startegic mgmt. of hdfc bank
TRANSCRIPT
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Subject: Strategic Management
Assignment: 1
(HDFC Bank)
Names Roll No.
Arzoo Khan 09
Ekta Tiwari 07
Vidya Chaudhari 14Submitted To: Prof. Sujata Pal
Submitted On: 08/01/2013
College: Sheth N.K.T.T. College
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Type Public
Traded as BSE: 500180
NSE: HDFCBANK
NYSE: HDB
BSE SENSEX Constituent
Industry Banking, Financial services
Founded August 1994
Headquarters Mumbai, Maharashtra, India
Area served Worldwide
Key people Mr. Aditya Puri (MD)
Products Credit cards, consumer banking, corporate banking, finance
and insurance, investment banking, mortgage loans, private
banking, private equity, wealth management[1]
Revenue US$ 6.487 billion (2012)[2]
Operating
income
US$ 1.451 billion (2012)[2]
Profit US$ 978.3 million (2012)[2]
Total assets US$ 70.17 billion (2012)[2]
Total equity US$ 7.793 billion (2012)[2]
Employees 66,076 (2012)[2]
Website HDFCBank.com
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About Us:
The Housing Development Finance Corporation Limited (HDFC) was amongst the first
to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a
bank in the private sector, as part of the RBI's liberalization of the Indian Banking
Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank
Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations
as a Scheduled Commercial Bank in January 1995.
Promoter:
HDFC is India's premier housing finance company and enjoys an impeccable track
record in India as well as in international markets. Since its inception in 1977, the
Corporation has maintained a consistent and healthy growth in its operations to remain
the market leader in mortgages. Its outstanding loan portfolio covers well over a million
dwelling units. HDFC has developed significant expertise in retail mortgage loans to
different market segments and also has a large corporate client base for its housing
related credit facilities. With its experience in the financial markets, strong market
reputation, large shareholder base and unique consumer franchise, HDFC was ideally
positioned to promote a bank in the Indian environment.
Business Focus:
HDFC Bank's mission is to be a World Class Indian Bank. The objective is to build sound
customer franchises across distinct businesses so as to be the preferred provider of
banking services for target retail and wholesale customer segments, and to achieve
healthy growth in profitability, consistent with the banks risk appetite. The bank is
committed to maintain the highest level of ethical standards, professional integrity,
corporate governance and regulatory compliance. HDFC Banks business philosophy is
based on four core values: Operational Excellence, Customer Focus, Product Leadership
and People.
Capital Structure:
As on 31st March, 2012 the authorized share capital of the Bank is Rs. 550 crore. The
paid-up capital as on the said date is Rs. 469,33,76,540 (234,66,88,270 equity shares of
Rs. 2/- each). The HDFC Group holds 23.15% of the Bank's equity and about 17.29 % of
the equity is held by the ADS / GDR Depositories (in respect of the bank's American
Depository Shares (ADS) and Global Depository Receipts (GDR) Issues). 30.68 % of the
equity is held by Foreign Institutional Investors (FIIs) and the Bank has 4,47,924
shareholders.
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The shares are listed on the Bombay Stock Exchange Limited and The National Stock
Exchange of India Limited.
The Bank's American Depository Shares (ADS) are listed on the New York Stock
Exchange (NYSE) under the symbol 'HDB' and the Bank's Global Depository Receipts
(GDRs) are listed on Luxembourg Stock Exchange under ISIN No US40415F2002.
CBoP & Times Bank Amalgamation:
On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was
formally approved by Reserve Bank of India to complete the statutory and regulatory
approval process. As per the scheme of amalgamation, shareholders of CBoP received 1
share of HDFC Bank for every 29 shares of CBoP.
The amalgamation added significant value to HDFC Bank in terms of increased branch
network, geographic reach, and customer base, and a bigger pool of skilled manpower.
In a milestone transaction in the Indian banking industry, Times Bank Limited (another
new private sector bank promoted by Bennett, Coleman & Co. / Times Group) was
merged with HDFC Bank Ltd., effective February 26, 2000. This was the first merger of
two private banks in the New Generation Private Sector Banks. As per the scheme of
amalgamation approved by the shareholders of both banks and the Reserve Bank of
India, shareholders of Times Bank received 1 share of HDFC Bank for every 5.75 shares
of Times Bank.
Distribution Network:
HDFC Bank is headquartered in Mumbai. As on March 31, 2012, the Bank has a network
of 2,620 branches in 1,454 cities across India. All branches are linked on an online real-
time basis. Customers in over 800 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 centers, 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 centers where the NSE / BSE have a strong and active member
base.
The Bank also has a network of 10,469 ATMs across India. 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.
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Management:
Mr. C.M. Vasudev has been appointed as the Chairman of the Bank with effect from 6th
July 2010. Mr. Vasudev has been a Director of the Bank since October 2006.
A retired IAS officer, Mr. Vasudev has had an illustrious career in the civil services and
has held several key positions in India and overseas, including Finance Secretary,
Government of India, Executive Director, World Bank and Government nominee on the
Boards of many companies in the financial sector.
The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25
years and before joining HDFC Bank in 1994 was heading Citibank's operations in
Malaysia.
The Bank's Board of Directors is composed of eminent individuals with a wealth of
experience in public policy, administration, industry and commercial banking. Senior
executives representing HDFC are also on the Board.
Senior banking professionals with substantial experience in India and abroad head
various businesses and functions and report to the Managing Director. Given the
professional expertise of the management team and the overall focus on recruiting and
retaining the best talent in the industry, the bank believes that its people are a
significant competitive strength.
Technology:
HDFC Bank operates in a highly automated environment in terms of information
technology and communication systems. All the bank's branches have online
connectivity, which enables the bank to offer speedy funds transfer facilities to its
customers.
Multi-branch access is also provided to retail customers through the branch network
and Automated Teller Machines (ATMs).
The Bank has made substantial efforts and investments in acquiring the best technologyavailable internationally, to build the infrastructure for a world class bank. In terms of
core banking software, the Corporate Banking business is supported by Flexcube, while
the Retail Banking business by Finware, both from i-flex Solutions Ltd. The systems are
open, scalable and web-enabled.
The Bank has prioritized its engagement in technology and the internet as one of its key
goals and has already made significant progress in web-enabling its core businesses. In
each of its businesses, the Bank has succeeded in leveraging its market position,
expertise and technology to create a competitive advantage and build market share.
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Products:
1. Accounts & Deposits:
Savings Account
Salary Account
Current Account
Deposits
Demat Account
Safe Deposit Account
Rural Account
2. Loans:
Personal Loans
Business Loans
Home Loan
Car Loan
Two Wheeler Loan
Loan Against Assets
Educational Loans
Government Sponsored Programs
Rural Loans
3. Cards:
Credit CardDebit Card
Prepaid Card
Credit Card Reward Programs
4. Investments:
Wealth Services
Investment Products
5. Insurance:Life Insurance
Health Insurance
Motor Insurance
Travel Insurance
Home Insurance
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6. Forex:
Travelling Solutions
Remittance Products
Other Forex Services
Forex Help
7. Premium Banking:
Imperia Banking
Preferred Banking
Classic Banking
8. Private Banking
Fees & Rates:
Fixed Deposit Rates: 8.75% for 2 years & 16 daysForex Rates: $: 55.98 : 90.97
Gold & Silver Rates: Mudra Gold / 10G: Rs. 35964.00
Base Rate: 09.80 % 30/06/2012
Benchmark PLR: 18.30 % 30/06/2012
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Businesses:
HDFC Bank caters to a wide range of banking services covering commercial and
investment banking on the wholesale side and transactional / branch banking on the
retail side.
The bank has Three key Business Segments:
Wholesale Banking:The Bank's target market is primarily large, blue-chip manufacturing companies in
the Indian corporate sector and to a lesser extent, small & mid-sized corporates and
agri-based businesses. For these customers, the Bank provides a wide range of
commercial and transactional banking services, including working capital finance,
trade services, transactional services, cash management, etc. The bank is also a
leading provider of structured solutions, which combine cash management services
with vendor and distributor finance for facilitating superior supply chain
management for its corporate customers. Based on its superior product delivery /service levels and strong customer orientation, the Bank has made significant
inroads into the banking consortia of a number of leading Indian corporates
including multinationals, companies from the domestic business houses and prime
public sector companies. It is recognized as a leading provider of cash management
and transactional banking solutions to corporate customers, mutual funds, stock
exchange members and banks.
Retail Banking:The objective of the Retail Bank is to provide its target market customers a full range
of financial products and banking services, giving the customer a one-stop window
for all his/her banking requirements. The products are backed by world-classservice and delivered to customers through the growing branch network, as well as
through alternative delivery channels like ATMs, Phone Banking, Net Banking and
Mobile Banking.
The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank
Plus and the Investment Advisory Services programs have been designed keeping in
mind needs of customers who seek distinct financial solutions, information and
advice on various investment avenues.
The Bank also has a wide array of retail loan products including Auto Loans, Loans
against marketable securities, Personal Loans and Loans for Two-wheelers. It is alsoa leading provider of Depository Participant (DP) services for retail customers,
providing customers the facility to hold their investments in electronic form.
HDFC Bank was the first bank in India to launch an International Debit Card in
association with VISA (VISA Electron) and issues the MasterCard Maestro debit card
as well. The Bank launched its credit card business in late 2001. By March 2012, the
bank had a total card base (debit and credit cards) of over 19.71 million. The Bank is
also one of the leading players in the "merchant acquiring" business with over
180,000 Point-of-sale (POS) terminals for debit / credit cards acceptance at
merchant establishments.
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The Bank is well positioned as a leader in various net based B2C opportunities
including a wide range of internet banking services for Fixed Deposits, Loans, Bill
Payments, etc.
Treasury:Within this business, the bank has three main product areas - Foreign Exchange and
Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the
liberalization of the financial markets in India, corporates need more sophisticated
risk management information, advice and product structures. These and fine pricing
on various treasury products are provided through the banks Treasury team. To
comply with statutory reserve requirements, the bank is required to hold 25% of its
deposits in government securities.
The Treasury business is responsible for managing the returns and market risk on
this investment portfolio.
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Ratings:
Credit Rating:
The Bank has its deposit programs rated by two rating agencies - Credit Analysis &
Research Limited (CARE) and Fitch Ratings India Private Limited.
The Bank's Fixed Deposit programme has been rated 'CARE AAA (FD)' [Triple A] by
CARE, which represents instruments considered to be "of the best quality, carrying
negligible investment risk."
CARE has also rated the bank's Certificate of Deposit (CD) programme "PR 1+" which
represents "superior capacity for repayment of short term promissory obligations".
Fitch Ratings India Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assigned the "AAA(ind)" rating to the Bank's deposit programme, with the outlook on the rating as
"stable". This rating indicates "highest credit quality" where "protection factors are
very high".
The Bank also has its long term unsecured, subordinated (Tier II) Bonds rated by CARE
and Fitch Ratings India Private Limited and its Tier I perpetual Bonds and Upper Tier
II Bonds rated by CARE and CRISIL Ltd.
CARE has assigned the rating of"CARE AAA" for the subordinated Tier II Bonds while
Fitch Ratings India Pvt. Ltd. has assigned the rating "AAA (ind)" with the outlook on
the rating as "stable".
CARE has also assigned "CARE AAA [Triple A]" for the Banks Perpetual bond and
Upper Tier II bond issues.
CRISIL has assigned the rating "AAA / Stable" for the Bank's Perpetual Debt
programme and Upper Tier II Bond issue.
In each of the cases referred to above, the ratings awarded were the highest assigned bythe rating agency for those instruments.
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Corporate Governance Rating:
The bank was one of the first four companies, which subjected itself to a Corporate
Governance and Value Creation (GVC) rating by the rating agency, The Credit Rating
Information Services of India Limited (CRISIL).
The rating provides an independent assessment of an entity's current performance and
an expectation on its "balanced value creation and corporate governance practices" in
future. The bank was assigned a 'CRISIL GVC Level 1' rating in January 2007 which
indicates that the bank's capability with respect to wealth creation for all its
stakeholders while adopting sound corporate governance practices is the highest.
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Awards:
Their MD received the Asian Banker Best Bank in India Award at a function on March
23, 2012 at Singapore. Mr. Puri is flanked by Mr. Emmanuel Daniel, CEO, The Asian
Banker, on his right and Mr.Philippe Paillart, Chairman, Advisory Council.
Awards & Achievements - Banking Services:
HDFC Bank began operations in 1995 with a simple mission: to be a "World-class
Indian Bank". They realized that only a single-minded focus on product quality and
service excellence would help them get there. Today, we are proud to say that we are
well on their way towards that goal.
It is extremely gratifying that their efforts towards providing customer convenience
have been appreciated both nationally and internationally.
2012:
Economic Times ET Awards for Corporate Excellence - Company of the Year 2012
CNBC TV18's IndiaBest Banks andFinancial InstitutionsAwards 2012
Best Private sector Bank
Mint-Aon Hewitt studyon India's BestManaged Boards 2012
Their Bank among India's six best managed Boards 2012
Forbes Asia Fab 50 Companies - Winning for the 6th year
IBA BankingTechnology Awards
2011
- Best Online Bank- Best use of Business Intelligence
- Best Customer Relationship Initiative- Best Risk Management & Security Initiative- Best use of Mobility Technology in Banking
Dun & BradstreetBanking Awards 2012
- Overall Best Bank- Best Private Sector Bank- Asset Quality - Private Sector- Retail Banking -Private Sector
IDRBT BankingTechnology ExcellenceAwards 2011-12
Best Bank in 'IT for Operational Effectiveness' category
Asia Money 2012 Best Domestic Bank in India
India's Top 500Companies -Dun &Bradstreet Corporate
Awards
Best Bank in India
Finance Asia - Best Managed Company- Best CEO - Mr. Aditya Puri
UTI Mutual FundCNBC TV 18 FinancialAdvisor Awards 2011
- Best Performing Bank - Private
Asian BankerInternationalExcellence in RetailFinancial ServicesAwards 2012
- Best Retail Bank in India- Best Bancassurance- Best Risk Management
5th Loyalty Summitaward
Customer and Brand Loyalty
Skoch foundation 2012 SHG/JLG linkage programme
ICAI Awards 2011 Excellence in Financial Reporting
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2011:
Outlook Money BestBank Award 2011
- Best Bank - Runner Up
Best CommercialVehicle Financier
- Driving Positive Change
Business world BestBank award
- Best Bank
BCI Continuity &Resilience Award
- Most Effective Recovery of the Year
Financial Express BestBank Survey 2010-11
- Best in Strength and Soundness- 2nd Best in the Private Sector
CNBC TV18's BestBank & FinancialInstitution Awards
- Best Bank- Mr. Aditya Puri, Outstanding Finance Professional
Dun & BradstreetBanking Awards 2011
Best Private Sector Bank - SME Financing
ISACA 2011 award forIT Governance
Best practices in IT Governance and IT Security
IBA Productivity
Excellence Awards2011
New Channel Adopter (Private Sector)
DSCI (Data SecurityCouncil of India)Excellence Awards2011
Security in Bank
Euro money Awards forExcellence 2011
Best Bank in India
FINANCE ASIACountry Awards 2011:India
- BEST BANK- BEST CASH MANAGEMENT BANK- BEST TRADE FINANCE BANK
Asian Banker Strongest Bank in Asia Pacific
Bloomberg TVsFinancial Leadership
Awards 2011
Best Bank
IBA BankingTechnology Awards2010
Winner -1) Technology Bank of the Year2) Best Online Bank3) Best Customer Initiative4) Best Use of Business Intelligence5) Best Risk Management SystemRunners Up -Best Financial Inclusion
IDC FIIA Awards 2011 Excellence in Customer Experience
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7/29/2019 Startegic mgmt. of HDFC Bank
14/15
2010:
Outlook Money 2010Awards
Best Bank
Business world BestBank Awards 2010
Best Bank (Large)
Teacher's AchievementAwards 2010(Business)
Mr. Aditya Puri
The Banker and PWM2010 Global PrivateBanking Awards
Best Private Bank in India
Economic TimesAwards for CorporateExcellence 2010
Business Leader of the Year - Mr. Aditya Puri
Forbes Asia Fab 50 Companies - 5th year in a row
NDTV BusinessLeadership Awards2010
Best Private Sector Bank
The BankerMagazine World's Top 1000 Banks
MIS Asia IT ExcellenceAward 2010 BEST BOTTOM-LINE I.T. Category
Dun & BradstreetBanking Awards 2010
Overall Best Bank
Best Private Sector Bank
Best Private Sector Bank in SME Financing
Institutional InvestorMagazine Poll
HDFC Bank MD, Mr. Aditya Puri among "Asian Captains of Finance 2010"
IDRBT Technology2009 Awards
Winner - 1) IT Infrastructure 2) Use of IT within the BankRunners-up - IT Governance (Large Banks)
ACI Excellence Awards
2010
Highly Commended - Asia Pacific HDFC Bank
FE-EVI GreenBusiness LeadershipAward
Best performer in the Banking category
Celent's 2010 BankingInnovation Award
Model Bank Award
Avaya Global Connect2010
Customer Responsiveness Award - Banking & Financial Services category
Forbes Top 2000Companies
Our Bank at 632nd position and among 130 Global High Performers
Financial Express -Ernst & Young Survey2009-10
Best New Private Sector Bank
Best in GrowthBest in strength
Asian BankerExcellence Awards2010
Best Retail Bank in India
Excellence in Automobile Lending
Best M&A Integration
Technology Implementation
The Asset Triple AAwards
Best Cash Management Bank in India
Euro money PrivateBanking and WealthManagement Poll 2010
1) Best Local Bank in India (second year in a row) 2) Best Private BankingServices overall (moved up from No. 2 last year)
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7/29/2019 Startegic mgmt. of HDFC Bank
15/15
Financial InsightsInnovation Awards2010
Innovation in Branch Operations - Server Consolidation Project
Global Finance Award Best Trade Finance Provider in India for 2010
2 Banking TechnologyAwards 2009
1) Best Risk Management Initiative and 2) Best Use of Business Intelligence.
SPJIMR MarketingImpact Awards (SMIA)2010
2nd Prize
Business Today BestEmployer Survey
Listed in top 10 Best Employers in the country
They are aware that all these awards are mere milestones in the continuing, never-
ending journey of providing excellent service to their customers. They are confident,
however, that with your feedback and support, they will be able to maintain and
improve our services.
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