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Damani vivek. Khambholiya Manan. Pokar Bhargav. Hirpara Sailesh Rasadiya Mehul.
Founder of HDFC
Hasmukh Bhai parekh In 1956 he began his financial affairs.
In 1992, government of India honored him with Padma Bhushan.
In 1994 he abode the earth.
Housing Development Finance Corporation
HDFC Bank was incorporated in August 1994
Among the first in new generation commercial banks Was amongst the first to receive an 'in-principle'
approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994. Registered office in Mumbai, India Listed in NSE and BSE
Rahul Bhagat. Managing director Keki Mistry. Managing Director Mr. Country Head-Operations Mr. A Rajan. Aditya Puri. Harish Engineer. Mr.BOARD OF DIRECTORS Mr. Vice president . Jagdish Kapoor . chairman of HDFC Bank. Executive directors Mr.
Leveraging technology to service customers quickly and conveniently.HDFC Focuses on Understanding the needs of customers and offering them superior product and service. To create quality of consumers and not quantity of Consumers. Providing and enabling environment to foster growth and learning for the employees. .
THE THREE MAJOR FUNCTIONS OF HDFC BANK HDFC Bank deals with three key business segments: Retail Banking Services Wholesale Banking Services Treasury Operations .
000 shareholders .4% of the bank's equity Roughly 28% of the equity is held by Foreign Institutional Investors (FIIs) and the bank has about 570.2 billion).6 crore (Rs.5 billion).Capital Structure The authorized capital of HDFC Bank is Rs550 crore (Rs5.4. The paid-up capital is Rs424. The HDFC Group holds 19.
London & Singapore .NETWORK 761 branches 1977 ATM’s in the country 327 cities in India 16 branches in Middle east 6 in Africa Representative offices in Hong Kong. New York.
Ajmer Laxmi narayan mandir Delhi Mata vaishno devi Mandir Jagan Nath temple Shirdi Sai baba Golden temple Amarnath temple .Accounts of Religious institutions Shree siddhivinayak Ganpat Dargah khwaja sahib .
ASSOCIATE COMPANIES .
NEW LOGO AND TAG LINE .
SERVICES ATM Credit Cards Net Banking Phone Banking Mobile Banking Loans .
HDFC Bank merged with CENTURION BANK OF PUNJAB in 2007. HDFC Bank chosen as one of Asia Pacific’s best 50 companies by Forbes magazine. 'Best Bank in the Private Sector 2008.Achievements HDFC Bank merged with TIMES BANK in 2000. HDFC Bank wins the Asian Banker Best Retail Bank in India Award 2008 for outstanding performance. .' HDFC Bank ties up with Qatar National Bank.
VISION Increase market share in India’s banking sector Leverage technology platform Maintain standards for asset quality Focus on high earnings growth with low volatility Develop innovative products and services .
. risk management and audit & compliance. service levels. technology.MISSION Mission is to be "a World Class Indian Bank“ Benchmarking ourselves against: international standards and best practices in terms of product offerings.
VALUES Business philosophy is based on four core values Customer Focus Operational Excellence Product Leadership People .
Analysis and Interpretation .
RATIO ANALYSIS CLASSIFICATION OF RATIOS Current Ratio RCE Ratio Quick Ratio Ratio Analysis Net Profit Ratio Net Assets value Ratio DebtEquity Ratio .
44 1.48 1.46 1.34 1.42 1.40 1.36 1.47 1.32 2010 2011 2012 year .Current Ratio Current ratio = Current assets Current liabilities 1.39 in % 1.38 1.36 1.
47:1 & 1. it shows that the bank has 1. The ratio 2:1 is considered as a safe margin of solvency due to the fact that if the current assets are reduced to half i. . • Here. 1 instead of 2 then the creditors will be able to get their payments in full. 1.36:1.39:1 which is quite satisfactory but can be improved by better turnover and profit and also by decreasing liabilities.Interpretation: • An ideal current ratio is 2:1.e.
6 0.4 0.7 0.55 0.2 0.3 0.Quick Ratio Quick ratio = quick asset Current liability 0.1 0 2010 2011 year 2012 .5 in % 0.69 0.6 0.
Interpretation • If the ratio 1:1 then firm has enough cash on hand to meet all current liabilities. • In 2009-2010 year’s ratio is 0. In the cash position ratio cash is increase in 2010-11 compare with 2009-10.60:1 & 2011-12 year’s ratio is 0. And also marketable securities increase in 2012 . In cash position ratio 1:1 is satisfactory result. It means the good position for the bank.55:1 & 2010-11 year’s ratio is0.69.
5 3 % 2.•Debt – Equity Ratio Debt Equity Ratio: = Long Term liability *100 Shareholders Fund 4.98 in 5 4.5 1 0.06 2010 year 2011 2012 .5 2 1.5 0 4.39 4.5 4 3.
Interpretation •This ratio is continues increasing but the figures are not satisfactory. It should be 10 times higher than the present position. . This ratio indicates equity capital or owner’s capital is increasing.
86 0.854 4.856 0.86 0.866 0.34 2010 2011 2012 year .87 0.57 4.864 in % 0.•Net Assets Value(NAV) :- •NAV Ratio = Equity Shareholder’s Fund No.858 0. Of Equity Share 3.862 0.868 0.
it means that outside liabilities is always less than total assets. . total assets are far more than external liabilities.57:1 and increase in 2011 is 4.Interpretation • In this ratio. The banks treated solvent.35. In solvency ratio in 2010 is 4.
•Net profit ratio Net profit ratio = Net profit ×100 Sales 12.25 12.4 12.35 12.37 12.1 12.2 12.3 in % 12.2 2010 2011 2012 year .37 12.15 12.
& in 2011-12 the net profit ratio is 12.Interpretation • Generally this ratio is required 10 to 15%. If it is more than 15% than it shows good position but if it under 15% it is not good but required position is good. • In 2010.20%.37% it is good for bank. .11the net profit ratio is 12.
6 1.58 1.58 1.595 1.6 1.585 1.58 2010 2011 2012 year .•RAM ratio Return on capital employed ratio = Net profit X 100 Capital Employed 1.59 in % 1.57 1.575 1.
Interpretation • Return on capital employed is stable around 1. This ratio also shows wrote position. Because this is not satisfactory return on capital employed.60%. So that it can be said that return on capital employed is lower. In accordance to banking industry it should be between 2% to 4%. .
Recommendations Better inventory management is required because it’s consistently decreasing which is an obstacle to be in competition They are market leader but their nearest competitor is very close with respect to market share. So if they want to compete with them it is necessary to utilize their resource in best way .
Bank will can come to know that what effective measure can be take to maintain the effective use of resources. .CONCLUSION Success is achieved by those who try where there is nothing to lose by trying and a great deal to gain if successful. I hope that I have helped shed some light on this topic and that you will use this information to make educated investment decision. • Such results and conclusions are definitely helpful in order to achieve goals of the organization in this modern business world. by all means try” •The study may be a helpful step ahead in increasing the morale of each Employee • By studying this. it is no easy task. •There is a lot to be said for valuing a company.