1. Prepared By-
Damani vivek.
Khambholiya Manan.
SUBMITTED TO :- Pokar Bhargav.
MS. Anupama Goswami. Hirpara Sailesh
Rasadiya Mehul.

2. 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.

3. 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

4. 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

5. 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.

6. THE THREE MAJOR FUNCTIONS OF
HDFC BANK
HDFC Bank deals with three key business segments:-
 Retail Banking Services
 Wholesale Banking Services
 Treasury Operations

7. 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

8. NETWORK 761 branches
1977 ATM’s in the
country
327 cities in India
16 branches in Middle
east
6 in Africa
Representative offices
in Hong Kong, New
York, London &
Singapore

10. 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

11. ASSOCIATE COMPANIES

12. NEW LOGO AND TAG LINE

13. SERVICES
ATM
Credit Cards
Net Banking
Phone Banking
Mobile Banking
Loans

14. 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 Pacific’s best 50
companies by Forbes magazine.
'Best Bank in the Private Sector 2008.'
HDFC Bank ties up with Qatar National Bank.

15. VISION
 Increase market share in India’s banking sector
 Leverage technology platform
 Maintain standards for asset quality
 Focus on high earnings growth with low volatility
 Develop innovative products and services

16. 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.

17. VALUES
 Business philosophy is based on four core values
 Customer Focus
 Operational Excellence
 Product Leadership
 People

18. Analysis
and
Interpretation

19. RATIO ANALYSIS
CLASSIFICATION OF RATIOS

20. 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

21. 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.

22. Quick Ratio
Quick ratio = quick asset
Current liability
0.69
0.7 0.6
0.55
0.6
0.5
0.4
in %
0.3
0.2
0.1
0
2010 2011 2012
year

23. 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 year’s ratio is 0.55:1 & 2010-11
year’s ratio is0.60:1 & 2011-12 year’s 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

24. •Debt – Equity Ratio
Debt Equity Ratio: = Long Term liability *100
Shareholders Fund
4.98
5 4.39
4.06
4.5
4
3.5
3
in % 2.5
2
1.5
1
0.5
0
2010 2011 2012
year

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

26. •NAV Ratio
•Net Assets Value(NAV) :-
= Equity Shareholder’s Fund
No. Of Equity Share
3.86
0.87
0.868
0.866
0.864
4.57 4.34
0.862
in %
0.86
0.858
0.856
0.854
2010 2011 2012
year

27. 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.

28. •Net profit ratio
Net profit ratio = Net profit ×100
Sales
12.37 12.37
12.4
12.35
12.3
in % 12.25 12.2
12.2
12.15
12.1
2010 2011 2012
year

29. 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.

30. •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 2012
year

31. 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.

32. Recommendations
Better inventory management is required
because it’s 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

33. 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.