Competitive Intelligence of

Credits
Deepanshu Wadhwa Medhavi Verma Priyanka Sharma Souparna Chakrobarty Madhav Sharma

About
Housing Development Finance Corporation Limited Amongst the first to receive an In Principle approval from the Reserve Bank of India. Incorporated in August 1994 , Mumbai Commenced operations as commercial Bank in January,1995. HDFC began with a simple mission to be World Class Indian Bank .
Source: www.hdfcbank.com, www.moneycontrol.com

Why
Top Private Bank in India Unique

is :

Top Private Bank in India

No. 1 in market capitalization, that is, Rs.1,57,357.97 crores Coverage of 2,776 branches and 10,490 ATMs in 1568 cities. Network of Skilled Professionals including : - Research Analyst - Portfolio Managers and - Product specialists Advisors helps a client to realize wealth opportunities via: - Investment options - Financial Instruments Quality Control at every step on sales process as well as on the advice provided to clients.
Source: www.hdfcbank.com, www.moneycontrol.com

Uniqueness
2nd Largest Private sector Bank , its basic focus is to provide quality services. Tailor made Private Banking services , which are :

Profiling
Ascertain investor profile

Asset Allocation Proportion of investment in each asset class . Helps in reducing the overall risk of a portfolio

Understanding goals
Risk tolerance

Diagrammatic Comparison
50 45 40 35 30 25 HDFC AXIS

20
15 10 5 0

Total assets

Total investments

Financial Stability of HDFC

HDFC Bank, India's No.3 lender, beat forecasts with a 30.6 percent rise in quarterly profit.Mumbai-based HDFC Bank said on Friday,ie. 25th january 2013, its net profit was 14.17 billion rupees ($253.62 million) in the fiscal first quarter-ended June.
Private sector lender, IndusInd Bank posted a 30 per cent jump in net profit during the third quarter of the financial year.Net profit for the quarter was Rs 267.27 crore as against Rs 205.96 crore in the corresponding quarter of the previous year. Axis Bank's net profit for the quarter ended June 2012 grew to Rs 1153 crore, up 22 per cent, against a net profit of Rs 942.4 crore Year-on-Year (YoY). The net profit was in line with an ET Now poll of Rs 1140.3 crore.

Source: www.hdfcbank.com, www.moneycontrol.com

Brief Comparison
Category No. of employees Avg. net profit/employee Net Sales Total revenues Gross profit Profit after tax Current assets Share capital Debt to equity ratio Return on assets Return on equity EPS HDFC Bank 66 m 794.1 Rs.m 276,056Rs.m 330,580Rs.m 260,845Rs.m 52,471Rs.m 1,988,375Rs.m 4,693Rs.m 0.9 % 1.7 % 18.7% 22.1 AXIS Bank 32m 1,329.6Rs.m 219,949Rs.m 274,821Rs.m 208,534Rs.m 42,198RS.m 1,697,595Rs.m 4,132Rs.m 1.5 % 1.68 % 21.22% 102.94

Source: www.hdfcbank.com, www.moneycontrol.com

Comparative Advantage
Both HDFC Bank and ICICI are great banks but an investor I would prefer HDFC BANK because : ICICI has been diluting equity. The Net profit growth looks good but the EPS growth has not been all that great. HDFC Bank has an unmatched track record of growing at 30% for the last 10 years while ICICI has seen some swings in growth. On a price to add book basis ICICI trades at 2 times while HDFC Bank trades at 4.5 times. HDFC bank has a niche market whereas ICICI is all over the place. In times of sluggish demand ICICI will face the heat because it cannot beat the market it is itself the market. Source: www.hdfcbank.com, www.moneycontrol.com

HDFC Bank Growth Chart

Achievements
HDFC Bank wins the Asian Banker Best Retail Bank in India Award 2008 for outstanding performance. HDFC Bank chosen as one of Asia Pacifics best 50 companies by Forbes magazine 2012. 'Best Bank in the Private Sector 2008.' HDFC Bank ties up with Qatar National Bank. HDFC Bank merged with CENTURION BANK OF PUNJAB in 2007.

Source: www.hdfcbank.com, www.moneycontrol.com

Notable achievements
HDFC follows the model of a sound corporate governance The bank was amongst the first four companies, which subjected itself to a Corporate Governance and Value Creation (GVC) rating by CRISIL A very sound and effective risk management system in place to create a less risk assets portfolio. Uses Neural Technologies for risk management in its Credit Cards and other Retail Assets portfolios

Source: www.hdfcbank.com, www.moneycontrol.com

Sources
moneycontrol.com Googlescholar.com http://www.hdfcbank.com/htdocs/common/pdf/corpor ate/HDB_Annual_Report11_12.pdf http://www.moneycontrol.com/stocks/stock_market/c orp_notices.php?autono=604937

Thank You