1

By- INDRA MANI

TRIPATHI

HDFC
2

incorporated in August 1994

first to receive an 'in principle' approval
from the RBI
mission is to be a World Class Indian Bank
five core values: Operational Excellence,
Customer Focus, Product Leadership,
People and Sustainability.
Three key segments: Wholesale banking,
Treasury, Retail Banking

HDFC IN Nos.
3

The paid-up share capital of the Bank is Rs

501,29,90,634/- ( 2506495317 equity
shares of Rs. 2/- each)
HDFC Group holds 21.67 % of the Bank's
equity
32.57 % of the equity is held by Foreign
Institutional Investors (FIIs)
Shareholders of Times Bank received 1
share of HDFC Bank for every 5.75 shares of
Times Bank.

Awards
4

Wins NABARD Award

Bank of the year and Best Digital
Banking Initiative awards by Business
Today
HDFC Bank wins prestigious IBA Banking
Technology Awards
KPMG India's Best Banks 2015 Awards
Best Performing Bank : Atal Pension
Yojana Carnivals in Private Sector Banks

Industry Analysis
5

26 public sector banks, 20 private sector banks,

43 foreign banks, 56 regional rural banks, 1,589
urban cooperative banks and 93,550 rural
cooperative banks
banks have shown highest average growth of
12.9 per cent during FY0616
majority of the banks already meet capital
requirements of Basel-III
Focus has been shifted towards rural sector
Europe dominates the global banking industry
with 43% of total market share

Mission & Vision

6

Mission of HDFC Bank is to be a World Class Indian

Bank but the vision is not clearly defined.
ICICI Bank Vision- To be the leading provider of
financial services in India and a major global bank.
SBI Vision- My SBI , My Customer first, First in
customer satisfaction
The vision of HDFC Bank should be to provide
a healthy financial position

SWOT Analysis
7

Strengths

Weakness

Opportunities

S O Strategies
Strength: Large
Capital base.
Opportunity: Market
Expansion.
Strategy: Deep
Penetration into Rural
Market.

W O Strategies
Weakness: Workforce
Responsiveness.
Opportunity:
Outsourcing of Non
Core Business.
Strategy: Outsource
Customer Care & other
E-Helps.

Threats

S T Strategies
Strength: Low
operating costs
Threat: Increased
Competition from others
Pvt. Banks.
Strategy: Steps to
Ensure

W T Strategies
Weakness: Not Equal
to
International
Standards.
Threat: Entry of many
Foreign Banks.
Strategy: Consider

Competitive Profile Matrix

8

Key
Factor
s

HDFC Bank
Weigh Rating WAS
t

ICICI Bank

SBI

Rating WAS

Rating WAS

No. of
0.1
Branch
es

0.4

0.4

0.5

NPA

0.2

0.8

0.6

0.2

Busine
ss per
emplo
yee

0.3

0.9

1.2

0.6

Servic
es

0.3

1.2

1.2

0.6

Reven
ue

0.1

0.4

0.2

0.2

Total

1.0

3.7

3.6

2.1

SPACE Matrix
9

Financial Position (+7- Best, +1Worst)

1. HDFC banks 3 years CAGR (Total Deposit)
is 22.25%= +6
2. HDFC banks 3 years CAGR (Loans &
Advances) is 23.21%= +5
3. HDFC Banks net NPA (0.25%)= +7
4. HDFC banks capital adequacy (16.79%)=
+4
5. HDFC Banks ROA (1.73%)= +6
Average= +5.6

SPACE Matrix
10

Industry Position ( +7- Best, +1Worst)

1. Highly regulated by RBI= +5
2. Decreased competition due to license
approval from RBI (ease of entry)= +5
3. Growth Potential= +6
4. Profit Potential= +4
5. Resource Utilization= +6
Average= +5.2

SPACE Matrix
11

Stability Position ( -1= Best, -7=

Worst)
1. Political Stability= -1
2. Technological change= -6
3. Competitive Pressure= -4
4. Risk Involved= -5
5. Rate of Inflation= -2
Average= -3.6

SPACE Matrix
12

1.
2.

3.
4.
5.

Competitive Position (-1= Best, -7=

Worst)
Large customer base= -2
International banks are becoming
increasingly competitive= -4
NPAs of public sector banks= -1
Innovative Products= -2
Highest Capital Adequacy Ratios amongst all
banks= -2
Average= -2.2

SPACE Matrix
13

Strategy
14

Market Penetration
Product Development
Diversification