1. Submitted By: Aaina Aman Bhaskar Ram Submitted to: Prof. Pawan Gupta

2. INDUSTRY OVERVIEW 1. In recent time, we have witnessed that the World Economy is passing through some intricate circumstances as bankruptcy of banking & financial institutions, debt crisis in major economies of the world and euro zone crisis. 2. However, amidst all this turmoil India’s Banking Industry has been amongst the few to maintain the resilience. 3. It is evident from the higher pace of credit expansion, expanding profitability and productivity similar to banks in developed markets, lower incidence of non- performing assets and focus on financial inclusion have contributed to making Indian banking vibrant and strong.

3. MAJOR PLAYERS IN INDIA 1.HDFC BANK LTD 2.ICICI BANK LTD 3.STATE BANK OF INDIA LTD 4.PUNJAB NATOINAL BANK LTD 5.BANK OF BARODA LTD 6.FEDERAL BANK LTD 7.AXIS BANK LTD 8.ING VYSYA BANK LTD 9.IDBI BANK LTD 10.INDUSIND BANK LTD 11.YES BANK LTD

4. COMPANY OVERVIEW Industry: Finance - Banks - Private Sector. Business Group: HDFC Group Incorporation Date: 31/12/1994 Public Issue Date: 31/12/1995 Face Value: 10 Vision: The HDFC Bank is committed to maintain the highest level of ethical standards, professional integrity and regulatory compliance. Mission: Our 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.

5. Company Overview cont.. The total number of employees with Bank was 66,076 as of March 31, 2012. The Bank continued to focus on training its employees both – on the job as well as through training programs conducted by internal and external faculty. It currently has an nationwide network of 2,544 Branches and 10,079 ATM's in 1,399 Indian towns and cities.

6. Capital Structure Authorized Share Capital: Rs. 550 Crore. Paid-up Share Capital: Rs. 469,33,76,540 (234,66,88,270 equity shares of Rs. 2/- each). The HDFC Group holds 23.15% of the Bank's equity and about 17.29 % of the equity is held by the ADS / GDR Depositories. 30.68 % of the equity is held by Foreign Institutional Investors (FIIs) and the Bank has 4,47,924 shareholders.

7. Achievements The Asian Banker International Excellence in Retail Financial Services Awards Best Retail Bank in India Best Bancassurance business in India Best Risk Management in India Businessworld Best Bank Awards Best Bank CNBC TV18 Best Bank and Financial Institution Awards Best Bank Aditya Puri - Outstanding Finance Professional CNBC TV18 Financial Advisor Awards Best Performing Bank (Private) DSCI (Data Security Council of India) Excellence Awards Security in Bank Dun & Bradstreet Banking Awards Best Private Sector Bank - SME Financing Euro-money Awards for Excellence Best Bank in India Finance Asia Country Awards Best Bank in India Best Cash Management Bank in India Best Trade Finance Bank in India Financial Express Best Bank Survey Best in Strength and Soundness Institute of Chartered Accountants of India Awards Excellence in Financial Reporting

8. Financial Highlights  Net profit: Rs.5,167 crore. An increase of 31.6% compared to the previous year  Balance sheet size: Rs.337,909 crore as at 31st March 2012  Total deposits: Rs.246,706 crore. An increase of 18.3% compared to the previous year  Total advances: Rs.195,420 crore. An increase of 22.2% compared to the previous year  Capital Adequacy Ratio: 16.5%. Regulatory minimum requirement is 9%  Tier I capital ratio: 11.6%  Non Performing Assets: Rs.1,999 crore (gross); 1.0% of Gross Advances

9. Financial Analysis 20122011 LEVERAGE RATIO Current Ratio0.080.06 PROFITABILITY RATIO Net Profit Margin Return on Long Term Funds Return on Net Worth 16.09 76.06% 18.37% 15.93 59.91% 16.52% INVESTMENT VALUATION RATIOS Face Value Net Operating Profit/ Share Net Free Reserves/ Share Earning Per Share 2.00 111.06 41.71 22.11 10.00 84.32 30.6 17

10. Financial Analysis Cont…. 20122011 BALANCE SHEET RATIOS Capital Adequacy Ratio Advances/Loan Funds 16.52 79.19% 16.22 79.34% DEBT COVERAGE RATIOS Total Debt to Owners Funds Financial Charges Coverage Ratio 8.24 0.58 8.22 0.79