Prepared BySUBMITTED TO :MS. Anupama Goswami.

Damani vivek. Khambholiya Manan. Pokar Bhargav. Hirpara Sailesh Rasadiya Mehul.

Founder of HDFC
Hasmukh Bhai parekh In 1956 he began his financial affairs.

In 1992, government of India honored him with Padma Bhushan.

In 1994 he abode the earth.

HDFC BANK
Housing Development Finance Corporation

HDFC Bank was incorporated in August 1994

Among the first in new generation commercial banks Was amongst the first to receive an 'in-principle'

approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994. Registered office in Mumbai, India Listed in NSE and BSE

BOARD OF DIRECTORS
Mr. Jagdish Kapoor , chairman of HDFC Bank.
Mr. Aditya Puri, Managing director

Keki Mistry, Managing Director

Mr. Harish Engineer, Executive directors

Mr. A Rajan, Country Head-Operations

Mr. Rahul Bhagat, Vice president

HDFC Focuses on
Understanding the needs of customers and offering them

superior product and service.

Leveraging technology to service customers quickly and

conveniently.

To create quality of consumers and not quantity of Consumers.

Providing and enabling environment to foster growth and

learning for the employees.

THE THREE MAJOR FUNCTIONS OF HDFC BANK

HDFC Bank deals with three key business segments: Retail Banking Services
Wholesale Banking Services Treasury Operations

Capital Structure
The authorized capital of HDFC Bank is Rs550

crore (Rs5.5 billion). The paid-up capital is Rs424.6 crore (Rs.4.2 billion). The HDFC Group holds 19.4% of the bank's equity Roughly 28% of the equity is held by Foreign Institutional Investors (FIIs) and the bank has about 570,000 shareholders

NETWORK

761 branches 1977 ATMs in the country 327 cities in India 16 branches in Middle east 6 in Africa Representative offices in Hong Kong, New York, London & Singapore

Accounts of Religious institutions

Shree siddhivinayak Ganpat Dargah khwaja sahib ,Ajmer Laxmi narayan mandir Delhi Mata vaishno devi Mandir Jagan Nath temple Shirdi Sai baba Golden temple Amarnath temple

ASSOCIATE COMPANIES

NEW LOGO AND TAG LINE

SERVICES
ATM Credit Cards Net Banking

Phone Banking
Mobile Banking

Loans

Achievements
HDFC Bank merged with TIMES BANK in 2000. HDFC Bank merged with CENTURION BANK OF PUNJAB in 2007. 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.

VISION
Increase market share in Indias banking sector

Leverage technology platform

Maintain standards for asset quality

Focus on high earnings growth with low volatility

Develop innovative products and services

MISSION
Mission is to be "a World Class Indian Bank

Benchmarking ourselves against:

international standards and best practices in terms of product offerings, technology, service levels, risk management and audit & compliance.

VALUES
Business philosophy is based on four core values

Customer Focus Operational Excellence Product Leadership People

Analysis and Interpretation

 RATIO ANALYSIS CLASSIFICATION OF RATIOS

Current Ratio

RCE Ratio

Quick Ratio

Ratio Analysis
Net Profit Ratio Net Assets value Ratio DebtEquity Ratio

Current Ratio
Current ratio = Current assets Current liabilities
1.47
1.48 1.46 1.44 1.42

1.36

1.39

in %

1.40 1.38 1.36 1.34 1.32

2010

2011

2012

year

Interpretation: An ideal current ratio is 2:1. The ratio 2:1 is considered as a safe margin of solvency due to the fact that if the current assets are reduced to half i.e. 1 instead of 2 then the creditors will be able to get their payments in full. Here, it shows that the bank has 1.36:1, 1.47:1 & 1.39:1 which is quite satisfactory but can be improved by better turnover and profit and also by decreasing liabilities.

Quick Ratio
Quick ratio = quick asset Current liability
0.69 0.7

0.6
0.55

0.6 0.5
in % 0.4 0.3 0.2 0.1 0

2010

2011 year

2012

Interpretation
If the ratio 1:1 then firm has enough cash on hand to meet all current liabilities. In cash position ratio 1:1 is satisfactory result.

In 2009-2010 years ratio is 0.55:1 & 2010-11 years ratio is0.60:1 & 2011-12 years ratio is 0.69. It means the good position for the bank. In the cash position ratio cash is increase in 2010-11 compare with 2009-10. And also marketable securities increase in 2012

Debt Equity Ratio

Debt Equity Ratio: = Long Term liability *100 Shareholders Fund
4.98

in

5 4.5 4 3.5 3 % 2.5 2 1.5 1 0.5 0

4.39 4.06

2010

year

2011

2012

Interpretation
This ratio is continues increasing but the figures are not satisfactory. This ratio indicates equity capital or owners capital is increasing. It should be 10 times higher than the present position.

Net Assets Value(NAV) :-

NAV Ratio
= Equity Shareholders Fund No. Of Equity Share
3.86

0.87 0.868 0.866 0.864

in %

0.862 0.86 0.858 0.856 0.854

4.57

4.34

2010

2011

2012

year

Interpretation
In this ratio, total assets are far more than external liabilities. The banks treated solvent. In solvency ratio in 2010 is 4.57:1 and increase in 2011 is 4.35, it means that outside liabilities is always less than total assets.

Net profit ratio

Net profit ratio = Net profit 100 Sales

12.4 12.35

12.37

12.37

12.3

in % 12.25
12.2
12.15 12.1

12.2

2010

2011

2012

year

Interpretation
Generally this ratio is required 10 to 15%. If it is more than 15% than it shows good position but if it under 15% it is not good but required position is good. In 2010- 11the net profit ratio is 12.20%, & in 2011-12 the net profit ratio is 12.37% it is good for bank.

RAM ratio
Return on capital employed ratio = Net profit X 100 Capital Employed

1.6
1.6 1.595 1.59

in % 1.585
1.58 1.575 1.57

1.58

1.58

2010

2011

2012

year

Interpretation

Return on capital employed is stable around 1.60%. This ratio also shows wrote position. Because this is not satisfactory return on capital employed. In accordance to banking industry it should be between 2% to 4%. So that it can be said that return on capital employed is lower.

Recommendations
Better inventory management is required

because its consistently decreasing which is an obstacle to be in competition They are market leader but their nearest competitor is very close with respect to market share. So if they want to compete with them it is necessary to utilize their resource in best way

CONCLUSION
Success is achieved by those who try where there is

nothing to lose by trying and a great deal to gain if successful, by all means try

The study may be a helpful step ahead in increasing the morale of each Employee By studying this, Bank will can come to know that what effective measure can be take to maintain the effective use of resources. Such results and conclusions are definitely helpful in order to achieve goals of the organization in this modern business world. There is a lot to be said for valuing a company, it is no easy task. I hope that I have helped shed some light on this topic and that you will use this information to make educated investment decision.