HDFC BANK

COMPUTATION OF THE TIER I AND TIER II CAPITAL

TIER I
Item
Paid-up share capital
Statutory reserve
General reserve
Capital reserve
Share premium account
Balance in profit and loss account
Innovative perpetual debt
Amalgamation reserve

2007-2008 2008-2009 2009-2010 2010-2011

in crores in crores
in crores
in crores
354.43
425.38
457.74
465.23
1,519.37
2298.73
3035.9
4017.05
511.56
736.05
1030.92
1423.56
1.78
95.65
295.11
295.47
6479.48
6543.8
11078.96
11899.64
2574.61
3455.57
4532.79
6174.24
200
200
200
200
14.52
1063.56
1063.56
1063.56

Deductions
Deferred tax asset
Credit enhancement on securitisation (50%)
Investment in subsidiary
Market Risk Charge

Total

383.21
85.82
123.76

861.92
203.7

844.16
240.75

1189.29
223.18
52.06

11062.96 13753.11 20610.07

24074.22

TIER II
Item
Subordinated Debt
Debt capital instruments
Investment reserve account
Provision for standard assets
Floating provision
Deductions
Credit enhancement on securitisation

2007-2008 2008-2009 2009-2010 2010-2011

in crores in crores
in crores
in crores
2,012.00
3264.48
3248.24
2925
1037.1
2818.1
2759.90
3861.85
41.48
27.63
26.14
41.69
533.58
760.29
760.29
763.45
10.03
735.03

85.82

203.7

240.75

223.18

3548.37

6666.8

6553.82

8103.84

TOTAL CAPITAL(TIER I + TIER II)14611.33 20419.91 27163.89

32178.06

Total

Capital Adequacy Ratio

Risk Adjusted Assets
Domestic Operations

Paritculars

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 securities
(ii) Claims on commercial banks such as
certificates of deposits, etc.
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
(vi) Other assets
Total RWA

Weights

1
1

524
4,454
132,577

Conversio
n
factor
2007-2008
(i) guarantees given on behalf of constituents in 100%
india

TOTAL RWA
CAPITAL
CAR

5,662

1,707
6,357
183,271

2008-2009
7,635

2,123
5,955
222,459

2009-2010
9,482

2,171
14,601
277,353

2010-2011
11,303

TOTAL RWA
Capital (Tier I + Tier II)
CAR

Risk Weighted Assets

2007-2008 2008-2009 2009-2010 2010-2011
in crores in crores
in crores
in crores
445
796
2,892
914
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
2,171
4,454
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
14,611
24.31%

79,191
20,420
25.79%

101,387
27,164
26.79%

131,535
32,178
24.46%

10,272,964
2,106,522
8,166,442
13,540,038
442,456

RESERVES

Statutory Reserves

2007-2008 2008-2009 2009-2010 2010-2011

in crores
in crores
in crores in crores
1519.37
2298.73
3035.9
4017.5

Profit for the Year

20% of Profits
The Statutory Reserve for all the three
years is more than the minimum
requirement of 20% of the Profits for
the year

RESERVES
Statutory reserve
General reserve
Balance in profit and loss account
Share Premium account
Amalgamation reserve
Capital reserve
Investment Reserve Account
Foreign Currency Translation Account
Total Reserves

DEPOSITS
Demand deposits from Banks
Demand deposits from Others
Savings bank deposits
Term Deposits from Banks
Term Deposits from others
Total Deposits

DEPOSITS
Deposits of Branches in India
Deposits of Branches Outside India
Total Deposits

BORROWINGS

2007-2008 2008-2009 2009-2010 2010-2011

in crores
in crores
in crores in crores 2007-2008
1519.37
2298.73
3035.9
4017.5
13.64%
511.56
736.05
1030.92
1423.56
4.59%
2574.61
3455.57
4532.79
6174.24
23.11%
6479.48
6543.8 11078.96 11899.64
58.15%
14.52
1063.56
1063.56
1063.56
0.13%
1.78
95.65
295.11
295.47
0.02%
41.48
27.63
26.14
41.69
0.37%
0.03
1.54
4.53
0.00%
11142.8

14220.96

21061.84

24911.13

100.00%

2007-2008 2008-2009 2009-2010 2010-2011

in crores
in crores
in crores in crores 2007-2008
844.71
759.22
1055.46
1018.48
0.84%
27914.99
27685.7 36171.64 45442.01
27.70%
26153.94
34914.74 49876.78 63447.79
25.95%
1519.59
1630.53
1382.44
1426.76
1.51%
44335.37
77821.39 78918.12 97251.37
44.00%
100768.6

142811.58 167404.44 208586.41

% OF TOTAL

% OF TOTAL

100%

2007-2008 2008-2009 2009-2010 2010-2011

in crores
in crores
in crores in crores
100768.6 142767.06 167340.27 208322.1 The rise in the deposits of bra
0
44.52
64.17
264.31 Also the rise in foreign branches
100768.6

2007-2008

142811.58 167404.44 208586.41

2008-2009

2009-2010 2010-2011

% OF TOTAL

in crores

in crores

in crores

in crores

2007-2008

Borrowings in India:
RBI
Other Banks
Other Institutions and Agencies
Upper and Lower Tier II capital and
Innovative perpetual debt
Borrowings outside India:

0
886.78
0.22

0
1043.92
5645.08

0
1908.03
7526.3

120
705.06
927.04

0.00%
19.80%
0.00%

3591.86

2474.64

3481.36

6947.1
5694.89

0.00%
80.20%

Total Borrowings

4478.86

9163.64

12915.69

14394.09

100.00%

OTHER LIABILITIES & PROVISIONS

2007-2008
in crores

Bills Payable
Interest Accrued
Others (including provisions)
Upper and Lower Tier II capital and
Innovative Perpetual Debt*
Contingent Provisions against standard
assets
Proposed Dividend (including tax on
dividend)

3157.21
1674.75
7464.8

Total other liabilities and provisions

CASH AND BALANCES WITH RBI

Cash in hand (including foreign currency

notes)
Balances with Reserve Bank of India
a) In current accounts
(b) In other accounts
Total

2008-2009
in crores
2922.41
3323.87
8738.58

2009-2010 2010-2011
in crores in crores 2007-2008
5925.74
1996.83
11292.56

5636.15
2793.69
18910.58

3249.1

19.21%
10.19%
45.43%
19.77%

533.58

760.29

760.29

760.29

3.25%

352.47

497.68

640.52

892.15

2.15%

16431.91

16242.83

20615.94

28992.86

100.00%

2007-2008
in crores

% OF TOT

2008-2009
in crores

2009-2010 2010-2011
in crores in crores 2007-2008

940.09

1586.19

2435.26

2997.95

7.49%

11513.09
100

11841.02
100

12948.03
100

22002.86
100

91.71%
0.80%

12553.18
0.08%

13527.21
6.52%

15483.29
5.87%

25100.81
7.97%

100.00%

2007-2008 2008-2009 2009-2010 2010-2011

BALANCES WITH BANKS AND
MONEY AT CALL AND SHORT NOTICE in 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%

% OF TOTAL

% OF TOTAL

Outside India
(i) In current accounts
(ii) In deposit accounts
(iii) Money at call and short notice

173.67
3.73
1052.85

529.84
101.44
1200.82

306.22
0
3093.3

463.77
245.27
1459.42

7.80%
0.17%
47.32%

Total

2225.16

3979.4

14459.12

4568.02

100.00%

INVESTMENTS

2007-2008
in crores

2008-2009
in crores

2009-2010 2010-2011
in crores in crores 2007-2008

Investments in India:
Government Securities
Other approved Securities
Shares
Debentures & Bonds
Subsidiaries and/or Joint Ventures
Others
Investments outside India:

31665.58
0.58
34.46
6251.72
123.78
11317.2
0.22

52156.58
1.25
39.73
1942.84
155.1
4521.82
0.22

51049.93
0.5
103.53
1139.29
155.1
6112.07
47.21

53651.28
0.49
93.49
534.77
745.1
15815.81
88.43

64.11%
0.00%
0.07%
12.66%
0.25%
22.91%
0.00%

Total

49393.54

58817.54

58607.63

70929.37

100.00%

ADVANCES:

Bills
and Discounted
Cashpurchased
credits, overdrafts
and loans
repayable on demand
Term Loans

% OF TOTAL
2007-2008 2008-2009 2009-2010 2010-2011 2007-2008
in crores
in crores
in crores in crores
1637.38
4855.34
6361.47
9711.18
2.58%
15437.69
21597.2 23985.26 33177.91
24.34%
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
Covered by Bank/ Govt. Guarantees
Unsecured advances
Total
Sectorial Advances:
Advances in India :
Priority Sectors
Public Sector
Banks
Others
Advances Outside India
(i) Due from Banks
(ii) Due from Others
Bills Purchased and discounted
Syndicated Loans
Others

% OF TOTAL

42662.92
4752.48
19011.5
66426.9

73467.83
2495.61
22919.61
98883.05

89232.8 117492.89
2946.22
3313.73
33651.58 39176.04
125830.6 159982.66

64.23%
7.15%
28.62%
100.00%

17426.29
477.2
8.75
45514.66

29781.6
3083.11
366.67
64818.3

44157.57
5263.47
622.91
73808.21

54781.23
5400.1
28.6
95119.19

27.47%
0.75%
0.01%
71.76%

1380.99

0.00%

0
0
0

46.95
0
786.43

45.44
0
1932.99

107.47
1057.93
2107.15

0.00%
0.00%
0.00%

Total Advances
FIXED ASSETS :
TANGIBLE ASSETS :
Premises
Other Fixed Assets(incl.
Furniture/Fixtures)
Leased Fixed Assets
Total

OTHER ASSETS :

63426.9
2007-2008
in crores

98883.06 125830.59 159982.66

2008-2009
in crores

100.00%

2009-2010 2010-2011
in crores in crores 2007-2008

442.91

567.8

801.93

816.64

37.69%

732.22
0

1131.11
7.82

1313.06
7.82

1354
0

62.31%
0.00%

1175.13

1706.73

2122.81

2170.64

100.00%

2007-2008
in crores

2008-2009
in crores

2009-2010 2010-2011
in crores in crores 2007-2008

Interest accrued
Advance tax (net of provision)
Stationery and stamps
Non banking assets acquired in
satisfaction
of claims
Bond and share
application money
pending allotment
Security
deposit for commercial and
residential property
Others (including deffered tax)

1190.49
407.14
28.23

1418.26
906.43
31.09

1431.74
991.82
25.46

2291.93
1000.53
22.17

27.04%
9.25%
0.64%

3.43
194.17
2579.23

0.59
0
387.89
3612.56

0.59
180
411.02
2914.52

0.59
0
348.28
10937.57

0.08%
4.41%
0.00%
58.58%

Total

4402.69

6356.82

5955.15

14601.07

100.00%

CONTINGENT LIABILITIES :

Claims against the bank not

acknowledged as debts - Taxation
Claims against the bank not
acknowledged as debts - Others
Liability on account of outstanding
forward exchange contracts
Liability on account of outstanding
derivative contracts
Guarantees given on behalf of
constituents - in India
Acceptances, endorsements and other
obligations
Other items for which the bank is
contingently liable
Total

2007-2008
in crores

2008-2009
in crores

2009-2010 2010-2011
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%

593008.08

405981.68

479051.5 575122.49

100.00%

PROFIT AND LOSS ACCOUNT

% OF TOTAL

% OF TOTAL

% OF TOTAL

INTEREST EARNED

Interest/Discount on Advances/Bills
Income on Investments
Income on balances with RBI and other
inter-bank funds
Others
Total
OTHER INCOME

2007-2008
in crores

2008-2009
in crores

2009-2010 2010-2011
in crores in crores 2007-2008

6966.73
2872.04

12136.75
4007.96

12098.28
3981.28

15085.01
4675.44

68.88%
28.39%

272.39
3.84

184.26
3.3

80.96
12.37

148.08
19.68

2.69%
0.04%

10115

16332.27

16172.89

19928.21

100.00%

2007-2008
in crores

2008-2009
in crores

2009-2010 2010-2011
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)

Profit / (Loss) on revaluation of
investments (net)
Profit on sale of building and other assets
(net)
Profit on exchange transactions (net)

164.01

410.54

348.08

-83.68

7.18%

77.77

-27.99

-3.01

31.06

3.41%

0.70
283.13

4.19
598.61
-152.04

(0.82)
920.84
0.45
-129.42

0.03%
12.40%

43.04

4.02
610.21
0.18
17.72

2283.15

3290.61

3983.1

4335.15

100.00%

Miscellaneous Income
Total
INTEREST EXPENDED

2007-2008
in crores

2008-2009
in crores

2009-2010 2010-2011
in crores in crores 2007-2008

4382.73
242.43
261.96

8015.45
884.76
10.89

6997.71
745.52
43.07

8028.3
1336.44
20.33

89.68%
4.96%
5.36%

Total

4887.12

8911.1

7786.3

9385.07

100.00%

2007-2008
in crores

2008-2009
in crores

% OF TOTAL

1.89%

Interest on deposits
Interest on RBI / Inter bank borrowings
Others

OPERATING EXPENSES

% OF TOTAL

2009-2010 2010-2011
in crores in crores 2007-2008

Payment to and provisions for employees

Rent, Taxes & Lighting
Printing & Stationery
Advertisement and Publicity
Depreciation on Bank's property

1301.36
258.61
130.98
114.73
271.72

2238.2
507.4
167.06
108.68
359.91

2289.18
561.05
164.54
83.12
394.39

2836.04
626.3
222.78
158.95
497.41

34.74%
6.90%
3.50%
3.06%
7.25%

Directors fees, Allowances and Expenses

Auditors Fees & Expenses

0.39
0.82

0.42
1.33

0.45
1.03

0.47
1.02

0.01%
0.02%

% OF TOTAL

% OF TOTAL

Law Charges
Postage, Telegrams, Telephones etc.
Repairs and Maintenance
Insurance
Other Expenditure

10.5
349.88
179.33
90.16
1037.15

19.31
334.37
302.93
138.75
1354.45

32.31
325.88
453.8
161.06
1297.69

31.5
300.19
508.47
198.78
1771.01

0.28%
9.34%
4.79%
2.41%
27.69%

Total

3745.63

5532.81

5764.5

7152.92

100.00%

capital and liabilities

capital
Equity Share Warrants
Reserves and Surplus
Employees Stock Options (Grants)
Outstanding
Deposits
Borrowings
Other Liabilities and Provisions
total capital and liabilities

assets

absolute values
2008-2009 2009-2010 2010-2011 2007-2008

2007-2008
354.43

457.74

465.23

0.27

21061.84

24911.13

8.37

100768.6
4478.86
16431.91

5.49
2.91
2.91
142811.58 167404.44 208586.41
9163.64 12915.69 14394.09
16242.83 20615.94 28992.86

75.67
3.36
12.34

133176.6

183270.8 222458.56 277352.63

100

11142.8

425.38
400.92
14220.96

absolute values
2008-2009 2009-2010 2010-2011 2007-2008

2007-2008

Cash
Balances with Reserve Bank of India
Balances with Banks and Money at Call
and Short notice
Investments
Advances
Fixed assets
Other assets

940.09
11613.09

1586.19
11941.02

2997.95
22102.86

0.71
8.72

2225.16
49393.54
63426.9
1175.13
4402.69

3979.4 14459.12
4568.02
58817.54 58607.63 70929.37
98883.05 125830.59 159982.66
1706.73
2122.81
2170.64
6356.82
5955.15 14601.07

1.67
37.09
47.63
0.88
3.31

total assets

133176.6

183270.8 222458.59 277352.57

100

ITEM
PAT
NPA
TAX - 35%
ENPA

2007-2008

2008-2009

0.22

2435.26
13048.03

2009-2010 2010-2011

0.39

% of total liab

% of total as

% 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 Balance in the Pr
5.18%
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 balalnce in P
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 are less than 50
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 increase in savings
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 rise in the deposits of branches show the increasing reach of HDFC bank.
Also the rise in foreign branches indicate the growing confidence of foreign market in the bank.

% OF TOTAL

CHANGE FROM PREVIOUS YEAR

2008-2009

2009-2010

2010-2011

2008-2009

2009-2010

2010-2011

0.00%
11.39%
61.60%

0.00%
14.77%
58.27%

0.83%
4.90%
6.44%

0.00%
17.72%
2565845.45%

0.00%
82.78%
33.32%

0.00%
27.00%

0.00%
26.95%

48.26%
39.56%

-31.10%

40.68%

63.58%

100.00%

100.00%

100.00%

104.60%

40.94%

11.45%

% OF TOTAL
2008-2009
2009-2010
17.99%
20.46%
53.80%

28.74%
9.69%
54.78%

2010-2011
19.44%
9.64%
65.22%

-63.05% Borrowings from indian banks and o

-87.68%

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011
-7.44%
98.47%
17.06%

102.77%
-39.92%
29.23%

-4.89%
39.91%
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
2008-2009
2009-2010

2010-2011

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

11.73%

15.73%

11.94%

68.73%

53.53%

87.53%
0.74%

83.63%
0.65%

87.66%
0.40%

2.85%
0.00%

9.35%
0.00%

69.93%
0.00%

100.00%

100.00%

100.00%

7.76%

14.46%

62.12%

% OF TOTAL
2008-2009
2009-2010

2010-2011

6.13%
16.61%

2.17%
2.74%

5.03%
21.34%

0.00%
31.22%

3.56%
68.02%

23.42%
2.74%

23.11% The significant increase in the depo

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

-15.26%
-6.50%

28.40%
-40.11%

-26.67%
146.22%

691.74%

107.77%
-98.73%

13.31%
2.55%
30.18%

2.12%
0.00%
21.39%

10.15%
5.37%
31.95%

205.08%
2619.57%
14.05%

-42.21%
-100.00%
157.60%

-52.82%

100.00%

100.00%

100.00%

78.84%

263.35%

-68.41%

% OF TOTAL
2008-2009
2009-2010

2010-2011

51.45%

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

88.68%
0.00%
0.07%
3.30%
0.26%
7.69%
0.00%

87.10%
0.00%
0.18%
1.94%
0.26%
10.43%
0.08%

75.64%
0.00%
0.13%
0.75%
1.05%
22.30%
0.12%

64.71%
115.52%
15.29%
-68.92%
25.30%
-60.04%
0.00%

-2.12%
-60.00%
160.58%
-41.36%
0.00%
35.17%
21359.09%

5.10%
-2.00%
-9.70%
-53.06%
380.40%
158.76%
87.31%

100.00%

100.00%

100.00%

19.08%

-0.36%

21.02%

% OF TOTAL
2008-2009
2009-2010
4.91%
21.84%
73.25%
100.00%

5.06%
19.06%
75.88%
100.00%

2010-2011
6.07%
20.74%
73.19%
100.00%

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011
196.53%
39.90%
56.26%
55.90%

31.02%
11.06%
31.83%
27.25%

52.66% The growth in term loans is less com

38.33%
22.63%
27.14%

Secured advances are growing at b

74.30%
2.52%
23.18%
100.00%

70.92%
2.34%
26.74%
100.00%

73.44%
2.07%
24.49%
100.00%

72.21%
-47.49%
20.56%
48.86%

21.46%
18.06%
46.82%
27.25%

31.67%
12.47%
16.42%
27.14%

30.12%
3.12%
0.37%
65.55%

35.09%
4.18%
0.50%
58.66%

34.24%
3.38%
0.02%
59.46%

70.90%
546.08%
4090.51%
42.41%

48.27%
70.72%
69.88%
13.87%

24.06% There is healthy growth in advances

2.60%
-95.41%
28.87%

0.00%

0.00%

0.86%

0.05%
0.00%
0.80%

0.04%
0.00%
1.54%

0.07%
0.66%
1.32%

-3.22%

136.51%

145.79%

9.01%

100.00%

100.00%

% OF TOTAL
2008-2009
2009-2010

100.00%

2010-2011

55.90%

27.25%

27.14%

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

33.27%

37.78%

37.62%

28.20%

41.23%

1.83%

66.27%
0.46%

61.85%
0.37%

62.38%
0.00%

54.48%
0.00%

16.09%
0.00%

3.12%
-100.00%

100.00%

100.00%

100.00%

45.24%

24.38%

2.25%

% OF TOTAL
2008-2009
2009-2010

2010-2011

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

22.31%
14.26%
0.49%

24.04%
16.65%
0.43%

15.70%
6.85%
0.15%

19.13%
122.63%
10.13%

0.95%
9.42%
-18.11%

60.08%
0.88%
-12.92%

0.01%
0.00%
6.10%
56.83%

0.01%
3.02%
6.90%
48.94%

0.00%
0.00%
2.39%
74.91%

-82.80%
-100.00%

0.00%

40.06%

5.96%
-19.32%

0.00%
-100.00%
-15.26%
275.28%

100.00%

100.00%

100.00%

44.38%

-6.32%

145.18%

% OF TOTAL
2008-2009
2009-2010

2010-2011

CHANGE FROM PREVIOUS YEAR

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%

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%

-80.54% 1383.22%

% OF TOTAL
2008-2009
2009-2010

2010-2011

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

74.31%
24.54%

74.81%
24.62%

75.70%
23.46%

74.21%
39.55%

-0.32%
-0.67%

1.13%
0.02%

0.50%
0.08%

0.74%
0.10%

-32.35%
-14.06%

-56.06%
274.85%

82.91%
59.09%

100.00%

100.00%

100.00%

61.47%

-0.98%

23.22%

% OF TOTAL
2008-2009
2009-2010

2010-2011

24.69% interest income and investment inco

17.44%

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

74.68%

75.47%

82.97%

43.32%

22.33%

12.48%

8.74%

-1.93%

150.31%

-15.21%

-0.85%

-0.08%

0.72%

-135.99%

0.13%
18.19%

-0.02%
21.24%
0.01%
-2.99%

498.57%
111.43%

-4.06%
1.94%

-4.62%

0.10%
15.32%
0.00%
0.44%

-453.25%

-111.65%

-120.40%
50.91%
150.00%
-830.36%

100.00%

100.00%

100.00%

44.13%

21.04%

8.84%

% OF TOTAL
2008-2009
2009-2010

2010-2011

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

89.87%
9.57%
0.55%

85.54%
14.24%
0.22%

82.89%
264.95%
-95.84%

-12.70%
-15.74%
295.50%

100.00%

100.00%

100.00%

82.34%

-12.62%

2010-2011

-124.04% increase in other income has slowed

-89.25% -1131.89%

89.95%
9.93%
0.12%

% OF TOTAL
2008-2009
2009-2010

19.66%

14.73% Higher expended income towards R

79.26%
-52.80%
20.53%

CHANGE FROM PREVIOUS YEAR

2008-2009
2009-2010
2010-2011

40.45%
9.17%
3.02%
1.96%
6.51%

39.71%
9.73%
2.85%
1.44%
6.84%

39.65%
8.76%
3.11%
2.22%
6.95%

71.99%
96.20%
27.55%
-5.27%
32.46%

2.28%
10.57%
-1.51%
-23.52%
9.58%

23.89%
11.63%
35.40%
91.23% A Significant portion of the operating
26.12%

0.01%
0.02%

0.01%
0.02%

0.01%
0.01%

7.69%
62.20%

7.14%
-22.56%

4.44%
-0.97%

0.35%
6.04%
5.48%
2.51%
24.48%

0.56%
5.65%
7.87%
2.79%
22.51%

0.44%
4.20%
7.11%
2.78%
24.76%

83.90%
-4.43%
68.92%
53.89%
30.59%

67.32%
-2.54%
49.80%
16.08%
-4.19%

-2.51%
-7.88%
12.05%
23.42%
36.47%

100.00%

100.00%

100.00%

47.71%

4.19%

24.09%

% of total liabilities
2008-2009
2009-2010

2010-2011

2008-2009

increase / decrease
2009-2010
2010-2011

0.23
0.22
7.76

0.21

0.17

20%

8%

2%

9.47

8.98

28%

48%

18%

77.92
5.00
8.86

75.25
5.81
9.27

75.21
5.19
10.45

42%
105%
-1%

17%
41%
27%

25%
11%
41%

100

100

124.68

38%

21%

25%

Deposits constitute a major part of t

% of total assets
2008-2009
2009-2010

2010-2011

increase / decrease
2008-2009
2009-2010
2010-2011

0.87
6.52

1.09
5.87

1.08
7.97

68.73%
2.82%

53.53%
9.27%

23.11% Investment and advances togather c

69.40%

2.17
32.09
53.95
0.93
3.47

6.50
26.35
56.56
0.95
2.68

1.65
25.57
57.68
0.78
5.26

78.84%
19.08%
55.90%
45.24%
44.38%

263.35%
-0.36%
27.25%
24.38%
-6.32%

-68.41%
21.02% the rapid increase in managing asse
27.14%
2.25%
145.18%

100

100

100

37.61%

21.38%

24.68%

th in the Balance in the Profit and Loss A/c has shown a significan jump of additional 5% in 2010-11 as compared to the fall in 2008-09. Th

ntage of the balalnce in P & L a/c shows a significantly higher balance than the general reserve showing that the bank is significantly growi

Deposits are less than 50% of the total deposits. This indiicates that the bank must be careful regarding its liquidity and plan for its investm

antial increase in savings bank is a good indication (growing at higher pace than demand deposits) as generally people with savings bank w

s from indian banks and other institutions have decreased signifcantly while borrowings from outside india has grown significantly. This cou

icant increase in the deposits with RBI indicate the growth in deposits of HDFC bank (especially savings deposits) and fullfilling of the CRR

h in term loans is less compared to bills discounted, cash credit, Ods, etc. This means that the bank has higher reinvestment/re-lending risk

advances are growing at better rate than unsecured advances indicating that HDFC is making safer loans while growing

ealthy growth in advances to the the priority and other sectors and there is a decline in advances to other banks. Indicates that the bank is

come and investment income have seen a better growth in 2010-11 as compared 2009-10. It shows that the core banking business is perfo

n other income has slowed down significantly indicating the increased dependency on core banking activities

pended income towards RBI/inter bank borrowings indicate a need to better manage the rporting Friday cycles so that lower interbank borro

ant portion of the operating expenses go towards payments towards manpower which is typical of a service sector. The overall increase in e

constitute a major part of the capital and liabilities of HDFC. It is a good indicator of showing the importance of core banking operations whe

nt and advances togather contribute more than 80% of all assets again reaffirming HDFC's concentration towards its core business. At an a

ncrease in managing assets in cash shows the increase in requirement to maintain higher liquidity due to the increase in savings and dema

d to the fall in 2008-09. This could be also a result of the global recession which had a slight impact on the indian financial market.

bank is significantly growing with the annual additions into the profits.

ity and plan for its investments carefully

people with savings bank withdraw amount only for their expenses and the remaining lies for a very long time. The increase in savings bank

own significantly. This could be attributed to the lower cost of foreign markets as compared to the Indian scenario

) and fullfilling of the CRR and SLR norms

einvestment/re-lending risk. This also the reflects in the higher growth of demand deposits and savings deposits where the liquidity demand

Indicates that the bank is able to lend at higher rates to loan seekers as compared to interest earned on advances to other banks

banking business is performing better.

that lower interbank borrowings happen.

r. The overall increase in expenses by 24% in 2010-11 may be attributed to the significant increase in the savings deposits account resultin

e banking operations where the liability of deposits have to be met by lending and investing. The growth in deposits at 25% is a healthy ind

s its core business. At an average increase of about 25% theinvestment and advances are growing on par with growth in deposits. This sho

ease in savings and demand deposits as compared to term deposits

financial market.

e increase in savings bank depsits also indicate the better prospects towards retail banking and also wealth management.

where the liquidity demand is higher

s to other banks

deposits account resulting in more transactions

its at 25% is a healthy indicator of money coming in and also the boosted confidence in customers

owth in deposits. This shows that they are able to allocate their funds well.

Capital Adequacy
Capital Adequacy Ratio
Capital (Tier I + Tier II)
Total Risk Weighted Asset

2007-2008
2008-2009
2009-2010
14,611
20,420
27,164
60102.07
79190.58
101387.17
24.31%

25.79%

26.79%

Debt-Equity Ratio
2007-2008
Total Borrowings
Total Deposits
Total Debt
Net Worth:
Equity Capital
Reserves & Surplus
Net Worth

2008-2009

2009-2010

4479
100769

9164
142812

12916
167404

105247

151975

180320

354
11143

425
14221

458
21062

11497

14646

21520

9.15

10.38

8.38

DEBT-EQUITY RATIO

Advances to Assets
2007-2008
Total Advances
Total Assets

Advances to Assets

2008-2009

2009-2010

63426.90
133176.60

98883.05
183270.75

125830.59
222458.59

47.63%

53.95%

56.56%

G-Secs to Total Investments

2007-2008
Investment in G-Secs
Total Investments

Ratio

2008-2009

2009-2010

31665.58
49393.54

52156.58
58817.54

51049.93
58607.63

64.11%

88.68%

87.10%

Asset Quality
Net NPAs to Total Assets
2007-2008
Net NPAs
Total Assets

298.52
133176.60

2008-2009

2009-2010
627.62
183270.75

392.05
222458.59

Ratio

0.22%

0.34%

0.18%

Net NPAs to Net Advances

2007-2008
Net NPAs
Net Advances

Ratio

2008-2009

2009-2010

298.52
63426.90

627.62
98883.05

392.05
125830.59

0.47%

0.63%

0.31%

Total Investments to Total Assets

2007-2008
Total Investments
Total Assets

Ratio

2008-2009

2009-2010

49394
133177

58818
183271

58608
222459

37.09%

32.09%

26.35%

Percentage Change in Net NPAs

2007-2008
Net NPAs

% Change

2008-2009

2009-2010

298.52

627.62

392.05

110.24%

-37.53%

-24.39%

Management
Total Advances to Total Deposits
2007-2008
Total Advances
Total Deposits

Ratio

2008-2009

2009-2010

63427
100769

98883
142812

125831
167404

62.94%

69.24%

75.17%

Profit Per Employee

2007-2008
PAT
No. Of Employees

Ratio

2008-2009

2009-2010

15901800000
37836

22449392000
52687

29487009000
51888

420282

426090

568282

Business per Employee

2007-2008
Total Adavnces
Total Deposits
Total
No. Of Employees

2008-2009

2009-2010

63427
100769
164196
37836

98883
142812
241695
52687

125831
167404
293235
51888

4.34

4.59

5.65

Ratio
Return on Net Worth
2007-2008
PAT
Net Worth
Average Net Worth

Ratio

2008-2009

2009-2010

1590
11497
5749

2245
14646
13072

2949
21520
18083

27.66%

17.17%

16.31%

Earnings Quality
Operating Profit/Average Working Funds
2007-2008
Operating Profit
Total Assets
Average Working Funds

Ratio

2008-2009

2009-2010

3765
133176.60
364.87

5179
183270.75
502.11

6430
222458.59
609.48

10.32

10.31

10.55

Spread
2007-2008
Interest Income
Interest Expended
Net
Total Assets

Ratio

2008-2009

2009-2010

10115.00
4887.12
5228
133177

16332.27
8911.10
7421
183271

16172.89
7786.30
8387
222459

3.93%

4.05%

3.77%

PAT/Average Assets
2007-2008
PAT
Total Assets

1590
133177

2008-2009

2009-2010
2245
183271

2949
222459

Average Assets

Ratio

112206

158223.68

202864.67

1.42%

1.42%

1.45%

Percentage Growth In Net Profit

2007-2008
PAT

2008-2009
1590

% Growth in PAT

39.31%

2009-2010
2245

2949

41.18%

31.35%

Non-Interest Income/Total Income

2007-2008
Non-Interest Income
Total Income

Ratio

2008-2009

2009-2010

2283
12398

3290.6
19623

3983.11
20156

18.42%

16.77%

19.76%

Interest Income/Total Income

2007-2008
Interest Income
Total Income

Ratio

2008-2009

2009-2010

10115
12398

16332
19622.86

16173
20155.83

81.58%

83.23%

80.24%

Liquidity
Liquid Assets/Demand Deposits
2007-2008
Liquid Assets:
Cash in hand and Balances with RBI
Balances with other banks & money at call
& short notice

2008-2009

2009-2010

12553

13527

15483

2225

3979

14459

Total Liquid Assets

14778

17507

29942

Demand Deposits:
From Banks
From Others

845
27915

759
27686

1055
36172

Total Demand Deposits

28760

28445

37227

Ratio

51.39%

61.55%

80.43%

Liquid Assets by Total Deposits

2007-2008
Liquid Assets:
Cash in hand and Balances with RBI
Balances with other banks & money at call
& short notice
Total Liquid Assets
Total Deposits

Ratio

2008-2009

2009-2010

12553

13527

15483

2225

3979

14459

14778

17507

29942

100769

142812

167404

14.67%

12.26%

17.89%

Liquid Assets by Total Assets

2007-2008
Liquid Assets:
Cash in hand and Balances with RBI
Balances with other banks & money at call
& short notice
Total Liquid Assets
Total Assets

Ratio

2008-2009

2009-2010

12553

13527

15483

2225

3979

14459

14778

17507

29942

133177

183271

222459

11.10%

9.55%

13.46%

G-Secs By Total Assets

2007-2008
G-Secs
Total Assets

Ratio

2008-2009

2009-2010

31666
133177

52157
183271

51050
222459

23.78%

28.46%

22.95%

Approved Securities/Total Assets

2007-2008
Approved Securities
Total Assets

Ratio

2008-2009

2009-2010

0.58
133176.60

1.25
183270.75

0.50
222458.59

0.0004%

0.0007%

0.0002%

ENPA=

2007-2008
PROFIT BEFORE TAX
NET NPA

2008-2009

2009-2010

2446
299

3454
628

4536
392

819.52%

550.29%

1157.11%

Total Reserves to Total Assets

2007-2008

2008-2009

2009-2010

TOTAL RESERVE
TOTAL ASSETS

11143
133177

14221
183271

21062
222459

Ratio

8.37%

7.76%

9.47%

2010-2011
32,178
131535.47

RBI
567381
3901396

24.46%

14.54%

2010-2011

RBI
14394
208586

222981

148803
822801
971604

465
24811

4549
115435

25276

119984

8.82

8.1

2010-2011

RBI

159982.66
277352.57

632494
1150810

57.68%

54.96%

2010-2011

RBI
53651.28
70929.37

241192
354117

75.64%

68.11%

2010-2011
296.41
277352.57

RBI
6506
1150810

0.11%

2010-2011

0.57%

RBI

296.41
159982.66

6506
632494

0.19%

1.03%

2010-2011

RBI
70929
277353

354117
1150810

25.57%

30.77%

2010-2011

RBI
296.41

6506

-100.00%

-12.22%

2010-2011

RBI
159983
208586

632494
822801

76.70%

76.87%

2010-2011
39264009000
55752

704262

7412

2010-2011
159983
208586
368569
55752

6.61

2010-2011
RBI
3926
25276
23398

57109
721972

16.78%

7.91%

2010-2011

RBI

7725
277352.57
759.87

122419
5591924
15320.34

10.17

7.99

2010-2011

RBI
19928.21
9385.07
10543
277353

415752
272084
143668
5591924

3.80%

2.57%

2010-2011

2006-07
3926
277353

91235.61

RBI
57109
5591924

249905.58

1.57%

2010-2011

1.02%

2006-07
3926

RBI
1141.45

33.16%

2010-2011

8.26%

RBI
4335.15
24263

78519
494271

17.87%

15.89%

2010-2011

RBI
19928
24263.36

415752
494271

82.13%

84.11%

2010-2011

RBI

25101
4568

29669

114539

1018
45442
46460

63.86%

134589

85.10%

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
277353

241192
1150810

19.34%

20.96%

2010-2011

RBI

0.49
277352.57

311
1150810

0.0002%

0.03%

2010-2011

RBI
6041
296

57109
36150

2037.93%

243.04%

2010-2011

RBI
24811
277353

115435
1150810

8.95%

10.03%