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CH INSTITUTE OF MANAGEMENTCH INSTITUTE OF MANAGEMENT

& COMMUNICATION& COMMUNICATIONPresentation

On

Axis Bank & HDFC bank

Presented to Presented By

Bharat Mittal Rakesh kumar

Vipul PujariAnup Agarwal

Jitendra Gupta



ABOUT AXIS BANKABOUT AXIS BANK

y Axis Bank was the first of the new private banks tohave begun operations in 1994, after the Governmentof India allowed new private banks to be established.

y The Bank was promoted jointly by the Administrator of the specified undertaking of the:-

Unit Trust of India (UTI),

Life Insurance Corporation of India (LIC) &

General Insurance Corporation of India (GIC) .

y The Bank today is capitalized to the extent of Rs.359.76 crores with the public holding (other thanpromoters) at 57.79%.



y The Bank's Registered Office is at Ahmedabad and itsCentral Office is located at Mumbai.

y The Bank has a very wide network of more than 905

branches and Extension Counters.

y The Bank has a network of over 3894 ATMs providing 24hrs a day banking convenience to its customers. This isone of the largest ATM networks in the country.

y At present AXIS BANK is the 3rd largest private sectorbank in India

Contd«..



MISSIONMISSION

y Customer service and product innovation tuned todiverse need of individual and corporate clients

y Continuous technology up gradation whilemaintaining human values

y Progressive globalization and achievinginternational standards

y Efficiency and effectiveness built on ethicalpractices



Competitors«Competitors«y Private Sector competitors:

-HDFC

-ICICI

y Public Sector competitors:

-SBI

-PNB



CORE VALUECORE VALUECustomer satisfaction through:-

y Providing quality service effectively and efficiently.

y Maximization of stake holders value.

y Success through teamwork, integrity and people

y Bank business is divided into 4 segments:-

Retail banking,Corporate banking.Treasury banking andMerchant banking.

y Apart from this, the bank is also into insurance, investmentbanking, mortgage financing, credit cards and depositoryservices

y it is also registered on the following exchanges* OTCEI* BSE* NSE*London stock exchange



SERVICESSERVICES

Retail bankingy Deposit schemesy Loans and advances

- Personal Loans- Housing Loans- Cards- Consumer durables

- Auto Loans



Personal banking

y Accounts

- Terms deposits

- Fixed deposits- Recurring deposits

y Cards

- Different variants like: Gold plus cards, silverand silver plus cards

Contd«



FEATURESFEATURES

y Anywhere banking

y Instant fund transfer

y Interest banking (interest would be credited at

the rate of 3.5% per annum in your account)

y At-par (multi-city) cheque book

y ATM cum Debit card

y

Mobile bankingy Phone banking



ORGANISATION STRUCTUREORGANISATION STRUCTURE

BOARD OFDIRECTORS

COMMITTEE OFDIRECTORS

RISK MANAGEMENTCOMMITTEE OF

THE BOARD

AUDITCOMMITEE

CREDIT COMMITTEEAND INVESTMENT

COMMITIEES

ASSET-LIABILTYCOMMITTEE

(ALCO)

OPERATION RISKMANAGEMENT

COMMITTEE (ORMC)

CREDIT RISKMANAGEMENT

COMMITTEE

COMMITTEE

OFEXECUTIVES



SWOT ANALYSISSWOT ANALYSIS

SWOT

STENGTHS

Brand name

Support of variouspromoters

High level of services

Knowledge of Indianmarket

WEAKNESS Not having a good image Market capitalization is

very low Not been fully able to

position itself correctly.

OPPORTUNITIES

Growing Indian bankingsectors

People are becomingmore service oriented

In the global market

Dissatisfied customers

THREATS

From the variouscompetitorsForeign banksGovernment banksFuture market trendsAdvent of MNC banks



STP OF AXIS BANKSTP OF AXIS BANKo Segmentation:

-These banks consider the customer serviceas the base for segmentation.- Here buyer give emphasis on the services &

believe in using technical advance product.y Targeting:

-Axis bank target the people of the urban & semi-urban area.- People who believe in high set of product &

want speedy services.

-Selective specialization strategy Positioning:

- Axis banks are positioned as the technicallyadvance & delivering tougher set of customerservices.



Market Communication ObjectivesMarket Communication Objectives

y Emphasize as Independent Bank- givesimportance to customer.

y Emphasize on Product Innovation andcommunicating about new productlaunches.

y Global Market & global Std., services.



MARKETING OF SERVICESMARKETING OF SERVICES

y Over 900 Branches & 3875 ATMs

y A footprint in Asia-Singapore,HongKong,Dubai and Shanghai.

y Strategic tie-ups & alliances UAE, Doha,

Muscat (to be launched).



HDFCHDFC

(HOUSING DEVELOPMENT FINANCIAL CORPORATION(HOUSING DEVELOPMENT FINANCIAL CORPORATION))



y It was incorporated in 1977 with theobjective of enhancing residential housingstock and promote home ownership.

y It providing specialized financial servicesto its customer base through partnershipswith some of the best financial institutionsworldwide.

y

It was incorporated in India on August1994 and has an nationwide network of 1412 branches & 3295 ATM¶s in 528 citiesin India



HDFC BANKHDFC BANK

y Among the first in new generation commercialbanks

y Registered office in Mumbai, India

y Bank was Promoted by HDFC, the parent company.

y Listed in NSE, BSE, NYSE(ADR).

y Representative offices in Hong Kong, New York,London & Singapore.



SUBSIDIARIES & ASSOCIATE COMPANIESSUBSIDIARIES & ASSOCIATE COMPANIES

y HDFC BANK

y HDFC MUTUAL FUND

y HDFC STANDARD LIFE INSURANCEy HDFC SALES

y HDFC GENERAL INSURANCE

y HDFC REALTY



BUSINESS PROFILEBUSINESS PROFILE

Major business key areas are:-

Wholesale banking services

Retail banking services

Treasury operations



SERVICES OF HDFC«.SERVICES OF HDFC«.

y SAVING ACCOUNT:-

Regular saving accountSweep-in account

Senior citizen account

y CURRENT ACCOUNTS

y FIXED DEPOSITS

y Loans

y De-mat a/c

y Free 24 hours ATM

y Phone banking

y Net banking

y Bill pay

y Debit cards etc



HDFC Strategies«HDFC Strategies«

Increase market share in India¶s expanding banking andfinancial services industry by following a disciplined growthstrategy focusing on quality and not on quantity and

delivering high quality customer service.

Leverage technology platform and open scale-able systemsto deliver more products to more customers and to controloperating costs.

Maintain current high standards for asset quality throughdisciplined credit risk management.



ContdContd«.«.y Develop innovative products and

services that attract the targetedcustomers and address in-efficiencies inthe Indian financial sector.

y Continue to develop products and servicesthat reduce bank¶s cost of funds.

y Focus on high earnings growth with lowvolatility.



STRENGTHSSTRENGTHS

y HDFC has a vast variety of services

y Fastest growing company in Asia inhousing financial corporations

y Vast client base of borrowers, depositors,shareholders and agents.

y Strong network with world¶s bestinstitutions for providing specialized

financial services



WEAKNESSESWEAKNESSES

y Less oriented for employees.

y Hidden charges.

y Low network in rural areas

y Lack of coordination between subsidiaries

Due to this, companies like HDFC ERGO & STANDARD LIFE is continuously going intoloss.



MARKET COMPETITORSMARKET COMPETITORS

Axis Bank



Awards & AccoladesAwards & Accoladesy HDFC scored a rating of 4 out of 5 at the

Karma-yog Corporate Social Responsibility

Ratings ± 2007y Best 'Investment Management Company¶

y HDFC ranked 3rd Asian Banking andFinance Sector.

y Ranked 3rd: 'Highest Return on Equity¶ y Ranked top 3 Best Managed Companies.



THANKS

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