banking hdfc

8/7/2019 banking HDFC

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Submitted by-

Amardeep Bhogal (04)

Narottam Kumar (33)Robin Manglani (46)

Venkatesh Kumar (60)

Vivek Singh (62)

PGDM II A


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Rupee Earnedcomm. Exch &Brokerage 15.25

other Intt.Income3.02

Fx & Derivative3.31

investment &

intt. 27.12

intt from fin.Advances 51.14

Others 0.15

Rupee Spend

Tax 6.22

Provision 14.58

Divindend & itsTax 3.27

Tranfr to

Reserves 5.37OperatingExp.30.27

Inttt Exp 39.75

Lets know some basic fundas

regarding any Bank in India


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Financial Year 2010

Revenue US$ 4.6 billionOperating income US$ 1 billionProfit US$ 688.47 million

Total assets US$ 39.723 billionTotal equity US$ 4.8 billionEmployees 51,888


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Existing

Organization

y One of the Big FourBanks of India.

y Second largest privateBank after ICICI

y Promoter-

Housing DevelopmentFinance Corporation

y Has its presence in 779Indian towns and cities

Mr. Deepak ParekhFounder, HDFC Bank


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Financial eputation

FY 2009


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M & A

In 2008 acquiredCenturion Bank of Punjab

I. Total branches moved to1,000+.

II. The amalgamated bankemerged with a base ofabout s. 1,22,000 cr.

III. The balance sheet size of

the combined entity ismore than

s. 1,63,000 cr.

In 2000Times Bank imited

was merged with C Bank td.1. 1st merger of two rivate banks

in India.

2. Shareholders of Times Bankreceived 1 share of C Bankfor 5.75 shares of Times Bank.


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We focus the philosophy based on:

1. Customer Focus,2. OperationalExcellence,

3. ProductLeadership and4. People.


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Our mission is to be "a World Class Indian Bank", benchmarkingourselves against international standards and best practices in terms ofproduct offerings, technology, service levels & risk management.

The vision is:To build sound customer franchises across distinct businessesTo be a preferred provider of banking services for target retail

and wholesale customer segments

To achieve a healthy growth in profitability, consistent withthe Bank's risk appetite.Ensure the highest levels of ethical standards, professional

integrity, corporate governance and regulatory compliance.


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y Increase our market share in India through adisciplined growth strategy focusing on quality and not

on quantityy Delivering high quality customer service.y Maintain our current high standards through

disciplined credit risk management.y Develop innovative products and services that attract

our targeted customers.y Continue to develop products and services that reduce

our cost of funds.y Focus on high earnings growth with low volatility.

Our

businessstrategy


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S. No. S denotes

in Japanese

S means

in EnglishS 1 Seiri Sort

S 2 Seiton Systematize

S

3Seiro Spic-N-Span

S 4 Seiketu Standardize

S 5 Skitsuke Sustain

Five S Part of Kaizen


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yHelped the Gujarat earthquake sufferers.

yHelped the weaker section by putting 51

livelihood projects.yHelps the Sir Shapur Ji Billimoria foundation.


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CSR

that HDFC

should performy Contribution to Education.

y Providing healthy drinking water facilities

(if possible in front of their own branches)yAbolishing the gap between the rich and poor by

becoming a bank for every citizen.

y Contribute to women education & employment.


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The Marketing Mix


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roduct

1. Personal Banking 2. NRI Bankingy Private Banking

y Accounts and Depositsy Credit, Debit and Pre-paid

Cards

y Investments and Insurance

y Forex and Trade Services

y Loans

y

Accounts and Depositsy Investments and Insurance

y Payment Services

y emittances

y Loans


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Wholesale

Banking Services

Government SectorSmall and MediumEnterprisesFinancialInstitutions & TrustsCorporate

Retail Banking

Services

World-class servicedelivered to customersthrough growing branch

network via alternativedelivery channels likeATMs Phone Banking NetBankingMobile Banking

Treasury

Foreign Exchangeand Derivatives

Local CurrencyMoneyMarketDebtSecurities, andEquities


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Lets Mention a FEW


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net intt.Income69

fee income23

forexincome 4

treasuryincome 3

otheroperating

income 1

Feeincome

Forexincomes

Treasury

etintt.

income

BCGMATRIX

NET EVENUE


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roduct

Where do we want to be???yA product within the reach of all customers.

yA bank which is

For the youthBy the youth

To the youth

yAn a/c which can be operated anytime anywherethroughout the world.

yAttaining maximum sales but not at the cost of theenvironment.

yA debit & a credit card in each individuals pocket.


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rice

y Providing installment schemes in Purchasing a cell phones.

y Loss leader Pricing

y

Special Event Pricing1. Silver Jubilee Special

2. BirthdaySpecial

y Fixed terms credits for natural persons or small tradingcompanies

y Penetrating the market

y On cost side.

y On revenue side.

How will we get there???


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roduct

y Line stretching.

y Reducing the minimum balance to be maintained by theuser in the savings account to less than 500.

y Introducing a zero balance scheme for the youth.

y Maximum balance that can be availed from an ATMmachine per day should be increased to 1 lac.

y Lowering the rate of interest charged on loans to

minimum.y A min. of15 days should be given to the users in case their

account has gone down from the min. balance limit.

y Quick issue of debit/credit card should be made.



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SecurityDeveloping security checks in case the Debit/Credit card is

lost through

Tracking SystemPutting some chips that would help to get the location ofthe check.

Checking of unauthorized use of the cards throughbetter creative systems.

Avoiding hacking of bank accounts through employmentofBetter & expensive foreign technology.Getting excess to wrong usage


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rice

y s. 10k minimum

balance tomaintain a debitcard

yMarket Skimming

Pricing (Taking thecream)

y Cost plus profit


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rice

W

here do we want to be???Providing low interest loan schemes in order to be known asTHE HDFC bank.Calling at Customer Care centers should be made toll free.

A preferred choice when going for an NRI account.Internet Banking-saves on the customer & the BankLoan policy of bank has been reviewed and current RBIguidelines have been incorporated.Increase in the term loan exposure limit to infrastructure

sector to 15% from 10%.Operational guidelines on forward exchange contracts andderivatives.Policy for financing corporate.


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lace

Has its presence in 779

Indian towns and cities.

Has a countrywide

network of 1,725 Branches& 4,232 ATMs.

6 branches in Singapore.

4 branches in South-East.

BUT

Hasn't concentrated much

on the rural Region of the

country


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lace

W

here do we want to be???

Determined to accomplish the vision ofbecoming a

World-Class Indian Bank


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lace

y Opening new & maximum no. of branches worldwide.

y Going for tie-ups with other small banks in order to showits global presence.

y Opening branches in rural areas of India in order to reachthe masses.

y Putting up ATM machines throughout the world.

y Putting more ATM machines in major cities for ready

access.y Money transactions should be made at all possible

branches.

y Defense people should get access to ATMs at remote areas.



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GeographicSegmentation

ural India

Urban India

est of the world

1.S

outh East2. European countries

3. The USA


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romotion We Understand yourWorld


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romotionWhere e a t t e???


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romotion


1. Advertising through hoarding at theMetro stations in Delhi & other Metros.

2. Starting ATM machines at metrostations


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Ethics &

Values


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Marcomm:y An emotional appeal through our

advt.y Personal selling with a feel that

the schemes are beneficial to theusers.

y Creating such products that make

us the pioneer in that segment.y Launching products through

offers like:take loan of 10 lac & get a demat a/c

opened for F EE.y Launching new saving a/c

schemes for kids.y Keeping in view that promotion

should not be made at the costour ETHICS & CUSTOMESE VICES.


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eople

Mr.C. M. VasudevChairman, HDFC

Efficient top managementYoung and dynamic bank, with a youthful & enthusiastic team

BUTCustomer centric staff needs continuous training which can be inculcated

throughVestibule training processOn the job training processOff the job training process

Mr. Aditya PuriMD, HDFC


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hysical Evidence


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rocess

Depart ent C l r C ing

Welc eDesk Black

Pers nal Bankers Blue

Seller Yell

Relati nshipManager Green

Branch Manager Red

Dematacc unt Purple

Others White

Though we have a unique Color Coding Department-wise systemstill our objective remains continuous improvement because we wish to become

World-Class Indian Bank


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Awards & Recognitions

Forbes Asia-

FAB 50 COMPANIES -5TH YEAR IN A ROW

NDTV Business Leadership Awards 2010

BEST PRIVATE SECTOR BANK

FE-EVI Green Business Leadership Award-

BEST PERFORMER IN THE BANKING CATEGORY

Our MD Mr. Aditya Puri

ET BUSINESS LEADER OF THE YEAR 2010


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M

arketS

hare


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Branding


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Branding Strategies:

y Working towards being aWorld-Class Indian Bank

y Putting in efforts such that the Youth is Targeted

successfully.y Employee training would lead us as a brand.

Working more ingetting recognized

through its logo


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Branding could be achieved through


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ALL BANKING ISSUESSOLVED AT A CLICK!!!!!!!

1.Getting better access through mobileas well as internet technology.

2.Creating a banking solution to loans &

debit/credit issues.3.Developing brand image through

better Personal Selling.

Our suggestion


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Introducing a Brand Ambassador

B d i


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BudgetingAssume a budget of Rs. 200 crore

From the profit of around Rs. 2900cr.

CSR-Rs. 2 Cr.

Launching a branch in London & Washington D.C- Rs. 50 Cr.

Hoardings-Rs. 10 lac

Zero Balance Scheme in existing Main Branches

Rs. 38 Cr. 95 lac

TV Advertisement Rs. 15 lac

New ATM machines at Metro Stations Rs.70 lac

Cell-phone loan scheme Rs. 10 lac

Loan scheme @ min. interest rate Rs. 98 cr.

Brand Ambassador- Big B- Rs. 1 Cr.


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IT 22

Financial Services 33

banking 9

Telecom 8

FMCG 11

Consulting 9

ecruitment


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Saveney

ys!!!


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banking hdfc

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