Presentation in the Banking sector

Subject:-Business Aspects In Banking and Insurance

The bank we have

chosen is :-

Stewart •11b940 Sorab

h •11b942

Kaveshna •11b94

4

Arif •11b953

Smit

•10b92

2

Chaitali •11b932

Bha

vesh

•11b90

8

Vikas •11b916

Monit

•11b906

Group member

s

S.Y.BMS-C

Overview of our project

Introduction

To BankingTo HDFC

Wide Range of Services

Retail BankingWholesale BankingTreasury

HDFC In Detail

Achievements Capital StructureApproach Distribution Network

What is a bank?

A bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money.

Banks are important players in financial markets and offer financial services such as investment funds.

In some countries such as GERMANY, banks are the primary owners of industrial corporations .

While in other countries such as the UNITED STATES banks are prohibited from owning non-financial companies. 

History of

banking in India

Introduction HDFC Bank began operations in 1995 with a simple

mission : to be a “ World Class Indian Bank.”

Their business philosophy is based on four core values - Customer Focus, Operational Excellence, Product Leadership and People.

They believe that the ultimate identity and success of their bank will reside in the exceptional quality of their people and their extraordinary efforts.

For this reason, they are committed to hiring, developing, motivating and retaining the best people in the industry.

Mr. Aditya Puri

BOARD OF DIRECTORS

Mr. Aditya Puri, Managing director

Mr. Jagdish Kapoor , Chairman

Mr. Harish Engineer, Executive directors

Keki Mistry, Managing Director

Mr. A Rajan, Country Head-Operations

Mr. Rahul Bhagat, Vice president

Incorpo-rated in 1994

First compan

y to

receive an ‘In

Principle'

approval from

RBI

Started in 1995

Times Bank Lt

d merged in 2000

with HDFC

In 2008 HDFC Bank

acquired Centu

rion Bank of Punjab

History

MISSION :

“World Class Indian Bank”.

OBJECTIVE :

Maintain Ethical Standards, Professional Integrity & Cooperate Governance.

Capital Structure and

Shareholding Pattern

The authorized capital of HDFC Bank is Rs550 crore( Rs 5.5bn) Paid-up capital is Rs 424.6 crore (Rs 4.2 bn).

The HDFC Group holds 19.4% of the bank's equity.

28% of the equity is held by FIIs.

11.86% is held by the General Public.

The Bank has about 570,000 shareholders.

The shares are listed on the BSE & NSE.

The bank's American Depository Shares are listed on the New York Stock Exchange (NYSE) under the symbol ‘HDB’.

13

Camel’s Approach

Camel’s Approach

It is a method for evaluating bank performance and healthy position of the bank since it considers all areas of banking operations.

Camel Means C = “Capital Adequacy Ratio” A= “Asset quality” M= “Management quality” E= “Earnings quality” L= “Liquidity”

Wide Range of

Services

RETAIL BANKING

Wholesale Banking

Treasury

Loan

Depository products

POS Terminals

Cards Mutual Fund Sales

Insurance Sales

NRI Services

RETAIL BANKING

Commercial Banking

Transactional Banking

Large corporate

Supply Chain

Financial Institution

Government

Wholesale Banking

Foreign Exchange

Asset Liability Management

Debt Securities

Statutory Reserve Management

Derivatives

Equity

Treasury

Distribution network

2,544 branches and 8,913 ATMs in 1,3991,986 branches and 5,471 ATMs in 996 cities 

As on March 31, 2012

As on March 31,2011

Net profit: 5,167 crore. An

increase of 31.6% compared to the

previous year Balance sheet size: 337,909

crore as at 31st March 2012

Total deposits: 246,706 crore. An increase of 18.3% compared to the

previous year

Total advances: 195,420 crore. An increase of 22.2% compared to the

previous year

Capital Adequacy Ratio: 16.5%.

Regulatory minimum

requirement is 9%

Tier I capital ratio: 11.6%

Non Performing Assets: 1,999 crore (gross); 1.0% of Gross

Advances

Highlights

Strength

Weakness

Opportunities

Threats SWOT

Bebi’s Jari making enterprise grows

Plantain farming thrives in Kerala

A flower seller expands her business

Bag makers achieve success

Flora’s business prospers

Sustainable Livelihood Banking

Achievements…….

Dun & Bradstreet Banking Awards 2012

IDRBT Banking Technology Excellence

Awards 2011-12

Asia Money 2012

India's Top 500 Companies -Dun &

Bradstreet Corporate Awards

Finance Asia

UTI Mutual Fund CNBC TV 18 Financial Advisor

Awards 2011

Asian Banker International Excellence

in Retail Financial Services Awards 2012

5th Loyalty Summit award

Skoch foundation 2012

ICAI Awards 2011

2012

2011

Outlook Money Best Bank Award 2011

Best Commercial Vehicle Financier

Businessworld Best Bank award

BCI Continuity & Resilience Award

Financial Express Best Bank Survey

2010-11

ISACA 2011 award for IT Governance

IBA Productivity Excellence Awards

2011DSCI Excellence

Awards 2011Euromoney Awards for Excellence 2011

FINANCE ASIA Country Awards

2011: India

Asian Banker

Bloomberg UTV's Financial Leadership

Awards 2011

IBA Banking Technology Awards

2010

IDC FIIA Awards 2011

CNBC TV18's Best Bank & Financial

Institution Awards

Dun & Bradstreet Banking Awards 2011

Bibliography

The information has been taken from the following sites: www.wikipedia.org

www.hdfcbank.com

Hdfc bank Dadar branch

Thank You…….