ANALYSIS OF BUSINESS ENVIRONMENT OF TOP 5 BANKS IN PRIVATE SECTOR

Presented By
SUJATA DONGRE LEOCA TAVADIA SUJATA GOKULE PANKAJ MANRAL DHARMIN JHURMARWALA MF-11- 13 MF-11- 42 MI -11- 04 MF-11- 24 MF-11- 19

Evaluate the objectives so that they remain relevant

HOW TO ANALYZE BUSINESS ENVIRONMENT ?

There are Five Techniques Balance scorecard
Use the organization's mission and strategy
to identify the key objectives

Quantify the objectives Plan how to make sure these objectives can
be achieved.

Review the results Evaluate the objectives so that they remain

relevant

Portfolio Analysis
This technique is devised by Boston Consulting Group which is know as BCG matrix

The general idea is that you drop

the dog, milk the cash cows, develop the problem child and sustain the stars.

Stakeholder Analysis Matrix Template

Stakeholder analysis
Stakeholder Analysis Matrix

Identify the specific stakeholder group

Stakeholder contriution What they want Importance & Infuence Expectations

Decide their contribution or connection

to the organisation.

Identify their wants from the organisation. Consider the importance and influence of
each of the stakeholder.

Suggest how you can best meet the

demands of the stakeholder bearing in mind their importance.

Porter's Five Forces

Five Forces Analysis assumes that there are five important forces that determine competitive power in a business situation.

Ansoffs matrix
Market Penetration Market Development Product Development Diversification

3 PRIVATE SECTOR BANKS IN INDIA

INTRODUCTION

HDFC Bank Limited is an Indian financial services company based in Mumbai, incorporated in
August 1994.

It is the largest bank in India by assets , the second largest bank by market capitalization and
first in Private sector banks as on February 24,2012.

The bank was promoted by the Housing Development Finance Corporation , a premier housing
finance company set up in 1977 in India. BUSINESS FOCUS

HDFC Bank deals with three key business segments i.e. Wholesale Banking Services, Retail
Banking Services, Treasury.

It has entered the banking industry for over 50 corporates providing working finance, trade
services, corporate finance, and merchant banking.

It is also providing sophisticated product structures in areas of foreign exchange and

derivatives, money markets and debt trading And Equity research.

ANALYSIS OF HDFC BANK BY PORTER FIVE FORCES ANALYSIS TECHNIQUE

FINANCIAL HIGHLIGHTS FOR QUARTER ENDED AS ON JUNE 2012 OF HDFC BANK

NET PROFIT UP BY 30.6% TO ` 14.2 BN GROSS ADVANCES INCREASED BY 21.4% TO ` 2,148 BN DEPOSITS UP 22.0% TO ` 2,575 BN CASA RATIO AT 46.0% NET INTEREST MARGIN AT 4.3% CORE COST-TO-INCOME RATIO AT 49.2% GROSS NPA / GROSS ADVANCES AT 1.0% NET NPA / NET ADVANCES AT 0.2% CAPITAL ADEQUACY RATIO (CAR) - TOTAL 15.5% OF WHICH TIER I AT 10.9

Mr. Uday S. Kotak Executive Vice Chairman and Managing Director Kotak Mahindra Bank an Indian financial services firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a nonbanking financial company.

ANALYSIS OF KOTAK MAHINDRA BANK BY BALANCE SCORECARD TECHNIQUE

FINANCIAL HIGHLIGHTS FOR QUARTER ENDED AS ON JUNE 2012 OF KOTAK MAHINDRA BANK

Net profit up by 12% to ` 282cr

Gross advances increased by 31% to ` 42318cr Deposits up 36% to 41632 CASA ratio at 34% Net Interest Margin at 4.75% Core Cost-to-income ratio at 42% Gross NPA / gross advances at 1.34% Net NPA / net advances at 1.4% Capital adequacy ratio (CAR) - total 17.5% of which tier I at 16.6%

YES BANK IS A PRIVATE BANK IN INDIA. IT WAS FOUNDED BY ASHOK KAPUR AND RANA KAPUR, WITH THE DUO HOLDING A COLLECTIVE FINANCIAL STAKE OF 27.16%. YES BANK HAS RECEIVED SIGNIFICANT NATIONAL AND INTERNATIONAL RECOGNITIONS WHICH INCLUDE MR. RANA KAPOOR, FOUNDER, MD & CEO BEING RECOGNIZED AS THE ENTREPRENEURIAL BANKER OF THE DECADE (2001-2010) BY BOMBAY MANAGEMENT ASSOCIATION , INDIA'S NO. 1 NEW PRIVATE SECTOR BANK IN THE FINANCIAL EXPRESS-E&Y BEST BANKS SURVEY 2010, INDIA'S FASTEST GROWING BANK OF THE YEAR AT THE BLOOMBERG UTV FINANCIAL LEADERSHIP AWARDS 2011 . YES BANK HAS BECOME THE FIRST INDIAN BANK, AND THE THIRD ONE GLOBALLY IN THE BANKING INDUSTRY TO RECEIVE CERTIFICATION FOR ITS 'COMPLAINTS MANAGEMENT SYSTEM (ISO 10002:2004)' BY THE BRITISH STANDARD'S INSTITUTION (BSI) AS ON AUGUST 25, 2010 . THE BANK WAS ALSO AWARDED THE ISO 27001:2005 CERTIFICATION FOR ITS 'INFORMATION SECURITY MANAGEMENT SYSTEM' BY BSI . IN 2010, THE BANK ANNOUNCED THE ROLL-OUT OF A STRATEGIC BLUEPRINT, NAMED VERSION 2.0 OF THE BANK, TO FURTHER ACCELERATE ITS BUSINESS GROWTH IN THE RETAIL BANKING SPACE, WITH THE OBJECTIVE TO ACHIEVE BY 2015, A BALANCE SHEET SIZE OF RS.1,50,000 CRORE, DEPOSITS OF 125,000 CRORE, ADVANCES OF 100,000 CRORE, A PAN INDIA NETWORK OF 750 BRANCHES AND A HUMAN CAPITAL BASE 12,000 BY 2015.

Stakeholder Analysis Matrix Template

ANALYSIS OF YES BANK BY STAKEHOLDER ANALYSIS TECHNIQUE

Stakeholder Analysis Matrix

Stakeholder

contriution

What they want

Importance & Infuence

Expectations

FINANCIAL HIGHLIGHTS FOR QUARTER ENDED AS ON JUNE 2012 OF YES BANK

Advances at ` 385.3 billion as at June 30, 2012; growth of 16.4% y-o-y Customer Assets (loans and credit substitutes) at ` 493.4 billion as at June 30, 2012; growth of 32.4% Deposits at ` 502.1 billion as at June 30, 2012; growth of 15.2% y-o-y Gross yield on advances of 12.4% in Q1FY13 (11.6% in Q1FY12) Cost of funds of 9.0% in Q1FY13 (8.5% in Q1FY12) CASA Ratio of 16.3% as of June 30, 2012; with CASA growth of 71.5% over Q1FY12 Retail Banking Liabilities (CASA + Retail Banking FDs) has improved to 37.3% of Total Deposits as of June 30, 2012 from 27.2% last year Gross NPA at 0.28% of Gross Advances (` 1,095 million); Net NPA at 0.06% of Net Advances (` 237 million) Restructured Advances at 0.51% (` 1,965 million) of Gross Advances, remaining stable sequentially Total loan loss coverage ratio of 295%; Specific loan loss coverage ratio of 78.3% as at June 30, 2012 Total Capital Funds (Tier I + Tier II) of ` 94.9 billion as at June 30, 2012 (` 70.9 billion as at June 30,2011)

Thank You