Hdfc company profile

hdfc ltd presentation

1. PRESENTED BY: SMITA WELING SONIA DATTA

2. HDFC is a leading provider of Housing Finance in India. Housing Development Finance Corporation Limited (HDFC Ltd.) incorporated by Mr. H. T. Parekh in 1977 as India’s  rst retail mortgage  nance company with the primary objective of meeting a social need of encouraging home ownership by providing long-term finance to households. Over the last four decades, HDFC has grown to become a multi-product financial conglomerate, diversifying itself into banking, life insurance, general insurance, asset management, real estate venture funding and education loans The principle business of the company is providing finance to individuals, corporates, developers and co-operative societies for the purchase, construction, development and repair of houses, apartments and commercial property in India.

3. Registered Office Ramon House, H. T. Parekh Marg, 169, Backbay Reclamation, Churchgate Mumbai - 400020 Maharashtra - India Phone : [phone] Fax : [phone] Email :  [email protected] Internet :  http://www.hdfc.com Corporate Office HDFC House, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai - 400020 Maharashtra - India Phone : [phone] Fax : [phone] Email :  [email protected] Internet :  http://www.hdfc.com

4. Extensive distribution network of 651 interconnected offices (including 206 offices of HDFC Sales) with outreach programs to several towns and cities all over India. 3 representative offices in Dubai, London and Singapore offering  Home Loan products to Non-Resident Indians  and Persons of Indian Origin. Enhanced distribution through HDFC Sales, HDFC Bank and third party Direct Selling Associates. PRESENCE

5. EXPERIENCE Pioneered Housing Finance in 1977. Cumulative housing unit financed :9 million Gross loans stood at Rs.6.2 trillion About 2.1 million Deposits Accounts A model private Housing Finance Company for developing countries with nascent Housing Finance markets. Undertaken several consultancy assignments in housing finance in various countries across Asia, Africa and East Europe.

6. Housing Loans Other Home Loan Products Home Loans Plot House Renovation Loans Loans Rural Home Extension Loans Housing Loans Top Up Loans Non Housing Loans Affordable housing Loan Against Property Loans HDFC Reach Loans Commercial Property Loans Pradhan Mantri Awas Yojana Commercial Plot Refinance Home Loan Balance Transfer NRI Housing Loans Other Locations Singapore Middle East United Kingdom PRODUCTS AND SERVICES

7. DEPOSITS OVERVIEW For over three and a half decades, HDFC has delivered consistent performance with its Fixed Deposits. Earned the trust of more than 6 lac depositors. Highest safety - AAA rating from both CRISIL and ICRA for 27 consecutive years. Attractive and assured returns. Impeccable service through a network of over 420 offices across the country. A wide range of deposits products to choose from. Prompt doorstep assistance through our key partner network. Quick Loan Against Deposit facility.

8. MAR 2020 JUN 2020 SEP 2020 DEC 2020 MAR 2021 Foreign Institutional Investors (FIIs) 70.88% 70.17% 70% 71.95% 72.78% Domestic institutional investors (DIIs) 17.84% 18.29% 18.45% 17.12% 16.13% Government 0.2% 0.22% 0.22% 0.22% 0.22% Public 11.08% 11.32% 11.33% 10.72% 10.88% Listing and Shareholding of HDFC Ltd.  Shareholding Pattern of HDFC Ltd. HDFC has a unique structure of being both, an operating company and a holding company. HDFC is a mortgage finance company and is also the holding company for investments in its subsidiary and associate companies.

9. BOARD OF DIRECTORS Mr. Deepak Parekh Chairman - HDFC Ltd. Mr. U. K. Sinha Independent Director Mr. Jalaj Ashwin Dani Independent Director Dr. Bhaskar Ghosh Ms. Ireena Vittal Mr. Rajesh Narain Gupta

10. Mr. P. R. Ramesh Non-Executive Director  Mr. V. Srinivasa Rangan Executive Director Ms. Renu Sud Karnad Managing Director Mr. Keki M. Mistry Vice Chairman & Chief Executive Officer BOARD OF DIRECTORS

11. GOVERNMENT REGULATORY/ INITIATIVES

12. 1. 2. 3. CSR ACTIVITIES

13. ESG INITIATIVES

14. Growth strategies Increase the Return On Equity each year in order to maximize shareholder value. Consistently grow the loan book. Maintain low Gross Non-Performing Assets (NPAs) Maintain a low cost to income ratio by improving operational efficiency.

15. KEY STRATEGIES

16. Strategy to Sustainability Financial Capital Strong balance sheet Shareholders’ funds Asset quality Diverse funding pro fi le Prudent lending practices Human Capital Professionally quali fi ed staff Skilled and experienced teams Focus on training Social & Relationship Capital Facilitate home ownership across all income segments & geographies Customer & community engagement Physical & Digital Capital Physical Infrastructure: 593 of fi c es Hub and spoke model, processing hubs, call centre, back offices processing units Enhanced delivery of digital services for customers Endeavour for local sourcing for offices requirements Intellectual Capital Organisational culture & values Brand synonymous with trust & quality service Home grown technology solutions Natural Capital Minimal consumption of natural resources Support and encourage green buildings The greatest intangible capital is corporate culture built on the principles of fairness, kindness, efficiency and effectiveness. HDFC tries to imbibe this in all spheres of their work.

17. Value Creation For Its Stakeholders

18. DRIVERS OF MORTGAGE GROWTH Improved affordability Low penetration Government incentives Enhanced fiscal benefits Credit linked subsidy scheme Other demand drivers

19. OTHER DEMAND DRIVERS Favourable Demographics : 66% of India’s population is below 35 years of age, hence large potential for home loans Nuclear Households : Rise in the number of households with a shift towards nuclear families Urbanisation : Currently 32% of the Indian population reside in cities; estimated to be 40% by 2030 Interest Rates : Improved affordability through rising disposable incomes and lowest ever interest rates on home loans

20. OPERATIONAL & FINANCIAL HIGHLIGHTS: MORTGAGES

21. Market Overview

22. PEER COMPARISON

23. FINANCIALS

24. T THANK YOU