HDFC Bank is one of India's largest private banks, having been one of the first

to gain Reserve Bank of India (RBI) clearance to open a private sector bank in
1994. HDFC Bank now has 5,608 branches and 14,897 ATMs spread
throughout 2,902 cities and towns.

HDFC operates in the following 3 tiers:

Retail Banking: Customers may access a wide range of financial goods and
services through HDFC Bank's increasing branch and ATM network, as well as
digital channels including Net banking, Phone banking, and Mobile Banking.
Wholesale Banking: Businesses and organisations of all sizes can use HDFC
Bank's commercial and transactional banking services. Working capital
financing, trade services, transactional services, and cash management are some
of the services we provide.
Treasury: We assist businesses in generating greater returns on their assets and
managing financial risk through our treasury services. Foreign exchange and
derivatives, local currency money market and debt securities, and stocks are the
three major product categories in which we specialise.

History:
HDFC Bank, a subsidiary of the Housing Development Finance Corporation,
was founded in 1994 and is headquartered in Mumbai, Maharashtra, India.
Manmohan Singh, the Union Finance Minister, opened the company's first
corporate office and a full-service branch at Sandoz House in Worli. The Bank's
distribution network included 5,500 branches in 2,764 cities as of 30 June
2019.In fiscal year 2017, the bank also deployed 430,000 point-of-sale
terminals and issued 23,570,000 debit cards and 12 million credit cards. As of
March 21, 2020, it has 1,16,971 permanent workers.
Shareholding Pattern of HDFC Bank:
The Promoter's Holding, FII's Holding, DII's Holding, and Share Holding by the
General Public are all listed on HDFC Bank Ltd.'s Shareholding Pattern page.
Management Team of HDFC Bank:

Name Designation

Sashidhar Jagdishan MD & CEO

Mr. Sashidhar Jagdishan is the Managing

Director & Chief Executive Officer of the
Bank. He succeeds Mr Aditya Puri, the
iconic Managing Director who led the
bank since inception and retired on
October 26, 2020.

Kaizad Bharucha Executive Director

Mr. Kaizad M Bharucha has been

appointed as an Additional Director by
the Board of Directors at its meeting held
on December 24, 2013 and designated as
an Executive Director, subject to the
approval of the shareholders and the
Reserve Bank of India. Mr. Bharucha
holds a Bachelor's degree in Commerce
(B.Com) from the University of Mumbai.

Arvind Kapil Country Head – Retail Sales

As Retail Assets Head, Mr. Kapil heads

the bank’s entire Retail Lending franchise
which comprises Unsecured Loans
portfolio, Auto Loans business, Loans
against Property, Two-wheeler Loans,
Retail Working Capital Loans, Gold
Loan, Loan against Shares, Microfinance,
Home Loans, and Business Loans, among
others.

Arvind Vohra Group Head – Retail Branch

Banking
In a career spanning over two decades,
Mr. Vohra has worked with consumer
centric categories in industries across the
spectrum including Banking,
Telecommunications, Consumer
Durables, and Healthcare.

Ashima Bhat Group Head – Business Finance

Ashima heads the Business Finance and

Strategy, Administration, and
Infrastructure functions at HDFC Bank.
In her current role, she is responsible for
the Bank's Sustainability and CSR
function, among others. She leads the
team that is creating the Bank's roadmap
for environmental, social and governance
(ESG) initiatives and driving its
implementation.
Ashish Parthasarthy Treasurer

Mr. Ashish Parthasarthy holds a Bachelor

of Engineering degree from the Karnataka
Regional Engineering College and has a
Post-Graduate Diploma in Management
from the Indian Institute of Management,
Bangalore.

Nirav Shah Group Head – Corporate Banking

Nirav Shah, 49, is currently the Group

Head – Corporate Banking at HDFC
Bank. In his current role, he’s responsible
for extending the bank’s wide range of
products and services to large corporates
and MNCs.
Shrinivasan Vaidyanathan CFO

Srinivasan joins the Bank from Citigroup,

New York where he was Managing
Director – Finance & Deputy Treasurer in
the Institutional Clients Group, managing
a Balance Sheet of over $ 1.3 trillion.
Prior to this, he was the CFO in Citi
Global Treasury, NY. He joined Citi in
1991 and has held regional and global
leadership positions in diverse
geographies such as Singapore, Hong
Kong, and New York. He brings varied
expertise in products and processes
having covered Retail, Cards, &
institutional businesses and corporate
functions.

SWOT Analysis:
Strengths:
a) HDFC Bank has a high level of client loyalty compared to other private
banks.
b) HDFC is one of the finest places to work in the private banking business,
with a low turnover rate.
c) HDFC has received several accolades and honours from financial rating
organisations including as Dun and Bradstreet, Financial Express,
Euromoney awards for innovation, Finance Asia national awards, and
others, including several ‘Best Bank' awards.
d) Customers are guided to appropriate investment alternatives by a huge
number of financial experts at HDFC.
e) HDFC Bank has a strong financial position, with five years of continuous
earnings and accrued revenue reserves that may be utilised to support
prospective capital expenditures.
f) HDFC employs 104154 full-time employees on a permanent basis. HDFC
Bank has made substantial investments in its workforce training, resulting
in the hiring of a large number of skilled and motivated employees.
g) HDFC Bank's creative teams have assisted it in developing new products
and expanding into new areas.
h) It has previously been successful in most of the new market ventures it
has undertaken.

Weaknesses:
a) HDFC Bank does not have a strong presence in rural regions, where its
main competitor, ICICI Bank, is developing.
b) HDFC does not have first-mover advantages in rural regions. When it
comes to financial institutions, rural inhabitants are staunch supporters.
c) Like ICICI, HDFC lacks efficient marketing strategies.
d) The bank mostly serves high-end customers.
e) Any of the bank's commodities groups has a poor track record and
minimal market presence.
 f) HDFC's stock price fluctuates often, leaving investors perplexed.

Opportunities:
a) Since HDFC banks have stricter asset quality standards than government
banks, profits growth might accelerate.
b) The number of large corporations and small businesses is rapidly
increasing. HDFC has a proven track record when it comes to managing
corporate pay accounts.
c) HDFC Bank has expanded its bad debt portfolio, and its bad debt
recovery rate is strong when compared to government banks.
d) HDFC has a lot of international prospects.
e) Due to a strong financial role for investments and strategic partnerships,
there is more scope.

Threats:
a) HDFC's non-performing assets (NPA) increased from 0.18 to 0.20
percent. While this is a tiny step forward, it does not bode well for the
bank's financial stability.
b) In India, non-banking financial businesses and modern-era banks are on
the rise.
c) When ICICI poses a substantial competition, HDFC is unlikely to grow
its market share.
d) Government banks are attempting to reorganise in order to deal with
commercial banks.
e) The Reserve Bank of India has allowed foreign banks to invest up to 74
percent of their profits in the Indian market.
Competitors of HDFC Bank:
Axis Bank: Axis Bank is India's third largest private-sector bank, offering a
wide range of financial services.
ICICI Bank: ICICI Bank is a private sector bank that provides banking and
financial services.
Indusland Bank: IndusInd Bank is one of the leading Private Sector Banks of
the country.
Punjab National Bank: Punjab National Bank is an Indian multinational banking
and financial services company.
Bank of Baroda: Bank of Baroda is an Indian state-owned banking and financial
services company headquartered in Vadodara in Gujarat, India.