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राहुल वर्मा

on 2 November 2012

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Transcript of HDFC Bank

Vivek Group 7 A HDFC Bank BANK "A corporation empowered to deal
with cash, domestic and foreign, and
to receive the deposits of money and
to loan that money to third parties" Indian Banking Industry- Growth Grown tremendously post 1991 reforms
In 2011, BCG projected the industry to become 3rd largest in the world by 2025
Credit growth 17% in FY 2011-12, down by 4.5% from last fiscal
higher cost of borrowing
delaying of investment decisions
Deposit rates also declined from last year to 13.5% in FY2011-12 from 15.9% in FY 2010-11
higher inflation
preference of mutual funds
Rural market untapped- only 38% of total branches Porter's 5 forces The Housing Development Finance Corporation Limited (HDFC) One among the first banks in private sector to receive ‘in principle' approval from RBI. Comparison with ICICI Comparison with Industry Thank You ! Adhya | Hina | Rahul | Sudhir | Vivek November 2, 2012 A Journey : Indian Banking Industry * Three Presidency banks, later merged to form Imperial bank of India, 1921

* April 1, 1935, RBI established as the central bank of India, took over functions from IBI

* 1955, IBI converted into State Bank of India (SBI)

* Nationalizations in 1969 and 1980 brought 20 major private banks into the fold of PSBs

* Rapidly changing environment in terms of technology, competitive services, product offerings, presence of foreign banks, technologically equipped manpower

* Changes due to Technological advancements: As per GCR 2011-12, WEF, Indian banks

Rank at 32/142 in terms of the soundness
Rank at 45/142 in terms of providing financial products and services
Rank at 35/142 in terms of the ease of obtaining a loan from banks in India with only a good business plan and no collateral
Rank at 20/142 as per Legal Right Index (LRI) - degree of legal protection of lenders' and borrowers' rights Presence – 1399 cities, 2544 branches, 8913 ATM’s
Global presence in Gulf countries like Saudi Arabia, U.A.E, QATAR, in Kenya and in Hong Kong.
Acquired centurion bank of Punjab in 2008 Services
-Commercial& investment banking and retail banking
-Investments, forex , premium banking and private banking etc.. Marketing Strategy 360-degree advertising first in social media Financial Analysis Legal and Regulatory framework Follows corporate governance frame work in compliance with SEBI, Securities exchange act
Independent auditing body , IRRM as per Basel-II norms go-to-market strategy Ranked 1st in market cap with RS148,527.207 crore and &7th in Assets worth Rs 3,37,909.49 Crores

Revenue -Rs 32,530 Crores, Operating profit –Rs 7,513.16 Crores

34% year-on-year growth, CAGR has grown at 35% since 2001

PBIDT to sales ratio is 61.96%, ROE is 18.69%

Share Price BSE:698.20 NSE: 628.60 Revenue Financial Analysis Financial Analysis Through lens of Porter's Generic Strategy ICICI is more profitable but HDFC is more efficient Highest market capitalization among private sector banks Cost leadership: NO
Differentiation: YES

Technology, World Class Service, Low Response Time HDFC's size increased by 22.2% compared to industry's size increase of 16.23% in FY 2011-12 HDFC's PAT increased by 30.1% compared to industry's PAT of 21.45% in FY 2011-12 22% loan growth rate in Q4 of FY 2011-12, higher than industry Strengths:

Second largest private lender in India.

Located in 1,339 cities.

High customer satisfaction.

Ranked 15th on the list of Best Employers Conclusion Better performance compare to industry and other private sector banks in India International presence Expanding to semi-urban areas Opportunities to explore the rural front and the mobile internet Weaknesses:

Rural presence not strong
Focuses more on high end clients Opportunities:

Disposal income of middle class

Mobile penetration - Mobile banking
Internet penetration Threats:

Policy paralysis - Slow Decision Making

FDI in private banking -
49 % with automatic route
74% through government approval route SWOT Analysis 7A
Full transcript