Description
COMPARARTIVE STUDY OF ICICI VS HDFC BANK
Hdfc bank(Sar utha k jiyo)
Presented by: Shanta Mishra Btech-MBA
History
• The General Bank of India was set up in the
year 1786. • The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 •In 1955,these three banks became the imperial bank of India. •Reserve Bank of India (RBI) established in April 1935 with a share capital of Rs 5 Crores.
? 81 scheduled commercial banks
? 28(19 nationalized banks , 8 SBI group banks, 1 IDBI
? ? ?
?
bank) 29 foreign banks 24 private banks , combined networks of over 53000 branches,17000 ATM’s The public sector holds over 75% of total assets of banking industry, with private and foreign banks holds 18% & 7% respectively Sources(www.IBEF.ORG)
? Founded in 1977 by Hamukh bhai prakash ? HDFC bank was incorporated in AUG 1994 ? It holds 1st in new generation commercial banks ? HDFC head quarters-HDFC bank Ltd.., Mumbai ? Products Provide : Loans, Credit cards, savings, investment ? ? ? ?
vehicles Net Revenue:24628.38Cr Net Income:4017.69Cr Employees:60000 2620 branches,6520 ATM’s, covering 996 cities all branches covered with OLRT,16 branches in middle east,6 in Africa
? It has been started its operations in 1994,promted by ? ? ? ? ? ?
unit trust of India Branches-1042 Third largest private sector bank. largest ATM network in the India Total income is 13745.04Cr rupees Total no of employees-14000 Provide products: Investment banking, Retail banking, private banking, mortgage banking,corporate banking
? ICICI is the 2nd largest bank in India
? Total Assets-4062.34B rupees
? PAT(Profit After Tax):51.51B rupees ? Branches-2897,ATM’s-10021,Subsidary-19countiries
? Head Quarter-Mumbai
? Products provide
ersonal banking,wealth
management,NRI banking, Online services
? Adopting NETSAFE policy
? Using MID strategy for customer information
? Special plan for women's(HDFC life smart women's
plan) ? ONEVIEW system for viewing more then one bank account at a time ? RTGS system for fast transfer of money
Particulars
HDFC BANK
AXIS BANK
ICICI BANK
National branches
Equity shares Net interest income Market capital Stock price Net profit 469.36 Cr 27286.35 Cr 157488.32 664.50 5167 413.20 21994.62 Cr 59214 1384.10 4242.21 1152.77cr 33542.65 135297.07 1172.75 6465.27
Particulars Net profits Current account and savings account(CASA) ratio
AXIS BANK Rs 4218 Cr 42 %
HDFC BANK Rs 5247 Cr 48.4 %
ICICI BANK Rs 7643 Cr 43.5 %
Net non performing assets
0.25 %
0.20 %
0.62 %
Capital adequacy 13.66 % ratio (CAR) Provision coverage ratio (PCR) 80.91 %
16.5 % 82.4 %
18.52 % 80.4 %
? HDFC has high CASA(Current accounts and saving
accounts ) ratio to find the ways to access the low cost funds to ramp up its growth.
? Quiet lower Net non performing assets value. ? HDFC has a good Provision coverage ratio (PCR), to
meet the liabilities, as compared to the AXIS Bank and ICICI Bank
ICICI
Assistant manager
195000-582216
Branch manager
HDFC
319430-1136490
Assistant manager Branch manager
AXIS
180000-500000 485000-1000000
Assistant manager Branch manager
269000-420000 600000-1000000
? ICICI Bank's minimum monthly balance
requirement is Rs 10,000 at metro and urban locations; Rs 5,000 at semi-urban branches; and Rs 2,000 in rural areas. ? the minimum monthly balance requirement at metro and urban areas is Rs 10,000 for Axis Bank and HDFC Bank. In the case of semi-urban areas, the minimum balance requirement is Rs 5,000 for the two banks. In rural areas, the minimum balance requirement is Rs 5,000 in the case of HDFC Bank and Rs 2,500 in the case of Axis Bank
? These private sector lenders have also tweaked the
penalty charge for non-maintenance of minimum monthly balance. Charges for HDFC Bank and ICICI Bank range between Rs 250 and Rs 350; while, those of Axis Bank are Rs 750 (metro and semi-urban) and Rs 500 (rural).
? Increasing market share in India
? Delivering high quality customer services.
? Delivering more products to more customers. ? Maintaining current high standards for asset quality
through disciplined credit risk management. ? Develop innovation products and services that attract target customers
? Here the bank selected a number of segmented, each
objectively attractive & appropriate. There may be little or low synergy among the segment but each segment proves to be worth full for it. ? If we make the examples of cards then Axis bank have separate set of credit cards, each targeted at different set of people i.e segment and each one has its own importance for the bank
? ICICI is focusing on SME under wholesale segment.
? It is also focusing on Rural banking under retail
segment. ? Offering micro-credit through micro financing institutions(MFI’s),micro insurance and microinvestment products. ? Financial inclusion through business correspondents, farmers financing and integration of agri-value chain
Thank you…
doc_650366503.pptx
COMPARARTIVE STUDY OF ICICI VS HDFC BANK
Hdfc bank(Sar utha k jiyo)
Presented by: Shanta Mishra Btech-MBA
History
• The General Bank of India was set up in the
year 1786. • The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 •In 1955,these three banks became the imperial bank of India. •Reserve Bank of India (RBI) established in April 1935 with a share capital of Rs 5 Crores.
? 81 scheduled commercial banks
? 28(19 nationalized banks , 8 SBI group banks, 1 IDBI
? ? ?
?
bank) 29 foreign banks 24 private banks , combined networks of over 53000 branches,17000 ATM’s The public sector holds over 75% of total assets of banking industry, with private and foreign banks holds 18% & 7% respectively Sources(www.IBEF.ORG)
? Founded in 1977 by Hamukh bhai prakash ? HDFC bank was incorporated in AUG 1994 ? It holds 1st in new generation commercial banks ? HDFC head quarters-HDFC bank Ltd.., Mumbai ? Products Provide : Loans, Credit cards, savings, investment ? ? ? ?
vehicles Net Revenue:24628.38Cr Net Income:4017.69Cr Employees:60000 2620 branches,6520 ATM’s, covering 996 cities all branches covered with OLRT,16 branches in middle east,6 in Africa
? It has been started its operations in 1994,promted by ? ? ? ? ? ?
unit trust of India Branches-1042 Third largest private sector bank. largest ATM network in the India Total income is 13745.04Cr rupees Total no of employees-14000 Provide products: Investment banking, Retail banking, private banking, mortgage banking,corporate banking
? ICICI is the 2nd largest bank in India
? Total Assets-4062.34B rupees
? PAT(Profit After Tax):51.51B rupees ? Branches-2897,ATM’s-10021,Subsidary-19countiries
? Head Quarter-Mumbai
? Products provide
ersonal banking,wealthmanagement,NRI banking, Online services
? Adopting NETSAFE policy
? Using MID strategy for customer information
? Special plan for women's(HDFC life smart women's
plan) ? ONEVIEW system for viewing more then one bank account at a time ? RTGS system for fast transfer of money
Particulars
HDFC BANK
AXIS BANK
ICICI BANK
National branches
Equity shares Net interest income Market capital Stock price Net profit 469.36 Cr 27286.35 Cr 157488.32 664.50 5167 413.20 21994.62 Cr 59214 1384.10 4242.21 1152.77cr 33542.65 135297.07 1172.75 6465.27
Particulars Net profits Current account and savings account(CASA) ratio
AXIS BANK Rs 4218 Cr 42 %
HDFC BANK Rs 5247 Cr 48.4 %
ICICI BANK Rs 7643 Cr 43.5 %
Net non performing assets
0.25 %
0.20 %
0.62 %
Capital adequacy 13.66 % ratio (CAR) Provision coverage ratio (PCR) 80.91 %
16.5 % 82.4 %
18.52 % 80.4 %
? HDFC has high CASA(Current accounts and saving
accounts ) ratio to find the ways to access the low cost funds to ramp up its growth.
? Quiet lower Net non performing assets value. ? HDFC has a good Provision coverage ratio (PCR), to
meet the liabilities, as compared to the AXIS Bank and ICICI Bank
ICICI
Assistant manager
195000-582216
Branch manager
HDFC
319430-1136490
Assistant manager Branch manager
AXIS
180000-500000 485000-1000000
Assistant manager Branch manager
269000-420000 600000-1000000
? ICICI Bank's minimum monthly balance
requirement is Rs 10,000 at metro and urban locations; Rs 5,000 at semi-urban branches; and Rs 2,000 in rural areas. ? the minimum monthly balance requirement at metro and urban areas is Rs 10,000 for Axis Bank and HDFC Bank. In the case of semi-urban areas, the minimum balance requirement is Rs 5,000 for the two banks. In rural areas, the minimum balance requirement is Rs 5,000 in the case of HDFC Bank and Rs 2,500 in the case of Axis Bank
? These private sector lenders have also tweaked the
penalty charge for non-maintenance of minimum monthly balance. Charges for HDFC Bank and ICICI Bank range between Rs 250 and Rs 350; while, those of Axis Bank are Rs 750 (metro and semi-urban) and Rs 500 (rural).
? Increasing market share in India
? Delivering high quality customer services.
? Delivering more products to more customers. ? Maintaining current high standards for asset quality
through disciplined credit risk management. ? Develop innovation products and services that attract target customers
? Here the bank selected a number of segmented, each
objectively attractive & appropriate. There may be little or low synergy among the segment but each segment proves to be worth full for it. ? If we make the examples of cards then Axis bank have separate set of credit cards, each targeted at different set of people i.e segment and each one has its own importance for the bank
? ICICI is focusing on SME under wholesale segment.
? It is also focusing on Rural banking under retail
segment. ? Offering micro-credit through micro financing institutions(MFI’s),micro insurance and microinvestment products. ? Financial inclusion through business correspondents, farmers financing and integration of agri-value chain
Thank you…
doc_650366503.pptx