HDFC Bank Complete Fundamental Analysis Model

Description
Note: This model is different from my other models. It is only a graphical template for visualization of data and does not include any formulas.

HDFC Bank is India's largest private sector lender in terms of assets. The company has been the fastest-growing bank in India since the last decade. It is also the largest bank in India by market capitalisation as of March 2020 and operates across 3 verticals namely Retail Banking, Wholesale Banking and Treasury Services. HDFC bank has transformed the business of retail banking in India through its wide reach and technology. It is also a leading provider of electronic banking services for Supply Chain Management (SCM) for manufacturing organizations.

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The Model covers all the major fundamental aspects of HDFC bank over the ten year period. The model is easy to edit and update for the future years as well. It includes:
Economic Moat
Business Model and Management
Financial Positions
Profitability Ratios
Cash and Liquidity Ratios
Debt Coverage Ratios
Efficiency Ratios
Valuation Ratios
ROE (Du Pont Analysis)
Future Prospects

Further Qualitative analysis is also done considering these factors and ratings have been assigned. The complete detailed analysis is in the word document along with the Excel model.

More about the Company:

The company has 3 major revenue sources which include retail and wholesale banking, Investment banking and Treasury and Cards business. The retail banking includes loan products, deposits and services like Insurance, Mutual funds and Brokerage. The wholesale business includes commercial banking and transnational banking which mostly involves wholesale loans, deposits and Tax collections for large companies.

The Investment banking business involves project finance, equity markets, M&A and advisory. Treasury services form a small part but provide niche and profitable services like derivatives, foreign exchange and debt securities. HDFC's Cards business is also one of the largest in India with 13.9 million credit cards and 5+ lakh POS terminals. Overall the business model is well diversified with a focus on core business driving the profitability and supporting businesses giving revenue growth.

(Note: All the research done by me is only for educational purposes and should not be seen as Investment recommendations. I am a Research analyst and not a SEBI registered Investment Advisor. My research completely reflects my personal opinions and not of my employers. Kindly do your own due diligence before Investing)