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introductionHDFC Bank Limited is an Indianfinancial servicescompany based inMumbai , Maharashtra that was incorporated in August 1994.The first largest bank byMarket Capitalization as of November 1, 2012.As on May 2013, HDFC Bank has 3,062 branches and 10,743 ATMs, in 1,568 cities in India.It was among the first companies to receive an 'in principle' approval from theReserve Bank of India (RBI)to set up a bank in the private sector.BOARD OF DIRECTORS

Mr. Aditya Puri, CEO & Managing director Kaizad Bharucha, Executive directorKeki Mistry, Director Sashidhar Jagdishan, Chief Financial OfficerSanjay Dongre, Secretary

Mrs.Shyamala Gopinath, Chairman Capital Structure

The authorized capital of HDFC Bank is Rs550 crore (Rs5.5 billion). The paid-up capital is Rs424.6 crore (Rs.4.2 billion). The HDFC Group holds 19.4% of the bank's equityRoughly 28% of the equity is held by Foreign Institutional Investors (FIIs) and the bank has about 570,000 shareholders

Vision & MissionVisionTo be customer driven best managed enterprise that enjoys market leadership in providing housing related finance.MissionTo provide a package of attractive financial services for housing purposes through a competent and motivated team of employees using the state of the art technology to maintain financial stability and growth of the organization whilst contributing to the national goal of providing decent housing to all.

Business StrategyIncreasing market share in Indias expanding banking.Delivering high quality customer service.Delivering more products to more customers.Maintaining current high standards for asset quality through disciplined credit risk management.Develop innovative products and services that attract targeted customers and address inefficiencies in the Indian financial sector.

Product & servicesTravellers ChequesCredit cardHome loanPersonal loanForeign Currency CashForeign Currency Demand DraftsCheque DepositsRemittancesTrade ServicesMutual fundsInsurance

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Travellers Cheques : Travellers Cheques are a safe and easy way to protect your money when you travel. You can encash them only when you need to, and only against your signature, unlike cash which can be stolen and misused by anybody, immediately. Credit Card : Credit Card can be used for all your requirements, be it shopping, eating out, holidaying, fuelling up your vehicle, railway ticket reservations - just about any financial requirement, planned .Home loan : Home loans for individual to purchase or construct houses. Personal Loans : The procedure of personal loan is simple, documentation is minimal and approval is quick.

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Trade Service : HDFC Bank have people with high level of expertise and experience in trade services to provide services to suit specific requirements and structure solutions for business needs. HDFC Bank have 500 branches for trade services.Mutual funds : Mutual funds are funds that pool the money of several investors to invest in equity or debt markets.Insurance : HDFC Bank offers a world of choice in insurance. Like children future plans, retirements plans, standard life, etc.

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Foreign Currency Cash : Foreign Currency Cash is a convenient way of meeting personal expenses along your journey, paying for taxis / internal travel, food expenses etc.Foreign Currency Demand Drafts : Demand Drafts are issued in seven currencies like United States Dollars (USD), Great Britain Pounds (GBP), EURO, Japanese Yen (JPY), Australian Dollars (AUD), Canadian dollars (CAD) and New Zealand Dollars (NZD). Foreign Currency Cheque Deposits : We can directly deposit our foreign currency cheques in to our saving or current account. Remittances : HDFC Bank offers the remittance facilities by which we can send and receive money to anyone. They are categorized depending on location and the urgency with which we want the money transferred.

Segmentation strategyDemographics variablesLocation -Metros & divisional citiesOccupation-Business person-Salaried class (both govt. & private)Age-Senior citizens-Minorpsychographic variablesLifestyle-People who believes in modern banking with higher set of service i. e. internet banking (incontact, mobile refill, travel currency card etc.)

12Targeting strategyTarget marketCorporate banking market : this market target the industries & fulfill their financial needs.

Capital market : this segment is targeted on the long term needs of the individual as well as of industries.

Retail banking market : this segment is for retail investors & provide them short term financial credit for their personal, house hold needs.

Competition !!! - The way ahead

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Operation Red SpiderOn 14 March 2013 an online magazine named Cobrapost released video footage fromOperation Red Spidershowing high ranking officials and some employees of HDFC bank willing to turn black money into white which is violation ofMoney Laundering Control ActFollowing this the government of IndiaandRBIhave ordered an inquiryThe enquiry confirmed violation of KYC (Know Your Customer) norms by HDFC Bank. A penalty of Rs 45 million was imposed on the bank by RBI

Milestones !!!! HDFC reached a milestone of 200 branches in tamilnadu by 26th june 2014May 2008 HDFC bank acquired CENTURION BANK OF PUNJAB TIMES BANK LTD was merged with HDFC BANK LTD on feb 2000First bank to launch an International debit card in india (VISA,MASTERCARD,MAESTRO)Bank has won the NASSCOM CNBC-TV18 IT Innovation Award for theBEST IT DRIVEN INNOVATION IN BANKING (COMMERCIAL) in the VERTICAL category.

Important awards won by the bankBusiness leader of the year - AIMA Managing India Awards 2015 to aditya puriBest of Best Domestic Banks of India - Asia money in 2014Best Internet Bank - IBA Banking Technology Awards for the year2012-13Best corporate in banking sector - Dun & Bradstreet - Manappuram Finance Limited Corporate Award 2014Mumbai, September 7, 2012: HDFC Bank, India's second largest private Bank has featured in the prestigious Forbes Asia's Fab 50' list of companies.

Future plansLaunch 250 new branches.HDFC Bank plans to raise Rs 4,200 crore in capital.Relocate branches to un-banked rural Punjab.HDFC Bank plans to set up NBFC.