project presentation on hdfc bank

8/3/2019 Project Presentation on HDFC Bank

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ProjectPresentation On

HDFC Bank


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HDFC Bank Ltd is a major Indian financial servicescompany based in Mumbai. The Bank

is a publicly held banking company engaged in providing a

wide range of banking andfinancial 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 tworepresentative offices in UAE and Kenya


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HDFC Bank Ltd Was incorporated on August 30,

1994 by Housing Development Finance Corporation Ltd. Inthe year 1994, Housing

Development Finance Corporation Ltd was amongst the firstto receive an 'in principle'

approval from the Reserve Bank of India to set up a bank inthe private sector, as part of

the RBI's liberalization of the Indian Banking Industry.


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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 retailinvestment 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-timeNetBanking. In February 2000, Times Bank Ltd, owned by

Bennett, Coleman & Co. / Times

Group amalgamated with the Bank Ltd.


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HDFC Bank is headquartered in Mumbai. The Bank at presenthas 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 throughTelephone Banking. The Bank's expansion plans take into

account the need to have a presence in all major industrial andcommercial centres where its corporate customers are located as

well as the need to build a strong retail customer base for bothdeposits and loan products. Being a clearing/settlement bank to

various leading stock exchanges, the Bank has branches in thecentres where the NSE/BSE has a strong and active member base.


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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, VisaElectron/Maestro, Plus/Cirrus and

American Express Credit/Chargecardholders.


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HDFC Bank offers various channels for handling paymentrequirements by Mutual Funds.

HDFC Bank has developed various products to meet therequirements of timely payments

made by Mutual Funds i.e redemption payments, dividenddistribution, brokerage

payments etc.


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Bulk Disbursements: HDFC Bank has the ability to provide a largenumber of drafts

in a short time at very competitive rates. The bank provides demanddrafts 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.


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1.THE INDUSTRY ENVIRONMENT

In this section we will discuss about the history of bankingindustry 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 theindustry and then discuss the macro environment of the

industry.


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The first bank were the merchants of the ancient world thatmade loans to farmers and

traders that carried goods between cities. The first records ofsuch activity dates back to

around 2000 BC inAssyria and Babylonia. Later in ancientGreece 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 thisperiod there is similar

evidence of the independent development of lending of moneyin ancient China and

separately in ancient India.
http://en.wikipedia.org/wiki/Merchanthttp://en.wikipedia.org/wiki/Loanhttp://en.wikipedia.org/wiki/Assyriahttp://en.wikipedia.org/wiki/Babyloniahttp://en.wikipedia.org/wiki/Ancient_Greecehttp://en.wikipedia.org/wiki/Ancient_Greecehttp://en.wikipedia.org/wiki/Roman_Empirehttp://en.wikipedia.org/wiki/Ancient_Chinahttp://en.wikipedia.org/wiki/History_of_Indiahttp://en.wikipedia.org/wiki/History_of_Indiahttp://en.wikipedia.org/wiki/Ancient_Chinahttp://en.wikipedia.org/wiki/Roman_Empirehttp://en.wikipedia.org/wiki/Ancient_Greecehttp://en.wikipedia.org/wiki/Ancient_Greecehttp://en.wikipedia.org/wiki/Babyloniahttp://en.wikipedia.org/wiki/Assyriahttp://en.wikipedia.org/wiki/Loanhttp://en.wikipedia.org/wiki/Merchant


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Banking in the modern sense of the word can be traced to

medieval and early RenaissanceItaly, 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 ofEurope. Perhaps the most famous Italian bank wasthe Medici bank, set up by

Giovanni Medici in 1397.
http://en.wikipedia.org/wiki/Renaissancehttp://en.wikipedia.org/wiki/Italyhttp://en.wikipedia.org/wiki/Florencehttp://en.wikipedia.org/wiki/Venicehttp://en.wikipedia.org/wiki/Genoahttp://en.wikipedia.org/wiki/Bardi_familyhttp://en.wikipedia.org/wiki/Peruzzihttp://en.wikipedia.org/wiki/Europehttp://en.wikipedia.org/wiki/Medicihttp://en.wikipedia.org/wiki/Medicihttp://en.wikipedia.org/wiki/Europehttp://en.wikipedia.org/wiki/Peruzzihttp://en.wikipedia.org/wiki/Bardi_familyhttp://en.wikipedia.org/wiki/Genoahttp://en.wikipedia.org/wiki/Venicehttp://en.wikipedia.org/wiki/Florencehttp://en.wikipedia.org/wiki/Italyhttp://en.wikipedia.org/wiki/Renaissancehttp://en.wikipedia.org/wiki/Medicihttp://en.wikipedia.org/wiki/Europehttp://en.wikipedia.org/wiki/Peruzzihttp://en.wikipedia.org/wiki/Bardi_familyhttp://en.wikipedia.org/wiki/Genoahttp://en.wikipedia.org/wiki/Venicehttp://en.wikipedia.org/wiki/Florencehttp://en.wikipedia.org/wiki/Italyhttp://en.wikipedia.org/wiki/Renaissance


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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:


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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 accountsIn most banks, you can transfer cash electronically from your transactionaccount to your savings account, and vice versa. Banks also provide otherimportant services. For example, you can purchase guaranteed bank checks,

sometimes called cashiers checks, which ensure the payee that the fundsneeded to cover the check are available. Some providers of goods and servicesrequire guaranteed bank checks to limit their risk of nonpayment. If you need asignature guarantee on an application or other official document, your bankwill normally provide one. And, in most cases, banks are also the place you go toborrow money when you need it, through lines of credit and loans.


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Transaction Accounts

Checking accounts allow you to handle a number ofdifferent 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 moneyelectronically, either as an online bill payment or using a

debit card. If you need cash, you can cash a check at ateller window in one of your banks branches or use anATM.


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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 meetingunexpected expenses,

such as car repairs or replacing a major appliance, or dealing with

an

emergency.


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International RemittancesAn 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 intheir 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.


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Beyond Banking

In addition to checking and savings accounts, your local bank may offeryou

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 buyingthese products

from a bank doesnt mean theyre FDIC insured. In fact, theyre not.


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-Significant revenue and asset growth headwinds will be facedby banks, as the industry emerges from its recent acute credit

and liquidity crisis and prepares for a new future. A new OliverWyman report titled, The Future of Banking, explores financial

services business models that will thrive in the long-term byhighlighting the impact of the evolution of customer needs,

macroeconomic shifts and a new regulatory paradigm.


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SWOT analysis is a strategic planning method used to

evaluate the Strengths,Weaknesses, Opportunities, andThreats involved in a project or in a business venture. Itinvolves specifying the objective of the business venture or

project and identifying the internal and external factors

that are favorable and unfavorable to achieve thatobjective. The technique is credited toAlbert Humphrey,who led a convention at Stanford University in the 1960s

and 1970s using data from Fortune 500 companies.
http://en.wikipedia.org/wiki/Strategic_planninghttp://en.wikipedia.org/wiki/Projecthttp://en.wikipedia.org/wiki/Businesshttp://en.wikipedia.org/wiki/Albert_S_Humphreyhttp://en.wikipedia.org/wiki/Fortune_500http://en.wikipedia.org/wiki/Fortune_500http://en.wikipedia.org/wiki/Albert_S_Humphreyhttp://en.wikipedia.org/wiki/Businesshttp://en.wikipedia.org/wiki/Projecthttp://en.wikipedia.org/wiki/Strategic_planning


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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 work7. Lower response time with efficient and effective service.

8. Dedicated workforce aiming at making a long-termcareer in the field.
http://managementfunda.com/customer-service/http://managementfunda.com/customer-service/


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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 5unemploymentlevels and competition for staff


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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 anindustry-wide basis.

6.An applied research center to create opportunities fordeveloping techniques to provide added-value services.


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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 constraininvestment.

6.High volume/low cost market is intensely competitive.


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Name Last Price Market

cap(Rs.Cr.)

Net

interestincome

Net Profit Total

Assets

HDFCBANK

485.70113,509.79 19,928.21 3,926.39 277,352.61

ICICI BANK898.00 103,481.03 25,974.05 5,151.38 406,233.67

AXIS BANK1,135.85 46,845.04 15,154.81 3,388.49 242,713.37

KOTAKMAHINDRA 504.50 37,264.76 4,303.56 818.18 50,850.66

INDUSLNDBANK 279.20 13,026.42 3,589.36 577.32 45,635.85

YES BANK310.05 10,884.18 4,041.74 727.13 59,007.00


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THANK YOU

project presentation on hdfc bank

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