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o Help <http://support.scribd.com> o Log Out </logout?return_to=%2Fdoc%2F17372349%2FALL-ABOUT-HDFC-BANK> 1 First Page Previous Page Next Page / 64 Sections not available Zoom Out Zoom In Fullscreen Exit Fullscreen Select View Mode View Mode SlideshowScroll Readcast Add a Comment Embed & Share <#>Readcast Reading should be social! Post a message on your social networks to let others know what you're reading. Select the sites below and start sharing. Check_27x27Transparent Check_27x27TransparentLink account <#> Check_27x27TransparentLink account <#> Readcast this DocumentTransparent <#> Readcast Complete! Click 'send' to Readcast! edit preferences <#> *Set your preferences for next time...*Choose 'auto' to readcast without being prompted. <#><#> raveendrared... Link account <#> Link account <#> Advanced <http://www.scribd.com/account/edit#sharing><#>Cancel <#> <#> Add a Comment Submit Characters: 400 <#> Share & Embed <http://www.facebook.com/sharer.php?u=https%3A%2F%2Ffanyv88.com%3A443%2Fhttp%2Fwww.scribd.com%2Fdoc%2F173723 49%2FALL-ABOUT-HDFC-BANK%23source%3Afacebook><http://twitter.com/home?source=scr

ibd.com&status=Reading%20%22ALL%20ABOUT%20HDFC%20BANK%22%20on%20Scribd%20http%3A %2F%2Fwww.scribd.com%2Fdoc%2F17372349%20%23Readcast><http://www.google.com/buzz/ post?url=https%3A%2F%2Ffanyv88.com%3A443%2Fhttp%2Fwww.scribd.com%2Fdoc%2F17372349%2FALL-ABOUT-HDFC-BANK&mess age=> <#> Add to Collections Download this Document for Free Auto-hide: off <#> The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. HDFC is India's premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian environment. HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the bank's risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. HDFC Bank's business philosophy is based on four core values - Operational Excellence, Customer Focus, Product Leadership and People. Capital Structure As on 31st March, 2009 the authorised share capital of HDFC Bank is Rs. 550 crore. The paid-up capital as on the said date is Rs. 425,38,41,090/- ( 42,53,84,109 equity shares of Rs

10/- each). The HDFC Group holds 19.38% of the Bank's equity and about 17.70 % of the equity is held by the ADS Depository (in respect of the bank's American Depository Shares (ADS) Issue). 27.69 % of the equity is held by Foreign Institutional Investors (FIIs) and the Bank has about 5,48,774 shareholders. The shares are listed on the Bombay Stock Exchange Limited and The National Stock Exchange of India Limited. The Bank's American Depository Shares ( ADS ) are listed on the New York Stock Exchange (NYSE) under the symbol 'HDB' and the Bank's Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange under ISIN No US40415F2002. On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was formally approved by Reserve Bank of India to complete the statutory and regulatory approval process. As per the scheme of amalgamation, shareholders of CBoP received 1 share of HDFC Bank for every 29 shares of CBoP. The merged entity will have a strong deposit base of around crore and net advances of around Rs. 89,000 crore. The balance sheet size combined entity would be over Rs. 1,63,000 crore. The amalgamation added significant HDFC Bank in terms of increased branch network, geographic reach, and customer bigger pool of skilled manpower. Rs. 1,22,000 of the value to base, and a

In a milestone transaction in the Indian banking industry, Times Bank Limited (another new private sector bank promoted by Bennett, Coleman & Co. / Times Group) was merged with HDFC Bank Ltd., effective February 26, 2000. This was the first merger of two private banks in the New Generation Private Sector Banks. As per the scheme of amalgamation approved by the shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank received 1 share of HDFC Bank for every 5.75 shares of Times Bank. HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of over 1412 branches spread over 528 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's expansion plans take into account the need to have a presence in all major industrial and commercial centres where its corporate customers are located as well as

the need to build a strong retail customer base for both deposits and loan products. Being a clearing/settlement bank to various leading stock exchanges, the Bank has branches in the centres where the NSE/BSE have a strong and active member base. The Bank also has a network of about over 3295 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. Mr. Jagdish Capoor took over as the bank's Chairman in July 2001. Prior to this, Mr. Capoor was a Deputy Governor of the Reserve Bank of India. The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25 years, and before joining HDFC Bank in 1994 was heading Citibank's operations in Malaysia. The Bank's Board of Directors is composed of eminent individuals with a wealth of experience in public policy, administration, industry and commercial banking. Senior executives representing HDFC are also on the Board. Senior banking professionals with substantial experience in India and abroad head various businesses and functions and report to the Managing Director. Given the professional expertise of the management team and the overall focus on recruiting and retaining the best talent in the industry, the bank believes that its people are a significant competitive strength. HDFC Bank operates in a highly automated environment in terms of information technology and communication systems. All the bank's branches have online connectivity, which enables the bank to offer speedy funds transfer facilities to its customers. Multi-branch access is also provided to retail customers through the branch network and Automated Teller Machines (ATMs). The Bank has made substantial efforts and investments in acquiring the best technology available internationally, to build the infrastructure for a world class bank. The Bank's business is supported by scalable and robust systems which ensure that our clients always get the finest services we offer. The Bank has prioritised its engagement in technology and the internet as one of its key goals and has already made significant progress in web-enabling its core businesses. In each of its businesses, the Bank has succeeded in leveraging its market position,

expertise and technology to create a competitive advantage and build market share. HDFC Bank offers a wide range of commercial and transactional banking services and treasury products to wholesale and retail customers. The bank has three key business segments: Wholesale Banking Services The Bank's target market ranges from large, blue-chip manufacturing companies in the Indian corporate to small & mid-sized corporates and agri-based 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 structured solutions, which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers. Based on its superior product delivery / service levels and strong customer orientation, the Bank has made significant inroads into the banking consortia of a number of leading Indian corporates including multinationals, companies from the domestic business houses and prime public sector companies. It is recognised as a leading provider of cash management and transactional banking solutions to corporate customers, mutual funds, stock exchange members and banks. Retail Banking Services The objective of the Retail Bank is to provide its target market customers a full range of financial products and banking services, giving the customer a one-stop window for all his/her banking requirements. The products are backed by world-class service and delivered to customers through the growing branch network, as well as through alternative delivery channels like ATMs, Phone Banking, NetBanking and Mobile Banking. The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank Plus and the Investment Advisory Services programs have been designed keeping in mind needs of customers who seek distinct financial solutions, information and advice on various investment avenues. The Bank also has a wide array of retail loan products including Auto Loans, Loans against marketable securities, Personal

Loans and Loans for Two-wheelers. It is also a leading provider of Depository Participant (DP) services for retail customers, providing customers the facility to hold their investments in electronic form. 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 well positioned as a leader in various net based B2C opportunities including a wide range of internet banking services for Fixed Deposits, Loans, Bill Payments, etc. Treasury Within this business, the bank has three main product areas - Foreign Exchange and Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the liberalisation of the financial markets in India, corporates need more sophisticated risk management information, advice and product structures. These and fine pricing on various treasury products 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. Credit Rating The Bank has its deposit programs rated by two rating agencies - Credit Analysis & Research Limited (CARE) and Fitch Ratings India Private Limited. The Bank's Fixed Deposit programme has been rated 'CARE AAA (FD)' [Triple A] by CARE, which represents instruments considered to be "of the best quality, carrying negligible investment risk". CARE has also rated the bank's Certificate of Deposit (CD) programme "PR 1+" which represents "superior capacity for repayment of short term promissory obligations". Fitch Ratings India Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assigned the "AAA ( ind )" rating to the Bank's deposit programme, with the outlook on the rating as "stable". This rating indicates "highest credit quality" where

"protection factors are very high" The Bank also has its long term unsecured, subordinated (Tier II) Bonds rated by CARE and Fitch Ratings India Private Limited and its Tier I perpetual Bonds and Upper Tier II Bonds rated by CARE and CRISIL Ltd. CARE has assigned the rating of "CARE AAA" for the subordinated Tier II Bonds while Fitch Ratings India Pvt. Ltd. has assigned the rating "AAA (ind)" with the outlook on the rating as "stable". CARE has also assigned "CARE AAA [Triple A]" for the Banks Perpetual bond and Upper Tier II bond issues. CRISIL has assigned the rating "AAA / Stable" for the Bank's Perpetual Debt programme and Upper Tier II Bond issue. In each of the cases referred to above, the ratings awarded were the highest assigned by the rating agency for those instruments. Corporate Governance Rating The bank was one of the first four companies, which subjected itself to a Corporate Governance and Value Creation (GVC) rating by the rating agency, The Credit Rating Information Services of India Limited (CRISIL). The rating provides an independent assessment of an entity's current performance and an expectation on its "balanced value creation and corporate governance practices" in future. The bank has been assigned a 'CRISIL GVC Level 1' rating which indicates that the bank's capability with respect to wealth creation for all its stakeholders while adopting sound corporate governance practices is the highest. Overview Year 2007 Archives Credit Rating Corporate Governance Rating Be aware of frauds Security Tips Security measures at HDFC Bank Shareholding pattern History of Share issues Bonds Issue History Phishing Money Mules Internet Banking Online Shopping /

Payments Computer security Internet Browsing Email Security Awards and Achievements - Banking Services HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". We realised that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. 2009 Euromoney Awards 2009 'Best Bank in India' Economic Times Brand Equity & Nielsen Research annual survey 2009 Most Trusted Brand - Runner Up Asia Money 2009 Awards 'Best Domestic Bank in India' IBA Banking Technology Awards 2009 'Best IT Governance Award - Runner up' Global Finance Award 'Best Trade Finance Bank in India for 2009 IDRBT Banking Technology Excellence Award 2008 'Best IT Governance and Value Delivery' Asian Banker Excellence in Retail Financial Services 'Asian Banker Best Retail Bank in India Award 2009 ' 2008 Finance Asia Country Awards for Achievement 2008 'Best Bank and Best Cash Management Bank' CNN-IBN 'Indian of the Year (Business)' Nasscom IT User Award 2008

'Best IT Adoption in the Banking Sector' Business India 'Best Bank 2008' Forbes Asia Fab 50 companies in Asia Pacific Asian Banker Excellence in Retail Financial Services Best Retail Bank 2008 Asiamoney Best local Cash Management Bank Award voted by Corporates Microsoft & Indian Express Group Security Strategist Award 2008 World Trade Center Award of honour For outstanding contribution to international trade services. Business TodayMonitor Group survey One of India's "Most Innovative Companies" Financial ExpressErnst & Young Award Best Bank Award in the Private Sector category Global HR Excellence Awards Asia Pacific HRM Congress: 'Employer Brand of the Year 2007 -2008' Award - First Runner up, & many more Business Today 'Best Bank' Award 2007 Dun & Bradstreet American Express Corporate Best Bank Award 2007 'Corporate Best Bank' Award The Bombay Stock Exchange and Nasscom Foundation's Business for Social Responsibility Awards 2007 'Best Corporate Social Responsibility Practice' Award Outlook Money & NDTV Profit Best Bank Award in the Private sector category. The Asian Banker

Excellence in Retail Financial Services Awards Best Retail Bank in India Asian Banker Our Managing Director Aditya Puri wins the Leadership Achievement Award for India We are aware that all these awards are mere milestones in the continuing, never-ending journey of providing excellent service to our customers. We are confident, however, that with your feedback and support, we will be able to maintain and improve our services. Financial Information The last twelve years have been very fulfilling. We can of course wax eloquent about it in so many ways, but they say, figures don't lie, so we will let the figures do all the talking. They will give you a fair idea of how we have grown in the past few years . Financial Results RBI Order of Amalgamation - CBoP Scheme of Amalgamation - CBoP (as approved by RBI) Annual Reports Contact points for shareholders: Kamala Mills Compound, Legal & Secretarial Department, 2nd Floor, Senapati Bapat Road, Lower Parel (West), Mumbai - 400 013 Telephone No. 24988484 Ext. 3463 Fax No. 2496 5235. Email:[email protected] Counter Timing: 10.30 a.m. to 3.00 p.m between Monday to Friday (except on Bank holidays). Join the winning team HDFC Bank is a young and dynamic bank, with a youthful and enthusiastic team determined to accomplish the vision of becoming aworld-class Indian bank. Our business philosophy is based on four core values -Customer Focus,Operational Excellence, Product Leadershipand People. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts. For this reason, we are committed to hiring, developing, motivating and retaining the best people in the industry. Mission and Business Strategy Our mission is to be "a World Class Indian Bank", benchmarking ourselves against international standards and best practices in terms of product

offerings, technology, service levels, risk management and audit & compliance. The objective is to build sound customer franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments, and to achieve a healthy growth in profitability, consistent with the Bank's risk appetite. We are committed to do this while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance. Our business strategy emphasizes the following : Increase our market share in India s expanding banking and financial services industry by following a disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service. Leverage our technology platform and open scaleable systems to deliver more products to more customers and to control operating costs. Maintain our current high standards for asset quality through disciplined credit risk management. Develop innovative products and services that attract our targeted customers and address inefficiencies in the Indian financial sector. Continue to develop products and services that reduce our cost of funds. Focus on high earnings growth with low volatility. Phishing Fraud What is Phishing? Phishing is an act undertaken by fraudsters to gain your private and sensitive information whereby emails sent out appear to be sent by your bank. Such fake emails encourage you to click on a link in the email which leads you to a fake website with a similar look and feel as that of the bank's authentic website. It is designed so, to capture your personal confidential account information such as Customer ID, IPIN, Credit/Debit Card number, Card expiry date, CVV numbers, etc. Customers email addresses are obtained/purchased by the fraudster through non-trusted sites where the customer would have revealed his Email Id my means of casual browsing or shared it on chat rooms, blogs or mailing lists etc. The Bank never shares its customers information such as email addresses or other private information with any third party. Alternatively emails ids can also be generated by software tools. How do the fraudsters operate? 1.Fraudster send spoofed emails, appearing to be sent by HDFC Bank, to large number of recipients with an urgent tone that calls for quick

action to verify, update or reveal your confidential account information by clicking onto a link in the email. 2.Once the recipient clicks on the link in the email, he is diverted to a fake website with a similar look and feel of the bank's original website. The customer is presented a web form to capture his confidential account information i.e. customer ID, IPIN, Credit / Debit Card numbers, Expiry date and CVV number, etc. 3.Once the unaware customer reveals his confidential account information on the fake website he may be directed to the authentic website of the bank to suppress any suspicion arising in the customer's mind. This is how the identity of customer is compromised. 4.This customer confidential account information or identity credentials are then used by the fraudster to gain access to the customer's account to commit fraudulent transactions. How do you identify a fake / phishing email? 1.While it is easy to identify some fake emails, others become difficult as they appear to be originating from the bank. The fraudster may use HDFC Bank's email address, domain name, logo, etc to give an authentic look to the fake email. 2.Do not rely on the name and source email address information in the "From" field as it may easily be manipulated by the fraudster to a valid email account of HDFC Bank or any other email address. 3.Such fake emails will always address you by a generic salutation or addressing like "Dear Customer" or "Dear Net Banking Customer" or "Dear HDFC Bank Customer". HDFC Bank's authentic emails will always address you personally by your name e.g. "Dear Mr Sameer Bedi" 4.Very often, such fake emails are poorly drafted and may have spelling or grammatical mistakes. 5.Such fake emails will always encourage you to click on to a link to verify or update your confidential account information. Please note that the Bank will never ask you for your confidential account information as the same would be available on the bank's systems. 6.The links embedded in such fake emails sometimes may look authentic but when you move the cursor/pointer over the link, there may be an underlying link to a fake website. Visual identification of phishing emails Sample1 (Account Status Notification)

Sample2 (Validate Your Account Access Online From HDFC Bank) How do you identify a counterfeit / fake website? 1.It is very difficult for an occasional internet user to identify a fake website as the fraudster designs it to replicate the bank's original website by using the bank's logo and content. 2.Verify the URL of the webpage (web page address): Most of the counterfeit/fake webpage addresses start with"http://" unlike HDFC Bank's transaction related webpages that warrants customer confidential account information (e.g. internet banking, payment gateway sites for online shopping) would start with"https://" and nothttp://. Verify the end letter "s" that ensures the security of communication by means of encryption between webpage and the visitor accessing it. HDFC Bank's home page address http://www.hdfcbank.comis not encryption enabled, as there is no customer confidential account information flowing over it. URL / website address of the fake website would be different from HDFC Bank's website address or URL. E.g. HDFC Bank's internet banking site address ishttps: //ne tbanking.hdf cbank.co m. A fake website address may behttp ://m ysite. com,http ://hfd c.co m or https://internetbanking.hfdcbank.net 3.Check the PAD LOCK symbol: Pad lock symbol depicts existence of a security certificate, also called Digital Certificate for that website. Fake websites would either not have a digital certificate to prove its authenticity or may have invalid digital certificate. Establish the authenticity of the website by verifying its digital certificate. To do so go to File => Properties => Certificatesor double click on the PAD LOCK icon at the bottom corner of your Browser window while you are at the webpage of fake website. E.g. HDFC Bank's authentic Internet Banking website's digital certificate is depicted below: Visual comparison between original and fake website Original Netbanking site of HDFC Bank Fake Website http://www.mediaworld. com/hdfc /internetbanking.html http://mysite.com /li/hdfc.htm http://hdfcbankonline. com What do you do if you receive a phishing email?

1.Bear in mind that HDFC Bank will never send emails to you asking for your confidential information. 2.Do not respond to any phishing emails by clicking on the links given, opening any attachments or replying to the sender of the email. 3.Whenever in doubt about authenticity of an email please write to us at [email protected] 4.If you are able to identify a phishing email, please forward it to [email protected]. The bank shall shut down the corresponding fake site after validation. What do you do if you have revealed your confidential information by responding to a phishing email or have become a victim of phishing? 1.If you realise soon after revealing your confidential information such as customer ID, IPIN, etc, immediately log on your NetBanking account by typing the URL in the address bar of your web browser, change the IPIN and verify recent transactions in your account. If no fraudulent transactions are observed, forward the phishing email to the bank. 2.If you discover any unauthorised transactions in your account please call up the phone banking numbers or send an email [email protected] to disable internet banking access to your account and visit your home branch immediately to report the matter at the branch for further action. Forward the phishing email to your branch manager and mark a copy (cc) [email protected]. What are Money Mules? By phishing or other means of customer identity theft, the fraudster harvests customer NetBanking credentials i.e. customer ID and IPIN with a motive to transfer money from customer account to another account holder of the same or different bank. The beneficiary account holder is referred as a"Money Mule". The beneficiary becomes accomplice unknowingly by social engineering techniques employed by the fraudster. How does the Fraudster operate? 1.These fraudsters generally operate from across a country other than where the fraud is to be committed to keep themselves away from local law enforcement agencies. They either maintain anonymity or use fictitious identity to commit these frauds. 2.Fraudsters launch their attack using social engineering techniques by contacting the prospective money mules either by sending emails, in chat rooms, job search websites or through internet blogs.

3.Fraudsters lure the prospective money mules to share their bank account details by telling them a fake story and convincing them to receive money in their accounts. Fraudsters also offer a part of their money or commission and persuade them to unknowingly act as money mules. 4.Fraudsters then transfer money from the bank customer account whose Internet Banking customer ID and IPIN / password has been harvested either by means of phishing or through other means of identity theft. 5.Money Mule is then directed by the fraudster to retain commission and transfer balance money either through wire transfer or to an account of another money mule by means of online transfer or cash deposit thereby forming a chain of fraud. 6.Such money transfers would ultimately lead to funds transfer into fraudster's account thereby maintaining anonymity. 7.When such frauds are reported the money mules become the target of law enforcement agencies as their bank accounts are used and their identity is established. How do you protect yourself from becoming a money mule? 1.The fraudster may cook different stories, however his motive will be to convince you to share your bank account details, receive money and act as per his directions. 2.Do not respond to email from strangers asking you for your bank account details. 3.For any overseas job offer, confirm the identity and contact details of the company offering the job to you. They may have hosted a company website to make it look authentic, but there may not exist any company at all in reality. 4.Do not get carried away by attractive offers or prizes. Samples of Fraud emails: Hello ! My name is Morgan Smith Bryant, I am an artist with my wife Susan Morgan, We own SUS Art World in London (United Kingdom), I live in United Kingdom with my two kids, four cats, It is definitely a full house, I have been into art work since I was a little child that gives me about 23 years of experience, I majored in art in high school and took a few college art courses, Most of my work is done in either pencil or airbrush mixed with color pencils. I have recently added designing and creating artwork on the computer, I have been selling my art for the last 3 years and have had my work featured on trading cards, prints and in magazines. I have sold in galleries and to private collectors from all

around the world, I am always facing serious difficulties when it comes to selling my art works to American and India, they are always offering to pay with credit cards only which is difficult for me to cash here in London United Kingdom. Also, i'm setting a large factory and estate in India. I am looking for a representative in the India who will be working for me as a petite worker and I will be willing to pay 10% for every transaction, which wouldn't affect your present state of work. Someone who would help me receive payments from my customers in the india mean someone that is responsible and reliable, because the cost of coming to the state and getting payments is very expensive and time consuming, I am working on setting up a branch in the India for now I need a representative in India who will be handling the payment aspect for my company. These payments will be made via bank transfer only and they would come to you in your name if you are willing to assist as a representative, so all you need to is to open a new account with ABC bank India where my customers in India and United States can be transferring money to you. After deducting your 10% you will then wire the rest to my contractor in India. If you are interested ,i want you to open an account with ABC bank India and forward all the banking information to me including your international passport first three page,birth certificate and election card to me. The only problem which I have is trust, but I have my way of getting anyone that gets away with my money mean the Federal Bureau of Investigation ( F.B.I) branch in Washington gets involve. It will not cost you any amount, you are to receive payments from customers for my company which will be sent to you into your ABC bank account. Sincerely. Morgan Smith SUS ART WORLD. NB: All charges will be deducted from the money, so you are rest assured that you wouldn't spend a dime out of your personal money. If you are interested, please get back to me as soon as possible via email with the following listed information below: #Your full name: #Your full home address, #Your age, #Occupation and as well your #marital status, and your,

#direct contact telephone number, #Drivers License / International Passport Thanks for your assistant and God bless, Internet Banking Security Tips: HDFC Bank has been one of the pioneers in extending internet banking services to cater to anytime, anywhere banking needs of its customers by leveraging on to its state-of-the-art technology platforms. Internet Banking has also been exploited by hackers and fraudsters to deceive the bank's customer and commit frauds. While the bank has best-of-the-breed solutions, processes and people deployed to extend secure banking to its customers, it is important for our customers to know that "SecUrity is incomplete without U". Customers need to follow secure computing guidelines to avert any frauds or security breaches to their accounts, as keys to the internet banking accounts are held by respective account owners in the form of Customer IDs and Internet Banking passwords (IPIN). 1.Keep your Customer ID and IPIN confidential and do not disclose it to anybody. 2.Change your IPIN as soon as you receive it by logging into your NetBanking account. Memorise your IPIN, do not write it down anywhere. 3.Refer "Protect your computer accounts with strong passwords" section under computer security tips. 4.Avoid accessing internet banking from shared computer networks such as cyber cafes. 5.Do not click on links in the emails or sites other thanwww.hdfcbank. com to access your NetBanking webpage. 6.Always visit the HDFC Bank's NetBanking site through HDFC Bank's home page by typing the bank's website address (www.hdfcbank.com) on to the browser's address bar. Users are encouraged to add the bank's URL to Favorites or Bookmark in the user computer browser. 7.Always verify the authenticity of the Bank's NetBanking webpage by checking its URL as "https://netbanking.hdfcbank.com" and the PAD Lock symbol at the bottom corner of the browser before putting in your Customer ID and IPIN. 8.If your Customer ID and IPIN appear automatically on the login page of NetBanking webpage, you should disable "Auto Complete" feature on your browser. To disable auto complete feature:

a.Open Internet Explorer, Click onTools=> Internet Options=> Content. b.Click on "Auto Complete", under "Personal Information" c.Uncheck "User names and passwords on forms", click on "Clear Passwords" d. Click "OK" 9.Use virtual keyboard feature while logging into your internet banking account. 10. Do cross check your last login information available in NetBanking upon every login to ascertain your last login and monitor any unauthorised logins. 11. Always type your confidential account information. Do not copy paste it. 12. Monitor your transactions regularly. 13. Use HDFC Bank's "InstaAlerts" service. 14. Always logout when you exit NetBanking. Do not directly close the browser. 15. In addition to the above stated points please referComputer Security Tips. Online Shopping / Payments security tips: 1.Always shop or make payments through trusted / reputed websites and bookmark those sites if you use them regularly. 2.Ensure that the URL of the website is correct by verifying it in the address bar of your computer browser. 3.Do not click on links in emails or on referral websites to visit the online shopping site. Always type the URL in the address bar of the browser to visit the website. 4.Do not enter your confidential account information such as Credit Card Numbers, Expiry Date, CVV values, etc on any pop-up windows. 5.If you are a frequent online shopper, signup for Verify by Visa and Master Card secure code program. 6. Check for PAD LOCK symbol on the webpage before furnishing your Credit Card Numbers, Expiry Date, PIN and CVV values, etc to make payments. 7.Make note of the transaction IDs for future reference incase of disputes. 8.Check your account statements regularly and bring any fraudulent transaction to the notice of Bank. 9.Do not respond to emails seeking your confidential account information that try to lure you with offers, jobs or prizes etc. Computer security tips: 1.Use licensed software on your computer Unlicensed software procured from untrustworthy sources could have malicious programs such as virus or trojans that may damage your computer by corrupting your files or may reveal your confidential data such as passwords of your various accounts, Credit/Debit card numbers, etc without your knowledge to the owner of that software. 2.Do not allow unauthorised access to you computer Unauthorised access to your computer could lead to compromise of your confidential data stored on your computer.

3.Protect your computer accounts with strong passwords Computers identify its users based on usernames and passwords unlike humans. Use strong passwords to secure your computer accounts from being compromised or misused and follow good password management practices such as: Keep alphanumeric passwords with length of minimum 8 characters. You can use phrases in sentences such as "nature's wrath tsunami" to frame your passwords as they are easy to remember and difficult to crack. Do not use dictionary based words or your personal information such as name of your spouse or child or your date of birth etc as passwords, because they are easy to crack or guess. Do not keep same passwords for multiple accounts. Maintain confidentiality of your passwords. Do not write down your passwords. Do change your passwords once in every three months. 4.Update your computer with latest security patches Install latest security patches for your operating system and other components like browser, email client, etc as released by your computer's operating system vendor. Keep your computer updated periodically of security patches and protect your computer from intrusions. 5.Use anti-virus, anti spyware and personal firewall Computers connecting to internet face a variety of threats from the internet such as infections from malware such as viruses, trojans, spyware, adware, etc that may affect the security of user computers in terms of corrupting files, system failures or transmitting user confidential data to hackers or fraudsters without the knowledge of the user. Hackers can take control of user systems by intrusions and misuse them to launch malicious attack on other systems, conduct illegal activity, gain access to your confidential information, etc. Protect your computer from malware by installing anti-virus and anti-spyware software and keep it updated with the latest signature files. Use personal firewalls to protect your computer from intrusions by hackers on the internet. Do switch off / disconnect your computers from internet when not in use. Internet Browsing Security Tips: 1.Watch your click:

You must observe click discipline while browsing through different websites. You may land up clicking on to malicious link that could download malicious code / software or virus on to your computer. 2.Do not download software from nontrustworthy sites: Downloading software from non-trustworthy sites may lead to infecting your computer with virus. Users should particularly be careful of downloading freeware which may have Trojans installed that would transmit your confidential information to a hacker or fraudster without your knowledge. 3.Read privacy policy of the website: Make sure that you read the privacy policy of the website before parting with any personal information such as name, email id, contact number, etc and be aware of how your information would be used by the website owner. Email Security Tips 1.Protect your email ID Your email ID is your identity and address on the internet and anyone may reach you from any part of the globe in minimum time and effort. Protect your email ID from being misused. 2.Do not publish your email ID on internet Do not disclose your email ID on websites, chat rooms, internet blogs or subscribe to mailing lists without having read the privacy policy of these sites. Your email ID could be shared or sold to marketing companies and may land up in the spam databases which become the target for receiving spam emails. 3.Protect your email box against spam Spam emails are unsolicited emails sent in large numbers to recipients for sales and marketing or some promotional activities. Do not reply / respond to spam emails as it may lead you to receiving more spam in your email box. 4.Do not

open email attachments in haste Do not open attachments received from unknown sender or unexpected attachments from known senders. They may contain virus infected files most of the times. 5.Do not click on the links in emails asking for confidential information Please referphishing frauds 6.Be wary of fraudulent emails You may receive emails well crafted to establish communication with you and lure you into a professional or personal relationship leading to using your Bank account for financial transactions over the internet also known as money laundering. Refer Money Mules Our Citizen's Charter offers relevant information about the products, facilities and services we provide. Customers can also find out about the time norms for various banking transactions, our policy on customer information, and the process followed for redressal of grievances. Types of Deposit Accounts Account Opening & Operation of Deposit Account Nomination Facility Interest Payments Minor's Accounts Account of Illiterate / Blind Person Addition or Deletion of the name/s of Joint A/c holders Customer Information Secrecy of Customers Premature Withdrawal of Term Deposit Renewal of Term Deposit Advance Against Deposits Deceased Deposit Accounts Insurance Cover for Deposits Stop Payment Facility Dormant Accounts Standing Instructions

Direct Debit Safe Deposit Lockers Redressal of complaints & grievances Service Charges Exchange of Soiled/ Mutilated notes ATM Card / Debit Card Hot listing Pension Accounts No Frills Account Foreign Exchange Services Time Norms for Various Banking Transactions Cheque Collection Policy While various deposit products offered by the bank are assigned different names, the deposit products can be categorised broadly into the following types. Definition of major deposit schemes are as under : "Demand Deposits " means a deposit received by the bank which is withdrawable on demand; "Savings Deposits" means a form of Demand Deposit which is subject to restrictions as to the number of withdrawals as also the amounts of withdrawals permitted by the bank during any specified period; "Term Deposit" means a deposit received by the bank for a fixed period withdrawable only after the expiry of the fixed period and includes deposits such as Recurring / Double Benefit Deposits / Short Deposits / Fixed Deposits / Monthly Income Certificate / Quarterly Income Certificate etc. ''Notice Deposit'' means Term Deposit for a specific period but withdrawable on giving at least one complete banking day's notice; "Current Account" means a form of Demand Deposit wherefrom withdrawals are allowed any number of times depending upon the balance in the account or up to a particular agreed amount and will also include other deposit accounts which are neither Savings Deposit nor Term Deposit; Before opening any Deposit Account, the bank will carry out due diligence as required under "Know Your Customer" (KYC) guidelines issued by RBI and or such other norms or procedures adopted by the bank. If the decision to open an account of a prospective depositor requires clearance at a higher level, reasons for any delay in opening of the

account will be informed to him and the final decision of the bank will be conveyed at the earliest to him. The account opening forms and other material would be provided to the prospective depositor by the bank. The same will contain details of information to be furnished and documents to be submitted for verification and / or for record. It is expected of the bank official to explain the procedural formalities and provide necessary clarifications sought by the prospective depositor when he approaches the bank for opening a Deposit Account. For deposit products like Savings Bank Account and Current Deposit Account, the bank will normally stipulate certain minimum/average balances to be maintained as a part of the terms and conditions governing operation of such accounts. Failure to maintain stipulated minimum/ average balance in the account will attract levy of charges as specified by the bank. For Savings Bank Account, the bank may also restrict the number of transactions, cash withdrawals, etc., for a given period. Similarly, the bank may specify charges for issue of cheque books, additional statement of accounts, duplicate pass book, folio charges, etc. All such details, regarding terms and conditions for operation of the accounts and schedule of charges for various services provided will be communicated to the prospective depositor while opening the account. Savings Bank Accounts can be opened for eligible person / persons and certain organizations / agencies (as advised by Reserve Bank of India (RBI) from time to time).These accounts are designed to help the individual (personal customers) to inculcate the habit of saving money and to meet their future requirement of money. The amounts can be deposited/withdrawn from these accounts by way of cheques/ATM. It helps customers to keep minimum cash at home besides earning interest. Current Accounts can be opened by Individuals / Partnership firms / Private and Public Limited Companies / HUFs / Specified Associates / Societies / Trusts, etc. Term Deposit Accounts can be opened by Individuals / Partnership firms / Private and Public Limited Companies / HUFs/ Specified Associates / Societies / Trusts, etc. Bank has tailored various deposit schemes to suit the needs and expectations of investing people in every walk of life.

The due diligence process, while opening a Deposit Account will involve satisfying about the identity of the person, verification of address, satisfying about his occupation and source of income. Obtaining introduction of the prospective depositor from a person acceptable to the bank and obtaining recent photographs of the person/s opening / operating the account are part of the due diligence process. In addition to the due diligence requirements, under KYC norms the bank is required by law to obtain Permanent Account Number (PAN) or General Index Register (GIR) Number or alternatively declaration in Form No. 60 or 61 as specified under the Income Tax Act / Rules. Deposit Accounts can be opened by an individual in his own name (status: known as account in single name) or by more than one individual in their own names (status: known as Joint Account). Savings Bank Account can also be opened by a minor jointly with natural guardian or with mother as the guardian (Status: known as Minor's Account). Minors above the age of 12 will also be allowed to open and operate Saving Bank Account independently. Operation of Joint Account: The Joint Account opened by more than one individual can be operated by single individual or by more than one individual jointly. The mandate for operating the account can be modified with the consent of all account holders. The Savings Bank Account opened by minor jointly with natural guardian / guardian can be operated by natural guardian only. The joint account holders can give any of the following mandates for the disposal of balance in the above accounts : Either or Survivor : If the account is held by two individuals say, A & B, the final balance alongwith interest, if applicable, will be paid to survivor on death of any one of the account holders. Anyone or Survivor/s : If the account is held by more than two individuals say, A, B and C, the final balance alongwith interest, if applicable, will be paid to the survivor on death of any two account holders. The above mandates will be applicable to or become operational only on or after the date of maturity of term deposits. This mandate can be modified by the consent of all the account

holders. At the request of the depositor, the bank will register the mandate / power of attorney given by him authorizing another person to operate the account on his behalf. The term deposit account holders at the time of placing their deposits can give instructions with regard to closure of deposit account or renewal of deposit for further period on the date of maturity. A statement of account will be provided by the bank to Savings Bank as well as Current Deposit Account Holders periodically as per terms and conditions of opening of the account.Passbook facility is avaliable to all savings account holders free of cost Nomination Facility: Bank offers nomination facility in deposit accounts, safe deposit lockers, articles in safe custody,etc. Nomination facility is available on all deposit accounts opened by the individuals. Nomination is also available to a sole proprietory concern account. Nomination can be made in favour of one individual only. Nomination so made can be cancelled or changed by the account holder/s any time. While making nomination, cancellation or change thereof, it is required to be witnessed by a third party. Nomination can be modified by the consent of account holder/s. Nomination can be made in favour of a minor also subject to other major individual being named appointee(s) during the minority period. The bank recommends that all depositors avail nomination facility. The nominee, in the event of death of the depositor/s, would receive the balance outstanding in the account as a trustee of legal heirs. The depositor will be informed of the advantages of the nomination facility while opening a deposit account. Interest shall be paid on Saving Account at the rate specified by Reserve Bank of India directive from time to time. Interest at 3.5% p.a. is presently paid at quarterly rests based on the minimum balance in the account between the 10th and the last day of the month. In terms of Reserve Bank of India Directives, interest shall be calculated at quarterly intervals on Term Deposits and paid at the rate decided by the bank depending upon the period of deposits. In case of Monthly Deposit Scheme, the interest shall be calculated for the quarter and paid monthly at discounted value. The interest on Term Deposits is calculated by the bank in accordance

with the formulae and conventions advised by Indian Banks' Association. The rate of interest on deposits will be prominently displayed in the branch premises. Changes, if any, with regard to the deposit schemes and other related services shall also be communicated upfront and shall be prominently displayed. The bank has statutory obligation to deduct tax at source if the total interest paid / payable on all Term Deposits held by a person exceeds the amount specified under the Income Tax Act. The bank will issue a tax deduction certificate (TDS Certificate) for the amount of tax deducted. The depositor, if entitled to exemption from TDS can submit declaration in the prescribed format at the beginning of every financial year. The minor can open a savings bank account and the same can be operated by the natural guardian or by the minor himself / herself, if he/she is above the age of 12 years. The account can also be opened jointly. On attaining majority, the erstwhile minor should confirm the balance in his/her account and if the account is operated by the natural guardian / guardian, fresh specimen signature of erstwhile minor duly verified by the natural guardian would be obtained and kept on record for all operational purposes. The Customer Information collected from the customers shall not be used for cross selling of services or products by the bank, their subsidiaries and affiliates. If the bank proposes to use such information, it should be strictly with the consent of the account holder. The bank shall not disclose details / particulars of the customer's account to a third person or party without the expressed or implied consent from the customer. However, there are some exceptions, viz. disclosure of information under compulsion of law, where there is a duty to public to disclose and where interest of the bank requires disclosure. HDFC Bank recognizes the importance of good corporate governance, which is generally accepted as a key factor in attaining fairness for all stakeholders and achieving organizational efficiency. This Corporate Governance Policy, therefore, is established to provide a direction and framework for managing and monitoring the bank in accordance with the principles of good corporate governance.

Code of Corporate Governance Corporate Governance Rating Composition of the Board Profiles of Directors Board Committees Ownership Rights Promoters Rights( HDFC LTD.) Key Shareholders Rights Listing Registrars and transfer agents Grievance Redressal Dividend Policy Memorandum of Association Articles of Association Board Meetings Quarterly Updates Fair Practice Code for Lending Code of Ethics / Conduct The Bank believes in adopting and adhering to best recognised corporate governance practices and continuously benchmarking itself against each such practice. The Bank understands and respects its fiduciary role and responsibility to shareholders and strives hard to meet their expectations. The Bank believes that best board practices, transparent disclosures and shareholder empowerment are necessary for creating shareholder value. The Bank has infused the philosophy of corporate governance into all its activities. The philosophy on corporate governance is an important tool for shareholder protection and maximisation of their long term values. The cardinal principles such as independence, accountability, responsibility, transparency, fair and timely disclosures, credibility etc. serve as the means for implementing the philosophy of corporate governance in letter and spirit. The bank was amongst the first four companies, which subjected itself to a Corporate Governance and Value Creation (GVC) rating by the rating agency, The Credit Rating Information Services of India Limited (CRISIL). The rating provides an independent assessment of an entity's current performance and an expectation on its "balanced value creation and corporate governance practices" in future. The bank has been assigned a 'CRISIL GVC Level 1' rating for the second consecutive year, which indicates that the bank's capability with respect to wealth creation for all its stakeholders while adopting sound corporate governance practices is the highest.

The Composition of the Board of Directors of the Bank is governed by the Companies Act, 1956, the Banking Regulation Act, 1949 and the listing requirements of the Indian Stock Exchanges where securities issued by the Bank are listed. The Board has strength of 12 Directors as on March 31, 2008. All Directors other than Mr. Aditya Puri, Mr. Harish Engineer and Mr. Paresh Sukthankar are non-executive directors. The Bank has five independent directors and six non-independent directors. The Board consists of eminent persons with considerable professional expertise and experience in banking, finance, agriculture, small scale industries and other related fields. None of the Directors on the Board is a member of more than 10 Committees and Chairman of more than 5 Committees across all the companies in which he/she is a Director. All the Directors have made necessary disclosures regarding Committee positions occupied by them in other companies. ALL ABOUT HDFC BANK Download this Document for FreePrintMobileCollectionsReport Document Report this document? Please tell us reason(s) for reporting this document Spam or junk Porn adult content Hateful or offensive If you are the copyright owner of this document and want to report it, please follow these directions <http://support.scribd.com/forums/33563/entries/22981> to submit a copyright infringement notice. Report Cancel <javascript:void(0)> This is a private document. Question_small </static/help?type=private> Info and Rating Reads: 20,429 Uploaded: 07/15/2009 Category: School Work <http://www.scribd.com/explore/School-Work>>Homework <http://www.scribd.com/explore/School-Work/Homework> Rated:

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