INTRODUCTION

Incorporated on 30-Aug-1994
MD Aditya Puri
Listed on BSE, NSE, NYSE and LxSE.
Present
Branch 2201
ATMs 7110

Subsidiary
HDFC Securities Ltd
HDB Financial Services Ltd

HISTORY
Commenced operation as a Scheduled Commercial Bank in Jan. 1995
1996 Appointed as clearing member by NSCCL
1997 Retail investment advisory services
1998 1st Retail lending product, Loan against shares
1999 On-line real-time NetBanking
2000 1st merger between two private bank Times Bank Ltd. and HDFC
Bank Ltd.
2000 1st Bank to launch International Debit Card in Association with VISA.
2001 Started Credit Card Business. 1st Private sector Bank to authorized
by CBDT.
2001-02 Listed on NYSE. Made alliance with LIC for providing online
payment of insurance premium.
2003-04 Expanded distribution network from 171 to 312. HDFC Home
Loan business started from arrangement with HDFC Ltd.
2005-06 Launched No Frills Account. Branches increased to 535 in 228
cities.

HISTORY
2006-07 direct lending to SHGs. Opened one
dedicated branch for SHGs in Tamil Nadu.
June 2, 2007 Opened 19 branches in a day in Delhi
and NCR
2008-09 Centurion Bank of Punjab Ltd was
amalgamated Merger April 1, 2008
Oct 2008 - opened their first overseas commercial
branch in Bahrain
2009-10 Expanded to 1725 Branches in 779 cities
and ATMs to 4232
2010-11 Expanded from 1986 Branches in 996
cities and ATMs to 5471

SERVICE OFFERED

SIGNATURE DEPOSIT
RECURRING DEPOSIT

Recurring Deposit is a special kind of Term Deposit which help people

with regular incomes to deposit a fixed amount every month earn interest at
the rate applicable to Fixed Deposits.

SIGNATURE DEPOSIT
RECURRING DEPOSIT

FEATURES &
ELIGIBILITY

SIGNATURE LOAN
GOLD LOAN
Gold Loan is an instant, safe and secure loan against your gold ornaments.

SIGNATURE LOAN GOLD

LOAN

CREDIT APPRAISAL
PROCESS

CREDIT APPRAISAL
PROCESS
SALARIED
Application Form (includes the complete documentation
with photocopies)
ID Proof, Residence Proof, Age Proof (includes Ration
Card, Passport, Pan Card, DL, Voter ID)
Salary Slip
Bank Statement (Check on Withdrawn, Deposits, Balance)
Form 16 (It is form given by Employer which states the
income earned from that company during thefull financial
year ,and givesthe details of Tax deducted at source)
COPY OF INCOME TAX RETURN
Processing Fee

CREDIT APPRAISAL
PROCESS
SELF EMPLOYED PERSONAL
Application Form (includes the complete
documentation with photocopies)
Identity and residence proof
Educational Qualifications Certificate and Proof
ofBusiness Existence
Last 3 years Income Tax returns (self and
business)
Last 3years Profit andLoss and Balance Sheet
Last 6 months Bank Statements
ProcessingFeeCheque

CREDIT APPRAISAL
PROCESS
SELF EMPLOYED BUSINESSMAN
Application form with photo
Identity and residence proof
Educational Qualifications Certificate and Proof
ofBusiness Existence
Last 3 years Income Tax returns (self and
business)
Last 3years Profit andLoss and Balance Sheet
Last 6 months Bank Statements
ProcessingFeeCheque
BusinessProfile

NON-FUND BASED FEE

GENERATING SERVICES

Banking
Charges

Credit Card
Fees

Provision of Account
Overdraft Limit
reached
Transfer redirection
charges

Over limit
Card Upgradation
Services(Perto Card)
sold charges
Custom duty

RATIO ANALYSIS

Capital Adequacy
Ratio (%)
Tier I Capital (%)
Tier II Capital (%)
ROE(%)
Price Earning (P/E)
% of Net NonPerforming Assets to
Net Advance
Net Interest Income /
Total Funds (%)
Current Ratio

Mar 14

Mar 13

Mar 12

Mar 11

0
0
0
21.28
21.91

15.94
10.51
5.43
20.34
22.84

15.71
11.04
4.67
18.69
24.39

15.32
11.56
3.76
16.74
28.67

0.27

0.2

0.18

0.19

4.14

4.28

4.19

4.22

0.06

0.78

MAJOR INVESTMENT
Particulars
Government securities
Shares
Debentures and bonds
Subsidiary / Joint ventures
Others
Total

Investment(in
Crores)
94,640.02
135.73
3,635.02
1,541.39
20,998.91
120,951.07

MAJOR INVESTMENT
Particulars
Certificate of deposits
Commercial paper
Debt oriented mutual fund
units
Pass through certificates
Security receipts issued by
reconstruction companies
Deposits with NABARD
Deposits with SIDBI and
National Housing Bank under
the priority /
weaker sector lending
schemes
Total other investments

Investment(In Crore)
91.30
4,177.62
3.02
1,535.45
72.33
12,180.41
2,938.78

20,998.91

BALANCE SHEET AND P&L

ANALYSIS
Net revenues up to 75.6 Billion by 19.6%
Net Interest Margin at 4.5%(Quarter ended Sep.
2014)
Cost-to-income ratio at 46.3%
Net profit up by 20.1% to 23.8 Billion
Gross advances increased by 21.8% to 3,295 Billion
Deposits up by 24.8% to 3,907 Billion
Net NPA / net advances at 0.27%
Capital adequacy ratio (CAR) - Total 15.94% of
which Tier I at 10.51%

THANK
YOU