2. HDFC BANK’s General Business Strategy
strategy focusing on quality and not on quantity and delivering
high quality customer service
Leverage our technology platform and open scalable systems
to deliver more products to more customers and to control
operating costs
Develop innovative products and services that attract the
targeted customers
Continue to develop products and services that reduce bank’s
cost of funds
Focus on high earnings growth with low volatility

3.  Customer Retention Strategy ( may 2, 2008)
 All charges has been waived off
 Services like locker, de-mat etc would now be charged at 50 %
 The charges on debit card have been taken off.
 Gave number to contact regarding any service

4. Provision cover strategy (2009)
 Bank increases its provision cover for its loans
 In good times and bad, HDFC Bank sticks to its 30 per cent
profit growth
Interest income increases – 22 per cent
Growth of income - 30 per cent

5. ATM Strength strategy(2010)
 Strategic location selected for ATM center.
 58% active customers use the ATM at least
once in a month .
 EFFECT:
 ATM available 10000+ in 2012
 83% active customers use the ATM at least
once in a month .

6. Launches Mobile Banking in Hindi(2011)
• Mobile application targeted at 560 million Indians .
• Hindi SMS Banking Services .
• Banking Application in Hindi for Android Smartphone
users.
 EFFECT:
• Attracted lot of hindi specking people in india

7. Launching a Net safe card(2012)
 Single-use virtual card
 For online shopping
 Provides complete security
So, it has reduced online card frauds

8. HDFC Bank launches co-branded credit cards of
Diners Club International (Sep 25,2012)
 The tie-up marks the comeback for Diners Club credit
cards in India
 An exclusive range of cards :
• HDFC Bank Diners Club Black
• HDFC Bank Diners Club Premium
• HDFC Bank Diners Club Rewardz

9. Marketing & Branding Strategy
• creating product awareness, enhancing usage.
• send personalized mailers about our various
products
• contact with during these mass promotions

10. Media-Based Marketing
Direct
mailers
Tie- Media-Based
Marketing SMS
up's
Event
based
Marketing

11. Achievements
Loyalty Summit award 2012 :
Winner of the "Customer and Brand Loyalty" in banking sector
category.
ICAI Award 2011:
Winner of the "Excellence in Financial Reporting in 2011"