Presentation in the Banking sector

Subject:-Business Aspects In Banking and Insurance

The bank we have chosen is :-

Group members

S.Y.BMS-C

Introduction To Banking To HDFC Wide Range of Services Retail Banking Wholesale Banking Treasury HDFC In Detail Achievements Capital Structure Approach

Overview of our project

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.

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. Jagdish Kapoor , Chairman

Mr. Aditya Puri, Managing director

Keki Mistry, Managing Director Mr. Harish Engineer, Executive directors

Mr. A Rajan, Country Head-Operations

Mr. Rahul Bhagat, Vice president

History

MISSION :

World Class Indian Bank.

OBJECTIVE :
Maintain Ethical Standards, Professional Integrity & Cooperate Governance.

13

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.

Camels 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

RETAIL BANKING

Wide Range of Services

Wholesale Banking
Treasury

Loan

NRI Services Insurance Sales Mutual Fund Sales

Depository products

RETAIL BANKING

POS Terminals

Cards

Commercial Banking Government Transactional Banking

Wholesale Banking
Financial Institution
Supply Chain

Large corporate

Foreign Exchange
Equity

Asset Liability Management

Treasury
Derivatives

Debt Securities Statutory Reserve Management

Distribution network

As on March 31, 2012

2,544 branches and 8,913 ATMs in 1,399

1,986 branches and 5,471 ATMs in 996 cities

As on March 31,2011

Net profit: 5,167 crore. An increase of 31.6% compared to the previous year

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

Balance sheet size: 337,909 crore as at 31st March 2012

Highlights
Tier I capital ratio: 11.6% Total deposits: 246,706 crore. An increase of 18.3% compared to the previous year

Capital Adequacy Ratio: 16.5%. Regulatory minimum requirement is 9%

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

Strength

Threats

Weakness

Opportunities

A flower seller expands her business

Bag makers achieve success

Floras business prospers

Plantain farming thrives in Kerala

Bebis Jari making enterprise grows

Sustainable Livelihood Banking

Dun & Bradstreet Banking Awards 2012 ICAI Awards 2011

IDRBT Banking Technology Excellence Awards 2011-12

Skoch foundation 2012

Asia Money 2012

2012
India's Top 500 Companies -Dun & Bradstreet Corporate Awards Finance Asia UTI Mutual Fund CNBC TV 18 Financial Advisor Awards 2011

5th Loyalty Summit award

Asian Banker International Excellence in Retail Financial Services Awards 2012

Dun & Bradstreet Banking Awards 2011 CNBC TV18's Best Bank & Financial Institution Awards

Outlook Money Best Bank Award 2011

Best Commercial Vehicle Financier

Businessworld Best Bank award

BCI Continuity & Resilience Award

IDC FIIA Awards 2011

IBA Banking Technology Awards 2010

2011

Financial Express Best Bank Survey 2010-11

Bloomberg UTV's Financial Leadership Awards 2011

ISACA 2011 award for IT Governance

Asian Banker

FINANCE ASIA Country Awards 2011: India

Euromoney Awards for Excellence 2011

DSCI Excellence Awards 2011

IBA Productivity Excellence Awards 2011

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

www.hdfcbank.com
Hdfc bank Dadar branch

Thank You.