Hdfc bank(Sar utha k jiyo)

Presented by: Shanta MishraBtech-MBA

History • The General Bank of India was set up in the year 1786.• The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920•In 1955,these three banks became the imperial bank of India.•Reserve Bank of India (RBI) established in April 1935 with a share capital of Rs 5 Crores.

Current Bank System 81 scheduled commercial banks 28(19 nationalized banks , 8 SBI group banks,

1 IDBI bank)29 foreign banks 24 private banks , combined networks of over

53000 branches,17000 ATM’sThe public sector holds over 75% of total

assets of banking industry, with private and foreign banks holds 18% & 7% respectively

Sources(www.IBEF.ORG)

Founded in 1977 by Hamukh bhai prakashHDFC bank was incorporated in AUG 1994It holds 1st in new generation commercial banksHDFC head quarters-HDFC bank Ltd.., MumbaiProducts Provide : Loans, Credit cards, savings,

investment vehiclesNet Revenue:24628.38CrNet Income:4017.69CrEmployees:600002620 branches,6520 ATM’s, covering 996 cities all

branches covered with OLRT,16 branches in middle east,6 in Africa

About HDFC

It has been started its operations in 1994,promted by unit trust of India

Branches-1042Third largest private sector bank.largest ATM network in the IndiaTotal income is 13745.04Cr rupeesTotal no of employees-14000Provide products: Investment banking, Retail

banking, private banking, mortgage banking,corporate banking

About Axis Bank

ICICI is the 2nd largest bank in IndiaTotal Assets-4062.34B rupeesPAT(Profit After Tax):51.51B rupeesBranches-2897,ATM’s-10021,Subsidary-

19countiriesHead Quarter-MumbaiProducts provide:Personal banking,wealth

management,NRI banking, Online services

About ICICI Bank

Adopting NETSAFE policyUsing MID strategy for customer informationSpecial plan for women's(HDFC life smart

women's plan)ONEVIEW system for viewing more then one

bank account at a timeRTGS system for fast transfer of money

What Makes HDFC Different From Others

Particulars HDFC BANK

AXIS BANK ICICI BANK

National branches

Equity shares 469.36 Cr 413.20 1152.77cr

Net interest income

27286.35 Cr 21994.62 Cr 33542.65

Market capital

157488.32 59214 135297.07

Stock price 664.50 1384.10 1172.75

Net profit 5167 4242.21 6465.27

comparision

Particulars AXIS BANK HDFC BANK ICICI BANK

Net profits Rs 4218 Cr Rs 5247 Cr Rs 7643 Cr

Current account and savings account(CASA) ratio

42 % 48.4 % 43.5 %

Net non performing assets

0.25 % 0.20 % 0.62 %

Capital adequacy ratio (CAR)

13.66 % 16.5 % 18.52 %

Provision coverage ratio (PCR)

80.91 % 82.4 % 80.4 %

Comparison

HDFC has high CASA(Current accounts and saving accounts ) ratio to find the ways to access the low cost funds to ramp up its growth.

Quiet lower Net non performing assets value.

HDFC has a good Provision coverage ratio (PCR), to meet the liabilities, as compared to the AXIS Bank and ICICI Bank

Salary ComparisionICICI

Assistant manager 195000-582216

Branch manager 319430-1136490

HDFC

Assistant manager 180000-500000

Branch manager 485000-1000000

AXIS

Assistant manager 269000-420000

Branch manager 600000-1000000

Market Share Comparison

ICICI Bank's minimum monthly balance requirement is Rs 10,000 at metro and urban locations; Rs 5,000 at semi-urban branches; and Rs 2,000 in rural areas.

the minimum monthly balance requirement at metro and urban areas is Rs 10,000 for Axis Bank and HDFC Bank. In the case of semi-urban areas, the minimum balance requirement is Rs 5,000 for the two banks. In rural areas, the minimum balance requirement is Rs 5,000 in the case of HDFC Bank and Rs 2,500 in the case of Axis Bank

SOME MORE INFORMATION

These private sector lenders have also tweaked the penalty charge for non-maintenance of minimum monthly balance. Charges for HDFC Bank and ICICI Bank range between Rs 250 and Rs 350; while, those of Axis Bank are Rs 750 (metro and semi-urban) and Rs 500 (rural).

CONTD…

Increasing market share in IndiaDelivering high quality customer services.Delivering more products to more customers.Maintaining current high standards for asset

quality through disciplined credit risk management.

Develop innovation products and services that attract target customers

HDFC Bank Strategy

Here the bank selected a number of segmented, each objectively attractive & appropriate. There may be little or low synergy among the segment but each segment proves to be worth full for it.

If we make the examples of cards then Axis bank have separate set of credit cards, each targeted at different set of people i.e segment and each one has its own importance for the bank

Axis Bank Strategy

ICICI is focusing on SME under wholesale segment.

It is also focusing on Rural banking under retail segment.

Offering micro-credit through micro financing institutions(MFI’s),micro insurance and micro-investment products.

Financial inclusion through business correspondents, farmers financing and integration of agri-value chain

ICICI Bank Strategy

Thank you…