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Damani vivek.
Khambholiya Manan.
Pokar Bhargav.
Hirpara Sailesh
Rasadiya Mehul.
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.
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 'inprinciple' 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
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 HeadOperations
Mr. Rahul Bhagat, Vice president
HDFC Focuses on
Understanding the needs of customers and offering
Consumers.
business
Capital Structure
The authorized capital of HDFC Bank is
NETWORK
761 branches
1977 ATMs in the
country
327 cities in India
16 branches in Middle
east
6 in Africa
Representative offices
in Hong Kong, New
York,
London
&
Singapore
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
ASSOCIATE
COMPANIES
SERVICES
ATM
Credit Cards
Net Banking
Phone Banking
Mobile Banking
Loans
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 Pacifics
best 50 companies by Forbes magazine.
'Best Bank in the Private Sector 2008.'
HDFC Bank ties up with Qatar National
Bank.
VISION
Increase
MISSION
Mission is to be "a World Class Indian
Bank
Benchmarking ourselves against:
international standards and
VALUES
Business philosophy is based on four core
values
Customer Focus
Operational Excellence
Product Leadership
People
Analysis
and
Interpretation
RATIO ANALYSIS
CLASSIFICATION OF RATIOS
Current Ratio
Current ratio =
Current assets
Current liabilities
1.47
1.48
1.46
1.44
1.42
in %
1.40
1.39
1.36
1.38
1.36
1.34
1.32
2010
2011
year
2012
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.
Quick Ratio
Quick ratio = quick asset
Current liability
0.69
0.6
0.7
0.6
0.55
0.5
in %
0.4
0.3
0.2
0.1
0
2010
2011
year
2012
Interpretation
in
5
4.5
4
3.5
3
% 2.5
2
1.5
1
0.5
0
4.39
4.06
2010
2011
year
2012
Interpretation
This ratio is continues increasing
but
the
figures
are
not
satisfactory. This ratio indicates
equity capital or owners capital
is increasing. It should be 10
times higher than the present
position.
NAV Ratio
0.87
0.868
0.866
0.864
in %
0.862
4.57
4.34
0.86
0.858
0.856
0.854
2010
2011
year
2012
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.
12.4
12.37
12.35
12.3
in % 12.25
12.2
12.2
12.15
12.1
2010
2011
year
2012
Interpretation
RAM ratio
Return on capital employed ratio
1.6
1.6
1.595
1.59
in % 1.585
1.58
1.58
1.58
1.575
1.57
2010
2011
year
2012
Interpretation
Recommendations
Better
inventory
management
is
required because its 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
CONCLUSION
Success is achieved by those who try where