Project Presentation On HDFC Bank

HDFC Bank Ltd is a major Indian financial services company based in Mumbai. The Bank is a publicly held banking company engaged in providing a wide range of banking and financial services including commercial banking and treasury operations. The Bank at present has an enviable network of 1,725 branches spread in 780 cities across India. They also have one overseas branch in Bahrain and two representative offices in UAE and Kenya

HDFC Bank Ltd Was incorporated on August 30, 1994 by Housing Development Finance Corporation Ltd. In the year 1994, Housing Development Finance Corporation Ltd was amongst the first to receive an 'in principle' approval from the Reserve Bank of India to set up a bank in the private sector, as part of the RBI's liberalization of the Indian Banking Industry.

HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. In the year 1996, the Bank was appointed as the clearing bank by the NSCCL. In the year 1997, the launched retail investment advisory services. In the year 1998, they launched their first retail lending product, Loans against Shares. In the year 1999, the Bank launched online, real-time NetBanking. In February 2000, Times Bank Ltd, owned by Bennett, Coleman & Co. / Times Group amalgamated with the Bank Ltd.

HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of 2000 branches spread in 996 cities across India. All branches are linked on an online real-time basis. Customers in over 500 locations are also serviced through Telephone Banking. The Bank's expansion plans take into account the need to have a presence in all major industrial and commercial centres where its corporate customers are located as well as the need to build a strong retail customer base for both deposits and loan products. Being a clearing/settlement bank to various leading stock exchanges, the Bank has branches in the centres where the NSE/BSE has a strong and active member base.

The Bank also has 6,369 networked ATMs across these cities. Moreover, HDFC Bank's ATM network can be accessed by all domestic and international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholders.

HDFC Bank offers various channels for handling payment requirements by Mutual Funds. HDFC Bank has developed various products to meet the requirements of timely payments made by Mutual Funds i.e redemption payments, dividend distribution, brokerage payments etc.

Bulk Disbursements: HDFC Bank has the ability to provide a large number of drafts in a short time at very competitive rates. The bank provides demand drafts payable at its locations and various locations of its correspondent banks. High Value Payout: HDFC Bank offers the facilities of issuing pay orders at specified HDFC Bank locations for Liquid Schemes of Mutual Funds. Direct Credits: HDFC Bank offers facility for directly crediting dividend/redemption proceeds to the accounts of investors of Mutual Funds having an account with HDFC Bank.

1.THE INDUSTRY ENVIRONMENT In this section we will discuss about the history of banking industry means development stages of banking industry and global / local market description means size of major market ,products ,customers and users and pricing structure .means a brief introduction about the industry. And then we will discuss about the competitive environment and discuss the strategies of the industry and then discuss the macro environment of the industry.

The first bank were the merchants of the ancient world that made loans to farmers and traders that carried goods between cities. The first records of such activity dates back to around 2000 BC in Assyria and Babylonia. Later in ancient Greece and during the Roman Empire lenders based in temples would make loans but also added two important i nnovations: accepted deposits and changing money. During this period there is similar evidence of the independent development of lending of money in ancient China and separately in ancient India.

Banking in the modern sense of the word can be traced to medieval and early Renaissance Italy, to the rich cities in the north like Florence, Venice and Genoa. The Bardi and Peruzzi families dominated banking in 14th century Florence, establishing branches in many other parts of Europe. Perhaps the most famous Italian bank was the Medici bank, set up by Giovanni Medici in 1397.

For many people, the first financial institution they deal with, and the one they use most often, is a bank or credit union. Thats because banks and credit unionsprovide a safe and convenient way to pay your bills and accumulate savings, as well as other services that can help you to manage your money. Banks offer two main products:

1. Transaction accounts, better known as checking accounts, which allow you to transfer money by check or electronic payment to a person or organization that you designate as payee 2. Deposit accounts, also known as savings accounts, which pay interest on your money in those accounts In most banks, you can transfer cash electronically from your transaction account to your savings account, and vice versa. Banks also provide other important services. For example, you can purchase guaranteed bank checks, sometimes called cashiers checks, which ensure the payee that the funds needed to cover the check are available. Some providers of goods and services require guaranteed bank checks to limit their risk of nonpayment. If you need a signature guarantee on an application or other official document, your bank will normally provide one. And, in most cases, banks are also the place you go to borrow money when you need it, through lines of credit and loans.

 Transaction Accounts

Checking accounts allow you to handle a number of

different financial transactions that it would be difficult to manage otherwise. You can write paper checks, specifying the amount you're paying and to whom. Or, with an online account you can transfer money electronically, either as an online bill payment or using a debit card. If you need cash, you can cash a check at a teller window in one of your banks branches or use an ATM.

Saving on a regular basis is often your first step toward reaching bigger financial goals, such as buying a home or having enough money to live comfortably in retirement. But savings are also important for meeting unexpected expenses, such as car repairs or replacing a major appliance, or dealing with an emergency.

International Remittances An increasing number of banks offer international remittance accounts for people who want to be able to transfer money home to relatives or friends who still live in their native countries. These accounts make it easy to handle cross-border transactions without the risk of sending cash or the expense of using nonbank transfer agents such as Western Union, MoneyGram, or their competitors.

Beyond Banking In addition to checking and savings accounts, your local bank may offer you investment accounts that you can use to save for college or retirement, insurance

coverage for your home or your life, or annuities to help you generate retirement
income. But its important to remember that just because youre buying these products from a bank doesnt mean theyre FDIC insured. In fact, theyre not.

-Significant revenue and asset growth headwinds will be faced by banks, as the industry emerges from its recent acute credit and liquidity crisis and prepares for a new future. A new Oliver Wyman report titled, The Future of Banking, explores financial services business models that will thrive in the long-term by highlighting the impact of the evolution of customer needs, macroeconomic shifts and a new regulatory paradigm.

SWOT analysis is a strategic planning method used to evaluate the Strengths, Weaknesses, Opportunities, and Threats involved in a project or in a business venture. It involves specifying the objective of the business venture or project and identifying the internal and external factors that are favorable and unfavorable to achieve that objective. The technique is credited to Albert Humphrey, who led a convention at Stanford University in the 1960s and 1970s using data from Fortune 500 companies.

1 Right strategy for the right products. 2. Superior customer service vs. competitors 3. Great Brand Image. 4. Products have required accreditation. 5. High degree of customer satisfaction. 6. Good place to work 7. Lower response time with efficient and effective service. 8. Dedicated workforce aiming at making a long-term career in the field.

1Some gaps in range for certain sectors. 2Customer service staff need training. Processes and systems, etc 3Management cover insufficient. 4Sectoral growth is constrained by low 5unemployment levels and competition for staff

1.Profit margins will be good. 2.Could extend to overseas broadly. 3.New specialist applications. 4.Could seek better customer deals. 5.Fast-track career development opportunities on an industry-wide basis. 6.An applied research center to create opportunities for developing techniques to provide added-value services.

1.Legislation could impact. 2.Great risk involved 3.Very high competition prevailing in the industry. 4.Vulnerable to reactive attack by major competitors. 5.Lack of infrastructure in rural areas could constrain investment. 6.High volume/low cost market is intensely competitive.

Name

Last Price

Market cap(Rs.Cr.)

Net interest income 19,928.21 25,974.05 15,154.81

Net Profit

Total Assets

HDFC BANK

485.70

113,509.79 103,481.03 46,845.04

3,926.39 5,151.38 3,388.49

277,352.61 406,233.67 242,713.37

ICICI BANK
AXIS BANK

898.00 1,135.85

KOTAK MAHINDRA 504.50

INDUSLND BANK 279.20 YES BANK

37,264.76

4,303.56

818.18

50,850.66

13,026.42

3,589.36

577.32

45,635.85

310.05

10,884.18

4,041.74

727.13

59,007.00

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