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Specially, the asset quality issues of CBoP in personal loans and 2 Wheelers portfolio compounds HDFC Bank's NPA issues. Increasing NPL's indicates that the bank expects greater number of delinquencies on the loans made, which indicates scope for improving credit risk management.

For the FY2008, HDFC Bank made a provisioning of INR1,727 million for multiple contingencies, including around INR1000 million for a possible hit on account of domestic derivatives exposure.

The Bank maintains that it has no exposure in any instruments like collateralized debt obligations and credit linked notes. However, the Bank has been dragged to court by a few customers over derivatives consequent to that it also has set aside a small sum for litigation.

Provisions and contingencies for the Jan-March 2008 quarter stood at INR4,651 million (vs INR 2,671 million in Jan-March, 2007), comprising specific provisions for non-performing assets and general provisions for standard assets of INR2,930 million and provisions for tax, legal and other contingencies of INR1,727 million. While derivatives exposure increases the risk profile and contingent losses, higher provisioning is eating into the profits of the bank.

Q.5 What according to you are the opportunities available for your organization?

From Fig 5.5 it is seen that 55% of the respondents feel that untapped rural market is the greatest opportnity of HDFC Bank Ltd, 25% of the respondents said that domestic remittance market is a good opportunity for HDFC Bank Ltd and 20% of the respondents felt that the growing Indian Banking Industry is the biggest opportunity for HDFC Bank Ltd.

The rural credit market (comprising farmers, traders, entrepreneurs and other rural households) in India is relatively untapped. According to industry estimates, about 80% of the rural households in India at the end of 2004 had no access to formal lending. About 46% of these used informal lending channels, 24% of which resorted to unregulated money lenders. These unregulated money lenders charge astronomical interest rates on their loans which reflect that there is scope for cheaper and more formal lending in the rural credit market. The rural economy accounts for more than two-thirds of India's population and has great untapped potential.

The bank has relationships with over 25 microfinance institutions and has provided financing where the end beneficiaries exceed 300,000 households. The bank has introduced products addressing the needs of this sector including the Kisan Gold Card. Also, it has undertaken rural supply chain initiatives and commodity finance covering the entire agriculture financing cycle in the last few years. These initiatives position HDFC to tap opportunities from this sector and realize greater revenues going forward.

The value of the global remittance industry is around $318 billion in 2007. According to World Bank, India is the world's largest recipient of remittances, with over a receipt of over $27 billion in 2007. To 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。