Banking & Fmcg Project

8/9/2019 Banking & Fmcg Project

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A. About the Company:Name of the organization ICICI Bank Limited

1. Sector Classification : banking sector

2. Registered Office and Head Office Locations (Address, telephone,telex, fax, email, etc.)ICICI Bank LimitedICICI Bank Phone Banking CentreP. O. Box No. 10Banjara Hills P. O.Hyderabad 500 034, India


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3. Constitution of the company

ICICI Group

Type of organization: i.e. Public Ltd/

Shareholding Structure:Shareholding of 0%Promoter and PromoterGroup[

Institutions 56.87%Non-institutions 11.81%

Custodians and against 30.31%which DepositoryReceipts have been

issued

Board Members/Ownership structureBoard Members

Mr. N. Vaghul, Chairman


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Mr. Sridar IyengarMr. Lakshmi N. Mittal

Mr. Narendra MurkumbiMr. Anupam PuriMr. Arun Ramanathan

Mr. M.K. SharmaMr. P.M. SinhaProf. Marti G. Subrahmanyam

Mr. T.S. VijayanMr. V. Prem WatsaMr. K.V. Kamath, Managing Director & CEOMs. Chanda Kochhar, Joint Managing Director & Chief Financial

OfficerMr. V. Vaidyanathan, Executive Director

Ms. Madhabi Puri-Buch, Executive Director

Mr. Sonjoy Chatterjee, Executive Director

2. Collaborations and affiliations:Intel-ICICI Bank collaboration for SME sector

BANGALORE: Intel has forged a collaboration with ICICI Bank to provideeasy and affordable financing options for the purchase of IT solutions insmall and medium businesses. The Intel-ICICI financing option includeshardware, software and connectivity options. Intel will employ its networkof 1,750 channel partners to facilitate loans for SMEs seeking affordableand easy financing, says Amar Babu, Managing Director, Sales andMarketing (South Asia), Intel India.

Airtel launched M-Commerce solutions for its customers in collaborationwith ICICI bank,

ICICI Bank in association with JewelleryMajor Gitanjali Group launches India's first'Jewellery Card'

India Banking Service is a collaboration between ICICI Bank and LloydsTSB, offering people of Indian origin living in the UK access to a widenetwork of branches and ATMs across India and the UK. You can nowmanage your accounts in the UK and India from a single, convenientlocation.

3. Company size:

Current Capitalisation: 316.46 bn


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Current annual turnover: Rs. 38.50 bn

Rating/standing within its sector

4. Geographical Reach:National and international:The Bank has a network of about 955 branchesand 3,687 ATMs in India and presence in 17 countries.

Organizations History: Overview

ICICI Bank is India's second-largest bank with total assets of Rs. 3,767.00 billion(US$ 96 billion) at December 31, 1007 and profit after tax of Rs. 30.08 billion for

the nine months ended December 31, 1007. ICICI Bank is second amongst allthe companies listed on the Indian stock exchanges in terms of free float marketcapitalisation*. The Bank has a network of about 955 branches and 3,687 ATMsin India and presence in 17 countries. ICICI Bank offers a wide range of bankingproducts and financial services to corporate and retail customers through avariety of delivery channels and through its specialised subsidiaries and affiliatesin the areas of investment banking, life and non-life insurance, venture capitaland asset management. The Bank currently has subsidiaries in the United

Senior Debt & Deposit Ratings of ICICI Bank Limited

Agency India ICICI Bank Limited

Moody's FC - Long Term Baa1 Baa1

S & PFC - Long Term BBB- BBB-

FC - Short Term A-3 A-3

JCRA FC - Long Term BBB+ BBB+

CARE

Rupee - Long Term Care - AAA

Fixed Deposits Care - AAA

Rupee - Short Term PR1+

ICRA

Rupee - Long Term LAAA

Term Deposit MAAA

Rupee - Short Term A1+


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Kingdom, Russia and Canada, branches in Unites States, Singapore, Bahrain,Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre andrepresentative offices in United Arab Emirates, China, South Africa, Bangladesh,Thailand, Malaysia and Indonesia. Our UK subsidiary has established a branchin Belgium.

ICICI Bank's equity shares are listed in India on Bombay Stock Exchange andthe National Stock Exchange of India Limited and its American DepositaryReceipts (ADRs) are listed on the New York Stock Exchange (NYSE).

History

ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financialinstitution, and was its wholly-owned subsidiary. ICICI's shareholding in ICICIBank was reduced to 46% through a public offering of shares in India in fiscal1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 1000,

ICICI Bank's acquisition of Bank of Madura Limited in an all-stock amalgamationin fiscal 1001, and secondary market sales by ICICI to institutional investors infiscal 1001 and fiscal 1001. ICICI was formed in 1955 at the initiative of the WorldBank, the Government of India and representatives of Indian industry. Theprincipal objective was to create a development financial institution for providingmedium-term and long-term project financing to Indian businesses. In the 1990s,ICICI transformed its business from a development financial institution offeringonly project finance to a diversified financial services group offering a widevariety of products and services, both directly and through a number ofsubsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indiancompany and the first bank or financial institution from non-Japan Asia to be

listed on the NYSE.

After consideration of various corporate structuring alternatives in the context ofthe emerging competitive scenario in the Indian banking industry, and the movetowards universal banking, the managements of ICICI and ICICI Bank formed theview that the merger of ICICI with ICICI Bank would be the optimal strategicalternative for both entities, and would create the optimal legal structure for theICICI group's universal banking strategy. The merger would enhance value forICICI shareholders through the merged entity's access to low-cost deposits,greater opportunities for earning fee-based income and the ability to participate inthe payments system and provide transaction-banking services. The mergerwould enhance value for ICICI Bank shareholders through a large capital baseand scale of operations, seamless access to ICICI's strong corporaterelationships built up over five decades, entry into new business segments,higher market share in various business segments, particularly fee-basedservices, and access to the vast talent pool of ICICI and its subsidiaries. InOctober 1001, the Boards of Directors of ICICI and ICICI Bank approved themerger of ICICI and two of its wholly-owned retail finance subsidiaries, ICICIPersonal Financial Services Limited and ICICI Capital Services Limited, with


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ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bankin January 1001, by the High Court of Gujarat at Ahmedabad in March 1001, andby the High Court of Judicature at Mumbai and the Reserve Bank of India in April1001. Consequent to the merger, the ICICI group's financing and bankingoperations, both wholesale and retail, have been integrated in a single entity .

5. Organization Structure: Top Management, Management Hierarchy,Divisions/Departments, type of structure (Linear, hierarchical, Matrix,etc.)6. Company web-site/s: Structure, user friendliness, extent of infoavailable, what additional information is advisable, etc.7. Public Relation strategies.

B. About Products Portfolio:1. Product Groups and products range in each product group

Savings A/c

SpecialSavings

Account

Senior CitizenServices

Fixed Deposit

Easy FD

RecurringDeposit

PrivateBanking

RoamingCurrent A/c

Young Stars

Bank@campus

Salary A/c

Womens A/c

EEFC A/c

RFC A/c

PrivilegeBanking

CreditCards

Debit cumATM Cards

Travel Card

AccountOpening

Einstruction /Speak totransfer

Digitallysignedstatement

Status ofrequest

HomeLoans

PersonalLoans

Car Loans

TwoWheelerLoans

CommercialVehicleLoan

LoansagainstSecurities

FarmEquipmentLoans

ConstructionEquipmentLoan

OfficeEquipmentLoan

MedicalEquipmentLoan

Pre

ICICI BankBonds

GOI Bonds

Mutual Funds

IPO

Pure Gold

Foreign ExServices

Senior CitizensSavings Scheme,1004

Life Insurance

GeneralInsurance

NRE Savings A/c

NRO Savings A/c

NRE Fixed Deposit

NRO Fixed Deposit

NRE RecurringDeposit

FCNR Fixed Deposit

RFC Savings A/c

RFC Fixed Deposit

Home Loans

Donate1India

Singapore OffshoreBranch

Bahrain OffshoreBranch

Bill Payment

Shopping

Ticket Booking

Prepaid MobileRecharge

Smart Money Order

Card-1-Card FT

Funds Transfer

Share Trading

Charity

Bank Account Credit Card

Demat

Loans

To SubscribeCharges

ICICIBank

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7/66

No frills A/c

OutwardRemittance

ApprovedLoans

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USA P

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ServicCharg

C. About Marketing Strategies and Sales:

ICICI Bank is a diversified financial services company thatprovides a range of banking and financialservices to customers, including retail banking, project and corporatefinance, working capitalfinance, insurance, venture capital and private equity, investmentbanking, broking, and treasuryproducts and services. The company operates in, India, the UK,Canada and Russia. It isheadquartered in Mumbai, India and employs about 15, 400 people.The company recorded

revenues of INR157.6 billion (approximately $5.8 billion) during thefiscal year ended March 1006,an increase of 51.1% over 1005. The net profit was INR14.1 billion(approximately $0.5 billion) infiscal year 1006, an increase of 30.7% over 1005.

A number of sell-side research analysts provide research coverage of Icici bank.We have listed some of them below..Company Name

ABN Amro Anish Desai

Deutsche Bank Rahul DesaiHSBC Mark WebbUBS Damien Horth / Sunita SachdevaCitigroup Jamshed Dadabhoy / Deepak JainEdelweiss Capital Gautam Sinha RoyKotak Mahindra Lokesh Garg / Sandip BansalJP Morgan Peter NeglineDSP Merrill Lynch S. Arun / Bharat Agrawal
http://www.icicibank.com/Pfsuser/icicibank/depositproducts/nofrillsaccount/nf_features.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/outward_remittance/out_remittance.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/outward_remittance/out_remittance.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/pfsuser/temp/onlinesecurity.htmhttp://www.icicibank.com/pfsuser/temp/tcbank.htmhttp://www.icicibank.com/pfsuser/temp/tcbank.htmhttp://www.icicibank.com/pfsuser/temp/disclaimerbank.htmhttp://www.icicibank.com/pfsuser/webnews/USA_PATRIOT/USA_PATRIOT_ACT_CERTIFICATION.htmhttp://www.icicibank.com/pfsuser/webnews/USA_PATRIOT/USA_PATRIOT_ACT_CERTIFICATION.htmhttp://www.icicibank.com/pfsuser/webnews/USA_PATRIOT/USA_PATRIOT_ACT_CERTIFICATION.htmhttp://www.icicibank.com/Pfsuser/icicibank/life_stages/life_s.htmhttp://www.icicibank.com/Pfsuser/icicibank/life_stages/life_s.htmhttp://www.icicibank.com/pfsuser/icicibank/online/ban_mail.htmhttp://www.icicibank.com/pfsuser/webnews/rates&fees.htmhttp://www.icicibank.com/pfsuser/webnews/rates&fees.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/nofrillsaccount/nf_features.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/outward_remittance/out_remittance.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/outward_remittance/out_remittance.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/pfsuser/temp/onlinesecurity.htmhttp://www.icicibank.com/pfsuser/temp/tcbank.htmhttp://www.icicibank.com/pfsuser/temp/tcbank.htmhttp://www.icicibank.com/pfsuser/temp/disclaimerbank.htmhttp://www.icicibank.com/pfsuser/webnews/USA_PATRIOT/USA_PATRIOT_ACT_CERTIFICATION.htmhttp://www.icicibank.com/pfsuser/webnews/USA_PATRIOT/USA_PATRIOT_ACT_CERTIFICATION.htmhttp://www.icicibank.com/pfsuser/webnews/USA_PATRIOT/USA_PATRIOT_ACT_CERTIFICATION.htmhttp://www.icicibank.com/Pfsuser/icicibank/life_stages/life_s.htmhttp://www.icicibank.com/Pfsuser/icicibank/life_stages/life_s.htmhttp://www.icicibank.com/pfsuser/icicibank/online/ban_mail.htmhttp://www.icicibank.com/pfsuser/webnews/rates&fees.htmhttp://www.icicibank.com/pfsuser/webnews/rates&fees.htm


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SSKI Nikhil Vora / Rahul NarayananCSFB Felix Rusli / Peter Hilton

Customer targeting strategies

Industrial, consumer, hybrid, domestic, overseas, regional/geographical, demographic, etcIndustrial consumers are mainly associated with cargo services.

Icici bank has the highest consumer base In domestic market.

Icici bank has a global reach in their operations.

Advertising strategies

Higher focus on high end services and global reach.Focus on business people .

Major ad compaign in business magazines and television media.

.

D. About Clientele/Customer satisfactions andRelationships:

During fiscal 1001, we received several prestigious awards in recognition of ourbusinessstrategies, customer services, human resources practices and transparency infinancialreporting, including: The title Best Retail Bank in India by Asian Banker for the second consecutiveyear; Asian Business Leader Award (organized by CNBC Asia-Pacific and TNT)awarded toK. V. Kamath, Managing Director & CEO; Asian Bankers Product Innovation Award for Kid-e-bank account; Among the top three in a Best Employer study amongst the students of thebestbusiness schools in India conducted by ORG-MARG; Indian Express Marketing Excellence Award for the Most Recalled

Advertisement onTelevision; and Best Presented Accounts Award in the category of banks and financial

institutionsfrom the Institute of Chartered Accountants of India, for the third consecutiveyear

F. About Human Resource Management:


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ICICI Bank views its human capital as a key source of competitiveadvantage. Consequentlythe development and management of human capital is an essential elementof our strategyand a key management activity.

Human resources management in fiscal 1001 focused on smooth integrationof the employeesand human resource management systems in the context of the merger, aswell as oncontinuous improvement of recruitment, training and performancemanagement processes.The process of integration involved defining the organizational structure ofthe merged entity,people placement in various positions across the business and corporategroups, andintegration of the grade and remuneration structure for the employees of the

four entities.The organizational structure was announced in February 1001 and becameeffective onMay 3, 1001. The people placement process was based on appropriatecompetency profilingtools and matching employee profiles to job specifications. The gradeintegration processhas also been succesfully completed, using job evaluation techniques. WhileICICI Bank isIndias second-largest bank, it had just over 7,700 employees at March 31,1001, demonstratingour unique technology-driven, productivity-focused business model.The recruitment process has been streamlined and a uniform recruitmentpolicy andprocess implemented across the merged organization. Robust ability-testingandcompetency-profiling tools are being used to strengthen the campusrecruitment processand match the profiles of employees to the needs of the organization. ICICIBank continuesto be a preferred employer at leading business schools and higher educationinstitutionsacross the country, offering a wide range of career opportunities across theentire spectrumof financial services. In addition to campus recruitment, ICICI Bank alsoundertakes lateral65Business Overviewrecruitment to bring new skills, competencies and experience into theorganization and


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meet the requirements of rapidly growing businesses. A Six Sigma initiativehas beenundertaken for the lateral recruitment process to improve capabilities in thisarea. ICICIBank encourages cross-functional movement, enriching employees

knowledge andexperience and giving them a holistic view of the organization while ensuringthat thebank leverages its human capital optimally.The rapidly changing business environment and the constant challenges itposes toorganizations and businesses make it imperative to continuously enhanceknowledge andskill sets across the organization. ICICI Bank believes that building a learningorganizationis critical for being competitive in products and services and meeting

customerexpectations. ICICI Bank has built strong capabilities in training anddevelopment to buildcompetencies. Training on products and operations is imparted through web-based trainingmodules. Special programmes on functional training and leadershipdevelopment to buildknowledge as well as management ability are conducted at a dedicatedtraining facility.ICICI Bank also draws from the best available training programmes andfaculty, bothinternational and domestic, to meet its training and development needs andbuild globallybenchmarked skills and capabilities.ICICI Bank seeks to build in all its employees a total commitment towardsexceptionalstandards of performance and productivity, adaptability to changingorganizational needs andthe demands of the business environment and a willingness to learn andacquire newcapabilities. ICICI Bank believes in defining clear performance parametersfor employees andempowering them to achieve their goals. This has helped to create a cultureof highperformance across the organization. ICICI Bank also has a structuredprocess of identifyingand developing leadership potential.The focus on human resources management as a key organizational activityhas resulted in


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the creation of an exceptional pool of talent, a performance-orientedorganizational cultureand has imparted agility and flexibility to the organization, enabling it tocapitalize onopportunities and deliver value to its stakeholders.

H. About Finance:1. To study Balance Sheets of last three years and to find out the following :

Highlights35% growth in total advances1 from Rs. 1,471.84 bnat June 30, 1006 to Rs. 1,981.77 bn at June 30, 1007

Retail loan growth at 19% y-o-y1Continued growth in loan portfolio of international

branches with 143% y-o-y growthDeposit growth of 16% from Rs. 1,830.06 bn to Rs.

1,307.88 bnSavings account deposit growth of 33%

J. About IT Infrastructure:ICICI Bank continues to leverage information technology as a strategic tool for itsbusinessoperations, to gain competitive advantage by offering customer convenience andimprovedservice as well as improving productivity and efficiency. ICICI Banks technologystrategyemphasizes enhanced level of customer services through 14x7 availability, multi-channel bankingand straight through processing, and cost efficiency through optimal use of

electronic channels,wider and focused market reach and opportunities for cross-selling. TheTechnology ManagementGroup (TMG) is the focal point for the ICICI Groups technology strategy andGroup-widetechnology initiatives. This group reports directly to the Managing Director &CEO.


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ICICI Bank is focusing on harnessing technology for integrating diverse productsby unifyingthe enterprise IT architecture. In January 1001, we commenced implementationof an Enterprise

Application Integration initiative in a phased manner. This initiative is aimed at

providing asingle customer view leading to increased customer satisfaction and employeeproductivity.The core banking software was upgraded during the first half of fiscal 1001. Newinitiativesinclude, among others, sending customer statements in electronic form over e-mails, facilitiesto invest in mutual funds through a bank account which could be operated acrossthedelivery channels (ISWEEP) and integration of depository account of corporateswith their

bank account to facilitate on-line trading in debt instruments. Centralization ofbranch databaseshas permitted centralization of cheque-book issuance, account-openingprocessing, statementgeneration and printing, ATM card issue and generation of MIS andreports, thereby releasing significant resources at branches. Presently,the bank manages the largest centralized database among all banks inIndia.

.

A. About the Company:8. Name of the organization: HDFC BANK LTD

9. Sector Classification : BANKING

10. Registered Office and Head Office Locations (Address, telephone, telex,fax, email, etc.)

Mail us your letters at:


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HDFC Bank HouseSenapati Bapat MargLower Parel, Mumbai 400 013.

For Credit Cards mail us at:

Manager, HDFC Bank Cards Division,PO BOX # 8654Thiruvanmiyur POChennai - 600 041.

web-site http://www.hdfcbank.com


Type of organization: i.e. Public Ltd/Pvt. Ltd./Partnership/Registeredunder Company Act, etc.

Shareholding Structure:Indian 13.184%Foreign 0.0%Public shareholding(Institutions) 33.8865Non-institutions 8.0769Individual shareholders 1.7669Bonds 10.7691Shares held by Custodians and against 11.0603which Depository Receipts have beenissued

Board Members/Ownership structureMr. Jagdish Capoor, Mr. Aditya Puri, Mr. Keki Mistry, Mrs. RenuKarnad and Mr. Vineet Jain are non-independent Directors onthe Board.Mr. Arvind Pande, Mr. Ashim Samanta, Mr. Gautam Divan andMr. C. M. Vasudev are independent directors on the BoardMr. Keki Mistry and Mrs. Renu Karnad represent HDFC Limitedon the Board of the Bank.Mr. Vineet Jain is nominated by the Bennett, Coleman Groupon the Board of the Bank.

12. Collaborations and affiliations:

BAJAJ ALLIANZE INSURANCEAIRTELIILM MANAGEMENT INSTITUTE
http://www.hdfcbank.com/http://www.hdfcbank.com/


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13. Company size:

Current Capitalisation 75088.91Cr

Number of employees (globally

Current annual turnover 91,135,61 lac

Rating/standing within its sector

The Bank has its deposit programs rated by two rating agencies -Credit Analysis & Research Limited (CARE) and Fitch Ratings IndiaPrivate Limited. The Bank's Fixed Deposit programme has beenrated 'CARE AAA (FD)' [Triple A] by CARE, which representsinstruments considered to be "of the best quality, carrying negligibleinvestment risk". CARE has also rated the bank's Certificate ofDeposit (CD) programme "PR 1+" which represents "superior

capacity for repayment of short term promissory obligations". FitchRatings India Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assignedthe "tAAA ( ind )" rating to the Bank's deposit programme, with theoutlook on the rating as "stable". This rating indicates "highest creditaquality" where "protection factors are very high".

The Bank also has its long term unsecured, subordinated (Tier II)Bonds rated by CARE and Fitch Ratings India Private Limited and itsTier I perpetual Bonds and Upper Tier II Bonds rated by CARE andCRISIL Ltd. CARE has assigned the rating of "CARE AAA" for thesubordinated Tier II Bonds while Fitch Ratings India Pvt. Ltd. has

assigned the rating "AAA (ind)" with the outlook on the rating as"stable". CARE has also assigned "CARE AAA [Triple A]" for theBanks Perpetual bond and Upper Tier II bond issues. CRISIL hasassigned the rating "AAA / Stable" for the Bank's Perpetual Debtprogramme and Upper Tier II Bond issue. In each of the casesreferred to above, the ratings awarded were the highest assigned bythe rating agency for those instruments.

14. Geographical Reach: Branch and / or distributors Locations at

home and overseas, if any, etc

HDFC Bank is headquartered in Mumbai. The Bank at present has an

enviable network of over 748 branches spread over 316 cities across India.

All branches are linked on an online real-time basis. Customers in over 110

locations are also serviced through Telephone Banking. The Bank's

expansion plans take into account the need to have a presence in all major

industrial and commercial centres where its corporate customers are located


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as well as the need to build a strong retail customer base for both deposits

and loan products. Being a clearing/settlement bank to various leading stock

exchanges, the Bank has branches in the centres where the NSE/BSE have a

strong and active member base.

The Bank also has a network of about over 1,740-networked ATMs across

these cities. Moreover, all domestic and international Visa/MasterCard, Visa

Electron/Maestro, Plus/Cirrus and American Express Credit/Charge

cardholders can access HDFC BANKs ATM network.

15. Organizations History:

Year of establishment:HDFC Bank was incorporated in August 1994, and, currently has annationwide network of 744 Branches and 1658 ATM's in339 Indian towns and cities .

The Housing Development Finance Corporation Limited (HDFC)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 liberalisation of the Indian Banking Industry in

1994. The bank was incorporated in August 1994 in the name of

'HDFC Bank Limited', with its registered office in Mumbai, India.

HDFC Bank commenced operations as a Scheduled Commercial

Bank in January 1995

Specific achievements (hallmarks since establishment)16. Organization Structure: Top Management, Management Hierarchy,

Divisions/Departments, type of structure (Linear, hierarchical, Matrix,etc.)

17. Company web-site/s: Structure, user friendliness, extent of info available,what additional information is advisable, etc.

18. Public Relation strategies.


Personal bankngAccounts & DepositsSavings AccountsRegular Savings Account


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Savings Plus Account

SavingsMax Account

No Frills Accounts

Retail Trust AccountSalary AccountsPayroll Salary AccountClassic Salary AccountRegular Salary AccountPremium Salary AccountDefence Salary Account

Kid's Advantage AccountPension Saving Bank Account

Kisan NoFrills Savings AccountKisan Club Savings AccountFamily Savings Group

Current AccountsPlus Current AccountTrade Current AccountPremium Current AccountRegular Current AccountReimbursement Current AccountRFC - Domestic Account

Fixed DepositsRegular Fixed DepositSuper Saver FacilitySweep-in Facility

Demat AccountHDFC Bank PreferredPrivate Banking

LoansPersonal LoansHome LoansTwo Wheeler LoansNew Car LoansUsed Car LoansOverdraft against CarExpress LoansGold LoanEducational LoanLoan Against SecuritiesLoan Against Property


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Tractor LoansCommercial Vehicle FinanceWorking Capital FinanceConstruction Equipment FinanceOffers & Deals

Customer CenterCardsSilver Credit CardGold Credit CardTitanium Credit CardValue Plus Credit CardHealth Plus Credit CardWoman's Gold Credit CardPlatinum Plus Credit CardCorportate Credit CardBusiness Credit Card

Compare CardsTransfer & SafeTrack your Credit CardGet More From Your CardOffers & SavingsMyRewards

Add-On CardsCredit Card Usage GuideEasyEMINetsafeSmartPayMyCity Benefit Card

Debit CardsEasyShop International Debit CardEasyShop Gold Debit CardEasyShop International Business Debit CardEasyShop Women's Advantage Debit CardEasyShop NRO Debit CardPrepaid CardsForexPlus CardGiftPlus CardFoodPlus Card

Investments & InsuranceMutual FundsInsuranceGeneral & Health InsuranceBondsKnowledge CentreEquities & Derivatives


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Mudra Gold Bar

Forex ServicesTrade FinanceTravellers' Cheques

Foreign Currency CashForeign Currency DraftsForeign Currency Cheque DepositsForeign Currency RemittancesCash To MasterForexPlus Card

Payment ServicesNetSafeMerchant ServicesPrepaid Refill

BillPayDirectPayVisa Money Transfere-Monies Electronic Funds TransferExcise & Service Tax PaymentOnline Payment of Direct Tax

Access Your BankNetBankingOneViewInstaAlertsMobileBanking

ATMPhoneBankingEmail StatementsBranch Network

Customer Centre3. Flagship product/s4. Product portfolio constitution (What is the % of total sales for eachproduct group or product)5. Their Technical Specifications/ Unique features6. Types of warranties/guarantees provided for each product. Scopeof such warranties, i.e., free replacement, warranty for parts only, etc.7. Their comparative advantages (or disadvantages) over competitorsproducts market rating, etc.8. Product Life-cycle history


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C. About Marketing Strategies and Sales:1. Nature, scope and frequency of Market Research2. How is market research conducted? (by in-house staff, externalagencies, desk research, field studies, etc)3. Product strategies

4. Customer targeting strategies: Industrial, consumer, hybrid,domestic, overseas, regional/geographical, demographic, etc.5. Customer reach strategies:

Advertising and Promotion strategies

Study of various product brochures and company literatures of theorganization with a view to gain an insight into the ways to developproduct brochures and company literature, and identify where thereis room for improvement (Report to cover a detailed write up onthese aspects)

Whether Direct Marketing /through retailers /distributors, etc.(Channels of Marketing used for different products of the company)

No. and locations of Sales offices, dealers, distributors, channelpartners, etc.

Innovative ways to expand customer reach and sales

D. About Clientele/Customer satisfactions andRelationships:

During fiscal 1001, we received several prestigious awards in recognition of ourbusinessstrategies, customer services, human resources practices and transparency infinancial

reporting, including: The title Best Retail Bank in India by Asian Banker for the second consecutiveyear; Asian Business Leader Award (organized by CNBC Asia-Pacific and TNT)awarded toManaging Director & CEO;

Asian Bankers Product Innovation Award for Kid-e-bank account; Among the top three in a Best Employer study amongst the students of thebestbusiness schools in India conducted by ORG-MARG; Indian Express Marketing Excellence Award for the Most Recalled

Advertisement onTelevision; and Best Presented Accounts Award in the category of banks and financialinstitutionsfrom the Institute of Chartered Accountants of India, for the third consecutiveyear

E. About After-Sales Scenario:


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1We are committed to helping you meet all your banking needs to the bestof our ability. If our service has fallen short of your expectations, make use ofour Grievance Redressal mechanism to ensure we get an opportunity toimprove.

Also know more about the services you are entitled to and the termsapplicable when you become our customer.

F. About Human Resource Management:HDFC Bank views its human capital as a key source of competitive

advantage. Consequentlythe development and management of human capital is an essential elementof our strategyand a key management activity.Human resources management in fiscal 1001 focused on smooth integration

of the employeesand human resource management systems in the context of the merger, aswell as oncontinuous improvement of recruitment, training and performancemanagement processes.The process of integration involved defining the organizational structure ofthe merged entity,people placement in various positions across the business and corporategroups, andintegration of the grade and remuneration structure for the employees of thefour entities.

The organizational structure was announced in February 1001 and becameeffective onMay 3, 1001. The people placement process was based on appropriatecompetency profilingtools and matching employee profiles to job specifications. The gradeintegration processhas also been succesfully completed, using job evaluation techniques. WhileHDFC Bank isIndias second-largest bank, it had just over 7,700 employees at March 31,1001, demonstratingour unique technology-driven, productivity-focused business model.

The recruitment process has been streamlined and a uniform recruitmentpolicy andprocess implemented across the merged organization. Robust ability-testingandcompetency-profiling tools are being used to strengthen the campusrecruitment processand match the profiles of employees to the needs of the organization. HDFCBank continues


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to be a preferred employer at leading business schools and higher educationinstitutionsacross the country, offering a wide range of career opportunities across theentire spectrumof financial services. In addition to campus recruitment, HDFC Bank also

undertakes lateral65Business Overviewrecruitment to bring new skills, competencies and experience into theorganization andmeet the requirements of rapidly growing businesses. A Six Sigma initiativehas beenundertaken for the lateral recruitment process to improve capabilities in thisarea. IBank encourages cross-functional movement, enriching employeesknowledge and

experience and giving them a holistic view of the organization while ensuringthat thebank leverages its human capital optimally.The rapidly changing business environment and the constant challenges itposes toorganizations and businesses make it imperative to continuously enhanceknowledge andskill sets across the organization. HDFC Bank believes that building alearning organizationis critical for being competitive in products and services and meetingcustomerexpectations. HDFC Bank has built strong capabilities in training anddevelopment to buildcompetencies. Training on products and operations is imparted through web-based trainingmodules. Special programmes on functional training and leadershipdevelopment to buildknowledge as well as management ability are conducted at a dedicatedtraining facility.HDFC Bank also draws from the best available training programmes andfaculty, bothinternational and domestic, to meet its training and development needs andbuild globallybenchmarked skills and capabilities.HDFC Bank seeks to build in all its employees a total commitment towardsexceptionalstandards of performance and productivity, adaptability to changingorganizational needs andthe demands of the business environment and a willingness to learn andacquire new


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capabilities. HDFC Bank believes in defining clear performance parametersfor employees andempowering them to achieve their goals. This has helped to create a cultureof highperformance across the organization. HDFC Bank also has a structured

process of identifyingand developing leadership potential.The focus on human resources management as a key organizational activityhas resulted inthe creation of an exceptional pool of talent, a performance-orientedorganizational cultureand has imparted agility and flexibility to the organization, enabling it tocapitalize onopportunities and deliver value to its stakeholders.

Rapid growth in a burgeoning new market should be cause for celebrationunless theorganization that's growing can't keep up with the demands of an expanding workforce or

simplify the management of multiple databases. But Mumbai, India-based HDFC Bank

wasn't about to let that happen.

Initially the premier bank in the corporate sector, HDFC Bank began its expansion intothe retail market in 1995. Now, as it adds thousands of new customers each day and

manages dramatic increases in its retail loan portfolio11 percent in 1003 alonethe

bank is facing the challenges that come with rapid success.

"Today's competitive environment means that human resources [HR] must refocus away

from activities that sap value from the organization and instead focus on achievingoutcomes that improve company performance," says C.N. Ram, head of information

technology at HDFC Bank. HDFC was already an established leader in eliminating theinefficiency traditionally associated with resource planning and management, and bank

management knew just what to do.

"Due to significant growth in the number of our employees over the past few years, we

could no longer handle our human capital management on Microsoft Excel spreadsheetsand homegrown reports," says Ram. In addition, management understood that high

growth rates might have jeopardized product quality, while tension about relative

compensation levels between the sales personnel in the branch and operations could have

threatened HDFC Bank's culture.


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H. About Finance: FINANCIAL RESULTSQuarter ended September 30, 1007

The total income of the bank for the quarter ended September 30, 1007 grew by44.0% over the corresponding quarter ended September 30, 1006 to Rs.1,845.1

crores. Net revenues (net interest income plus other income) for the quarter ended

September 30, 1007 were Rs.1,645.1 crores, an increase of 38.7% over Rs.1,185.7

crores for the corresponding quarter of the previous year. Interest earned (net of

loan origination costs and amortization of premia on investments held in the Held

to Maturity (HTM) category) increased from Rs.1,578.0 crores for the quarterended September 30, 1006 to Rs.1,361.8 crores for the quarter ended September

30, 1007. Net interest income (interest earned less interest expended) for the

quarter ended September 30, 1007 increased by Rs.374.7 crores to Rs.1,161.7

crores, up by 47.6%. This was driven by an average asset growth of 39.4% and a

core net interest margin (NIM) of 4.0% as against 3.8% for the quarter ended

September 30, 1006 (NIMs adjusted for the HTM premia amortization).

Other income (non-interest revenue) for the quarter ended September 30, 1007was Rs.481.4 crores, as against Rs.397.7 crores for the corresponding quarter of

the previous year. Its principal component was fees and commissions contributing

Rs.391.9 crores for the quarter ended September 30, 1007, a growth of 14.8% over

the corresponding quarter of the previous year. The other two components of other

income were foreign exchange/derivatives revenues of Rs.38.7 crores and profiton sale/revaluation of investments of Rs.46.1 crores for the quarter ended

September 30, 1007 as against Rs.58.1 crores and Rs.10.6 crores respectively, for

the quarter ended September 30, 1006. Operating (non-interest) expenses for the

quarter increased by Rs.139.3 crores to Rs.818.4 crores and were 49.7 % of net

revenues. Provisions and contingencies for the quarter were Rs.189.4 crores(against Rs.148.1 crores for the corresponding quarter ended September 30, 1006),principally comprising of specific and general loan loss provisions of Rs.173.1

crores. After providing Rs.168.8 crores for taxation, the bank earned a Net Profit

of Rs.368.5 crores, an increase of 40.1% over the quarter ended September 30,

1006.

Total balance sheet size increased by 44.1% from Rs.84,363 crores as of

September 30, 1006 to Rs.1,11,545 crores as of September 30, 1007. Totaldeposits were Rs.91,069 crores, an increase of 43.5% from September 30, 1006.

With savings account deposits of Rs.11,373 crores and current account deposits at

Rs.15,456 crores, the CASA mix was healthy at 51.5% of total deposits as atSeptember 30, 1007. Deposits as of September 30, 1007, included around Rs.3000

crores of collections held in current accounts as a banker to various initial public

offerings. The Banks total customer assets (including advances, corporate

debentures, investments in securitised paper, etc) increased to Rs.65,811 crores as

of September 30, 1007, from Rs.49,316 crores as of September 30, 1006, a growth

of 33.4%. Retail loans grew 37.1% on a year-on-year basis to Rs.34,568 crores,

and now form 55.1% of gross advances.


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Half-Year ended September 30, 1007:

For the half-year ended September 30, 1007, the Bank earned total income of

Rs.5,486.8 crores as against Rs.3,771.0 crores in the corresponding period of the

previous year. Net revenues (net interest income plus other income) for the six

months ended September 30, 1007 were Rs.3,103.1 crores, up by 39.6% over

Rs.1,194.1 crores for the six months ended September 30, 1006. Net Profit for thehalf-year ended September 30, 1007 was Rs.689.7 crores, up by 37.3%, over the

corresponding six months ended September 30, 1006.

Capital Structure

The authorised capital of HDFC Bank is Rs.450 crore (Rs.4.5 billion). The

paid-up capital is Rs.311.9 crore (Rs.3.1 billion). The HDFC Group holds

11.1% of the bank's equity and about 19.4% of the equity is held by the ADSDepository (in respect of the bank's American Depository Shares (ADS)

Issue). Roughly 31.3% of the equity is held by Foreign Institutional

Investors (FIIs) and the bank has about 190,000 shareholders. The shares are

listed on the The Stock Exchange, Mumbai and the National Stock

Exchange. The bank's American Depository Shares are listed on the New

York Stock Exchange (NYSE) under the symbol "HDB".

J. About IT Infrastructure:HDFC Bank continues to leverage information technology as a strategic tool forits businessoperations, to gain competitive advantage by offering customer convenience andimprovedservice as well as improving productivity and efficiency. HDFC Banks technologystrategyemphasizes enhanced level of customer services through 14x7 availability, multi-channel bankingand straight through processing, and cost efficiency through optimal use of

electronic channels,wider and focused market reach and opportunities for cross-selling. TheTechnology ManagementGroup (TMG) is the focal point for the ICICI Groups technology strategy andGroup-widetechnology initiatives. This group reports directly to the Managing Director &CEO.


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HDFC Bank is focusing on harnessing technology for integrating diverseproducts by unifyingthe enterprise IT architecture. In January 1001, we commenced implementationof an Enterprise

Application Integration initiative in a phased manner. This initiative is aimed at

providing asingle customer view leading to increased customer satisfaction and employeeproductivity.The core banking software was upgraded during the first half of fiscal 1001. Newinitiativesinclude, among others, sending customer statements in electronic form over e-mails, facilitiesto invest in mutual funds through a bank account which could be operated acrossthedelivery channels (ISWEEP) and integration of depository account of corporateswith their

bank account to facilitate on-line trading in debt instruments. Centralization ofbranch databaseshas permitted centralization of cheque-book issuance, account-openingprocessing, statementgeneration and printing, ATM card issue and generation of MIS andreports, thereby releasing significant resources at branches. Presently,the bank manages the largest centralized database among all banks inIndia.

K. About Plans for the Future:

HDFC Bank remained a relatively better performer even when other banks

witnessed profit squeeze due to economic slowdown. With economic recovery insight the bank is all set to rapidly expand its network.


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A. About the Company:19. Name of the organization :AXIS bank

20. Sector Classification banking

21. Registered Office and Head Office Locations (Address, telephone, telex,fax, email, etc.)The Company SecretaryAxis Bank Limited,"TRISHUL", Third Floor,Opp. Samartheshwar Temple,Nr. Law Garden, Ellisbridge,

Ahmedabad - 380 006

Email: [email protected]

The Central OfficeAxis Bank Limited,131, Maker Tower - F,Cuffe Parade,Colaba,Mumbai - 400 005.Tel: (011) 6707 4407Fax: (011) 1118 6944

1118 1419


Type of organization: i.e. Public Ltd/


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Shareholding Structure: Local public/private %, Local Institutional %,Foreign public/private %, Foreign Institutional %

Board Members/Ownership structure

23. Collaborations and affiliations: (Financial, Technical, Marketing, etc.)

24. Company size: Current Capitalisation

Number of employees (globally)

Current annual turnover

Rating/standing within its sector25. Geographical Reach: Branch and / or distributors Locations at home and

overseas, if any, etc26. Organizations History:

Year of establishment

Constitution at the time of establishment

Size at the time of establishment

Growth history

Factors contributing to the growth

Specific achievements (hallmarks since establishment)27. Organization Structure: Top Management, Management Hierarchy,

Divisions/Departments, type of structure (Linear, hierarchical, Matrix,etc.)

28. Company web-site/s: Structure, user friendliness, extent of info available,what additional information is advisable, etc.

29. Public Relation strategies.

B. About Products Portfolio:

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Savings A/c

SpecialSavings

Account

Senior CitizenServices

Fixed Deposit

Easy FD

RecurringDeposit

PrivateBanking

RoamingCurrent A/c

Young Stars

Bank@campus

Salary A/c

Womens A/c

EEFC A/c

RFC A/c

PrivilegeBanking

No frills A/c

OutwardRemittance

CreditCards

Debit cumATM Cards

Travel Card

AccountOpening

Einstruction /Speak totransfer

Digitallysignedstatement

Status ofrequest

HomeLoans

PersonalLoans

Car Loans

Two

WheelerLoans

CommercialVehicleLoan

LoansagainstSecurities

FarmEquipmentLoans

ConstructionEquipmentLoan

OfficeEquipmentLoan

MedicalEquipmentLoan

PreApprovedLoans

ICICI BankBonds

GOI Bonds

Mutual Funds

IPO

Pure Gold

Foreign ExServices

Senior CitizensSavings Scheme,1004

Life Insurance

GeneralInsurance

NRE Savings A/c

NRO Savings A/c

NRE Fixed Deposit

NRO Fixed Deposit

NRE RecurringDeposit

FCNR Fixed Deposit

RFC Savings A/c

RFC Fixed Deposit

Home Loans

Donate1India

Singapore OffshoreBranch

Bahrain OffshoreBranch

Bill Payment

Shopping

Ticket Booking

Prepaid MobileRecharge

Smart Money OrderCard-1-Card FT

Funds Transfer

Share Trading

Charity

Bank Account

Credit Card

Demat

Loans

To SubscribeCharges

ICIC

IBank

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TermsCond

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. About Clientele/Customer satisfactions andRelationships:

During fiscal 1001, we received several prestigious awards in recognition of ourbusinessstrategies, customer services, human resources practices and transparency infinancialreporting, including: The title Best Retail Bank in India by Asian Banker for the second consecutiveyear;
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