HDFC BANK LTD.

ANNUAL REPORT 2010-11

ANALYSIS OF DIRECTOR REPORT

Net profit of year. 3,926 crore an increase of 33 % over the last

Total deposit were the previous year. Total advance previous year.

208,586 crore an increase of 24.6% over

159,983 crore an increase of 27.1% over he

Network of 1986 branches and 5471 atms in 996 cities. Human resources The total number of employees of HDFC bank were 55,755 as of March 31, 2011.

Analysis of auditors report

Divided in two part1. In First part auditor express the view on true and fairness of the state of affair of the company. 2. In second part opinion and comment on financial performance of the company. 217(2A) of the Companies Act, 1956 Banking Regulation Act,1949 Rs` in 000 Increase in Investments 11927,53,42 Purchase of fixed assets 541,82,14 Proceeds from sale of fixed assets 908,29 loss on sale of fixed assets 81,53

RATIOS ANALYSIS
31 march 2011 Current ratio Net profit margin Assets turnover Ratio 0.50 16.09 4.65 31 march 2010 0.28 14.76 4.24

Dividend Per Share

16.50

12.00

CHANGE IN EPS
EARNING PER SHARE
100 80 60 40 20 0 2010 2011 67.6

Diluted EPS
100 50 0 2010 2011 66.87 84.03

85

Net profit after taxation of ` 3,926,39 lacs (previous year :2,948,70 lacs) Weighted average number of equity shares outstanding during the year amounting to ` 46,18,06,978 (previous year 43,64,39,573).

ANALYSIS OF VOLUNTARY DISCLOSURE BY HDFC BANK AND UNIQUE FEATURE.

1. Disclosure for customer complaints of Banking Ombudsman Customer complaints(a) No. of complaints pending (beg.) 1,900 (b) No. of complaints received 157,857 (c) No. of complaints redressed 158,633 (d) No. of complaints pending (end) 1,124 2. Fraud Monitoring Committee following up of cases of fraud involving amounts of ` 1 crore and above.

3. Whistle blower policy

whistle blower policy that contains procedures for receiving, retaining and treating complaints received. Ex. Satyam Fraud 4. The reserve bank of india has imposed penalties on HDFC Penalty of 5 lac rupees.

ANALYSIS OF CORPORATES GOVERNANCE COMPLIANCE

Refers as the Dos and Dont of the company.

CSR
BOARD MEETINGS During the year under review, seven Board Meetings were held on April 24, 2010; June 30, 2010; July 19, 2010; October 19, 2010; December 15, 2010; January 27, 2011 and March 28, 2011. COMMUNICATION 1. The quarterly and half-yearly unaudited financial results are published in Business Standard.). 2. The results are also displayed on the Banks web-site at www.hdfcbank.com. 3. The web-site also gives a link to www.sec.gov where the investors.

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