Swot Analysis Of Hdfc Bank

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Rural Banking Strategies:- The growth potential of the Indian rural population is increasing and by 2015, about 150 million people are expected to experience products and services at par with the urban population. HDFC bank has used this opportunity and developed a blend of unique models and strategies for accessing the needs of the local population. Some models are ‘Hub and Spoke model’ to extend services for unbanked and remote locations, ‘Grameen model’ to bring easily reachable rural bank branch. Through the ecosystem-oriented strategy, HDFC bank actively collaborated with Punjab Grains Procurement Corporation (PUNGRAIN) and provided card based infrastructure to the farmers, and for dairy farming centric areas provided “milk ATMs“.…show more content…
The products ranges in various segments such as loan products, deposit products, commercial banking, investment banking and treasury products. This provides an added advantage for the bank compared to its competitors and takes a longer time for the other banks to build such a huge portfolio of products. Brand Reputation :- Being the leading private sector bank in India, HDFC mainly focused on providing world-class banking solutions for its customers through product quality and service excellence. HDFC has been appreciated both nationally and internationally for satisfying the customer conveniences. HDFC bank has been listed in the Forbes Asia’s Fabulous 50 companies for the eighth year. Additionally, HDFC bank has emerged as the most valued brand in India with a value of $9.4 billion. These brand reputation gained over the years has built a competitive advantage. Largest ATM services :- “Never too far from your money” is the strategy focused by HDFC and expanded its ATM services across length and breadth of the country. HDFC ATMs allow 40% faster cash transactions than other Banks ATMS. Personalised Cash Withdrawals is the unique feature of the HDFC ATMs. These services are highly valuable for the company but can be easily imitated by the…show more content…
Exhibit 1 shows the analysis of the Profit After Tax and Profit Before Tax for HDFC for the last five years. On examining the graph, we can conclude that the net profit of the bank stand reduced. This is mainly because of the impact of the tax . The dividend payout ratio for the bank is overall stable, i.e, increased by 9% in the last five years and shown 1.6% increase in the last three years. This clearly shows that the a solid dividend policy has been laid out by the bank’s management. The dividend-pay out ratio for the last five years is shown in the exhibit 2. PAT and PBT for last five years Dividend Payout

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