Final Final Hdfc

8/4/2019 Final Final Hdfc

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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


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


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Paritculars Weights 2007-2008 2008-2009 2009-2010 2010-2011


(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


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Risk Weighted Assets

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


- - - -

- - - -

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%


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RESERVES

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


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


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


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


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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


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


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


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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


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


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


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Total Advances 63426.9 98883.06 125830.59 159982.66 100.00%

FIXED ASSETS : 2007-2008 2008-2009 2009-2010 2010-2011


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


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


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


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INTEREST EARNED 2007-2008 2008-2009 2009-2010 2010-2011


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


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


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


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)


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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


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% 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%


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.



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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%


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%


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%


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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%


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%


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%


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100.00% 100.00% 100.00% 55.90% 27.25% 27.14%


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%


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%


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%


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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%


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%


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%


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%


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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%


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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


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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


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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


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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


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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


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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


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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


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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


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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


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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


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ket.

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


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idity demand is higher

nks


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count resulting in more transactions


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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.


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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


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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


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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


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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 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 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%




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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%


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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


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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


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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


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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%


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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%


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2010-2011 RBI

6041 57109

296 36150

2037.93% 243.04%

2010-2011 RBI

24811 115435

277353 1150810

8.95% 10.03%

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