Group Members

Sneha Koirala Somia Sharma Sonam Bajaj Sonakshi Bajaj Souparna Chakraborty Srijani Chatterjee

Vision
To be customer driven best managed enterprise that enjoys market leadership in providing housing related finance.

Provide a package of attractive financial services for housing purposes through a competent
Maintain financial stability and growth of the organization whilst contributing to the national goal of providing decent housing to all.

Main Objectives of Banking

Customer :Innovatively satisfying them beyond expectations

Employee Satisfaction :motivate, develop, recognize and reward our employees

Community Standards :strongly committed to contribute to the national goal of providing shelter for all

Products and Services

Travellers Cheques Credit card Home loan Personal loan Foreign Currency Cash Foreign Currency Demand Drafts Cheque Deposits Remittances Trade Services Mutual funds Insurance

Customer Expectations Solid information Sigle source service Superior communication A seamless Relationship

Who are the major customers??

Age wise Customer Segmentation

Which service customers use mainly?

Competition...the way ahead

Competition & Service Segmentation

Why preferring HDFC Services??

Organization Growth Chart

Segmentation Strategy
Demographics variables Location Metros & divisional cities Occupation Business person Salaried class (both govt. & private) Age Senior citizens Minor Psychographic variables Lifestyle People who believes in modern banking with higher set of service i. e. internet banking (incontact, mobile refill, travel currency card etc.)

Targetting Strategy
Corporate banking market : this market target the industries & fulfill their financial needs.

Capital market : this segment is targeted on the long term needs of the individual as well as of industries.
Retail banking market : this segment is for retail investors & provide them short term financial credit for their personal, house hold needs.

Positioning System
HDFC Bank has positioned itself as a bank which gives higher standard of services through product innovation for the diverse need of individual & corporate clients. So they want to highlight following points in their positioning segment : Customer centric Service oriented Product innovation

Achievments
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 chosen as one of Asia Pacifics best 50 companies by Forbes magazine. 'Best Bank in the Private Sector 2008.' HDFC Bank ties up with Qatar National Bank. HDFC Bank merged with CENTURION BANK OF PUNJAB in 2007.

Other achievments . . .
HDFC follows the model of a sound corporate governance The bank was amongst the first four companies, which subjected itself to a Corporate Governance and Value Creation (GVC) rating by CRISIL A very sound and effective risk management system in place to create a less risk assets portfolio. Uses Neural Technologies for risk management in its Credit Cards and other Retail Assets portfolios

Opportunities Growing Indian banking sector. People are becoming more service oriented in the global market and HDFC strictly follows its services

Threats From various competitors Foreign banks Govt. banks Future market trends.