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BANKING SECTOR
Company :
HDFC BANK
Profile:
Credit Analyst
By- 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
‘
SWOT
GLOBAL SECTOR :
Global-Crisis, Impact on Economy, Major decisions, Financial Organizations.
INDIAN SECTOR:
 Regulated by RBI
 well-regulated
Commercial Banks
Credit Control
Contribution to GDP – 7.7%
 Demonetization
Employment
Digitalization
BANKING SECTOR
• GOVERNMENT POLICIES
PAYMENT BANKS
MORE CREDIT FACILITIY, LOW INTEREST RATE.
RUPAY DEBIT CARD
RURAL BANKS
• IMPACT
EVERY CITIZEN HAVING ACCOUNT
HAWKERS USING DIGITAL BANK
APPLICATION LAUNCH
• FUTURE PROSPECTUS
CONTACT 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 HDFC
Strength 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 :-
• 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 Analyst
PROFILE:
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.

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BANKING SECTOR

  • 1. BANKING SECTOR Company : HDFC BANK Profile: Credit Analyst By- Akshay kumar Jain
  • 2. 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..
  • 3. GLOBAL & INDIAN BANKING SECTOR ‘ SWOT GLOBAL SECTOR : Global-Crisis, Impact on Economy, Major decisions, Financial Organizations. INDIAN SECTOR:  Regulated by RBI  well-regulated Commercial Banks Credit Control Contribution to GDP – 7.7%  Demonetization Employment Digitalization
  • 4. BANKING SECTOR • GOVERNMENT POLICIES PAYMENT BANKS MORE CREDIT FACILITIY, LOW INTEREST RATE. RUPAY DEBIT CARD RURAL BANKS • IMPACT EVERY CITIZEN HAVING ACCOUNT HAWKERS USING DIGITAL BANK APPLICATION LAUNCH • FUTURE PROSPECTUS CONTACT LESS DEBIT & CREDIT CARD AADHAR CARD NUMBER PAYMENT.
  • 5. • Housing Development Finance Corporation Limited (HDFC) • Bank was incorporated in August 1994. • The 5core values of HDFC Bank. SWOT Analysis of HDFC Strength 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
  • 6. Company Management Aditya Puri (Managing Director) Sashidhar Jagdishan (CFO) Ashish Parthasathy (Treasurer) Financial Details
  • 7. Clients of HDFC :- • 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
  • 8. Skills Critical Thinker Decision Maker Listener Multitasking and Prioritization Skills Knowledge of Industries Negotiation Credit Analyst PROFILE: 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.
  • 9. 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.