INDIAN BANKING INDUSTRY

Financial Structure
Commercial banks
a. Public sector b. Private sector c. Foreign banks d. Cooperative institutions (i) Urban cooperative banks (ii) State cooperative banks (iii) Central cooperative banks

Financial institutions
a. All-India financial institutions (AIFIs) b. State financial corporations (SFCs) c. State industrial development corporations (SIDCs)

Nonbanking financial companies (NBFCs)

Capital market intermediaries

Magnitude Of BANK

Employment in Banks
Bank Group-Wise Distribution of Employees of Schedule Banks

Market Share of Bank

Share in Assets of Scheduled Commercial Banks

Technology in Banking

Key Player in Indian Banking Sector

Public sector banks
Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Ltd Indian Bank Indian Overseas bank
Oriental Bank of Commerce Punjab & Sindh Bank Punjab National Bank State Bank of India State Bank of Bikaner & Jaipur State Bank of Hyderabad State Bank of Indore State Bank of Mysore State Bank of Patiala State Bank of Travancore UCO Bank Syndicate Bank

Private banks
Axis Bank Bank of Rajasthan Catholic Syrian Bank City Union Bank Development Credit Bank Dhanalakshmi Bank Federal Bank HDFC Bank ICICI Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Karnataka Bank Karur Vysya Bank Kotak Mahindra Bank Lakshmi Vilas Bank Nainital Bank Ratnakar Bank SBI Comm& Intl Bank South Indian Bank Tamil Nadu Mercantile Bank Yes Bank

Foreign banks
The Royal Bank of Scotland Abu Dhabi Commercial Bank American Express Banking Corporation Antwerp Diamond Bank AB Bank Bank International Indonesia Bank of America Bank of Bahrain & Kuwait Bank of Ceylon Bank of Nova Scotia Bank of Tokyo Mitsubishi UFJ Barclays Bank BNP Paribas Calyon Bank Chinatrust Commercial Bank Citibank DBS Bank Deutsche Bank Hongkong & Shanghai Banking Corpn JP Morgan Chase Bank JSC VTB Bank Krung Thai Bank Mizuho Corporate Bank Mashreq Bank

Opportunity in Indian Banking Sector

Pension fund industry in India grew at a CAGR of 122.44% from 1999-00 to 2006-07. Rural and semi-urban India is expected to account for 58.33% of the insurance sector by 2010. Debit cards and Credit cards. Rural and semi-urban centers account for 66% of total bank branches.

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Overview of HDFC Bank

Housing Development Finance Cooperation Ltd. 1st Bank to receive an in principle approval from RBI.

Incorporated in August 1994,in the name of HDFC Bank Ltd.

1st Registered Office in Mumbai HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.
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Business Focus
MISSION : World Class Indian Bank. OBJECTIVE : Maintain Ethical Standards, Professional Integrity &Cooperate Governance. Business Philosophy : Based on 4 Core Values a) Operational Excellence b) Customer Focus c) Product Leadership d) People
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Wide Range of Products

Loan Products:

RETAIL V

BANKING

Depository Products - Auto Loans - Savings - Loans against Securities - Current - Personal Loans - Fixed Deposits - Credit Cards - 2-Wheeler Loans - Home Loans - Commercial Vehicles Finance

Other Products / Services: - POS Terminals - Debit Cards - Depository Accounts - Mutual Fund Sales - Insurance Sales - NRI Services - Bill Payment Services Key Segments: - Large corporate - Supply Chain - Emerging Coop - Financial Inst - Government

Wholesale Banking

Commercial Banking: - Working Capital - Credit Substitutes - Term Loans - Bill Collection - Forex & Derivatives - Wholesale Deposits - Letters of Credit - Guarantees

Transactional Banking: - Cash Management - Custodial Services - Clearing Bank Services - Correspondent Banking - Tax Collections - Banker to public issues

Products:

Other Functions:
- Asset Liability Management - Statutory Reserve Management

Treasury

- Foreign Exchange - Debt Securities -- Derivatives -- Equity

One Stop Shop to meet Diverse Customer Needs

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MERGER OF CBOP WITH HDFC BANK

CBoP = HDFC
On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was formally approved by RBI. Shareholders of CBoP received 1 share of HDFC Bank for every 29 shares of CBoP, valuing CBoP at INR 95bn. The balance sheet size of the combined entity would be over Rs. 1,63,000 crore.
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KEY PERSONS
CHAIRMANK.V. KAMATH

M.D. & CEOCHANDA KOCHHAR

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Perfection in Power VISION To be the leading provider of financial services in India & a global player. MISSION
We will leverage our people, technology, speed & financial capital to: 1. Be the banker of first choice for our customers by delivering high quality, world class products & services. 2. Expand the frontiers of our business globally. 3. Maintain high standards of governance & ethics.
4. Create value for our stake holders.
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VALUES

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HISTORY
Founded in 1955. Incorporated at the initiative of World Bank, GOI & Representatives of Industry. Objective was to provide financial assistance to Business projects. Earlier known as Industrial Credit & Investment Corporation of India.

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OVERVIEW
Offers a wide range of products & financial services.
ICICI BANK- Second largest bank. ICICI PRUDENTIAL- Largest private sector insurance company. ICICI LOBARD- Largest private sector general insurance company. ICICI SECURITIES- Largest equity house in the country. ICICI PRU AMC- Third largest mutual fund. ICICI VENTURE- One of the largest private equity firms.
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 Indias second largest bank.

Biggest private sector bank.

Introduced the concept of DSA & DST.

Focus on retail banking as a driver for growth. Introduced the concept of branding in Indian Banking Industry.
HQ BANDRA KURLA COMPLEX, MUMBAI
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MARKETING STRATEGY To make its presence more prominent

Focus on credit quality To create awareness about products through advertisement To maintain its brand of a global bank

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FUTURE PLANNING & CHALLENGES To revive growth after the sub-prime crisis
To increase its presence across India through mergers. To restore customers faith To maintain its brand & position of its subsidiaries

To capitalize on its strength i.e. maintain its place globally

To reduce the operating expenses, NPL &NPA.
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LAST 5 YEAR PERFORMANCE

350000
300000 250000 200000 150000 100000 50000 R&S Net Assets Loan Funds Rs. crore

0
2006 2007 2008 2009 2010
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LAST 5 YEAR PERFORMANCE

45000 40000 35000 30000 25000 20000 15000 10000 5000 0
2006 2007 2008 2009 2010
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Rs. crore

Income Expenses Profit

Strengths

Weakness

ICICI Bank
Threats
Opportunity

Conclusion

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