ABOUT HDFC BANK

HDFC Bank Limited is an Indian banking and

financial services company.

It is headquartered in Mumbai Maharashtra.
1st Floor,C.S.No.6/242,
Senapati Bapat Marg,
Lower Parel,
Mumbai - 400 013.
HDFC Bank was incorporated in August 1994.
As of December 31, 2015,the Banks distribution
network was at 4281 branches across 2505 cities.
Bank has a network of 11,843 ATMs across India.
Pioneer and Leader in housing finance.

OBJECTIVES
Towards shareholders, their objective is to

optimize returns.
Towards customers, their objective is to provide a
caring service by anticipating their requirements
and innovatively satisfying them beyond their
expectations.
Towards their staff, objective is to identify their
multi-faceted talents, develop, motivate,
recognize and reward them towards fulfilment of
the institutional and national housing vision.
To the national economy and the industry
regulator, they are the key driver and thought
leader, shaping and financing the national
housing policy.

FUNCTIONS
Retail Banking

Wholesale Banking

Treasury

RETAIL BANKING
Products And Services Offered:

Auto Loans
Loans against Securities
Personal Loans
Credit Cards
2-Wheeler Loans
Home Loans
Commercial Vehicles Finance
Savings
Current
Fixed Deposits

TREASURY
Products And Services offered:
Foreign Exchange Management
Debt Securities Management
Derivatives
Equity
Asset Liability
Statutory Reserve

WHOLESALE BANKING

Commercial Banking
Working Capital
Term Loans
Bill Collection
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

OTHER PRODUCTS AND SERVICES

Travelers cheque
Trade services
Mutual funds
Insurance

BUSINESS MODEL
HDFC
BANK
RETAIL

WHOLESALE

TREASURY

REVENUE

INTEREST
REVENUE
Less:

NON- INTEREST

INTEREST & NON-INTEREST EXPENSES

NET INTEREST
INCOME

NON INTEREST
INCOME

CUSTOMER BASE
CORPORATES

Large corporate
They offer a full range of client-focused corporate banking services,
including working capital finance, trade and transactional services,
foreign exchange and cash management, to name a few. The product
offerings are suitably structured taking into account a client's risk
profile and specific needs.
Supply chain partners
They create Supply Chain Finance solutions that enable the clients to
automate supply chain management resulting in operational efficiency
and supply chain gains.
Agricultural lending
Each agribusiness faces different challenges and has unique needs.
From the fluctuating cash flows to the unpredictability of the weather,
managing a successful agribusiness requires a distinctive approach

FINANCIAL INSTITUTIONS
Banks
HDFC Bank provides correspondent bank services to Co-operative Banks, Private
Banks & Foreign Banks. Banks can leverage HDFC banks branch network ,
technology and product capability.
Financial Institutions
Institutions need a bank that uses its financial skills to streamline performance
and build business.
Mutual Funds
They provide banking service to public and private sector mutual fund clients and
have kept pace with the revolutionary growth of the industry by evolving a range
of services to meet the varied needs of fund groups

STOCK BROKERS
Clearing Bank Services To Currency Derivative Brokers
They are the leading clearing Bank for currency derivative segment of National
Stock Exchange of India Limited (NSEIL), United Stock Exchange of India Limited
(USE) and MCX Stock Exchange Limited (MCX-SX).
HDFC Bank with its rich and multitudinous expertise as clearing Bank, is poised to
cater to the needs of all intermediaries, particularly brokers, in currency
derivative segment. Bank is offering slew of products to suit working capital
requirements of the brokers and can also offer structured products, to meet
specific requirements for the clearing member.

HDFC Bank Limited is the leading clearing Bank for National Stock Exchange of
India Limited (NSEIL) and Bombay Stock Exchange Limited (BSE) offering a range
of products and services in the Capital Market Business.
HDFC Bank is also a Clearing Bank for other Stock Exchanges in India namely
Ahmadabad Stock Exchange, Calcutta Stock Exchange, OTC Exchange of India
and the Interconnected Stock Exchanges.
The clearing and settlement bank activities are handled by the Capital Market
Division of the Bank, which is manned by highly experienced staff specifically
trained to handle the ever changing/ urgent requirements of the clearing
members.

INSURANCE COMPANIES
They provide services to all institutions of this industry, namely, Life Insurance
Corporation of India Ltd, National Insurance Company Limited, Oriental Insurance
Co Ltd., New India Assurance Co. Ltd. and United India Insurance Ltd.
Commodity Businesses
HDFC Bank is the leading clearing bank for National Commodity & Derivative
Exchange Ltd., (NCDEX), Multi Commodity Exchange of India Ltd., (MCX) and
National Multi Commodity Exchange of India Ltd. (NMCE), offering a range of
products and services in the Commodity Exchange Business
Trusts
The trust services at HDFC Bank provide with the dual advantages of a secure
depository and efficient administration of your securities. HDFC Bank provides
complete administrative and fiduciary support for a wide range of financing and
investing structures

GOVERNMENT SECTOR
HDFC Bank acts as an active medium between the government and the customers by
means of various services. These services include :
Tax Collection
E-Ticketing
Collection of Property Tax through Selected Branches on behalf of Municipal Corporation
Prime Minister National Relief Fund (PMNRF) Collection of Donations from public at large
through our selected Branches under Prime Minister National Relief Fund. The funds of
PMNRF are utilised primarily to render immediate relief to the victims of natural calamities
like floods, cyclone, earthquakes etc.

INVESTMENT BANKING
Debt Capital Markets
Their work in Debt Capital Markets encompasses lead managing, underwriting and
placement of listed / unlisted Non-Convertible Debentures and Structured Bonds and
providing capital solutions to clients across various target sectors.
Project and Structured Finance
We provide comprehensive solutions including project level advisory, assessment, financing
and capital raising through Term loans and/or bonds (comprising Project Loans, Loans for
Capital Expenditure, Refinancing and Acquisition/ Structured financing) in Indian Rupee and
Foreign Currency with expertise in sectors likePower and renewable energy(Wind, Solar and
Hydro),Transportation(Roads, Seaports, Airports & Railways),etc.

Marketing Strategies
Cross-selling activities
Maintaining public relations
Advertising
Personal banking for the customers
Focus on Relationship banking
Bank tries to establish a customer relationship

management in almost every branch.

Customer centric technologies

Marketing campaigns launched

by HDFC bank
HDFC Bank has launched neighbourhood
marketing initiatives in tiertwo cities and
towns to create awareness about its various
products and services.
The bank has also launched another initiative
called Business Ki Baten, which is targeted
at areas where the bulk of the population
comprises small businessmen.

Technology in Banking
HDFC bank uses CRM technology when

interacting with the customers. They are as

follows; Call center Automation, Data
warehousing, Email Management, Field
Service Automation, Marketing Automation
Network
Servers

Continued..
Banking applications
Disaster Recovery setup
Banking through multi-channels
Rolling out new branches
Security trends

Documents Required To Open Bank

Account
Individual:
Photo ID proof
Address proof
Pan Card
Two passport size photograph
The name & address on the proof should match

with the name, residence address mentioned on

the application form.

Corporate Account:
Memorandum of Association ( MOA ) &
Articles of Association (AOA ) &
Certificate of Incorporation &
Board Resolution (BR) - duly signed &
PAN Card in the name of the company &
Certificate of commencement of business (Only in

case of Public Ltd Co)

Any documents as mentioned above (except BR)
containing address will be acceptable as address
proof also.

What KYC means?

Customer?

One who maintains an account, establishes business

relationship, on whos behalf account is maintained,
beneficiary of accounts maintained by intermediaries, and
one who carries potential risk through one off transaction
Your? Who should know?

Branch manager, audit officer, monitoring officials, PO.

Know? What you should know?

True identity and beneficial ownership of the accounts

permanent address, registered & administrative address,
sources of funds, nature of customers business etc.

Objective of KYC guidelines

To prevent banks from being used, intentionally or unintentionally,

by criminal elements for money laundering activities .

KYC procedures also enable banks to know/understand their
customers and their financial dealings better which in turn help
them manage their risks prudently.
4 key elements of KYC policies
Customer Acceptance Policy;
Customer Identification Procedures;
Monitoring of Transactions; and
Risk management

Presented By:
Shrenik Mehta
Samir Bedi
Sagar P Jain
Yash Poddar
Srivastava Prashant