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Prepared By-
                            Damani vivek.
                       Khambholiya Manan.
SUBMITTED TO :-            Pokar Bhargav.
MS. Anupama Goswami.       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 '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.
 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 Head-Operations


  Mr. Rahul Bhagat, Vice president
HDFC Focuses on
Understanding the needs of customers and offering them
 superior product and service.

 Leveraging technology to service customers quickly and
 conveniently.

To create quality of consumers and not quantity of Consumers.

 Providing and enabling environment to foster growth and
 learning for the employees.
THE THREE MAJOR FUNCTIONS OF
     HDFC BANK
HDFC Bank deals with three key business segments:-

 Retail Banking Services
 Wholesale Banking Services
 Treasury Operations
Capital Structure
 The authorized capital of HDFC Bank is Rs550
  crore (Rs5.5 billion).
 The paid-up capital is Rs424.6 crore (Rs.4.2
  billion).
 The HDFC Group holds 19.4% of the bank's
  equity
 Roughly 28% of the equity is held by Foreign
  Institutional Investors (FIIs) and the bank has
  about 570,000 shareholders
NETWORK   761 branches
          1977 ATM’s 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
NEW LOGO AND TAG LINE
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 Pacific’s best 50
 companies by Forbes magazine.
'Best Bank in the Private Sector 2008.'
HDFC Bank ties up with Qatar National Bank.
VISION
 Increase market share in India’s banking sector
 Leverage technology platform
 Maintain standards for asset quality
 Focus on high earnings growth with low volatility
 Develop innovative products and services
MISSION
 Mission 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.
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
                 1.36                 1.39
in %    1.40

        1.38

        1.36

        1.34

        1.32
               2010      2011      2012
                         year
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.

• Here, it shows that the bank has 1.36:1, 1.47:1 & 1.39:1
which is quite satisfactory but can be improved by better
turnover and profit and also by decreasing liabilities.
Quick Ratio
Quick ratio = quick asset
             Current liability
                                             0.69
        0.7                     0.6
                 0.55
        0.6
        0.5

        0.4
 in %
        0.3
        0.2
        0.1
          0
              2010      2011          2012
                         year
Interpretation
•      If the ratio 1:1 then firm has enough cash on
hand to meet all current liabilities. In cash position
ratio 1:1 is satisfactory result.

•      In 2009-2010 year’s ratio is 0.55:1 & 2010-11
year’s ratio is0.60:1 & 2011-12 year’s ratio is 0.69. It
means the good position for the bank. In the cash
position ratio cash is increase in 2010-11 compare
with 2009-10. And also marketable securities increase
in 2012
•Debt – Equity Ratio
Debt Equity Ratio:      =      Long Term liability *100
                                Shareholders Fund

                                        4.98

         5                  4.39
                 4.06
       4.5
         4
       3.5
         3
in   % 2.5
         2
       1.5
         1
       0.5
         0
               2010     2011          2012
                        year
Interpretation

•This ratio is continues increasing but the
figures are not satisfactory. This ratio
indicates equity capital or owner’s capital
is increasing. It should be 10 times higher
than the present position.
•NAV Ratio
•Net Assets Value(NAV) :-
                          = Equity Shareholder’s Fund
                               No. Of Equity Share
                                            3.86


         0.87
        0.868
        0.866
        0.864
                   4.57           4.34
        0.862
in %
         0.86
        0.858
        0.856
        0.854
                2010           2011      2012
                               year
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.
•Net profit ratio

 Net profit ratio = Net profit ×100
                      Sales

                              12.37        12.37
      12.4

     12.35

      12.3

in % 12.25      12.2

      12.2

     12.15

      12.1
             2010          2011         2012
                           year
Interpretation
         •    Generally this ratio is required 10 to 15%.
If it is more than 15% than it shows good position but
if it under 15% it is not good but required position is
good.
         •    In 2010- 11the net profit ratio is 12.20%,
& in 2011-12 the net profit ratio is 12.37% it is good
for bank.
•RAM ratio
Return on capital employed ratio    =   Net profit X 100
                                        Capital Employed



                              1.6
        1.6

      1.595

       1.59

 in % 1.585      1.58                      1.58
       1.58

      1.575

       1.57
              2010         2011          2012
                           year
Interpretation
•  Return on capital employed is stable around 1.60%.
This ratio also shows wrote position. Because this is not
satisfactory return on capital employed. In accordance
to banking industry it should be between 2% to 4%. So
that it can be said that return on capital employed is
lower.
Recommendations
Better inventory management is required
 because it’s 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 there is
  nothing to lose by trying and a great deal to gain if
  successful, by all means try”
•The study may be a helpful step ahead in increasing the
morale of each Employee
• By studying this, Bank will can come to know that what
effective measure can be take to maintain the effective use of
resources.
• Such results and conclusions are definitely helpful in order
to achieve goals of the organization in this modern business
world.
•There is a lot to be said for valuing a company, it is no easy
task. I hope that I have helped shed some light on this topic
and that you will use this information to make educated
investment decision.
A study on financial analysis of hdfc bank

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A study on financial analysis of hdfc bank

  • 1. Prepared By- Damani vivek. Khambholiya Manan. SUBMITTED TO :- Pokar Bhargav. MS. Anupama Goswami. Hirpara Sailesh Rasadiya Mehul.
  • 2. 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.
  • 3. 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 '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.  Registered office in Mumbai, India  Listed in NSE and BSE
  • 4. 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 Head-Operations Mr. Rahul Bhagat, Vice president
  • 5. HDFC Focuses on Understanding the needs of customers and offering them superior product and service.  Leveraging technology to service customers quickly and conveniently. To create quality of consumers and not quantity of Consumers.  Providing and enabling environment to foster growth and learning for the employees.
  • 6. THE THREE MAJOR FUNCTIONS OF HDFC BANK HDFC Bank deals with three key business segments:-  Retail Banking Services  Wholesale Banking Services  Treasury Operations
  • 7. Capital Structure  The authorized capital of HDFC Bank is Rs550 crore (Rs5.5 billion).  The paid-up capital is Rs424.6 crore (Rs.4.2 billion).  The HDFC Group holds 19.4% of the bank's equity  Roughly 28% of the equity is held by Foreign Institutional Investors (FIIs) and the bank has about 570,000 shareholders
  • 8. NETWORK 761 branches 1977 ATM’s in the country 327 cities in India 16 branches in Middle east 6 in Africa Representative offices in Hong Kong, New York, London & Singapore
  • 9.
  • 10. 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
  • 12. NEW LOGO AND TAG LINE
  • 13. SERVICES ATM Credit Cards Net Banking Phone Banking Mobile Banking Loans
  • 14. 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 Pacific’s best 50 companies by Forbes magazine. 'Best Bank in the Private Sector 2008.' HDFC Bank ties up with Qatar National Bank.
  • 15. VISION  Increase market share in India’s banking sector  Leverage technology platform  Maintain standards for asset quality  Focus on high earnings growth with low volatility  Develop innovative products and services
  • 16. MISSION  Mission 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.
  • 17. VALUES  Business philosophy is based on four core values  Customer Focus  Operational Excellence  Product Leadership  People
  • 18. Analysis and Interpretation
  • 20. Current Ratio Current ratio = Current assets Current liabilities 1.47 1.48 1.46 1.44 1.42 1.36 1.39 in % 1.40 1.38 1.36 1.34 1.32 2010 2011 2012 year
  • 21. 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. • Here, it shows that the bank has 1.36:1, 1.47:1 & 1.39:1 which is quite satisfactory but can be improved by better turnover and profit and also by decreasing liabilities.
  • 22. Quick Ratio Quick ratio = quick asset Current liability 0.69 0.7 0.6 0.55 0.6 0.5 0.4 in % 0.3 0.2 0.1 0 2010 2011 2012 year
  • 23. Interpretation • If the ratio 1:1 then firm has enough cash on hand to meet all current liabilities. In cash position ratio 1:1 is satisfactory result. • In 2009-2010 year’s ratio is 0.55:1 & 2010-11 year’s ratio is0.60:1 & 2011-12 year’s ratio is 0.69. It means the good position for the bank. In the cash position ratio cash is increase in 2010-11 compare with 2009-10. And also marketable securities increase in 2012
  • 24. •Debt – Equity Ratio Debt Equity Ratio: = Long Term liability *100 Shareholders Fund 4.98 5 4.39 4.06 4.5 4 3.5 3 in % 2.5 2 1.5 1 0.5 0 2010 2011 2012 year
  • 25. Interpretation •This ratio is continues increasing but the figures are not satisfactory. This ratio indicates equity capital or owner’s capital is increasing. It should be 10 times higher than the present position.
  • 26. •NAV Ratio •Net Assets Value(NAV) :- = Equity Shareholder’s Fund No. Of Equity Share 3.86 0.87 0.868 0.866 0.864 4.57 4.34 0.862 in % 0.86 0.858 0.856 0.854 2010 2011 2012 year
  • 27. 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.
  • 28. •Net profit ratio Net profit ratio = Net profit ×100 Sales 12.37 12.37 12.4 12.35 12.3 in % 12.25 12.2 12.2 12.15 12.1 2010 2011 2012 year
  • 29. Interpretation • Generally this ratio is required 10 to 15%. If it is more than 15% than it shows good position but if it under 15% it is not good but required position is good. • In 2010- 11the net profit ratio is 12.20%, & in 2011-12 the net profit ratio is 12.37% it is good for bank.
  • 30. •RAM ratio Return on capital employed ratio = Net profit X 100 Capital Employed 1.6 1.6 1.595 1.59 in % 1.585 1.58 1.58 1.58 1.575 1.57 2010 2011 2012 year
  • 31. Interpretation • Return on capital employed is stable around 1.60%. This ratio also shows wrote position. Because this is not satisfactory return on capital employed. In accordance to banking industry it should be between 2% to 4%. So that it can be said that return on capital employed is lower.
  • 32. Recommendations Better inventory management is required because it’s 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
  • 33. CONCLUSION Success is achieved by those who try where there is nothing to lose by trying and a great deal to gain if successful, by all means try” •The study may be a helpful step ahead in increasing the morale of each Employee • By studying this, Bank will can come to know that what effective measure can be take to maintain the effective use of resources. • Such results and conclusions are definitely helpful in order to achieve goals of the organization in this modern business world. •There is a lot to be said for valuing a company, it is no easy task. I hope that I have helped shed some light on this topic and that you will use this information to make educated investment decision.

Notas do Editor

  1. liberalization of the financial market in India, corporate need more sophisticated risk management information advice and product structure. including working capital finance trade services, transactional services, cash management
  2. There are more than 50 religious institutes which open there account in HDFC bank recently some of the famous temples are