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HDFC Bank Annual Report
HDFC Bank Annual Report
2008-2009 2009-2010
Interest Income 1,633,226.00 1,617,290.00
Interest Expense 891,110.00 778,630.00
Net Interest Income 742,116.00 838,660.00
Other Income 329,060.00 380,761.00
Net Revenues 1,071,176.00 1,219,421.00
Operating costs 553,281.00 576,448.00
Operating Result 517,895.00 642,973.00
Provisions and Contingencies 187,871.00 214,059.00
Loan Loss Provisions 172,628.00 193,893.00
Others 15,343.00 20,166.00
Profit before tax 329,924.00 428,914.00
Provision for taxation 105,431.00 134,044.00
Profit after tax 224,493.00 294,870.00
Funds :
Deposits 14,281,158.00 16,740,444.00
Subordinated debt 647,780.00 635,310.00
Stockholders’ Equity 1,464,633.00 2,151,958.00
Working Funds 18,327,077.00 22,245,857.00
Loans 9,888,305.00 12,583,059.00
Investments 5,881,755.00 5,860,762.00
Key Ratios :
Earnings per share 52.85 67.6
Return on Average Networth 16.12% 16.80%
Tier 1 Capital Ratio 10.58% 13.26%
Total Capital Ratio 15.69% 17.44%
Dividend per share 10 12.00**
Dividend payout ratio 22.17% 21.72%
Book value per share as at March 31 (Rs)* 344.31 470.12%
Market price per share as at March 31 (Rs)* 973.4 1933.50%
Price to Earnings Ratio 18.42 28.62%
Rs. 10 Lac = Rs. 1 Million Rs. 1 Crore = Rs. 10 Million **Proposed *Source : NSE