Documentos de Académico
Documentos de Profesional
Documentos de Cultura
investors
rely
on
the
financial
statement
to
judge
the
performanceof the bank and ensure that these statements are correct,
complete, consistent and comparable. The accuracy of the financial
statement can be identified from the report of the auditors. The
financial statement analysis can be used by investors for deciding
about their investments. The financial institutions also use these
statements while granting loans to the banks. The debenture holders,
creditors, employees and government can also use the financial
statements for different purposes.
The bank itself and outside providers of capital creditors and
investors all undertake financial statement analysis. The type of
analysis varies according to the specific interests of the party involved.
Creditors are primary interested in the liquidity of a bank. Their claims
are short term, and the ability of the bank to pay these claims quickly
OBJECTIVES
HDFC Bank is a young and dynamic bank, with a youthfuland enthusiastic
team determined to accomplish the vision ofbecoming a world-class
Indian bank.
Banks business philosophy is based on four core values- Customer Focus,
Operational Excellence, ProductLeadership and People. Bank believes that
the
ultimateidentity
and
success
of
bank
will
reside
in
the
RESEARCHMETHODOLOGYTOBEUSEDFORCARRINGOUT
THESTUDYDEALINGNATUREOFDATA
Increase banks market share in Indias expanding
bankingand financial services industry by following a
disciplinedgrowth strategy focusing on quality and not on
quantity anddelivering high quality customer service.
Leverage technology platform and open scalable systems
todeliver more products to more customers and to
controloperating costs.
Maintain current high standards for asset
throughdisciplined credit risk management.
quality
2.1STATEMENTOFTHEPROBLEM
Banks total Capital Adequacy Ratio (CAR) calculated in line with the
Basel II framework stood at 17.4%, well above the regulatory minimum
of 9.0%. Of this, Tier I CAR was 13.3%.
2.2SCOPEOFTHESTUDY
Thistopicoftheprojectismainlyconcernedwithdepositsection.Themain
areacoveredunderthisisthestudyofvariousschemesofferedbyHDFC
bankswithdifferentinterestratesandbenefitstoattractdepositamount.
2.3NEEDFORTHESTUDY
ThestudyhasbeenfocusedtowardshowHDFCbanksattractfundsfromthe
investors.Thevariousmethods,interestratesofferedbydifferentbanksto
havetheirownuniquenesshasbeenneededforthisstudy.
2.4OBJECTIVESOFTHESTUDY
Themainobjectivesofthestudyareasfollows:
Tofindoutthevariousschemesofferedbynationalizedbanks
formobilizingdeposits.
Tofindoutthesavingsandinvestmentmodesofferedbybanks.
Tostudythepatternandacceptanceofdeposits.
Toknowwhichdepositschemeisreallyperformingwell..
Secondarydata:
Secondarydatameansdatathatarealreadyavailablethatistheyrefertothe
datawhichhavebeencollectedandanalyzedbysomeoneandcansavethe
timeoftheresearcher.
Secondary data may be available in the form of company records, trade
publications,librariesetc.Thesecondarydatasourcesare:
.1a.companyreports.
.2b.Dailynewspapers.
.3c.Articles.
.4d.Brochuresandtextbooks.
.5e.Internet(variouswebsites).
Primarydata:
Primarydataarethosewhicharecollectedforthefirsttime.Primarydatais
collectedbyinterviewingcertainemployees,managerswhowerechosenon
thebasisoftheirindepthknowledgeandworkexperienceinthebank.The
interviewwasinformalinnaturetogainasmuchaspossible.
FIELDWORK
Initialfieldworkisdoneforpretestingtoolsfordatacollection,suchas
observationsandinterviewscheduleandmeasurementscales.Themainfield
workislaunchedafterthetoolsarereadyforuse.
DATAANALYSISTOOLSUSED
Inthisresearchthedataanalysistoolsusedarepercentagesandgraphs.The
variousattributeswereanalyzedseparatelyandtheimportancetoeachwas
calculated on basis of the percentage. The rank having the maximum
percentagewastakentobepreferredimportancetotheparticularattribute.
After having looking at each attribute separately, all the attributes were
consideredtogethertodevelopamaponthemostpreferredrankforallthe
attributes.
In the present project the field work consists of going to libraries for
theoreticalaspectsandbrowsingthroughnetforvariousschemesofferedby
differentnationalizedbanksandalsovisitingbanksforcertainclarification.
THEEXECPTEDCONTRIBUTIONOFTHESTUDY
Asystematicanddetailedstudyofthedepositmobilizationwasundertaken
withrespecttonationalizedbanks.Thisreporthasbeenexplainedinfive
chapters.
ChapterI
This chapter highlights the general introduction and the theoretical
backgroundofthestudy.Thisgivesabriefidearegardingtheproject.
ChapterII
Thischapterstatestheresearchdesign,sourcesofdata,statementofthe
problem, field work, data collection instruments, scope of the study,
objectives of the study, need for the study, limitations of the study, an
overviewofthereport.
ChapterIII
Thischapterthrowslightontheprofileoftheindustry,theprofileofthe
organization.
ChapterIV
Inthis chapter, thedata collected is compiled,tabulated, processed and
analysed. Graphs areshown tomakethefindings.Brief introductionof
eachdepositanditsanalysisofthedatahasbeengiven
ChapterV
Conclusions are prepared on the basis of the analyzed data and certain
recommendationshavebeenaddedwhichcanbehelpfulforthecompanyto
improvetheirperformance.
LIMITATIONSOFTHESTUDY
The information given in the above part is based on market survey, meeting with
the people, and phone calls, and the other medium like internet and browser of
HDF. My project is based upon the interaction with the people for the purpose of