GONDIA BRANCH
INDEX
1. Introduction 02
2. Company profile 14
3. Research Methodology 19
A. Problem definition 20
B. Collection of data 21
D. Hypothesis 25
4. Data Analysis 31
5. Findings 42
6. Conclusion 44
8. Bibliography 48
9.Annexure 50
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Introduction
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
1.Holding of share
Shareholders are the owners of the company. Time and again, they may have to
take decisions whether they have to continue with the holdings of the companys
share or sell them out. The financial statement analysis is important as it provides
meaningful information to the shareholder in taking such decisions.
3. Extension of credit
The creditors are the providers of loan capital to the company. Therefore they may
have to take decision as to whether they have to extent their loans to the company
and demand for higher interest rates.
4. Investment Decision
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
The prospective investors are those who have surplus capital to invest in some
profitable opportunities. Therefore, they often have to decide whether to invest
their capital in the companys share. The financial statements analysis is important
to them because they can obtain useful information for their investment decision
making purpose.
Financial Statements
Financial Ratios
A traditional financial statements analysis tool is financial ratios. These ratios take
information from the company &financial statements and calculates economic
indicator for comparison to another company or the industry standard. Financial
ratio includes liquidity, asset turnover,financial leverage and profitability
calculations. Liquidity ratios calculate the company & ability to meet short term
financial obligations. Assets turnover ratios indicate how well the company uses its
assets to generate profits. Financial leverages ratio calculates the long terms
solvency of a company. Profitability ratios help companies determine how much
profit they are generating from the sale of various goods or services.
Horizontal Analysis
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Vertical Analysis
Financial statement
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
uncertainty of potential cash flows. In other words, financial statement provides the
information needed to assess a company's future earnings and therefore the cash
flows expected to result from those earnings.
To determine the ability of a business to generates cash, and the sources and
use of that cash.
To determine whether a business has the capability to pay back is debts.
To track financial results on a trend line to spot any looming profitability
issues.
To derive financial ratios from the statements that can indicates the
conditions of the business.
To investigate the detail of a certain business transaction, as outlined in the
disclosure that company the statements.
Balance Sheet
Income Statements
Cash flow Statements
Balance Sheet:-
Financial statements are used to provides insight into a companys assets and
debts at a particular point in time. Information about the companys
shareholder equity is included as well. Typically, a company lists its assets on
the left side of the balance sheet and its debts and liabilities on the right.
Sometimes, However a balance sheet has assets listed at the top, debts in the
middle, and shareholders equity at the bottom.
Income Statements:-
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Relevance - The information must be relevant to the need of the users, which is the
case when the information influences the economic decision of users. This may
involves reporting particularly relevant information or information whose omission
or misstatements could influences the economic decisions users.
Reliability- The information must be free of material error and bias, and not
misleading. Thus, the information should faithfully represent transaction and other
events, reflect the underlying substance of event, and prudently represents
estimates and uncertainties through proper disclosure.
Strengths :-
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Weakness :
Opportunities:
Threats:
Competitor
Axis bank
ICICI Bank
City Union
Bank
Development Credit Bank Ltd
Federal bank Ltd
Indusland Bank Ltd
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Company Profile
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Company Profile
HDFC BANK
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
BUSINESSFOCUS
Operational Excellence,
Customer Focus,
CM
Product Leadership Vasudev
People
MD
Pandit Key
Palande Executive Aditya
puri
Director
Renu
Karnad
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Board Of Directors
Chairman - CM Vasudev
Managing Director - AdityaPuri
RenuKarnad
PanditPalande
Director -Partho S Datta
Bobby Parikh
Anami N Roy
Additional Director -KekiMistry
Executive Director - Harish Engineer
PareshSukthankar
Company Secretary - Sanjay Dongre
The banks target market ranges from large, blue-chip manufacturing companies in
the Indian corporate to small and mid-sized corporate and agree-based businesses.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
The objectives 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.
Treasury
Within this business, the bank has three main products areas - Foreign
Exchange and Derivatives, Local Currency Money Market & Debt Securities, and
Equities. The Treasury business is responsible for managing the returns and market
risk on this investment portfolio.
HDFC Securities (HCL) and HDB financial Service (HDBFSL) are its
subsidiaries.
HDFC Bank
HDFC Mutual Fund
HDFC Standard Life Insurance Company
HDFC Realty
HDFC Chubb General Insurance Company Limited
Intel Net Global services Limited.
Credit Information Bureau (India ) Limited
Other Company Co-Promoted By HDFC
HDFC Trustee Company Ltd
GRUH Finance Ltd
HDFC Development Ltd
HDFC Venture Capital Ltd
HDFC Ventures Trustee Company Ltd
HDFC Securities Ltd
HDFC Holding Ltd
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Personal Banking
NRI Banking
Wholesale Banking
Corporate
Small and Medium Enterprises
Financial Institutions & Trusts
Government Sector
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Research Methodology
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Research Methodology
Research design is a formal plan of action for a research project. Research design
help researchers to layout their research questions, methodologies, implementation,
procedures and data collection and analysis for the conduct of a research project.
Generally there are three types of research design quantitative design, qualitative
design and mixed methods design. Research design is a decision making process.
During the decision making process, the researcher should choose from many
design alternatives and consider over the trade-offs of each approach and decide
the best possible solution. Generally speaking, the research design decisions are
influenced by the questions the investigator is trying to answer, by the resource
such time, trained personnel and money that the researcher have at hand, by the
characteristics of the research sites, and also by the researchers personal
preferences.
A research is a logical and a systematic plan prepared for directing a
research study. It specifies the objectives of the study, methodology and technique
to be adopted for achieving the objective. It constraints the blue print for the
collection, measurement and analysis of the data.
A research design is the arrangement of condition for collection and analysis
of data in a manner that aims to combine relevance to the research purpose with
economy in procedure.
Statement of the Problem
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Problem Definition
1. Ratio analysis using financial statements includes accounting, stock market, and
management related limitation. These limits live analysts with remaining questions
about the company.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
well as accounting mismanagement, which involves distorting the raw data using
to derive financial ratios. While accounting measures may have more external
standards and over sides than many other ways of benchmarking companies, this is
still a limit. Ratio analysis using financial statements as a tool for performing stock
valuation can be limited as well.
3. At the management and investor level, ratio analysis using financial statements
can also leave out a number of important aspects of a firms success, such as key
intangible, like brand, relationship, skills, culture. These are primary drivers of
success over the longer term even though they are absent from conventional
financial statements.
4. Other disadvantages of this type of analysis are that if used alone it can present
an overly simplistic view of the company by distilling a great deal of information
into a single no or series of numbers
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
To study the various financial statements like balance sheet and profit and
loss statement, etc. of bank.
To analysis the financial statement to evaluate the performance of the bank
during the proposed period.
Studying the importance of housing,Demand for housing and house finance
in India.
To analysis the trends in housing finance by LICHFL & HDFC.
To evaluate the impact of tax consideration on housing finance with respect
to LICHFL & HDFC.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
The study of financial ration will help to us compare the financial health of
HDFC banks.
The study will help to analyze the financial position of the HDFC bank.
The study is used to analyze whether an entity is stable, solvent, liquid, or
profitable enough to be invested in.
The study will helps in planning and forecasting.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Limitation:-
Time: - The research is this project is limited to the time span 5 years (2010
to 2015)
All the ratio of the study may not be sufficient for analysis as this study will
include only limited number of the ratios for analysis.
Geographical area: - The research in this project is limited to Gondia city.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Theoretical Perspective
Quick Ratio Formula| Acid Test Ratio| Acid Ratio| Liquidity Ratio
The quick ratio formula matches the most easily liquidated portion of current assets
with current liabilities. The intent of this ration is to see if a business has sufficient assets
that are immediately convertible to cash to pay its bills. The key elements of current
assets that are included in the quick ratio are cash, marketable securities, and account
receivable. Inventory is not included in the quick ratio, since it can be quite difficult to
sell off in the short term. Because of the exclusion of inventory from the formula, the
quick ratio is a better indicator than the current ratio of the ability of a company to pay its
obligation.
To calculate the quick ratio, summarize cash, marketable securities and trade receivable,
and divide by current liabilities. Do not include in the numerator any excessively old
receivable trhat are not likely to be paid. The formula is:
Current Liabilities
The debt to equity ratio of a business is closely monitored by the leaders and creditors of
the company, since it can provide early warning that an organization is so overwhelmed
by debt that it is unable to meet its payment obligation. This is also a funding issue. For
example, the owner of a business may not want to contribute any more cash to the
company, so they acquire more debt to address the cash shortfall. Or, a company may use
debt to buy back shares, thereby increasing the return on investments to the remaining
shareholder.
Whatever the reason for debt usages, the outcome can be catastrophic, if corporate cash
flows are not sufficient to make ongoing debt payments. This is a concern to lenders
whose loans may not be paid back. Suppliers are also concerned about the ratio for the
same reason. A leader can protect its interest by improving collateral requirements or
restrictive covenants; suppliers usually offer credit its payment obligation to them.
To calculate the debt to equity ratio, simply divide total debt by equity. In this
calculation, the debt figure should also include all leases. The formula is:
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
The cash ratio compares the most liquid assets to current liabilities, to determine if
a company can meet its short-term obligation. It is the most conservative of all the
liquidity measurements, since it excludes inventory (which is included in the current
ratio) and account receivable (which is included in the quick ratio)
Current Liabilities
The return on equity ratio (also known as the return on net worth) reveals the
amount of returns earned by investor on their investment in business. This return can be
improved when a business buys back its own stock from investors, or by using more debt
and less equity its operation.
The use of debt to buy back stock and thereby increase the return on equity
can backfire. The new debt brings with it a new fixed expense in the form of interest
payments. If sales decline, this added cost of debt could trigger a step decline in profits
that could end in bankruptcy. Thus, a business that relies too much on debt to enhance its
shareholder returns may find itself in significant financial trouble.
To calculate the return on equity, simply divide net income by the total amount of equity.
The formula is:
Net Income
Equity
The earning per share ratio (EPS Ratio) measure the amount of a companys net income
that is theoretically available for payments to the holder of its common stock. A company
with high earning per ratio is capable of generating a significant dividend for investors, or
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
it may slow the funds back into its business for more growth; in either case, a high ratio
indicates a potentially worthwhile investment, depending on the market price of the
stock.
If an investor is primarily interested in a steady source of income, the EPS ratio is useful
for estimating the amount of room that a company has for increasing its existing dividend
amount. However, in many cases simply reviewing a companys history of making
changes to its dividend is a better indicator of the actual size of future dividends.
Formula: Subtract any dividend payments due to the holders of preferred stock from net
income after tax, and divide by the average number of common shares outstanding during
the measurement period. The calculation is:
The net profit percentage is the ration of after-tax profits to net sales. It reveals the
remaining of profit after all costs of production and administration have been deducted
from sales, and income taxes recognized. As such it is one of the best measures of the
overall results of a firm, especially when combined with an evaluation of how well it is
using its working capital. The measure is commonly reported on a trend line, to judge
performance over time. It is used to compare the result of business with its competitors.
Net profit is not an indicator of cash flows, since net profit incorporates number of non-
cash expenses, such as accrued expenses and depreciation.
The formula for the net profit ratio =(Net profit / Net sales) x 100
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
1. Following table shows the Employee cost for years 2010-2015 in percentage are below.
Table No. 1
Cost
Following graph represent the fluctuation of employee cost incurred by HDFC bank.
200
167.51 171.99
50
0
2010-2011 2011-2012 2012-2013 2013-2014 2014-2015
Interpretation
In 2010 the employee cost has high and it is increasing up to 2011. Due to
increasing customer base of bank which required large human resources.
In 2012 to 2013 the employee cost incurred by the bank is less because the effect
of recession which lead to job cutting.
In 2013 to 2014 the employee cost has nearly same because the effect of inflation
may one of the reason of reduces the expenditure of the bank and get opportunity
for use these expenditure for others investment.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
2. Following table shows the Operating Expenses for the year of 2010-2015 in % are given
below.
Table No. 2
Operating
Expenses in 151.9026 185.2641 105.6614 104.4389 114.8692
%
Chart Title
Series 1 Series 2 Series4 Series5
186.26
151.90
105.66 104.44
Interpretation
In 2010 to 2012 the operating cost has increased because the employees
cost has increased which increased the investment of the bank on his
employee.
In 2012 to 2015 the operating cost has remained same because the bank do
not want to increase his expenditure because the recession has may hit the
bank and also inflation may also one of the reason of fewer expenses.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
3. Following table shows the Equity Dividend for the year 2010-2015 in %are as given below.
Table No. 3
Equity
Dividend 70 85 100 120 165 215
(%)
250
215
200
165
150
120
100
100 85
70
50
0
2010 2011 2012 2013 2014 2015
Interpretation
From 2010 to 2015 the bank has provide good dividend to his equity shareholder. It has
been observe from the graph bank has good financial stability as well as good
profitability which help him to retain his shareholder with them.
It well help the bank to create a new investment from the market because of the good
dividend provide by the bank.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
4. Following table shows the Earning per Share in Rs for the year 2010 to 2015 are as given
below
Table No. 4
Earnings
Per Share 43.29 44.87 52.77 64.42 84.40 22.02
(Rs)
90 84.4
80
70 64.42
60
52.77
50 44.87
43.29
40
30
22.02
20
10
0
2010 2011 2012 2013 2014 2015
Interpretation
From 2010 to 2014Earnings per share of the equity shareholder has increase this
has create a good image of the bank in the mind of shareholder.
In 2015 an Earning per share of the bank has gone down because the bank want
to retained his profit with them which help to expansion of business.
Government Policies has one of the reasons to retain of profit them which avoid
any disturbance in work.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Some important heads in Balance sheet useful for comparison for the purpose of analysis are as
given below:
Balance Sheets
Equity
share 319.39 354.43 425.38 457.74 467.23 469.34
capital
Cash &
Balances 5,182.48 12,553.18 13,527.21 15,483.28 25,100.82 14,991.09
With RBI
Above heads are comes under Balance sheet of the bank. This heads play important role to
define financial position of the bank.
Equity share Capital: It refers to the own investment of the equity shareholder in capital of the
bank. On behalf of this investment they get dividend.
Reserves of Bank: Reserves are the profit achieve by a bank where a certain amount it is put
back into the business which can help the business in their rainy days.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Investments: It refers to the purchase of financial product or other item of valve which an
expectation of favorable future returns. The sum of current or long term assets owned by bank
which is required for day to day expenses purpose.
Total Assets: It refers to the total holding of bank in term of fixed ¤t of assets. The
maximum asset shows the net worth of bank &soundness of business.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
5. Following table shows the Equity share Capital for the year 2010-2015 in % are as given
below.
Table 5
Equity
share 319.99 354.43 425.38 457.74 465.23 469.34
Capital
600 565.23
500 469.34
457.74
425.38
400
354.43
319.99
300
200
100
5
0
2010 2011 2012 2013 2014 2015
Interpretation
From the above graph it has observe that an equity share capital has increased from 2010
to 2015 and which seems that bank wants to expand their business or acquire other
companies to boost top line growth. There are different in which an equity stake can be
sold in to raise funds.
Due to increases in share capital of the bank which creates a good images in the eye of
stake holder which that will increases the opportunity of growth.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
6. Following table shows the reserves for the years 2010 to 2015 in 5 are as given below
Table No. 6
Chart Title
Series 1 Series 2 Series 3
182.26
148.07
127.67
118.27
Interpretation
Reserves requirements are to improve the safety and soundness of depository institution.
The higher the reserve requirements, these after depository institution are held to be.
In 2010 to 2011 the reserves of the bank has high which shows the safer depository in the
time of recession
In 2012- to 2015 the reserves of the bank has the less as compared to previous because
they want to increases their business operation which required huge finance . This finance
has generated from the reserves itself.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
7. Following table shows the Borrowing of the bank for the years 2010 to 2015 are as
given below.
Table No. 7
30000
25000 23846.51
20000
14394.69
15000 12915.63
10000
4478.86
5000
2815.39 2685.84
0
2010 2011 2012 213 2014 2015
Interpretation
From the above graph it has observe that Borrowing has increased from 2010 to
2015 and which seems that bank wants to expand their Business or acquire other
companies to boost top line growth. There are different ways through which the
bank generates borrowing for increases the business operation.
Due to increase in borrowing this creates a futuristic approach of new Business
ventures.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
8. Following table shows the cash & balanced with RBI for the years 2010 to 2015 are as given
below.
Table no. 8
Cash &
Balance 5182.48 12553.18 13527.21 15483.28 25100.82 14991.09
with RBI
30000
25100.82
25000
20000
15483.28
15000 13527.21
12553.18
10000
5182.48
5000
0
2010 2011 2012 2013 2014 2015
Interpretation
From the above graph it has observe that bank has to maintained a good Total assets from
2010-2015 and which seems that bank do not to take risk to reduce his net worth in the
operation.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
9. Following table shows the investment for the year 2010 to 2015 are as given below
Table No. 9
120000
97482.91
100000
80000 70929.37
58817.55 58607.62
60000 49393.54
40000 30564.8
20000
0
2010 2011 2012 2013 2014 2015
Interpretation
From the above graph it has observe that an investments has increased from 2010 to 2015
and which seems that bank wants to Expand their Business or acquire other companies to
boost top line growth. There are different ways to generate finance and used to for new
investment which they get good returns.
Due to increases in Investment of the bank which creates an good images in the eye of
stake holder that bank will increases the opportunity of growth.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
10. Following table shows the total assets for the years 2010-2015 are as given below
Table No. 10
Total Assets
(%) 145.9699782 137.6148513 121.3824157 124.6761081 121.8339
Graph No. 10
160 145.97
137.61
140
121.38 124.68
120
100
80
60
40
20
0
2010-2011 2011-2012 2012-2013 2013-2014 2014-2015
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Findings
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
FINDINGS
Net profit ratio is increased in 2013-14 because bank earns more profit in
that year as compare to other years.
The return on equity is more 2011-12 due to increases in its income.
The return on investment is low in 2010-11 due to its low income as
compare to other years.
The return on total asset is in 2011-12 is more than other year.
Operating profitratio is better in 2014-2015 due to low operating expenses.
EPS of bank is increased year by year.
In interest coverage ratio show up and downs in the ratio due to change in
the interest expenses.
Debt to equity ratio is not 2:1 because bank provides maximum debt.
Current ratio shows the changing position year from 2010 to 2015. Current
assets and current liabilities also change in every year.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Conclusion
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
CONCLUSION
From the study of financial statement of the HDFC bank from last five years the
following conclusion are drawn.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Suggestion
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Suggestion
The bank should increase its current assets to improve the liquidity position of the
Bank.
2. The bank should try to earn more profit in future to sustain in cut- throat
competition.
3. The bank should increase their total assets for development of banks.
5. The bank should reimburse at low interest and disburse at high interest.
The bank should acquire new sources of income like fee base and fund base.
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Bibliography
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
Bibliography
Websites:
http://www.thehindubusinessline.com
http://economictimes.indiatimes.com
http://www.hdfcbank.com
http://mgmtfunda.com/swot-analysis-of -hdfc-bank/
www.Moneycontrol.com
Books:
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
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Annexure
3. What are the operating expenses of HDFC bank in year 2010 to 2015?
a) 151.9026 b)185.2641
c) 185.2641 d) 104.4389
6. Are you satisfied the HDFC bank provide good facilities or not ?
a) Yes
b) No
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A STUDY ON FINANCE FUNCTION OF BANK WITH REFERENCE TO HDFC BANK,
GONDIA BRANCH
a) 43.29 b) 84.4
c) 84.40 d) 22.02
13. In the month of March 2013 the equity share capital are increase or
decrease?
a) yes b) no c) both d) none of this
15. What is the highest investment of HDFC bank in the year 2010 to 2015?
a) 97482.91 b) 58607.62
c) 30564.8 d) 4939.54
Expected Contribution:
1. The study of financial ratios will help used to compare the financial health of
HDFC banks.
2. The study will help analysis the financial positions of the capital of HDFC bank.
54