About HDFC Bank and RoadmapMANU GARGNMIMS HYDERABAD

HISTORY OF THE BANK

Top OfficialsAditya Puri

(MD)CM Vasudev (Chairman)

Partho Datta (Director)

Renu Karnad (Director)

Vijay Merchant (Director)

Keki Mistry (Director)

Pandit Palande (Director)

Bobby Parikh (Director)

Anami Roy (Director)

Mission & Vision (HDFC)VisionTo be customer driven best managed enterprise that enjoys market leadership in providing housing related finance.

MissionTo provide a package of attractive financial services for housing purposes through a competent and motivated team of employees using the state of the art technology to maintain financial stability and growth of the organization whilst contributing to the national goal of providing decent housing to all.

Capital Structure

23%

17%

35%

25%

Chart Title

HDFC Group

ADS/GDR Depositories

FII

Public Shareholders

• Authorized Share Capital – Rs 550 CR

• Paid up Capital – Rs 4789187090 CR

• No of shareholders - 435340

Business Areas Wholesale Banking

Retail Banking

Treasury

Credit Ratings

Marketing Aspect Kartik Jain

Business ki baatein

Customer retention – focus

Use of technology – Fractal, Unica

Network

Financials (2012-13) Net profit – Rs 6726 Cr

Balance Sheet size – Rs 400332 Cr

Deposits – Rs 296247 Cr

Advances – Rs 239721 Cr

Gross NPA – 0.97 of gross advance

Sustainable Livelihood Initiatives Leveraging Technology

Microfinance

Rural Banking

Roadmap for the next 6 weeks

Objectives To Study the complete structure and history of HDFC Bank

To know the different methods available for credit Rating and understanding the credit rating procedure used in HDFC Bank.

To gain insights into the credit risk management activities of the HDFC Bank.

To know the RBI Guidelines regarding credit rating and risk analysis.

Studying the credit policy adopted Comparative analyses of Public sector and private sector.

Credit Risk Management Policy Credit Risk Governance Structure

Credit Risk Management

Credit Risk Limit Framework

Credit Rating Model Validation Rating Parameters Evaluation

Rating Process Evaluation

Model stress testing

Parameter Estimation Default Probability estimation

Transition Matrix

Loss given default estimation

Credit Risk Portfolio Management RAROC framework

Expected Loss

Credit Value at risk estimation

Regulatory Capital Estimation Standardized approach

Internal Rating approach

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