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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 'inprinciple' 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 HeadOperations
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
segments: Retail Banking Services
Wholesale Banking Services
Treasury Operations

business

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
Current ratio =

Current assets
Current liabilities
1.47

1.48
1.46
1.44
1.42

in %

1.40

1.39

1.36

1.38
1.36
1.34
1.32

2010

2011

year

2012

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
0.6

0.7
0.6

0.55

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

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

2011

year

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.

NAV Ratio

Net Assets Value(NAV) :-

= Equity Shareholders Fund


No. Of Equity Share
3.86

0.87
0.868
0.866
0.864

in %

0.862

4.57

4.34

0.86
0.858
0.856
0.854

2010

2011

year

2012

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
12.37

12.4

12.37

12.35
12.3

in % 12.25

12.2

12.2
12.15
12.1

2010

2011

year

2012

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

1.58

1.58
1.575
1.57

2010

2011

year

2012

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.