INTERNSHIP TRAINING

AT
HDFC BANK LTD

DONE BY
S RIYAZ HAJA MOHIDEEN(18E4244)
Under the Guidance of
T.K. PRASAD
professor
SOM D.G.VAISHNAV COLLEGE
 HISTORY OF BANKING
 A bank is a financial institution that serves as
a financial intermediary.
 It came in 14th century
 Bank are known by different name in different
country as like banque in French , banc in German
, banca in Italian etc. which means a bench
counter
. Which used to exchange the monetary values
ABOUT HDFC BANK
 Housing Development Finance Corporation
 Founded in 1977 by Hasmukh bhai Parakh
 HDFC Bank was incorporated in August 1994
 The Bank started operations as a scheduled commercial
bank in January 1995 under the RBI's liberalization
policies
 It is the first in new generation commercial banks
 Registered office in Mumbai, India
 Promoted by HDFC, the parent company
 Listed in NSE, BSE, NYSE etc.
Times Bank Limited (owned by Bennett, Coleman &
Co./The Times Group) was merged with HDFC Bank
Ltd., on February 26, 2000. This was the first merger of
two private banks in India.
 • On May 23, 2008 HDFC Bank acquired Centurion Bank
of Punjab taking its total branches to more than 1,000.
 • HDFC Bank was the first bank in India to launch an
International Debit Card in association with VISA (Visa
Electron) and issues the Master Card Maestro debit card
as well.
ORGANIZATION STRUCTURE
 Wide Range of Products and Customer Segments
LOAN PRODUCTS
Auto Loan
Personal Loans
RETAIL BANKING
Home Loans / Mortgages
Commercial Vehicles Finance
Retail Business Banking
Credit Cards
Loans against Gold
2-Wheeler /Consumer Durable Loans
Construction Equipment Finance
Loans against Securities
Agri and Tractor loans
Education Loans
COMMERCIAL BANKING
WHOLESALE BANKING
Working Capital
Term Loans
Bill / Invoice discounting
Forex & Derivatives
Wholesale Deposits
Letters of Credit
Guarantees
PRODUCTS / SEGMENTS
TREASURY
Foreign Exchange
Debt Securities
Derivatives
Equities
COMPLETE SUITE OF PRODUCTS TO MEET DIVERSE CUSTOMERS’ NEEDS
DEPOSIT PRODUCTS OTHER PRODUCTS / SERVICES
Depository Accounts
Savings Accounts
Mutual Fund Sales
Current Accounts
Private Banking
Fixed / Recurring Deposits
Corporate Salary Accounts Insurance Sales (Life, General)
Escrow Accounts Non-resident Indian (NRI) Services
Bill Payment Services
LOAN PRODUCTS CONTD…
Point of Sale (POS) Terminals
Self Help Group Loans Debit Cards
Joint Liability Group Loans Foreign Exchange Services
Kisan Gold Card Broking (HDFC Securities Ltd)
TRANSACTIONAL BANKING INVESTMENT BANKING KEY SEGMENTS
Cash Management Debt Capital Markets Large Corporate
Custodial Services Equity Capital Markets Emerging Corporates
Clearing Bank Services Project Finance Financial Institutions
Correspondent Banking M&A and Advisory Government / PSUs
Tax Collections Business Banking / SME
Banker to Public Issues Supply Chain (Suppliers and Dealers)
Agriculture
OTHER FUNCTIONS
Commodities
Asset Liability Management
Statutory Reserve Management
5
Strong National Network

Mar'16 Mar'17 Mar'18 Mar'19

4,520 4,715 4,787 5,103

Banking
Outlets

2,587 2,657 2,691 2,748

Cities

Branch classification (Mar’19)

Rural Urban
22% 19%

Metro
Semi Urban
28%
31%

53% of total banking outlets in Semi-urban and Rural

locations
All branches linked online, real-time

Customer base of over 49 million

FY – Fiscal year ended March 31

8
MARKETING DEPARTMENT
The bank also use event based marketing to collect
required data from the customer to develop new
strategies.
CRM activities .
Personal assistance.
Promoting newer technology.
Facilitate the customers at there door step.
SWOT ANALYSIS OF HDFC

Strengths
• ‡ One of the leading new age private sector bank
• HDFC Bank has over 4787 branches and over 5000 ATMs,
in 780 cities in India,
• Huge employee base i.e more than 51000 employees
• Large collaborations with corporate for employee salary
accounts
 CONTINUE…

Weaknesses
• Rural penetration is low.
• Lesser no. of branches when compared with its competitors.
• Operation Red spider.
CONTINUE...

Opportunities
• Mobile banking, Internet banking
• Venturing into rural areas
• Providing more complex products to the ever increasing
demands of the industry
 CONTINUE...

Threats
• Competitors
• New banking licenses
• Foreign banks that offer complex products
PORTERS FIVE FORCE ANALYSIS
BARRIERS TO ENTRY(LOW)
INTER FIRM RIVALRY(HIGH)
AREA OF WORK
my job role was Market Research Analyst.
The 30 days internship in marketing department was
very beneficial to me because I had to learn from the
basics about the industry to applying the concepts of
marketing learnt.
Nature of the job was meeting the customer and
having a market touch.
ASSIGNMENT

•Study on awareness of HDFC

SmartHub application.
SKILLS GAINED
Customer Satisfaction
After Sales Enquiries
Self Confidence
Patience
Understanding The Customer
Commercial awareness
THANK YOU