Environmental

management financial
study
MADE BY
NITIN CHOUDHARY
F.Y.BBI
GURU NANAK COLLEGE
ROLL NO: 05
 IN TR ODUCTIO N

üThe Housing development finance corporation

limited (HDFC) was amongst the first to receive
an ‘in principal’ approval from the reserve bank
of India (RBI) to set up a bank in the private
sector, as part of the RBI’s liberalisation of the
Indian banking industry in 1994.
 üThe bank was incorporated in August 1994
in the name of ‘HDFC Bank limited’, with its
registered office in Mumbai, India. HDFC Bank
commenced operations as a scheduled
commercial bank in January 1995.
üHDFC Bank was incorporated in August
1994, and currently has an nationwide
network of 1229 branches & 2526 ATM’s in
444 Indian towns & cities.
BOARD OF DIRECTORS
HDFC FINANCIAL RESULTS FOR
THE QUARTER ENDED JUNE
30,2008
ØHDFC reported a profit before tax Rs649.86crores
compared to Rs505.01crores increase by 29%.
ØProfit after tax Rs468.11crores compared to
Rs372.81crores increase by 26%.
 Ø Total assets of HDFC stood at
Rs85,163crores as compare to
Rs68,269crores & increased by 25%.
Ø The loan portfolio(including loans
outstanding, deposits & investments in
debentures for financing real estate
related projects) of amount
Rs78,623crores as compare to
Rs60,485crores & increased by 30%.

Ø The unrealisedgains on HDFC’s listed

investments amounted to
Rs7,305.08crores. This excludes the
appreciation in the value of unlisted
investment.
 Types of loans
qHome loans
qPersonal loans
qTwo wheeler loans
qNew car loans
qEducational loans
qLoan against securities
qLoan against property
qHealth care finance
qTractor loans
qCommercial vehicle finance
q Ware house receipt loans
 CURRENT
NEWS
HDFC BANK EYES RURAL
MARKET (AS ON 27/8/2008)
HDFC Bank, the third largest public sector
lender, has chalked out new measures to
capitalize on increasing demand for banking &
finance products by farmers & self help groups.
New branches in rural areas would have core
banking facilities similar to metropolitan
branches, said HDFC bank senior vice-president
G.S.GOPINATH. “During the next fiscal, we plan
to open more than 200 branches….of this, more
than 100(would be) in rural areas”.
 CONCLUSIO
N
ØHDFC was amongst the first to receive an
‘in principle’ approval from reserve bank of
India to set up bank in the private sector.

Ø Currently it has 1229 branches & 2526 ATM’s

in 444 Indian towns & cities.

ØThe financial result of HDFC has gained

approximatly25%-30% as compared to 30 th June
2007.