8/4/2019 Final Final Hdfc
1/46
HDFC BANK
COMPUTATION OF THE TIER I AND TIER II CAPITAL
TIER I
Item 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores
Paid-up share capital 354.43 425.38 457.74 465.23
Statutory reserve 1,519.37 2298.73 3035.9 4017.05
General reserve 511.56 736.05 1030.92 1423.56
Capital reserve 1.78 95.65 295.11 295.47
Share premium account 6479.48 6543.8 11078.96 11899.64
Balance in profit and loss account 2574.61 3455.57 4532.79 6174.24
Innovative perpetual debt 200 200 200 200
Amalgamation reserve 14.52 1063.56 1063.56 1063.56
Deductions
Deferred tax asset 383.21 861.92 844.16 1189.29
Credit enhancement on securitisation (50 85.82 203.7 240.75 223.18
Investment in subsidiary 123.76
Market Risk Charge 52.06
Total 11062.96 13753.11 20610.07 24074.22
TIER II
Item 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores
Subordinated Debt 2,012.00 3264.48 3248.24 2925
Debt capital instruments 1037.1 2818.1 2759.90 3861.85
Investment reserve account 41.48 27.63 26.14 41.69
Provision for standard assets 533.58 760.29 760.29 763.45
Floating provision 10.03 735.03
Deductions
Credit enhancement on securitisation 85.82 203.7 240.75 223.18
Total 3548.37 6666.8 6553.82 8103.84
TOTAL CAPITAL(TIER I + TIER II 14611.33 20419.91 27163.89 32178.06
Capital Adequacy Ratio
Risk Adjusted Assets
Domestic Operations
8/4/2019 Final Final Hdfc
2/46
Paritculars Weights 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores
(i)Cash in hand - 940 1,586 2,435 2,998
Balances with RBI - 11,613 11,941 13,048 22,103
Balances with other banks 0 2,225 3,979 14,459 4,568
Investments in Govt. securities - 31,666 52,157 51,050 53,651
Investments in other trustee securities - 1 1 0 0
assumption: investments in approved securities are considered as other trustee securiti
0 11,317 4,522 6,112 15,816
(iii) Other Investments 1 6,410 2,138 1,445 1,462
(iv) Loans and advances 63,427 98,883 125,831 159,983
a. Secured by tangible assets 0 42,663 73,468 89,233 117,493
b.covered by government guarantee - 1,752 2,496 2,946 3,314
c. unsecured 1 19,012 22,920 33,652 39,176
(v) Premises furniture and fixtures 1 524 1,707 2,123 2,171(vi) Other assets 1 4,454 6,357 5,955 14,601
Total RWA 132,577 183,271 222,459 277,353
2007-2008 2008-2009 2009-2010 2010-2011
(i) guarantees given on behalf of constitu 100% 5,662 7,635 9,482 11,303
TOTAL RWA
Capital (Tier I + Tier II)
TOTAL RWA CAR
CAPITAL
CAR
certificates of deposits, etc.
Conversionfactor
8/4/2019 Final Final Hdfc
3/46
8/4/2019 Final Final Hdfc
4/46
Risk Weighted Assets
2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores
- - - -
- - - -
445 796 2,892 914 10,272,964
- - - - 2,106,522
- - - - 8,166,442
- - - - 13,540,038
- - - - 442,456
2,263 904 1,222 3,163
6,410 2,138 1,445 1,462
- - - -
21,331 36,734 44,616 58,746
- - - -
19,012 22,920 33,652 39,176
- - - -
524 1,707 2,123 2,1714,454 6,357 5,955 14,601
54,440 71,555 91,905 120,233
RWAs
2007-2008 2008-2009 2009-2010 2010-2011
5,662 7,635 9,482 11,303
60,102 79,191 101,387 131,535
14,611 20,420 27,164 32,178
24.31% 25.79% 26.79% 24.46%
8/4/2019 Final Final Hdfc
5/46
RESERVES
2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores
Statutory Reserves 1519.37 2298.73 3035.9 4017.5
Profit for the Year20% of Profits
RESERVES 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Statutory reserve 1519.37 2298.73 3035.9 4017.5 13.64%General reserve 511.56 736.05 1030.92 1423.56 4.59%
Balance in profit and loss account 2574.61 3455.57 4532.79 6174.24 23.11%
Share Premium account 6479.48 6543.8 11078.96 11899.64 58.15%
Amalgamation reserve 14.52 1063.56 1063.56 1063.56 0.13%
Capital reserve 1.78 95.65 295.11 295.47 0.02%
Investment Reserve Account 41.48 27.63 26.14 41.69 0.37%
Foreign Currency Translation Account 0.03 1.54 4.53 0.00%
Total Reserves 11142.8 14220.96 21061.84 24911.13 100.00%
DEPOSITS 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Demand deposits from Banks 844.71 759.22 1055.46 1018.48 0.84%
Demand deposits from Others 27914.99 27685.7 36171.64 45442.01 27.70%
Savings bank deposits 26153.94 34914.74 49876.78 63447.79 25.95%
Term Deposits from Banks 1519.59 1630.53 1382.44 1426.76 1.51%
Term Deposits from others 44335.37 77821.39 78918.12 97251.37 44.00%
Total Deposits 100768.6 142811.58 167404.44 208586.41 100%
DEPOSITS 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores
Deposits of Branches in India 100768.6 142767.06 167340.27 208322.1The rise in
Deposits of Branches Outside India 0 44.52 64.17 264.31 Also the ris
Total Deposits 100768.6 142811.58 167404.44 208586.41
BORROWINGS 2007-2008 2008-2009 2009-2010 2010-2011
The Statutory Reserve for all the threeyears is more than the minimumrequirement of 20% of the Profits forthe year
8/4/2019 Final Final Hdfc
6/46
in crores in crores in crores in crores 2007-2008
Borrowings in India:
RBI 0 0 0 120 0.00%
Other Banks 886.78 1043.92 1908.03 705.06 19.80%
Other Institutions and Agencies 0.22 5645.08 7526.3 927.04 0.00%
6947.1 0.00%Borrowings outside India: 3591.86 2474.64 3481.36 5694.89 80.20%
Total Borrowings 4478.86 9163.64 12915.69 14394.09 100.00%
OTHER LIABILITIES & PROVISIONS 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Bills Payable 3157.21 2922.41 5925.74 5636.15 19.21%
Interest Accrued 1674.75 3323.87 1996.83 2793.69 10.19%
Others (including provisions) 7464.8 8738.58 11292.56 18910.58 45.43%
3249.1 19.77%
533.58 760.29 760.29 760.29 3.25%
352.47 497.68 640.52 892.15 2.15%
Total other liabilities and provisions 16431.91 16242.83 20615.94 28992.86 100.00%
CASH AND BALANCES WITH RBI 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
940.09 1586.19 2435.26 2997.95 7.49%
Balances with Reserve Bank of India
a) In current accounts 11513.09 11841.02 12948.03 22002.86 91.71%
(b) In other accounts 100 100 100 100 0.80%
Total 12553.18 13527.21 15483.29 25100.81 100.00%
0.08% 6.52% 5.87% 7.97%
2007-2008 2008-2009 2009-2010 2010-2011in crores in crores in crores in crores 2007-2008
In India
(i) Balances with Banks :
(a) In current accounts 287.92 243.99 313.29 229.75 12.94%
(b) In other deposit accounts 706.99 661.06 395.91 974.81 31.77%
(ii) Money at call and short notice :
(a) With banks 0 0 515 1070 0.00%
(b) With other institutions 0 1242.25 9835.4 125 0.00%
Upper and Lower Tier II capital and
Innovative perpetual debt
Upper and Lower Tier II capital andInnovative Perpetual Debt*
Contingent Provisions against standardassets
Proposed Dividend (including tax ondividend)
Cash in hand (including foreign currencynotes)
BALANCES WITH BANKS ANDMONEY AT CALL AND SHORT NOTICE
8/4/2019 Final Final Hdfc
7/46
Outside India
(i) In current accounts 173.67 529.84 306.22 463.77 7.80%
(ii) In deposit accounts 3.73 101.44 0 245.27 0.17%
(iii) Money at call and short notice 1052.85 1200.82 3093.3 1459.42 47.32%
Total 2225.16 3979.4 14459.12 4568.02 100.00%
INVESTMENTS 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Investments in India:
Government Securities 31665.58 52156.58 51049.93 53651.28 64.11%
Other approved Securities 0.58 1.25 0.5 0.49 0.00%
Shares 34.46 39.73 103.53 93.49 0.07%
Debentures & Bonds 6251.72 1942.84 1139.29 534.77 12.66%
Subsidiaries and/or Joint Ventures 123.78 155.1 155.1 745.1 0.25%
Others 11317.2 4521.82 6112.07 15815.81 22.91%
Investments outside India: 0.22 0.22 47.21 88.43 0.00%
Total 49393.54 58817.54 58607.63 70929.37 100.00%
ADVANCES:
2007-2008 2008-2009 2009-2010 2010-2011 2007-2008
in crores in crores in crores in crores
Bills purchased and Discounted 1637.38 4855.34 6361.47 9711.18 2.58%
15437.69 21597.2 23985.26 33177.91 24.34%
Term Loans 46351.83 72430.51 95483.86 117093.57 73.08%
Total 63426.9 98883.05 125830.59 159982.66 100.00%
Secured/Unsecured Advances:
Secured by Tangible Assets 42662.92 73467.83 89232.8 117492.89 64.23%
Covered by Bank/ Govt. Guarantees 4752.48 2495.61 2946.22 3313.73 7.15%
Unsecured advances 19011.5 22919.61 33651.58 39176.04 28.62%
Total 66426.9 98883.05 125830.6 159982.66 100.00%
Sectorial Advances:
Advances in India :
Priority Sectors 17426.29 29781.6 44157.57 54781.23 27.47%
Public Sector 477.2 3083.11 5263.47 5400.1 0.75%
Banks 8.75 366.67 622.91 28.6 0.01%
Others 45514.66 64818.3 73808.21 95119.19 71.76%
Advances Outside India
(i) Due from Banks 0 0 0 1380.99 0.00%
(ii) Due from Others
Bills Purchased and discounted 0 46.95 45.44 107.47 0.00%
Syndicated Loans 0 0 0 1057.93 0.00%
Others 0 786.43 1932.99 2107.15 0.00%
repayable on demand
8/4/2019 Final Final Hdfc
8/46
Total Advances 63426.9 98883.06 125830.59 159982.66 100.00%
FIXED ASSETS : 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
TANGIBLE ASSETS :
Premises 442.91 567.8 801.93 816.64 37.69%
732.22 1131.11 1313.06 1354 62.31%
Leased Fixed Assets 0 7.82 7.82 0 0.00%
Total 1175.13 1706.73 2122.81 2170.64 100.00%
OTHER ASSETS : 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Interest accrued 1190.49 1418.26 1431.74 2291.93 27.04%
Advance tax (net of provision) 407.14 906.43 991.82 1000.53 9.25%
Stationery and stamps 28.23 31.09 25.46 22.17 0.64%
3.43 0.59 0.59 0.59 0.08%
194.17 0 180 0 4.41%
387.89 411.02 348.28 0.00%
Others (including deffered tax) 2579.23 3612.56 2914.52 10937.57 58.58%
Total 4402.69 6356.82 5955.15 14601.07 100.00%
CONTINGENT LIABILITIES : 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
233.52 569.42 590.37 1219.14 0.04%
12.08 45.64 8.88 131.71 0.00%
192995.55 233892.77 228108.36 301417.25 32.55%
374441.83 153372.23 223097.86 243971.34 63.14%
5662.16 7635.36 9481.88 11302.7 0.95%
10172.14 9387.38 12815.26 15440.61 1.72%
9490.8 1078.88 4948.89 1639.74 1.60%
Total 593008.08 405981.68 479051.5 575122.49 100.00%
PROFIT AND LOSS ACCOUNT
Other Fixed Assets(incl.Furniture/Fixtures)
Non banking assets acquired insatisfaction of claimspending allotmentresidential property
Claims against the bank notacknowledged as debts - Taxation
Claims against the bank notacknowledged as debts - Others
Liability on account of outstandingforward exchange contracts
Liability on account of outstandingderivative contracts
Guarantees given on behalf ofconstituents - in India
Acceptances, endorsements and otherobligations
Other items for which the bank iscontingently liable
8/4/2019 Final Final Hdfc
9/46
INTEREST EARNED 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Interest/Discount on Advances/Bills 6966.73 12136.75 12098.28 15085.01 68.88%
Income on Investments 2872.04 4007.96 3981.28 4675.44 28.39%
272.39 184.26 80.96 148.08 2.69%
Others 3.84 3.3 12.37 19.68 0.04%
Total 10115 16332.27 16172.89 19928.21 100.00%
OTHER INCOME 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Commission, Exchange and Brokerage 1714.5 2457.3 3005.9 3596.72 75.09%
Profit / (Loss) on sale of investments (net) 164.01 410.54 348.08 -83.68 7.18%
77.77 -27.99 -3.01 31.06 3.41%
0.70 4.19 4.02 (0.82) 0.03%
Profit on exchange transactions (net) 283.13 598.61 610.21 920.84 12.40%
0.18 0.45
Miscellaneous Income 43.04 -152.04 17.72 -129.42 1.89%
Total 2283.15 3290.61 3983.1 4335.15 100.00%
INTEREST EXPENDED 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Interest on deposits 4382.73 8015.45 6997.71 8028.3 89.68%
Interest on RBI / Inter bank borrowings 242.43 884.76 745.52 1336.44 4.96%
Others 261.96 10.89 43.07 20.33 5.36%
Total 4887.12 8911.1 7786.3 9385.07 100.00%
OPERATING EXPENSES 2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores in crores in crores 2007-2008
Payment to and provisions for employees 1301.36 2238.2 2289.18 2836.04 34.74%
Rent, Taxes & Lighting 258.61 507.4 561.05 626.3 6.90%
Printing & Stationery 130.98 167.06 164.54 222.78 3.50%
Advertisement and Publicity 114.73 108.68 83.12 158.95 3.06%
Depreciation on Bank's property 271.72 359.91 394.39 497.41 7.25%
Directors fees, Allowances and Expenses 0.39 0.42 0.45 0.47 0.01%
Auditors Fees & Expenses 0.82 1.33 1.03 1.02 0.02%
Income on balances with RBI and otherinter-bank funds
Profit / (Loss) on revaluation ofinvestments (net)
Profit on sale of building and other assets(net)
8/4/2019 Final Final Hdfc
10/46
Law Charges 10.5 19.31 32.31 31.5 0.28%
Postage, Telegrams, Telephones etc. 349.88 334.37 325.88 300.19 9.34%
Repairs and Maintenance 179.33 302.93 453.8 508.47 4.79%
Insurance 90.16 138.75 161.06 198.78 2.41%
Other Expenditure 1037.15 1354.45 1297.69 1771.01 27.69%
Total 3745.63 5532.81 5764.5 7152.92 100.00%
absolute values
capital and liabilities 2007-2008 2008-2009 2009-2010 2010-2011 2007-2008
capital 354.43 425.38 457.74 465.23 0.27
Equity Share Warrants 400.92
Reserves and Surplus 11142.8 14220.96 21061.84 24911.13 8.37
5.49 2.91 2.91
Deposits 100768.6 142811.58 167404.44 208586.41 75.67Borrowings 4478.86 9163.64 12915.69 14394.09 3.36
Other Liabilities and Provisions 16431.91 16242.83 20615.94 28992.86 12.34
total capital and liabilities 133176.6 183270.8 222458.56 277352.63 100
absolute values
assets 2007-2008 2008-2009 2009-2010 2010-2011 2007-2008
Cash 940.09 1586.19 2435.26 2997.95 0.71
Balances with Reserve Bank of India 11613.09 11941.02 13048.03 22102.86 8.72
2225.16 3979.4 14459.12 4568.02 1.67
Investments 49393.54 58817.54 58607.63 70929.37 37.09
Advances 63426.9 98883.05 125830.59 159982.66 47.63
Fixed assets 1175.13 1706.73 2122.81 2170.64 0.88
Other assets 4402.69 6356.82 5955.15 14601.07 3.31
total assets 133176.6 183270.8 222458.59 277352.57 100
ITEM 2007-2008 2008-2009 2009-2010 2010-2011
PAT
NPA
TAX - 35%
ENPA 0 0.22 0.39
Employees Stock Options (Grants)Outstanding
Balances with Banks and Money at Calland Short notice
8/4/2019 Final Final Hdfc
11/46
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
16.16% 14.41% 16.13% 51.29% 32.07% 32.33% The Growth in the Bal5.18% 4.89% 5.71% 43.88% 40.06% 38.09%
24.30% 21.52% 24.79% 34.22% 31.17% 36.21% The percentage of the
46.02% 52.60% 47.77% 0.99% 69.30% 7.41%
7.48% 5.05% 4.27% 0.00% 0.00% 0.00%
0.67% 1.40% 1.19% 5273.60% 208.53% 0.12%
0.19% 0.12% 0.17% 0.00% -5.39% 59.49%
0.00% 0.01% 0.02% 100.09% 5033.33% 194.16%
100.00% 100.00% 118.28% 27.62% 48.10% 18.28%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
0.53% 0.63% 0.49% -10.12% 39.02% -3.50% The Term Deposits ar
19.39% 21.61% 21.79% -0.82% 30.65% 25.63%
24.45% 29.79% 30.42% 33.50% 42.85% 27.21% The substantial increa
1.14% 0.83% 0.68% 7.30% -15.22% 3.21%
54.49% 47.14% 46.62% 75.53% 1.41% 23.23%
100% 100% 100% 41.72% 17.22% 24.60%
the deposits of branches show the increasing reach of HDFC bank.
in foreign branches indicate the growing confidence of foreign market in the bank.
% OF TOTAL CHANGE FROM PREVIOUS YEAR
8/4/2019 Final Final Hdfc
12/46
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
0.00% 0.00% 0.83% 0.00% 0.00%
11.39% 14.77% 4.90% 17.72% 82.78% -63.05% Borrowings from india
61.60% 58.27% 6.44% 2565845.45% 33.32% -87.68%
0.00% 0.00% 48.26%27.00% 26.95% 39.56% -31.10% 40.68% 63.58%
100.00% 100.00% 100.00% 104.60% 40.94% 11.45%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
17.99% 28.74% 19.44% -7.44% 102.77% -4.89%
20.46% 9.69% 9.64% 98.47% -39.92% 39.91%
53.80% 54.78% 65.22% 17.06% 29.23% 67.46%
-100.00%
4.68% 3.69% 2.62% 42.49% 0.00% 0.00%
3.06% 3.11% 3.08% 41.20% 28.70% 39.29%
100.00% 100.00% 100.00% -1.15% 26.92% 40.63%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
11.73% 15.73% 11.94% 68.73% 53.53% 23.11% The significant increas
87.53% 83.63% 87.66% 2.85% 9.35% 69.93%
0.74% 0.65% 0.40% 0.00% 0.00% 0.00%
100.00% 100.00% 100.00% 7.76% 14.46% 62.12%
% OF TOTAL CHANGE FROM PREVIOUS YEAR2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
6.13% 2.17% 5.03% -15.26% 28.40% -26.67%
16.61% 2.74% 21.34% -6.50% -40.11% 146.22%
0.00% 3.56% 23.42% 107.77%
31.22% 68.02% 2.74% 691.74% -98.73%
8/4/2019 Final Final Hdfc
13/46
13.31% 2.12% 10.15% 205.08% -42.21% 51.45%
2.55% 0.00% 5.37% 2619.57% -100.00%
30.18% 21.39% 31.95% 14.05% 157.60% -52.82%
100.00% 100.00% 100.00% 78.84% 263.35% -68.41%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
88.68% 87.10% 75.64% 64.71% -2.12% 5.10%
0.00% 0.00% 0.00% 115.52% -60.00% -2.00%
0.07% 0.18% 0.13% 15.29% 160.58% -9.70%
3.30% 1.94% 0.75% -68.92% -41.36% -53.06%
0.26% 0.26% 1.05% 25.30% 0.00% 380.40%
7.69% 10.43% 22.30% -60.04% 35.17% 158.76%
0.00% 0.08% 0.12% 0.00% 21359.09% 87.31%
100.00% 100.00% 100.00% 19.08% -0.36% 21.02%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
4.91% 5.06% 6.07% 196.53% 31.02% 52.66% The growth in term loa
21.84% 19.06% 20.74% 39.90% 11.06% 38.33%
73.25% 75.88% 73.19% 56.26% 31.83% 22.63%
100.00% 100.00% 100.00% 55.90% 27.25% 27.14%
Secured advances are
74.30% 70.92% 73.44% 72.21% 21.46% 31.67%
2.52% 2.34% 2.07% -47.49% 18.06% 12.47%
23.18% 26.74% 24.49% 20.56% 46.82% 16.42%
100.00% 100.00% 100.00% 48.86% 27.25% 27.14%
30.12% 35.09% 34.24% 70.90% 48.27% 24.06% There is healthy growt
3.12% 4.18% 3.38% 546.08% 70.72% 2.60%
0.37% 0.50% 0.02% 4090.51% 69.88% -95.41%
65.55% 58.66% 59.46% 42.41% 13.87% 28.87%
0.00% 0.00% 0.86%
0.05% 0.04% 0.07% -3.22% 136.51%
0.00% 0.00% 0.66%
0.80% 1.54% 1.32% 145.79% 9.01%
8/4/2019 Final Final Hdfc
14/46
100.00% 100.00% 100.00% 55.90% 27.25% 27.14%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
33.27% 37.78% 37.62% 28.20% 41.23% 1.83%
66.27% 61.85% 62.38% 54.48% 16.09% 3.12%
0.46% 0.37% 0.00% 0.00% 0.00% -100.00%
100.00% 100.00% 100.00% 45.24% 24.38% 2.25%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
22.31% 24.04% 15.70% 19.13% 0.95% 60.08%
14.26% 16.65% 6.85% 122.63% 9.42% 0.88%
0.49% 0.43% 0.15% 10.13% -18.11% -12.92%
0.01% 0.01% 0.00% -82.80% 0.00% 0.00%
0.00% 3.02% 0.00% -100.00% -100.00%
6.10% 6.90% 2.39% 5.96% -15.26%
56.83% 48.94% 74.91% 40.06% -19.32% 275.28%
100.00% 100.00% 100.00% 44.38% -6.32% 145.18%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
0.14% 0.12% 0.21% 143.84% 3.68% 106.50%
0.01% 0.00% 0.02% 277.81% -80.54% 1383.22%
57.61% 47.62% 52.41% 21.19% -2.47% 32.14%
37.78% 46.57% 42.42% -59.04% 45.46% 9.36%
1.88% 1.98% 1.97% 34.85% 24.18% 19.20%
2.31% 2.68% 2.68% -7.71% 36.52% 20.49%
0.27% 1.03% 0.29% -88.63% 358.71% -66.87%
100.00% 100.00% 100.00% -31.54% 18.00% 20.05%
8/4/2019 Final Final Hdfc
15/46
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
74.31% 74.81% 75.70% 74.21% -0.32% 24.69% interest income and in
24.54% 24.62% 23.46% 39.55% -0.67% 17.44%
1.13% 0.50% 0.74% -32.35% -56.06% 82.91%
0.02% 0.08% 0.10% -14.06% 274.85% 59.09%
100.00% 100.00% 100.00% 61.47% -0.98% 23.22%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
74.68% 75.47% 82.97% 43.32% 22.33% 19.66%
12.48% 8.74% -1.93% 150.31% -15.21% -124.04% increase in other inco
-0.85% -0.08% 0.72% -135.99% -89.25% -1131.89%
0.13% 0.10% -0.02% 498.57% -4.06% -120.40%
18.19% 15.32% 21.24% 111.43% 1.94% 50.91%
0.00% 0.01% 150.00%
-4.62% 0.44% -2.99% -453.25% -111.65% -830.36%
100.00% 100.00% 100.00% 44.13% 21.04% 8.84%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
89.95% 89.87% 85.54% 82.89% -12.70% 14.73% Higher expended inco
9.93% 9.57% 14.24% 264.95% -15.74% 79.26%
0.12% 0.55% 0.22% -95.84% 295.50% -52.80%
100.00% 100.00% 100.00% 82.34% -12.62% 20.53%
% OF TOTAL CHANGE FROM PREVIOUS YEAR
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
40.45% 39.71% 39.65% 71.99% 2.28% 23.89%
9.17% 9.73% 8.76% 96.20% 10.57% 11.63%
3.02% 2.85% 3.11% 27.55% -1.51% 35.40%
1.96% 1.44% 2.22% -5.27% -23.52% 91.23% A Significant portion o
6.51% 6.84% 6.95% 32.46% 9.58% 26.12%
0.01% 0.01% 0.01% 7.69% 7.14% 4.44%
0.02% 0.02% 0.01% 62.20% -22.56% -0.97%
8/4/2019 Final Final Hdfc
16/46
0.35% 0.56% 0.44% 83.90% 67.32% -2.51%
6.04% 5.65% 4.20% -4.43% -2.54% -7.88%
5.48% 7.87% 7.11% 68.92% 49.80% 12.05%
2.51% 2.79% 2.78% 53.89% 16.08% 23.42%
24.48% 22.51% 24.76% 30.59% -4.19% 36.47%
100.00% 100.00% 100.00% 47.71% 4.19% 24.09%
% of total liabilities increase / decrease
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
0.23 0.21 0.17 20% 8% 2%
0.22 Deposits constitute a
7.76 9.47 8.98 28% 48% 18%
77.92 75.25 75.21 42% 17% 25%5.00 5.81 5.19 105% 41% 11%
8.86 9.27 10.45 -1% 27% 41%
100 100 124.68 38% 21% 25%
% of total assets increase / decrease
2008-2009 2009-2010 2010-2011 2008-2009 2009-2010 2010-2011
0.87 1.09 1.08 68.73% 53.53% 23.11% Investment and advan
6.52 5.87 7.97 2.82% 9.27% 69.40%
2.17 6.50 1.65 78.84% 263.35% -68.41%
32.09 26.35 25.57 19.08% -0.36% 21.02% the rapid increase in m
53.95 56.56 57.68 55.90% 27.25% 27.14%
0.93 0.95 0.78 45.24% 24.38% 2.25%
3.47 2.68 5.26 44.38% -6.32% 145.18%
100 100 100 37.61% 21.38% 24.68%
8/4/2019 Final Final Hdfc
17/46
nce in the Profit and Loss A/c has shown a significan jump of additional 5% in 2010-11 as compared to the fall in
balalnce in P & L a/c shows a significantly higher balance than the general reserve showing that the bank is signi
less than 50% of the total deposits. This indiicates that the bank must be careful regarding its liquidity and plan f
e in savings bank is a good indication (growing at higher pace than demand deposits) as generally people with s
8/4/2019 Final Final Hdfc
18/46
banks and other institutions have decreased signifcantly while borrowings from outside india has grown significa
e in the deposits with RBI indicate the growth in deposits of HDFC bank (especially savings deposits) and fullfillin
8/4/2019 Final Final Hdfc
19/46
ns is less compared to bills discounted, cash credit, Ods, etc. This means that the bank has higher reinvestment/
growing at better rate than unsecured advances indicating that HDFC is making safer loans while growing
h in advances to the the priority and other sectors and there is a decline in advances to other banks. Indicates th
8/4/2019 Final Final Hdfc
20/46
8/4/2019 Final Final Hdfc
21/46
estment income have seen a better growth in 2010-11 as compared 2009-10. It shows that the core banking bus
e has slowed down significantly indicating the increased dependency on core banking activities
e towards RBI/inter bank borrowings indicate a need to better manage the rporting Friday cycles so that lower i
the operating expenses go towards payments towards manpower which is typical of a service sector. The overal
8/4/2019 Final Final Hdfc
22/46
ajor part of the capital and liabilities of HDFC. It is a good indicator of showing the importance of core banking o
ces togather contribute more than 80% of all assets again reaffirming HDFC's concentration towards its core bus
anaging assets in cash shows the increase in requirement to maintain higher liquidity due to the increase in savi
8/4/2019 Final Final Hdfc
23/46
2008-09. This could be also a result of the global recession which had a slight impact on the indian financial mar
ficantly growing with the annual additions into the profits.
or its investments carefully
avings bank withdraw amount only for their expenses and the remaining lies for a very long time. The increase in
8/4/2019 Final Final Hdfc
24/46
ntly. This could be attributed to the lower cost of foreign markets as compared to the Indian scenario
g of the CRR and SLR norms
8/4/2019 Final Final Hdfc
25/46
e-lending risk. This also the reflects in the higher growth of demand deposits and savings deposits where the liq
t the bank is able to lend at higher rates to loan seekers as compared to interest earned on advances to other ba
8/4/2019 Final Final Hdfc
26/46
8/4/2019 Final Final Hdfc
27/46
iness is performing better.
terbank borrowings happen.
l increase in expenses by 24% in 2010-11 may be attributed to the significant increase in the savings deposits ac
8/4/2019 Final Final Hdfc
28/46
erations where the liability of deposits have to be met by lending and investing. The growth in deposits at 25% is
iness. At an average increase of about 25% theinvestment and advances are growing on par with growth in depo
gs and demand deposits as compared to term deposits
8/4/2019 Final Final Hdfc
29/46
ket.
savings bank depsits also indicate the better prospects towards retail banking and also wealth management.
8/4/2019 Final Final Hdfc
30/46
8/4/2019 Final Final Hdfc
31/46
idity demand is higher
nks
8/4/2019 Final Final Hdfc
32/46
8/4/2019 Final Final Hdfc
33/46
count resulting in more transactions
8/4/2019 Final Final Hdfc
34/46
a healthy indicator of money coming in and also the boosted confidence in customers
sits. This shows that they are able to allocate their funds well.
8/4/2019 Final Final Hdfc
35/46
Capital Adequacy
Capital Adequacy Ratio
2007-2008 2008-2009 2009-2010
Capital (Tier I + Tier II) 14,611 20,420 27,164Total Risk Weighted Asset 60102.07 79190.58 101387.17
24.31% 25.79% 26.79%
Debt-Equity Ratio2007-2008 2008-2009 2009-2010
Total Borrowings 4479 9164 12916
Total Deposits 100769 142812 167404
Total Debt 105247 151975 180320Net Worth:Equity Capital 354 425 458
Reserves & Surplus 11143 14221 21062
Net Worth 11497 14646 21520
DEBT-EQUITY RATIO 9.15 10.38 8.38
Advances to Assets2007-2008 2008-2009 2009-2010
Total Advances 63426.90 98883.05 125830.59
Total Assets 133176.60 183270.75 222458.59
Advances to Assets 47.63% 53.95% 56.56%
G-Secs to Total Investments2007-2008 2008-2009 2009-2010
Investment in G-Secs 31665.58 52156.58 51049.93
Total Investments 49393.54 58817.54 58607.63
Ratio 64.11% 88.68% 87.10%
Asset Quality
Net NPAs to Total Assets2007-2008 2008-2009 2009-2010
Net NPAs 298.52 627.62 392.05Total Assets 133176.60 183270.75 222458.59
8/4/2019 Final Final Hdfc
36/46
8/4/2019 Final Final Hdfc
37/46
Business per Employee2007-2008 2008-2009 2009-2010
Total Adavnces 63427 98883 125831
Total Deposits 100769 142812 167404Total 164196 241695 293235
No. Of Employees 37836 52687 51888
Ratio 4.34 4.59 5.65
Return on Net Worth2007-2008 2008-2009 2009-2010
PAT 1590 2245 2949
Net Worth 11497 14646 21520Average Net Worth 5749 13072 18083
Ratio 27.66% 17.17% 16.31%
Earnings Quality
Operating Profit/Average Working Funds2007-2008 2008-2009 2009-2010
Operating Profit 3765 5179 6430Total Assets 133176.60 183270.75 222458.59
Average Working Funds 364.87 502.11 609.48
Ratio 10.32 10.31 10.55
Spread2007-2008 2008-2009 2009-2010
Interest Income 10115.00 16332.27 16172.89Interest Expended 4887.12 8911.10 7786.30
Net 5228 7421 8387
Total Assets 133177 183271 222459
Ratio 3.93% 4.05% 3.77%
PAT/Average Assets2007-2008 2008-2009 2009-2010
PAT 1590 2245 2949Total Assets 133177 183271 222459
8/4/2019 Final Final Hdfc
38/46
Average Assets 112206 158223.68 202864.67
Ratio 1.42% 1.42% 1.45%
Percentage Growth In Net Profit2007-2008 2008-2009 2009-2010
PAT 1590 2245 2949
% Growth in PAT 39.31% 41.18% 31.35%
Non-Interest Income/Total Income2007-2008 2008-2009 2009-2010
Non-Interest Income 2283 3290.6 3983.11Total Income 12398 19623 20156
Ratio 18.42% 16.77% 19.76%
Interest Income/Total Income2007-2008 2008-2009 2009-2010
Interest Income 10115 16332 16173
Total Income 12398 19622.86 20155.83
Ratio 81.58% 83.23% 80.24%
Liquidity
Liquid Assets/Demand Deposits
2007-2008 2008-2009 2009-2010
Liquid Assets:
Cash in hand and Balances with RBI 12553 13527 15483
2225 3979 14459
Total Liquid Assets 14778 17507 29942
Demand Deposits:
From Banks 845 759 1055
From Others 27915 27686 36172
Total Demand Deposits 28760 28445 37227
Ratio 51.39% 61.55% 80.43%
Balances with other banks & money at call& short notice
8/4/2019 Final Final Hdfc
39/46
Liquid Assets by Total Deposits2007-2008 2008-2009 2009-2010
Liquid Assets:Cash in hand and Balances with RBI 12553 13527 15483
2225 3979 14459
Total Liquid Assets 14778 17507 29942
Total Deposits 100769 142812 167404
Ratio 14.67% 12.26% 17.89%
Liquid Assets by Total Assets2007-2008 2008-2009 2009-2010
Liquid Assets:
Cash in hand and Balances with RBI 12553 13527 15483
2225 3979 14459
Total Liquid Assets 14778 17507 29942
Total Assets 133177 183271 222459
Ratio 11.10% 9.55% 13.46%
G-Secs By Total Assets2007-2008 2008-2009 2009-2010
G-Secs 31666 52157 51050
Total Assets 133177 183271 222459
Ratio 23.78% 28.46% 22.95%
Approved Securities/Total Assets2007-2008 2008-2009 2009-2010
Approved Securities 0.58 1.25 0.50
Total Assets 133176.60 183270.75 222458.59
Ratio 0.0004% 0.0007% 0.0002%
Balances with other banks & money at call& short notice
Balances with other banks & money at call& short notice
8/4/2019 Final Final Hdfc
40/46
ENPA= 2007-2008 2008-2009 2009-2010
PROFIT BEFORE TAX 2446 3454 4536
NET NPA 299 628 392
819.52% 550.29% 1157.11%
Total Reserves to Total Assets2007-2008 2008-2009 2009-2010
TOTAL RESERVE 11143 14221 21062
TOTAL ASSETS 133177 183271 222459
Ratio 8.37% 7.76% 9.47%
8/4/2019 Final Final Hdfc
41/46
2010-2011 RBI
32,178 567381131535.47 3901396
24.46% 14.54%
2010-2011 RBI
14394 148803
208586 822801
222981 971604
465 4549
24811 115435
25276 119984
8.82 8.1
2010-2011 RBI
159982.66 632494
277352.57 1150810
57.68% 54.96%
2010-2011 RBI
53651.28 241192
70929.37 354117
75.64% 68.11%
2010-2011 RBI
296.41 6506277352.57 1150810
8/4/2019 Final Final Hdfc
42/46
0.11% 0.57%
2010-2011 RBI
296.41 6506
159982.66 632494
0.19% 1.03%
2010-2011 RBI
70929 354117277353 1150810
25.57% 30.77%
2010-2011 RBI
296.41 6506 7412
-100.00% -12.22%
2010-2011 RBI
159983 632494
208586 822801
76.70% 76.87%
2010-2011
39264009000
55752
704262
8/4/2019 Final Final Hdfc
43/46
2010-2011
159983
208586368569
55752
6.61
2010-2011
RBI
3926
25276 5710923398 721972
16.78% 7.91%
2010-2011 RBI
7725 122419277352.57 5591924
759.87 15320.34
10.17 7.99
2010-2011 RBI
19928.21 4157529385.07 272084
10543 143668
277353 5591924
3.80% 2.57%
2010-2011 2006-07 RBI
3926 57109277353 91235.61 5591924
8/4/2019 Final Final Hdfc
44/46
249905.58
1.57% 1.02%
2010-2011 2006-07 RBI
3926 1141.45
33.16% 8.26%
2010-2011 RBI
4335.15 7851924263 494271
17.87% 15.89%
2010-2011 RBI
19928 415752
24263.36 494271
82.13% 84.11%
2010-2011 RBI
25101
4568
29669 114539
1018
45442
46460 134589
63.86% 85.10%
8/4/2019 Final Final Hdfc
45/46
2010-2011 RBI
25101
4568
29669 114539
208586 822801
14.22% 13.92%
2010-2011 RBI
25101
4568
29669 114539
277353 1150810
10.70% 9.95%
2010-2011 RBI
53651 241192
277353 1150810
19.34% 20.96%
2010-2011 RBI
0.49 311
277352.57 1150810
0.0002% 0.03%
8/4/2019 Final Final Hdfc
46/46
2010-2011 RBI
6041 57109
296 36150
2037.93% 243.04%
2010-2011 RBI
24811 115435
277353 1150810
8.95% 10.03%