HDFC Bank - Assignment

7/30/2019 HDFC Bank - Assignment

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Subject: Strategic Management

Assignment: 1

(HDFC Bank)

Names Roll No.

Arzoo Khan 09

Ekta Tiwari 07

Vidya Chaudhary 14

Submitted To: Prof. Sujata Pal

Submitted On: /01/2013

College: Sheth N.K.T.T. College


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Type Public

Traded as BSE: 500180

NSE: HDFCBANK

NYSE: HDB

BSE SENSEX Constituent

Industry Banking, Financial services

Founded August 1994

Headquarters Mumbai, Maharashtra, India

Area served Worldwide

Key people Mr. Aditya Puri (MD)

Products Credit cards, consumer banking, corporate banking, finance

and insurance, investment banking, mortgage loans, private

banking, private equity, wealth management[1]

Revenue US$ 6.487 billion (2012)[2]

Operating

income

US$ 1.451 billion (2012)[2]

Profit US$ 978.3 million (2012)[2]

Total assets US$ 70.17 billion (2012)[2]

Total equity US$ 7.793 billion (2012)[2]

Employees 66,076 (2012)[2]

Website HDFCBank.com
http://en.wikipedia.org/wiki/Types_of_business_entityhttp://en.wikipedia.org/wiki/Types_of_business_entityhttp://en.wikipedia.org/wiki/Ticker_symbolhttp://en.wikipedia.org/wiki/Ticker_symbolhttp://en.wikipedia.org/wiki/Bombay_Stock_Exchangehttp://www.bseindia.com/scripsearch/scrips.aspx?myScrip=500180http://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=HDFCBANK&section=7http://en.wikipedia.org/wiki/New_York_Stock_Exchangehttp://www.nyse.com/about/listed/quickquote.html?ticker=hdbhttp://en.wikipedia.org/wiki/BSE_SENSEXhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Managing_Directorhttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://www.hdfcbank.com/http://www.hdfcbank.com/http://en.wikipedia.org/wiki/File:HDFC_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:HDFC_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:HDFC_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:HDFC_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:HDFC_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:HDFC_Bank_Logo.svghttp://www.hdfcbank.com/http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/HDFC_Bank#cite_note-10K-2http://en.wikipedia.org/wiki/United_States_dollarhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Managing_Directorhttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/BSE_SENSEXhttp://www.nyse.com/about/listed/quickquote.html?ticker=hdbhttp://en.wikipedia.org/wiki/New_York_Stock_Exchangehttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=HDFCBANK&section=7http://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.bseindia.com/scripsearch/scrips.aspx?myScrip=500180http://en.wikipedia.org/wiki/Bombay_Stock_Exchangehttp://en.wikipedia.org/wiki/Ticker_symbolhttp://en.wikipedia.org/wiki/Types_of_business_entity


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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 liberalization of the Indian Banking

Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank

Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations

as a Scheduled Commercial Bank 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.

Business 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 by Foreign Institutional Investors (FIIs) and the Bank has 4,47,924

shareholders.


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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 by Reserve Bank of India to complete the statutory and regulatory

approval process. As per the scheme of amalgamation, 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 bank promoted 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 of

amalgamation approved by the shareholders of both banks and the Reserve Bank of

India, shareholders of Times Bank received 1 share of HDFC Bank for every 5.75 shares

of Times Bank.

Distribution Network:

HDFC Bank is headquartered in Mumbai. As on March 31, 2012, the Bank has a network

of 2,620 branches in 1,454 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 centers, 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 leading stock exchanges, the

Bank has branches in centers where the NSE / BSE have a strong and active member

base.

The Bank also has a network of 10,469 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.


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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.

Senior banking professionals with substantial experience in India and abroad head

various businesses and functions and report to the Managing Director. Given the

professional expertise of the management team and the overall focus on recruiting and

retaining the best talent in the industry, the bank believes that its people are a

significant competitive strength.

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 technologyavailable 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, scalable and web-enabled.

The Bank has prioritized its engagement in technology and the internet as one of its key

goals and has already made significant progress in web-enabling its core businesses. In

each of its businesses, the Bank has succeeded in leveraging its market position,

expertise and technology to create a competitive advantage and build market share.


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Products:

1. Accounts & Deposits:

Savings Account

Salary Account

Current Account

Deposits

Demat Account

Safe Deposit Account

Rural Account

2. Loans:

Personal Loans

Business Loans

Home Loan

Car Loan

Two Wheeler Loan

Loan Against Assets

Educational Loans

Government Sponsored Programs

Rural Loans

3. Cards:

Credit CardDebit Card

Prepaid Card

Credit Card Reward Programs

4. Investments:

Wealth Services

Investment Products

5. Insurance:Life Insurance

Health Insurance

Motor Insurance

Travel Insurance

Home Insurance


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6. Forex:

Travelling Solutions

Remittance Products

Other Forex Services

Forex Help

7. Premium Banking:

Imperia Banking

Preferred Banking

Classic Banking

8. Private Banking

Fees & Rates:

Fixed Deposit Rates: 8.75% for 2 years & 16 daysForex Rates: $: 55.98 : 90.97

Gold & Silver Rates: Mudra Gold / 10G: Rs. 35964.00

Base Rate: 09.80 % 30/06/2012

Benchmark PLR: 18.30 % 30/06/2012
http://www.hdfcbank.com/assets/pdf/forex_rates/rates.pdfhttp://www.hdfcbank.com/assets/pdf/forex_rates/rates.pdf


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Businesses:

HDFC Bank caters to a wide range of banking services covering commercial and

investment banking on the wholesale side and transactional / branch banking on the

retail side.

The bank has Three key Business Segments:

Wholesale Banking:The Bank's target market is primarily large, blue-chip manufacturing companies in

the Indian corporate sector and 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,

trade services, transactional services, cash management, etc. The bank is also a

leading provider of structured solutions, which combine cash management services

with vendor and distributor finance for facilitating superior supply chain

management for its corporate customers. Based on its superior product delivery /service levels and strong customer orientation, the Bank has made significant

inroads into the banking consortia of a number of leading Indian corporates

including multinationals, companies from the domestic business houses and prime

public sector companies. It is recognized as a leading provider of cash management

and transactional banking solutions to corporate customers, mutual funds, stock

exchange members and banks.

Retail Banking:The objective of the Retail Bank is to provide its target market customers a full range

of financial products and banking services, giving the customer a one-stop window

for all his/her banking requirements. The products are backed by world-classservice and delivered to customers through the growing branch network, as well as

through alternative delivery channels like ATMs, Phone Banking, Net Banking and

Mobile Banking.

The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank

Plus and the Investment Advisory Services programs have been designed keeping in

mind needs of customers who seek distinct financial solutions, 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 alsoa leading provider of Depository Participant (DP) services for retail customers,

providing customers 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 (VISA Electron) and issues the MasterCard Maestro debit card

as well. The Bank launched its credit card business in late 2001. By March 2012, the

bank had a total card base (debit and credit cards) of over 19.71 million. The Bank is

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.


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The Bank is well positioned as a leader in various net based B2C opportunities

including a wide range of internet banking services for Fixed Deposits, Loans, Bill

Payments, etc.

Treasury:Within this business, the bank has three main product areas - Foreign Exchange and

Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the

liberalization of the financial markets in India, corporates need more sophisticated

risk management information, advice and product structures. These and fine pricing

on various treasury products are provided through the banks Treasury team. To

comply with statutory reserve requirements, the bank is required to hold 25% of its

deposits in government securities.

The Treasury business is responsible for managing the returns and market risk on

this investment portfolio.


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Ratings:

Credit Rating:

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

negligible investment risk."

CARE has also rated the bank's Certificate of Deposit (CD) programme "PR 1+" which

represents "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 the outlook 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 India Private Limited and its Tier I perpetual Bonds and Upper Tier

II Bonds rated by CARE and CRISIL Ltd.

CARE has assigned the rating of"CARE AAA" for the subordinated Tier II Bonds while

Fitch Ratings India Pvt. Ltd. has assigned 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 to above, the ratings awarded were the highest assigned bythe rating agency for those instruments.


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Corporate Governance Rating:

The bank was one of the first four companies, which subjected itself to a Corporate

Governance and Value Creation (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 GVC Level 1' rating in January 2007 which

indicates that the bank's capability with respect to wealth creation for all its

stakeholders while adopting sound corporate governance practices is the highest.


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Awards:

Our MD received the Asian Banker Best Bank in India Award at a function on March 23,

2012 at Singapore. Mr. Puri is flanked by Mr. Emmanuel Daniel, CEO, The Asian Banker,

on his right and Mr.Philippe Paillart, Chairman, Advisory Council.

Awards & Achievements - Banking Services:

HDFC Bank began operations in 1995 with a simple mission: to be a "World-class

Indian Bank". We realized that only a single-minded focus on product quality and

service excellence would help us get there. Today, we are proud 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 both nationally and internationally.

2012:

Economic Times ET Awards for Corporate Excellence - Company of the Year 2012

CNBC TV18's IndiaBest Banks andFinancial InstitutionsAwards 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 Awards

2011

- 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 ExcellenceAwards 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 FundCNBC TV 18 FinancialAdvisor Awards 2011

- Best Performing Bank - Private

Asian BankerInternationalExcellence in RetailFinancial ServicesAwards 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
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2011:

Outlook Money BestBank Award 2011

- Best Bank - Runner Up

Best CommercialVehicle Financier

- Driving Positive Change

Business world 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 Productivity

Excellence Awards2011

New Channel Adopter (Private Sector)

DSCI (Data SecurityCouncil of India)Excellence Awards2011

Security in Bank

Euro money Awards forExcellence 2011

Best Bank in India

FINANCE ASIACountry Awards 2011:India

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

Asian Banker Strongest Bank in Asia Pacific

Bloomberg TVsFinancial Leadership

Awards 2011

Best Bank

IBA BankingTechnology Awards2010

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
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2010:

Outlook Money 2010Awards

Best Bank

Business world 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 Awards2010

Best Private Sector Bank

The BankerMagazine World's Top 1000 Banks

MIS Asia IT ExcellenceAward 2010 BEST BOTTOM-LINE I.T. Category


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 Awards

2010

Highly Commended - Asia Pacific HDFC Bank

FE-EVI GreenBusiness LeadershipAward

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 GrowthBest in strength

Asian BankerExcellence Awards2010

Best Retail Bank in India

Excellence in Automobile Lending

Best M&A Integration

Technology Implementation

The Asset Triple AAwards

Best Cash Management Bank in India

Euro money 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)
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Financial InsightsInnovation Awards2010

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

Business Today BestEmployer Survey

Listed in top 10 Best Employers in the country

We are aware that all these awards are mere milestones in the continuing, never-ending

journey of providing excellent service to our customers. We are confident, however, that

with your feedback and support, we will be able to maintain and improve our services.
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HDFC Bank - Assignment

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Transcript of HDFC Bank - Assignment