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Swot Analysis Of Hdfc Bank

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3.2 DISTRIBUTION NETWORK:
As of 31st March 2015, the Bank’s distribution network was at 4,014 branches in 2,464 cities. All branches are linked on an online real time basis. The bank provide service to the customers through multiple delivery channels such as phone banking, net banking, Mobile banking and SMS based learning. The Bank also has a network of 11,766 ATMs across India. The Bank’s expansion plans hovers around few important factors like:
a. Presence in all industrial and commercial centres.
b. The bank focusses on covering the majority of customers be it the retail customers or the wholesale customers.
c. Analysing the marketing strategy of its competitors like ICICI Bank, Axis Bank.
d. Identifying of the differentiating factors from …show more content…

The bank has three key business segments:
a. Wholesale Banking: The Bank’s target market is primarily large, blue-chip manufacturing companies in the Indian corporate sector and to a lesser extent, small & mid-sized corporates and agri-based businesses. For these customers, the Bank provides a wide range of commercial and transactional banking services, including working capital finance, trade services, transactional services, cash management, etc. The bank also provides structured solutions which combines cash management services with vendor and distributor finance to facilitate superior supply chain management for its corporate customers.
b. Treasury: Within this business, the bank has three main product areas - Foreign Exchange and Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the liberalization of the financial markets in India, corporates need more sophisticated risk management information, advice and product structures. These and fine pricing on various treasury products are provided through the bank’s Treasury team. To comply with statutory reserve requirements, the bank is required to hold 25% of its deposits in government securities. The Treasury business is responsible for managing the returns and market risk on this investment …show more content…

c. Retail Banking: The objective of the Retail Bank is to provide its target market customers a full range of financial products and banking services, giving the customer a one-stop window for all his/her banking requirements. The products and services are provided through the growing branch network, as well as through alternate delivery channels like ATMs, Phone Banking, Net Banking and Mobile Banking. For achieving this objective, the HDFC Bank Preferred program for high net worth individuals, the HDFC Bank Plus and the Investment Advisory Services programs have been designed keeping in mind needs of customers who seek distinct financial solutions, information and advice on various investment avenues.
The Bank also has a wide array of retail loan products including Auto Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers. The bank also provide the services of debit and credit cards to promote cashless

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