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    Business Diversification

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    Rajat Mishra
    This document discusses business diversification strategies at three major private sector banks in India - ICICI Bank, Kotak Mahindra Bank, and HDFC Bank. It provides an overview of each bank's key business areas including retail, wholesale, and treasury operations. Financial highlights and key ratios for revenues, profits, and other indicators are presented for each bank. The document also compares performance indicators between the three banks and includes a bibliography of annual reports from each bank.

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    Business Diversification

    Uploaded by

    Rajat Mishra
    30 views20 pages
    This document discusses business diversification strategies at three major private sector banks in India - ICICI Bank, Kotak Mahindra Bank, and HDFC Bank. It provides an overview of each bank's key business areas including retail, wholesale, and treasury operations. Financial highlights and key ratios for revenues, profits, and other indicators are presented for each bank. The document also compares performance indicators between the three banks and includes a bibliography of annual reports from each bank.

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    analysis of private scheduled commercial banks

    Original Title

    business diversification

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    This document discusses business diversification strategies at three major private sector banks in India - ICICI Bank, Kotak Mahindra Bank, and HDFC Bank. It provides an overview of each bank's key business areas including retail, wholesale, and treasury operations. Financial highlights and key ratios for revenues, profits, and other indicators are presented for each bank. The document also compares performance indicators between the three banks and includes a bibliography of annual reports from each bank.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    30 views20 pages

    Business Diversification

    Uploaded by

    Rajat Mishra
    This document discusses business diversification strategies at three major private sector banks in India - ICICI Bank, Kotak Mahindra Bank, and HDFC Bank. It provides an overview of each bank's key business areas including retail, wholesale, and treasury operations. Financial highlights and key ratios for revenues, profits, and other indicators are presented for each bank. The document also compares performance indicators between the three banks and includes a bibliography of annual reports from each bank.

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    BUSINESS

    DIVERSIFICATION IN
    PRIVATE BANKS
    RAJAT MISHRA (8801)
    SHARMISHTHA PADNE (8802) 1
    Business Diversification - Concept and Meaning

    Business approaches in banks


    ICICI Bank
    ● Key Business Areas
    ● Financial Highlights
    TABLE OF ● Key Ratios

    CONTENTS Kotak Mahindra Bank


    ● Key Business Areas
    ● Financial Highlights
    ● Key Ratios

    HDFC Bank
    ● Key Business Areas
    ● Financial Highlights
    ● Key Ratios

    Performance Indicators
    BIbliography 02
    ❖ ICICI BANK

    ❖ KOTAK MAHINDRA BANK

    ❖ HDFC BANK

    PRIVATE SECTOR BANKS

    3
    BUSINESS
    DIVERSIFICATION
    Diversification is a strategy used to expand market
    share or enter new markets by launching or acquiring
    new products. It allows a company to grow by
    expanding market share in an existing market or by
    developing a market presence. In essence,
    diversification involves innovation and market
    disruption
    4
    BUSINESS APPROACH IN KEY AREAS

    Retail Wholesale Treasury


    the business caters to: Business focus on Custodian of banks liquid
    ➔ individual borrowers institutional customers: assets and maneges interest
    ➔ Micro and small ➔ Large corporates rate risks.
    businesses ➔ Public sector entities
    ➔ NRIs ➔ Infrastructure Finance
    ➔ Self help groups groups

    ● Loan products ● Commercial banking ● Foreign exchange


    ● Deposit products ● Transactional banking ● Derivatives
    ● Other products and ● Investment Banking ● Statutory reserve 5
    services management
    ICICI BANK
    ❏ ICICI was formed in 1955 and incorporated in
    1994 by ICICI Limited
    ❏ Total Branches - 5,266
    ❏ 14,136 ATMs
    ❏ Number of employees - 97,356
    ❏ 2,713 Cash acceptance machines
    ❏ Global Network with ICICI 16 subsidiaries (Group
    companies) across 17 countries

    6
    Key business areas
    ● Rs.15.74 trillion Consolidated Total Assets
    ● Rs.161.93billion Profit After Tax
    ● 55% Retail Portfolio as a proportion of total portfolio
    ● 20% growth in retail loans
    ● Small and Medium Enterprises (SME) portfolio comprises exposures to companies with a turnover of
    up to Rs.2.50 billion.
    ● The Bank is the leader in electronic toll collection transactions done through FASTag
    with a 35.5% market share by value at the end of fiscal 2021.
    ● 90% Digital transactions

    7
    Financial highlights

    8
    Key ratios

    9
    KOTAK MAHINDRA BANK
    ▪ Incorporated in 1985
    ▪ Total branches- 1603
    ▪ The bank has 19 subsidiaries
    ▪ CSR expenditure 85.20 cr
    ▪ Rural initiative of financial inclusion

    10
    Key business areas

    11
    Financial Highlights

    12
    Key ratios

    13
    HDFC BANK

    ▪ Incorporated in 1994
    ▪ Total Branches- 5608
    ▪ CSR expenditure - 635 cr
    ▪ Star performer for disbursing credit under ECLGS
    scheme
    ▪ Rural initiatives- Parivartan portal

    14
    Key business areas

    15
    Financial Highlights

    16
    Key Ratios

    17
    PERFORMANCE INDICATORS (COMPARISON)

    18
    BIBLIOGRAPHY
    ICICI BANK ANNUAL REPORTS:-
    ● https://www.icicibank.com/aboutus/Annual-Reports/2019-20/AR/index.html
    ● https://www.icicibank.com/managed-assets/docs/investor/annual-reports/2021/ICICI-Bank-Annual-Report-FY2021.
    pdf

    KOTAK MAHINDRA BANK ANNUAL REPORTS:-


    ● https://www.kotak.com/content/dam/Kotak/investor-relation/Financial-Result/Annual-Reports/FY-2020/kotak-mahi
    ndra-bank/Kotak_Mahindra_Bank_Limited_FY20.pdf
    ● https://www.kotak.com/en/investor-relations/financial-results/annual-reports.html

    HDFC BANK ANNUAL REPORTS:-


    ● https://www.hdfcbank.com/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/1bcf4f2c-17cc-475
    9-9081-dcc0f5beeb60
    ?
    ● https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/About%
    20Us/Investor%20Relation/annual%20reports/pdf/HDFC-Bank-Integrated-Annual-Report-2020-21.pdf

    19
    THANK
    YOU

    20

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