1. A Study on
Binay Kumar

2. : Introduction
 Housing Development Finance Corporation
 Founded in 1977 by Hasmukh bhai Parekh
 HDFC Bank was incorporated in August 1994
 The Bank started operations as a scheduled




commercial bank in January 1995 under the RBI's
liberalization policies
It is the first in new generation commercial banks
Registered office in Mumbai, India
Promoted by HDFC, the parent company
Listed in NSE, BSE, NYSE etc.

3. : Network
 It has 3062 branches in India
 It has 10743 ATMs in the country
 It is spread 1568 cities in India
 All branches are OLRT connected
 Representative offices in Hong Kong, New York,
London & Singapore
 ‡High level of services
 ‡Knowledge of Indian Markets
 Brand name

4. Casa Ratio Trends:
60%
50%
40%
30%
20%
10%
0%
HDFC
ICICI
SBI
BOB
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
52%
23%
42%
31%
44%
28%
38%
29%
52%
39%
43%
30%
49%
42%
45%
29%
44%
42%
40%
26%

5. Cost Of Funds Analysis:
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
HDFC
ICICI
SBI
BOB
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
4.64%
9.30%
6.18%
5.19%
6.24%
10.12%
6.19%
5.17%
4.66%
8.58%
5.97%
4.48%
4.23%
7.47%
5.42%
4.28%
5.58%
8.87%
6.31%
5.02%

6. Yield On Assets:
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
HDFC
ICICI
SBI
BOB
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
7.60%
7.02%
6.96%
6.63%
8.90%
7.51%
7.03%
6.69%
7.30%
6.16%
6.69%
6.06%
7.21%
5.64%
6.90%
6.15%
9.95%
6.29%
8.04%
6.67%

7. Retail Loans as a % of Total
Loans:
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
HDFC
ICICI
SBI
BOB
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
66.99%
44.25%
31.35%
30.80%
58.64%
36.02%
68.15%
34.73%
54.51%
32.66%
54.47%
26.04%
55.05%
60.29%
53.17%
23.91%
45.06%
60.46%
54.80%
22.56%

8. NIM Analysis:
5.00%
4.50%
4.00%
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
HDFC
ICICI
SBI
BOB
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
4.40%
2.22%
3.07%
2.90%
4.20%
2.40%
2.93%
2.91%
4.30%
2.50%
2.93%
2.74%
4.30%
2.60%
3.32%
3.12%
4.20%
2.73%
3.85%
2.97%

9. NPL Analysis:
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
HDFC
ICICI
SBI
BOB
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
0.47%
1.55%
1.78%
0.31%
0.63%
2.09%
1.79%
0.31%
0.31%
2.12%
1.72%
0.34%
0.19%
1.11%
1.63%
0.35%
0.18%
0.73%
1.82%
0.54%

10. Net Profit As % Of Total
Assets:
2.00%
1.80%
1.60%
1.40%
1.20%
1.00%
0.80%
0.60%
0.40%
0.20%
0.00%
HDFC
ICICI
SBI
BOB
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
1.19%
0.86%
0.90%
0.84%
1.23%
0.78%
0.86%
0.96%
1.36%
0.82%
0.83%
1.08%
1.45%
1.18%
0.68%
1.21%
1.86%
1.31%
0.61%
1.15%

11. Any Questions?

12. Thank You All…