core values
Customer Focus, Operational Excellence, Product Leadership and People.

STRENGTH
Large share of low-cost deposits, higher net interest margin Better quality of assets, NPA of 0.4 per cent Free float available, FIIs can buy its stock Higher profitability

weakness
Marginal international presence No next line of leadership Not very aggressive in M&A space, growing only organically Possible takeover target

Opportunity
Growing Indian banking sector People are becoming more service oriented In the global market.

Threats
From various competitors - Foreign Banks - Government Banks Future market trends

PEST
POLITICAL FACTORS
Government Regulation

Stable constituency

Fiscal policy

 ECONOMIC FACTORS:
Market performance Global Standards Inflation

SOCIAL FACTORS
Community initiatives
Income

Technology factors
This is the era of information technology and due to net banking, online transaction, online RTGS, clearing system helps the industry a lot.

Marketing Advertising Marketing automation technology Business ki baatein Branding emotional bond treat consumers with grace, trust and professional service Sales support Subsidiaries

Sales Multi-channel managment award for atm solutions and management along with NCR The asian banker technology award

Market expansion Rural markets Global markets(bahrain)

Product Product offering It includes these services: Saving accounts. Current accounts. Fix deposits. Demat account. Safe deposits lockers. Product expansion: different kinds of laons,different kind of credit cards etc.

Transaction Payment services:netsafe,visa money transfer,merchant services etc. Clearing Settlements

Technological development automated customer data de-duplication and real-time scoring in its loan origination process. introduced faster ATMs which enabled the customer a faster servicing experience by through the use of advanced technology Sophisticated automated switch-over and switch-back solutions

Human resources Total number of employees is approximately 51388 as of march 2010 training is done through external as well as internal faculty

Infrastructure: It has the best IT infrastructure. It has approximately more than 4000 branches all over the country.

Risk management guidelines The identification, measurement, monitoring and management of risks accordingly remain a key focus area for the Bank. Basel II norms carried out Credit risk is of two types :retail and wholesale

PORTERS FIVE FORCES

Competitors size
Last Price Market Cap.
(Rs. cr.)

Net Interest Income

Net Profit

Total Assets

ICICI Bank HDFC Bank Axis Bank Kotak Mahindra YES BANK IndusInd Bank Federal Bank JK Bank ING Vysya Bank Karur Vysya

976.40 2,087.55 1,328.20 829.30 321.00 223.75 330.20 875.05 344.80 608.70

108,913.39 95,962.73 54,184.44 30,303.99 10,946.75 9,197.47 5,644.58 4,242.05 4,139.22 3,313.49

25,706.93 16,172.91 11,638.02 3,255.62 2,369.71 2,706.99 3,673.23 3,056.88 2,232.90 1,757.94

4,024.98 2,948.69 2,514.53 561.11 477.74 350.31 464.55 512.38 242.22 336.03

363,399.71 183,270.78 180,647.87 37,436.31 36,382.50 35,369.52 38,850.88 42,546.80 33,880.24 21,993

Strategy deploid by HDFC Bank

Merger with other banks Acquisition strategy Customer retention strategy.

Views as a manager
We think that the infrastructure of hdfc bank should be inproved so as to match upto icici bank. We dont think there are any flaws to be corrected in hdfc bank.

THANKS