Hdfc Bank Ltd 6-K, filed Jan 18, 2022

Hdfc Bank Ltd (HDB)

6-K 2022-01-18 For: 2022-01-17

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Added on April 02, 2026

About this 6-K

Hdfc Bank Ltd filed this 6-K on January 18, 2022.

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	HDFC BANK LIMITED
	(Registrant)

Date: January 17, 2022	By	/s/ Santosh Haldankar
	Name: Santosh Haldankar
	Title: Sr. Vice President (Legal) & Company Secretary


		(₹ in lac)
	Particulars	Quarter ended									Nine months ended						Year ended 31.03.2021
		31.12.2021			30.09.2021			31.12.2020			31.12.2021			31.12.2020			Year ended 31.03.2021
		Unaudited			Audited (Refer note 4)			Unaudited			Unaudited			Unaudited			Audited
1	Interest Earned (a)+(b)+(c)+(d)		3246805			3135337			3007970			9430439			9043464			12085823
	a) Interest / discount on advances / bills		2489549			2411494			2358069			7260316			7102291			9483454
	b) Income on investments		652582			645064			583191			1946960			1704794			2321427
	c) Interest on balances with Reserve Bank of India and other inter-bank funds		86319			69090			55834			185692			202638			234125
	d) Others		18355			9689			10876			37471			33741			46817
2	Other Income		818355			740079			744322			2187284			1761098			2520489
3	Total Income (1)+(2)		4065160			3875416			3752292			11617723			10804562			14606312
4	Interest Expended		1402457			1366898			1376209			4116756			4267522			5597866
5	Operating Expenses (i)+(ii)		985108			927789			857481			2728940			2354133			3272262
	i) Employees cost		315442			296705			263012			888705			768594			1036479
	ii) Other operating expenses		669666			631084			594469			1840235			1585539			2235783
6	Total Expenditure (4)+(5) (excluding Provisions and Contingencies)		2387565			2294687			2233690			6845696			6621655			8870128
7	Operating Profit before Provisions and Contingencies (3)-(6)		1677595			1580729			1518602			4772027			4182907			5736184
8	Provisions (other than tax) and Contingencies		299398			392466			341413			1174948			1100915			1570285
9	Exceptional Items		—			—			—			—			—			—
10	Profit / (Loss) from Ordinary Activities before tax (7)-(8)-(9)		1378197			1188263			1177189			3597079			3081992			4165899
11	Tax Expense		343977			304832			301360			906464			788990			1054246
12	Net Profit / (Loss) from Ordinary Activities after tax (10)-(11)		1034220			883431			875829			2690615			2293002			3111653
13	Extraordinary items (net of tax expense)		—			—			—			—			—			—
14	Net Profit / (Loss) for the period (12)-(13)		1034220			883431			875829			2690615			2293002			3111653
15	Paid up equity share capital (Face Value of ₹ 1/- each)		55424			55375			55077			55424			55077			55128
16	Reserves excluding revaluation reserves																	20316953
17	Analytical Ratios and other disclosures:
	(i) Percentage of shares held by Government of India		Nil			Nil			Nil			Nil			Nil			Nil
	(ii) Capital Adequacy Ratio		19.5	%		20.0	%		18.9	%		19.5	%		18.9	%		18.8	%
	(iii) Earnings per share (EPS) (₹) (Face Value of ₹ 1/- each):
	(a) Basic EPS before & after extraordinary items (net of tax expense) - not annualized		18.7			16.0			15.9			48.7			41.7			56.6
	(b) Diluted EPS before & after extraordinary items (net of tax expense) - not annualized		18.5			15.9			15.8			48.3			41.5			56.3
	(iv) NPA Ratios:
	(a) Gross NPAs		1601355			1634607			882556			1601355			882556			1508600
	(b) Net NPAs		467677			475509			101599			467677			101599			455482
	(c) % of Gross NPAs to Gross Advances		1.26	%		1.35	%		0.81	%		1.26	%		0.81	%		1.32	%
	(d) % of Net NPAs to Net Advances		0.37	%		0.40	%		0.09	%		0.37	%		0.09	%		0.40	%
	(v) Return on assets (average) - not annualized		0.56	%		0.50	%		0.55	%		1.52	%		1.47	%		1.97	%
	(vi) Net worth		22339400			21283028			18986579			22339400			18986579			19860103
	(vii) Outstanding redeemable preference shares		—			—			—			—			—			—
	(viii) Capital redemption reserve		—			—			—			—			—			—
	(ix) Debt-equity ratio		0.25			0.24			0.30			0.25			0.30			0.30
	(x) Total debts to total assets		9.82	%		8.12	%		7.26	%		9.82	%		7.26	%		7.76	%


		(₹ in lac)
Particulars		Quarter ended									Nine months ended						Year ended
		31.12.2021			30.09.2021			31.12.2020			31.12.2021			31.12.2020			31.03.2021
		Unaudited			Audited (Refer note 4)			Unaudited			Unaudited			Unaudited			Audited
1	Segment Revenue
a)	Treasury		919160			865042			820190			2648635			2430193			3233767
b)	Retail Banking		2925294			2821405			2781220			8444166			8259747			11021021
c)	Wholesale Banking		1872577			1566263			1432996			4879539			4242618			5715430
d)	Other Banking Operations		567252			542430			553301			1596026			1439386			1993753
e)	Unallocated		—			—			—			—			—			3082
	Total		6284283			5795140			5587707			17568366			16371944			21967053
	Less: Inter Segment Revenue		2219123			1919724			1835415			5950643			5567382			7360741

	Income from Operations		4065160			3875416			3752292			11617723			10804562			14606312

2	Segment Results
a)	Treasury		253105			231727			216936			755575			659814			903050
b)	Retail Banking		195926			207718			150718			512680			638241			1057480
c)	Wholesale Banking		772611			581321			587538			1889604			1297299			1743754
d)	Other Banking Operations		204935			212010			264281			569803			609175			620714
e)	Unallocated		(48380	)		(44513	)		(42284	)		(130583	)		(122537	)		(159099	)

	Total Profit Before Tax		1378197			1188263			1177189			3597079			3081992			4165899

3	Segment Assets
a)	Treasury		53754643			53320390			48454139			53754643			48454139			51964174
b)	Retail Banking		58577297			55066808			49769712			58577297			49769712			52199722
c)	Wholesale Banking		72959133			68279622			59703781			72959133			59703781			62873157
d)	Other Banking Operations		7356677			6709298			6652394			7356677			6652394			6711608
e)	Unallocated		1180845			1108355			842758			1180845			842758			938391

	Total		193828595			184484473			165422784			193828595			165422784			174687052

4	Segment Liabilities
a)	Treasury		13237969			10540440			7682004			13237969			7682004			7627660
b)	Retail Banking		122096409			117708079			105202071			122096409			105202071			109621782
c)	Wholesale Banking		31759407			30520473			30117038			31759407			30117038			33811531
d)	Other Banking Operations		631229			529363			568514			631229			568514			585765
e)	Unallocated		3139624			3315106			2338725			3139624			2338725			2668233

	Total		170864638			162613461			145908352			170864638			145908352			154314971

5	Capital Employed
	(Segment Assets - Segment Liabilities)
a)	Treasury		40516674			42779950			40772135			40516674			40772135			44336514
b)	Retail Banking		(63519112	)		(62641271	)		(55432359	)		(63519112	)		(55432359	)		(57422060	)
c)	Wholesale Banking		41199726			37759149			29586743			41199726			29586743			29061626
d)	Other Banking Operations		6725448			6179935			6083880			6725448			6083880			6125843
e)	Unallocated		(1958779	)		(2206751	)		(1495967	)		(1958779	)		(1495967	)		(1729842	)

	Total		22963957			21871012			19514432			22963957			19514432			20372081


	(₹ in lac)
Particulars	As at 31.12.2021		As at 31.12.2020		As at 31.03.2021
Particulars	Unaudited		Unaudited		Audited
CAPITAL AND LIABILITIES
Capital		55424		55077		55128
Reserves and Surplus		22908533		19459355		20316953
Deposits		144591811		127112386		133506022
Borrowings		19042526		12013015		13548733
Other Liabilities and Provisions		7230301		6782951		7260216

Total		193828595		165422784		174687052

ASSETS
Cash and Balances with Reserve Bank of India		15737985		8772856		9734073
Balances with Banks and Money at Call and Short notice		1104653		1768952		2212966
Investments		42258533		41437619		44372829
Advances		126086284		108232416		113283663
Fixed Assets		547940		476711		490932
Other Assets		8093200		4734230		4592589

Total		193828595		165422784		174687052


	₹ in crore except number of accounts
Particulars	Individual Borrowers				Small Businesses
Particulars	Personal Loans		Business Loans		Small Businesses
A) Number of requests received for invoking resolution process		651656		687652		12328
B) Number of accounts where resolution plan has been implemented under this window		555978		553382		7284
C) Exposure to accounts mentioned at (B) before implementation of the plan		14564.32		1566.32		1889.21
D) Of (C), aggregate amount of debt that was converted into other securities		—		—		—
E) Additional funding sanctioned, if any, including between invocation of the plan and implementation		—		—		—
F) Increase in provisions on account of the implementation of the resolution plan		1665.40		204.77		195.02


	₹ in crore except number of accounts
Particulars	To Asset Reconstruction Companies (ARCs)		To permitted transferees		To other transferees
Number of accounts		9881		—		—
Aggregate principal outstanding of loans transferred		262.45		—		—
Weighted average residual tenor of the loans transferred (in years)		3.21		—		—
Net book value of loans transferred (at the time of transfer)		104.55		—		—
Aggregate consideration		141.10		—		—
Additional consideration realised in respect of accounts transferred in earlier years		—		—		—


Aggregate amount of loans acquired (₹ in crore)	7,488.75
Weighted average residual maturity (in years)	15.33
Weighted average holding period by originator (in years)	1.34
Retention of beneficial economic interest by the originator	10	%
Tangible security coverage	100	%


Place : Mumbai		Sashidhar Jagdishan
Date : January 15, 2022		Managing Director


		(₹ in lacs)
		Quarter ended							Nine months ended				Year ended
	Particulars	31.12.2021		30.09.2021		31.12.2020			31.12.2021		31.12.2020		31.03.2021
		Unaudited		Audited (Refer note 4)		Unaudited			Unaudited		Unaudited		Audited
1	Interest Earned (a)+(b)+(c)+(d)		3458802		3352044		3185160			10036222		9594548		12855240
	a) Interest / discount on advances / bills		2690770		2616373		2530278			7835239		7640054		10229913
	b) Income on investments		647468		644370		580793			1939483		1702979		2321162
	c) Interest on balances with Reserve Bank of India and other inter-bank funds		88446		70841		58801			191353		208261		241430
	d) Others		32118		20460		15288			70147		43254		62735
2	Other Income		877694		791592		798713			2337273		1903031		2733288
3	Total Income (1)+(2)		4336496		4143636		3983873			12373495		11497579		15588528
4	Interest Expended		1472402		1441528		1452268			4335780		4516435		5924759
5	Operating Expenses (i)+(ii)		1060711		998491		917980			2929891		2519334		3500126
	i) Employees cost		412123		393143		345628			1169640		1010613		1367667
	ii) Other operating expenses		648588		605348		572352			1760251		1508721		2132459
6	Total Expenditure (4)+(5) (excluding Provisions and Contingencies)		2533113		2440019		2370248			7265671		7035769		9424885
7	Operating Profit before Provisions and Contingencies (3)-(6)		1803383		1703617		1613625			5107824		4461810		6163643
8	Provisions (Other than tax) and Contingencies		381570		471267		432305			1389470		1308769		1884029
9	Exceptional Items		—		—		—			—		—		—
10	Profit / (Loss) from ordinary activities before tax (7)-(8)-(9)		1421813		1232350		1181320			3718354		3153041		4279614
11	Tax Expense		360236		320354		305301			950753		811797		1093937
12	Net Profit / (Loss) from Ordinary Activities after tax (10)-(11)		1061577		911996		876019			2767601		2341244		3185677
13	Extraordinary items (net of tax expense)		—		—		—			—		—		—
14	Consolidated Net Profit / (Loss) for the period before minorities’ interest (12)-(13)		1061577		911996		876019			2767601		2341244		3185677
15	Less: Minorities’ Interest		2431		2377		(914	)		6627		1301		2356
16	Consolidated Net Profit / (Loss) for the period attributable to the group (14)-(15)		1059146		909619		876933			2760974		2339943		3183321
17	Paid up equity share capital (Face Value of ₹ 1/- each)		55424		55375		55077			55424		55077		55128
18	Reserves excluding revaluation reserves													20925890
19	Analytical Ratios:
	(i) Percentage of shares held by Government of India		Nil		Nil		Nil			Nil		Nil		Nil
	(ii) Earnings per share (EPS) (₹) (Face Value of ₹ 1/- each):
	(a) Basic EPS before & after extraordinary items (net of tax expense) - not annualized		19.1		16.4		15.9			49.9		42.6		57.9
	(b) Diluted EPS before & after extraordinary items (net of tax expense) - not annualized		19.0		16.3		15.8			49.6		42.4		57.6