HDFC

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This is a collection of articles archived for the excellence of their content.

Loans

2017: India’s 3rd biggest lender

HDFC Bank India's third most critical fin body: RBI, Sep 5 2017: The Times of India

 SBI, ICICI Bank Are The First Two Lenders

The RBI on Monday added HDFC Bank to the list of systemically important banks, or banks that are considered too big to fail.The other banks on the list are the two largest lenders -SBI and ICICI Bank. Since 2015, the central bank has been identifying banks whose failure would impact the whole financial system.These banks are subject to more rigorous regulation and capital requirement.

HDFC Bank's inclusion in this category means that the bank would need to ad here to higher capital requirements. The positive side of being recognised as a systemically important bank is that investors would feel more secure in parking bulk funds in these institutions as they are too big to fail. For the purpose of addi al capital requirement, tional capital requirement, the RBI categorises banks into five buckets based on the size with capital requirement increasing progressively for each bucket. ICICI Bank and HDFC Bank are in the first bucket, requiring an additional tier I capital of 0.1% of risk-weighted assets (loans) for FY18 and additional 0.15% from April 2018. SBI, being a much bigger bank, requires additional tier I capital of 0.3% of its loans with additional requirement of 0.45% from April 2018.

HDFC Bank's total balance sheet size as of June 30, 2017 was Rs 8,95,653 crore as against Rs 7,55,631crore as of June 30, 2016 -an increase of 33%. The bank's deposits as of June 30, 2017 were Rs 6,71,376 crore -an increase of 17% over June 30, 2016.