MITTAL SCHOOL OF BUSINESS MBA (GEN)

Continuous Assessment - 2
Analysis Report on HDFC BANK LIMITED
Course: CORPORATE FINANCE -I

Submitted By
Student Name Roll No
Masthan Shaik RQ2141B29

Submitted To
Monika Kalani
UID: 12348
Course Instructor
Course Code: FINM542
CORPORATE FINANCE -I

1
Declaration:

We declare that this Assignment is our individual work. We have not copied it from any other student’s
work or from any other source except where due acknowledgement is made explicitly in the text, nor has
any part been written for us by any other person.

Student’s Signature: Student Registration No Student Signature

1. Masthan shaik RQ2141B29

Evaluator’s comments (For Instructor’ use only)

General Observations Suggestions for Improvement Best part of assignment

     

Marks Obtained: _____ Max. Marks: _____ Evaluator’s Signature

and Date

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 INTRODUCTION

Hdfc Bank Limited is personal financial institution. HDFC is Indias biggest personal financial institution,
HDFC financial institution constrained is massive financial institution withinside the phrases of property
and marketplace capitalisation as of April 2021. HDFC financial institution constrained has began out
August 1994 (27 years ago).HDFC financial institution constrained situated in Mumbai,Maharashtra. It is
specifically served in India It is the 0.33 biggest employer with the aid of using marketplace
capitalisation at the Indian inventory exchanges. It is likewise the 15th biggest business enterprise in india
with almost 120,000 personnel.

Key human beings in hdfc financial institution constrained is Atanu Chakraborty , Sashidhar Jagdishan .
Atanu Chakaraboty is the chairam of the hdfc financial institution constrained and Sashidhar Jagdishan is
running as a ceo of the HDFC financial institution. It is likewise the 15th biggest business enterprise in
india with almost 120,000 personnel. ts first company workplace and a full-carrier department at Sandoz
House, Woril had been inaugurated with the aid of using the then Uninon Finace minister , Manmohan
singh. As of 30 June 2019, the Bank's distribution community turned into at 5,500 branches throughout
2,764 cities. The financial institution additionally established 430,000 POS terminals and issued
23,570,000 debit playing cards and 12 million credit score playing cards in FY 2017. It has a base of
1,16,971 everlasting personnel as of 21 March 2020.

HDFC Bank presents some of services and products inclusive of Wholesale banking ,retail banking,
treasury, car loans, -wheeler loans, private loans, loans in opposition to property, client long lasting
mortgage, way of life mortgage and credit score card. Along with this numerous virtual merchandise are
Payzapp and SmartBUY. HDFC bankhas subseries HDFC Securities, HDFC Financial services.

HDFC Bank merged with instances financial institution in February 2000. This turned into the primary
merger of personal banks withinside the New Generation personal zone banks category. Times financial
institution turned into installed with the aid of using Bennett, Coleman and Co. Ltd., typically
acknowledged as The Time Group, India's biggest media conglomerate. In 2008,Centurion Bank Of
Punjab (CBoP) turned into received with the aid of using HDFC Bank. HDFC Bank's board accredited
the purchase of CBoP for ₹95.1 billion in certainly considered one among the biggest mergers withinside
the economic zone in India. In 2021, the financial institution

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received a 9.99% stake in FERBINE, an entity promoted with the aid of using Tata Group, to function a
Pan-India umbrella entity for retail price systems, much like country wide bills agency of india. In
September 2021, the financial institution partnered with Paytm to release quite a number credit score
playing cards powered with the aid of using the worldwide card community Visa.

In March 2020, HDFC (discern employer of HDFC BANK) made an funding of ₹1,000 crores in Yes
financial institution. As consistent with the scheme of reconstruction of Yes Bank, 75% of the overall
funding with the aid of using the agency could be locked in for 3 years. On 14 March, Yes Bank allocated
a hundred crore stocks of the face cost of ₹2 every for attention of ₹10 consistent with proportion
(inclusive of ₹eight premium) to the Corporation aggregating to 7.ninety seven percentage of the publish
difficulty fairness proportion capital of Yes financial institution

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ANALYSIS OF LONG-TERM SOURCES OF FINANCE

Types of long-term finance sources:

1. Share Capital

 Preference Share Capital

 Equity Share Capital

2. Debt

 Long term a financial institution

 Long term loan from public (Debenture)

3. Retained Earnings

4. Venture Capital

SHARE CAPITAL OF HDFC BANK

TABLE 1

AUTHORIZ ISSUED
INSTRUMEN
PERIOD -D CAPITA PAIDUP
T
CAPITAL L
Face
From To (Rs. cr) (Rs. cr) Shares (no’s) Capital
  Value

5,51,27,76,48
2020 - 2021 Equity Share 650 551.28 1 551.28
2

5,48,32,86,46
2019 - 2020 Equity Share 650 548.33 1 548.33
0

2,72,33,06,61
2018 - 2019 Equity Share 650 544.66 2 544.66
0

2,59,50,90,26
2017 - 2018 Equity Share 650 519.02 2 519.02
7

2,56,25,45,71
2016 - 2017 Equity Share 650 512.51 2 512.51
7

FOOT NOTE: Amount in crores and shares in number

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As on 30 - June-2019 the legal proportion capital of the Bank is Rs. 650 crore. The paid-up proportion
capital of the Bank as at the stated date is Rs 546,56,24,542 /- that's comprising of 273,28,12,271 fairness
stocks of the face cost of Rs 2/- each. The HDFC Group holds 21.31 % of the Bank's fairness and
approximately 18.81 % of the fairness is held via way of means of the ADS / GDR Depositories (in
recognize of the financial institution's American Depository Shares (ADS) and Global Depository
Receipts (GDR) Issues). 31.37 % of the fairness is held via way of means of Foreign Institutional
Investors (FIIs) and the financial institution has 6,53,843 shareholders

The stocks are indexed at the BSE Limited and The National Stock Exchange of India Limited. The
Bank's American Depository Shares (ADS) are indexed at the New York Stock Exchange (NYSE) below
the symbol 'HDB' and the Bank's Global Depository Receipts (GDRs) are indexed on Luxembourg Stock
Exchange below ISIN.

The effect of mortgage moratorium and the slowing credit score increase will begin coming to the books
of maximum of the huge banks, together with HDFC Bank, from September or from the 0.33 region of
this economic year.

The capital elevating is aimed to bolster the financial institution’s capital buffers and liquidity in order
that it's miles well-fortified to address any capability upward thrust in slippages withinside the credit
score books after September.

HDFC Bank had final raised capital in 2018 thru brief tranches. First, on 17 July, 2018, thru a
preferential allotment of 39.1 million stocks to HDFC Ltd for Rs. 8,500 crore. Later, on 2 August, 2018,
HDFC Bank, thru a QIP of 12.eighty five million stocks, raised Rs.2,775 crore and thru an ADR issuance
raised $1.eighty two billion (equal to Rs. 12,440.nine crore then).

Mint mentioned on 28 April, mentioning inner strain assessments carried out via way of means of HDFC
Bank Ltd and IndusInd Bank Ltd that horrific loans should develop for home creditors because of the
lockdown.

HDFC Bank expects as much as a 50 foundation points (bps) effect from likely strain in small
commercial enterprise loans. IndusInd Bank has pegged the discern at a most of eighty bps. One
foundation factor is one-hundredth of a percent factor.
Indian creditors assume that greater budget might cross an extended manner to reinforce their capital base
and arrest any erosion of their capital adequacy.

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SHARE HOLDING DETAILS OF HDFC
Table: 2

Holder's Name No of Shares % Share Holding

No Of Shares 5526719098 100%

Promoters 1164625834 21.07%

Foreign Institutions 1771999534 32.06%

N Banks Mutual Funds 616148061 11.15%

Central Govt 7053308 0.13%

Others 97195095 1.76%

General Public 492265734 8.91%

Financial Institutions 349316007 6.32%

GDR 1028115525 18.60%

ANALYSIS
From the above table we get to know that the total number of share percentage holding in hdfc bank. The
total shares are 55 crores, it means total hdfc bank had 100 percentage share in the bank, they are diff
shareholders are holding shares in hdfc they hold share as per their investment.
Foreign institutions had more shares in the hdfc bank they holders more than 32.06 % in the hdfc bank it
mean they had most number of shares in the hdfc bank, second highest share holder in the hdfc bank is
promoters holding 21.07% shares in the bank, GDR holds 18.60% in the bank and the least of share
holding percentage is 0.13% which is holding by the central govt. central govt of India most of the time
they invest in every bank and every project which is starting in the India, but in this hdfc bank central
govt of India holdings less shares compare to other investments of central bank of the India.

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This preference share holders actually issued for collecting money for capital of the organisation. This
preference share can be redeemable If the costumer want to sell the shares and want to get the amount
which he / she invested in the bank.

HDFC to elevate as much as RS one hundred thirty billion thru choice stocks, IQP This can be the
primary fairness elevating through the country's biggest pure-play loan lender in over a decade. The
Committee of Directors of the Corporation at its assembly held these days permitted the difficulty of
fairness stocks as much as an mixture quantity now no longer exceeding Rs 13,000 crore thru a aggregate
of a Preferential Allotment and Qualified Institutions Placement, difficulty to shareholders' approval thru
postal ballot. The board permitted issuance 6.forty three crore stocks of face price of Rs 2 every on a
preferential foundation at a fee of Rs 1726.05 in step with share, aggregating to Rs 11,103.sixty six crore
to diverse buyers together with Azim Premji Trust. The board additionally permitted the issuance of such
quantity of stocks of face price of Rs 2 every thru Qualified Institutional Placement (QIP) such that the
entire quantity to be raised shall now no longer exceed Rs 1,896 crore, difficulty to approval. The key
goal of elevating capital is to take part withinside the preferential difficulty of HDFC Bank as much as an
quantity now no longer exceeding Rs 8,500 crore. This could allow the Corporation to keep its modern
shareholding in HDFC Bank. "The Corporation may also want capital to sponsor finances it has
installation to make investments withinside the fairness and mezzanine debt of lower priced housing
projects, aid capital necessities of its subsidiary groups as and whilst required and capitalise on natural
and inorganic increase possibilities withinside the lower priced housing

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DIVIDEND DATA OF HDFC BANK

Announcement Dividend Dividend Dividend

Ex-Date Remarks
Date Type (%) (Rs)

29-06- Rs.6.5000 per share

18-06-2021 Final 650 6.5
2021 (650%) Dividend

Rs.5.0000 per share

01-08-
22-07-2019 Special 250 5 (250%) Special Interim
2019
Dividend

20-06- Rs.15.0000 per share

22-04-2019 Final 750 15
2019 (750%) Dividend

31-05- Rs.13.0000 per share

23-04-2018 Final 650 13
2018 (650%) Dividend

29-06- Rs.11.0000 per share

24-04-2017 Final 550 11
2017 (550%) Dividend

29-06- Rs.9.5000 per share

22-04-2016 Final 475 9.5
2016 (475%) Dividend

ANALYSIS FOR DIVIDEND TABLE

If the company dividend is increasing means the company is performing well and the cash flow is going
out there is more space for the share holders , increasing the dividend simply shows that the company
performance , here in the above table of HDFC company dividend data it is showing that the hdfc
company is performing well in the business that why the profits the hdfc company is increasing from the
year to year , the cash flow also is going out more that shows that shareholders also increasing.

In the above table we can see that the dividend of the hdfc company is increasing from year to year, in the
year of 2016 year the share percentage was 475% and the very next year means 2017 the shares
percentage is increased compared to the year of 2016 that 550% , in 2019 in the month of 02 it was high
but in the month of 08 it is very low that is the low percentage in the last five years. But it was recovered
in 2021.

Covid 19 hits world that time bank sector was effected highly compared to any other sectors, that time
this HDFC bank also gone down in the business after the lockdown it was recovered fully and the profits
of the company also increased. We can see that in the above table.
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DEBT

HISTORICAL TOTAL LONG-TERM DEBT (QUATERLY)

June 30, 2021 23.23B

Dec. 31, 2019 15.83B
Sept. 30, 2019 19.58B
June 30, 2019 14.55B
March 31, 2019 24.46B
Dec. 31, 2018 0
Sept. 30, 2018 22.80B
June 30, 2018 17.58B
March 31, 2018 26.30B
Dec. 31, 2017 16.27B
Sept. 30, 2017 22.44B
June 30, 2017 13.27B
March 31, 2017 16.24B
Dec. 31, 2016 10.62B
Sept. 30, 2016 14.93B
June 30, 2016 10.22B
March 31, 2016 11.68B
Dec. 31, 2015 9.029B
Sept. 30, 2015 10.36B
June 30, 2015 7.365B

ANALYSIS

If the company liabilities are increasing every year that means the company is taking loans from the bank
or from any outside sources, they are two reasons that the company is depending on the outside sources
they are 1. The company Expanding the business 2.the company is in the need of the cash.

HDFC bank limited long term sources are increasing it means the company is expanding company we can
say this because with the long-term loan the company is equality and the capital also increasing that
means the company is investing the that loan money in somewhere or the company is expanding the
business.

From the above table we can see that the HDFC company long term loans are increasing in year of 2015
the company had 7.36 billion long term loan and, in the year of 2021, it was reached to 23.5 billion it
means the company mostly depending on the outside fund for expanding the company.

These long-term sources are is not the same in every year it is keep changing from year to year we can see
that from the above table.

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CAGR of Balance Sheet Fields of HDFC Bank ltd

Field 1 Year 3 Year 5 Year 7 Year 10 Year

Total Non-
Current NA NA NA NA NA
Liabilities

   Long Term
-4.89% 4.34% 11.37% 20.00% NA
Debt
Total Current
15.15% 20.31% 20.08% 20.58% 47.09%
Liabilities
   Short Long-
-36.60% -32.54% -25.42% -9.89% NA
Term Debt

   Accounts
16.36% 19.15% 19.56% 20.24% NA
Payable

Total Liabilities 13.14% 16.94% 18.23% 19.40% 20.20%

FUND OF HDFC BANK

SOURCES OF FUNDS 2021 2020 2019

Secured Loans 135487.31 144628.55 117085.12

Unsecured Loans 1335060.25 1147502.25 923140.94

Foot Note: amount in crores

ANALYSIS

There are two diff loans that any company can take form the financial institutions they are secured loans
and unsecured loans. HDFC bank limited had this tow type of financial sources. Secured loans means
what we cant loan for giving some security or mortgage to creditors, unsecured loans are different they
are get with giving surety or mortgage.

HDFC Bank Limited had Secured loans 135487.31 as per the record of the 2021, every year this amount
is keep changing and fluctuating one year it was high and another year is it is low because of the fund’s
requirements of the company by that this amount is keep changing.

Unsecured loans of hdfc bank limited are every is increasing compare to the last few years, in the year of
2019 it was 923140.94 but, in the year of 2021, it is increased and it was 1335060.

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RETAINED EARNINGS

Field Mar-21 Mar-20 Mar-19 Mar-18 Mar-17

  Retained
138863.51 111095.65 92730.12 75371.92 60494.56
Earnings (Cr)

ANALYSIS

Retained earnings of the company means left over money in the profits of the company, the left-over
money we called it as retained earnings.

HDFC BANK LIMITED retained earnings are increasing every year compare to past few years it means
the hdfc bank it doing good business and gaining good profits by the business. By that profits hdfc bank is
improving the retained earnings of the company. In the year of 2017 it was 60494 crores and in year of
2017 the amount was increased little bit, and this is happening continues years, and in the year of 2021
the retained earing of the bank is 138863.51 crores.

From the above data we know that the Hdfc bank is doing good business.

VENTURE CAPITALS

No venture capital company has invested in the HDFC bank limited because it is private company and
banking sector. HDFC bank is already established business and company in the market so HDFC doesn’t
need of the venture capitalist investment in the bank . HDFC bank is private bank which had great history
it is started long years back.

So there is no investment in the hdfc bank of venture capitalist. Venture capital is only invest in the start-
up company or else it may take share in the some established companies but the hdfc company doesn’t
have any capital invest in the hdfc bank limited.

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COMPETITORS LONG TERM FINANCE SOUCRES DATA

AXIX BANK EQUITY SHARE CAPITAL DETAILS

Authorized Issued
Period Instrument -PAIDUP-
Capital Capital

Face
From - To   (Rs. cr) (Rs. cr) Shares (no’s) Capital
Value
2020 - 2021 Equity Share 850 612.75 3,06,37,48,652 2 612.75

2019 - 2020 Equity Share 850 564.34 2,82,16,77,934 2 564.34

2018 - 2019 Equity Share 850 514.33 2,57,16,44,871 2 514.33

2017 - 2018 Equity Share 850 513.31 2,56,65,38,936 2 513.31

2016 - 2017 Equity Share 850 479.01 2,39,50,36,109 2 479.01

2015 - 2016 Equity Share 850 476.57 2,38,28,31,826 2 476.57

ANALYSIS

From the above-mentioned data, we can know the details of the equity share capital of the AXIS bank.
Equity share capital is increasing means that the more investor is interested in the company and the
shareholders also increasing by investing money in the company.

In the axis bank the equity share capital is most of the time are the same from the year of 2015 to the year
of 2021.the axis bank is always authorising 850 crores shares only and issuing shares are not up to that
authorised shares it is different when the issuing time. But the amount the company is gaining from the
issuing the shares are different it is increasing tom the year to year, by issuing the shares the company is
increasing the capital also. The axis bank is issuing the shares to gain the money for company expanding
this money mainly from the outsiders only.

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AXIS BANK PREFERANCE SHARE CAPITAL DATA

Position as on Position as on Position as on

27.08.2021 27.08.2020 27.08.2019
Shareholde
r/ Category No. of % No. of % No. of %
shares Sharehold shares Sharehold shares Sharehold
held ing held ing held ing
Promoters            
4653490 12,96,52,4 13,68,87,6
SUUTI 1.52 4.24 5.22
3 27 39
LIFE
INSURANC
E 2448216 25,43,77,2 25,99,77,2
CORPORAT
7.99 8.31 9.92
45 46 46
ION OF
INDIA
GENERAL
INSURANC
E 3085522 3,17,15,22 3,38,62,72
CORPORAT
1.01 1.04 1.29
9 9 9
ION OF
INDIA
THE NEW
INDIA
ASSURANC 2059158 2,05,91,58 2,05,91,58
E
0.67 0.67 0.79
5 5 5
COMPANY
LIMITED
NATIONAL
INSURANC
E 549681 0.02 5,49,681 0.02 5,49,681 0.02
COMPANY
LIMITED
THE
ORIENTAL
INSURANC
4977520 0.16 49,77,520 0.16 49,77,520 0.19
E
COMPANY
LIMITED
UNITED
INDIA
INSURANC
913248 0.03 9,13,248 0.03 3,24,076 0.01
E
COMPANY
LIMITED
Total
promoter 3492438 44,27,76,9 45,71,70,4
11.4 14.47 17.44
shareholdin 11 36 76
gA
Total
domestic 8561955 87,11,35,8 76,65,96,4
27.91 28.47 29.27
shareholdin 79 53 63
gB
Total 1860554 1,74,61,72, 1,39,63,87,
60.69 57.06 53.29
Foreign 599 745 150
14
 shareholdin
gC
Total - A + 3065993 3,06,00,85, 2,62,01,54,
100 100 100
B+C 989 534 089

ANALYSIS OF SHARE HOLDING DATA

From the above table we get to know that the total share holding details of the axis bank limited. In every
company many types of the share holding are there from that they are main three share holdings detail we
can discuss here.

There is total three different share holding are there in the AXIS bank limited

1. Promoter shareholding

2. Domestic shareholding

3. Foreign shareholding

In the promoter shareholding there are many shares holder are taken part, if we see the data the promoter
share holder percentage is dressing from the every year. In the given data the percentage of shareholding
in the year of 2019 it was 17.44% but, in the year of 2021, it was decreased to 11.4% it means the
promoter share holder are not interest in the axis bank limited.

Domestic share holding is different compare to promoter shareholding is increasing from year 2019 to
2021. In 2019 it was 27.91 and in the year of 2021it was 29.97%

In the axis bank shareholding foreign shareholding increasing from year 2019 to 2021. It was taking
more and more shares compare to other shares holdings, it means foreign share holding are showing
much interest in the axis bank company.

AXIS BANK DEBT DETAILS

Particulars Mar'21 Mar'20 Mar'19 Mar'18 Mar'17

Deposits 7,07,306.08 6,40,104.94 5,48,471.34 4,53,622.72 4,14,378.79

Borrowings 1,42,873.16 1,47,954.13 1,52,775.78 1,48,016.14 1,05,030.87

Other Liabilities 44,336.17 42,157.90 33,073.12 26,245.45 26,295.47

and Provisions

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 TOTAL 9,96,118.42 9,15,164.82 8,00,996.53 6,91,329.58 6,01,467.67
CAPITAL AND
LIABILITIES

Particulars Mar'21 Mar'20 Mar'19 Mar'18 Mar'17

Secured Loan 142873.16 147954.13 152775.78 148016.14 105030.87

Unsecured Loan 707306.08 640104.94 548471.34 453622.72 414378.79

TOTAL
951782.25 873006.91 767923.42 665084.13 575172.2
LIABILITIES

ANALYSIS

Axis bank liabilities are increasing in every year it is clearly showing that the company is mostly
depending on the outside funds in is in the terms of loans and borrowings and deposits.

Axis bank limited is taking loans to investing in the company because we can see that the profits of the
company is increasing from year to year, to invest money the company is in need of money to fulfil that
need company is taking loans from the banks and from the public.

Every year the liabilities of the company is increasing that we can see the data from the above table.

RETAINED EARNINGS OF AXIS BANK

  Mar ' 21 Mar ' 20 Mar ' 19 Mar ' 18 Mar ' 17

Retained earnings 32,778.96 25,661.35 27,719.66 23,318.73 26,038.31

Foot note : values are in crores

ANALYSIS

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The axis bank limited is performance is good in the market that the company is doing good business in
the banking sector from that the company is gaining profits. After profits the company is having surplus
money in bank.

The retained earnings are the money that the company is gaining from the profits , in axis bank limited
the retained earnings are increasing from year to year we can see that in the data, in the year of 2017 it
was 26,038 crores and in the year of 2021 it was increased to 32.778 crores.

DIVIDEND DATA OF AXIS BANK

Year Month Dividend (%)

2019 Apr 50
2017 Apr 250
2016 Apr 250
2015 Apr 230
2014 Apr 200
2013 Apr 180
2012 Apr 160
2011 Apr 140

VENTURE CAPLIST

No venture capital company has invested in the Axis bank limited because it is private company and
banking sector. Axis bank is already established business and company in the market so Axis doesn’t
need of the venture capitalist investment in the bank . Axis bank is private bank which had great history
it is started long years back.

So there is no investment in the hdfc bank of venture capitalist. Venture capital is only invest in the start-
up company or else it may take share in the some established companies but the hdfc company doesn’t
have any capital invest in the hdfc bank limited.

17
STATE BANK OF INIDA

EQUITY SHARE CAPITAL DATA

Authorized Issued
Period Instrument -PAIDUP-
Capital Capital
Face Capital
From To   (Rs. cr) (Rs. cr) Shares (nos)
Value (Rs. Cr)

2020 2021 Equity Share 5000 892.5 8924611534 1 892.5

2019 2020 Equity Share 5000 892.5 8924611534 1 892.5

2018 2019 Equity Share 5000 892.5 8924611534 1 892.5

2017 2018 Equity Share 5000 892.5 8924587534 1 892.5

2016 2017 Equity Share 5000 797.4 7973504442 1 797.4

2015 2016 Equity Share 5000 776.4 7762777042 1 776.3

2014 2015 Equity Share 5000 746.6 746573092 10 746.6

SHARE CAPITAL DATA OF SBI BANK

Holder's Name No of Shares % Share Holding

NoOfShares 8924611534 100%

Promoters 5079775288 56.92%
ForeignInstitutions 929841730 10.42%
NBanksMutualFunds 1149943649 12.89%
18
 CentralGovt 13417682 0.15%
Others 103050401 1.15%
GeneralPublic 558797944 6.26%
FinancialInstitutions 981339960 11%
GDR 108444880 1.22%

TYPES OF LOANS OF SBI BANK

Particulars Mar'21 Mar'20 Mar'19 Mar'18 Mar'17

Secured Loan 417297.7 314655.65 403017.12 362142.07 317693.66

Unsecured Loan 3681277.1 3241620.7 2911386 2706343.3 2044751.4

TOTAL
4352450 3788283.8 3535317 3287613.9 2550731.1
LIABILITIES

Total Current
181979.66 163110.1 145597.3 167138.08 155235.19
Liabilities

RETAINED EARNINGS

  Mar ' 21 Mar ' 20 Mar ' 19 Mar ' 18 Mar ' 17

Retained earnings 6,342.32 -737.94 -14,216.34 -12,954.83 8,375.86

DIVIDEND DATE OF SBI BANK

Year Month Dividend (%)

19
 2021 May 400
2017 May 260
2016 May 260
2015 May 350
2014 May 150
2014 Mar 150
2013 May 415

FINANCIAL POSITION COMPARISON OF THREE BANKS

AXIS BANK SBI HDFC BANK

EQUITIES AND LIABILITIES
SHAREHOLDER'S FUNDS 2021 2021 2021
Equity Share Capital 612.75 892.46 551.28
TOTAL SHARE CAPITAL 612.75 892.46 551.28
Revaluation Reserve 0 23,577.35 0
Reserves and Surplus 1,00,990.26 2,29,405.38 2,03,169.55
Total Reserves and Surplus 1,00,990.26 2,52,982.73 2,03,169.55
TOTAL SHAREHOLDERS 1,01,603.01 2,53,875.19 2,03,720.83
FUNDS
Deposits 7,07,306.08 36,81,277.08 13,35,060.22
Borrowings 1,42,873.16 4,17,297.70 1,35,487.32
Other Liabilities and Provisions 44,336.17 1,81,979.66 72,602.15
TOTAL CAPITAL AND 9,96,118.42 45,34,429.63 17,46,870.52
LIABILITIES
ASSETS      
Cash and Balances with Reserve 51,808.56 2,13,201.54 97,340.74
Bank of India
Balances with Banks Money at 9,921.26 1,29,837.17 22,129.66
Call and Short Notice
Investments 2,26,119.62 13,51,705.21 4,43,728.29
Advances 6,23,720.19 24,49,497.79 11,32,836.63
Fixed Assets 4,245.03 38,419.24 4,909.32
Other Assets 80,303.76 3,51,768.68 45,925.89
TOTAL ASSETS 9,96,118.42 45,34,429.63 17,46,870.52
OTHER ADDITIONAL      
INFORMATION
Number of Branches 4,594.00 22,219.00 5,608.00
Number of Employees 78,307.00 2,45,652.00 1,20,093.00
Capital Adequacy Ratios (%) 19.12 13.74 18.79
KEY PERFORMANCE      
INDICATORS
Tier 1 (%) 16.47 11.44 17.56
Tier 2 (%) 2.65 2.3 1.23

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 ASSETS QUALITY      
Gross NPA 25,314.84 1,26,389.00 15,086.00
Gross NPA (%) 4 5 1
Net NPA 6,993.52 36,809.72 4,554.82
Net NPA (%) 1.05 1.5 0.4
Net NPA To Advances (%) 1 2 0
CONTINGENT LIABILITIES,      
COMMITMENTS
Bills for Collection 50,375.27 17,06,949.91 44,748.14
Contingent Liabilities 80,303.76 17,06,949.91 9,71,097.60

SWOT ANALYSIS OF HDFC BANK LIMITED

Strength

HDFC financial institution has 5326 branches and 14996 ATMs and is the second one biggest personal
financial institution in India.

HDFC financial institution operates in 2825 Indian towns and has greater than 800 phone banking places
to provider clients.

The financial institution’s ATM is to be had in Plus/cirus, Visa Electron/ Maestro, Visa/Master, and
American Express home and global cards. That’s additionally any other motive why the maximum well-
known card for purchasing and on line purchases is HDFC cards.

In assessment to different personal banks, HDFC Bank has a excessive diploma of client loyalty.

HDFC has a low turnover price and is one of the quality locations to paintings withinside the personal
banking industry.

HDFC has many reputation and awards via way of means of numerous monetary rating establishments
including Dun and Bradstreet, Financial Express, Euromoney awards for innovation, Finance Asia united
states of america awards, etc., it has won ‘Best Bank’ awards.

HDFC has massive variety monetary advisors guiding clients for desirable funding options.

Financial role: HDFC Bank has a strong monetary role with consecutive profits over the past five years,
at the side of gathered profits reserves that may be used to fund capacity capital spending.

Has a huge asset base supplying extra solvency.

Return on Capital Expenditure: In the beyond, HDFC Bank turned into capable of correctly produce
fantastic returns at the capital expenditure it spent on one-of-a-kind ventures.

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Trained Workforce: HDFC has a worker base of 104154 everlasting complete time employees. HDFC
Bank has invested closely in its group of workers training, which has ended in it hiring a great variety of
expert and encouraged workers.

Has a various group of workers, with human beings of many ethnic, racial, cultural and academic
backgrounds who assist the employer convey in numerous thoughts and methodologies to do things.

Revenue of HDFC Bank is 21 US billion Dollars.

Has skilled and licensed capable teamworkers.

Entering new markets: Creative groups from HDFC Bank have helped it to give you new merchandise
and attain new markets. In the beyond it turned into successful, in maximum of the tasks it took in new
markets.

Social Media: HDFC Bank has a robust social media presence with over tens of thousands and thousands
of fans at the 3 maximum distinguished social networking platforms : Facebook , Twitter and Instagram.
It has a excessive diploma of client engagement with low client reaction time on the ones channels.

Website: HDFC Bank has a well-functioning and attractive internet site that draws a massive quantity of
visitors and income at the internet.

Product Portfolio: HDFC Bank has a huge choice of services and products.

HDFC Bank’s geography and vicinity supply it a price gain in serving its clients compared with the
competition. HDFC Bank services and products inclusive of retail banking, wholesale banking,
vehiclemobile loans, treasury, private loans, two-wheeler loans, loans in opposition to property, way of
life loan, patron long lasting loan, pand credit score cards.Payzapp and SmartBUY are HDFC Bank
virtual merchandise.

Weaknesses

withinside the SWOT evaluation of HDFC Bank – HDFC Bank SWOT Analysis

HDFC financial institution has no desirable presence in rural markets, in which its direct competitor is
increasing withinside the rural marketplace as ICICI financial institution.

In rural areas, HDFC does now no longer experience first-mover privileges. With admire to banking
establishments, rural citizens are hard-center loyalists.

HDFC lacks strategies for powerful marketing, including ICICI.

The financial institution particularly works on excessive give up consumers.

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Any of the commodity companies withinside the financial institution lack overall performance and feature
little or no marketplace presence.

HDFC’s proportion expenses often fluctuate, inflicting buyers to experience confused.

Opportunities

withinside the SWOT evaluation of HDFC Bank – HDFC Bank SWOT Analysis

HDFC banks have more potent standards of asset pleasant than authorities banks, so it's far feasible that
profits increase will accelerate.

Big establishments and SMEs are growing at a completely fast price. In phrases of dealing with company
revenue accounts, HDFC has a robust record.

HDFC Bank has multiplied its portfolio of terrible money owed and, relative to authorities banks, the
healing of terrible money owed is excessive.

HDFC has truly desirable distant places opportunities.

Greater scope because of an awesome monetary position for investments and strategic partnerships.

Threats withinside the SWOT evaluation of HDFC Bank – HDFC Bank SWOT Analysis

The non-appearing assets (NPA) of HDFC rose from 0.18% to 0.20%. While it's far a small improvement,
it isn't a fantastic indication for the financial institution’s monetary health.

Non-banking monetary corporations and banks of the cutting-edge technology are growing in India.

The HDFC is not going to growth its marketplace proportion while a great undertaking is levied via way
of means of ICICI.

In order to address personal banks , authorities banks are in search of to restructure.

RBI has spread out to 74% to make investments withinside the Indian marketplace for distant places
banks.

SHORT TERM FINANCE SOURCES OF THE HDFC AND PEER BANKS

The short term finance sources of the hdfc and other peer banks doesn’t available in the
websites, because this short term loans mainly provided by the banks only , companies

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will take the short term sources so bank can’t have this short term sources that why I
didn’t add that in the my analysis.

REFERENCES
https://economictimes.indiatimes.com/hdfc-bank-ltd/shareholding/companyid-9195.cms
https://www.hdfcbank.com/personal/about-us/stakeholders-information/shareholding-ownership
https://www.business-standard.com/article/finance/hdfc-to-raise-up-to-rs-130-billion-through-preference-
shares-qip-118011300376_1.html
https://www.moneycontrol.com/company-facts/hdfcbank/dividends/hdf01
https://www.goodreturns.in/company/hdfc-bank/capital-structure.html
https://www.business-standard.com/company/hdfc-bank-4987/information/company-history
https://www.ndtv.com/business/stock/hdfc-bank-ltd_hdfcbank
https://economictimes.indiatimes.com/topic/HDFC-Bank-Debentures
https://www.moneycontrol.com/financials/hdfcbank/consolidated-balance-sheetVI/HDF01#HDF01
https://ycharts.com/companies/HDB/total_long_term_debt
https://www.topstockresearch.com/INDIAN_STOCKS/BANKS/BalanceSheetOfHDFC_Bank_Ltd.html
https://www.financialexpress.com/market/stock-market/hdfc-bank-ltd-stock-price/financials-balance-
sheet/
https://finbox.com/NYSE:HDB/explorer/retained_earn
https://economictimes.indiatimes.com/markets/bonds/hdfc-bank-raises-rs-5000-cr-via-bonds/
articleshow/86567907.cms
https://economictimes.indiatimes.com/markets/bonds/hdfc-to-raise-up-to-rs-7000-cr-by-issuing-bonds/
articleshow/82948989.cms
https://economictimes.indiatimes.com/markets/stocks/news/hdfc-raises-rs-3693-crore-via-ncds/
articleshow/77470060.cms
https://economictimes.indiatimes.com/markets/stocks/news/hdfc-to-raise-rs-14000-crore-via-qip-
warrants/articleshow/77370313.cms

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https://economictimes.indiatimes.com/markets/bonds/hdfc-plans-to-raise-up-to-rs-1-25-lakh-crore-in-1-
year/articleshow/76756399.cms
https://economictimes.indiatimes.com/state-bank-of-india/capitalstructure/companyid-11984.cms

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