RESUME

SHANKAR KUMAR YADAV AT-Betwanya, p.o.-Manikpur Dist-saran(Bihar) 841220 Mob: 91-9806881032, 91-8294183119 E-mail: shankarsameer@rediffmail.com PROFESSIONAL OBJECTIVES: To become a successful person in the field of Finance and gain valuable knowledge & experience to fulfill Companies objectives. PROFESIONAL QUALIFICATION MANAGEMENT DEGREE: Pursuing M.B.A. with dual Specialization in finance and Marketing (2009-2011) from Jiwaji University, Gwalior (M.P.) EDUCATIONAL QUALIFICATIONS: Degree
Graduation 12th 10th

University/Board
J.P.University,Chapra(Bihar) B.I.E.C, PATNA B.S.E.B, PATNA

Year
2008 2004 2002

PROJEC T WORK Six weeks summer training in MPFC, Gwalior (MP) on the topic NONPERFORMING ASSETS. A project work on SURVEY OF LIC HOUSING FINANCE for 45 days. PRESENTATION RIGHT TO INFORMATION (RTI) HONOUR AND AWARD 1ST Prize in Ad Mat show ,skit and Quiz competition.

PERSONAL PROFILE:

NAME FATHERS NAME MOTHERS NAME DATE OF BIRTH MARRITAL STATUS COMPUTER KNOWLEDGE

: : : : : :

SHANKAR KUMAR YADAV JAYNATH YADAV MIRA DEVI 12 FEB 1986 SINGLE Basic, DCA, and Internet.

LANGUAGE KNOWN: English & Hindi INTERESTS: Watching and playing cricket, listen music , DECLERATION All the above information is correct on the behalf of my knowledge Date: . / . / 2011 Place:Gwalior

SHANKAR KUMAR YADAV

HDFC Bank
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This article is written like an advertisement. Please help rewrite this article from a neutral point of view. For blatant advertising that would require a fundamental rewrite to become encyclopedic, use {{db-spam}} to mark for speedy deletion. (May 2011)

HDFC Bank Limited

Type

Public BSE: 500180

Traded as

NSE: HDFCBANK NYSE: HDB NASDAQ: HDB Banking Financial services August 1994 Mumbai, India Worldwide Aditya Puri (MD) Finance and insurance Investment Banking Commercial Banking Retail Banking Private Banking Asset Management Mortgages Credit Cards[1]

Industry

Founded Headquarters Area served Key people

Products

Revenue

$4.476 billion (2010)[2]

Profit Total assets Total equity Employees Website

$545 million (2010)[2] $53.670 billion (2010)[2] $6.787 billion (2010)[2] 51,888 (2010)[2] HDFCBank.com

HDFC Bank Limited (BSE: 500180, NSE: HDFCBANK, NYSE: HDB, NASDAQ: HDB) is a major Indian financial services company based in India, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks. The Bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,725 branches and over 5,000 ATMs, in 780 cities in India, and all branches of the bank are linked on an online real-time basis. As of 30 September 2008 the bank had total assets of Rs.1006.82 billion.[3] For the fiscal year 2010-11, the bank has reported net profit of 3,926.30 crore (US$871.64 million), up 33.1% from the previous fiscal. Total annual earnings of the bank increased by 20.37% reaching at 24,263.4 crore (US$5.39 billion) in 201011.[4] It is one of the Big Four banks of India, along with State Bank of India, ICICI Bank and Punjab National Bankits main competitors. Contents [hide] 1 History 2 Business focus 2.1 Wholesale banking services 2.2 Retail banking services 2.3 Treasury 3 Distribution network 4 References 5 External links

[edit] History HDFC Bank was incorporated in 1994 by Housing Development Finance Corporation Limited (HDFC), India's largest housing finance company. It was among the first companies to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. The Bank started operations as a scheduled commercial bank in January 1995 under the RBI's liberalisation policies.

Times Bank Limited (owned by Bennett, Coleman & Co. / Times Group) was merged with HDFC Bank Ltd., in 2000. This was the first merger of two private banks in India. Shareholders of Times Bank received 1 share of HDFC Bank for every 5.75 shares of Times Bank. In 2008 HDFC Bank acquired Centurion Bank of Punjab taking its total branches to more than 1,000. The amalgamated bank emerged with a base of about Rs. 1,22,000 crore and net advances of about Rs.89,000 crore. The balance sheet size of the combined entity is more than Rs. 1,63,000 crore.[citation needed] [edit] Business focus HDFC Bank deals with three key business segments. - Wholesale Banking Services, Retail Banking Services, Treasury. It has entered the banking consortia of over 50 corporates for providing working capital finance, trade services, corporate finance and merchant banking. It is also providing sophisticated product structures in areas of foreign exchange and derivatives, money markets and debt trading and equity research.[citation needed] [edit] Wholesale banking services Blue-chip manufacturing companies in the Indian corp to small & mid-sized corporates and agribased 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[clarification needed] for its to corporate customers, mutual funds, stock exchange members and banks. [edit] Retail banking services 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 2009, the bank had a total card base (debit and credit cards) of over 13 million. The Bank is also one of the leading players in the merchant acquiring business with over 70,000 Point-of-sale (POS) terminals for debit / credit cards acceptance at merchant establishments. The Bank is positioned in various net based B2C opportunities including a wide range of internet banking services for Fixed Deposits, Loans, Bill Payments, etc. [edit] Treasury Within this business, the bank has three main product areas - Foreign Exchange and Derivatives, Local Currency Money Market & Debt Securities, and Equities. These services are provided through the bank's 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. this is all about HDFC. [edit] Distribution network

An HDFC Bank Branch HDFC Bank is headquartered in Mumbai. The Bank has an network of 1725 branches spread in 780 cities across India. All branches are linked on an online real-time basis. Customers in over 500 locations are also serviced through Telephone Banking. The Bank has a presence in all major industrial and commercial centres across the country. Being a clearing/settlement bank to various leading stock exchanges, the Bank has branches in the centres where the NSE/BSE have a member base. The Bank also has 5,016 networked ATMs across these cities. Moreover, 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. [edit] References 1. ^ "HDFC_Bank_Annual_Report_0809". //www.hdfcbank.com.
http://www.hdfcbank.com/common/pdf/corporate/HDFC_Bank_Annual_Report_0809_I.pdf. Retrieved 2010-07-26.

2. ^ a b c d e "2010 Form 10-K, HDFC Bank Limited". Hoovers.

http://www.hoovers.com/company/HDFC_Bank_Limited/rytctti-1-1njea5.html.

3. ^ "HDFC bank shrinks advances - Livemint 14th January 2009". Livemint.com. 2009-01-14.
http://www.livemint.com/2009/01/14225111/HDFC-Bank8217s-advances-shr.html. Retrieved 2010-08-20.

4. ^ http://articles.economictimes.indiatimes.com/2011-04-18/news/29444004_1_hdfc-bank-q4-netprofit-cent-jump

[edit] External links Official site

Companies portal

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[show]v d e Banking in India C e n t r a l Reserve Bank of India NABARD b a n k N a t i o n a Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra l Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian i s Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab e National Bank Syndicate Bank UCO Bank Union Bank of India United Bank of d India Vijaya Bank b a n k s S State Bank of India State Bank of Bikaner & Jaipur State Bank of Hyderabad State t Bank of Indore State Bank of Mysore State Bank of Patiala State Bank of Travancore a t e B a n k G r

o u p P r i v Axis Bank Bank of Rajasthan Catholic Syrian Bank Dhanalakshmi Bank South Indian a Bank City Union Bank Federal Bank HDFC Bank ICICI Bank IndusInd Bank t ING Vysya Bank Jammu & Kashmir Bank Karnataka Bank Limited Karur Vysya e Bank Kotak Mahindra Bank Lakshmi Vilas Bank Nainital Bank Ratnakar Bank b Saraswat Bank Tamilnad Mercantile Bank Limited Yes Bank Development Credit a Bank n k s F o r e i ABN AMRO Abu Dhabi Commercial Bank Antwerp Diamond Bank Arab Bangladesh g Bank Bank International Indonesia Bank of America Bank of Bahrain and Kuwait n Bank of Ceylon Bank of Nova Scotia The Bank of Tokyo-Mitsubishi UFJ Barclays Bank Citibank India Credit Suisse HSBC Standard Chartered Deutsche Bank b a Royal Bank of Scotland n k s R North Malabar Gramin Bank South Malabar Gramin Bank Pragathi Gramin Bank e Shreyas Gramin Bank g i o n a l R u r a l

b a n k s HDFC Bank is a private bank set up in 1994 during Reserve Bank of Indias liberalization phase of privatizing banking services in India. HDFC Bank as per Forbes Global 2000 list of companies is ranked 1093rd. HDFC Bank promoted by Housing Finance Development Corporation started commercial operations in 1995 as HDFC Bank Limited. In its objective of providing customer satisfaction, HDFC Bank is committed to provide retail and corporate service to customers across locations. HDFC Banks philosophy is based on customer focus, operational excellence, product leadership, and human values.

Brief history

HDFC Bank was formed as HDFC Bank Limited by Housing Development Finance Corporation on principle approval from Reserve Bank of India in 1994. This bank set up in private sector has its registered office in Mumbai. 19.4 percent of this bank's shares are held by HDFC group, 17.6 percent in ADS (American depository shares), 28 percent by FIIs (foreign institutional investors) and remaining 35 percent by 570,000 shareholders. ADS held by HDFC Bank are listed in New York Stock Exchange.

Products and services

Products of HDFC Bank are classified into

i)Personal banking, ii)Wholesale banking, iii)NRI banking.

Personal banking Personal depository services of HDFC Bank comprise savings accounts, current accounts, term deposit accounts and demat accounts. Loans offered by HDFC include home loans, car loans, tractor loans, educational loans, guaranteed loans, and personal loans. HDFC Bank offers insurance services, credit card and locker facilities to its personal customers.

Wholesale banking Wholesale banking facilities offered by this bank include bill discounting, letter of credit, bank guarantees, working capital finance and export credit. Other wholesale banking services include project financing, asset management, and stock market services. Financing of various projects like construction equipment financing, commercial vehicle financing, medical equipment financing are provided by HDFC Bank.

NRI Banking Foreign exchange transfers, non-resident ordinary (NRO) and non-resident external (NRE) fixed deposits, and mutual funds are certain nonresident Indian (NRI) banking services provided by HDFC Bank.

Financials

Asset worth of HDFC Bank, as on March 2008, was around $21.09 billion. Sales in that specified time amounted to about $1.96 billion and profits worth $0.27 billion were generated.

Awards and recognition

Few of awards won by HDFC Bank in 2008 include: It has been adjudged Best Bank of 2008 by Business India It has been awarded Best Retail Bank 2008 by Asian Banker Excellence

Microsoft and Indian Express Group conferred Security Strategist Award 2008 to HDFC Bank

Current financial crisis

Global financial crisis has resulted in a loss of more than INR.30,000 crore valuation in Bombay Stock Exchange. To counter this, HDFC Bank has decided on implementing stricter lending prerequisites, and lesser credit exposure in retail segment. ... Disqus Login About Disqus Like Dislike

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i a l S e r v i c e s Retrieved from "http://en.wikipedia.org/wiki/HDFC_Bank" Categories: Companies listed on the Bombay Stock Exchange | Companies listed on the National Stock Exchange of India | Companies listed on the New York Stock Exchange | Companies listed on NASDAQ | Banks of India | Economy of Mumbai | Economy of Maharashtra | Companies based in Mumbai | Banks established in 1994 Hidden categories: Articles with a promotional tone from May 2011 | All articles with a promotional tone | All articles with unsourced statements | Articles with unsourced statements from May 2011 | All pages needing cleanup | Wikipedia articles needing clarification from May 2011 | Use dmy dates from May 2011
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Management - HDFC Bank

Name C M Vasudev Harish Engineer Renu Karnad Pandit Palande Bobby Parikh Name Aditya Puri Paresh Sukthankar Ashim Samanta Partho Datta

Designation Chairman / Chair Person Executive Director Director Director Director Designation Managing Director Executive Director Director Director Director

Anami N Roy

Explore HDFC Bank connections ICICI Bank HDFC Bank Axis Bank Kotak Mahindra IndusInd Bank YES BANK Federal Bank Karur Vysya ING Vysya Bank JK Bank

1,035.90 2,362.45 1,235.15 440.50 259.45 293.50 457.75 413.50 341.75 803.65

119,312.10 109,907.24 50,753.49 32,459.19 12,089.59 10,188.77 7,825.91 4,835.47 4,134.72 3,895.92

25,974.05 19,928.21 15,154.81 4,303.56 3,589.36 4,041.74 4,052.03 2,217.69 2,694.06 3,713.13

5,151.38 3,926.39 3,388.49 818.18 577.32 727.13 587.08 415.59 318.65 615.20

363,399 277,352 242,713 37,436 35,369 59,007 43,675 21,993 33,880 42,546

Company Description
HDFC Bank may not fulfill your spiritual needs, but it can help with your finances. The bank provides a variety of wholesale, retail, and depository financial services through more than 1,700 branches and some 5,000 ATMs throughout India. Established by financial institution Housing Development Finance Corporation in 1994, the bank offers deposit accounts, loans, credit cards, insurance, investments, and related services. Subsidiary HDFC Securities provides online brokerage services. HDFC Bank

targets individual customers in the middle and upper-class, as well as trusts, small businesses, and not-for-profit organizations in the country.

To read the full description: Subscribe Now

Top 10 Competitors for HDFC Bank Ltd

HDFC Bank Ltd faces competition from: 1. HBC : HSBC Holdings PLC : $147.1B 2. JPM : JPMorgan Chase & Co : $129.4B 3. WFC : Wells Fargo & Co : $114.4B 4. STD : Banco Santander SA : $82.5B 5. MTU : Mitsubishi UFJ Financial Group : $74.2B 6. BAC : Bank Of America Corporation : $70.9B 7. BNPQY : Bnp Paribas : $66.6B 8. RY : Royal Bank of Canada : $50.4B 9. CS : Credit Suisse Group : $49.7B 10. BBV : Banco Bilbao Vizcaya Argentaria SA : $44.6B Employees The number of our employees increased from 37,836 as of March 31, 2008 to 52,687 as of March 31, 2009. The growth in the employee base was in line with the growth in the banks businesses and distribution both inorganically as well as organically. Most of our employees are located in India. We consider our relations with our employees to be good. Since the merger with Centurion Bank of Punjab, 394 employees of the erstwhile Lord Krishna Bank Ltd. (which was merged with Centurion Bank of Punjab with effect from August 29, 2007), continue to be part of a labor union. These employees represent approximately 0.8% of the Banks total employees. We use incentives in structuring compensation packages and have established a performance-based bonus scheme under which permanent employees have a variable pay component of their salary. In addition to basic compensation, employees are eligible to participate in our provident fund and other employee benefit plans. The provident fund, to which both we and our employees contribute, is a savings scheme, required by government regulation, under which the fund is required to pay to employees a minimum annual return, which at present is 8.5%. If the return is not generated internally by the fund, we are liable for the difference. Our provident fund has generated sufficient funds internally to meet the annual return requirement since inception of the fund. We have also set up a superannuation fund to which we contribute defined amounts. In addition, we contribute specified amounts to a gratuity fund set up pursuant to Indian statutory requirements. We focus on training our employees on a continuous basis. We have a training center in Mumbai, where we conduct regular training programs for our employees. Management and executive trainees generally undergo up to eight-week training modules covering every aspect of banking. We offer courses conducted by both internal and

external faculty. In addition to ongoing on-the-job training, we provide employees courses in specific areas or specialized operations on an as-needed basis.
This excerpt taken from the HDB 20-F filed Sep 29, 2008.

Employees Our number of employees increased from 21,477 as of March 31, 2007 to 37,836 as of March 31, 2008, primarily as a result of us directly employing staff to perform activities that were formerly outsourced to third parties, including our affiliate, HBL Global Private Limited (HBL), in order to have more control over the marketing of our products and facilitate compliance with the KYC norms. Our overall expense did not increase because the fees we previously paid to HBL were reduced. See Related Party Transactions. Headcount also increased due to general growth in our business. The increase in our number of employees also resulted from the expansion of our branch network, an increase in the territories we cover and substantial growth in our retail business, particularly in the credit card market. Almost all our employees are located in India. As of March 31, 2008, approximately 14% of our employees were managers or senior managers, and approximately 3% were assistant vice presidents, vice presidents or group heads. More than 99% of our employees have university degrees. We consider our relations with our employees to be good. Our employees do not belong to any union. We use incentives in structuring compensation packages and have established a performance-based bonus scheme under which permanent employees have a variable pay component of their salary. In addition to basic compensation, employees are eligible to participate in our provident fund and other employee benefit plans. The provident fund, to which both we and our employees contribute, is a savings scheme, required by government regulation, under which the fund is required to pay to employees a minimum annual return, which at present is 8.5%. If the return is not generated internally by the fund, we are liable for the difference. Our provident fund has generated sufficient funds internally to meet the annual return requirement since inception of the fund. We have also set up a superannuation fund to which we contribute defined amounts. In addition, we contribute specified amounts to a gratuity fund set up pursuant to Indian statutory requirements. We focus on training our employees on a continuous basis. We have a training center in Mumbai, where we conduct regular training programs for our employees. Management and executive trainees generally undergo up to eight-week training modules covering every aspect of banking. We offer courses conducted by both internal and external faculty. In addition to ongoing on-the-job training, we provide employees courses in specific areas or specialized operations on an as-needed basis.
This excerpt taken from the HDB 20-F filed Jul 10, 2007.

Employees

Our number of employees increased from 14,878 as of March 31, 2006 to 21,477 as of March 31, 2007, primarily as a result of us directly employing staff to perform activities that were formerly outsourced to third parties, including our affiliate, HBL Global Private Limited (HBL), in order to have more control over the marketing of our products and facilitate compliance with the KYC norms. Our overall expense did not increase because the fees we previously paid to HBL were reduced. See Related Party Transactions. Headcount also increased due to general growth in our business. The increase in our number of employees also resulted from the expansion of our branch network, an increase in the territories we cover and substantial growth in our retail business, particularly in the credit card market. Almost all our employees are located in India. As of March 31, 2007, approximately 16% of our employees were managers or senior managers, and 4% were assistant vice presidents, vice presidents or group heads. More than 99% of our employees have university degrees. 21
Table of Contents

We consider our relations with our employees to be good. Our employees do not belong to any union. We use incentives in structuring compensation packages and have established a performance-based bonus scheme under which permanent employees have a variable pay component of their salary. In addition to basic compensation, employees are eligible to participate in our provident fund and other employee benefit plans. The provident fund, to which both we and our employees contribute, is a savings scheme, required by government regulation, under which the fund is required to pay to employees a minimum annual return, which at present is 8.5%. If the return is not generated internally by the fund, we are liable for the difference. Our provident fund has generated sufficient funds internally to meet the annual return requirement since inception of the fund. We have also set up a superannuation fund to which we contribute defined amounts. In addition, we contribute specified amounts to a gratuity fund set up pursuant to Indian statutory requirements. We focus on training our employees on a continuous basis. We have a training center in Mumbai, where we conduct regular training programs for our employees. Management and executive trainees generally undergo up to eight week training modules covering every aspect of banking. We offer courses conducted by both internal and external faculty. In addition to ongoing on-the-job training, we provide employees courses in specific areas or specialized operations on an as-needed basis.

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