Projecton HDFC bank on HDFC bank Project

By :Priyanka bharti By :Priyanka Neha sharma bharti Neha sharma Prashant gupta Prashant gupta Manish kumar Manish kumar

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BANKING ITS HISTORY BANKING IN INDIA MAJOR PLAYERS HDFC BANK BRANCH NETWORK BOARD OF DIRECTORS MISSON STRATEGY PRODUCT & SERVICES CAPITAL STRUCTURE ACHEIVEMENTS CUSTOMER RELATIONSHIP MANAGEMENT

BANKING y 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 the primary owners of industrial corporations . y Banks are important players in financial markets and offer financial services such as investment funds. y In some countries such as GERMANY. . y While in other countries such as the UNITED STATES banks are prohibited from owning non-financial companies.

. Banks probably predated the invention of money.C. y It was probably established sometime during the third millennium B.HISTORY OF BANKING y The first banks were probably the religious temples of the ancient world. y There are extant records of loans from the 18th century BC in Babylon that were made by temple priests or monks to merchants.

y The first fully Indian owned bank was the ALLAHABAD BANK. established in 1865. y The first banks were THE GENERAL BANK OF INDIA. y The oldest bank in existence in India is the STATE BANK OF INDIA. which started in 1786. which originated in the BANK OF CALCUTTA in June 1806.BANKING IN INDIA y Banking in India originated in the last decades of the 18th century. . both of which are now defunct. and BANK OF HINDUSTAN.

Major players in India y y y y y y y y y y y State Bank of India HDFC Bank ICICI Bank HSBC Bank IDBI Bank Citi Bank Axis Bank Punjab national Bank ING Vysya Bank Union Bank of India ABN AMRO Bank .

The balance sheet size of the combined entity is more than Rs. .000 crore and net advances of about Rs.HDFC Bank y HDFC Bank was incorporated in 1994 by Housing Development Finance Corporation Limited (HDFC) y It was among the first companies to receive an 'in principle' approval from the Reserve Bank of India to set up a bank in the private sector. y It started operations as a scheduled commercial bank in January 1995 under the RBI's liberalization policies.89. 1.000 crore. y In 2008 HDFC Bank acquired Centurion bank of Punjab taking its total branches to more than 1. in 2000..000 crore.000. y The amalgamated bank emerged with a base of about Rs. 1.22.63. y Times Bank Limited was merged with HDFC Bank Ltd.

NETWORK y 1725 branches y 4724 ATM s y More than 780 cities y All branches are OLRT connected y 500 locations for telephone banking .

Harish Engineer Country head operation Mr.Radhakrishnan Executive director Mr. A Rajan Managing director Keki Mistry .Board of director Managing Director Aditya Puri Chairman of the Board Jagdish Capoor Vice president R.

MISSION y World Class Indian Bank y Benchmarking against international standards. technology. service levels. y To create a strong customer base . y Best practices in terms of product offerings. risk management and audit & compliance.

‡ Develop innovative products and services that attract the targeted customers ‡ Continue to develop products and services that reduce bank s cost of funds. ‡ Leverage technology platform and open scalable systems to deliver more products to more customers and to control operating costs. ‡ Focus on high earnings growth .Strategy ‡ Increase market share in India s expanding banking and financial services industry by following a disciplined growth strategy focusing on quality and delivering high quality customer service. ‡ Maintain current high standards for asset quality through disciplined credit risk management.

roduct & services y Travelers Cheques y credit card y home loan y personal loan y Foreign Currency Cash y Foreign Currency Demand Drafts y Cheque Deposits y Remittances y Trade Services y Mutual funds y Insurance .

y Credit Card : Credit Card can be used for all your requirements. eating out. documentation is minimal and approval is quick. planned . unlike cash which can be stolen and misused by anybody. railway ticket reservations . y Home loan : Home loans for individual to purchase or construct y ersonal Loans : The procedure of personal loan is simple. be it shopping. fuelling up your vehicle. houses.just about any financial requirement. immediately. and only against your signature. You can encash them only when you need to.roduct y Travellers Cheques : Travellers Cheques are a safe and easy way to protect your money when you travel. holidaying. .

Canadian dollars (CAD) and New Zealand Dollars (NZD). EURO. paying for taxis / internal travel.Continue y Foreign Currency Cash : Foreign Currency Cash is a convenient way of meeting personal expenses along your journey. food expenses etc. Japanese Yen (JPY). Australian Dollars (AUD). y Foreign Currency Demand Drafts : Demand Drafts are issued in seven currencies like United States Dollars (USD). y Remittances : HDFC Bank offers the remittance facilities by which we can send and receive money to anyone. . y Foreign Currency Cheque Deposits : We can directly deposit our foreign currency cheques in to our saving or current account. They are categorized depending on location and the urgency with which we want the money transferred. Great Britain Pounds (GBP).

. retirements plans. standard life. etc. Like children future plans. ‡ Insurance : HDFC Bank offers a world of choice in insurance. ‡ HDFC Bank have 500 branches for trade services. ‡ Mutual funds : Mutual funds are funds that pool the money of several investors to invest in equity or debt markets.SERVICES ‡ Trade Service : HDFC Bank have people with high level of expertise and experience in trade services to provide services to suit specific requirements and structure solutions for business needs.

459. y Paid up capital of the bank is Rs.6 crore.CAPITAL STRUCTURE y Authorized share capital of the Bank is Rs. y Around 27 % of equity is with Foreign Institutional Investors (FII s).63% of bank s equity. 550 crore. y The HDFC Group holds 23. y Roughly 17% of equity is held by ADS Depository (in respect of the bank's American Depository Shares (ADS) Issue) .

y HDFC Bank merged with CENTURION BANK OF PUNJAB in 2007. y 'Best Bank in the Private Sector 2008.' y HDFC Bank ties up with Qatar National Bank.Achievements y HDFC Bank merged with TIMES BANK in 2000. . y HDFC Bank wins the Asian Banker Best Retail Bank in India Award 2008 for outstanding performance. y HDFC Bank chosen as one of Asia Pacific s best 50 companies by Forbes magazine.

Liquidity in the market is very high.1 among all private Sector banks. No. .HDFC Current Scenario ‡ HDFC is getting a tough competition from other ‡ ‡ ‡ ‡ ‡ leading banks. Profit margin is more than 3% on every transaction NPA s are in control as compare to others. Its Balance Sheet is growing from more than 25% every year.

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Kaizad Bharucha. commercial vehicle loans. Andhra Pradesh. cheques and cards were handed over to customers by Mr. auto loans and 2 wheeler loans. Rajasthan. across the country. which is amongst the largest of such events ever held in India a variety of loans such as tractor loans. The states include Gujarat. y The Bank is holding a total of 150 Gramin Loan Mahotsavas. Maharashtra. Credit and Market Risk. Tamil Nadu. vehicle keys.Mega loan mahotsav y HDFC Bank . held a Mega Loan Mahotsava in many parts of India . small and big. agricultural loans. . y HDFC Bank kick-started the Mega Loan Mahotsava under the bank's New Rural campaign in July 2010 at Pimpalgaon near Nasik in Maharashtra. Country Head. y kisan Gold Cards were given to rural customers. Karnataka. and various other states y At the Loan Mahotsava in Bhimavaram. y It s a 3-day Mahotsava.

Accounts of Religious institution ‡ There are more than 50 religious institutes which open there account in HDFC bank recently some of the famous temples are ‡ Shree siddhivinayak ganpati ‡ Dargah khwaja sahib .ajmer ‡ Laxmi narayan mandir delhi ‡ Mata vaishno devi mandir ‡ Jagannath temple ‡ Shirdi sai baba ‡ Golden temple ‡ Amarnath temple .

CRM at HDFC In HDFC. the CRM is integrated with core banking solutions and offers end to end functionality to effectively address the needs of the complete cycle of marketing. Key Modules: -Enterprise customer information file -Sales -Loan origination -Service -Call centre -Marketing . sales and service of banking products.

IDEA OFFER RIGHT CUSTOMER FOLLOW UP INTERACT CONTACT .

SWOT analysis Strengths ‡ Support of various promoters ‡ Knowledge of Indian Market ‡ Right strategy for right product ‡ High degree of customer satisfaction ‡ Dedicated work force aiming at making long-term career in field Weaknesses y customer service staff needs training y sectoral growth is constrained by low employment levels and competition for staff y Some gaps in range for certain sectors .

People are becoming more service oriented In the global market.Opportunities Growing Indian banking sector. ‡ Lack of infrastructure in rural areas could constrain investment . banks ‡ Future market trends. profit margins will be good Threats ‡ From various competitors -Foreign banks -govt.

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