summer intern.docx

7/27/2019 Summer intern.docx

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About Us

The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle'approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalisationof the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC BankLimited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled CommercialBank in January 1995.

Promoter

HDFC is India's premier housing finance company and enjoys an impeccable track record in India as well as in

international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in

its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million

dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and

also has a large corporate client base for its housing related credit facilities. With its experience in the financial

markets, strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally

positioned to promote a bank in the Indian environment.

Bussiness Focus

HDFC Bank's mission is to be a World Class Indian Bank. The objective is to build sound customer franchises across

distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer

segments, and to achieve healthy growth in profitability, consistent with the banks risk appetite. The bank is

committed to maintain the highest level of ethical standards, professional integrity, corporate governance and

regulatory compliance. HDFC Banks business philosophy is based on four core values: Operational Excellence,

Customer Focus, Product Leadership and People.

Capital Structure

As on 31st March, 2012 the authorized share capital of the Bank is Rs. 550 crore. The paid-up capital as on the said

date is Rs. 469,33,76,540 (234,66,88,270 equity shares of Rs. 2/- each). The HDFC Group holds 23.15% of the

Bank's equity and about 17.29 % of the equity is held by the ADS / GDR Depositories (in respect of the bank's

American Depository Shares (ADS) and Global Depository Receipts (GDR) Issues). 30.68 % of the equity is held byForeign Institutional Investors (FIIs) and the Bank has 4,47,924 shareholders.

The shares are listed on the Bombay Stock Exchange Limited and The National Stock Exchange of India Limited.

The Bank's American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) under the

symbol 'HDB' and the Bank's Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange under

ISIN No US40415F2002.

CBoP & Times Bank Amalgamation

On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was formally approved byReserve Bank of India to complete the statutory and regulatory approval process. As per the scheme ofamalgamation, shareholders of CBoP received 1 share of HDFC Bank for every 29 shares of CBoP.The amalgamation added significant value to HDFC Bank in terms of increased branch network, geographic reach,and customer base, and a bigger pool of skilled manpower.In a milestone transaction in the Indian banking industry, Times Bank Limited (another new private sector bankpromoted by Bennett, Coleman & Co. / Times Group) was merged with HDFC Bank Ltd., effective February 26, 2000.This was the first merger of two private banks in the New Generation Private Sector Banks. As per the scheme ofamalgamation approved by the shareholders of both banks and the Reserve Bank of India, shareholders of TimesBank received 1 share of HDFC Bank for every 5.75 shares of Times Bank.


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Distribution Network

HDFC Bank is headquartered in Mumbai. As on March 31, 2012, the Bank has a network of 3,062 branches in 1,568

cities across India. All branches are linked on an online real-time basis. Customers in over 800 locations are also

serviced through Telephone Banking. The Bank's expansion plans take into account the need to have a presence in

all major industrial and commercial centres, where its corporate customers are located, as well as the need to build a

strong retail customer base for both deposits and loan products. Being a clearing / settlement bank to various leadingstock exchanges, the Bank has branches in centres where the NSE / BSE have a strong and active member base.

The Bank also has a network of 10,743 ATMs across India. HDFC Bank's ATM network can be accessed by all

domestic and international Visa / MasterCard, Visa Electron / Maestro, Plus / Cirrus and American Express Credit /

Charge cardholders.

Management

Mr. C.M. Vasudev has been appointed as the Chairman of the Bank with effect from 6th July 2010. Mr. Vasudev has

been a Director of the Bank since October 2006. A retired IAS officer, Mr. Vasudev has had an illustrious career in

the civil services and has held several key positions in India and overseas, including Finance Secretary, Government

of India, Executive Director, World Bank and Government nominee on the Boards of many companies in the financial

sector.

The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25 years, and before joining HDFC

Bank in 1994 was heading Citibank's operations in Malaysia.

The Bank's Board of Directors is composed of eminent individuals with a wealth of experience in public policy,

administration, industry and commercial banking. Senior executives representing HDFC are also on the Board.

Technology

HDFC Bank operates in a highly automated environment in terms of information technology and communication

systems. All the bank's branches have online connectivity, which enables the bank to offer speedy funds transfer

facilities to its customers. Multi-branch access is also provided to retail customers through the branch network and

Automated Teller Machines (ATMs).

The Bank has made substantial efforts and investments in acquiring the best technology available internationally, to

build the infrastructure for a world class bank. In terms of core banking software, the Corporate Banking business is

supported by Flexcube, while the Retail Banking business by Finware, both from i-flex Solutions Ltd. The systems are

open, scaleable and web-enabled.

Businesses

HDFC Bank caters to a wide range of banking services covering commercial and investment banking on thewholesale side and transactional / branch banking on the retail side. The bank has three key business segments:

Wholesale BankingThe Bank's target market is primarily large, blue-chip manufacturing companies in the Indian corporate sectorand to a lesser extent, small & mid-sized corporates and agri-based businesses. For these customers, the Bank

provides a wide range of commercial and transactional banking services, including working capital finance, tradeservices, transactional services, cash management, etc. The bank is also a leading provider of structuredsolutions, which combine cash management services with vendor and distributor finance for facilitating superiorsupply chain management for its corporate customers. Based on its superior product delivery / service levels andstrong customer orientation, the Bank has made significant inroads into the banking consortia of a number ofleading Indian corporates including multinationals, companies from the domestic business houses and primepublic sector companies. It is recognised as a leading provider of cash management and transactional bankingsolutions to corporate customers, mutual funds, stock exchange members and banks.

Retail BankingThe objective of the Retail Bank is to provide its target market customers a full range of financial products and


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banking services, giving the customer a one-stop window for all his/her banking requirements. The products arebacked by world-class service and delivered to customers through the growing branch network, as well asthrough alternative delivery channels like ATMs, Phone Banking, NetBanking and Mobile Banking.

The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank Plus and the InvestmentAdvisory Services programs have been designed keeping in mind needs of customers who seek distinct financialsolutions, information and advice on various investment avenues. The Bank also has a wide array of retail loan

products including Auto Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers. It is also a leading provider of Depository Participant (DP) services for retail customers, providingcustomers the facility to hold their investments in electronic form.

HDFC Bank was the first bank in India to launch an International Debit Card in association with VISA (VISAElectron) and issues the MasterCard Maestro debit card as well. The Bank launched its credit card business inlate 2001. By March 2012, the bank had a total card base (debit and credit cards) of over 19.71 million. The Bankis also one of the leading players in the "merchant acquiring" business with over 180,000 Point-of-sale (POS)terminals for debit / credit cards acceptance at merchant establishments. The Bank is well positioned as a leaderin various net based B2C opportunities including a wide range of internet banking services for Fixed Deposits,Loans, Bill Payments, etc.

TreasuryWithin this business, the bank has three main product areas - Foreign Exchange and Derivatives, Local Currency

Money Market & Debt Securities, and Equities. With the liberalisation of the financial markets in India, corporatesneed more sophisticated risk management information, advice and product structures. These and fine pricing onvarious treasury products are provided through the banks Treasury team. To comply with statutory reserverequirements, the bank is required to hold 25% of its deposits in government securities. The Treasury business isresponsible for managing the returns and market risk on this investment portfolio.

Ratings

The Bank has its deposit programs rated by two rating agencies - Credit Analysis & Research Limited (CARE)and Fitch Ratings India Private Limited. The Bank's Fixed Deposit programme has been rated 'CARE AAA (FD)'[Triple A] by CARE, which represents instruments considered to be "of the best quality, carrying negligibleinvestment risk." CARE has also rated the bank's Certificate of Deposit (CD) programme "PR 1+" whichrepresents "superior capacity for repayment of short term promissory obligations". Fitch Ratings India Pvt. Ltd.(100% subsidiary of Fitch Inc.) has assigned the "AAA (ind)" rating to the Bank's deposit programme, with theoutlook on the rating as "stable". This rating indicates "highest credit quality" where "protection factors are very

high".

The Bank also has its long term unsecured, subordinated (Tier II) Bonds rated by CARE and Fitch Ratings IndiaPrivate Limited and its Tier I perpetual Bonds and Upper Tier II Bonds rated by CARE and CRISIL Ltd. CAREhas assigned the rating of "CARE AAA" for the subordinated Tier II Bonds while Fitch Ratings India Pvt. Ltd. hasassigned the rating "AAA (ind)" with the outlook on the rating as "stable". CARE has also assigned "CARE AAA[Triple A]" for the Banks Perpetual bond and Upper Tier II bond issues. CRISIL has assigned the rating "AAA /Stable" for the Bank's Perpetual Debt programme and Upper Tier II Bond issue. In each of the cases referred toabove, the ratings awarded were the highest assigned by the rating agency for those instruments.

Corporate Governance RatingThe bank was one of the first four companies, which subjected itself to a Corporate Governance and ValueCreation (GVC) rating by the rating agency, The Credit Rating Information Services of India Limited (CRISIL).The rating provides an independent assessment of an entity's current performance and an expectation on its"balanced value creation and corporate governance practices" in future. The bank was assigned a 'CRISIL GVCLevel 1' rating in January 2007 which indicates that the bank's capability with respect to wealth creation for all itsstakeholders while adopting sound corporate governance practices is the highest.


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Overview

Archives

Credit Rating

Corporate Governance

Rating

Our MD Mr. Aditya Puri and ED Mr. Paresh Sukthankar received the award for India's BestManaged Boards 2012 from Mr. Sachin Pilot, Union Minister for Company Affairs. Mr. AnilJaggia, our CIO is on the extreme left.HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". We realised

that only a single-minded focus on product quality and service excellence would help us get there. Today, we areproud to say that we are well on our way towards that goal.It is extremely gratifying that our efforts towards providing customer convenience have been appreciated bothnationally and internationally.

2013

NASSCOM CNBC-TV18 IT Innovation

Award

Best IT Driven Innovation in Banking (COMMERCIAL)

The National QualityExcellence Awards

Best Customer Service Result

FE Best Bank Awards HDFC Bank wins in 3 categories at FE Best Bank Awards

Skoch FinancialInclusion Awards 2013

Organisation of the Year

2012

DSCI InformationTechnology Award 2012

- Security in Bank (2nd time in a row)- Security Leader of the Year (Banking)

Businessworld Awardsfor Banking Excellence2012

- Most tech-friendly Bank- Deal of the year (Rupee Bonds)

HT-Mars Customersatisfaction survey

- Winner: Bank and Credit Card customer satisfaction Survey

CSO Forum InformationTechnology Award 2012

- Best Organisation for Information Security Practice (2nd time in a row)
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Economic Times ET Awards for Corporate Excellence - Company of the Year 2012

CNBC TV18's IndiaBest Banks andFinancial Institutions

Awards 2012

Best Private sector Bank

Mint-Aon Hewitt studyon India's BestManaged Boards 2012

Our Bank among India's six best managed Boards 2012

Forbes Asia Fab 50 Companies - Winning for the 6th year

IBA BankingTechnology Awards2011

- Best Online Bank- Best use of Business Intelligence- Best Customer Relationship Initiative- Best Risk Management & Security Initiative- Best use of Mobility Technology in Banking

Dun & BradstreetBanking Awards 2012

- Overall Best Bank- Best Private Sector Bank- Asset Quality - Private Sector

- Retail Banking -Private Sector

IDRBT BankingTechnology Excellence

Awards 2011-12

Best Bank in 'IT for Operational Effectiveness' category

Asia Money 2012 Best Domestic Bank in India

India's Top 500Companies -Dun &Bradstreet Corporate

Awards

Best Bank in India

Finance Asia - Best Managed Company- Best CEO - Mr. Aditya Puri

UTI Mutual Fund CNBCTV 18 Financial Advisor

Awards 2011

- Best Performing Bank - Private

Asian BankerInternational Excellencein Retail FinancialServices Awards 2012

- Best Retail Bank in India- Best Bancassurance- Best Risk Management

5th Loyalty Summitaward

Customer and Brand Loyalty

Skoch foundation 2012 SHG/JLG linkage programme

ICAI Awards 2011 Excellence in Financial Reporting

We are aware that all these awards are mere milestones in the continuing, never-ending journey of providingexcellent service to our customers. We are confident, however, that with your feedback and support, we will beable to maintain and improve our services.
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Overview

Year 2011

Archives

Credit RatingCorporate GovernanceRating

Our MD Mr. Aditya Puri and ED Mr. Paresh Sukthankar received the award for India's Best

Managed Boards 2012 from Mr. Sachin Pilot, Union Minister for Company Affairs. Mr. Anil Jaggia,

our CIO is on the extreme left.

Awards for Year 2011

2011

Outlook Money BestBank Award 2011

- Best Bank - Runner Up

Best CommercialVehicle Financier

- Driving Positive Change

Businessworld BestBank award

- Best Bank

BCI Continuity &Resilience Award

- Most Effective Recovery of the Year

Financial Express BestBank Survey 2010-11

- Best in Strength and Soundness- 2nd Best in the Private Sector

CNBC TV18's BestBank & FinancialInstitution Awards

- Best Bank- Mr. Aditya Puri, Outstanding Finance Professional


Best Private Sector Bank - SME Financing

ISACA 2011 award forIT Governance

Best practices in IT Governance and IT Security

IBA ProductivityExcellence Awards2011

New Channel Adopter (Private Sector)

DSCI (Data SecurityCouncil of India)Excellence Awards2011

Security in Bank

Euromoney Awards for Best Bank in India
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Excellence 2011

FINANCE ASIA CountryAwards 2011: India

- BEST BANK- BEST CASH MANAGEMENT BANK- BEST TRADE FINANCE BANK

Asian Banker Strongest Bank in Asia Pacific

BloombergUTV'sFinancial Leadership

Awards 2011

Best Bank


Winner -1) Technology Bank of the Year2) Best Online Bank3) Best Customer Initiative4) Best Use of Business Intelligence5) Best Risk Management SystemRunners Up -Best Financial Inclusion

IDC FIIA Awards 2011 Excellence in Customer Experience

Awards for Year 2009 & 2010

2010

Outlook Money 2010Awards

Best Bank

Businessworld BestBank Awards 2010

Best Bank (Large)

Teacher's AchievementAwards 2010(Business)

Mr. Aditya Puri

The Banker and PWM2010 Global PrivateBanking Awards

Best Private Bank in India

Economic TimesAwards for CorporateExcellence 2010

Business Leader of the Year - Mr. Aditya Puri

Forbes Asia Fab 50 Companies - 5th year in a row

NDTV BusinessLeadership Awards

2010

Best Private Sector Bank

The BankerMagazine World's Top 1000 Banks

MIS Asia IT ExcellenceAward 2010

BEST BOTTOM-LINE I.T. Category

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8/14

Overall Best Bank

Best Private Sector Bank

Best Private Sector Bank in SME Financing

Institutional InvestorMagazine Poll

HDFC Bank MD, Mr. Aditya Puri among "Asian Captains of Finance 2010"

IDRBT Technology2009 Awards

Winner - 1) IT Infrastructure 2) Use of IT within the BankRunners-up - IT Governance (Large Banks)

ACI Excellence Awards2010

Highly Commended - Asia Pacific HDFC Bank

FE-EVI Green BusinessLeadership Award

Best performer in the Banking category

Celent's 2010 BankingInnovation Award

Model Bank Award

Avaya Global Connect2010 Customer Responsiveness Award - Banking & Financial Services category

Forbes Top 2000Companies

Our Bank at 632nd position and among 130 Global High Performers

Financial Express -Ernst & Young Survey2009-10

Best New Private Sector Bank

Best in Growth

Best in strength

Asian Banker

Excellence Awards2010Best Retail Bank in India

Excellence in Automobile Lending

Best M&A Integration

Technology Implementation

The Asset Triple AAwards

Best Cash Management Bank in India

Euromoney PrivateBanking and WealthManagement Poll 2010

1) Best Local Bank in India (second year in a row) 2) Best Private BankingServices overall (moved up from No. 2 last year)

Financial InsightsInnovation Awards 2010

Innovation in Branch Operations - Server Consolidation Project

Global Finance Award Best Trade Finance Provider in India for 2010

2 Banking TechnologyAwards 2009

1) Best Risk Management Initiative and 2) Best Use of Business Intelligence.

SPJIMR MarketingImpact Awards (SMIA)2010

2nd Prize
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9/14

Business Today BestEmployer Survey

Listed in top 10 Best Employers in the country

2009

Business IndiaBusinessman of theYear Award for 2009.

Mr. Aditya Puri, MD, HDFC Bank

Businessworld BestBank Awards 2009

Most Tech-savvy Bank

Outlook Money NDTVProfit Awards 2009

Best Bank

Forbes Asia Fab 50 Companies in Asia Pacific

GQ India's Man of the

Year (Business)


UTI MF-CNBC TV18Financial Advisor

Awards 2009

Best Performing Bank

Wall Street Journalsurvey of Asia's Best200 Companies 2009

Our Bank among India's 10 Most Admired Companies

Rated 3rd Best in terms of Financial Reputation

Business Standard BestBanker Award


Fe Best Bank Awards2009

- Best Innovator of the year award for our MD Mr. Aditya Puri- Second Best Private Bank in India- Best in Strength and Soundness Award

Euromoney Awards2009

Best Bank in India

Economic Times BrandEquity & NielsenResearch annual survey2009

Most Trusted Brand - Runner Up

Asia Money 2009Awards

Best Domestic Bank in India


Best IT Governance Award - Runner up

Global Finance Award Best Trade Finance Bank in India for 2009

IDRBT BankingTechnology Excellence

Award 2008

Best IT Governance and Value Delivery
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10/14

Finance Asiamagazine's annual pollof Investors and

Analysts 2009 Mr. Aditya Puri - India's Best CEO

Our Bank is 3rd in 'Best managed Company' category

Asian BankerExcellence in RetailFinancial Services

Asian Banker Best Retail Bank in India Award 2009

Awards for Year 2008 and 2007

2008

Finance Asia CountryAwards forAchievement 2008

Best Bank and Best Cash Management Bank

CNN-IBN Indian of the Year (Business)

Nasscom IT UserAward 2008

Best IT Adoption in the Banking Sector

Business India Best Bank 2008

Forbes Asia Fab 50 companies in Asia Pacific

Asian BankerExcellence in RetailFinancial Services

Best Retail Bank 2008

Asiamoney Best local Cash Management Bank Award voted by Corporates

Microsoft & IndianExpress Group

Security Strategist Award 2008

World Trade CenterAward of honour

For outstanding contribution to international trade services.

Business Today-MonitorGroup survey

One of India's "Most Innovative Companies"

Financial Express-Ernst& Young Award

Best Bank Award in the Private Sector category

Global HR Excellence

Awards - Asia PacificHRM Congress:

Employer Brand of the Year 2007 -2008' Award - First Runner up, & many

more

Business Today Best Bank Award
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11/14

2007

Dun & BradstreetAmerican ExpressCorporate Best Bank

Award 2007

Corporate Best Bank Award

The Bombay StockExchange andNasscom Foundation'sBusiness for SocialResponsibility Awards2007

Best Corporate Social Responsibility Practice Award

Outlook Money & NDTVProfit

Best Bank Award in the Private sector category.

The Asian BankerExcellence in RetailFinancial Services

Awards

Best Retail Bank in India

Asian Banker Our Managing Director Aditya Puri wins the Leadership Achievement Awardfor India
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12/14


2006

Business Today Best Bank in India.

Forbes Magazine One of Asia Pacific's Best 50 companies.

Businessworld Best listed Bank of India.

The Asset Magazine'sTriple A Country

Awards

Best Domestic Bank.

Asiamoney Awards Best Local Cash Management Bank in Large and Medium segments.

Euromoney Awards "Best Bank" in India.

2005

Asiamoney Awards Best Domestic Commercial Bank

Asiamoney Awards Best Cash Management Bank - India .

The Asian BankerExcellence

Retail Banking Risk Management Award in India.

Hong Kong-basedFinance Asia magazine

Best Bank India

Economic TimesAwards

"Company of the Year" Award for Corporate Excellence.

The Asset Triple ACountry Awards

Best Domestic Bank in India Region - 2005

The Business Today-KPMG Survey

Best Local Cash Management Bank in India US$11-100m - 2005

The Business Today-KPMG Survey

"Best Bank in India" for the third consecutive year in 2005.

Economic Times -Avaya Global ConnectCustomerResponsiveness

Awards

"Most Customer Responsive Company - Banking and Financial Services2005


13/14


2004

Asiamoney Awards Best Local Cash Management Bank in India US$11-100m

Asiamoney Awards Best Local Cash Management Bank in India >US$501m

Asiamoney Awards Best Local Cash Management Bank in India 1989-2004 (poll ofpolls)

Asiamoney Awards Best Overall Domestic Trade Finance Services in India - 2004

Asiamoney Awards Most Improved company for Best Management Practices inIndia - 2004

Business World One of India's Most Respected Companies - 2004

Forbes Global Best Under a Billion, 100 Best Smaller Size Enterprises inAsia/Pacific and Europe - 2004

Asian Banker Awards Operational Excellence in Retail Financial Services 2004

The Asset Triple A Country Awards Best Domestic Bank in India 2004

2003


14/14

Forbes Global Best Under a Billion, 200 Best Small Companies - 2003

The Asset Triple ACountry Awards

Best Domestic Bank in India -2003

BusinessWorld - TheBusiness World Most

Respected CompanyAwards

One of India's Most Respected Companies

The Asset magazine Best Cash Management Bank

The Asset magazine Best Trade Finance Bank

FE-Ernst & Young BestBanks Survey

Best New Private Sector Bank - 2003

Outlook Money Best Bank in the Private Sector 2003

Business Today Best Bank in India -2003

NASSCOM &

economictimes.com - ITUsers Awards

Best IT User in Banking -2003

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