Hdfc power point
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This document analyzes HDFC Bank. It provides background on the founder of HDFC and the establishment of HDFC Bank in 1994 as one of the first new generation private sector banks in India. The bank focuses on understanding customer needs, leveraging technology, and creating quality over quantity. It deals with retail banking, wholesale banking, and treasury operations. The bank has over 2,700 branches across India and internationally. Various ratios like the current ratio, debt-equity ratio, and price-earnings ratio are analyzed from 2012 for HDFC Bank, ICICI Bank, and SBI Bank.
Hdfc power point
- 1. ANALYSIS OF HDFC BANK Prepared By :- Kuheli Hazara Kunal Sharma Megha Rawat Makesh Nair Manish Lakhchaura
- 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. 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.
- 5. THE THREE MAJOR FUNCTIONS OF HDFC BANK HDFC Bank deals with three key business segments:- Retail Banking Services Wholesale Banking Services Treasury Operations
- 6. 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
- 7. NETWORK 2,776 branches 10,490 ATM’s in the country 1,399 cities in India 16 branches in Middle east 6 in Africa Representative offices in Hong Kong, New York, London & Singapore
- 10. PEST ANALYSIS POLITICAL FACTORS 1. Government Regulations 2. Stable Constituency 3. Fiscal Policy ECONOMIC FACTORS 1. Market Performance 2. Global Standards 3. Inflation • SOCIAL FACTORS Community Initiatives Income • TECHNOLOGICAL FACTORS This is the era of information technology and due to net banking, online transaction, online RTGS, clearing system helps the industry a lot.
- 11. SWOT ANALYSIS Strengths 1. Extensive distribution network consisting of 2,776 branches in 10,749 cities 2. Strong brand equity 3. ISO 9001 certification Weakness 1. Account opening and delivery of cheque book takes more time. 2. Lack of availability of different CC limits, bill discounting facilities. Opportunity 1. Door step services 2. Branch expansion Threats 1. Facing competition from competitors like SBI, PNB.
- 13. • RATIO ANALYSIS • CLASSIFICATION OF RATIOS Ratio Analysis Current Ratio Quick Ratio Debt- Equity Ratio Net Assets value Ratio Net Profit Ratio RCE Ratio
- 14. Current Ratio Current Ratio(2012) HDFC 0.08 ICICI 0.13 SBI 0.05 0 0.02 0.04 0.06 0.08 0.1 0.12 0.14 HDFC 2012 ICICI 2012 SBI 2012 Current Ratio Current Ratio INTERPRETATION It increased by 2012 by 0.02%.
- 15. Quick Ratio Quick Ratio(2012) HDFC 6.20 ICICI 16.71 SBI 12.05 0 2 4 6 8 10 12 14 16 18 HDFC 2012 ICICI 2012 SBI 2012 Quick Ratio Quick Ratio INTERPRATATION It decreased by 0.69% in 2012.
- 16. Debt – Equity Ratio DER(2012) HDFC 9 ICICI 7.2 SBI 14.8 0 2 4 6 8 10 12 14 16 HDFC 2012 ICICI 2012 SBI 2012 Debt Equity Ratio DEBT EQUITY RATIO INTERPRETAION In 2012 debt equity ratio has increased by 3.9%.
- 17. NAV Ratio NAV Ratio(2012) HDFC 0.12 ICICI 0.09 SBI 0.10 0 0.02 0.04 0.06 0.08 0.1 0.12 0.14 HDFC 2012 ICICI 2012 SBI 2012 Asset turnover Ratio Asset turnover Ratio INTERPRETATION It increased by 0.01% in 2012.
- 18. Earning per share EPS (2012) HDFC 26.51 ICICI 56.09 SBI 221.39 0 50 100 150 200 250 HDFC 2012 ICICI 2012 SBI 2012 Earning Per Share EARNING PER SHARE INTERPRETATION IN 2012 EARNING PER SHARE IS DECREASE BY 62%.
- 19. Dividend per share DPS (2012) HDFC 4.30 ICICI 16.50 SBI 35.00 0 5 10 15 20 25 30 35 40 HDFC 2012 ICICI 2012 SBI 2012 Dividend Per Share DIVIDEND PER SHARE INTERPRETATION Dividend per share decreased by 12.50%.
- 20. Dividend yield ratio DYR(2012) HDFC 0.67% ICICI 1.52% SBI 1.58% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 1.60% 1.80% HDFC 2012 ICICI 2012 SBI 2012 Dividend Yield Ratio DIVIDEND YIELD RATIO INTERPRETATION In 2012 it’s increased by 0.13%.
- 21. Price earning ratio PER(2012) HDFC 21.6 ICICI 15.75 SBI 10.00 0 5 10 15 20 25 HDFC 2012 ICICI 2012 SBI 2012 Price Earning Ratio Price Earning Ratio INTERPRETATION In 2012 price earning is decrease by 6.5%.