About HDFC Bank and Roadmap
Transcript of About HDFC Bank and Roadmap
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About HDFC Bank and RoadmapMANU GARGNMIMS HYDERABAD
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HISTORY OF THE BANK
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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)
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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.
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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
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Business Areas Wholesale Banking
Retail Banking
Treasury
Credit Ratings
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Marketing Aspect Kartik Jain
Business ki baatein
Customer retention – focus
Use of technology – Fractal, Unica
Network
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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
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Sustainable Livelihood Initiatives Leveraging Technology
Microfinance
Rural Banking
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Roadmap for the next 6 weeks
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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.
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Credit Risk Management Policy Credit Risk Governance Structure
Credit Risk Management
Credit Risk Limit Framework
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Credit Rating Model Validation Rating Parameters Evaluation
Rating Process Evaluation
Model stress testing
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Parameter Estimation Default Probability estimation
Transition Matrix
Loss given default estimation
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Credit Risk Portfolio Management RAROC framework
Expected Loss
Credit Value at risk estimation
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Regulatory Capital Estimation Standardized approach
Internal Rating approach
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THANK YOU