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INTRODUCTION
§ 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)
ISION
§ Increase market share in India¶s banking sector

§ Leverage technology platform

§ Maintain standards for asset quality

§ Focus on high earnings growth with low volatility

§ Develop innovative products and services

MISSION
§ mission is to be "a World Class Indian
Bank³

§ benchmarking ourselves against:

international standards and
best practices in terms of product offerings,
technology, service levels, risk management
and audit & compliance.
ALUES
§ Our business philosophy is based on
four core values ±
§ m

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§  

 and
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STRENGTH
§ Large share of low-cost deposits,
higher net interest margin
Better quality of assets, NPA of 0.4
per cent
Free float available, FIIs can buy its
stock
Higher profitability
weakness
§ Marginal international presence
No next line of leadership
Not very aggressive in M&A space,
growing only organically
Possible takeover target
Opportunity
§ Growing Indian banking sector
§ People are becoming more service
oriented
§ In the global market.
Threats
§ From various competitors
- Foreign Banks
- Government Banks
§ Future market trends
PEST
§ POLITICAL FACTORS

Government Regulation

Stable constituency

Fiscal policy
§ ECONOMIC FACTORS:

Market performance

Global Standards

Inflation
SOCIAL FACTORS
§ Community initiatives

§ Income
Technology factors
This is the era of information technology
and due to net banking, online
transaction, online RTGS, clearing
system helps the industry a lot.
Marketing Sales
ßAdvertising ßMulti-channel managment
Marketing automation award for atm solutions and
technology management along with NCR
Business ki baatein The asian banker technology
ßBranding award
ßConsumers connected
emotionally with the brand, ßMarket expansion
as it hadhelped them buy Rural markets
homes Global markets(bahrain)
l While they had lent money,
they treated consumers with
grace, trust and professional
service
ßSales support
Subsidiaries
Product Transaction
ßProduct offering ßPayment services:netsafe,visa
It includes these services: - money transfer,merchant
· Saving accounts. services etc.
· Current accounts. ßClearing
· Fix deposits. ßSettlements
· Demat account.
· Safe deposits lockers.

ßProduct expansion: different

kinds of laons,different kind of
credit cards etc.
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Infrastructure Risk management guidelines

The identification, measurement, monitoring and
management of risks accordingly remain a key
focus area for the Bank.

Basel II norms carried out

Credit risk is of two types :retail and wholesale

PORTERS FIE FORCES
 Competitors size


 
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 976.40 108,913.39 25,706.93 4,024.98 363,399.71

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 2,087.55 95,962.73 16,172.91 2,948.69 183,270.78


*
 1,328.20 54,184.44 11,638.02 2,514.53 180,647.87

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829.30 30,303.99 3,255.62 561.11 37,436.31

-*(, 321.00 10,946.75 2,369.71 477.74 36,382.50

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)*
 223.75 9,197.47 2,706.99 350.31 35,369.52


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 330.20 5,644.58 3,673.23 464.55 38,850.88

.,*
 875.05 4,242.05 3,056.88 512.38 42,546.80

)(/0

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 344.80 4,139.22 2,232.90 242.22 33,880.24

,
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608.70 3,313.49 1,757.94 336.03 21,993
Strategy deploid by HDFC Bank
§ Merger with other banks
§ Acquisition strategy
§ Customer retention strategy.
iews as a manager