INDIAN BANKING INDUSTRY

Financial Structure

Commercial banks

a. Public sector b. Private sector c. Foreign banks d. Cooperative institutions (i) Urban cooperative

banks(ii) State cooperative

banks(iii) Central cooperative

banks

Financial institutions

a. All-India financial institutions (AIFIs) b. State financial corporation’s (SFCs) c. State industrial development corporations (SIDCs)

Nonbanking financial

companies (NBFCs)

Capital market intermediaries

Magnitude Of BANK

Employment in Banks

Bank Group-Wise Distribution of Employees of Schedule Banks

Market Share of Bank

Share in Assets of Scheduled Commercial Banks

Technology in Banking

Key Player in Indian Banking Sector

Public sector banks• Allahabad Bank• Andhra Bank• Bank of Baroda• Bank of India• Bank of Maharashtra• Canara Bank• Central Bank of India• Corporation Bank• Dena Bank• IDBI Bank Ltd• Indian Bank• Indian Overseas bank

• Oriental Bank of Commerce• Punjab & Sindh Bank• Punjab National Bank• State Bank of India• State Bank of Bikaner & Jaipur• State Bank of Hyderabad• State Bank of Indore• State Bank of Mysore• State Bank of Patiala• State Bank of Travancore• UCO Bank• Syndicate Bank

Private banks

• Axis Bank• Bank of Rajasthan• Catholic Syrian Bank• City Union Bank• Development Credit Bank• Dhanalakshmi Bank• Federal Bank• HDFC Bank• ICICI Bank• IndusInd Bank• ING Vysya Bank

• Jammu & Kashmir Bank• Karnataka Bank• Karur Vysya Bank• Kotak Mahindra Bank• Lakshmi Vilas Bank• Nainital Bank• Ratnakar Bank• SBI Comm& Intl Bank• South Indian Bank• Tamil Nadu Mercantile Bank• Yes Bank

Foreign banks

• The Royal Bank of Scotland• Abu Dhabi Commercial Bank• American Express Banking• Corporation• Antwerp Diamond Bank• AB Bank• Bank International Indonesia• Bank of America• Bank of Bahrain & Kuwait• Bank of Ceylon• Bank of Nova Scotia• Bank of Tokyo Mitsubishi UFJ• Barclays Bank

• BNP Paribas• Calyon Bank• Chinatrust Commercial Bank• Citibank• DBS Bank• Deutsche Bank• Hongkong & Shanghai Banking

Corpn• JP Morgan Chase Bank• JSC VTB Bank• Krung Thai Bank• Mizuho Corporate Bank• Mashreq Bank

Opportunity in Indian Banking Sector

• Pension fund industry in India grew at a CAGR of 122.44% from 1999-00 to 2006-07.

• Rural and semi-urban India is expected to account for 58.33% of the insurance sector by 2010.

• Debit cards and Credit cards.• Rural and semi-urban centers

account for 66% of total bank branches.

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Overview of HDFC Bank

Housing Development Finance Cooperation Ltd.

1st – Bank to receive an “in principle approval” from RBI.

Incorporated in August 1994,in the name of “HDFC Bank Ltd.”

1st – Registered Office in Mumbai

HDFC Bank commenced operations as a Scheduled

Commercial Bank in January 1995.13

Business Focus

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Business Philosophy : Based on 4 Core Values - a) Operational Excellence b) Customer Focus c) Product Leadership d) People

MISSION : “World Class Indian Bank”.

OBJECTIVE : Maintain Ethical Standards, Professional Integrity &Cooperate Governance.

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Wide Range of Products

• V

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RETAIL BANKING

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

Other Products / Services: -- POS Terminals- Debit Cards- Depository Accounts- Mutual Fund Sales- Insurance Sales- NRI Services- Bill Payment Services

Wholesale Banking

Commercial Banking: - Working Capital - Credit Substitutes - 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

Key Segments:

- Large corporate- Supply Chain - Emerging Coop - Financial Inst - Government

TreasuryProducts: Other Functions: - Foreign Exchange - Asset Liability Management- Debt Securities - Statutory Reserve Management-- Derivatives-- Equity

One – Stop Shop to meet Diverse Customer Needs

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MERGER OF CBOP WITH HDFC BANK

CBoP = HDFC

On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was formally approved by RBI. Shareholders of CBoP received 1 share of HDFC Bank for every 29 shares of CBoP, valuing CBoP at INR 95bn. The balance sheet size of the combined entity would be over Rs. 1,63,000 crore.

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KEY PERSONS

CHAIRMAN-

K.V. KAMATH

M.D. & CEO-

CHANDA KOCHHAR

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VISION

To be the leading provider of financial services in India & a global player.

MISSION

“Perfection in Power”

We will leverage our people, technology, speed & financial capital to:

1. Be the banker of first choice for our customers by delivering high quality, world class products & services.

2. Expand the frontiers of our business globally.3. Maintain high standards of governance & ethics.4. Create value for our stake holders.

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VALUES

HISTORY

Founded in 1955.

Incorporated at the initiative of World Bank, GOI & Representatives of Industry. Objective was to provide financial assistance to Business projects.

Earlier known as “Industrial Credit & Investment Corporation of India”.

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OVERVIEWOffers a wide range of products & financial services.

ICICI BANK- Second largest bank.

ICICI PRUDENTIAL- Largest private sector insurance company.

ICICI LOBARD- Largest private sector general insurance company.

ICICI SECURITIES- Largest equity house in the country.

ICICI PRU AMC- Third largest mutual fund.

ICICI VENTURE- One of the largest private equity firms.

India’s second largest bank.

Biggest private sector bank.

Introduced the concept of DSA & DST.

Focus on retail banking as a driver for growth.

Introduced the concept of branding in Indian

HQ BANDRA KURLA COMPLEX, MUMBAI

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Banking Industry.

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MARKETING STRATEGY

To make its presence more prominent

Focus on credit quality

To create awareness about products through advertisement

To maintain its brand of a global bank

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FUTURE PLANNING & CHALLENGES

To revive growth after the sub-prime crisis

To increase its presence across India through mergers.

To restore customer’s faith

To maintain its brand & position of its subsidiaries

To capitalize on its strength i.e. maintain its place globally

To reduce the operating expenses, NPL &NPA.

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2006 2007 2008 2009 20100

50000

100000

150000

200000

250000

300000

350000

R & SNet AssetsLoan Funds

LAST 5 YEAR PERFORMANCE

Rs. crore

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LAST 5 YEAR PERFORMANCE

2006 2007 2008 2009 20100

5000

10000

15000

20000

25000

30000

35000

40000

45000

IncomeExpensesProfit

Rs. crore

Strengths Weakness

OpportunityThreats

ICICI Bank

Conclusion

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