Contents EDITORIAL

Editorial ...... 03 The rise of the digital bank ...... 04 HAPPY 2015! Stepping it up ...... 10 eason’s greetings and a very Report, Josh Unlimited regional rounds Protecting your legacy ...... 14 happy New Year to every member and more. 2014 The year that was ...... 16 Sof our HDFC Bank family! OUR WORLD VOL IV ISSUE 1 Josh Unlimited: Regional updates ...... 20 We also feature two new sections – For PUBLISHED BY Bank’s first Sustainability Report released ...... 24 2014 was a stand-out year for our Bank. a cause, where we report on the many The Corporate Communication For a cause ...... In our 20th year, we put in a robust social responsibility activities undertaken, Department, HDFC Bank Ltd. 26 The health track ...... 30 performance, won several awards and and The Health track, where we feature DISCLAIMER launched various new initiatives. In this activities under the HDFC Bank CARES Bank safe ...... 31 This issue of OUR WORLD issue we feature some of highlights of the programme. might contain forward-looking In the news ...... 32 statements based on current year gone by, along with some special assumptions and forecasts made Bank bulletin ...... 35 features on what’s making the news in our We hope you enjoy the issue… Happy by HDFC Bank Ltd. Various Sporting excellence ...... 40 Bank – GoDigital, our first Sustainability New Year once again! known and unknown risks, uncertainties and other factors Snippets ...... 47 could lead to material differences REQUEST FOR PHOTOS between the actual future results, Break Time ...... 48 financial situation, development Shutterbug ...... 50 or performance of the company, Thank you one and all for your participation in Our World! Each month we and the estimates given here. The receive news updates from teams all over the country. When sharing images company assumes no liability whatsoever to update or validate for these news items, we request you, to please take and share high-resolution these forward-looking statements images with us, which can be shared on NetMeeting with IP address: or to conform them to future 10.2.233.78. Please do NOT compress/edit the images or paste them in Word events or developments. documents. This will help us to keep making Our World better. Thank you Note: The brand names and logos again and please continue to share your news with us! used in the issue of OUR WORLD are registered trademarks of their respective owners. They are Cover caption: Customers with Mr Nitin Chugh (centre), Head, Digital Banking, HDFC Bank, at the used here solely for the purpose national launch of ‘GoDigital - Bank Aapki Muththi Mein’, on the banks of the Ganges in Varanasi of identification and quality Josh Unlimited 2014-15 Click here description. Get all the gyaan on Josh Unlimited’s Regional Rounds. Our World | Vol IV Issue 1 3 COVER STORY

COVER STORY COVER The rise of the digital bank

The recent launch of our GoDigital, Bank Aap Ki Muththi Mein offering takes our Bank to the customer, any time, any where

oday while almost everything digital offering turns the mobile phone works with the magic touch of into a round-the-clock branch with 75 Ta finger, banking was one of the transactions just a touch away. few services that still required the effort of visiting the branch. Apart from essential transactions like account balance and making tax Our Bank, however, is spearheading payments or buying insurance, the latest The business of things threats as is NetBanking with secure various initiatives to ensure easy app also allows (for the first time) to buy Our mobile and tablet apps work image and text, and OTP for high-risk banking – taking it closer to the all kinds of loans, options to make stop across all platforms – iPhone, Android, transactions. customer. With the recent launch on payment, book a fixed deposit or even Windows, BlackBerry and soon to be December 16, 2014, in Varanasi, of open a recurring account. launched J2ME, which is for the lower- There are around 4,000 downloads of the GoDigital, Bank Aap Ki Muththi Mein, end Nokia Asha phones. To include the apps on a daily basis, and usage patterns the Bank has formally launched its It also provides customised, location- non-English speaking audience, we have shown that people prefer to use umbrella brand of impressive digital specific promotions on shopping, movies have ensured that the SMS Banking and these apps once they get used to it. capabilities. and other entertainment. The only reason Android App are also available in Hindi. Proving its popularity, the application left for someone to visit a branch would is rated amongst the top three in the With the widest range of transactions be to access a locker or to deposit and Steps have been taken to ensure that financial services and banking apps in by any Indian bank so far, our Bank’s withdraw cash. MobileBanking is as protected against the Apple iTunes store.

4 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 5 COVER STORY

English speaking audiences) The penetration of smartphones Our Digital USSD Fund transfer facility by dialing and social media has called for a

COVER STORY COVER Banking Journey *99# for feature phone users transformation in the way a bank communicates with its customer. The Next-gen banking latter’s expectations have changed, 2013 Today, India is aggressively making it the best time for banks to 2012 Launched Toll Free adopting mobile telephony. There transform to digital platforms. Launched banking to provide are over 900 million mobile subscribers, 2011 services to non- mobile App with 243 million accessing the Says Mr Chugh: “If we are not talking to 2000 Launched across all smartphone, rural mobile site with platforms – & semi-urban users internet through a mobile device, our customers through these devices, Extended banking the onset of iOS, Android, 1999 services to mobile accounting for 60 per cent of through our apps or through our We begin our browser- friendly Windows & Also launched Tab through SMS internet usage. processes, and we are not making sure smartphones Blackberry App for tablet users digital foray: Banking Launched NetBanking services

All of MobileBanking put together, our networks and would require high levels Bank has around 2.4 million customers of personalisation. a month, processing roughly about 15-16 million transactions through Our MobileBanking services cover a MobileBanking platforms. wide range of customer profiles: SMS and toll-free banking for feature Being future-ready phone users and rural users All these initiatives are another step Mobile and tablet apps across all towards being future-ready so that the platforms for smartphone users with Bank is able to connect in the next internet connection few years with individuals who would SMS banking and Android app be on devices all the time, on social (also available in Hindi for non-

6 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 7 COVER STORY

that they are straight-through going find new ways of communicating and into our back offices and our mid-office engaging with customers and that’s Most Popular Banking Services COVER STORY COVER then the experience of the customer will where digital is important. accessed from your mobile probably not be as great as what he expects.” So does that mean that branch expansion will stop? No, says Mr Chugh. Most Popular The Bank expects that in next few years There are no plans to scale down Request for Banking Services Statements/ Book FD there would be very few accessing expansion. The objective is to reach out Cheque book accessed from NetBanking accounts or even visiting to the remote corners of India and set your mobile branches. So it becomes imperative to up bank branches there thus making

Balance Stop MobileBanking Offerings Enquiry Payment

MobileBanking Through MobileBanking SMS Banking*/ Toll Free Browser (m.hdfcbank.com ) Applications MobileBanking Credit Card Debit Card Payment Hotlisting Funds Transfer Facilities

Apps for Tablets Apps for Phones

a difference to the lives of the people prepared at all points in time (and very there. However, once an account is capably) to deal with customers who are opened, we want to change the way in expecting this level of experience and

BB10 which people bank. People should know richness, context, and relevance from that they have the Bank with them all the the Bank so that our customers value us iPad Android Windows Android* Blackberry Windows iPhone Nokia time, at the time and place they choose. more and we become their primary bank & BB10 (Symbian) Mr Chugh believes that, “For us, as as much as the customer would like to * SMS banking and Android Phone application also available in Hindi employees of the Bank we need to be deal with us.”

8 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 9 REPORT The blood drive was held on December embarked on an even more intense 5, 2014. The event was inaugurated at our engagement programme with colleges

REPORT Stepping it up Kamala Mills office (Mumbai), with our MD and universities. This effort resulted Mr Aditya Puri kicking off the proceedings in tremendous footfalls at the college In its 8th year, our pan-India blood drive witnesses unprecedented in the presence of Deputy Managing camps organised across the country. numbers in participation Director Mr Paresh Sukthankar, Group Heads and many other senior officials There was also a conscious effort to ur annual Blood Donation many citizens across the country as along with Bank staff. reach out to as many leaders outside the Drive seeks to not only bridge it can. This year, our Bank went even Bank and get them involved in spreading Othe shortage in supply of bigger in its effort – taking the drive The collection the message. Among the leaders who this often life-saving resource, but into more locations and colleges than Last year, our Bank earned the distinction visited our centres were Mr PK Jena, also to spread awareness among as ever before. of winning the Guinness World Record Regional Director – RBI; Mr V Vasanthan, for organising the largest blood donation CGM – RBI; Mr GV Nageshwar Rao, drive (multiple venues) on a single day – Managing Director – NSDL; Dr Arvinder globally. This year we registered far more Singh Soin and Dr Ashok K Vaid, inclusive participation, from colleges and Medanta - The Medicity, Gurgaon; Dr local communities, to surpass the donor Mahesh Sharma, Union Minister of numbers of last year by a substantial Tourism & Civil Aviation; Mr Dattatray margin. Dhankawade, Mayor of Pune; Mr TKA Nair, IAS, Advisor to the Prime Minister During this year’s campaign a collection of India and former Principal Secretary to of 1,28,642 units of blood was made at Dr Manmohan Singh. 1,987 camps organised across over 900 locations. Our people Like every year, the organising teams The awareness worked relentlessly for more than Continuing with our theme of spreading three months to bring together various awareness among youth, this year we components required to make the click on the image to view picture gallery

10 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 11 REPORT The numbers depict the enthusiasm

WE WERE WE VOLUNTARY UNITS

REPORT PRESENT AT ORGANISED PARTICIPANTS COLLECTED

913 1,987 locations camps 1,55,599 1,28,642

Mr Bhavesh Zaveri talks about the effort that goes into making the drive teams at ground level a success Youth power: Surging volunteers put in tremendous read transcript efforts. COLLEGES PARTICIPANTS UNITS COLLECTED

Over and above that, the teams promoted the drive locally, 2014 2014 2014 779 67,871 54,168 touching even the remotest of locations. 2013 2013 2013 504 41,304 32,418 This year, we witnessed even more 2012 2012 2012 226 20,507 16,465 volunteers joining hands for the cause.

Mr Bindumadhav Tikekar on how the drive also helps spread awareness initiative a success. From organising Kudos to our Marketing, Corporate Our MD Mr Aditya Puri at the launch of our blood donation drive read transcript new camps and tie-ups with new Communication, Human Resources, read transcript colleges, to putting in place each camp’s Administration and Product teams for infrastructure for the campaign day – the making the event a success.

12 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 13 REPORT

REPORT Protecting your legacy

The new e-will service by HDFC securities promises customers a safe, affordable and efficient way to bequeath their assets

rafting a will has always been a That no longer need be the case. On crucial task that is more often December 12, 2014, HDFC securities Dthan not ignored or put off till launched its electronic will writing a time that is too late. The reasons for service. The electronic will, or e-will, can this are manifold – the discomfort of be generated quickly and conveniently the thought that you will not always be in three simple steps. The whole there for your family, the tedium of listing process takes no more than 30 minutes out your assets, the prohibitive cost of and can be completed from anywhere HDFC securities offers this service in the overall customer experience, making consulting a lawyer for the purpose of with just a few mouse clicks. collaboration with WillJini, a legal partner, every transaction process simpler, faster, drawing up a will. which assists individuals in writing and better,” Mr Dhru added. “This service is among the first of its their personal e-will online in about 30 kind in India,” said Mr Aseem Dhru, minutes without any phone calls, email An individual can prepare an e-will in an Managing Director and CEO, HDFC or meetings. easy and hassle-free way by registering securities. “It enables individuals to on the HDFC securities website (www. securely draw up a tenable e-will online This do-it-yourself e-will is 100-per cent hdfcsec.com). Once registered, the with the utmost ease and convenience. automatic, seamless and is not prepared individual lists the assets and to whom The service is completely confidential, or vetted by an advisor. It is sent to the they are bequeathed. and does not store any personal details. creator for approval. “Once it is approved, A will can be generated in the comfort a tenable will is prepared for execution. This much-needed service comes at a and privacy of the customer’s home Using digital channels, HDFC securities is very affordable cost of `4,000 plus taxes Mr Aseem Dhru, Managing Director and CEO, HDFC securities, at the launch of the e-will service or office.” consistently looking at ways to enhance with a guarantee of confidentiality.

14 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 15 click on the image to The year view picture gallery

2014As we bid adieu to 2014 we look at some of the many highlights of the year… that was

GODIGITAL LAUNCHED We launched our 100TH WIN FOR MUMBAI GoDigital / Bank aapki Muththi FOOTBALLERS mein initiative in The team claimed its century at the Dream Varanasi Sports Field Corporate League in Mumbai MAD DAY A whopping 79 teams volunteered; 623 employees who clocked 1,555 man hours

JOSH UNLIMITED Josh Unlimited 2013 ends in style; 2014 edition MILESTONE BRANCHES AWARDS CSR AND SUSTAINABILITY promises to We launched our CSR website be bigger We continued to expand our We won several laurels for and released our first Sustainability than ever branch network, marking our stellar performance Report several milestones ALL-INDIA BLOOD DRIVE The Guinness World Record- winning initiative goes even bigger LEA TRAINING SESSIONS HELD Sessions were held in , Bihar, J&K’S FIRST CIRCLE Odisha, Kolkata and Bengaluru OFFICE CM Omar Abdullah SECORE BANKING MAKES inaugurates the new office STRIDES Secure Banking programme was launched all over the country – Chennai, Visakhapatnam, Raipur, jaipur, Trivandrum, Indore, Lucknow, Madurai, Bhubaneswar, which will roll out to the entire branch network in each state

BRANCH OPENED IN DUBAI TH 350 RURAL We inaugurated a FINANCIAL LITERACY branch in Dubai, CAMP IN KERALA UAE, at the Dubai Launched in Palakkad in International HDFC BANK CARES LAUNCHED November 2013, they have Financial Center PROGRAMME touched 11,000 people (DIFC) Personnel Administration Department brings SENSATIONS LAUNCHED employee health initiatives under one umbrella The In-house Band Contest invites colleagues to perform together click on the image to view picture gallery

CHENNAI SPECIAL JU visited Chennai (Tamil Nadu) on November 29 and was kicked off by Mr Bhavesh Zaveri, Group Head –

SPECIAL Operations and Mr Dhiraj Relli, Branch Banking Head – South 2. The event was held at YMCA College of Physical Education, Nandanam Ground, with contests in 8 disciplines: , football, throwball, athletics, RAJKOT badminton, TT, carom and chess. A total of 751 JU visited Rajkot (Gujarat) on employees registered, with 500 unique participants. December 7 and was kicked off Click to view Chennai winners by Mr Bindumadhav Tikekar amd Mr KV Premraj, Regional Seniors and Core Committee Members. The event was held at Jyoti CNC osh Unlimited is picking Automation Ground, Metoda, up momentum as it with contests in 6 disciplines: Josh Unlimited Jmakes its way across cricket, athletics, badminton, TT, the country. Here are the highlights carom and chess. A total of 316 from the most recent regional rounds… employees registered, with 205 Regional updates unique participants.

Click to view Rajkot winners

BARODA JU visited Baroda (Gujarat) on November 30 and was kicked off by by Ms Pearl Sabavala, Circle Head – Gujarat Circle 1. The event was held at the Railway Stadium and Railway Officers Club, with contests in 8 disciplines: cricket, football, throwball, athletics, badminton, TT, carom and chess. A total of 449 employees registered, with 296 unique participants.

Click to view Baroda winners

20 Our World | Vol IV Issue 1 click on the image to view picture gallery click on the image toOur view World picture | Vol IV Issuegallery 1 21 click on the image to view picture gallery BENGALURU SPECIAL JU visited Bengaluru (Karnataka) on December DELHI 20-21, and was kicked off by Mr Anil Nath, JU visited Bhubaneswar (Odisha) on Group Head — Business Banking & Agri SPECIAL December 7 and was kicked off by Mr Businesses. The event was held at Garden Debashis Senapati, Zonal Head, and City College & Gopalan National School, with Ms Naina Panse, Head – Employee contests in 8 disciplines: cricket, football, Engagement. The event was held throwball, athletics, badminton, TT, carom and at Yamuna Sports Complex, with chess. A total of 659 employees registered, contests in 7 disciplines: cricket, with 444 unique participants. football, athletics, badminton, table Click to view Bengaluru winners tennis, carom and chess. A total of 861 employees registered, with 600 unique participants. NAGPUR Click to view Delhi winners JU visited Nashik (Maharashtra) on December 14 and was kicked off by Mr Nilesh Samant, Circle Head. The event was held at Dr Ambedkar College Sports Academy, Deeksha Bhoomi, with contests in 7 disciplines: cricket, football, athletics, badminton, table tennis, carom and chess. A total of 337 employees registered, with 217 unique participants.

Click to view Nagpur winners

22 Our World | Vol IV Issue 1 click on the image to view picture gallery click on the image to viewOur picture World |gallery Vol IV Issue 1 23 FEATURE Bank’s first FEATURE Sustainability Report released

The Report details the many initiatives undertaken and the steady progress made in the area of corporate social responsibility

t HDFC Bank, sustainability is a As our initiatives and programmes core value and we are actively gather steam, we thought it only fitting Aundertaking CSR activities across to report on all the good work done over the country in the areas of education, the last few years and the path that lies livelihood generation and health. ahead. From (L-R) Mr Paresh Sukthankar, our Deputy MD; Ms Suchandra Bose, CSR; Ms Nusrat Pathan, CSR; Ms Renu Sud Karnad, Chair of the CSR Committee and MD, HDFC; Mr Aditya Puri, MD, HDFC Bank; Ms Ashima Bhat, Finance; and Mr Bhavin Lakhpatwala, Finance

In December 2014, we released our very While our Bank has consistently been first Sustainability Report. The Report reporting on our responsibility and the details our diverse initiatives and the impact of these initiatives over the last two progress made by our teams all over years, through this report we are further the country. It is an externally assured enhancing our efforts to communicate and A+ report that adheres to GRI G3.1 involve our stakeholders in this journey. reporting guidelines. The report covers the triple bottom line – economic, Click to download the Sustainability Report social and environmental performance, connect with us on: and makes us one of the few Indian private banks to report on corporate sustainability initiatives.

24 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 25 click on the image to view picture gallery sanitation infrastructure and an overhead CSR drinking water tank project. The hostel

CSR For a cause currently houses 160 tribal girls between the age group of 6-17 years. This support In this new section we feature all the latest CSR activities undertaken by our has not only impacted the health and Bank and its volunteers across India hygiene conditions of the students but also improved their performance Extending support to tribal The ashram established a residential in school. schoolchildren primary school – Vanvasi Kalyan Ashram successfully completed the project and Our Bank, under its Corporate Social School – in 1998-99, which is located in Post completion of the project, the school 50 children have benefited from this Responsibility initiatives, has been Mangaon, Raigad district (Maharashtra) was visited by Mr Jaikumar Naidu, Branch support. undertaking several programmes for the for children of the local Katkari tribes. In Manager, Mangaon branch, and his team. sustainable development of society. In 2009 the school was extended till Class Four-year-old Soumya Vadapalli has this endeavour we partner with various X and the ashram school infrastructure Lending a patient EAR undergone a cochlear implant in her grassroots-level NGOs to work in a was built step by step as per the The Education Audiology and Research contralateral ear. A cochlear implant is a time-bound manner to achieve specified requirements and availability of funds. Society (EAR) is an institute that works surgically implanted electronic medical goals. One such organisation is the to enable children to learn to listen and device which replaces the function of the Vanvasi Kalyan Ashram. However, over a period of time the to speak with the help of audiological damaged hair cells in the inner ear and existing infrastructure proved to be management and hearing aids. The enables sound to be transferred to the insufficient with the growing number of organisation operates in Mumbai and hearing nerves which helps the child to girl children residing in the hostel. The runs various programmes and therapies hear. ashram approached our Bank requesting at its school located at Mumbai Central. support in building the sanitation Soumya lives with her parents in a small infrastructure in the girls’ hostel. Our Bank helped EAR in setting up rented room at Mulund. She comes from a completely sound-proof Audiology a lower socio-economic background, her Our CSR Team did a thorough due Room (a two-room set-up) to detect father is a tailor and works from home diligence of the proposal and then hearing impairment, conduct audiometric and is the only breadwinner of the family. proceeded to extend support to the tests and therapy sessions. We have Soumya has been attending EAR school click on the image to view picture gallery

26 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 27 and one-on-one Auditory Verbal Therapy After a thorough review of each your active participation and continued

Call for Make A Difference CSR programme regularly since January Day (MAD Day) volunteer application form, 273 students were support.

CSR 2013. The Audiology Room funded by selected for the scholarship support. HDFC Bank has benefited many lives like This year’s MAD Day is on Scholarship cheques were sent out Chennai team volunteers at school Soumya’s. January 26, 2015. For details, to branches for handing over to the Team Prerana, our employee volunteering write to [email protected]. recipients. team at Chennai (TN), visited Siragu In her words, ‘mein accha sunti hu’. Please do not forget to mention Montessori School driven by the Suyam your name, employee ID, location, Our employee volunteers at Rampuraphul Charitable Trust. The school, with the ECSS: Enabling education function while writing to us. (Punjab) felicitated 16 ECSS Scholars help of the trust, makes tables from old Our Bank initiated our Educational Crisis during Josh Unlimited at Bhatinda. newspapers and cardboard, which are Scholarship Programme (ECSS) in the used in the classrooms. year 2011. family crisis without adverse impact on In Belgaum (Karnataka), the Branch their education. The scholarship covers Manager of Athani Branch along with Our employee volunteers helped make Economic hardship or a crisis in the the total annual school fee/college fee of his team visited KLE Society’s School 10 reading tables during their visit to family sometimes has a direct impact the shortlisted candidates. on Children’s Day and handed over the the school. Besides, the team planned on the education of children, often cheque to the student. The team also several fun-filled activities for the resulting in the child dropping out of The success story of ECSS is truly a celebrated the day in KLE School with schoolchildren and distributed gifts. school. ECSS has been conceptualised reason for smiles – in the very first year students he addressed the gathering and Provisions were also donated to the to provide assistance to these students, of its launch in Rajasthan and Punjab, spoke about the purpose of ECSS. school’s hostel. to tide over a difficult situation personal/ the programme benefited 35 students. In 2012-13, a total of 165 students In Mysore (Karnataka) a student was benefited and in 2013-14, 338 students. felicitated by our Branch Manager in the It is our constant endeavour to bring presence of the school principal and more and more deserving students board members. under ECSS. This year students could apply by either submitting a hard We at the CSR Team thank our branches copy of the admission form at any of and volunteers for making ECSS 2014 a our branches or could apply online. grand success and we look forward to click on the image to view picture gallery click on the image to view picture gallery

28 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 29 BANK SAFE Bank safe HDFC BANK CARES The health track In a new section called Bank safe, we feature short informative videos on banking dos and dont’s. In this issue we share some safety tips on how to ensure your critical As part of our HDFC Bank CARES programme, sessions on handling stress banking details don’t fall into the wrong hands effectively were held in Mumbai, among other initiatives

ur Bank’s HDFC Bank CARES focused on hypertension management programme plans and organises and around 350 employees participated. Oseveral wide-ranging activities to help our people better cope with the Apart from this the Maternity Care strain of modern life. Programme has seen a big jump in participation. Till November 2014 there Most recently it held four ‘Health Talk’ were 126 registrations, and by December workshops in Mumbai. The sessions 2014 an additional 172 registrations were made. This takes the total count to about 300 employees till date.

Health Camps were also organised at 5 Bank locations in Chennai, 3 in Kolkata, 2 each at Nagpur and Ahmedabad, and 1 each at Nasik and Aurangabad. These camps garnered a very encouraging response, with about 8,350 employees participating and about 1,650 employees Employees attend a Health Talk on stress management in Mumbai availing free doctor consultations.

30 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 31 IN THE NEWS IN THE Business Today ranks

IN THE NEWS GoDigital launch makes the news HDFC Bank as India’s best

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Click to view

32 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 33 BANK BULLETIN

Our Bank records News at a glance IN THE NEWS highest mobile transactions Our Bank tops the BW | Businessworld- (26 public sector banks, 20 private banks PwC Best Banks Survey and 11 foreign banks). With an increase in Our Bank has been adjudged the ‘Best Large Bank’ and ‘Fastest Growing Large Our Bank sweeps NPCI Excellence transactions that can Awards be done through its Bank’ in 2014 in the seventh edition mobile application, of the Businessworld-PwC India Best The National Payment Corporation of India HDFC Bank has Banks Survey. The survey comprises a (NPCI), conducted its award ceremony recorded a five- performance analysis of 57 scheduled for ‘Excellence in Payment Systems’ in fold jump in mobile commercial banks operational in India Mumbai on December 3, 2014. banking transactions between June and October 2014.

Click to view

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34 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 35 BANK BULLETIN

Mr HR Khan, Deputy Governor of NPCI runs all crucial payment systems Kanpur Nagar Nigam (KNN). The secure a range of benefits on December Reserve Bank of India, was the Chief such as Cheque Truncation System residents of Kanpur will now be able to 19-20, 2014.

BANK BULLETIN Guest and presented our Bank with (CTS), Automated Clearing Houses make their property tax payments online three awards: (NACH), RuPay Cards, National Financial in a quick and convenient manner, Offers were available on car loans, Switch (NFS), and Immediate Payment using any debit card, credit card, or two-wheeler loans, commercial vehicle Best Bank in Cheque Truncation System (IMPS). netbanking facility. loans, loan against property, gold loan, System (CTS) – Large Bank Category personal loan/business loan, construction Best Bank in National Automated E-payment gateway launched for Kanpur The service was launched in the presence equipment and working capital (IFG), cash Nagar Nigam Clearing House (NACH) – Large of Mr Umesh Pratap Singh, Municipal credit (CC-OD) limit, and credit cards. Bank Category On December 26, 2014, our Bank Commissioner, and Mr Arun Mediratta, Runner-up in National Financial launched an e-payment gateway for Regional Head, HDFC Bank. Awareness session held in Indore Switch (NFS) property tax in with the On November 29, Currency Chest Speaking on the occasion, Mr Indore organised an awareness session Mediratta, said, “The Kanpur Nagar on blood donation at KK College, Nigam has achieved a unique distinction Indore (Madhya Pradesh). Around 200 by becoming the first in the state to students, faculty members, Principal enable electronic payment of property tax. At HDFC Bank, we feel privileged to be chosen as a partner to implement this initiative.”

Two-day festive offer held in Goa Our Bank unveiled a festive offer on a range of our products/services in Goa. A host of banking products/services was made available at a special event Mr Hemant Kate, Head — Curreency Chest in the CRCC club, Chinichin, Goa, Indore, at the blood donation awareness Mr Arun Mediaratta (L), Regional Head, HDFC Bank, and Mr Umesh Pratap Singh, Municipal session in Indore Commissioner, Kanpur Nagar Nigam, launch the e-payment gateway for Kanpur Nagar Nigam where customers could walk in and

36 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 37 BANK BULLETIN

and Director attended the session. payment, making this process less time The branch was inaugurated by consuming for our students.” Mr Murali Krishna M, President,

BANK BULLETIN Mr Hemant Kate, Head – Currency Andhra Chamber of Commerce, in Chest Indore, conducted the session AP gets 100th branch the presence of Mr Madhusudan and Mr Madhu Gupta, State Head, also On December 22, 2014, our Bank Hegde, Branch Banking Head, HDFC addressed the students. inaugurated its 100th branch in Andhra Bank, Mr Ramdoss Bharathan, Pradesh at the village of Enikepadu in Circle Head, HDFC Bank, and other HDFC Bank launches e-payment facility the Gannavaram Constituency. The new senior officials. for IIT Jodhpur branch will cater to the local population On December 24, 2014, an online Prof Dr CVR Murty (R), Director IIT Jodhpur and of just under 20,000 in and around Our Bank opened its first branch in the Satyen Modi, Zonal Head, HDFC Bank, at the payment gateway for the Indian Institute launch of the e-payment facility Enikepadu. state at Visakhapatnam in 1999. of Technology (IIT) Jodhpur was launched. to IIT Jodhpur. The online payment gateway will also allow students joining This facility will enable students the institution from all over the country to to pay their fees online in a quick securely pay their fees. and convenient manner, using any MasterCard / Visa debit card, credit The e-payment gateway was launched by card or netbanking of 40+ banks. Prof Dr CVR Murty, Director IIT Jodhpur, in the presence of Mr Satyen Modi, Zonal All students enrolled in the BTech, Head, HDFC Bank, Mr Purushottam MTech and PhD courses at IIT Jodhpur Boolani, Cluster Head, HDFC Bank. will be able to use the e-payment gateway immediately in the first phase Speaking at the launch, Prof Murty of the initiative. said, “IIT Jodhpur has taken a big leap forward in the evolution of payment Currently, close to over 700 students of fees for its courses. This online (L-R) Mr Pavan Kumar Chillarige, Cluster Head, HDFC Bank, Mr Murali Krishna M, President, Andhra Chamber of Commerce, Mr Madhusudan Hegde, Branch Banking Head, HDFC Bank, Mr Ramdoss each year make half-yearly payments payment gateway will help fast-track fee Bharathan, Circle Head, HDFC Bank, at the launch of the 100th branch in Andhra Pradesh

38 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 39 SPORTS The Team Mumbai footie team comes up trumps Our Mumbai team has had a very SPORTS Sp rting excellence Abdul Quadir Jolly Lawrence successful few months, emerging Mohd Moin Manish Tandon Champions in two events and A round-up of the many achievements of our Bank’s corporate sports teams Rohit Khanna Runners-up in the third. In the Bombay Durgesh Singh Gymkhana Football Tournament, our Varanasi cricketers lift DIIT trophy The matches were held at the Shivpur Vimal Tiwari team won the Cup for the fifth time in The Varanasi Cluster cricket team Mini Stadium. Our team fought off the Santosh Jha a row defeating Bombay Gym in the participated in the recent Corporate competition to make its way to the finals. The team scored 2 goals to win. Cricket Tournament organised by finals. The final match saw Unified Micro DIIT. The tournament was by invitation Development Association being defeated Jolly Lawrence was was declared Man In the Tigers Cup, HDFC Bank emerged only, with the city’s major corporates by 40 runs, and our Bank’s team lifting of the Match (35 runs), Manish Tandon Runners-up after losing to IndusInd Bank participating. the Champion’s trophy. scored 15 and Abdul Quadir scored 25. 3-2 on penalties.

Our Varanasi cricket team with the winner’s trophy at the DIIT Corporate Cricket Tournament Our jubilant Mumbai football team

40 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 41 SPORTS Special mention: Sukesh Shastri wins The Team performance throughout and finally beat very well to complete the race. ‘Best Goalkeeper’ the Railtell team by 47 runs to lift the

SPORTS Baroda cricketers shine at Urja Cup T10 Sailesh Makwana Champion’s trophy. Tournament At the Domnic Savio Cup, our team Naresh Rathod defeated Indigo Airlines 3-2 to lift the Our team now qualifies for the World The Urja Cup T10 Tournament was Ritesh Patil Champion’s trophy. Corporate Games to be held in Mexico organised by Gujarat Electricity with 12 Aniruddh Gupta in 2015. teams participating. Satish Kudke Special Mention: Siddharth Puthran Ishan Moily wins ‘Best Player’ Road to the Finals Team Baroda reached the finals to play Alton Sanctis Delhi Jal Board vs HDFC Bank: Won Mumbai cricketers win tourney Kunal Kelaskar by 44 runs The Team Sixteen corporate teams participated Mahesh Angchekar DGHL vs HDFC bank: Won by 70 runs in the Corporate Cricket Tournament Nilesh Ghogale Schneider Electricals vs HDFC Bank: Dharmendra Dogra (C) (under arm box cricket). Our Bank’s Stanislaus Fernandes Won by 35 runs Kedar Joshi team defeated Citibank in the finals to Semifinals: HSBC Bank vs HDFC Nitin Dhumal lift the trophy. Bank: Won by 14 runs Sukumar Burman team put up a brave fight but lost 2-4 to Rajesh Kaimal Delhi marathoners run hard Besides taking the trophy, we also the Energizer team in Finals. Nidhish Nair bagged: The CRPF Half Marathon 2014 Sanjay Rana wins big at (21.097km) was conducted in Delhi on Sagar Patel Player of the tournament: Sailesh Corporate Games 2014 October 12, 2014. Nayan Soni Makwana Held at the Saket Cricket Ground and flagged off the event with several Dharmesh Patel Best Bowler: Naresh Rathod Srifort Sports Complex on November other sports personalities making an Dharmpal Gohil 24-25, the event witnessed 15 corporate appearance, including Sushil Kumar, Delhi cricket team comes in 2nd at teams of Delhi-NCR, battle it out for the Yogeshwar Dutt, Mary Kom. Ashish Purandare Legends Cup top prize. Siddharth Barot Our Delhi cricketers laid claim to the Our runners – Shalaj Kala (2.23 hours) Linesh Dave Runner’s-up trophy in the Silver Cup. Our Our Bank’s team put up a steady and Sunil Kumar Singh (2.40 hours) did

42 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 43 click on the image to view picture gallery SPORTS SPORTS

The Teams The jubilant HDFC Bank Baroda team TEAM AHMEDABAD

Getco Baroda. Getco elected to bowl It was a clash of the titans in the finals Hiren Anarkat Vastav Pandya Vishal Jain first, and we scored 98 runs in 10 overs. of the Gurukul Corporate Premier Kahan Shukla Ankur Rathod Kashyap Kotak Our team then bowled out Getco in 9.2 League T20 Tournament with HDFC Samir Parmar Chirag Choudary Vipul Jani overs on the score of 66. Bank Ahmedabad playing off against Hardik Parikh Karna Pandit Ranjan Kumar HDFC Bank Baroda. Jigish Bhatia Sandip Patel Kinnar Kapadia Best Bowler: Nayan Soni (3 wickets for 5 runs) Baroda won the toss and elected to TEAM BARODA Man of the Match: Nitin Dhumal (27 bowl. The Ahmedabad team scored 128 runs in 12 balls) runs in 20 overs. The Baroda batsmen Dharmendra Dogra (C) Kedar Joshi Nitin Dhumal Man of the Series: Sukumar Burman then took over to put up a brave Sukumar Burman Sagar Patel Rajesh Kaimal (102 runs in 4 matches) fight, but lost under the pace of the Dharmpal Sinh Gohil Dharmesh Patel Linesh Dave Ahmedabad bowlers. Sanjay Rana Nidhish Nair Siddharth Barot Gujarat cricketers battle it out in GCPL Nayan Soni Mikin Patel Ashish Purandare tournament Man of the Match: Kahan Shukla

44 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 45 SNIPPETS

Man of the Series: Samir Parmar from 25 corporates for the 15 disciplines this year. Snippets SPORTS Hyderabad Corporate Olympics 2014 Our Hyderabad Team participated in the Ajay Vedam from PhoneBanking Colleagues from across the Bank share their moments of joy with us. Share yours! Hyderabad Corporate Olympics 2014 Hyderabad won the Senior Category (35+) (HCO) conducted by Rose Petals Sports of the table tennis event beating Harish Management Company. Balan (Synopsys) in the finals. Taekwondo star

The event is an annual affair which is In the Men’s event, Ajay won the Bronze y son Ansh Khandelwal (11 years) secured entry CLICK AND SHARE! keenly participated in by corporates Medal losing in the semifinals to the Mto the Pan American Open World Taekwondo in the twin cities of Hyderabad and eventual Champion 3-2. Ajay is the G1 Championships, in December 12-14, 2014, at the Click and send us pictures of Secunderabad. It is spread over three defending Champion at Josh Unlimited as New Convention Centre, Oregon, USA. you and your loved ones and months with different sporting categories well, having won the Men’s TT event for get a chance to get featured and a total of 4,500 entries were received the last two years. Ansh has been practicing Taekwondo for the last in the next issue of Our World. five years, with a daily rigorous practice and workout

schedules spanning 3-4 hours. He For making pictures look as displayed his commendable capabilities good as your loved ones: and mettle at the US Championships, Click from a good camera in all the events he participated in. or smart phone Ansh won Gold in Board Breaking, Send us images directly Silver in Fighting and without pasting them in Word, Excel or PowerPoint. Bronze in Poomse. The event had 2,000 Send us your pictures on the following IP10.2.233.78 competitors from approx

40 countries compete. So what are you waiting for...

— Anu Khandelwal, Custody Click & Share Ajay Vedam at the Hyderabad Corporate Olympics Operations, Kanjurmarg, Mumbai

46 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 47 BREAK TIME

Bits & Bytes

BREAK TIME Break Time Technology plays a massive role in our every-day lives, which is why we Hard at work? Here’s a well-deserved break. Tease your brain cells, laugh a little, introduce our new section – Bits & Bytes. Write in to us with your tech learn some valuable tips... and feel free to send us your contributions! tips, tricks and queries and we’ll feature them right here!

Banker’s quiz Know your terms 10 great keyboard Alt+Space: Displays the shortcuts for MS Excel Control menu for Main Excel Quiz number: 23 Arbitrage: Buying a financial Almost all of us use Excel in window. Here’s something to tease your brain. instrument in one market in order Participate and stand the chance to to sell the same instrument at a our daily work, saving and win exciting prizes. higher price in another market. updating data. Here are some Ctrl+F9: Minimises current quick time-saving shortcuts when workbook window to an icon. Also TAKE THE QUIZ managing multiple workbooks. restores (‘un-maximises’) all workbook windows. QUIZ 22 WINNER: Venkataraman Banking humour Ramamurthy, BCU – TBG, Kanjurmarg F6 / Shift+F6: Moves to the next pane / previous pane in a workbook that has Ctrl+F10: Maximises or restores the What investment option do traders call “007”? been split. selected workbook window. Keeping count Answer: A bond Ctrl+F4: Closes the selected Ctrl+F7: Moves Workbook Windows workbook window. which are not maximised.

Ctrl+n: Creates a new blank workbook Ctrl+F8: Performs size command for A man will pay `2 for a `1 item he needs. (Excel File). workbook windows which are not maximised. A woman will pay `1 for a `2 item Ctrl+Tab / Ctrl+Shift+Tab: Moves to that she doesn’t need but it’s on next / previous workbook window. Alt+F4: Closes Excel. sale. Click to view solution. Click to share a joke with us.

48 Our World | Vol IV Issue 1 Our World | Vol IV Issue 1 49 NEWS SHUTTERBUG ORIGINAL IfORIGINAL you have own your on NetMeeting with IP address: 10.2.233.78 Some superb shots of sights that caught simply e-mail it to it e-mail simply [email protected] or the fancy of HDFC Bank colleagues SHARE YUR PICTURES! click on the image to view gallery picture pic that you’dpic that like to share, by

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