Accolades 2011 - 2012 The Asian Banker International Excellence in Retail Financial Services Awards • Best Retail Bank in India • Best Bancassurance business in India • Best Risk Management in India Businessworld Best Bank Awards • Best Bank CNBC TV18 Best Bank and Financial Institution Awards • Best Bank • Aditya Puri - Outstanding Finance Professional CNBC TV18 Financial Advisor Awards • Best Performing Bank (Private) DSCI (Data Security Council of India) Excellence Awards • Security in Bank Dun & Bradstreet Banking Awards • Best Private Sector Bank - SME Financing Euromoney Awards for Excellence • Best Bank in India Finance Asia Country Awards • Best Bank in India • Best Cash Management Bank in India • Best Trade Finance Bank in India Financial Express Best Bank Survey • Best in Strength and Soundness Institute of Chartered Accountants of India Awards • Excellence in Financial Reporting International Data Corporation Financial Insights Innovation Awards • Excellence in Customer Experience Skoch Foundation Financial Inclusion Awards • SHG/JLG linkage programme
Highlights 2011 - 2012 • Net profit: 5,167 crore. An increase of 31.6% compared to the previous year • Balance sheet size: 337,909 crore as at 31st March 2012 • Total deposits: 246,706 crore. An increase of 18.3% compared to the previous year • Total advances: 195,420 crore. An increase of 22.2% compared to the previous year • Capital Adequacy Ratio: 16.5%. Regulatory minimum requirement is 9% • Tier I capital ratio: 11.6% • Non Performing Assets: 1,999 crore (gross); 1.0% of Gross Advances • Network: • Branches: 2544 • ATMs: 8913 • Cities: 1399
“Give a man a fish and you feed him for a day. Teach him how to fish and you feed him for a lifetime”. The wisdom of this timeless adage defines HDFC Bank’s approach to Financial Inclusion. We call it Sustainable Livelihood Banking. Take for instance, Alpana Dalui from Howrah district, West Bengal, who no longer relies on middlemen to distribute her embroidery, thanks to financial assistance from HDFC Bank. Or Raghavendra Navodhya Sangha, a Self Help Group in Hubli, Karnataka, for whom we facilitated investment in machinery for packaging and processing pickles. The widespread use of mobile phones in rural markets encouraged us to launch a bank account which can be operated with a basic cell phone. The migrant worker in Jaipur now sends money to his mother in nearby Sikar using his HDFC Bank Mobile Account. Our Kisan Gold Card has helped farmers alleviate their cash flow problems and also provides insurance cover. An array of products including Tractor Loans, Two Wheeler Loans, Auto Loans as well as Savings Accounts were taken to the doorstep of the rural customer by the Bank’s unique Grameen Loan Mahotsavas. A new milestone was achieved when we emerged as the largest issuer of Credit Cards in India. This financial year saw the launch of Infinia, the first Credit Card in India with no pre-set spend limit, a range of Credit Cards to support the burgeoning travel segment and a premium Credit Card especially created for women.
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