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HDFC Bank - FM Assignment

The document contains profit and loss statements and balance sheets for HDFC Bank from March 2016 to March 2020. It shows increasing total income, net profits, deposits, advances, and total assets over the years. Key financial ratios like return on assets, return on equity, and debt-to-equity have also improved from 2016 to 2020, demonstrating strong and consistent financial performance and growth for the bank over the period.

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83 views9 pages

HDFC Bank - FM Assignment

The document contains profit and loss statements and balance sheets for HDFC Bank from March 2016 to March 2020. It shows increasing total income, net profits, deposits, advances, and total assets over the years. Key financial ratios like return on assets, return on equity, and debt-to-equity have also improved from 2016 to 2020, demonstrating strong and consistent financial performance and growth for the bank over the period.

Uploaded by

aditi
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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PROFIT & LOSS 20-Mar 19-Mar 18-Mar 17-Mar 16-Mar

ACCOUNT OF HDFC
BANK (in Rs. Cr.)

12 mths 12 mths 12 mths 12 mths 12 mths


INCOME
Interest / Discount 91,787.88 77,544.19 62,661.79 52,055.26 44,827.86
on Advances / Bills

Income from 20,633.32 19,997.46 16,222.37 15,944.34 14,120.03


Investments

Interest on Balance 1,828.93 635.7 523.88 532.02 361.61


with RBI and Other
Inter-Bank funds

Others 562.52 794.7 833.31 774.34 911.95


TOTAL INTEREST 114,812.65 98,972.05 80,241.36 69,305.96 60,221.45
EARNED

Other Income 23,260.82 17,625.88 15,220.30 12,296.50 10,751.72

TOTAL INCOME 138,073.47 116,597.94 95,461.66 81,602.46 70,973.17

EXPENDITURE

Interest Expended 58,626.40 50,728.83 40,146.49 36,166.73 32,629.93

Payments to and 9,525.67 7,761.76 6,805.74 6,483.66 5,702.20


Provisions for
Employees

Depreciation 1,195.85 1,140.10 906.34 833.12 705.84


Operating Expenses 19,976.01 17,217.51 14,978.30 12,386.55 10,571.66
(excludes Employee
Cost & Depreciation)

TOTAL OPERATING 30,697.53 26,119.37 22,690.38 19,703.34 16,979.70


EXPENSES

Provision Towards 9,833.15 12,129.61 10,107.25 7,916.97 6,507.59


Income Tax

Provision Towards 516.69 -1,008.12 -896.68 -327.54 -165.88


Deferred Tax

Other Provisions and 12,142.39 7,550.08 5,927.49 3,593.31 2,725.61


Contingencies

TOTAL PROVISIONS 22,492.23 18,671.57 15,138.06 11,182.74 9,067.32


AND
CONTINGENCIES

TOTAL EXPENDITURE 111,816.15 95,519.77 77,974.93 67,052.82 58,676.96

NET PROFIT / LOSS 26,257.32 21,078.17 17,486.73 14,549.64 12,296.21


FOR THE YEAR

NET PROFIT / LOSS 26,257.32 21,078.17 17,486.73 14,549.64 12,296.21


AFTER EI & PRIOR
YEAR ITEMS

Profit / Loss Brought 49,223.30 40,453.42 32,668.94 23,527.69 18,627.79


Forward
TOTAL PROFIT / 75,480.62 61,531.58 50,155.67 38,077.33 30,924.01
LOSS AVAILABLE
FOR
APPROPRIATIONS

APPROPRIATIONS

Transfer To / From 6,564.33 5,269.54 4,371.68 3,637.41 3,074.05


Statutory Reserve

Transfer To / From 1,123.85 105.34 235.52 313.41 222.15


Capital Reserve

Transfer To / From 0 0 0 0 0
Revenue And Other
Reserves

Dividend and 0 0 3,390.58 -1.69 -11.71


Dividend Tax for The
Previous Year

Equity Share 6,540.31 4,052.59 0 0 2,401.78


Dividend

Tax On Dividend 0 0 0 0 488.95

Balance Carried Over 57,492.40 49,223.30 40,453.42 32,668.94 23,527.69


To Balance Sheet

TOTAL 75,480.62 61,531.58 50,155.67 38,077.33 30,924.01


APPROPRIATIONS

OTHER
INFORMATION

EARNINGS PER
SHARE
Basic EPS (Rs.) 48.01 78.65 67.76 57.18 48.84

Diluted EPS (Rs.) 47.66 77.87 66.84 56.43 48.26

DIVIDEND
PERCENTAGE

Equity Dividend Rate 250 750 650 550 475


(%)
BALANCE SHEET OF 20-Mar 19-Mar 18-Mar 17-Mar 16-Mar
HDFC BANK (in Rs.
Cr.)

12 mths 12 mths 12 mths 12 mths 12 mths


EQUITIES AND
LIABILITIES

SHAREHOLDER'S
FUNDS

Equity Share Capital 548.33 544.66 519.02 512.51 505.64

TOTAL SHARE 548.33 544.66 519.02 512.51 505.64


CAPITAL

Revaluation Reserve 0 0 0 0 0

Reserves and Surplus 170,437.70 148,661.69 105,775.98 88,949.84 72,172.13

Total Reserves and 170,437.70 148,661.69 105,775.98 88,949.84 72,172.13


Surplus

TOTAL 170,986.03 149,206.35 106,295.00 89,462.35 72,677.76


SHAREHOLDERS
FUNDS

Deposits 1,147,502.29 923,140.93 788,770.64 643,639.66 546,424.19


Borrowings 144,628.54 117,085.12 123,104.97 74,028.87 53,018.47

Other Liabilities and 67,394.40 55,108.29 45,763.72 56,709.32 36,725.13


Provisions

TOTAL CAPITAL AND 1,530,511.26 1,244,540.69 1,063,934.32 863,840.19 708,845.57


LIABILITIES

ASSETS
Cash and Balances 72,205.12 46,763.62 104,670.47 37,896.88 30,058.31
with Reserve Bank of
India

Balances with Banks 14,413.60 34,584.02 18,244.61 11,055.22 8,860.53


Money at Call and
Short Notice

Investments 391,826.66 290,587.88 242,200.24 214,463.34 163,885.77

Advances 993,702.88 819,401.22 658,333.09 554,568.20 464,593.96


Fixed Assets 4,431.92 4,030.00 3,607.20 3,626.74 3,343.16

Other Assets 53,931.09 49,173.95 36,878.70 42,229.82 38,103.84

TOTAL ASSETS 1,530,511.26 1,244,540.69 1,063,934.32 863,840.19 708,845.57

OTHER ADDITIONAL
INFORMATION

Number of Branches 5,416.00 5,103.00 4,787.00 4,715.00 4,520.00

Number of Employees 116,971.00 98,061.00 88,253.00 84,325.00 87,555.00

Capital Adequacy 19 17 15 15 16
Ratios (%)

KEY PERFORMANCE
INDICATORS

Tier 1 (%) 17 16 13 13 13
Tier 2 (%) 1 1 2 2 2
ASSETS QUALITY

Gross NPA 12,649.97 11,224.16 8,606.97 5,885.66 4,392.83


Gross NPA (%) 1 1 1 1 1

Net NPA 3,542.36 3,214.52 2,601.02 1,843.99 1,320.37


Net NPA (%) 0.36 0 0 0 0

Net NPA To Advances 0 0 0 0 0


(%)

CONTINGENT
LIABILITIES,
COMMITMENTS

Bills for Collection 51,584.90 49,952.80 42,753.83 30,848.04 55,242.58

Contingent Liabilities 1,128,953.40 1,024,715.12 875,488.23 817,869.59 821,565.54


Balance Sheet Ratios
Mar '20 Mar '19 Mar '18 Mar '17
Current Assets
Current Ratio
Current Liabilities
Net Worth
Proprietary Ratio
Total Assets
Debt
Debt-Equity Ratio
Equity
Debt+Preference share capit
Capital Gearing Ratio
Equity-Preference share cap

Assumptions:
Borrowings are long term borrowings
Investments long term investments

Income Statement Ratios


Mar '20 Mar '19 Mar '18 Mar '17
Operating ExpensOperating Expense
Net Sales
Net Profit Ratio NPAT
Net Sales

Combined Ratios
Mar '20 Mar '19 Mar '18 Mar '17
Return on Assets Net Income
Total Assets
Net Interest MargNet Interest Income
Total Assets
Return on Equity Net Income
Equity
Return on Net WoNPAT
Net Worth
Mar '16

Mar '16

Mar '16

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