BANK PROFILE

HDFC Bank Limited (HDFC Bank) is a banking company. The Bank is engaged in providing
a range of banking and financial services - including commercial banking and treasury
operations.
It operates in four segments: Treasury, Retail Banking, and Wholesale Banking and other
banking business.

 The treasury segment primarily consists of net interest earnings from the Bank's
investment portfolio, money market borrowing and lending, gains or losses on investment
operations.

 The retail banking segment serves retail customers through a branch network and other
delivery channels.

 The wholesale banking segment provides loans, non-fund facilities and transaction
services to large corporate, emerging corporate, public sector units, Government bodies,
financial institutions and medium scale enterprises.

 Other Banking business segment includes income from Para banking activities, such as
credit cards, debit cards, third-party product distribution, primary dealership business and
the associated costs.
PROFILE

HDFC Bank limited is an Indian Banking and financial services company headquartered
in Mumbai (Maharashtra). Incorporated in 1944, it is the second largest bank in India as
measured by assets it is the largest private sector bank in India by market capitalization as of
December 2015, at approximately Rs. 2, 67,293.02 Cores. Mr. Aditya Puri is the Managing
Director of HDFC Bank, and has held this position since 1994. The bank is engaged in
providing a range of banking and financial services including commercial banking and
treasury operations. It operates in four segments: treasury, retail banking, wholesale banking
and other banking business.

Product:-
Investment Banking, Investment Management, Wealth Management, Private Banking,
Private Equity, Finance and Insurance, Consumer Banking, Mortgages, Credit Cards.

No. of Employees: - 69,065 (March 2013)

Area Served: - Worldwide

HISTORY
The Housing Development Finance Corporation Limited (HDFC) 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. The bank was incorporeated in August 1994 in the
n a m e o f 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC
Bank commenced operations as a Scheduled Commercial Bank in January 1995.

VISION
HDFC Bank's vision is to be "a World Class Indian Bank", benchmarking ourselves against
international standards and best practices in terms of product offerings, technology, service
levels, risk management and audit & compliance.

HDFC Bank's business philosophy is based on five core values:-

 Customer Focus

 Operational Excellence

 Product Leadership
 People

 Sustainability

MISSION

 To our shareholders :- Our mission is to optimize returns

 To our customers :- Our mission is to provide a caring service by anticipating

their requirements and innovatively satisfying them beyond their expectations.

 To our staff :- Our mission 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 :- We are the key
driver and thought leader, shaping and financing the national housing policy.

 To our natural environment :- We enforce sustainable practices across all our

activities.

OBJECTIVES
 Identifying Customer satisfactions.

 Customer Orientation towards Features available in HDFC Bank Current Account

products.

 Listing of the product preferences in Current Account.

 Recommendation on Market potential For HDFC Bank in Current Account.

ORGANISATIONAL GOALS

HDFC's main goals are:-

 Develop close relationships with individual households

 Maintain its position as the premier housing finance institution in the country
 Transform ideas into viable and creative solutions

 Provide consistently high returns to shareholders

 To grow through diversification by leveraging off the existing client base

QUALITY POLICES

 QUALITY POLICYSECURITY:
The bank provides long term financial security to their policy. The bank does this by offering
life insurance and pension products.

 TRUST:
The bank appreciates the trust placed by their policy holders in the bank. Hence, it will aim
to manage their investments very carefully and live up to this trust.

 INNOVATION:
Recognizing the different needs of our customers, the bank offers a range
of innovative products to meet these needs.

ORGANISATIONAL STRUCTURE
OBJECTIVES

PRIMARY OBJECTIVES:

 To acquire new customer by convincing them and to promote the benefits of those which
are provided by the Bank.

 To find the different way of convincing customers.

 To study brand image of the bank.

 To increase the business of the bank.

SECONDARY OBJECTIVES:

 To determine the need and purpose of a personal banker.

 To understand the deciding criteria for people to become a personal banker.

 To offer suggestions based upon the findings.

SWOT ANALYSIS

SWOT Analysis is a powerful technique for understanding your Strengths and Weaknesses,
and for looking at the Opportunities and Threats you face. Used in a business context, it helps
you carve a sustainable niche in your market. Used in a personal context, it helps you develop
your career in a way that takes best advantage of your talents, abilities and opportunities.
SWOT ANALAYSIS OF HDFC BANK

STRENGTH

 Right strategy for the right products.

 Superior customer service vs. competitors.

 Great Brand Image

 Products have required accreditations.

 High degree of customer satisfaction.

 Good place to work

 Lower response time with efficient and effective service.

 Dedicated workforce aiming at making a long-term career in the field.

WEAKNESSES

 Some gaps in range for certain sectors.

 Customer service staff needs training.

 Processes and systems, etc

 Management cover insufficient.

 Sectoral growth is constrained by low unemployment levels and competition for staff .

OPPORTUNITIES

 Profit margins will be good.

 Could extend to overseas broadly.

 New specialist applications.

 Could seek better customer deals.

 Fast-track career development opportunities on an industry-wide basis

 An applied research centre to create opportunities for developing techniques to provide

added-value services.

THREATS

 Legislation could impact.

 Great risk involved

 Very high competition prevailing in the industry.

 Vulnerable to reactive

 attack by major competitors

 Lack of infrastructure in rural areas could constrain investment.

 High volume/low cost market is intensely competitive.

CONCLUSION

HDFC Bank, the banking arm of HDFC is expected to go on stream. The bank already has
good number of employees on board and is recruiting personal banker heavily to take the
headcount to many more. It is on the brim of increasing its customers through its attractive
schemes and offer.
The project opportunities provided was market segmentation and ident
ifying prospective customers in potential geographical location
and convincing them to attract more customers so that new business
opportunities of the bank can be explored. So, at last the conclusion is that there is
tough competition ahead for the company from its major competitors in the banking
sector. Last but not the least I would like to thank HDFC Bank for giving me an
opportunity to work. I hope the company finds my analysis relevant.