![Page 1: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/1.jpg)
Presented By
SUJATA DONGRE MF-11- 13
LEOCA TAVADIA MF-11- 42
SUJATA GOKULE MI -11- 04
PANKAJ MANRAL MF-11- 24
DHARMIN JHURMARWALA MF-11- 19
![Page 2: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/2.jpg)
There are Five Techniques Balance scorecard
• Use the organization's mission and strategy
to identify the key objectives
• Quantify the objectives
• Plan how to make sure these objectives can
be achieved.
• Review the results
• Evaluate the objectives so that they remain
relevant
•Evaluate the objectives so that they remain relevant
![Page 3: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/3.jpg)
Portfolio Analysis
This technique is devised by Boston Consulting Group which is know as BCG matrix
• The general idea is that you drop
the dog, milk the cash cows, develop the problem child and sustain the stars.
![Page 4: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/4.jpg)
Stakeholder analysis
• Identify the specific stakeholder group
• Decide their contribution or connection
to the organisation.
• Identify their wants from the organisation.
• Consider the importance and influence of
each of the stakeholder.
• Suggest how you can best meet the
demands of the stakeholder bearing in mind their importance.
Stakeholder Analysis Matrix
Stakeholder contriution What they want
Importance & Infuence
Expectations
Stakeholder Analysis Matrix Template
![Page 5: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/5.jpg)
Porter's Five Forces
Five Forces Analysis assumes that there are five important forces that determine competitive power in a business situation.
![Page 6: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/6.jpg)
Ansoff’s matrix
• Market Penetration
• Market Development
• Product Development
• Diversification
![Page 7: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/7.jpg)
INTRODUCTION
• HDFC Bank Limited is an Indian financial services company based in Mumbai, incorporated in August 1994.
• It is the largest bank in India by assets , the second largest bank by market capitalization and first in Private sector banks as on February 24,2012.
• The bank was promoted by the Housing Development Finance Corporation , a premier housing finance company set up in 1977 in India.
BUSINESS FOCUS
• HDFC Bank deals with three key business segments i.e. Wholesale Banking Services, Retail Banking Services, Treasury.
• It has entered the banking industry for over 50 corporates providing working finance, trade services, corporate finance, and merchant banking.
• It is also providing sophisticated product structures in areas of foreign exchange and derivatives, money markets and debt trading And Equity research.
![Page 8: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/8.jpg)
![Page 9: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/9.jpg)
![Page 10: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/10.jpg)
.Mr. Uday S. KotakExecutive Vice Chairman and Managing DirectorKotak Mahindra Bank an Indian financial services firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a non-banking financial company.
![Page 11: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/11.jpg)
![Page 12: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/12.jpg)
• Net profit up by 12% to ` 282cr
• Gross advances increased by 31% to ` 42318cr • Deposits up 36% to 41632 • CASA ratio at 34% • Net Interest Margin at 4.75% • Core Cost-to-income ratio at 42% • Gross NPA / gross advances at 1.34% • Net NPA / net advances at 1.4% • Capital adequacy ratio (CAR) - total 17.5% of which tier I
at 16.6%
![Page 13: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/13.jpg)
![Page 14: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/14.jpg)
Stakeholder Analysis Matrix
Stakeholder contriution What they want Importance & Infuence Expectations
Stakeholder Analysis Matrix Template
![Page 15: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/15.jpg)
• Advances at ` 385.3 billion as at June 30, 2012; growth of 16.4% y-o-y
• Customer Assets (loans and credit substitutes) at ` 493.4 billion as at June 30, 2012; growth of 32.4%
• Deposits at ` 502.1 billion as at June 30, 2012; growth of 15.2% y-o-y
• Gross yield on advances of 12.4% in Q1FY13 (11.6% in Q1FY12) Cost of funds of 9.0% in Q1FY13 (8.5% in Q1FY12)
• CASA Ratio of 16.3% as of June 30, 2012; with CASA growth of 71.5% over Q1FY12
• Retail Banking Liabilities (CASA + Retail Banking FDs) has improved to 37.3% of Total Deposits as of
June 30, 2012 from 27.2% last year
• Gross NPA at 0.28% of Gross Advances (` 1,095 million); Net NPA at 0.06% of Net Advances (` 237 million)
• Restructured Advances at 0.51% (` 1,965 million) of Gross Advances, remaining stable sequentially
• Total loan loss coverage ratio of 295%; Specific loan loss coverage ratio of 78.3% as at June 30, 2012
• Total Capital Funds (Tier I + Tier II) of ` 94.9 billion as at June 30, 2012 (` 70.9 billion as at June 30,2011)
![Page 16: Analysis of Business Environment of Top 5 Banks.ppt 2.Ppt 1](https://reader033.vdocuments.us/reader033/viewer/2022061109/54514802af795915308b4652/html5/thumbnails/16.jpg)
Thank You