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Analysis,[object Object],1,[object Object]
Overview of HDFC Bank,[object Object],[object Object]
1st – Bank to receive an “in principle approval” from RBI.
Incorporated in  August 1994,in the name of                   		“HDFC Bank Ltd.”
1st – Registered Office in Mumbai
HDFC Bank commenced operations as a Scheduled	Commercial Bank in January 1995.,[object Object],2,[object Object]
Business Focus,[object Object],MISSION :,[object Object],            “World Class Indian Bank”.  ,[object Object],- OBJECTIVE  : ,[object Object],       Maintain Ethical Standards, Professional Integrity &,[object Object],       Cooperate Governence.,[object Object],[object Object],   a) Operational Excellence,[object Object],   b) Customer Focus,[object Object],   c) Product Leadership ,[object Object],   d) People,[object Object],3,[object Object]
Capital Structure and Shareholding Pattern,[object Object],[object Object]
  The HDFC Group holds 19.4% of the bank's equity.
  28% of the equity is held by FIIs.
  11.86% is held by the General Public.
  The Bank has about 570,000 shareholders.
  The shares are listed on the BSE & NSE.
  The bank's American Depository Shares are listed on the New 	York Stock Exchange (NYSE) under the symbol ‘HDB’.4,[object Object]
Strong Vast Network,[object Object],5,[object Object]
Wide Range of Products,[object Object],6,[object Object],RETAIL BANKING,[object Object],[object Object],     - Auto Loans                                           - Savings,[object Object],     - Loans against Securities                    - Current,[object Object],     -Personal Loans                                    - Fixed Deposits,[object Object],     - Credit Cards,[object Object],     - 2-Wheeler Loans,[object Object],     - Home Loans,[object Object],     - Commercial Vehicles Finance   ,[object Object],Other Products / Services:  -- POS Terminals,[object Object],- Debit Cards,[object Object],- Depository Accounts,[object Object],- Mutual Fund Sales,[object Object],- Insurance Sales,[object Object],- NRI Services,[object Object],- Bill Payment Services,[object Object],V,[object Object],Commercial Banking:,[object Object],           - Working Capital,[object Object],           - Credit Substitutes,[object Object],           - Term Loans,[object Object],           - Bill Collection,[object Object],           - Forex & Derivatives,[object Object],           - Wholesale Deposits,[object Object],           -Letters of Credit,[object Object],           - Guarantees,[object Object],Transactional Banking:,[object Object],   - Cash Management,[object Object],   - Custodial Services,[object Object],   - Clearing Bank Services,[object Object],   - Correspondent Banking,[object Object],   - Tax Collections,[object Object],   - Banker to public issues,[object Object],Key Segments:,[object Object],          - Large corporate,[object Object],          - Supply Chain,[object Object],         - Emerging  Coop,[object Object],        -  Financial  Inst,[object Object],        -  Government,[object Object],Wholesale Banking,[object Object],Products:                                                                     Other Functions:,[object Object], - Foreign Exchange                                                                                 - Asset Liability Management,[object Object],[object Object]
- Derivatives
- EquityTreasury,[object Object],One – Stop Shop to meet Diverse Customer Needs,[object Object]
7,[object Object]
8,[object Object]
9,[object Object]
10,[object Object]
Business Model,[object Object],HDFC BANK,[object Object],RETAIL,[object Object],WHOLESALE,[object Object],TREASURY,[object Object],REVENUE,[object Object],  INTEREST REVENUE	,[object Object],NON- INTEREST,[object Object],Less:,[object Object], INTEREST & NON-INTEREST EXPENSES,[object Object],NET INTEREST INCOME,[object Object],NON INTEREST INCOME,[object Object]
Income Statement,[object Object],12,[object Object]
Deposits,[object Object],13,[object Object],In Crores,[object Object]
Net Worth of HDFC Bank,[object Object],14,[object Object]
15,[object Object]
16,[object Object]
Implications of important terms,[object Object],CRR – 7.5% -- Affects Liquidity,[object Object],SLR – Min. 25% -- Affects Liquidity and secure insolvency,[object Object],REPO RATE – 9% -- Affects Lending rates and Liquidity,[object Object],REVERSE REPO RATE – 6% -- Affects Liquidity,[object Object],17,[object Object]
Key Financial Ratios,[object Object]
MERGER OF CBOP WITH HDFC BANK,[object Object]
CBoP = HDFC ,[object Object],[object Object]

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HDFC Bank

Notes de l'éditeur

  1. The major factors for increasing CAR can be as follow:Raising Capital from Fresh issue of equity shares:Internal generations of funds (Retained Earnings):HDFC bank has a policy of retaining 78% of its earnings and using the funds for advances. Due to higher retention of earnings bank is maintaining higher CAR.Risk Weighted Assets:HDFC bank has given more loans with risks during the years. HDFC Bank has issued loans in huge quantity therefore the risk weight of CAR has increased considerably.
  2. Employee per branch for HDFC Bank (merged) has moved up from 17 in FY04 to 39 in FY08. This coupled with high wage inflation has led to significant increase in employee cost to assets ratio. Going ahead, we expect employee per branch to stabilise at current levels and wage inflation to moderate leading to improvement in cost ratios for HDFC Bank.
  3. ): For banks, interest expenses are their main costs (similar to manufacturing cost for companies) and interest income is their main revenue source. The difference between interest income and expense is known as net interest income. It is the income, which the bank earns from its core business of lending. Net interest margin is the net interest income earned by the bank on its average earning assets. These assets comprises of advances, investments, balance with the RBI and money at call. Margin expansion was contributed by increase in yields across all products partially offset by increase in time deposit costs.  NIM = Interest income – Interest expenses ------------------------------------ Average earning assetsBank NIM has been increasing due to high interest loan advances and low cost deposits . Increasing signifies that bank has been successfully able to able to deploy its average earning assets to generate more revenues.
  4. This ratio also tells us about the good earning quality of the bank. We can see that the banks operating profit as a percentage of average working funds has been increasing which tells that banks has been is