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s value as new branch licences may not always come in the desired mix and the presence of existing customers provides an additional advantage. CBoP has a larger presence in the north and south regions of India, and post the merger, HDFC Bank's presence would expand its presence. Thus, HDFC Bank can now effectively leverage this network of CBoP to generate higher CASA (ratio of current and saving deposits to total deposits) per branch.This makes HDFC Bank the largest private bank in terms of branches and makes up for two years of branch licensing, even under benign regulatory dispositions on branches.

In FY2007-08, HDFC Bank's advances grew 35% y-o-y to INR634,270 million, with retail advances growing 39% y-o-y and wholesale advances growing 30% y-o-y deposits grew 48% y-o-y to INR1,007,690 million, with the CASA ratio remaining strong at around 54.5%. The Bank continued to manage its balance sheet growth and profitability astutely, once again going slow in the fourth quarter of the financial year, unlike most other banks. As a result, in spite of the credit/deposit ratio declining to 63%, NIMs (as reported by the Bank) improved by about 10bp sequentially, allowing the Bank to post 47% y-o-y growth in Net Interest Income (NII).

The Bank's non-interest income grew 39% y-o-y, though sequentially it declined due to lower treasury gains in 4QFY2008. Core fee Income comprising 89% of non-interest income, grew 38% y-o-y to INR4900 million. Income from the forex business came in 19% lower sequentially.The Bank refrained from disclosing specific details about its forex business.

The Bank delivered a y-o-y net profit growth of 37% to Rs4,710 million (Rs3,440 million) in line with estimates and driven by robust core performance. Return on equity (ROE) was lower at 17.7% for FY2008 and is expected to further decline due to the merger with Centurion Bank of Punjab and further equity dilution pursuant to preferential allotment to HDFC. Pertinently, the Bank's Return on assets (ROA) continues to be superior at 1.4% and is expected to remain at those levels going ahead also. The Bank's robust performance lifted its stock price from $64.45 at the end of FY07 to $98.24 at the end of FY08.

Q.4 What according to you are the weakness of your organization?

From Fig 5.4 it is seen that 60% of the respondents feel that derivates exposure and increasing provisions is the biggest weakness of HDFC Bank Ltd and 40% of the respondents felt that rising non-performing loans (NPLs) was the weakness that gripped HDFC Bank Ltd.

The bank's volume of non-performing loans (NPLs) has increased in recent years. Over the period 2004-2006, HDFC's NPLs increased at a CAGR of 141.9% to reach INR1,578.9 million ($35.5 million).This has resulted in an increase in the bank's NPL ratio (ratio of net non-performing customer assets as a percentage of net customer assets) from 0.2% in 2004 to 0.4% in 2006. As of March 31, 2008, the Bank's ratio of gross nonperforming loans (NPLs) to total customer assets was 1.29%. Net non-performing loans (gross nonperforming assets less specific loan loss provisions, interest in suspense and ECGC claims received) were 0.42% of customer assets as of March 31, 2008. The ratio of Net NPLs to Net Advances本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。