General Overview
HDFC Bank was established in 1994 as a subsidiary of the Housing Development Finance
Corporation, with its registered office in Mumbai, Maharashtra, India.
The USP of HDFC is that it designs competitive products which guarantees great response
from the market and an almost unlimited longevity for business life.
As of April 2021, HDFC Bank is India's largest private sector bank in terms of assets and market
capitalization. It is the third largest company on the Indian stock exchanges in terms of market
capitalization. With nearly 120,000 employees, it is also India's thirteenth largest employer. The
products and services offered by HDFC Bank include wholesale banking, retail banking, treasury,
auto loans, two-wheeler loans, personal loans, loans against property, consumer durable loan,
lifestyle loan, and credit cards. Payzapp and SmartBUY are two additional digital products.
Shareholding pattern of the company
HDFC Bank's equity shares are traded on the Bombay Stock Exchange and the National Stock Exchange of
India. Its American depositary receipts (ADRs) are traded on the New York Stock Exchange, and its global
depository receipts (GDRs) are traded on the Luxembourg Stock Exchange, where two GDRs equal one equity
share in HDFC Bank.
Promoters 1164625834 21.13%
ForeignInstitutions 1784337350 32.37%
NBanksMutualFunds 582150758 10.56%
CentralGovt 10660537 0.19%
Others 110455411 2%
GeneralPublic 473177526 8.58%
FinancialInstitutions 359253541 6.52%
GDR 1028115525 18.65%
-By Economic Times.
Management of the company
The executive staff of HDFC Bank is comprised of a diverse range of skill and expertise. The team takes the bank to new
heights, guided by an experienced board and a visionary managing director. As the world grows more digital, the
management team is guiding the bank to the forefront of this growing area through innovative products and services.
Sashidhar Jagdishan Managing Director & CEO
Kaizad Bharucha Executive Director
Arvind Kapil Group Head
Ramesh Lakshminarayanan Chief Information Officer
Vinay Razdan Chief Human Resource Officer
Are some the employers who are leading HDFC at present.
Strength in SWOT analysis.
- HDFC bank is located in more than 1800 cities and more than 800 locations to serve its customers.
- HDFC is the second largest private bank in India having more than 2200 branches and more than 7000
ATMs serving.
- HDFC cards are most preferred cards of all has they are compatible with all types Domestic and
International VISA and MAESTRO.
- HDFC has high degree of customer satisfaction.
- HDFC has a good work force they help customers towards right investments.
Weakness in SWOT.
- HDFC is not strong in rural India.
- HDFC lack strong marketing network.
- When it comes to banking rural population is very loyal customers but HDFC still not strongly
considering rural India, HDFC prefers high end clients.
- Investors think HDFC has not safe and better ROI investment because of the fluctuating share prices.
Opportunities in SWOT.
- HDFC has a good reputation in maintain better salary accounts. It has a better opportunity in large
companies where the work force is large.
- HDFC has better asset quality parameter which promises a better future.
- HDFC is constantly working on bed debt portfolio.
- Can Acquire or can have a better strategic alliance because of its strong financial position.
- HDFC has a very good opportunity in aboard market.
Threats in SWOT.
- HDFC is showing better financial health.
- India is seeing new age finance banks and non-banking financial companies.
- HDFC is not able to increase its market share compared to its competitors.
- Government banks are working with modern technology.
Competitive Analysis-
Axis Bank is the third largest private-sector banks in India offering a comprehensive suite of
financial products. ICICI Bank is a private sector bank that provides banking and financial
services. IndusInd Bank is one of the leading Private Sector Banks of the country. Punjab
National Bank is an Indian multinational banking and financial services company. Bank of Baroda
is an Indian state-owned banking and financial services company headquartered in Vadodara in
Gujarat, India.
