About HDFC Bank and Roadmap

MANU GARG
NMI MS HYDERABAD
HISTORY OF THE BANK
Top Officials
Aditya 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)

Vision
To be customer driven best managed enterprise that enjoys market leadership in providing housing related
finance.


Mission
To 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
THANK YOU