Competitive Intelligence of Hdfc Final

7/29/2019 Competitive Intelligence of Hdfc Final

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CompetitiveIntelligence of

Credits

Deepanshu WadhwaMedhavi Verma

Priyanka Sharma

Souparna Chakrobarty

Madhav Sharma


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About

Housing Development Finance Corporation Limited Amongst the first to receive an In Principle approval from the

Reserve Bank of India.

Incorporated in August 1994 , Mumbai Commenced operations as commercial Bank in January,1995. HDFC began with a simple mission to be World Class Indian

Bank .

Source: www.hdfcbank.com, www.moneycontrol.com
http://www.hdfcbank.com/http://www.hdfcbank.com/


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Why is :

Top Private Bank in India

Unique


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Top Private Bankin India

No. 1 in market capitalization, that is, Rs.1,57,357.97 crores Coverage of 2,776 branches and 10,490 ATMs in 1568 cities. Network of Skilled Professionals including :

- Research Analyst- Portfolio Managers and

- Product specialists Advisors helps a client to realize

wealth opportunities via:- Investment options- Financial Instruments

Quality Control at every step on salesprocess as well as on the adviceprovided to clients.



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Uniqueness 2nd Largest Private sector Bank , its basic focus is to provide quality services.

Tailor made Private Banking services , which are:

Profiling

Ascertain

investor profile

Understanding

goals

Risk tolerance

Asset Allocation

Proportion of

investment in

each asset class .

Helps in reducingthe overall risk of

a portfolio


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DiagrammaticComparison

0

5

10

15

20

25

30

35

40

45

50

Total assets Total investments

HDFC

AXIS


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Financial Stability of HDFC

HDFC Bank, India's No.3 lender, beat forecasts with a 30.6 percent rise inquarterly profit.Mumbai-based HDFC Bank said on Friday,ie. 25th january2013, its net profit was 14.17 billion rupees ($253.62 million) in the fiscal firstquarter-ended June.

Axis Bank's net profit for the quarter ended June 2012 grew to Rs 1153 crore, up 22per cent, against a net profit of Rs 942.4 crore Year-on-Year (YoY). The net profitwas in line with an ET Now poll of Rs 1140.3 crore.


Private sector lender, IndusInd Bank posted a 30 per cent jump in netprofit during the third quarter of the financial year.Net profit for thequarter was Rs 267.27 crore as against Rs 205.96 crore in thecorresponding quarter of the previous year.


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BriefComparison

No. of employees 66 m 32mAvg. net profit/employee 794.1 Rs.m 1,329.6Rs.m

Net Sales 276,056Rs.m 219,949Rs.mTotal revenues 330,580Rs.m 274,821Rs.mGross profit 260,845Rs.m 208,534Rs.mProfit after tax 52,471Rs.m 42,198RS.m

Current assets 1,988,375Rs.m 1,697,595Rs.m

Share capital 4,693Rs.m 4,132Rs.mDebt to equity ratio 0.9 % 1.5 %Return on assets 1.7 % 1.68 %Return on equity 18.7% 21.22%EPS 22.1 102.94


Category HDFC Bank AXIS Bank


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ComparativeAdvantage

Both HDFC Bank and ICICI are great banks but an investor I would preferHDFC BANK because :-

ICICI has been diluting equity. The Net profit growth looks good but the EPSgrowth has not been all that great.

HDFC Bank has an unmatched track record of growing at 30% for the last 10years while ICICI has seen some swings in growth. On a price to add book basis ICICI trades at 2 times while HDFC Bank trades at4.5 times.HDFC bank has a niche market whereas ICICI is all over the place. In times ofsluggish demand ICICI will face the heat because it cannot beat the market it is

itself the market.



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HDFC BankGrowth Chart


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Achievements

HDFC Bank wins the Asian Banker Best Retail Bank in IndiaAward 2008 for outstanding performance.HDFC Bank chosen as one of Asia Pacifics best 50

companies by Forbes magazine 2012.'Best Bank in the Private Sector 2008.'HDFC Bank ties up with Qatar National Bank.HDFC Bank merged with CENTURION BANK OF PUNJAB in2007.



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Notable achievements

HDFC follows the model of a sound corporate governance

The bank was amongst the first four companies, whichsubjected itself to a Corporate Governance and Value Creation

(GVC) rating by CRISIL

A very sound and effective risk management system in placeto create a less risk assets portfolio.

Uses Neural Technologies for risk management in its CreditCards and other Retail Assets portfolios



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Sources

moneycontrol.com

Googlescholar.com

http://www.hdfcbank.com/htdocs/common/pdf/corporate/HDB_Annual_Report11_12.pdf

http://www.moneycontrol.com/stocks/stock_market/corp_notices.php?autono=604937
http://www.hdfcbank.com/htdocs/common/pdf/corporate/HDB_Annual_Report11_12.pdfhttp://www.hdfcbank.com/htdocs/common/pdf/corporate/HDB_Annual_Report11_12.pdfhttp://www.hdfcbank.com/htdocs/common/pdf/corporate/HDB_Annual_Report11_12.pdfhttp://www.hdfcbank.com/htdocs/common/pdf/corporate/HDB_Annual_Report11_12.pdf


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ThankYou

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Competitive Intelligence of Hdfc Final