HDFCHDFC(HOUSING DEVELOPMENT FINANCIAL (HOUSING DEVELOPMENT FINANCIAL

CORPORATION)CORPORATION)

Presented by:- Kamal Kant SoniPresented by:- Kamal Kant Soni

INMANTEC, GhaziabadINMANTEC, Ghaziabad

FOUNDER & CHAIRMANFOUNDER & CHAIRMAN

HASMUKHBHAI PAREKHHASMUKHBHAI PAREKH

It was incorporated in 1977 with the It was incorporated in 1977 with the object of enhancing residential object of enhancing residential housing stock and promote home housing stock and promote home ownership.ownership.

It providing specialized financial It providing specialized financial services to its customer base through services to its customer base through partnerships with some of the best partnerships with some of the best financial institutions worldwide. financial institutions worldwide.

SUBSIDIARIES & ASSOCIATE COMPANIESSUBSIDIARIES & ASSOCIATE COMPANIES

HDFC BANKHDFC BANK HDFC MUTUAL FUNDHDFC MUTUAL FUND HDFC STANDARD LIFE HDFC STANDARD LIFE

INSURANCEINSURANCE HDFC SALESHDFC SALES HDFC GENERAL INSURANCEHDFC GENERAL INSURANCE HDFC REALTYHDFC REALTY

HDFC BANKHDFC BANK

It was incorporated in august 1994 It was incorporated in august 1994 and has an nationwide network of and has an nationwide network of 761 branches & 1794 ATM’s in 327 761 branches & 1794 ATM’s in 327 indian towns and citiesindian towns and cities

HDFC MUTUAL FUNDHDFC MUTUAL FUND

HDFC Asset Management Company HDFC Asset Management Company Limited (AMC) was incorporated Limited (AMC) was incorporated under the Companies Act, 1956 on under the Companies Act, 1956 on Dec. 10, 1999, and was approved to Dec. 10, 1999, and was approved to act as an AMC for the HDFC Mutual act as an AMC for the HDFC Mutual Fund by SEBI vide letter dated July 3, Fund by SEBI vide letter dated July 3, 2000.2000.

In AMC, 60% shares was holded by In AMC, 60% shares was holded by HDFC & 40% by Standard Life HDFC & 40% by Standard Life Investments Limited Investments Limited

Products of AMCProducts of AMC

Equity / Growth FundEquity / Growth Fund Liquid FundsLiquid Funds Children’s Gift FundChildren’s Gift Fund Debt / Income FundsDebt / Income Funds Fixed Maturity PlanFixed Maturity Plan

HDFC Standard LifeHDFC Standard Life Insurance Insurance

HDFC Standard Life Insurance Company HDFC Standard Life Insurance Company Ltd. is one of India's leading private Ltd. is one of India's leading private insurance companies, which offers a insurance companies, which offers a range of individual and group insurance range of individual and group insurance solutions. It is a joint venture between solutions. It is a joint venture between HDFC Ltd., and a Group Company of the HDFC Ltd., and a Group Company of the Standard Life, UK. HDFC as on Standard Life, UK. HDFC as on December 31, 2007 holds 72.38 per December 31, 2007 holds 72.38 per cent of equity in the joint venture.cent of equity in the joint venture.

HDFC ERGO GENERAL HDFC ERGO GENERAL INSURANCEINSURANCE

ERGO is the primary insurance entity ERGO is the primary insurance entity of Munich Re Group, one of the world's of Munich Re Group, one of the world's leading risk carriers. ERGO is one of leading risk carriers. ERGO is one of the largest insurance groups in Europe the largest insurance groups in Europe and Germany and is Europe’s market and Germany and is Europe’s market leader in health and legal protection leader in health and legal protection insurance. 33 million clients in 25 insurance. 33 million clients in 25 countries place their trust in the countries place their trust in the services, competence and security it services, competence and security it provides. In the business year 2006, provides. In the business year 2006, ERGO Insurance Group had gross ERGO Insurance Group had gross premiums written of EUR 16.8bn and a premiums written of EUR 16.8bn and a consolidated result of EUR 906m.consolidated result of EUR 906m.

HDFC ERGOHDFC ERGO

HDFC ERGO brings insurance solution HDFC ERGO brings insurance solution that its customer rely on. Its offering that its customer rely on. Its offering are classified into three categories.are classified into three categories.

PERSONAL INSURANCEPERSONAL INSURANCE ACCIDENT & HEALTH INSURANCEACCIDENT & HEALTH INSURANCE COMMERCIAL INSURANCECOMMERCIAL INSURANCE

HDFC RealtyHDFC Realty

HDFC Realty is a wholly owned HDFC Realty is a wholly owned subsidiary of HDFC. We have subsidiary of HDFC. We have assisted individuals in acquiring assisted individuals in acquiring homes valued at 5000 million homes valued at 5000 million rupees.rupees.

It has a team of real estate It has a team of real estate professionals facilitating Buying, professionals facilitating Buying, Selling or Leasing of Residential / Selling or Leasing of Residential / Commercial property.Commercial property.

SOCIAL INITIATIVESOCIAL INITIATIVE A widely quoted definition by the World A widely quoted definition by the World

Business Council for Sustainable Business Council for Sustainable Development states that 'Corporate Social Development states that 'Corporate Social Responsibility (CSR) is the continuing Responsibility (CSR) is the continuing commitment by business to behave ethically commitment by business to behave ethically and contribute to economic development and contribute to economic development while improving the quality of life of the while improving the quality of life of the workforce and their families as well as of workforce and their families as well as of the local community and society at large'. the local community and society at large'. Although the term 'CSR' is of relatively Although the term 'CSR' is of relatively recent vintage, it is this commitment, that recent vintage, it is this commitment, that HDFC has exemplified with zeal, HDFC has exemplified with zeal, perseverance and enthusiasm since its perseverance and enthusiasm since its nascent years.nascent years.

Shelter Assistance ReserveShelter Assistance Reserve

The year saw the utilisation of the Shelter The year saw the utilisation of the Shelter Assistance Reserve towards a wide array of Assistance Reserve towards a wide array of

development projects across the country. The development projects across the country. The Reserve supported close to 160 nonprofits and Reserve supported close to 160 nonprofits and

development organisations with the overall development organisations with the overall utilisation at Rs. 4.68 crore. The segment-wise utilisation at Rs. 4.68 crore. The segment-wise break-up of the utilisation is highlighted in the break-up of the utilisation is highlighted in the

chart below:chart below:

some deployment of the some deployment of the SHELTER ASSISTANCE RESERVESHELTER ASSISTANCE RESERVE

The poona school & home for the The poona school & home for the blindblind

VidyaVidya Nanhi kaliNanhi kali SaathiSaathi prayasprayas

Awards & AccoladesAwards & Accolades

HDFC scored a rating of 4 out of 5 at HDFC scored a rating of 4 out of 5 at the Karmayog Corporate Social the Karmayog Corporate Social Responsibility Ratings – 2007Responsibility Ratings – 2007

Best 'Investment Management Best 'Investment Management Company’Company’

HDFC ranked 3rd Asian Banking and HDFC ranked 3rd Asian Banking and Finance SectorFinance Sector

Ranked 3rd: 'Highest Return on Equity’Ranked 3rd: 'Highest Return on Equity’ Ranked top 3 Best Managed CompaniesRanked top 3 Best Managed Companies

HDFC INVESTMENTHDFC INVESTMENT

MARKET COMPETITORS MARKET COMPETITORS

STRENGTHSSTRENGTHS

HDFC has a vast variety of servicesHDFC has a vast variety of services Fastest growing company in Asia in Fastest growing company in Asia in

housing financial corporations housing financial corporations Vast client base of borrowers, Vast client base of borrowers,

depositors, shareholders and agents.depositors, shareholders and agents. Strong network with world’s best Strong network with world’s best

institutions for providing specialized institutions for providing specialized financial services financial services

WEAKNESSESWEAKNESSES

Less oriented for employeesLess oriented for employees Hidden chargesHidden charges Low network in rural areasLow network in rural areas Lack of coordination between Lack of coordination between

subsidiariessubsidiaries Due to this, companies like HDFC Due to this, companies like HDFC

ERGO & STANDARD LIFE is ERGO & STANDARD LIFE is continuously going into loss.continuously going into loss.

WELCOME FOR WELCOME FOR SUGGESTIONSSUGGESTIONS