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    PESTEL HDFC Bank

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    mohammadadil.mustafai21
    Pestel analysis

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    PESTEL HDFC Bank

    Uploaded by

    mohammadadil.mustafai21
    4 views1 page
    Pestel analysis

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    Pestel analysis

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    4 views1 page

    PESTEL HDFC Bank

    Uploaded by

    mohammadadil.mustafai21
    Pestel analysis

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 1

    PESTEL HDFC Bank

    Political:
     the introduction of SDF and the RBI reverting to a pre-pandemic policy corridor of 50 basis points with a lower
    bound SDF and the upper bound MSF. HDFC is confident that the policy measures are supportive and at this time
    provide impetus for continuous growth.
    Economic:
     We are further expanding our distribution network through partnership with Airtel Payments Bank, India Post
    Payments Bank and Manipal Business Solutions we have approximately 60 million, 50 million, 30 million
    customers under their ambit respectively and can provide access to that. Cost-to-income ratio for the quarter was at
    38%.
     Gross Stage 3 stood at 4.99 down from 6.05 from the sequential quarter comparison. This includes an impact of
    1.27% on account of new RBI guidelines issued in November 2021
    Social:
     During the quarter we added 7,167 people, for the year we added 21,486 people, which is an all-time high to get
    the people ahead on the productivity curve as economy accelerates.
     HDFC opened about 2.4 million new liability relationships during the quarter and 8.7 million new liability
    relationships during the year exhibiting a phenomenal growth of 25% over prior year thus enabling the
    broadbasing and deepening relationships.
    Technological:
     Significant inroads are being made through initiatives such as customer experience app PayZapp, which is a
    revamped payment on wallet experience and refreshed offerings for MSME and wealth management customer
    base.
     Initiatives such as DR resiliency and our hybrid cloud strategy continue to fortify our IT infrastructure and
    architecture backbone.
     In Q4 we received a total of 234 million visits on our website averaging 29 million unique customers per month,
    Close to 57% of the visits were through mobile device indicating the mobile simplicity of the footfalls.
    Environmental:
     HDFC’s asset mix is shifted towards higher rated segments during the COVID period albeit at lower yield. As a
    result NII growth has been lower, but with a corresponding offset in credit cards which are lower than the
    historical average.
    Legal:
     Our progress over the past year has resulted in lifting of the restrictions on the new card acquisitions in August
    2021 followed by the removal of the embargo on digital 2.0 programs in March 2022.

    NAMES
     Edelweiss.
     Goldman Sachs
     Citigroup
     Axis capital
     Sagar Joshi Individual Investor
     CLSA
     JP Morgan

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