Damani vivek.Khambholiya Manan.

Pokar Bhargav.Hirpara Sailesh

Rasadiya Mehul.

Prepared By-

SUBMITTED TO :-MS. Anupama Goswami.

Founder of HDFCHasmukh Bhai parekhIn 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. Aditya Puri, Managing director

Mr. Jagdish Kapoor , chairman of HDFC Bank.

Mr. Harish Engineer, Executive directors

Keki Mistry, Managing Director

Mr. A Rajan, Country Head-Operations

Mr. Rahul Bhagat, Vice president

HDFC Focuses onUnderstanding 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 OFHDFC 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 branches1977 ATM’s in the country327 cities in India16 branches in Middle east6 in AfricaRepresentative offices in Hong Kong, New York, London & Singapore

Accounts of Religious institutionsShree siddhivinayak GanpatDargah khwaja sahib ,AjmerLaxmi narayan mandir DelhiMata vaishno devi MandirJagan Nath temple Shirdi Sai babaGolden templeAmarnath temple

ASSOCIATE COMPANIES

NEW LOGO AND TAG LINE

SERVICESATMCredit CardsNet BankingPhone BankingMobile Banking

Loans

AchievementsHDFC 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

Analysisand

Interpretation

RATIO ANALYSISCLASSIFICATION OF RATIOS

Current Ratio

Current ratio = Current assets Current liabilities

1.36

1.47

1.39

1.32

1.34

1.36

1.38

1.40

1.42

1.44

1.46

1.48

in %

2010 2011 2012

year

• 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.

Interpretation: -

Quick Ratio

0.55

0.60.69

0

0.1

0.2

0.3

0.4

0.5

0.6

0.7

in %

2010 2011 2012

year

Quick ratio = quick asset Current liability

• 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

Interpretation

•Debt – Equity Ratio Debt – Equity Ratio

4.064.39

4.98

00.5

11.5

2

2.53

3.54

4.5

5

in %

2010 2011 2012year

Debt Equity Ratio: = Long Term liability *100 Shareholders Fund

•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.

Interpretation

•NAV Ratio •Net Assets Value(NAV) :- = Equity Shareholder’s Fund No. Of Equity Share

4.57 4.34

3.86

0.854

0.856

0.858

0.86

0.862

0.864

0.866

0.868

0.87

in %

2010 2011 2012year

• 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.

Interpretation

•Net profit ratio

12.2

12.37 12.37

12.1

12.15

12.2

12.25

12.3

12.35

12.4

in %

2010 2011 2012

year

Net profit ratio = Net profit ×100 Sales

• 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.

Interpretation

•RAM ratio

1.58

1.6

1.58

1.57

1.575

1.58

1.585

1.59

1.595

1.6

in %

2010 2011 2012year

Return on capital employed ratio = Net profit X 100 Capital Employed

• 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.

Interpretation

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

CONCLUSIONSuccess 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.