HDFC data (2)

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This data can be easily copy pasted into a Microsoft Excel sheet

HDFC Bank Previous Years

Balance Sheet ------------------- in Rs. Cr. -------------------

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

12 mths 12 mths 12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 469.34 465.23 457.74 425.38 354.43

Equity Share Capital 469.34 465.23 457.74 425.38 354.43

Share Application Money 0.30 0.00 0.00 400.92 0.00

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Reserves 29,455.04 24,914.04 21,064.75 14,226.43 11,142.80

Revaluation Reserves 0.00 0.00 0.00 0.00 0.00

Net Worth 29,924.68 25,379.27 21,522.49 15,052.73 11,497.23

Deposits 246,706.45 208,586.41 167,404.44 142,811.58 100,768.60

Borrowings 23,846.51 14,394.06 12,915.69 2,685.84 4,478.86

Total Debt 270,552.96 222,980.47 180,320.13 145,497.42 105,247.46

Other Liabilities & Provisions 37,431.87 28,992.86 20,615.94 22,720.62 16,431.91

Total Liabilities 337,909.51 277,352.60 222,458.56 183,270.77 133,176.60



Assets

Cash & Balances with RBI 14,991.09 25,100.82 15,483.28 13,527.21 12,553.18

Balance with Banks, Money at Call 5,946.63 4,568.02 14,459.11 3,979.41 2,225.16

Advances 195,420.03 159,982.67 125,830.59 98,883.05 63,426.90

Investments 97,482.91 70,929.37 58,607.62 58,817.55 49,393.54

Gross Block 5,930.24 5,244.21 4,707.97 3,956.63 2,386.99

Accumulated Depreciation 3,583.05 3,073.56 2,585.16 2,249.90 1,211.86

Net Block 2,347.19 2,170.65 2,122.81 1,706.73 1,175.13

Capital Work In Progress 0.00 0.00 0.00 0.00 0.00

Other Assets 21,721.64 14,601.08 5,955.15 6,356.83 4,402.69

Total Assets 337,909.49 277,352.61 222,458.56 183,270.78 133,176.60

Contingent Liabilities 844,374.61 559,681.87 466,236.24 396,594.31 582,835.94

Bills for collection 39,610.71 28,869.10 20,940.13 17,939.62 17,092.85

Book Value (Rs) 127.52 545.53 470.19 344.44 324.38

Source : Dion Global Solutions Limited



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Profit & Loss account ------------------- in Rs. Cr. -------------------



Income

Interest Earned 27,286.35 19,928.21 16,172.90 16,332.26 10,115.00

Other Income 5,333.41 4,433.51 3,810.62 3,470.63 2,205.38

Total Income 32,619.76 24,361.72 19,983.52 19,802.89 12,320.38

Expenditure

Interest expended 14,989.58 9,385.08 7,786.30 8,911.10 4,887.12

Employee Cost 3,399.91 2,836.04 2,289.18 2,238.20 1,301.35

Selling and Admin Expenses 2,647.25 2,510.82 3,395.83 2,851.26 974.79

Depreciation 542.52 497.41 394.39 359.91 271.72

Miscellaneous Expenses 5,873.42 5,205.97 3,169.12 3,197.49 3,295.22

Preoperative Exp Capitalised 0.00 0.00 0.00 0.00 0.00

Operating Expenses 9,241.64 8,045.36 7,703.41 7,290.66 3,935.28

Provisions & Contingencies 3,221.46 3,004.88 1,545.11 1,356.20 1,907.80Total Expenses 27,452.68 20,435.32 17,034.82 17,557.96 10,730.20



Net Profit for the Year 5,167.09 3,926.40 2,948.70 2,244.94 1,590.18

Extraordionary Items -2.12 -2.65 -0.93 -0.59 -0.06

Profit brought forward 6,174.24 4,532.79 3,455.57 2,574.63 1,932.03

Total 11,339.21 8,456.54 6,403.34 4,818.98 3,522.15

Preference Dividend 0.00 0.00 0.00 0.00 0.00

Equity Dividend 1,009.08 767.62 549.29 425.38 301.27

Corporate Dividend Tax 163.70 124.53 91.23 72.29 51.20Per share data (annualised)

Earning Per Share (Rs) 22.02 84.40 64.42 52.77 44.87

Equity Dividend (%) 215.00 165.00 120.00 100.00 85.00

Book Value (Rs) 127.52 545.53 470.19 344.44 324.38

Appropriations

Transfer to Statutory Reserves 1,250.08 997.52 935.15 641.25 436.05

Transfer to Other Reserves 516.70 392.64 294.87 224.50 159.02

Proposed Dividend/Transfer to Govt 1,172.78 892.15 640.52 497.67 352.47

Balance c/f to Balance Sheet 8,399.65 6,174.24 4,532.79 3,455.57 2,574.61

Total 11,339.21 8,456.55 6,403.33 4,818.99 3,522.15




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Cash Flow ------------------- in Rs. Cr. -------------------



Net Profit Before Tax 7513.17 5818.66 4289.14 3299.25 2280.63

Net Cash From Operating Activities -11355.61 -375.83 9389.89 -1736.14 3583.43

Net Cash (used in)/fromInvesting Activities

-686.85 -1122.74 -551.51 -663.78 -619.82

Net Cash (used in)/from FinancingActivities

3286.19 1227.99 3598.91 2964.66 3628.34

Net (decrease)/increase In Cash andCash Equivalents

-8731.11 -273.56 12435.78 564.74 6591.95

Opening Cash & Cash Equivalents 29668.83 29942.40 17506.62 14778.34 8074.54

Closing Cash & Cash Equivalents 20937.73 29668.83 29942.40 15343.08 14666.49




Yearly Results ------------------- in Rs. Cr. -------------------


Sales Turnover 27,286.35 19,928.21 16,172.91 16,332.27 10,115.00

Other Income 5,243.69 4,335.15 3,807.61 3,290.61 2,283.15

Total Income 32,530.04 24,263.36 19,980.52 19,622.88 12,398.15Total Expenses 10,027.31 9,059.63 7,905.09 7,412.52 5,230.40

Operating Profit 17,259.04 10,868.58 8,267.82 8,919.75 4,884.60

Profit On Sale Of Assets -- -- -- -- --

Profit On Sale Of Investments -- -- -- -- --

Gain/Loss On Foreign Exchange -- -- -- -- --

VRS Adjustment -- -- -- -- --

Other Extraordinary Income/Expenses -- -- -- -- --

Total Extraordinary Income/Expenses -- -- -- -- --

Tax On Extraordinary Items -- -- -- -- --

Net Extra Ordinary Income/Expenses -- -- -- -- --

Gross Profit 22,502.73 15,203.73 12,075.43 12,210.36 7,167.75

Interest 14,989.58 9,385.08 7,786.30 8,911.10 4,887.12

PBDT 7,513.15 5,818.65 4,289.13 3,299.26 2,280.63

Depreciation -- -- -- -- --

Depreciation On Revaluation Of Assets -- -- -- -- --

PBT 7,513.15 5,818.65 4,289.13 3,299.26 2,280.63

Tax 2,346.08 1,892.26 1,340.44 1,054.31 690.45

Net Profit 5,167.07 3,926.39 2,948.69 2,244.95 1,590.18

Prior Years Income/Expenses -- -- -- -- --

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Depreciation for Previous Years WrittenBack/ Provided

-- -- -- -- --

Dividend -- -- -- -- --

Dividend Tax -- -- -- -- --

Dividend (%) -- -- -- -- --

Earnings Per Share 22.02 84.40 64.42 52.78 44.87

Book Value -- -- -- -- --

Equity 469.34 465.23 457.74 425.38 354.43

Reserves 29,455.04 24,911.13 21,061.85 14,220.95 1,142.80

Face Value 2.00 10.00 10.00 10.00 10.00



HDFC Bank

Capital Structure

Period Instrument --- CAPITAL (Rs. cr) --- - P A I D U P -

From To Authorised Issued Shares (nos) Face Value Capital

2011 2012 Equity Share 550 469.34 2346688270 2 469.34

2010 2011 Equity Share 550 465.23 465225684 10 465.23

2009 2010 Equity Share 550 457.74 457743272 10 457.74

2008 2009 Equity Share 550 425.38 425384109 10 425.38

2007 2008 Equity Share 550 354.43 354432920 10 354.43

2006 2007 Equity Share 450 319.39 319389608 10 319.39

2005 2006 Equity Share 450 313.14 313142408 10 313.14

2004 2005 Equity Share 450 309.88 309875308 10 309.88

2003 2004 Equity Share 450 284.79 284791713 10 284.79

2002 2003 Equity Share 450 282.05 282045713 10 282.05

2001 2002 Equity Share 450 281.37 281374613 10 281.37

2000 2001 Equity Share 300 243.6 243596261 10 243.6

1999 2000 Equity Share 300 243.28 243278261 10 243.28

1995 1999 Equity Share 300 200 200000000 10 200

1994 1995 Equity Share 300 110 110000000 10 110

Source :Asian CERC

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Key Financial Ratios

Mar'12 Mar '11 Mar '10 Mar '09 Mar '08

Investment Valuation Ratios

Face Value 2.00 10.00 10.00 10.00 10.00

Dividend Per Share 4.30 16.50 12.00 10.00 8.50

Operating Profit Per Share (Rs) 37.71 160.36 106.25 92.36 107.32

Net Operating Profit Per Share (Rs) 138.66 524.34 436.03 464.77 348.57

Free Reserves Per Share (Rs) 97.01 419.10 363.55 252.37 269.89

Bonus in Equity Capital -- -- -- -- --

Profitability Ratios

Interest Spread 5.80 5.95 5.89 6.98 7.08

Adjusted Cash Margin(%) 17.59 18.13 16.71 13.15 15.01Net Profit Margin 15.93 16.09 14.76 11.35 12.82

Return on Long Term Fund(%) 76.06 59.91 56.08 83.31 62.34

Return on Net Worth(%) 17.26 15.47 13.70 15.32 13.83

Adjusted Return on Net Worth(%) 17.26 15.47 13.68 15.29 13.82

Return on Assets ExcludingRevaluations

127.52 545.53 470.19 344.44 324.38

Return on Assets IncludingRevaluations

127.52 545.53 470.19 344.44 324.38

Management Efficiency Ratios

Interest Income / Total Funds 10.58 9.76 9.84 12.50 11.01

Net Interest Income / Total Funds 5.70 6.01 6.00 6.86 6.66

Non Interest Income / Total Funds -0.03 -- 0.01 -- 0.04Interest Expended / Total Funds 4.87 3.76 3.84 5.63 4.36

Operating Expense / Total Funds 2.83 3.02 3.60 4.38 3.27

Profit Before Provisions / Total Funds 2.67 2.79 2.21 2.26 3.19

Net Profit / Total Funds 1.68 1.57 1.45 1.42 1.42

Loans Turnover 0.18 0.17 0.18 0.24 0.22

Total Income / Capital Employed(%) 10.54 9.76 9.85 12.50 11.05

Interest Expended / CapitalEmployed(%)

4.87 3.76 3.84 5.63 4.36

Total Assets Turnover Ratios 0.11 0.10 0.10 0.13 0.11

Asset Turnover Ratio 0.12 0.11 0.11 0.14 5.18

Profit And Loss Account Ratios

Interest Expended / Interest Earned 54.93 47.09 48.14 54.56 48.32

Other Income / Total Income -0.32 -- 0.09 -- 0.35

Operating Expense / Total Income 26.82 30.94 36.59 35.06 29.55

Selling Distribution Cost Composition 0.46 0.65 0.41 0.54 0.92

Balance Sheet Ratios

Capital Adequacy Ratio 16.52 16.22 17.44 15.69 13.60

Advances / Loans Funds(%) 79.19 79.34 77.24 78.87 71.93

Debt Coverage Ratios

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Credit Deposit Ratio 78.06 76.02 72.44 66.64 65.28

Investment Deposit Ratio 36.99 34.45 37.85 44.43 47.29

Cash Deposit Ratio 8.81 10.79 9.35 10.71 10.49

Total Debt to Owners Fund 8.24 8.22 7.78 9.75 8.76

Financial Charges Coverage Ratio 0.58 0.79 0.63 0.44 0.79

Financial Charges Coverage Ratio

Post Tax 1.38 1.47 1.43 1.29 1.38

Leverage Ratios

Current Ratio 0.08 0.06 0.03 0.04 0.04

Quick Ratio 6.20 6.89 7.14 5.23 4.89

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 22.69 22.72 21.72 22.16 22.16

Dividend Payout Ratio Cash Profit 20.54 20.16 19.15 19.10 18.93

Earning Retention Ratio 77.30 77.29 78.25 77.79 77.83

Cash Earning Retention Ratio 79.46 79.84 80.82 80.87 81.07

AdjustedCash Flow Times 43.22 47.14 50.14 54.91 54.14

Mar'12

Mar '11 Mar '10 Mar '09 Mar '08

Earnings Per Share 22.02 84.40 64.42 52.77 44.87

Book Value 127.52 545.53 470.19 344.44 324.38



Consolidated Profit & Loss account ------------------- in Rs. Cr. -------------------



Income

Interest Earned 27,605.56 20,043.33 16,232.92 16,314.02 10,117.03

Other Income 5,646.07 4,686.02 4,037.08 3,616.95 2,298.00

Total Income 33,251.63 24,729.35 20,270.00 19,930.97 12,415.03

Expenditure

Interest expended 15,106.12 9,425.15 7,797.60 8,903.37 4,887.37

Employee Cost 3,573.09 2,977.14 2,389.31 2,301.38 1,338.43

Selling and Admin Expenses 2,709.56 2,558.48 1,482.65 1,265.97 801.00

Depreciation 554.16 509.11 404.04 369.62 280.14

Miscellaneous Expenses 6,035.30 5,241.77 5,163.49 4,838.51 3,515.88

Preoperative Exp Capitalised 0.00 0.00 0.00 0.00 0.00

Operating Expenses 9,595.75 8,231.14 5,905.52 5,801.72 3,826.36

Provisions & Contingencies 3,276.36 3,055.36 3,533.97 2,973.76 2,109.09

Total Expenses 27,978.23 20,711.65 17,237.09 17,678.85 10,822.82


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Net Profit for the Year 5,273.40 4,017.69 3,032.91 2,252.13 1,592.21

Minority Interest 30.02 32.24 32.54 6.35 6.70

Share Of P/L Of Associates -3.64 -7.04 -3.27 -3.21 -9.56

Net P/L After Minority Interest &

Share Of Associates5,247.02 3,992.49 3,003.65 2,248.99 1,595.07

Extraordionary Items -2.12 -2.65 -0.93 -0.59 -0.06

Profit brought forward 6,326.95 4,625.23 3,493.49 2,608.68 1,961.36

Total 11,598.23 8,640.27 6,525.47 4,860.22 3,553.51

Preference Dividend 0.00 0.00 0.00 0.00 0.00

Equity Dividend 1,009.52 768.00 549.60 425.51 301.27

Corporate Dividend Tax 163.89 124.68 91.36 72.35 51.20

Per share data (annualised)

Earning Per Share (Rs) 22.47 86.36 66.26 52.94 44.92

Equity Dividend (%) 0.00 0.00 0.00 0.00 0.00

Book Value (Rs) 128.74 549.97 472.23 345.29 325.45

Appropriations

Transfer to Statutory Reserves 1,260.33 1,002.82 935.15 641.25 436.05

Transfer to Other Reserves 516.72 392.63 294.86 224.48 159.02

Proposed Dividend/Transfer to Govt 1,173.41 892.68 640.96 497.86 352.47

Balance c/f to Balance Sheet 8,621.39 6,326.95 4,625.23 3,493.49 2,608.83

Total 11,571.85 8,615.08 6,496.20 4,857.08 3,556.37



Consolidated Balance Sheet ------------------- in Rs. Cr. -------------------



Capital and Liabilities:

Total Share Capital 469.34 465.23 457.74 425.38 354.43

Equity Share Capital 469.34 465.23 457.74 425.38 354.43

Share Application Money 0.00 0.00 0.00 400.92 0.00

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Init. Contribution Settler 0.00 0.00 0.00 0.00 0.00

Preference Share Application Money 0.00 0.00 0.00 0.00 0.00

Employee Stock Opiton 0.30 0.00 2.91 5.49 0.00

Reserves 29,741.11 25,120.83 21,158.15 14,262.74 11,180.72

Revaluation Reserves 0.00 0.00 0.00 0.00 0.00

Net Worth 30,210.75 25,586.06 21,618.80 15,094.53 11,535.15

Deposits 246,539.58 208,287.21 167,297.78 142,644.80 100,631.38

Borrowings 26,334.15 14,650.44 13,171.80 2,775.84 4,478.86

Total Debt 272,873.73 222,937.65 180,469.58 145,420.64 105,110.24


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Policy Holders Funds 0.00 0.00 0.00 0.00 0.00

Group Share in Joint Venture 0.00 0.00 0.00 0.00 0.00

Other Liabilities & Provisions 37,786.88 29,317.57 20,783.21 22,844.24 16,510.76

Total Liabilities 341,055.02 277,962.94 222,947.48 183,402.76 133,193.07



Assets

Cash & Balances with RBI 14,991.63 25,100.89 15,483.31 13,527.22 12,553.18

Balance with Banks, Money at Call 6,183.53 4,737.39 14,594.88 4,009.94 2,274.80

Advances 198,837.53 160,831.42 126,162.73 99,027.37 63,426.90

Investments 96,795.11 70,276.67 58,508.28 58,715.15 49,288.01

Gross Block 6,024.90 5,328.86 4,777.65 4,019.68 2,437.58

Accumulated Depreciation 3,646.99 3,127.91 2,628.59 2,287.40 1,241.29

Net Block 2,377.91 2,200.95 2,149.06 1,732.28 1,196.29

Capital Work In Progress 0.00 0.00 0.00 0.00 0.00

Other Assets 20,403.96 13,626.33 5,205.07 5,528.89 4,453.89


Group Share in Joint Venture 0.00 0.00 0.00 0.00 0.00

Total Assets 339,589.67 276,773.65 222,103.33 182,540.85 133,193.07

Contingent Liabilities 844,393.94 559,718.86 466,309.73 396,639.98 208,498.36

Bills for collection 39,610.71 28,869.10 20,940.13 17,939.62 17,092.85

Book Value (Rs) 128.74 549.97 472.23 345.29 325.45




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

Mar'12

Mar '11 Mar '10 Mar '09 Mar '08

Investment Valuation Ratios

Face Value 2.00 10.00 10.00 10.00 10.00

Dividend Per Share -- -- -- -- --Operating Profit Per Share (Rs) 38.00 163.65 151.81 130.78 113.59

Net Operating Profit Per Share (Rs) 140.91 532.23 442.34 467.79 351.54

Free Reserves Per Share (Rs) 98.17 423.43 365.60 253.26 270.85

Bonus in Equity Capital -- -- -- -- --

Profitability Ratios

Interest Spread -- -- -- -- --

Adjusted Cash Margin(%) 17.61 18.28 16.94 13.15 14.98

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Net Profit Margin 15.86 16.12 14.82 11.30 12.76

Return on Long Term Fund(%) 76.29 60.12 56.50 83.17 62.25

Return on Net Worth(%) 17.36 15.60 13.89 15.31 13.82

Adjusted Return on Net Worth(%) 17.45 15.70 14.01 15.30 13.79

Return on Assets ExcludingRevaluations

128.74 549.97 472.23 345.29 325.45

Return on Assets IncludingRevaluations

128.74 549.97 472.23 345.29 325.45

Management Efficiency Ratios

Interest Income / Total Funds 10.69 9.89 9.96 12.57 11.10

Net Interest Income / Total Funds 5.80 6.12 6.13 6.95 6.75

Non Interest Income / Total Funds -- -- 0.01 -- 0.03

Interest Expended / Total Funds 4.88 3.76 3.84 5.62 4.36

Operating Expense / Total Funds 2.92 3.08 2.71 3.43 3.16

Profit Before Provisions / Total Funds 2.70 2.84 3.23 3.28 3.37

Net Profit / Total Funds 1.70 1.60 1.49 1.42 1.42

Loans Turnover 0.18 0.17 0.18 0.25 0.23

Total Income / Capital Employed(%) 10.69 9.89 9.97 12.57 11.13

Interest Expended / CapitalEmployed(%)

4.88 3.76 3.84 5.62 4.36

Total Assets Turnover Ratios 0.11 0.10 0.10 0.13 0.11

Asset Turnover Ratio 0.12 0.11 4.24 4.95 5.11

Profit And Loss Account Ratios

Interest Expended / Interest Earned 54.72 47.02 48.04 54.58 48.31

Other Income / Total Income -- -- 0.07 -- 0.26

Operating Expense / Total Income 27.34 31.19 27.15 27.30 28.39

Selling Distribution Cost Composition 0.46 0.65 0.42 0.56 0.94

Balance Sheet Ratios

Capital Adequacy Ratio -- 16.22 17.44 15.69 13.73

Advances / Loans Funds(%) 80.21 79.74 77.43 79.05 72.00Debt Coverage Ratios

Credit Deposit Ratio 79.08 76.41 72.66 66.78 65.35

Investment Deposit Ratio 36.73 34.29 37.82 44.40 47.28

Cash Deposit Ratio 8.81 10.81 9.36 10.72 10.44

Total Debt to Owners Fund 8.16 8.14 7.74 9.71 8.72

Financial Charges Coverage Ratio 1.59 1.81 1.89 1.62 1.83

Financial Charges Coverage RatioPost Tax

1.38 1.48 1.44 1.29 1.38

Leverage Ratios

Current Ratio 0.08 0.06 0.03 0.04 0.04

Quick Ratio 6.20 6.79 7.03 5.15 4.87

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 22.36 22.35 21.33 22.13 22.09

Dividend Payout Ratio Cash Profit 20.22 19.83 18.80 19.01 18.79

Earning Retention Ratio 77.75 77.79 78.85 77.86 77.86

Cash Earning Retention Ratio 79.87 80.29 81.34 80.99 81.17

AdjustedCash Flow Times 42.31 46.00 48.73 54.49 53.77


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HDFC data (2)

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