Hdfc bank ltd ppt

RAJAT SHARMAFDDI BUSINESS SCHOOL

INTRODUCTION

• HDFC was founded in 1977 by Hasmukh Bhai Parekh

• HDFC Bank was incorporated in August 1994

• It is the 5th Largest Bank in India by Assets

• It is the Largest Private Sector Bank in India by Market Capitalization

• Registered Office in Mumbai, India

• Promoted by HDFC, the Parent Company

• IPO in India in 1955

• Listed in BSE, NSE and NYSE (ADR)

• Type: Public Bank

• Industry : Banking, Insurance, Capital Markets and allied industries

• Products: Loans, Credit Cards, Savings, Investment, vehicles, Insurance etc

ANNUAL REPORT (2010-11): OVERVIEW

• MISSION :• Bank’s mission is to be ‘a World Class Indian Bank’ benchmarking itself

against international standards and best practices in terms of product offerings, technology, service levels, risk management and audit and compliance.

• The objective is to continue building sound customer franchises across distinct businesses so as to be a preferred provider of banking services for its target retail and wholesale customer segments.

• To achieve a healthy growth in profitability, consistent with the Bank’s risk appetite.

• Bank is committed to do this while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.

BUSINESS STRATEGY

• Develop innovative products and services that attract its targeted customers and address inefficiencies in the Indian Financial Sector

• Increase its market share in India’s expanding banking and financial services industry by following a disciplined growth strategy focusing on balancing quality and volume growth while delivering high quality customer service

• Leverage its technology platform and open scaleable systems to deliver more products to more customers and to control operating costs

• Maintain high standards for asset quality through disciplined credit risk management

• Continue to develop products and services that reduce its cost of funds

• Focus on healthy earnings growth with low volatility

FINANCIAL PERFORMANCE

• Net Profit: Rs 3,926 crore , an increase of 33% over the previous year

• Balance Sheet size: Rs 2,77,353 crore, an increase of 24.7% over the previous year

• Total Deposits: Rs 2,08,586 crore , an increase of 24.6% over the previous year

• Total Advances: Rs 1,59,983 crore , an increase of 27.1% over the previous year

• Capital Adequacy Ratio: 16.2% which is above the RBI norms of 9%

• Operating Expenses: Rs 7,153 crore , an increase of 20.4% over the previous year

• Foreign exchange and derivatives revenues: Rs 786 crore , an increase of 26.2% over the previous year

• Earnings per share increased from Rs 67.56 to Rs 85.02 per equity share, an increase of 25.7% over the previous year

PRODUCT PORTFOLIO

• Retail Banking : • Provides retail loans like auto loans, home loans, personal loans,

commercial vehicle loans, mortgages, business banking , loan against gold jewellery etc.

• Provides credit cards, debit cards, depository (custody services), investment advisory , bill payments.

• Provides Depository Products like Savings, Current and Fixed Deposits.

• Apart from its own products, the Bank distributes third party financial

products such as mutual funds and life and general insurance

PRODUCT PORTFOLIO

• Wholesale Banking : Commercial Banking :

• It covers a wide range of banking services covering their Working Capital, Term Finance, Trade Services, Cash Management, Foreign Exchange and Electronic Banking requirements, Letter of credit, Guarantee.

Transactional Banking :

• Cash Management, Custodial Services, Clearing Bank Services, Correspondent Banking, Tax Collection, Banker to Public Issue.

Key Segments :

• Large Corporation , Emerging Corporation , Financial Institutions , Government .

PRODUCT PORTFOLIO

• Treasury : Products offered :

• Foreign Exchange

• Debt Securities

• Derivatives

• Equity

Other Functions :

• Asset Liability Management

• Statutory Reserve Management

MARKET GEOGRAPHY

• Bank expanded its distribution network from 1,725 branches in 779 cities as on March 31, 2010 to 1,986 branches in 996 Indian cities on March 31, 2011.

• The Bank’s ATMs increased from 4,232 to 5,471 during the same period.

• Over 70% of the Bank’s branches opened outside the top nine Indian cities

• Caters to 21.9 million customers.

• An increase in ATM transactions by 14%

• Around 60% of its registered customers started using net banking facilities for their banking requirements.

• Bank started offering phone banking in 996 locations in addition to giving its customers the convenience of accessing their bank accounts over their mobile phones.

• Over 5 million credit cards came into force as at March 2011.

ANNUAL REPORT (2013-14): OVERVIEW

• BUSINESS PHILOSOPHY : 5 Core Values • Operational Excellence, Customer Focus, Product Leadership, People and

Sustainability

• The cardinal principles of independence, accountability, responsibility, transparency, fair and timely disclosures, etc. serve as the basis of the bank’s approach to corporate governance

• Bank also has a well documented Code of Ethics /Conduct Policy which defines the high business responsibility and ethical standards to be adhered to while conducting the business of the Bank and mandates compliance with legal and regulatory requirements.

FINANCIAL PERFORMANCE

• Net Profit: Rs 8,478 crore , an increase of 26% over the previous year

• Balance Sheet size: Rs 4,91,600 crore, an increase of 22.8% over the previous year

• Total Deposits: Rs 3,67,337 crore , an increase of 24% over the previous year

• Total Advances: Rs 3,03,000 crore , an increase of 26.4% over the previous year

• Capital Adequacy Ratio: 16.1%

• Operating Expenses: Rs 12,042 crore , an increase of 7.2% over the previous year

• Foreign exchange and derivatives revenues: Rs 1,401 crore , an increase of 38.7% over the previous year

• Earnings per share increased from Rs 28.5 to Rs 35.5 per equity share, an increase of 24.6% over the previous year

PRODUCT PORTFOLIO

NRI banking:• Accounts & Deposits

• Money Transfer

• Investments & Insurance

• Research Reports

• Payment Services

SME banking:• Accounts & Deposits

• Business Financing

• Trade Services

• Payments & Collections

• Cards

PRODUCT PORTFOLIO

• Travelers Cheque

• Credit Cards

• Home Loans

• Personal Loans

• Foreign Currency Cash

• Foreign Currency Demand Drafts

• Cheque Deposits

• Remittances

• Trade Services

• Mutual Funds

• Insurance

PRODUCT PORTFOLIO

PRODUCT PORTFOLIO

PRODUCT PORTFOLIO

MARKET GEOGRAPHY

• Bank expanded its distribution network from 3,062 branches in 1,845 cities / towns as on March 31, 2013 to 3,403 branches in 2,171 cities / towns as on March 31, 2014.

• Number of ATMs increased from 10,743 to 11,256 during the same year.

• Over 80% of the Bank’s new branches opened in semi-urban and rural areas.

• The Bank caters to 28.9 million customers.

• For local customers there are Hindi Mobile App, Hindi SMS Banking and a Toll Free number to carry out basic banking activities.

• Over 70% of new credit cards issued to internal customers.

• Bank currently has two overseas branches: a wholesale banking branch in Bahrain and a branch in Hong Kong.

• Bank also has three representative offices in Dubai, Abu Dhabi and Kenya.

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