Guest talk on Industry Trend in Banking by Mr. Prasad Prabhu on 21st July

A very insightful and informative talk on Banking trends and job opportunities in HDFC Bank was made by Mr. Prasad Prabhu, Branch Head, HDFC Bank, Shirva Branch, for the students of 1st and 2nd year MBA student from 11.15 am to 12.15 noon on 21st July 2025.
He started with certain assumptions made by him during his early years
about banks, that banks are all about rich people saving their extra money
safely. Today, banks play diverse roles, marketing different products like
deposits, different types of loans – personal, educational, vehicle, housing,
etc. In addition, there are also insurance products, credit cards, forex
transactions making banks a financial supermarket today but how does a Bank grow and earn profits? He shared his insights here sharing that banks earn profits through loans rather than deposits and credit cards. While they share a 4-6% interest on deposits, they earn 9 to 10% on loans given, thus earning their profits. With new branches coming up in rural areas, it has the challenge of acquiring new customers and ensuring there is growth and profits year on year. He also shared that there are many opportunities for employment with new branch openings and hence encouraged the students to think carefully and launching their career with HDFC. The students had many queries regarding how AI and automation has changed banking, openings for HR, Finance and Marketing and skills required for each position, banking exams and registrations, training, etc. Mr. Prasad ably handled all queries and patiently answered all their queries.