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SYNOPSIS

TOPIC OF THE PROJECT :


A STUDY ON FINANCIAL ANALYSIS OF HDFC BANK IN SAGAR CITY

RATIONAL OF THE STUDY


Financial statement analysis is very helpful in spanning banks internal
operations and its relations with the outside world. Therefore, the
financial information must be organized into an understandable,
coherent and sufficiently limited set of data. Data from the financial
statement analysis can be used to quickly calculate and examine
financial ratios. An attempt has been made here to analyse the
financial statements of HDFC Bank.
The

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

is best judged by an analysis of the banks liquidity. The claims of bond


holders, on the other hand, are long term. Accordingly, bond holders
are more interested in the cash flows ability of the bank to service
debt over a long period of time.

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

exceptionalquality of our people and their extraordinary efforts. For


thisreason, bank is committed to hiring, developing, motivatingand
retaining the best people in the industry.

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

Develop innovative products and services that attract


targeted customers and address inefficiencies in the
Indianfinancial sector.

Continue to develop products and services that reduce


costof funds.
Focus on high earnings growth with low volatility.

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

recruitment of Financial Consultant. My study is totally based on the perception


of the people that what they think about the insurance when someone offer him
to work in the insurance sector. I analyze that the person who is needy for
money, greedy about fast life and believes in speed join insurance because this
sector gives you a platform for unlimited earning and life time earning like life
time validity in mobile phone.

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