Balance Sheet of HDFC Bank

------------------- in Rs. Cr. -------------------

Mar '14

Mar '13

Mar '12

Mar '11

Mar '10

12 mths

12 mths

12 mths

12 mths

12 mths

Total Share Capital

479.81

475.88

469.34

465.23

457.74

Equity Share Capital

479.81

475.88

469.34

465.23

457.74

Share Application Money

0.00

0.00

0.30

2.91

0.00

Preference Share Capital

0.00

0.00

0.00

0.00

0.00

Reserves

42,998.82

35,738.26

29,455.04

24,911.13

21,064.75

Net Worth

43,478.63

36,214.14

29,924.68

25,379.27

21,522.49

Deposits

367,337.48

296,246.98

246,706.45

208,586.41

167,404.44

Borrowings

39,438.99

33,006.60

23,846.51

14,394.06

12,915.69

Total Debt

406,776.47

329,253.58

270,552.96

222,980.47

180,320.13

41,344.40

34,864.17

37,431.87

28,992.86

20,615.94

491,599.50

400,331.89

337,909.51

277,352.60

222,458.56

Mar '14

Mar '13

Mar '12

Mar '11

Mar '10

12 mths

12 mths

12 mths

12 mths

12 mths

Cash & Balances with RBI

25,345.63

14,627.40

14,991.09

25,100.82

15,483.28

Balance with Banks, Money at Call

14,238.01

12,652.77

5,946.63

4,568.02

14,459.11

Advances

303,000.27

239,720.64

195,420.03

159,982.67

125,830.59

Investments

120,951.07

111,613.60

97,482.91

70,929.37

58,607.62

Gross Block

2,939.92

2,703.08

2,347.19

2,170.65

4,707.97

Revaluation Reserves

0.00

0.00

0.00

0.00

0.00

Accumulated Depreciation

0.00

0.00

0.00

0.00

2,585.16

2,939.92

2,703.08

2,347.19

2,170.65

2,122.81

0.00

0.00

0.00

0.00

0.00

Other Assets

25,124.60

19,014.41

21,721.64

14,601.08

5,955.15

Total Assets

491,599.50

400,331.90

337,909.49

277,352.61

222,458.56

Contingent Liabilities

744,097.98

746,226.39

883,985.32

588,550.98

466,236.24

0.00

0.00

0.00

0.00

20,940.13

181.23

152.20

127.52

545.46

470.19

Capital and Liabilities:

Other Liabilities & Provisions

Total Liabilities

Assets

Net Block
Capital Work In Progress

Bills for collection

Book Value (Rs)

Profit & Loss account of HDFC Bank

------------------- in Rs. Cr. -------------------

Mar '14

Mar '13

Mar '12

Mar '11

Mar '10

12 mths

12 mths

12 mths

12 mths

12 mths

41,135.53

35,064.87

27,286.35

19,928.21

16,172.90

Other Income

7,919.64

6,852.62

5,243.69

4,335.15

3,810.62

Total Income

49,055.17

41,917.49

32,530.04

24,263.36

19,983.52

22,652.90

19,253.75

14,989.58

9,385.08

7,786.30

4,178.98

3,965.38

3,399.91

2,836.04

2,289.18

13,073.31

11,320.41

8,430.96

7,618.43

6,564.95

671.61

651.67

542.52

497.41

394.39

0.00

0.00

0.00

0.00

0.00

12,042.20

11,236.12

8,590.07

7,152.91

7,703.41

5,881.70

4,701.34

3,783.32

3,798.97

1,545.11

40,576.80

35,191.21

27,362.97

20,336.96

17,034.82

Mar '14

Mar '13

Mar '12

Mar '11

Mar '10

12 mths

12 mths

12 mths

12 mths

12 mths

8,478.38

6,726.28

5,167.09

3,926.40

2,948.70

0.00

0.00

0.00

0.00

-0.93

11,132.18

8,399.65

6,174.24

4,532.79

3,455.57

Income
Interest Earned

Expenditure
Interest expended
Employee Cost
Selling, Admin & Misc Expenses
Depreciation
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses

Net Profit for the Year

Extraordinary Items
Profit brought forward

Total

19,610.56

15,125.93

11,341.33

8,459.19

6,403.34

0.00

0.00

0.00

0.00

0.00

1,643.35

1,309.08

1,009.08

767.62

549.29

279.29

222.48

163.70

124.53

91.23

35.34

28.27

22.02

84.40

64.42

Equity Dividend (%)

342.50

275.00

215.00

165.00

120.00

Book Value (Rs)

181.23

152.20

127.52

545.46

470.19

2,185.93

1,789.56

1,252.20

1,000.16

935.15

847.84

672.63

516.71

392.64

294.87

1,922.64

1,531.56

1,172.78

892.15

640.52

Balance c/f to Balance Sheet

14,654.15

11,132.18

8,399.65

6,174.24

4,532.79

Total

19,610.56

15,125.93

11,341.34

8,459.19

6,403.33

Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)

Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt

Key Financial Ratios of HDFC

Bank

Mar '14

Mar '13

Mar '12

Mar '11

Mar '10

Face Value

2.00

2.00

2.00

10.00

10.00

Dividend Per Share

6.85

5.50

4.30

16.50

12.00

29.65

21.97

18.11

83.56

106.25

171.47

147.37

116.28

428.36

436.03

Free Reserves Per Share (Rs)

--

--

--

--

363.55

Bonus in Equity Capital

--

--

--

--

--

Investment Valuation Ratios

Operating Profit Per Share (Rs)

Net Operating Profit Per Share (Rs)

Profitability Ratios
Interest Spread

8.01

8.78

8.42

8.25

5.89

Adjusted Cash Margin(%)

18.65

17.60

17.55

18.23

16.71

Net Profit Margin

17.28

16.04

15.88

16.18

14.76

Return on Long Term Fund(%)

81.47

80.09

75.20

59.91

56.08

Return on Net Worth(%)

19.50

18.57

17.26

15.47

13.70

Adjusted Return on Net Worth(%)

19.50

18.57

17.26

15.47

13.68

Return on Assets Excluding Revaluations

181.23

152.20

127.52

545.46

470.19

Return on Assets Including Revaluations

181.23

152.20

127.52

545.46

470.19

Interest Income / Total Funds

9.22

9.50

8.87

7.97

9.84

Net Interest Income / Total Funds

4.14

4.28

4.00

4.22

6.00

Non Interest Income / Total Funds

1.78

1.86

1.70

1.73

0.01

Interest Expended / Total Funds

5.08

5.22

4.87

3.76

3.84

Operating Expense / Total Funds

2.55

2.87

2.62

2.66

3.60

Profit Before Provisions / Total Funds

3.22

3.10

2.91

3.09

2.21

Net Profit / Total Funds

1.90

1.82

1.68

1.57

1.45

Loans Turnover

0.27

0.36

0.15

0.14

0.18

11.00

11.36

10.57

9.71

9.85

Interest Expended / Capital Employed(%)

5.08

5.22

4.87

3.76

3.84

Total Assets Turnover Ratios

0.09

0.10

0.09

0.08

0.10

Asset Turnover Ratio

0.10

0.11

0.10

0.09

0.11

Interest Expended / Interest Earned

55.07

54.91

54.93

47.09

48.14

Other Income / Total Income

16.14

16.35

16.12

17.87

0.09

Operating Expense / Total Income

23.18

25.25

24.74

27.43

36.59

--

--

--

--

0.41

Capital Adequacy Ratio

16.07

16.80

16.52

16.22

17.44

Advances / Loans Funds(%)

82.33

--

79.19

79.34

77.24

Credit Deposit Ratio

45.66

--

78.06

76.02

72.44

Investment Deposit Ratio

35.05

38.51

36.99

34.45

37.85

Cash Deposit Ratio

6.02

5.46

8.81

10.79

9.35

Total Debt to Owners Fund

8.45

8.18

8.24

8.22

7.78

Financial Charges Coverage Ratio

0.66

0.63

0.63

0.88

0.63

Financial Charges Coverage Ratio Post

Tax

1.40

1.38

1.38

1.47

1.43

Management Efficiency Ratios

Total Income / Capital Employed(%)

Profit And Loss Account Ratios

Selling Distribution Cost Composition

Balance Sheet Ratios

Debt Coverage Ratios

Leverage Ratios

Current Ratio

0.06

0.06

0.08

0.06

0.03

Quick Ratio

8.55

7.84

6.20

6.89

7.14

Dividend Payout Ratio Net Profit

19.38

19.46

19.52

19.55

18.62

Dividend Payout Ratio Cash Profit

17.96

17.74

17.67

17.35

16.43

Earning Retention Ratio

80.62

80.54

80.48

80.45

81.35

Cash Earning Retention Ratio

82.04

82.26

82.33

82.65

83.55

AdjustedCash Flow Times

40.15

40.15

43.21

47.15

50.14

Mar '14

Mar '13

Mar '12

Mar '11

Mar '10

35.34

28.27

22.02

84.40

64.42

181.23

152.20

127.52

545.46

470.19

Cash Flow Indicator Ratios

Earnings Per Share

Book Value