COMPANY

PRESENTATION
ON

HDFC

- ANZAR HUSSAIN
- ATRAIYA TRIPATHI
 HDFC

MISSION

HDFC Bank's mission is to be a World-Class Indian Bank. The

objective is to build sound customer franchises across distinct
businesses so as to be the preferred provider of banking services
for target retail and wholesale customer segments, and to
achieve healthy growth in profitability, consistent with the bank's
risk appetite. The bank is committed to maintain the highest
level of ethical standards, professional integrity, corporate
governance and regulatory compliance. HDFC Bank's business
philosophy is based on four core values - Operational Excellence,
Customer Focus, Product Leadership and People.

COMPANY’S PROFILE

Date of Establishment 1994

Revenue Rs.5,225.8 crores (year ended March,

2007)

Market Cap Rs. 52135.82 (February 27, 2008)

Head office HDFC Bank

Ramon House, 169, Backbay
Reclamation,
H T Parekh Marg, Churchgate
Mumbai – 400020
DIRECTORS

Dr. Pandit Palande - Additional Director

C M Vasudev - Additional Director
Gautam Divan - Additional Director
Jagdish Capoor - Chairman
Vineet Jain - Director
Keki Mistry - Director
Renu Karnad - Director
Ashim Samanta - Director
Dr. Venkat Rao Gadwal - Director
Arvind Pande - Director
Harish Engineer - Executive Director
Paresh Sukthankar - Executive Director
Aditya Puri - Managing Director

HISTORY

Housing Development Finance Corporation Limited, more

popularly known as HDFC Bank Ltd, was established in the year
1994, as a part of the liberalization of the Indian Banking Industry
by Reserve Bank of India (RBI). It was one of the first banks to
receive an 'in principle' approval from RBI, for setting up a bank
in the private sector. The bank was incorporated with the name
'HDFC Bank Limited', with its registered office in Mumbai. The
following year, it started its operations as a Scheduled
Commercial Bank. Today, the bank boasts of as many as 1412
branches and over 3275 ATMs across India.
AMALGAMATIONS
In 2002, HDFC Bank witnessed its merger with Times Bank
Limited (a private sector bank promoted by Bennett, Coleman &
Co. / Times Group). With this, HDFC and Times became the first
two private banks in the New Generation Private Sector Banks to
have gone through a merger. In 2008, RBI approved the
amalgamation of Centurion Bank of Punjab with HDFC Bank. With
this, the Deposits of the merged entity became Rs. 1,22,000
crore, while the Advances were Rs. 89,000 crore and Balance
Sheet size was Rs. 1,63,000 crore.

PRODUCT AND SERVICES

Personal Banking
• Savings Accounts
• Salary Accounts
• Current Accounts
• Fixed Deposits
• Demat Account
• Safe Deposit Lockers
• Loans
• Credit Cards
• Debit Cards
• Prepaid Cards
• Investments & Insurance
• Forex Services
• Payment Services
• NetBanking
• InstaAlerts
• MobileBanking
• InstaQuery
• ATM
• PhoneBanking
NRI BANKING

• Rupee Current AccountRupee Fixed Deposits

• Foreign Currency Deposits
• Accounts for Returning Indians
• Quickremit (North America, UK, Europe, Southeast Asia)
• IndiaLink (Middle East, Africa)
• Cheque LockBox
• Telegraphic / Wire Transfer
• Funds Transfer through Cheques / DDs / TCs
• Mutual Funds
• Private Banking
• Portfolio Investment Schemes
• Loans
• Payment Services
• NetBanking
• InstaAlerts
• MobileBanking
• InstaQuery
• ATM
• ment Schemes
• Loans
• Payment Services
• NetBanking
• InstaAlerts
• MobileBanking
• InstaQuery
• ATM
• PhoneBanking

COMPETITORS
Company Sales Current Change P/E Market 52-Week
(Rs.Cr.) Price (%) Ratio Cap.(Rs.Cr.) High/Low

ING Vysya2724.28 257.15 7.34 13.98 2638.66 275/104

Bank Ltd.

YES Bank2423.90 174.50 2.61 17.06 5184.06 177/41

Ltd.

Axis Bank13550.95 916.50 0.74 18.17 32982.15 974/278

Ltd.

City Union866.50 23.75 0.63 6.22 760.00 30/11

Bank Ltd.

Lakshmi Vilas561.51 91.20 0.49 8.84 444.84 115/51

Bank Ltd.

Karur Vysya1631.31 303.20 0.44 6.94 1635.81 360/184

Bank Ltd.

Development 742.93 37.65 0.13 0.00 661.26 55/14

Credit Bank
Ltd.

IndusInd 2647.98 101.05 0.09 24.19 3587.28 103/26

Bank Ltd.

Jammu &2603.50 566.35 -0.09 6.70 2745.54 600/210

Kashmir Bank
Ltd.

Federal Bank3531.94 218.40 -0.70 7.46 3733.38 269/110

Ltd.

Karnataka 2206.82 124.30 -0.87 5.67 1511.18 160/56

Bank Ltd.
South Indian1751.39 116.95 -1.05 6.79 1321.61 124/44
Bank Ltd.

ICICI Bank38250.39 759.20 -1.13 22.49 84523.56 808/252

Ltd.

Kotak 3262.68 721.20 -1.50 90.47 24975.03 771/208

Mahindra
Bank Ltd.

Dhanalakshmi430.63 115.15 -1.95 12.85 738.29 135/37

Bank Ltd.

Bank of1457.58 74.95 -3.66 10.27 1209.32 86/30

Rajasthan
Ltd.

CAPITAL STRUCTURE

At present, HDFC Bank boasts of an authorized capital of Rs 550

crore (Rs5.5 billion), of this the paid-up amount is Rs 424.6 crore
(Rs.4.2 billion). In terms of equity share, the HDFC Group holds
19.4%. Foreign Institutional Investors (FIIs) have around 28% of
the equity and about 17.6% is held by the ADS Depository (in
respect of the bank's American Depository Shares (ADS) Issue).
The bank has about 570,000 shareholders. Its shares find a
listing on the Stock Exchange, Mumbai and National Stock
Exchange, while its American Depository Shares are listed on the
New York Stock Exchange (NYSE), under the symbol 'HDB'.

OVERVIEW
Housing Development Finance Corporation Limited
(HDFC), a premier housing finance company, was
amongst the first to set up a bank in the private sector.
HDFC bank is involved in transactions related to
traditional commercial banking as well as investment
banking. It performs three principal business activities:
retail banking, wholesale banking and treasury. In 2007,
HDFC Bank has acquired Centurion Bank of Punjab.
Outlook Money & NDTV Profit bestowed Best Bank award
in the private sector category to HDFC bank in 2007. The
Asian Banker Excellence in Retail Financial Services
Awards recognized it as the Best Retail Bank in India.
The Managing Director of the bank, Aditya Puri, received
Leadership Achievement Award for India given by Asian
Banker.
The bank strives for customer focus, operational
excellence, product leadership and people. It believes
its growth is based on the quality of people recruited
and their efforts. It hires, develops, motivates and
retains the best people in the industry.

ROLL 1- ANZAR
HUSSAIN
ROLL 2- ATRAIYA
TRIPATHI