Bank Performance Analysis - HDFC bank

PROFITABILITY ANALYSIS
Mar-16 Mar-17

Rs in Crore Rs in Crore
1 Total Assets 7,408,899.40 8,639,616.90
2 Earning Assets
Balances with RBI 300,583,087.00 378,968,755.00
Balances with Banks in Deposit Accounts 6,824,510.00 9,716,581.00
Balances with Banks & money at Call & Short Notice 88,605,293.00 110,552,196.00
Balances with Banks Outside India 78,040,290.00 98,757,385.00
Investments + 1,958,362.90 2,144,633.50
Advances + 4,645,939.60 5,545,682.00
Total Earning Assets 480,657,482.50 605,685,232.50
3 Interest bearing Liabilities 464,593.96 554,568.20
Saving Deposits 1,478,861.80 1,935,786.30
Term & Other Deposits 3,101,133.40 3,344,871.70
Borrowings 849,689.90 740,288.70
Subordinated Debt 144,279.00 131,820.00
Total Interest bearing liabilities 6,038,558.06 6,707,334.90

Equity Capital 5,056.40 5,125.10

Reserves 721,721.40 889,498.50
Total Equity 726,777.80 894,623.60
5 Interest Income 600,394.20 690,493.20
6 Interest Expenditure 326,299.30 361,667.40
10 Non-interest operating income 112,116,541.00 128,776,329.00
11 Non-interest operating Expenditure 178,318,808.00 207,510,707.00
12 Provisions and Contingencies 90,673,223.00 120,689,285.00
Provisions and Contingencies include provision for tax
Profit After tax 122,962.10 145,496.40
otherexpeses 65,730,016.00 78,762,012.00
other income 10,751.72 12,296.49
Intrest income 60,221.45 69,305.96
Intrest expense 32,629.93 36,166.74
Profitability Ratios
Return on Assets= NI/ TA 1.66% 1.68%
Equity Multiplier TA/ TE 10.19 9.66
TE/ TA 0.10 0.10
ROE=ROA X EM 16.92% 16.26%

NI/ OR 0.20 0.21

OR/ TA 0.08 0.08
TA/ TE 10.19 9.66

(II - IE)/ TA 0.04 0.04

(OI-OE)/ TA
Provisions/TA 12.24 13.97
ROA 1.92% 1.88%

(II- IE)/E A 0.06% 0.05%

EA/ TA 64.88 70.11
(II - IE)/ TA 0.37% 0.38%

NIM 4.30% 4.30%

II/ EA 0.01% 0.01%
IE/ Intt Bearing Liab
Intt Bearing Liabilities/ EA
Spread

Efficiency ratio= Non intt exp/ (Net Interest Income+Non intt income)

Risk Ratios
Liquidity Risk= Short term securities/ Deposits
Interest Rate Risk = Interest Sensitive Assets/ Interest Sensitive Liabili hota hai kuch
Credit Risk = Provisioning / Assets 0.0004 0.0004
Capital Risk = Capital / Assets 0.001 0.001
Leverage ratio= Total equity/Total assets 9.81% 10.35%
Total capital ratio= (Total equity + Long-term debt + Reserve for loan
losses)/Total assets
Provision for loan loss ratio= PLL/ TL (provision for loan losses/total
loans and leases)
Loan Ratio = Net loans/ Total assets 0.06 0.06
Loss Ratio = Net charge-offs on loans (gross charge-offs minus
recoveries)/ Total loans and leases

Reserve Ratio = Reserve for loan losses (reserve for loan losses last year
minus gross charge-offs plus PLL and recoveries)/Total loans and leases

Nonperforming ratio= Nonperforming assets (nonaccrual loans and

restructured loans)/Total loans and leases 0.28% 0.33%

Operating efficiency (cost control)= Wages and salaries/Total expenses

9.72% 9.67%

Volatile liability dependency ratio= (Total volatile liabilities -

Temporary investments)/Net loans and leases kh

Other Financial Ratios

Tax rate = Total taxes paid/Net income before taxes 34.03% 34.28%
Gap ratio = (Interest rate-sensitive assets – Interest rate-sensitive
liabilities)/ Total assets
ank

Analysis and comments

Mar-18 Mar-19 Mar-20

Rs in Crore Rs in Crore Rs in Crore

10,639,880.60 12,445,407.00 15,305,112.70

1,046,704,730.00 467,636,184.00 722,051,210.00

2,091,212.00 4,242,945.00 12,476,849.00
182,446,097.00 345,840,208.00 144,135,970.00
127,888,848.00 247,215,133.00 140,658,814.00
2,422,002.50 2,931,307.00 3,918,266.60
6,583,331.00 8,194,012.20 9,937,028.80
1,368,136,220.50 1,076,059,789.20 1,033,178,138.40
658,333.09 819,401.22 993,702.88
2,238,102.10 2,487,003.80 3,103,771.40
4,456,778.50 5,319,427.80 6,628,772.80
1,231,049.70 1,170,851.30 1,446,285.40
211,070.00 182,320.00 182,320.00
8,795,333.39 9,979,004.12 12,354,852.48

5,190.20 5,446.60 5,483.30

1,057,759.90 1,486,616.90 1,704,377.00
1,062,950.10 1,492,063.50 1,709,860.30
800,807.60 985,637.80 1,146,655.60
401,464.90 507,288.30 586,264.00
160,566,041.00 189,470,579.00 248,789,748.00
239,272,220.00 276,947,604.00 330,360,555.00
164,749,045.00 20,254.73 24,598.52

174,867.30 210,781.70 262,573.20

101,762,636.00 121,940,914.00 146,823,698.00
15,220.31 17,625.87 23,260.82
80,241.35 98,972.05 114,812.65
40,146.49 50,728.83 58,626.40

1.64% 1.69% 1.72%

10.01 8.34 8.95
0.10 0.12 0.11
16.45% 14.13% 15.36%

0.22 0.21 0.23

0.08 0.08 0.07
10.01 8.34 8.95

0.04 0.04 0.04

15.48 0.00 0.00

1.93% 1.90% 2.01%

0.03% 0.04% 0.05%

128.59 86.46 67.51
0.38% 0.39% 0.37%

4.30% 4.30% 4.30%

0.01% 0.01% 0.01%

0.0006 0.0006 0.0008

0.000 0.000 0.000
9.99% 11.99% 11.17%

0.06 0.07 0.06

1.30% 1.36% 1.26%

8.73% 10.28% 10.79%

34.50% 34.54% 28.27%