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HDFC Bank

HDFC Bank Limited is India's largest private sector bank by assets. It offers a variety of loan and deposit products for consumers, businesses, and commercial clients. It has a large network of branches and ATMs across India. A strength is its large presence and high customer satisfaction, but a weakness is its lack of penetration in rural areas where competitors have expanded. Opportunities exist in corporate banking and abroad, but threats include increased competition from other banks and fluctuating share prices.

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kadir
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207 views6 pages

HDFC Bank

HDFC Bank Limited is India's largest private sector bank by assets. It offers a variety of loan and deposit products for consumers, businesses, and commercial clients. It has a large network of branches and ATMs across India. A strength is its large presence and high customer satisfaction, but a weakness is its lack of penetration in rural areas where competitors have expanded. Opportunities exist in corporate banking and abroad, but threats include increased competition from other banks and fluctuating share prices.

Uploaded by

kadir
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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HDFC BANK LIMITED

Submitted By:
Shaikh Gulam Kadir
18413
Group 1
INTRODUCTION
HDFC Bank Limited is an Indian banking and financial services
company headquartered in Mumbai, Maharashtra. It has 88,253
permanent employees as on 31st March 2018 and has a presence
in Bahrain, Hong Kong and Dubai. HDFC Bank is India’s largest private
sector lender by assets. It is the largest bank in India by market
capitalization as of February 2016. It was ranked 69th in 2016 BrandZ
Top 100 Most Valuable Global Brands.

PRODUCT SIZE

Loan Product

 Auto Loan
 Personal Loans
 Home Loans / Mortgages
 Commercial Vehicles Finance
 Retail Business Banking
 Credit Cards
 Loans against Gold
 2-Wheeler /Consumer Durable Loans
 Construction Equipment Finance
 Loans against Securities
 Agriculture and Tractor loans
 Education Loans

LOAN PRODUCTS CONTD…

 Self Help Group Loans


 Joint Liability Group Loans
 Kisan Gold Card
DEPOSIT PRODUCTS

 Savings Accounts
 Current Accounts
 Fixed / Recurring Deposits
 Corporate Salary Accounts
 Escrow Accounts

COMMERCIAL BANKING

 Working Capital
 Term Loans
 Bill / Invoice discounting
 Forex & Derivatives
 Wholesale Deposits
 Letters of Credit
 Guarantees

TRANSACTIONAL BANKING

 Cash Management
 Custodial Services
 Clearing Bank Services
 Correspondent Banking
 Tax Collections
 Banker to Public Issues
INVESTMENT BANKING

 Debt Capital Markets


 Equity Capital Markets
 Project Finance
 M&A and Advisory

OTHER PRODUCTS / SERVICES

 Depository Accounts
 Mutual Fund Sales
 Private Banking
 Insurance Sales (Life, General)
 Non-resident Indian (NRI) Services
 Bill Payment Services
 Point of Sale (POS) Terminals
 Debit Cards
 Foreign Exchange Services
 Broking (HDFC Securities Ltd)
 Foreign Exchange
 Debt Securities
SWOT ANALYSIS OF HDFC

Strengths

 HDFC bank is the second largest private banking sector in India having
2,201 branches and 7,110 ATM’s.
 HDFC bank is located in 1,174 cities in India and has more than 800
locations to serve customers through Telephone banking.
 The bank’s ATM card is compatible with all domestic and international
Visa/Master card, Visa Electron/ Maestro, Plus/cirus and American
Express. This is one reason for HDFC cards to be the most preferred card
for shopping and online transactions.
 HDFC bank has the high degree of customer satisfaction when compared
to other private banks.
 The attrition rate in HDFC is low and it is one of the best places to work
in private banking sector.
 HDFC has lots of awards and recognition, it has received ‘Best Bank’
award from various financial rating institutions like Dun and Bradstreet,
Financial express, Euro money awards for excellence, Finance Asia
country awards etc.
 HDFC has good financial advisors in terms of guiding customers towards
right investments.

Weaknesses

 HDFC bank does not have strong presence in rural areas, where as ICICI
bank its direct competitor is expanding in rural market.
 HDFC cannot enjoy first mover advantage in rural areas. Rural people are
hard-core loyal in terms of banking services.
 HDFC lacks in aggressive marketing strategies like ICICI.
 The bank focuses mostly on high-end clients.
 Some of the bank’s product categories lack in performance and does not
have reach in the market.
 The share prices of HDFC are often fluctuating causing uncertainty for
the investors.

Opportunities

 HDFC bank has better asset quality parameters over government banks;
hence, the profit growth is likely to increase.
 The companies in large and SME are growing at very fast pace. HDFC has
good reputation in terms of maintaining corporate salary accounts.
 HDFC bank has improved its bad debts portfolio and the recovery of bad
debts are high when compared to government banks.
 HDFC has very good opportunities in abroad.
 Greater scope for acquisitions and strategic alliances due to strong
financial position.

Threats

 HDFC’s nonperforming assets (NPA) increased from 0.18 % to 0.20%.


Though it is a slight variation, it is not a good sign for the financial health
of the bank.
 The non-banking financial companies and new age banks are increasing
in India.
 The HDFC is not able to expand its market share as ICICI imposes major
threat.
 The government banks are trying to modernize to compete with private
banks.
 RBI has opened up to 74% for foreign banks to invest in Indian market.

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