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Amit Asati Kamalendra Parihar Priyank Jain Sudeep Bhardwaj

HDFC Bank was founded in 1994 and is among the first generation of new commercial banks in India. It is registered in Mumbai and promoted by HDFC, with which it shares a name. HDFC Bank has over 1700 branches across India and has experienced steady growth, becoming the second largest private bank. It focuses on expanding its market share through high quality customer service and innovative products.

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Priyank Jain
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52 views

Amit Asati Kamalendra Parihar Priyank Jain Sudeep Bhardwaj

HDFC Bank was founded in 1994 and is among the first generation of new commercial banks in India. It is registered in Mumbai and promoted by HDFC, with which it shares a name. HDFC Bank has over 1700 branches across India and has experienced steady growth, becoming the second largest private bank. It focuses on expanding its market share through high quality customer service and innovative products.

Uploaded by

Priyank Jain
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PPT, PDF, TXT or read online on Scribd
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Amit Asati

Kamalendra Parihar
Priyank Jain
Sudeep Bhardwaj
HDFC BANK…….
Housing Development Finance Corporation
Founded in 1977 by Hasmukh bhai Parakh
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)
Second largest private bank in India
Associate Companies….
Subsidiaries…….

HDFC Securities Limited


HDFC Financial services limited
Directors and Key Personnel…
Chairman : Chander Mohan Vasudev
Managing Director: Aditya Puri
Company Secretary: Sanjay Dongre

Director: Keki Mistry


Arvind Pande
Ashim Samanta
Pandit Palande

Executive Director: Harish Engineer


Paresh Sukthankar

Additional Director: Partho Datta


Executive Vice President: Sanjay Dongre
Board Committee……..
Audit and Compliance Committee
Compensation Committee
Investors' Grievance (SHARE) Committee
Risk Monitoring Committee
Credit Approval Committee
The Premises Committee
Nomination Committee
Fraud Monitoring Committee
Customer Service Committee
Business Strategy…..
Increasing market share in India’s expanding
banking.
Delivering high quality customer service.
Delivering more products to more customers.
Maintaining current high standards for asset quality
through disciplined credit risk management.
Develop innovative products and services that attract
targeted customers and address inefficiencies in the
Indian financial sector.
Areas of Operations…..
Treasury
Retail Banking
Wholesale Banking
Other Banking
operations
Segment Revenues…….
Capital Structure……

The authorized capital of HDFC Bank is Rs550 crore


(Rs5.5 billion)
The paid-up capital is Rs 459,69,07,030
 The HDFC Group holds 23.63% of the bank's equity
Roughly 27.45% of the equity is held by Foreign
Institutional Investors (FIIs)
About 17.05% of the equity is held by the ADS
Depository
Share holding……..
Housing Finance in India
Had vision for mortgage finance for housing, gave
birth to the Housing Development Finance
Corporation
To cater social need - promoting home ownership by
providing long-term finance
To enhance residential housing stock in the country
HDFC Bank to sell home-loans through customer-
friendly web ( OCT 10 )
Contd…
 Home loan

 Home Improvement loan

 Home Extension loan

 Short term bridging loan

 Land purchase loan

 Loans to Professionals for Non


Residential Premises Loan

 Home equity loans


Operational Strength ( Network )
 1725 branches
 4393 ATM’s in the country
 780 cities in India
 Extensive use of technology
 OneView services
 Email Statements
 Less queuing time
 Fast processing
 Customers in over 500 locations
are also serviced through
Telephone Banking.
Financial Results….
Total Income earned (Qr march 2010): 4956.7 Cr
Net revenues ( Q march 2010 ): 3254.9 Cr against 2966.7
Cr in March 2009
Net Interest Income for the Qr ended March 31, 2010 was
Rs 2351.4 Cr, up by 27% over the quarter ended March 31,
2009
For the quarter ended March 31, 2010, other income (non-
interest revenue) was Rs. 903.6 Cr
Profit 345.1 Cr on revaluation/sale of investments ( Loss
10% )
Bank earned a Net Profit of Rs. 836.6 Cr, an increase of
32.6% over the quarter ended March 31, 2009.
Contd..
The Bank’s total Capital Adequacy Ratio (CAR) as at
March 31, 2010 stood at 17.4% as against 15.7% as of
March 31, 2009 and against the regulatory minimum
of 9.0%.
Gross non-performing assets as on March 31, 2010
were at 1.43% of gross advances as against 1.98% as at
the end of the previous year.
Debt/Equity Ratio: 7.78
Dividend/share: Rs 12
Margin Trend…..
Improving Loan Growth…
Operating profit growth
NPA Trend….
CASA Trends….
Achievements….
 HDFC Bank merged with TIMES BANK in 2000.
 HDFC Bank merged with CENTURION BANK OF PUNJAB in 2007.
 Asian Banker Excellence Awards 2009
 Best retail bank in India (4th year in a row)
Excellence in automobile lending
 The Asset Triple A Awards
Best cash management bank in India
 Global Finance Award
 Best trade finance provider in India (2010)
 Wall Street Journal survey of Asia’s best 200 companies 2009
 Rated amongst India’s 10 most admired companies
 Rated 3rd in terms of Financial Reputation
Happenings….
HDFC Bank FY10 retail loan growth at 25 per cent
HDFC Bank today became the first lender to increase its
fixed deposit rates by up to 75 basis points after RBI
raised key short-term rates. ( July 28 )
Accept bank guarantees by HDFC Bank, SC tells govt
HDFC Bank to open 300 branches in 2009-10 ( Jul 19 )
HDFC Bank offers special rates to Govt employees ( Sept
19 )
ICICI, HDFC Bank set to sport 'foreign' label
Suggestions and Concerns
Rising Inflationary Pressure
Job prospects looking up
“W” shaped recovery pattern
Can leverage on their distribution network
Focus on the “Rural India”
Thank You

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