BalanceSheet - HDFC Bank Ltd.

Rs (in Crores)
Particulars

Mar'15

Mar'14

Mar'13

Mar'12

Mar'11

12 Months

12 Months

12 Months

12 Months

12 Months

501.30

479.81

475.88

469.64

468.14

Reserves & Surplus

61508.12

42998.82

35738.26

29455.04

24911.13

Net Worth

62009.42

43478.63

36214.15

29924.68

25379.27

Secured Loan

45213.56

39438.99

33006.60

23846.51

14394.06

Unsecured Loan

450795.64

367337.48

296246.98

246706.45

208586.41

TOTAL LIABILITIES

558018.62

450255.10

365467.73

300477.63

248359.73

3121.73

2939.92

2703.08

2347.19

2170.65

.00

.00

.00

.00

.00

3121.73

2939.92

2703.08

2347.19

2170.65

.00

.00

.00

.00

.00

166459.95

120951.07

111613.60

97482.91

70929.37

Inventories

.00

.00

.00

.00

.00

Sundry Debtors

.00

.00

.00

.00

.00

Cash and Bank

36331.45

39583.64

27280.17

20937.73

29668.83

Loans and Advances

384589.94

328124.87

258735.05

217141.67

174583.74

Total Current Assets

420921.39

367708.51

286015.22

238079.40

204252.58

32484.46

41344.40

34864.17

37431.87

28992.86

.00

.00

.00

.00

.00

Total Current Liabilities

32484.46

41344.40

34864.17

37431.87

28992.86

NET CURRENT ASSETS

388436.94

326364.11

251151.05

200647.53

175259.72

.00

.00

.00

.00

.00

558018.62

450255.10

365467.73

300477.63

248359.73

Liabilities
Share Capital

Assets
Gross Block
(-) Acc. Depreciation
Net Block
Capital Work in Progress
Investments

Current Liabilities
Provisions

Misc. Expenses
TOTAL ASSETS(A+B+C+D+E)
Rs (in Crores)

Profit & Loss - HDFC Bank Ltd. Rs (in Crores)

Mar'14

Mar'13

Mar'12

Mar'11

12Months

12Months

12Months

12Months

12Months

48469.90

41135.53

35064.87

27286.35

19928.21

.00

.00

.00

.00

.00

48469.90

41135.53

35064.87

27286.35

19928.21

57466.26

49055.18

41917.50

32530.05

24263.36

Manufacturing Expenses

.00

.00

.00

.00

.00

Material Consumed

.00

.00

.00

.00

.00

Personal Expenses

4750.96

4178.98

3965.38

3399.91

2836.04

.00

.00

.00

.00

.00

8580.29

7191.61

6619.07

4647.64

3819.46

.00

.00

.00

.00

.00

2075.01

1587.27

1676.40

1436.70

1906.11

15406.26

12957.86

12260.85

9484.24

8561.61

9064.42

7112.04

5226.67

4249.23

3887.62

18060.78

15031.68

12079.29

9492.93

8222.77

656.30

671.61

651.67

542.51

497.41

.00

.00

.00

.00

.00

EBIT

17404.48

14360.08

11427.63

8950.41

7725.37

Interest

26074.24

22652.90

19253.75

14989.58

9385.08

EBT

15329.47

12772.81

9751.22

7513.71

5819.26

5113.55

4294.43

3024.94

2346.62

1892.86

10215.92

8478.38

6726.28

5167.09

3926.40

Non Recurring Items

.00

.00

.00

.00

.00

Other Non Cash Adjustments

.00

.00

.00

.00

.00

INCOME:
Sales Turnover
Excise Duty
NET SALES
Other Income
TOTAL INCOME
EXPENDITURE:

Selling Expenses
Administrative Expenses
Expenses Capitalised
Provisions Made
TOTAL EXPENDITURE
Operating Profit
EBITDA
Depreciation
Other Write-offs

Taxes
Profit and Loss for the Year

Other Adjustments

.00

.00

.00

.00

.00

10215.92

8478.38

6726.28

5167.09

3926.40

.00

.00

.00

.00

.00

1596.99

1364.06

1086.60

845.38

643.09

318.56

284.29

228.33

180.12

138.23

Shares in Issue (Lakhs)

25064.95

23990.50

23794.19

23466.88

4652.26

EPS - Annualised (Rs)

40.76

35.34

28.27

22.02

84.40

REPORTED PAT
KEY ITEMS
Preference Dividend
Equity Dividend
Equity Dividend (%)

Rs (in Crores)

Yearly - HDFC Bank Ltd.

Mar'15

Mar'14

Mar'13

Mar'12

Net Sales Turnover

60221.45

48469.91

41135.54

35064.87

27286.35

Other Income

10751.72

8996.34

7919.64

6852.62

5243.69

Total Income

70973.17

57466.25

49055.18

41917.49

32530.04

Stock Adjustments

.00

.00

.00

.00

.00

Raw Material Consumed

.00

.00

.00

.00

.00

Power and Fuel

.00

.00

.00

.00

.00

5702.20

4750.96

4178.98

3965.38

3399.91

Administration and Selling Expenses

.00

.00

.00

.00

.00

Research and Development Expenses

.00

.00

.00

.00

.00

Expenses Capitalised

.00

.00

.00

.00

.00

Other Expenses

11277.49

9236.59

7863.21

7270.74

5190.15

Provisions Made

2725.61

2075.75

1588.02

1677.00

1437.25

TOTAL EXPENSES

19705.30

16063.30

13630.21

12913.12

10027.31

Operating Profit

40516.15

32406.61

27505.33

22151.75

17259.04

INCOME

EXPENSES

Employee Expenses

EBITDA

51267.87

41402.95

35424.97

29004.37

22502.73

.00

.00

.00

.00

.00

EBIT

53993.48

43478.70

37012.99

30681.37

23939.98

Interest

32629.93

26074.23

22652.90

19253.75

14989.58

EBT

21363.55

17404.47

14360.09

11427.62

8950.40

Taxes

6341.71

5112.80

4293.67

3024.34

2346.08

15021.84

12291.67

10066.42

8403.28

6604.32

Extraordinary Items

.00

.00

.00

.00

.00

Prior Year Adjustment

.00

.00

.00

.00

.00

Other Adjustment

-2725.61

-2075.75

-1588.02

-1677.00

-1437.25

Reported PAT

12296.23

10215.92

8478.40

6726.28

5167.07

.00

.00

.00

.00

.00

505.64

501.30

479.81

475.88

469.34

72172.13

61508.13

42998.82

35738.26

29455.04

Equity Dividend Rate

.00

400.00

342.50

.00

.00

Agg. Non-Promoter Share(Lakhs)

.00

14902.75

14488.30

14297.67

13978.42

Agg. Non-Promoter Holding(%)

.00

59.40

60.40

60.10

59.60

Government Share

.00

.00

.00

.00

.00

Capital Adequacy Ratio

.00

.00

.00

.00

16.50

NaN

40.72

35.35

28.27

22.03

Depreciation

Profit and Loss for the Year

KEY ITEMS
Reserves Written Back
Equity Capital
Reserves and Surplus

EPS(Rs.)
Rs (in Crores)

Profit & Loss For HDFC Bank Ltd.

Mar' 14

Mar' 13

Mar' 12

Mar' 11

48,469.90

41,135.53

35,064.87

27,286.35

19,928.21

Material Consumed

0.00

0.00

0.00

0.00

0.00

Manufacturing Expenses

0.00

0.00

0.00

0.00

0.00

4,750.96

4,178.98

3,965.38

3,399.91

2,836.04

0.00

0.00

0.00

0.00

0.00

8,580.29

7,191.61

6,619.07

4,647.64

3,819.46

0.00

0.00

0.00

0.00

0.00

39,405.48

34,023.49

29,838.20

23,037.12

16,040.59

Operating Profit

9,064.42

7,112.04

5,226.67

4,249.23

3,887.62

Other Recurring Income

8,996.35

7,919.64

6,852.62

5,243.69

4,335.15

Adjusted PBDIT

18,060.78

15,031.68

12,079.29

9,492.93

8,222.77

Financial Expenses

26,074.24

22,652.90

19,253.75

14,989.58

9,385.08

656.30

671.61

651.67

542.52

497.41

0.00

0.00

0.00

0.00

0.00

15,329.47

12,772.81

9,751.22

7,513.71

5,819.26

Income :

Operating Income

Expenses

Personnel Expenses

Selling Expenses

Adminstrative Expenses

Expenses Capitalised

Cost Of Sales

Depreciation

Other Write offs

Adjusted PBT

Tax Charges

5,113.55

4,294.43

3,024.94

2,346.62

1,892.86

10,215.92

8,478.38

6,726.28

5,167.09

3,926.40

Non Recurring Items

0.00

0.00

0.00

0.00

0.00

Other Non Cash adjustments

0.00

0.00

0.00

0.00

0.00

Reported Net Profit

10,215.92

8,478.38

6,726.28

5,167.09

3,926.40

Earnigs Before Appropriation

24,870.07

19,610.56

15,125.93

11,341.33

8,459.20

1,596.99

1,364.06

1,086.60

845.38

643.09

0.00

0.00

0.00

0.00

0.00

408.21

279.29

222.48

163.70

124.53

22,864.88

17,967.21

13,816.85

10,332.26

7,691.57

Adjusted PAT

Equity Dividend

Preference Dividend

Dividend Tax

Retained Earnings

Consolidated Ratios For HDFC Bank Ltd.

Mar' 15

Mar' 14

Mar' 13

Mar' 12

Mar' 11

Adjusted E P S (Rs.)

80.77

71.12

58.98

48.01

184.92

Adjusted Cash EPS (Rs.)

83.49

73.99

61.77

50.37

195.86

Reported EPS (Rs.)

42.64

36.45

28.87

22.36

85.82

Reported Cash EPS (Rs.)

45.36

39.32

31.66

24.72

96.76

0.00

0.00

0.00

0.00

0.00

75.91

65.13

52.16

43.21

180.44

PER SHARE RATIOS

Dividend Per Share

Operating Profit Per Share (Rs.)

Book Value (Excl Rev Res) Per Share (Rs.)

251.96

184.10

154.00

128.74

549.91

Book Value (Incl Rev Res) Per Share (Rs.)

251.96

184.10

154.00

128.74

549.91

Net Operating Income Per Share (Rs.)

202.14

177.38

150.71

120.14

430.83

0.00

0.00

0.00

0.00

0.00

Operating Margin (%)

37.55

36.71

34.60

35.96

41.88

Gross Profit Margin (%)

36.20

35.10

32.75

33.99

39.34

Net Profit Margin (%)

21.09

20.54

19.15

18.61

19.91

Adjusted Cash Margin (%)

34.75

34.90

34.18

34.57

36.99

Adjusted Return On Net Worth (%)

32.05

38.63

38.29

37.29

33.62

Reported Return On Net Worth (%)

16.92

19.79

18.74

17.36

15.60

Return On long Term Funds (%)

84.14

101.78

100.51

95.22

65.90

Long Term Debt / Equity

0.00

0.00

0.00

0.00

0.00

Total Debt/Equity

7.13

8.31

8.08

8.16

8.14

12.30

10.73

11.01

10.91

10.93

0.09

0.10

0.10

0.10

0.08

Current Ratio

0.57

0.60

0.54

0.57

0.50

Current Ratio (Inc. ST Loans)

0.04

0.06

0.05

0.07

0.06

12.66

8.60

7.97

6.24

6.85

Free Reserves Per Share (Rs.)

PROFITABILITY RATIOS

LEVERAGE RATIOS

Owners fund as % of total Source

Fixed Assets Turnover Ratio

LIQUIDITY RATIOS

Quick Ratio

Inventory Turnover Ratio

0.00

0.00

0.00

0.00

0.00

Dividend payout Ratio (Net Profit)

22.73

22.05

22.30

22.36

22.35

Dividend payout Ratio (Cash Profit)

21.37

20.44

20.34

20.22

19.83

Earning Retention Ratio

88.00

88.70

89.09

89.59

89.63

Cash Earnings Retention Ratio

88.39

89.14

89.58

90.08

90.21

21.52

20.68

20.15

20.86

22.86

Financial Charges Coverage Ratio

2.05

2.02

1.99

2.07

2.38

Fin. Charges Cov.Ratio (Post Tax)

1.42

1.40

1.38

1.38

1.48

Material Cost Component(% earnings)

0.00

0.00

0.00

0.00

0.00

Selling Cost Component

0.00

0.00

0.00

0.00

0.00

Exports as percent of Total Sales

0.00

0.00

0.00

0.00

0.00

Import Comp. in Raw Mat. Consumed

0.00

0.00

0.00

0.00

0.00

Long term assets / Total Assets

0.89

0.82

0.85

0.81

0.83

Bonus Component In Equity Capital (%)

0.00

0.00

0.00

0.00

0.00

PAYOUT RATIOS

COVERAGE RATIOS

Adjusted Cash Flow Time Total Debt

COMPONENT RATIOS