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The biographical information of the 114 employees who participated in the study is presented in tabular format and explained by means of frequencies and percentages.

The majority of the respondents are in the age group 18 - 35 years, 30% of the respondents are in the age group 36 - 45 years and 9.6% are 46 years and older. More than half of the employees at HDFC Bank Ltd are therefore younger than 36 years.

5.2 Descriptive Statistics

Q.1 Do you think India is affected by the global recession?

From Fig 5.1 it is seen that majority of the respondents (80%) did not feel that India was affected by the global recession. Only 18% of the respondents felt that India was affected by global recession and 2% of the respondents didn't know.

Q.2 Do you think profitability of HDFC Bank has been affected by the “financial meltdown”?

From Fig 5.2 it is that nearly 91% of the respondents strongly felt that 91% of the respondents didn't feel that profitability of HDFC Bank LTd was affected by the phenomenon of financial meltdown. 8% of the respondents felt that profitability of HDFC Bank Ltd was affected by global recession and only 1% didn't know.

Q.3 What according to you are the strengths of your organization?

From Fig 5.3 it is seen that 62% of the respondents felt that expanding market reach was the biggest strength of HDFC Bank Ltd ollowed by robust business performance (27%) and merger with centurion Bank of Punjab(11%).

HDFC's geographical reach and market penetration have expanded at a very fast pace over the last few years. In the seven years ended on March 31, 2008, the bank expanded its operations from 131 branches and 207 ATMs in 53 cities to 761 branches and 1,977 ATMs in 327 cities. During the same five years, HDFC's customer base grew from 0.9 million customers to 9.6 million customers. Increasingly, HDFC has focused on semi urban and under penetrated markets with about 54% of its branches located outside the top nine cities of India. The bank has a significant presence in the merchant business with the total number of point-of-sale (POS) terminals installed by the bank at over 46,000 locations. HDFC's expanding geographic reach and market penetration would enable the bank to increase its market share and thus fuel its profitability.

In February 2008, HDFC Bank approved the acquisition of Centurion Bank of Punjab (CBoP) for INR95,100 million in the largest merger in the financial sector in India. However, the merged entity would still be two-fifth the size of the country's second largest lender, ICICI Bank. CBoP shareholders got one share of HDFC Bank for every 29 shares held by them.The merger with CBoP is considerably value-accretive as it provides the bank with a materially expanded branch/customer franchise. The merger adds 400 branches to HDFC Bank and would potentially enable the bank to double its balance sheet size by 2010.

By 2010, HDFC Bank expects CBoP's branches to scale up to the efficiency and productivity levels of HDFC Bank. The merger add本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。