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Summary:HDFC Bank Limited is India housing development finance Corporation, a subsidiary, is India's second-largest new-generation private commercial banks, is also India's largest mortgage lender company. It is India's largest mortgage lender company was founded in 1994. 3 a-level national awards in 2003 (from authoritati..
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HDFC Bank Limited is India housing development finance Corporation, a subsidiary, is India's second-largest new-generation private commercial banks, is also India's largest mortgage lender company. It is India's largest mortgage lender company was founded in 1994.

3 a-level national awards in 2003 (from authoritative financial magazines of the Treasury of Hong Kong hosting) award, HDFC was voted as India's best domestic bank. HDFC is India one of the fastest growing banks in recent years, in the United States enjoyed a long overvalued after listing. The face of it, diversified banks HDFC is a mixed operation, its subsidiaries include insurance companies, fund management companies, trust companies, even a venture capital firm. In practice, however, as the company name of the Housing Development Finance Corporation Limited (real estate development and Finance Corporation), HDFC is a highly specialized real estate lending bank.

Cent, operating profits of 93% of their income comes from the real estate business, assets are real estate loan 95%. As a specialization of real estate loan Bank, HDFC in India high speed growth of mortgage market Shang do enjoy growth of joy, in 1996~2005 of ten years time in, years added loan amount turned has 10 times times, annual growth 26%; but, and fast expansion of loan different, HDFC of deposits amount since 2003 yilai far from no growth, also slightly has atrophy, its in Bank total debt financing in the of proportion also from ten years Qian of 50% above declined to today of 20% following —

— Supports rapid expansion of HDFC's financial resources is no longer a deposit, inter-bank lending among banks and direct financing in the international capital markets. In 2005, as the New York Stock Exchange-listed Bank, the year the company completed a private placement bond financing in New York. At present, the only 19% of the debt financing comes from deposits of HDFC, the remaining four from foreign banks to lend to, 11% from 33% from domestic bank loans, bonds and convertible bonds ' financing. In a sense, HDFC is gradually developing into a loan only, not deposits of banks. In fact, specialized in real estate loans have HDFC to completely get rid of the shackles of deposits. Specialization of risk recognition ability and business marketing advantage, again plus India residential market of flourish, company of income and profit high speed growth, added loan amount ten years time turned has 10 times times, annual growth 26%, net profit in recently ten years in the also keep with annual 17.6% of high growth, recently three years reached 22%, each unit income from 10 rupees growth to 50 rupees, ten years annual growth 17.5%, but most important of is: net assets return from ten years Qian of 15% rose to 28%,

Rose almost 1 time! Performance of high growth for HDFC won has AAA of credit rating, and obtained has international investors of favored, to make it can in domestic and international capital markets Shang gets large low cost funds, and without relies on deposits business financing —— despite absorption savings deposits of interest rate cost to than loan or release bonds low, but for HDFC this class emerging Bank, consider to points of construction cost and maintenance costs, actual financing cost does not must than loan or bonds low. In recent years, through loan financing, companies gain a spread of relatively stable yield, while the cost income ratio also declined, HDFC spreads benefits is in fact India banks higher.

Finally, the advantages of such asset profitability reflected less in deposit banking outlets under the asset-light strategy, further improve the company's return on capital levels, thus forming a overestimated the value of the capital market. HDFC has completely subverted the traditional corporate loans personal deposits of banks earning its full advantage of real estate loans, loans to business advantage to attract domestic and foreign low-cost funds, then these funds to promote further development of advantage loans.

Thanks to the international capital markets financing channels, HDFC specialized lending itself to maximize the advantages, and gradually reduce spending too much on competitive deposits, thereby becoming a loan without deposit Bank. Contact phone: 1800, (022) 6,160.0 4 3 0 . Com

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1 floor HDFC [*.*.*.*] published in 2013/05/21/ 08:39:00
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HDFC Bank Limited is India housing development finance Corporation, a subsidiary, is India's second-largest new-generation private commercial banks, is also India's largest mortgage lender company. It is India's largest mortgage lender company was founded in 1994. 3 a-level national awards in 2003 (from authoritati..

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