BANKING SECTORCompany :

HDFC BANK

Profile:

Credit AnalystBy- Akshay kumar Jain

Introduction :• Banking as “accepting, for the purpose of lending or of investment of deposits of money from the

public, repayable on demand or otherwise or withdrawable by cheque, draft order or otherwise.”• Originated in the last decade of the 18th century.• The General Bank of India (start-1786), Hindustan Bank (started-1790).• Formation of RBI in 1934, got nationalized in jan. 1949 under RBI act.• Nationalization : In 1949, 1955, 1959, 1969, 1980…

Major Players in the sector• Public sector banks – SBI, PNB, Bank of India, Bank of Baroda etc..• Private sector banks – HDFC, ICICI Bank, Axis Bank, Yes Bank etc..• Foreign Banks – Standard Chartered Bank, HSBC, City Bank etc..• Regional rural banks – UP Gramin Bank, Andhra Pradesh Gramin etc..

GLOBAL & INDIAN BANKING SECTOR

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SWOT

GLOBAL SECTOR :

Global-Crisis, Impact on Economy, Major decisions, Financial Organizations.

INDIAN SECTOR: Regulated by RBI well-regulatedCommercial BanksCredit ControlContribution to GDP – 7.7% Demonetization Employment Digitalization

BANKING SECTOR

• GOVERNMENT POLICIESPAYMENT BANKSMORE CREDIT FACILITIY, LOW INTEREST RATE.RUPAY DEBIT CARDRURAL BANKS• IMPACTEVERY CITIZEN HAVING ACCOUNTHAWKERS USING DIGITAL BANKAPPLICATION LAUNCH

• FUTURE PROSPECTUSCONTACT LESS DEBIT & CREDIT CARD

AADHAR CARD NUMBER PAYMENT.

• Housing Development Finance Corporation Limited (HDFC)

• Bank was incorporated in August 1994.• The 5core values of HDFC Bank.

SWOT Analysis of HDFCStrength of HDFC• second largest private banking sector• located in 1,174 cities in India

Weakness of HDFC• doesn’t have strong presence in Rural areas

Opportunity of HDFC• HDFC has very good opportunities in abroad

Theatres of HFDC • (NPA) increased from 0.18 % to 0.20%• RBI has opened up to 74% for foreign banks to

invest in Indian market

Accounts and Deposits

Loans and Cards

InsuranceInvestments

Demat

Products and Services

Company Management

Aditya Puri (Managing Director) Sashidhar Jagdishan (CFO) Ashish Parthasathy (Treasurer)

Financial Details

Clients of HDFC :- Plans

• HDFC Bank plans to open 500 branches this fiscal.• Also plans to raise Rs.50,000 crore through bonds over one year to fund business growth.• Also plans to set up NBFC ( Non-banking finance company) for undertake fund based activities.

Single or joint A/c holders. Ltd. Companies. Firms. Co-operative banks. Credit Societies. Social Organizations. Large Corporate .• Blue chip companies including multinationals, domestic business houses & prime public sector companies.

SALES ( in crore ) – Jun – 2016

Skills

Critical Thinker

Decision Maker

Listener

Multitasking and Prioritization Skills

Knowledge of Industries

Negotiation

Credit AnalystPROFILE:

Qualification required in finance accounting, economics, business and statistics Responsible for analyzing credit and

financial reports. Determine risk involved in loaning

money or extending credit. Scrutinizes financial data such as

market share, income growth. Management quality to decide if loans

will be lucrative.

Evaluate a payment plan structure. Analysis and minimize company risk.Analyzing income statements and balance

sheets.Prepare reports .Gather important financial data about

individuals or companies.

Responsibilities

Career Growth

More Demand for credit analysts

16 % employment of credit analyst before 2020.

Face strong competition for starting this entry-level financial role.