HDFC Bank Limited(NYSE:HDB) 
HDFC Bank Limited provides various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. It operates in Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Unallocated segments. The company accepts savings, salary, current, and Dem...
Website: http://www.hdfcbank.com
Founded: 1994
Full Time Employees: 116,971
Sector: Financial Services
Industry: Banks-Regional
• Market Cap:
• Exchange:
• Shs Outstanding:
• Employees:
• Beta:
• Return on Equity (ROE) ttm:
• Return on Assets (ROA) ttm:
• EPS ttm:
• Book value per Share:
• Cash per Share:
• Current ast per Share:
• P/E ttm:
• P/E forward:
• P/E ttm high:
• P/E ttm low:
• P/S ttm:
• P/B ttm:
• P/FCF ttm:
• PEG ratio:
• Cash Ratio ttm:
• Quick Ratio ttm:
• Current Ratio ttm:
• Gross Mgn ttm:
• EBITDA Mgn ttm:
• Operating Mgn ttm:
• Net Income Mgn ttm:
• Trailing Div yield:
• Forward Div yield:
• Payout Ratio ttm:
• Ex-Dividend date:
• Target Price High:
• Target Price Low:
• Target Price Mean:
• Number of Analysts:
• Debt Ratio ttm:
• Debt to Equity ttm:
• Total Net Debt:
At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
| Unit: USD | 2025-07-14 | 2025-03-31 | 2024-08-21 | 2024-03-31 | 2023-06-29 | 2023-03-31 | 2022-07-29 | 2022-03-31 | 2021-07-26 | 2021-03-31 | 2020-03-31 | 2020-03-26 | 2019-03-31 | 2019-03-15 | 2018-03-31 | 2018-02-26 | 2017-03-31 | 2017-02-07 | 2016-03-31 | 2016-02-02 | 2015-03-31 | 2015-01-28 | 2014-03-31 | 2014-02-04 | 2013-03-31 | 2013-03-25 | 2012-05-10 | 2012-03-31 | 2011-04-08 | 2011-03-31 | 2010-06-02 | 2010-03-31 | 2009-09-29 | 2009-03-31 | 2008-03-31 | 2007-04-17 | 2007-03-31 | 2006-03-31 | 2005-09-30 | 2005-03-28 | 2004-03-31 | 2004-03-10 | 2003-03-31 | 2002-10-01 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
interest and dividend revenue: | ||||||||||||||||||||||||||||||||||||||||||||
loans | ||||||||||||||||||||||||||||||||||||||||||||
trading securities | 6,250,900,000 | 3,164,700,000 | 1,623,900,000 | 942,000,000 | 2,629,300,000 | 4,900,200,000 | 4,428,400,000 | 2,096,600,000 | 2,766,300,000 | 2,579,000,000 | 2,459,300,000 | 3,412,500,000 | 2,334,800,000 | 1,946,900,000 | 1,682,300,000 | 2,420,800,000 | 1,004,200,000 | 509,700,000 | ||||||||||||||||||||||||||
available for sale debt securities | 300,291,300,000 | 226,607,500,000 | 143,220,700,000 | 119,680,100,000 | 111,037,300,000 | 98,527,700,000 | ||||||||||||||||||||||||||||||||||||||
other | 40,077,100,000 | 32,604,400,000 | 11,014,300,000 | 12,148,900,000 | 17,357,900,000 | 9,224,400,000 | 8,662,100,000 | 6,075,600,000 | 5,920,700,000 | 7,472,000,000 | 7,390,800,000 | 6,097,300,000 | 4,748,100,000 | 3,878,000,000 | 2,259,500,000 | 1,323,100,000 | 953,100,000 | 1,308,700,000 | 473,000,000 | 14,700,000 | ||||||||||||||||||||||||
total interest and dividend revenue | 1,585,264,600,000 | 1,238,308,600,000 | 774,084,800,000 | 645,119,700,000 | 641,413,700,000 | 586,277,300,000 | 491,347,700,000 | 402,485,100,000 | 350,517,500,000 | 298,907,300,000 | 238,605,200,000 | 202,006,900,000 | 169,390,600,000 | 129,430,500,000 | 92,700,700,000 | 80,143,300,000 | 72,442,500,000 | |||||||||||||||||||||||||||
interest expense: | ||||||||||||||||||||||||||||||||||||||||||||
deposits | 599,726,300,000 | 454,995,200,000 | 281,832,900,000 | 240,788,900,000 | 258,404,900,000 | 245,731,500,000 | 195,383,900,000 | 159,550,600,000 | 153,141,900,000 | 138,919,100,000 | 106,776,400,000 | 88,448,400,000 | 78,878,700,000 | 58,634,200,000 | 37,848,500,000 | 39,206,200,000 | 31,934,000,000 | 12,580,700,000 | ||||||||||||||||||||||||||
short-term borrowings | 43,100,700,000 | 46,153,200,000 | 19,517,800,000 | 7,908,800,000 | 6,827,900,000 | 14,903,700,000 | 15,280,400,000 | 9,989,100,000 | 10,482,100,000 | 5,086,000,000 | 3,719,600,000 | 11,365,700,000 | 7,169,600,000 | 5,207,200,000 | 1,191,700,000 | 204,800,000 | 4,626,000,000 | 1,791,200,000 | ||||||||||||||||||||||||||
long-term debt | 244,692,600,000 | 165,712,100,000 | 43,840,700,000 | 37,520,800,000 | 41,089,900,000 | 43,384,600,000 | 42,953,300,000 | 32,056,000,000 | 18,647,300,000 | 16,443,500,000 | 14,744,600,000 | 11,784,700,000 | 8,642,000,000 | 6,063,200,000 | 4,185,500,000 | 3,210,100,000 | ||||||||||||||||||||||||||||
total interest expense | 890,458,700,000 | 667,470,900,000 | 345,482,700,000 | 286,312,300,000 | 306,384,500,000 | 304,082,300,000 | 253,646,100,000 | 201,687,800,000 | 182,305,900,000 | 160,764,900,000 | 125,447,100,000 | 111,634,500,000 | 94,903,900,000 | 70,007,400,000 | 43,246,100,000 | 42,621,500,000 | 37,976,500,000 | 15,207,100,000 | 6,214,900,000 | 6,006,800,000 | 5,813,600,000 | |||||||||||||||||||||||
net interest revenue | 694,805,900,000 | 570,837,700,000 | 428,602,100,000 | 358,807,400,000 | 335,029,200,000 | 282,195,000,000 | 237,701,600,000 | 200,797,300,000 | 168,211,600,000 | 138,142,400,000 | 113,158,100,000 | 90,372,400,000 | 74,486,700,000 | 59,423,100,000 | 49,454,600,000 | 37,521,800,000 | 34,466,000,000 | 16,284,900,000 | 7,377,600,000 | |||||||||||||||||||||||||
provision for credit losses | 83,055,200,000 | 76,443,800,000 | 46,109,000,000 | 59,599,400,000 | 64,117,100,000 | |||||||||||||||||||||||||||||||||||||||
net interest revenue after provision for credit losses | 611,750,700,000 | 494,393,900,000 | 382,493,100,000 | 299,208,000,000 | 270,912,100,000 | |||||||||||||||||||||||||||||||||||||||
non-interest revenue, net: | ||||||||||||||||||||||||||||||||||||||||||||
fees and commissions | 157,039,600,000 | 131,893,700,000 | 112,186,500,000 | 91,095,500,000 | 66,018,900,000 | 75,477,000,000 | 61,886,800,000 | 53,371,300,000 | 44,564,400,000 | 38,390,100,000 | 32,309,800,000 | 27,923,000,000 | 24,774,900,000 | 19,980,500,000 | 18,114,900,000 | 14,543,100,000 | 10,963,000,000 | 6,136,500,000 | 2,806,300,000 | |||||||||||||||||||||||||
trading securities gain | 48,500,800,000 | 12,398,500,000 | -59,400,000 | 1,478,400,000 | 1,067,000,000 | |||||||||||||||||||||||||||||||||||||||
realized gain on sales of available for sale debt securities | 475,700,000 | 1,243,100,000 | -833,300,000 | 8,272,000,000 | 35,712,200,000 | |||||||||||||||||||||||||||||||||||||||
allowance on available for sale debt securities | -8,700,000 | 57,200,000 | 2,915,100,000 | -5,427,100,000 | ||||||||||||||||||||||||||||||||||||||||
foreign exchange transactions | 25,792,500,000 | -4,237,800,000 | 7,984,200,000 | 20,657,800,000 | 9,658,200,000 | 9,878,300,000 | -10,471,200,000 | -2,852,600,000 | 9,020,000,000 | -6,582,000,000 | 747,600,000 | -225,900,000 | 4,998,000,000 | 7,550,900,000 | 7,494,000,000 | 374,100,000 | 180,400,000 | |||||||||||||||||||||||||||
derivatives gain | 23,962,900,000 | 3,855,900,000 | 10,802,300,000 | -18,500,000 | ||||||||||||||||||||||||||||||||||||||||
premium and other operating income from the insurance business | 211,568,500,000 | 117,048,200,000 | ||||||||||||||||||||||||||||||||||||||||||
total non-interest revenue | 489,253,200,000 | 269,753,500,000 | 131,497,100,000 | 131,924,600,000 | 110,053,100,000 | 90,567,800,000 | 72,370,100,000 | 67,311,900,000 | 50,256,300,000 | 43,174,500,000 | 32,904,400,000 | 33,619,700,000 | 28,985,200,000 | 23,010,000,000 | 21,390,000,000 | 23,709,500,000 | 11,759,900,000 | 6,339,000,000 | 3,608,500,000 | |||||||||||||||||||||||||
total revenue | 1,101,003,900,000 | 764,147,400,000 | 513,990,200,000 | 431,132,600,000 | 380,965,200,000 | 318,980,000,000 | 273,217,400,000 | 235,891,400,000 | 199,732,700,000 | 169,752,800,000 | 138,730,000,000 | 115,104,800,000 | 96,035,800,000 | 75,535,600,000 | 66,941,900,000 | 46,912,400,000 | 39,401,100,000 | 18,550,700,000 | ||||||||||||||||||||||||||
yoy | 114.21% | 77.24% | 34.92% | 35.22% | 36.79% | 38.96% | 43.97% | 47.48% | 44.46% | 61.01% | 69.90% | |||||||||||||||||||||||||||||||||
qoq | 27.14% | |||||||||||||||||||||||||||||||||||||||||||
non-interest expense: | ||||||||||||||||||||||||||||||||||||||||||||
salaries and staff benefits | 149,500,600,000 | 128,382,600,000 | 93,007,200,000 | 81,031,500,000 | 67,678,800,000 | 62,318,100,000 | 49,860,300,000 | 49,219,400,000 | 47,337,300,000 | 40,566,200,000 | 34,257,900,000 | 29,132,200,000 | 26,814,300,000 | 21,898,900,000 | 18,380,600,000 | 14,193,200,000 | 14,639,100,000 | 5,221,300,000 | 1,459,400,000 | |||||||||||||||||||||||||
premises and equipment | 37,742,700,000 | 29,664,700,000 | 21,995,000,000 | 18,049,800,000 | 17,667,200,000 | 15,588,000,000 | 14,766,200,000 | 14,533,600,000 | 13,585,800,000 | 11,755,200,000 | 10,021,100,000 | 9,733,600,000 | 8,200,300,000 | 7,687,100,000 | 6,005,400,000 | 5,047,300,000 | 3,396,000,000 | 2,342,800,000 | 1,041,300,000 | 599,000,000 | ||||||||||||||||||||||||
depreciation and amortization | 18,719,900,000 | 15,235,900,000 | 11,061,900,000 | 7,749,000,000 | 6,636,700,000 | 6,570,600,000 | 5,477,600,000 | 4,802,800,000 | 4,292,900,000 | 3,652,900,000 | 3,392,600,000 | 3,537,700,000 | 3,110,300,000 | 2,555,100,000 | 2,263,500,000 | 2,002,200,000 | 1,732,300,000 | 1,077,200,000 | 674,700,000 | |||||||||||||||||||||||||
administrative and other | 111,521,000,000 | 131,768,500,000 | 88,220,200,000 | 70,776,600,000 | 61,818,200,000 | 61,653,200,000 | 47,875,000,000 | 42,879,300,000 | 36,666,200,000 | 30,322,400,000 | 23,264,600,000 | 18,846,600,000 | 17,157,000,000 | 11,969,300,000 | 10,703,400,000 | 9,333,800,000 | 8,430,400,000 | 3,907,000,000 | 1,880,200,000 | 925,400,000 | ||||||||||||||||||||||||
amortization of intangible assets | 13,156,100,000 | 8,031,600,000 | 500,000 | 500,000 | 1,500,000 | 3,500,000 | 210,500,000 | 834,200,000 | 1,155,200,000 | 1,165,700,000 | 1,378,800,000 | 1,889,500,000 | ||||||||||||||||||||||||||||||||
claims and benefits paid pertaining to insurance business | 264,334,700,000 | 121,579,600,000 | ||||||||||||||||||||||||||||||||||||||||||
total non-interest expense | 594,975,000,000 | 434,662,900,000 | 214,284,300,000 | 177,606,900,000 | 153,800,900,000 | 146,129,900,000 | 117,979,600,000 | 111,435,600,000 | 101,883,700,000 | 86,300,200,000 | 71,146,700,000 | 62,084,300,000 | 56,437,100,000 | 45,276,100,000 | 38,731,700,000 | 32,466,000,000 | 29,567,100,000 | 12,548,300,000 | ||||||||||||||||||||||||||
(surplus) / deficit in p&l transferred to undistributed policyholders earnings account | -71,056,000,000 | -19,438,600,000 | ||||||||||||||||||||||||||||||||||||||||||
income before income tax expense | 434,972,900,000 | 310,045,900,000 | 299,705,900,000 | 253,525,700,000 | 227,164,300,000 | 172,850,100,000 | 155,237,800,000 | 124,455,800,000 | 97,849,000,000 | 83,452,600,000 | 67,583,300,000 | 53,020,500,000 | 39,598,700,000 | 30,259,500,000 | 28,210,200,000 | 14,446,400,000 | 9,834,000,000 | 6,002,400,000 | ||||||||||||||||||||||||||
income tax expense | 88,098,800,000 | 59,045,000,000 | 76,503,700,000 | 68,059,600,000 | 59,272,400,000 | 55,739,700,000 | 54,456,800,000 | 44,857,800,000 | 35,934,700,000 | 30,954,000,000 | 24,576,700,000 | 18,503,100,000 | 13,242,300,000 | 10,168,600,000 | 9,749,800,000 | 4,822,300,000 | 3,304,000,000 | 1,779,000,000 | ||||||||||||||||||||||||||
net income before noncontrolling interest | 9,624,100,000 | |||||||||||||||||||||||||||||||||||||||||||
less: net income attributable to shareholders of noncontrolling interest | 8,315,100,000 | -205,000,000 | 398,100,000 | 178,000,000 | -49,700,000 | 136,200,000 | 153,900,000 | 131,200,000 | 108,000,000 | 60,500,000 | ||||||||||||||||||||||||||||||||||
net income attributable to hdfc bank limited | ||||||||||||||||||||||||||||||||||||||||||||
per share information: | ||||||||||||||||||||||||||||||||||||||||||||
earnings per equity share—basic | ||||||||||||||||||||||||||||||||||||||||||||
earnings per equity share—diluted | ||||||||||||||||||||||||||||||||||||||||||||
per ads information | ||||||||||||||||||||||||||||||||||||||||||||
earnings per ads—basic | ||||||||||||||||||||||||||||||||||||||||||||
earnings per ads—diluted | ||||||||||||||||||||||||||||||||||||||||||||
derivatives (loss) | -736,400,000 | |||||||||||||||||||||||||||||||||||||||||||
benefit from credit losses | 53,782,800,000 | 36,854,300,000 | 32,217,800,000 | 18,735,200,000 | 11,564,100,000 | 7,332,500,000 | 8,887,300,000 | 7,436,100,000 | 6,897,500,000 | 3,902,700,000 | 14,318,900,000 | 6,824,800,000 | 4,073,200,000 | |||||||||||||||||||||||||||||||
net interest revenue after benefit from credit losses | 228,412,200,000 | 200,847,300,000 | 168,579,500,000 | 149,476,400,000 | 126,578,300,000 | 105,825,600,000 | 81,485,100,000 | 67,050,600,000 | 52,525,600,000 | 45,551,900,000 | 23,202,900,000 | 27,641,200,000 | 12,211,700,000 | |||||||||||||||||||||||||||||||
trading securities gain/(loss) | 689,800,000 | 61,800,000 | 64,800,000 | 227,200,000 | 1,568,600,000 | 218,000,000 | -781,900,000 | 83,300,000 | -463,700,000 | |||||||||||||||||||||||||||||||||||
realized gain/(loss) on sales of available for sale debt securities | 4,436,300,000 | |||||||||||||||||||||||||||||||||||||||||||
other than temporary impairment losses on available for sale debt securities | -2,000,000 | |||||||||||||||||||||||||||||||||||||||||||
derivatives gain/(loss) | 238,700,000 | 17,464,200,000 | 8,833,800,000 | -7,736,800,000 | 8,779,900,000 | -774,100,000 | 4,575,500,000 | 110,800,000 | -3,491,500,000 | |||||||||||||||||||||||||||||||||||
available for sale securities | 92,277,100,000 | 76,137,500,000 | 73,661,500,000 | 64,867,600,000 | 44,038,000,000 | 38,460,800,000 | 33,188,100,000 | 26,452,400,000 | 18,442,800,000 | 17,412,500,000 | ||||||||||||||||||||||||||||||||||
realized gain/(loss) on sales of available for sale securities | 846,000,000 | 7,778,800,000 | 3,682,400,000 | 833,500,000 | 244,200,000 | 1,891,800,000 | 446,500,000 | -193,300,000 | 415,100,000 | |||||||||||||||||||||||||||||||||||
other than temporary impairment losses on available for sale securities | -1,074,000,000 | -139,300,000 | -1,300,000 | -1,800,000 | -1,504,200,000 | -487,900,000 | -49,300,000 | |||||||||||||||||||||||||||||||||||||
dividends declared per equity share | ||||||||||||||||||||||||||||||||||||||||||||
less: net income attributable to noncontrolling interest | 30,100,000 | 5,800,000 | 130,800,000 | 82,100,000 | ||||||||||||||||||||||||||||||||||||||||
net income attributable to shareholders of hdfc bank limited | ||||||||||||||||||||||||||||||||||||||||||||
trading securities gains/(loss) | -675,900,000 | |||||||||||||||||||||||||||||||||||||||||||
derivatives | -3,984,500,000 | |||||||||||||||||||||||||||||||||||||||||||
less:net income attributable to noncontrolling interest | 157,900,000 | |||||||||||||||||||||||||||||||||||||||||||
trading securities gains | 133,000,000 | -76,400,000 | 18,000,000 | |||||||||||||||||||||||||||||||||||||||||
realized gains on sales of available for sale securities | 4,304,800,000 | -319,900,000 | ||||||||||||||||||||||||||||||||||||||||||
foreign exchange transaction gains | 3,439,500,000 | 1,345,600,000 | 1,145,600,000 | |||||||||||||||||||||||||||||||||||||||||
derivative transaction gains | 1,251,600,000 | -231,000,000 | -527,600,000 | |||||||||||||||||||||||||||||||||||||||||
net income attributable to noncontrolling interest | 158,400,000 | |||||||||||||||||||||||||||||||||||||||||||
net income | ||||||||||||||||||||||||||||||||||||||||||||
yoy | ||||||||||||||||||||||||||||||||||||||||||||
qoq | ||||||||||||||||||||||||||||||||||||||||||||
net income margin % | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | 0% | NaN% | NaN% | NaN% | NaN% | NaN% | NaN% | ||||
available for sale securities, including dividend | 16,931,700,000 | |||||||||||||||||||||||||||||||||||||||||||
long term debt | 1,347,000,000 | |||||||||||||||||||||||||||||||||||||||||||
amortisation of intangible assets | 1,369,300,000 | |||||||||||||||||||||||||||||||||||||||||||
net income before minority interest | 6,530,000,000 | 4,223,400,000 | ||||||||||||||||||||||||||||||||||||||||||
minority interest | 39,700,000 | 24,300,000 | ||||||||||||||||||||||||||||||||||||||||||
available for sale securities, including dividend income | 9,540,900,000 | |||||||||||||||||||||||||||||||||||||||||||
total interest revenue | 31,492,000,000 | |||||||||||||||||||||||||||||||||||||||||||
debt | 835,200,000 | |||||||||||||||||||||||||||||||||||||||||||
realized gain (losses) on sales of available for sale securities | -635,600,000 | |||||||||||||||||||||||||||||||||||||||||||
interest revenue, net: | ||||||||||||||||||||||||||||||||||||||||||||
total interest revenue and dividend revenue | ||||||||||||||||||||||||||||||||||||||||||||
allowance for credit losses | 1,098,300,000 | |||||||||||||||||||||||||||||||||||||||||||
net interest revenue after allowance for credit losses | 6,279,300,000 | |||||||||||||||||||||||||||||||||||||||||||
trading account gains / (losses) | -3,400,000 | |||||||||||||||||||||||||||||||||||||||||||
realized gains/ (losses) on sales of afs securities | -89,100,000 | |||||||||||||||||||||||||||||||||||||||||||
derivative transactions | 47,600,000 | 248,200,000 | ||||||||||||||||||||||||||||||||||||||||||
net revenue | 9,887,800,000 | |||||||||||||||||||||||||||||||||||||||||||
non-interest expenses: | ||||||||||||||||||||||||||||||||||||||||||||
total non-interest expenses | 5,055,600,000 | |||||||||||||||||||||||||||||||||||||||||||
income before income tax | 4,832,200,000 | |||||||||||||||||||||||||||||||||||||||||||
income tax | 1,652,700,000 | 804,900,000 | ||||||||||||||||||||||||||||||||||||||||||
earnings per equity share — basic | ||||||||||||||||||||||||||||||||||||||||||||
earnings per equity share — diluted | ||||||||||||||||||||||||||||||||||||||||||||
earnings per ads (where each ads represents three equity shares) — basic | ||||||||||||||||||||||||||||||||||||||||||||
earnings per ads — diluted | ||||||||||||||||||||||||||||||||||||||||||||
net cash provided by/(used) in operating activities | ||||||||||||||||||||||||||||||||||||||||||||
cash flows from investing activities: | ||||||||||||||||||||||||||||||||||||||||||||
net change in term placements | 511.3 | |||||||||||||||||||||||||||||||||||||||||||
net change in securities | -508.3 | |||||||||||||||||||||||||||||||||||||||||||
net change in repos and reverse repos | 4,699 | |||||||||||||||||||||||||||||||||||||||||||
proceeds from loans securitized | 17,581.1 | |||||||||||||||||||||||||||||||||||||||||||
increase in loans originated, net of principal collections | -51,358.1 | |||||||||||||||||||||||||||||||||||||||||||
additions to property and equipment | -1,152.1 | |||||||||||||||||||||||||||||||||||||||||||
proceeds from sale or disposal of property and equipment | 6.5 | |||||||||||||||||||||||||||||||||||||||||||
net cash from investing activities | -30,220.6 | |||||||||||||||||||||||||||||||||||||||||||
cash flows from financing activities: | ||||||||||||||||||||||||||||||||||||||||||||
net increase in deposits | 30,595.9 | |||||||||||||||||||||||||||||||||||||||||||
net increase/ (decrease) in short-term borrowings | 6,637.8 | |||||||||||||||||||||||||||||||||||||||||||
repayment of long-term debt | -1,042.7 | |||||||||||||||||||||||||||||||||||||||||||
proceeds from issuance of equity shares and adss | 493.7 | |||||||||||||||||||||||||||||||||||||||||||
proceeds from applications received for shares pending allotment | 64.9 | |||||||||||||||||||||||||||||||||||||||||||
payment of dividends and dividend tax | -1,131.4 | |||||||||||||||||||||||||||||||||||||||||||
net cash from financing activities | 35,618.2 | |||||||||||||||||||||||||||||||||||||||||||
net change in cash | -13,322.2 | |||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents, beginning of the period | 33,010.4 | |||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents, end of period | ||||||||||||||||||||||||||||||||||||||||||||
supplementary cash flow information: | ||||||||||||||||||||||||||||||||||||||||||||
interest paid | ||||||||||||||||||||||||||||||||||||||||||||
income taxes paid | ||||||||||||||||||||||||||||||||||||||||||||
net cash provided/(used) by operating activities | ||||||||||||||||||||||||||||||||||||||||||||
proceeds from exercise of stock options | ||||||||||||||||||||||||||||||||||||||||||||
net change in cash flows | ||||||||||||||||||||||||||||||||||||||||||||
interest revenue, net: total interest revenue | ||||||||||||||||||||||||||||||||||||||||||||
non-interest revenue, net: fees and commissions | 1,109,500,000 | |||||||||||||||||||||||||||||||||||||||||||
realized gains and losses on sales of securities | 469,800,000 | |||||||||||||||||||||||||||||||||||||||||||
non-interest expenses: salaries and staff benefits | 721,700,000 | |||||||||||||||||||||||||||||||||||||||||||
depreciation and amortization of intangible assets | 464,600,000 | |||||||||||||||||||||||||||||||||||||||||||
per share information: earnings per equity share — basic | ||||||||||||||||||||||||||||||||||||||||||||
proceeds from issuance of adss |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2025-07-14 | 2025-03-31 | 2024-08-21 | 2024-03-31 | 2024-01-16 | 2023-06-29 | 2023-03-31 | 2022-07-29 | 2022-03-31 | 2021-07-26 | 2021-03-31 | 2020-03-31 | 2019-03-31 | 2018-03-31 | 2017-03-31 | 2016-03-31 | 2015-03-31 | 2014-03-31 | 2013-03-31 | 2012-03-31 | 2011-03-31 | 2010-03-31 | 2009-03-31 | 2008-03-31 | 2007-03-31 | 2006-03-31 | 2005-03-31 | 2004-03-31 | 2003-03-31 | 2002-03-31 | 2000-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets: | |||||||||||||||||||||||||||||||
cash and due from banks, and restricted cash | |||||||||||||||||||||||||||||||
investments held for trading, at fair value | 461,245,300,000 | 625,388,500,000 | 135,831,100,000 | 461,245,300,000 | 53,199,500,000 | 135,831,100,000 | 99,620,200,000 | 53,199,500,000 | 304,962,900,000 | 99,620,200,000 | 304,962,900,000 | 265,516,100,000 | 167,513,900,000 | 35,363,700,000 | 71,860,900,000 | 61,292,800,000 | 65,077,900,000 | 87,383,500,000 | 77,043,400,000 | 38,216,900,000 | 28,158,800,000 | 35,386,200,000 | 113,557,800,000 | 4,284,100,000 | 2,945,600,000 | ||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,792,147.6 and rs. 2,969,094.3 (us 35,447.6), as of march 31, 2024 and september 30, 2024, respectively] | 8,295,487,100,000 | ||||||||||||||||||||||||||||||
securities purchased under agreements to resell | 34,178,300,000 | 349,210,700,000 | 455,275,400,000 | 34,178,300,000 | 373,053,300,000 | 455,275,400,000 | 270,060,000,000 | 373,053,300,000 | 250,000,000,000 | 270,060,000,000 | 250,000,000,000 | 76,213,500,000 | 650,018,600,000 | 50,000,000,000 | 1,019,900,000 | 1,592,600,000 | 57,322,600,000 | 67,000,000,000 | 20,868,300,000 | 20,000,000,000 | 25,497,200,000 | 2,405,700,000 | 4,200,000,000 | ||||||||
loans [net of allowance of rs. 457,346.5 and rs. 493,269.8 (us 5,889.1), as of march 31, 2024 and september 30, 2024, respectively] | 26,335,700,900,000 | ||||||||||||||||||||||||||||||
accrued interest receivable | 249,644,500,000 | 322,788,900,000 | 186,091,200,000 | 249,644,500,000 | 134,467,700,000 | 186,091,200,000 | 118,762,900,000 | 134,467,700,000 | 103,035,900,000 | 118,762,900,000 | 103,035,900,000 | 93,031,700,000 | 77,894,700,000 | 67,356,600,000 | 58,276,400,000 | 45,705,000,000 | 40,388,500,000 | 34,370,900,000 | 26,645,500,000 | 19,752,600,000 | 13,767,300,000 | 13,251,900,000 | 11,297,700,000 | 15,742,900,000 | 8,662,700,000 | 4,912,100,000 | |||||
property and equipment | 147,030,400,000 | 172,437,900,000 | 87,569,700,000 | 147,030,400,000 | 65,826,400,000 | 87,569,700,000 | 53,094,400,000 | 65,826,400,000 | 48,327,700,000 | 53,094,400,000 | 48,327,700,000 | 43,187,800,000 | 38,968,100,000 | 38,969,300,000 | 35,679,700,000 | 33,355,900,000 | 31,369,100,000 | 28,978,400,000 | 24,960,900,000 | 22,881,200,000 | 22,302,800,000 | 20,649,400,000 | 13,961,500,000 | 10,397,600,000 | 8,714,600,000 | 7,083,200,000 | |||||
intangible assets | 1,396,117,200,000 | 1,370,880,000,000 | 1,396,117,200,000 | 1,000,000 | 2,000,000 | 5,000,000 | 12,000,000 | 231,000,000 | 1,769,500,000 | 4,074,000,000 | 6,402,900,000 | 8,961,500,000 | 12,731,000,000 | ||||||||||||||||||
goodwill | 1,629,510,300,000 | 1,629,510,300,000 | 74,937,900,000 | 1,629,510,300,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | 74,937,900,000 | |||||||||
other assets | 2,528,211,300,000 | 2,705,087,500,000 | 1,496,751,600,000 | 2,528,211,300,000 | 864,754,300,000 | 1,496,751,600,000 | 456,972,800,000 | 864,754,300,000 | 737,352,100,000 | 456,972,800,000 | 737,352,100,000 | 395,733,000,000 | 157,564,900,000 | 216,774,500,000 | 154,213,300,000 | 130,478,000,000 | 214,291,000,000 | 135,836,900,000 | 191,031,500,000 | 115,532,400,000 | 114,088,100,000 | 137,992,300,000 | 79,286,500,000 | 48,427,100,000 | 26,277,200,000 | 9,125,300,000 | 20,516,500,000 | 14,501,100,000 | |||
separate account assets | 955,416,300,000 | 1,016,281,400,000 | 955,416,300,000 | ||||||||||||||||||||||||||||
total assets | |||||||||||||||||||||||||||||||
liabilities and shareholders’ equity: | |||||||||||||||||||||||||||||||
liabilities: | |||||||||||||||||||||||||||||||
interest-bearing deposits | 215,710,800,000 | ||||||||||||||||||||||||||||||
non-interest-bearing deposits | 3,079,829,400,000 | 3,116,596,700,000 | 2,729,176,300,000 | 3,079,829,400,000 | 2,382,052,200,000 | 2,729,176,300,000 | 2,110,762,400,000 | 2,382,052,200,000 | 1,731,590,000,000 | 2,110,762,400,000 | 1,731,590,000,000 | 1,420,309,400,000 | 1,190,102,200,000 | 1,153,678,900,000 | 882,445,800,000 | 733,032,000,000 | 612,845,600,000 | 522,271,900,000 | 452,991,700,000 | 462,845,400,000 | 371,354,300,000 | 284,006,700,000 | 287,263,200,000 | 197,805,100,000 | 147,124,200,000 | ||||||
total deposits | 23,768,235,600,000 | 27,110,953,900,000 | 18,826,635,600,000 | 23,768,235,600,000 | 15,580,031,900,000 | 18,826,635,600,000 | 13,337,230,200,000 | 15,580,031,900,000 | 11,462,071,300,000 | 13,337,230,200,000 | 11,462,071,300,000 | 9,225,026,900,000 | 7,883,751,500,000 | 6,431,322,900,000 | 5,457,860,300,000 | 4,501,710,800,000 | 3,670,000,100,000 | 2,960,533,900,000 | 2,465,049,600,000 | 2,082,129,000,000 | 1,672,400,300,000 | 1,426,288,600,000 | 1,005,910,100,000 | 682,348,000,000 | 557,305,400,000 | 363,542,500,000 | 304,062,000,000 | 84,277,200,000 | |||
securities sold under repurchase agreements | 56,541,000,000 | 129,190,000,000 | 56,541,000,000 | 151,844,900,000 | 356,059,200,000 | 151,844,900,000 | 507,982,000,000 | 356,059,200,000 | 507,982,000,000 | 174,000,000,000 | 138,000,000,000 | 306,060,000,000 | 50,000,000,000 | 205,000,000,000 | 70,000,000,000 | 60,000,000,000 | 44,000,000,000 | 10,500,000,000 | 4,600,000,000 | ||||||||||||
short-term borrowings | 1,313,737,100,000 | 1,306,013,100,000 | 1,089,897,500,000 | 1,313,737,100,000 | 554,167,600,000 | 1,089,897,500,000 | 239,264,100,000 | 554,167,600,000 | 377,417,600,000 | 239,264,100,000 | 377,417,600,000 | 654,058,000,000 | 779,201,700,000 | 322,265,600,000 | 253,562,400,000 | 214,191,900,000 | 150,775,500,000 | 145,617,200,000 | 112,642,800,000 | 76,686,700,000 | 98,165,000,000 | 27,237,000,000 | 129,477,600,000 | 95,472,400,000 | 75,676,700,000 | 62,079,100,000 | 24,064,200,000 | 21,579,600,000 | 22,244,200,000 | 15,734,700,000 | |
accrued interest payable | 238,638,800,000 | 258,311,800,000 | 112,463,200,000 | 238,638,800,000 | 82,412,800,000 | 112,463,200,000 | 77,969,100,000 | 82,412,800,000 | 80,078,900,000 | 77,969,100,000 | 80,078,900,000 | 79,372,500,000 | 65,514,400,000 | 44,487,600,000 | 41,184,300,000 | 32,689,500,000 | 27,734,700,000 | 58,135,200,000 | 51,935,900,000 | 27,746,000,000 | 19,964,200,000 | 33,225,300,000 | 16,742,300,000 | 17,035,700,000 | 8,264,100,000 | 5,843,000,000 | |||||
long-term debt | 6,648,772,000,000 | 5,866,163,200,000 | 2,054,436,400,000 | 6,648,772,000,000 | 1,554,333,400,000 | 2,054,436,400,000 | 1,174,758,200,000 | 1,554,333,400,000 | 1,026,518,300,000 | 1,174,758,200,000 | 1,026,518,300,000 | 1,044,553,000,000 | 932,906,300,000 | 730,920,700,000 | 522,313,500,000 | 457,934,400,000 | 395,208,600,000 | 295,219,700,000 | 178,366,600,000 | 93,287,200,000 | 75,854,400,000 | 67,598,800,000 | 32,685,100,000 | 33,601,500,000 | 17,028,600,000 | 5,028,100,000 | 6,086,000,000 | 2,116,000,000 | 2,157,900,000 | 1,720,000,000 | |
accrued expenses and other liabilities | 1,295,002,800,000 | 1,457,948,600,000 | 754,353,400,000 | 1,295,002,800,000 | 681,461,500,000 | 754,353,400,000 | 631,096,400,000 | 681,461,500,000 | 611,327,200,000 | 631,096,400,000 | 611,327,200,000 | 467,438,600,000 | 391,441,600,000 | 510,082,600,000 | 284,947,600,000 | 250,921,600,000 | 348,687,700,000 | 236,022,200,000 | 296,568,100,000 | 232,557,600,000 | 243,682,300,000 | 216,342,000,000 | 159,466,500,000 | 108,398,600,000 | 77,201,800,000 | 43,623,500,000 | 33,672,000,000 | 20,031,100,000 | |||
separate account liabilities | 955,416,300,000 | 1,016,281,400,000 | 955,416,300,000 | ||||||||||||||||||||||||||||
liabilities on policies in force | 1,763,979,100,000 | 2,180,964,300,000 | 1,763,979,100,000 | ||||||||||||||||||||||||||||
undistributed policy holders earnings account | 192,067,500,000 | 238,953,800,000 | 192,067,500,000 | ||||||||||||||||||||||||||||
total liabilities | 2,110,066,200,000 | 1,770,691,700,000 | 1,388,281,600,000 | 947,356,200,000 | 735,476,600,000 | 480,116,200,000 | 395,619,800,000 | 111,224,400,000 | |||||||||||||||||||||||
shareholders’ equity: | |||||||||||||||||||||||||||||||
equity shares: par value rs. 1.0 each; authorized 11,906,100,000 shares and 11,906,100,000 shares; issued and outstanding 7,596,910,662 shares and 7,630,778,309 shares, as of march 31, 2024 and september 30, 2024, respectively | |||||||||||||||||||||||||||||||
additional paid-in capital | 4,344,576,800,000 | 4,436,065,700,000 | 883,371,900,000 | 4,344,576,800,000 | 834,615,200,000 | 883,371,900,000 | 794,220,300,000 | 834,615,200,000 | 765,888,600,000 | 794,220,300,000 | 765,888,600,000 | 739,763,600,000 | 476,570,400,000 | 442,721,800,000 | 412,264,500,000 | 387,486,100,000 | 271,709,600,000 | 259,966,300,000 | 244,564,700,000 | 235,377,900,000 | |||||||||||
retained earnings | 1,746,416,900,000 | 2,099,097,200,000 | 1,447,784,100,000 | 1,746,416,900,000 | 1,153,191,100,000 | 1,447,784,100,000 | 897,873,700,000 | 1,153,191,100,000 | 713,340,600,000 | 897,873,700,000 | 713,340,600,000 | 587,235,200,000 | 462,876,200,000 | 364,471,900,000 | 290,542,400,000 | 228,804,400,000 | 175,105,900,000 | 132,773,300,000 | 99,761,600,000 | 71,946,100,000 | 47,059,100,000 | 34,845,900,000 | 31,065,700,000 | 24,503,300,000 | 18,284,600,000 | 12,871,600,000 | 6,532,100,000 | 4,684,800,000 | |||
statutory reserve | 881,143,200,000 | 1,053,746,200,000 | 643,738,700,000 | 881,143,200,000 | 529,279,100,000 | 643,738,700,000 | 434,835,300,000 | 529,279,100,000 | 356,038,300,000 | 434,835,300,000 | 356,038,300,000 | 288,321,100,000 | 233,323,500,000 | 187,703,200,000 | 149,931,600,000 | 118,122,200,000 | 91,883,500,000 | 70,269,000,000 | 53,248,300,000 | 40,228,000,000 | 30,359,000,000 | 22,987,300,000 | 15,193,700,000 | 11,218,200,000 | 8,364,600,000 | 6,187,600,000 | 3,249,900,000 | 2,280,900,000 | |||
accumulated other comprehensive income | -15,540,400,000 | 97,194,100,000 | -68,273,700,000 | -15,540,400,000 | -17,792,500,000 | -68,273,700,000 | 27,186,300,000 | -17,792,500,000 | 52,331,600,000 | 27,186,300,000 | 52,331,600,000 | 11,808,800,000 | -3,796,700,000 | 26,031,600,000 | 11,515,300,000 | 10,826,400,000 | -11,590,400,000 | 485,400,000 | -7,212,800,000 | -5,712,500,000 | -198,700,000 | 8,522,300,000 | -1,233,900,000 | -1,299,300,000 | 1,033,700,000 | 1,688,700,000 | 824,000,000 | ||||
treasury stock | -16,866,000,000 | -16,864,000,000 | -16,866,000,000 | ||||||||||||||||||||||||||||
total hdfc bank limited shareholders’ equity | 6,947,327,400,000 | 7,676,891,400,000 | 2,912,200,700,000 | 6,947,327,400,000 | 2,504,838,400,000 | 2,912,200,700,000 | 2,159,628,400,000 | 2,504,838,400,000 | 1,893,082,400,000 | 2,159,628,400,000 | 1,893,082,400,000 | 1,632,575,300,000 | 1,174,163,600,000 | 1,026,053,600,000 | 869,310,200,000 | 750,252,100,000 | 531,906,700,000 | 468,474,300,000 | 395,055,200,000 | 346,491,700,000 | 305,581,700,000 | 249,497,000,000 | |||||||||
noncontrolling interest in subsidiaries | 938,855,400,000 | 945,999,600,000 | 5,637,200,000 | 938,855,400,000 | 4,615,000,000 | 5,637,200,000 | 3,776,400,000 | 4,615,000,000 | 3,411,400,000 | 3,776,400,000 | 3,411,400,000 | 3,049,300,000 | 2,329,700,000 | 1,847,500,000 | 1,485,000,000 | 1,315,500,000 | 1,094,000,000 | 1,903,600,000 | 1,537,500,000 | 1,338,100,000 | 872,500,000 | 556,100,000 | |||||||||
total shareholders’ equity | 7,886,182,800,000 | 8,622,891,000,000 | 2,917,837,900,000 | 7,886,182,800,000 | 2,509,453,400,000 | 2,917,837,900,000 | 2,163,404,800,000 | 2,509,453,400,000 | 1,896,493,800,000 | 2,163,404,800,000 | 1,896,493,800,000 | 1,635,624,600,000 | 1,176,493,300,000 | 1,027,901,100,000 | 870,795,200,000 | 751,567,600,000 | 533,000,700,000 | 470,377,900,000 | 396,592,700,000 | 347,829,800,000 | 306,454,200,000 | 250,053,100,000 | 119,245,300,000 | 65,508,100,000 | 55,267,500,000 | 49,338,000,000 | 31,215,800,000 | ||||
total liabilities and shareholders’ equity | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,792,147.6 and rs. 3,936,248.0 (us 46,075.7), as of march 31, 2024 and march 31, 2025, respectively] | 9,910,174,300,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 457,346.5 and rs. 535,829.3 (us 6,272.1), as of march 31, 2024 and march 31, 2025, respectively] | 28,102,981,800,000 | ||||||||||||||||||||||||||||||
commitments and contingencies | |||||||||||||||||||||||||||||||
equity shares: par value rs. 1.0 each; authorized 11,906,100,000 shares and 11,906,100,000 shares; issued and outstanding 7,596,910,662 shares and 7,652,221,674 shares, as of march 31, 2024 and march 31, 2025, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 2,070,953.6 and rs. 3,274,041.4 (us 39,408.3), as of march 31, 2023 and september 30, 2023, respectively] | 4,878,844,000,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 365,164.5 and rs. 443,825.1 (us 5,342.1), as of march 31, 2023 and september 30, 2023, respectively] | 17,052,927,899,999.998 | ||||||||||||||||||||||||||||||
equity shares: par value rs. 1.0 each; authorized 6,500,000,000 shares and 11,906,100,000 shares; issued and outstanding 5,579,742,786 shares and 7,581,816,038 shares, as of march 31, 2023 and september 30, 2023, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 2,070,953.6 and rs. 1,792,147.6 (us 21,504.1), as of march 31, 2023 and march 31, 2024, respectively] | 8,295,487,100,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 365,164.5 and rs. 457,346.5 (us 5,487.7), as of march 31, 2023 and march 31, 2024, respectively] | 26,335,700,900,000 | ||||||||||||||||||||||||||||||
equity shares: par value rs. 1.0 each; authorized 6,500,000,000 shares and 11,906,100,000 shares; issued and outstanding 5,579,742,786 shares and 7,596,910,662 shares, as of march 31, 2023 and march 31, 2024, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,648,213.8 and rs. 2,000,135.6 (us 24,580.7), as of march 31, 2022 and september 30, 2022, respectively] | 4,388,563,100,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 372,671.8 and rs. 380,426.6 (us 4,675.2), as of march 31, 2022 and september 30, 2022, respectively] | 14,036,872,200,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,545,540,976 shares and 5,569,959,026 shares, as of march 31, 2022 and september 30, 2022, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,648,213.8 and rs. 2,070,953.6 (us 25,197.1), as of march 31, 2022 and march 31, 2023, respectively] | 4,878,844,000,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 372,671.8 and rs. 365,164.5 (us 4,443.0), as of march 31, 2022 and march 31, 2023, respectively] | 17,052,927,899,999.998 | ||||||||||||||||||||||||||||||
equity shares: par value rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,545,540,976 shares and 5,579,742,786 shares, as of march 31, 2022 and march 31, 2023, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,694,645.4 and rs. 1,572,327.2 (us 21,201.8), as of march 31, 2021 and september 30, 2021, respectively] | 4,275,449,900,000.001 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 343,528.7 and rs. 338,727.8 (us 4,567.5), as of march 31, 2021 and september 30, 2021, respectively] | 11,700,189,200,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,512,776,482 shares and 5,537,451,890 shares, as of march 31, 2021 and september 30, 2021, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,694,645.4 and rs. 1,648,213.8 (us 21,724.2), as of march 31, 2021 and march 31, 2022, respectively] | 4,388,563,100,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 343,528.7 and rs. 372,671.8 (us 4,911.9), as of march 31, 2021 and march 31, 2022, respectively] | 14,036,872,200,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,512,776,482 shares and 5,545,540,976 shares, as of march 31, 2021 and march 31, 2022, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,760,859.1 and rs. 1,729,988.7 (us 23,524.5), as of march 31, 2020 and september 30, 2020, respectively] | 3,406,289,200,000 | 3,406,289,200,000 | |||||||||||||||||||||||||||||
loans [net of allowance of rs. 198,833.2 and rs. 309,224.6 (us 4,204.8), as of march 31, 2020 and september 30, 2020, respectively] | 10,425,022,400,000 | 10,425,022,400,000 | |||||||||||||||||||||||||||||
equity shares: par value—rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,483,286,460 shares and 5,503,704,156 shares, as of march 31, 2020 and september 30, 2020, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,760,859.1 and rs. 1,694,645.4 (us 23,169.9), as of march 31, 2020 and march 31, 2021, respectively] | 4,275,449,900,000.001 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 198,833.2 and rs. 343,528.7 (us 4,696.9), as of march 31, 2020 and march 31, 2021, respectively] | 11,700,189,200,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,483,286,460 shares and 5,512,776,482 shares, as of march 31, 2020 and march 31, 2021, respectively | |||||||||||||||||||||||||||||||
investments available for sale debt securities, at fair value [includes restricted investments of rs. 1,354,027.6 and rs.1,634,673.3 (us 23,636.1), as of march 31, 2018 and march 31, 2019, respectively] | 2,633,348,400,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 112,507.2 and rs. 148,232.0 (us 2,143.4), as of march 31, 2018 and march 31, 2019, respectively] | 8,963,232,600,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 3,250,000,000 shares and 3,250,000,000 shares; issued and outstanding 2,595,090,267 shares and 2,723,306,610 shares, as of march 31, 2018 and march 31, 2019, respectively | |||||||||||||||||||||||||||||||
cash and cash equivalents | 16,181,900,000 | ||||||||||||||||||||||||||||||
term placements | 139,875,900,000 | 131,069,500,000 | 148,899,800,000 | 169,989,500,000 | 176,481,700,000 | 199,265,700,000 | 150,096,500,000 | 102,049,400,000 | 58,166,300,000 | 34,473,200,000 | 5,917,600,000 | 12,815,800,000 | 10,243,700,000 | 8,699,600,000 | 3,565,200,000 | 7,747,400,000 | |||||||||||||||
investments available for sale, at fair value [includes restricted investments of rs. 1,200,857.2 and rs. 1,354,027.6 (us 20,796.0), as of march 31, 2017 and march 31, 2018, respectively] | 2,222,711,000,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 78,496.9 and rs. 112,507.2 (us 1,728.0), as of march 31, 2017 and march 31, 2018, respectively] | 7,263,671,800,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 3,250,000,000 shares and 3,250,000,000 shares; issued and outstanding 2,562,545,717 shares and 2,595,090,267 shares, as of march 31, 2017 and march 31, 2018, respectively | |||||||||||||||||||||||||||||||
investments available for sale, at fair value [includes restricted investments of rs. 656,516.4 and rs. 1,200,857.2 (us 18,517.5), as of march 31, 2016 and march 31, 2017, respectively] | 2,111,385,600,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 57,360.1 and rs. 78,496.9 (us 1,210.5), as of march 31, 2016 and march 31, 2017, respectively] | 5,910,412,800,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 2,750,000,000 shares and 3,250,000,000 shares; issued and outstanding 2,528,186,517 shares and 2,562,545,717 shares, as of march 31, 2016 and march 31, 2017, respectively | |||||||||||||||||||||||||||||||
investments available for sale, at fair value [includes restricted investments of rs. 721,933.3 and rs. 656,516.4 (us 9,909.7), as of march 31, 2015 and march 31, 2016, respectively] | 1,878,684,400,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 47,334.1 and rs. 57,360.1 (us 865.8), as of march 31, 2015 and march 31, 2016, respectively] | 4,935,474,300,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,506,495,317 shares and 2,528,186,517 shares, as of march 31, 2015 and march 31, 2016, respectively | |||||||||||||||||||||||||||||||
investments available for sale, at fair value [includes restricted investments of rs. 670,603.5 and rs. 721,933.3 (us 11,586.2), respectively] | 1,504,412,800,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 42,613.2 and rs. 47,334.1 (us 759.6), respectively] | 3,896,115,000,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,399,050,435 shares and 2,506,495,317 shares, as of march 31, 2014 and march 31, 2015, respectively | |||||||||||||||||||||||||||||||
investments available for sale, at fair value [includes restricted investments of rs. 805,912.3 and rs. 670,603.5 (us 11,176.7), respectively] | 908,824,300,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 33,694.2 and rs. 42,613.2 (us 710.3), respectively] | 3,185,648,100,000 | ||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,379,419,030 shares and 2,399,050,435 shares, as of march 31, 2013 and march 31, 2014, respectively | |||||||||||||||||||||||||||||||
advance received pending allotment of shares | 221,500,000 | 423,300,000 | 146,500,000 | ||||||||||||||||||||||||||||
investments available for sale, at fair value | 1,018,071,500,000 | 807,080,400,000 | 628,704,900,000 | 481,398,800,000 | 508,106,300,000 | 419,008,800,000 | 273,457,000,000 | ||||||||||||||||||||||||
loans | 2,504,551,600,000 | 2,006,374,300,000 | 1,622,856,000,000 | 1,297,180,400,000 | 986,495,000,000 | 715,345,300,000 | 395,274,300,000 | 256,486,900,000 | 118,299,900,000 | 71,528,900,000 | |||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,346,688,270 shares and 2,379,419,030 shares, as of march 31, 2012 and march 31, 2013, respectively | |||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,326,128,420 shares and 2,346,688,270 shares, as of march 31, 2011 and march 31, 2012, respectively | |||||||||||||||||||||||||||||||
equity shares: par value—rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,288,716,360 shares and 2,326,128,420 shares, as of march 31, 2010 and march 31, 2011, respectively | |||||||||||||||||||||||||||||||
equity shares: par value—rs. 10 each; authorized 550,000,000 shares and 550,000,000 shares; issued and outstanding 457,743,272 shares and 462,604,850 shares, respectively | 4,577,400,000 | ||||||||||||||||||||||||||||||
additional paid in capital | 223,784,900,000 | 178,887,700,000 | 70,675,500,000 | 30,226,600,000 | 26,805,700,000 | 25,789,200,000 | 11,758,900,000 | 11,679,100,000 | |||||||||||||||||||||||
equity shares: par value—rs.10 each; authorized 550,000,000 shares and 550,000,000 shares; issued and outstanding 425,384,109 and 427,357,524 shares respectively | 4,253,800,000 | ||||||||||||||||||||||||||||||
minority interest | 462,000,000 | 321,600,000 | 225,300,000 | ||||||||||||||||||||||||||||
equity shares: par value—rs. 10 each; authorized 450,000,000 shares and 550,000,000 shares; issued and outstanding 319,389,608 shares and 354,432,920 shares, respectively | 3,544,300,000 | ||||||||||||||||||||||||||||||
investments available for sale, at fair value [includes restricted investments of rs. 119,824.7 and rs. 176,525.8 (us 4,440.9) respectively] | 304,241,100,000 | ||||||||||||||||||||||||||||||
loans [net of allowance of rs. 8,014.5 and rs. 10,291.3 (us 258.9) respectively; includes rs. 68,094.0 and rs. 15,000.0 (us 377.4) respectively for assets pledged as collateral for borrowings and are therefore restricted] | 536,730,900,000 | ||||||||||||||||||||||||||||||
liabilities | |||||||||||||||||||||||||||||||
commitment and contingencies | |||||||||||||||||||||||||||||||
equity shares: par value—rs.10 each; authorized 450,000,000 shares; issued and outstanding 319,389,608 and 353,451,920 shares respectively | 3,193,900,000 | ||||||||||||||||||||||||||||||
accumulated other comprehensive loss | -3,633,900,000 | ||||||||||||||||||||||||||||||
contingencies | |||||||||||||||||||||||||||||||
equity shares: par value—rs. 10 each; authorized 450,000,000 shares; issued and outstanding 309,875,308 shares and 313,142,408 shares, respectively | 3,131,400,000 | ||||||||||||||||||||||||||||||
deferred stock-based compensation | -19,500,000 | ||||||||||||||||||||||||||||||
investments held for trading, at market | 1,278,500,000 | ||||||||||||||||||||||||||||||
investments available for sale, at market | 204,292,800,000 | ||||||||||||||||||||||||||||||
investments held to maturity, at amortized cost | |||||||||||||||||||||||||||||||
non-interest bearing deposits | 106,304,600,000 | 88,351,200,000 | 49,509,600,000 | 42,201,800,000 | |||||||||||||||||||||||||||
equity shares: par value—rs.10 each; authorized 450,000,000 shares; issued and outstanding 282,844,438 shares and 309,875,308 shares, respectively | 3,098,700,000 | ||||||||||||||||||||||||||||||
deferred stock based compensation | -66,100,000 | -60,200,000 | -198,200,000 | ||||||||||||||||||||||||||||
selected income statement data: | |||||||||||||||||||||||||||||||
interest and dividend revenue | |||||||||||||||||||||||||||||||
interest expense | 11,983,100,000 | 3,765,100,000 | |||||||||||||||||||||||||||||
net interest revenue | 12,608,400,000 | 3,047,400,000 | |||||||||||||||||||||||||||||
provisions for credit losses | 2,343,400,000 | ||||||||||||||||||||||||||||||
net interest revenue after provisions for credit losses | 10,265,000,000 | ||||||||||||||||||||||||||||||
non-interest revenue | 4,697,600,000 | 1,082,000,000 | |||||||||||||||||||||||||||||
net revenue | 14,962,600,000 | 3,673,500,000 | |||||||||||||||||||||||||||||
non-interest expense | 8,369,300,000 | 1,640,400,000 | |||||||||||||||||||||||||||||
income before income tax expense | 6,593,300,000 | ||||||||||||||||||||||||||||||
income tax expense | 1,838,800,000 | 642,300,000 | |||||||||||||||||||||||||||||
net income before minority interest | 4,754,500,000 | ||||||||||||||||||||||||||||||
net income | |||||||||||||||||||||||||||||||
per equity share data: | |||||||||||||||||||||||||||||||
earnings per equity share, basic | |||||||||||||||||||||||||||||||
earnings per equity share, diluted | 16,700,000 | ||||||||||||||||||||||||||||||
dividends per share | 3,500,000 | ||||||||||||||||||||||||||||||
book value | 110,360,000 | 36,720,000 | |||||||||||||||||||||||||||||
equity share data: | |||||||||||||||||||||||||||||||
equity shares outstanding at end of period | 282,800,000 | 238,100,000 | |||||||||||||||||||||||||||||
weighted-average equity shares outstanding — basic | 281,900,000 | ||||||||||||||||||||||||||||||
weighted-average equity shares outstanding — diluted | 284,700,000 | ||||||||||||||||||||||||||||||
ads data | |||||||||||||||||||||||||||||||
earnings per ads — basic | 50,610,000 | ||||||||||||||||||||||||||||||
earnings per ads — diluted | 50,100,000 | ||||||||||||||||||||||||||||||
selected balance sheet data: | |||||||||||||||||||||||||||||||
loans, net of allowance | 177,681,100,000 | 36,058,500,000 | |||||||||||||||||||||||||||||
investments: | |||||||||||||||||||||||||||||||
investments held for trading | 6,233,800,000 | ||||||||||||||||||||||||||||||
investments available for sale | 133,274,600,000 | 80,320,600,000 | 58,700,500,000 | ||||||||||||||||||||||||||||
investments held to maturity | 36,368,400,000 | ||||||||||||||||||||||||||||||
total | 175,876,800,000 | ||||||||||||||||||||||||||||||
of which: | |||||||||||||||||||||||||||||||
investments, held to maturity, at amortized cost | 38,426,700,000 | 38,253,400,000 | |||||||||||||||||||||||||||||
securities purchased under agreement to resell | |||||||||||||||||||||||||||||||
equity shares: par value — rs.10 each | 2,797,200,000 | ||||||||||||||||||||||||||||||
assets: cash and cash equivalents | |||||||||||||||||||||||||||||||
trading securities | 3,837,600,000 | ||||||||||||||||||||||||||||||
liabilities interest-bearing deposits | |||||||||||||||||||||||||||||||
equity shares: par value — rs.10 each authorized 300,000,000 shares; issued and outstanding 279,032,838 shares and 279,567,238 shares | 2,790,300,000 | ||||||||||||||||||||||||||||||
interest revenue | |||||||||||||||||||||||||||||||
allowance for credit losses | 455,900,000 | ||||||||||||||||||||||||||||||
net interest revenue after allowance for credit losses | 2,591,500,000 | ||||||||||||||||||||||||||||||
income before income taxes | 2,033,100,000 | ||||||||||||||||||||||||||||||
earnings per share, basic | |||||||||||||||||||||||||||||||
earnings per share, diluted | 7,030,000 | ||||||||||||||||||||||||||||||
dividends | 1,600,000 | ||||||||||||||||||||||||||||||
weighted-average equity shares outstanding- basic | 197,200,000 | ||||||||||||||||||||||||||||||
weighted-average equity shares outstanding- diluted | 197,700,000 | ||||||||||||||||||||||||||||||
non-performing loans | 844,600,000 | ||||||||||||||||||||||||||||||
shareholders’ equity | 8,743,300,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2025-07-14 | 2024-08-21 | 2023-06-29 | 2022-07-29 |
|---|---|---|---|---|
cash flows from operating activities: | ||||
net income before noncontrolling interest | ||||
adjustment to reconcile net income to net cash from operating activities: | ||||
provision for credit losses | 83,055,200,000 | 76,443,800,000 | 46,109,000,000 | 59,599,400,000 |
depreciation and amortization | 18,719,900,000 | 15,235,900,000 | 11,061,900,000 | 7,749,000,000 |
amortization of deferred customer acquisition costs and fees | 16,471,300,000 | 10,924,400,000 | 4,804,800,000 | 4,753,800,000 |
amortization of premium/(discount) on investments | 10,823,600,000 | 8,712,600,000 | ||
amortization of intangible assets | 13,156,100,000 | 8,031,600,000 | ||
allowance on available for sale debt securities | 8,700,000 | -57,200,000 | -2,915,100,000 | |
deferred tax expense | -16,702,600,000 | -17,599,400,000 | ||
other gains | -6,158,200,000 | -4,663,000,000 | -360,600,000 | -7,744,200,000 |
share-based compensation expense | 13,181,000,000 | 9,842,800,000 | 5,730,000,000 | 7,471,500,000 |
net realized loss on sale of available for sale debt securities | -475,700,000 | -1,243,100,000 | 833,300,000 | |
loss on disposal of property and equipment | -101,000,000 | -359,100,000 | 54,100,000 | -100,000 |
unrealized exchange loss | 3,455,700,000 | 1,724,100,000 | ||
net change in: | ||||
investments held for trading | 48,486,200,000 | 126,971,800,000 | -11,415,800,000 | 49,758,400,000 |
accrued interest receivable | -14,526,100,000 | -15,321,300,000 | -24,969,100,000 | -5,667,700,000 |
other assets | -128,706,100,000 | -10,841,000,000 | -192,829,400,000 | -9,150,900,000 |
accrued interest payable | 60,605,700,000 | 48,283,900,000 | 6,863,400,000 | -1,005,200,000 |
accrued expense and other liabilities | 18,138,400,000 | -5,814,000,000 | 128,261,400,000 | -41,216,900,000 |
policyholder’s fund | 262,088,200,000 | 90,058,500,000 | ||
net cash from operating activities | 728,394,400,000 | 591,332,200,000 | 194,566,700,000 | 241,238,200,000 |
capital expenditures | -22,286,900,000 | -24,879,400,000 | -17,210,400,000 | -11,129,200,000 |
free cash flows | 706,107,500,000 | 566,452,800,000 | 177,356,300,000 | 230,109,000,000 |
cash flows from investing activities: | ||||
term placements | -15,995,700,000 | -101,416,500,000 | -138,590,300,000 | -111,546,000,000 |
activity in available for sale debt securities: | ||||
purchases | -1,874,153,900,000 | -2,974,774,900,000 | -882,880,600,000 | -820,790,500,000 |
proceeds from sales | 595,407,200,000 | 1,432,506,500,000 | 8,424,300,000 | 645,033,800,000 |
maturities, prepayments and calls | 867,964,700,000 | 620,373,400,000 | 230,259,800,000 | 407,711,800,000 |
net change in repurchase agreements and reverse repurchase agreements | -349,965,500,000 | 1,138,162,900,000 | 530,596,900,000 | -707,932,300,000 |
proceeds from loans securitised | 246,466,100,000 | |||
loans purchased | -116,976,000,000 | -343,540,200,000 | -126,207,200,000 | |
repayments on loans purchased | 763,100,000 | 52,750,200,000 | 244,437,300,000 | 74,616,000,000 |
increase in loans originated, net of principal collections | -764,762,000,000 | -1,549,371,200,000 | -1,337,984,300,000 | -666,302,900,000 |
additions to property and equipment | -30,771,800,000 | -24,879,400,000 | -17,210,400,000 | -11,129,200,000 |
proceeds from sale or disposal of property and equipment | 408,200,000 | 483,900,000 | 149,000,000 | 78,300,000 |
net cash received on acquisition of hdfc limited | 54,793,700,000 | |||
activity in equity securities | -42,086,500,000 | 58,529,700,000 | -142,100,000 | 7,216,300,000 |
net cash from investing activities | -1,366,726,100,000 | -1,409,817,700,000 | -1,706,480,600,000 | -1,309,251,900,000 |
cash flows from financing activities: | ||||
net increase in deposits | 1,192,009,200,000 | 1,316,230,900,000 | 714,931,100,000 | |
net increase in short-term borrowings | 194,839,300,000 | 37,646,100,000 | 398,812,200,000 | 181,155,700,000 |
proceeds from issue of shares by a subsidiary to noncontrolling interests | 3,235,700,000 | 1,196,700,000 | 199,100,000 | 109,400,000 |
proceeds from issuance of long-term debt | 256,460,900,000 | 569,672,800,000 | 246,169,700,000 | 231,062,700,000 |
repayment of long-term debt | -837,438,300,000 | -670,966,000,000 | -300,127,100,000 | -213,800,400,000 |
proceeds from issuance of equity shares for options and warrants exercised | 39,184,100,000 | 67,274,500,000 | ||
payment of dividends | -157,767,600,000 | -86,315,000,000 | -86,217,500,000 | |
net cash from financing activities | 690,523,300,000 | 1,234,740,000,000 | 1,397,324,900,000 | 896,246,100,000 |
effect of exchange rate changes on cash and due from banks, and restricted cash | -335,700,000 | 2,659,300,000 | 5,803,300,000 | -1,012,700,000 |
net change in cash and due from banks, and restricted cash | 51,855,900,000 | 418,913,800,000 | -108,785,700,000 | -172,780,300,000 |
cash and due from banks, and restricted cash, beginning of year | 2,086,031,400,000 | 1,387,395,200,000 | 1,122,031,100,000 | 930,694,700,000 |
cash and due from banks, and restricted cash, end of year | 2,137,887,300,000 | |||
supplementary cash flow information: | ||||
interest paid | 829,795,200,000 | |||
income taxes paid, net of refunds | 120,917,900,000 | |||
non-cash investment activities | ||||
i) payable for purchase of property and equipment | 8,484,900,000 | |||
ii) trade date sale receivable of available for sale debt securities | 918,300,000 | |||
iii) operating lease right-of-use assets | ||||
proceeds from disposals of business | ||||
benefit from credit losses | ||||
deferred tax expense/ | ||||
net realized (gain)/ loss on sale of available for sale debt securities | ||||
(gain)/ loss on disposal of property and equipment | ||||
unrealized exchange (gain)/ loss | ||||
net increase/(decrease) in short-term borrowings | ||||
adjustment to reconcile net income to net cash from operating activities | ||||
amortization of premium (discount) on investments | 3,653,600,000 | 4,102,200,000 | ||
deferred tax | -747,800,000 | -720,000,000 | ||
unrealized exchange | -5,684,300,000 | -970,100,000 | ||
proceeds from issuance of equity shares for options exercised | 22,777,200,000 | 18,847,200,000 | ||
amortization of premium/ (discount) on investments | ||||
net increase/ (decrease) in short-term borrowings | ||||
net realized (gain) on sale of available for sale debt securities | -8,272,000,000 | |||
payment of dividends and dividend tax | -36,059,600,000 | |||
iii) operating lease right-of-use assets represent non-cash investing activities. refer to note 17—lease commitments for more information and balances as at september 30, 2021. | ||||
(gain) loss on disposal of property and equipment | ||||
iii) operating lease right-of-use assets represent non-cash investing activities. refer to note 16 lease commitments for more information and balances as at september 30, 2020. | ||||
net realized (gain) loss on sale of available for sale debt securities | ||||
unrealized exchange (gain) loss | ||||
other than temporary impairment losses on available for sale debt securities | ||||
deferred tax benefit | ||||
purchase of subsidiary shares from noncontrolling interest | ||||
proceeds from issuance of equity shares | ||||
payable for purchase of property and equipment | ||||
other than temporary impairment losses on available for sale securities | ||||
net realized (gain) loss on sale of available for sale securities | ||||
exchange (gain) loss | ||||
net change in placements with financial institutions | ||||
activity in available for sale securities: | ||||
net change in repurchase options and reverse repurchase agreements | ||||
effect of exchange rate changes on cash and due from banks | ||||
net change in cash and due from banks and deposits with banks | ||||
cash and due from banks and deposit with banks, beginning of period | ||||
cash and due from banks and deposit with banks , end of period | ||||
income taxes paid | ||||
amortization of deferred customer acquisition costs | ||||
benefit from deferred income taxes | ||||
net change in term placements | ||||
effect of exchange rate changes on cash and cash equivalents | ||||
net change in cash and cash equivalents | ||||
cash and cash equivalents, beginning of year | ||||
cash and cash equivalents, end of year | ||||
amortization of deferred acquisition costs | ||||
net change in repurchase options and reverse repurchase options | ||||
cash and cash equivalents, end of period | ||||
amortization of intangibles | ||||
other than temporary impairment of investment | ||||
net change in available for sale securities | ||||
proceeds from application for issuance of equity shares for options exercised pending allotment | ||||
share based compensation expense | ||||
retirement of long-term debt | ||||
gain on disposal of property and equipment | ||||
net cash provided in operating activities | ||||
net change in securities | ||||
proceeds from loans securitized | ||||
cash on acquisition of cbop | ||||
net increase in long-term debt | ||||
proceeds from issuance of warrants | ||||
on acquisition of cbop by stock-for-stock exchanges | ||||
non—cash assets acquired at fair value | ||||
liabilities assumed at fair value | ||||
net | ||||
non-cash financing activities | ||||
stocks issued in connection with acquisition of cbop | ||||
net income | ||||
(gain) loss on securitization of loans | ||||
proceeds from issuance of shares | ||||
amortisation of intangible assets | ||||
net realized (gain)/loss on sale of available for sale securities | ||||
net cash received on acquisition of cbop | ||||
repayments of debt | ||||
net change in cash and cash equivalent | ||||
amortization of deferred stock based compensation | ||||
purchase of subsidiary | ||||
proceeds from issuance of debt | ||||
net change in cash | ||||
cash and cash equivalents, beginning of period | ||||
loans purchase | ||||
repayments on loans purchase | ||||
proceeds from applications received for shares pending allotment | ||||
amortization of premium(discount) on investments | ||||
other than temporary impairment investment | ||||
guarantee liabilities | ||||
accrued leave compensation | ||||
activity in held to maturity securities: | ||||
net change in repurchase option and reverse repurchase option | ||||
supplementary information on non cash transactions: | ||||
investments transferred from held to maturity to available for sale category | ||||
net cash provided by/(used) in operating activities | ||||
net change in repos and reverse repos | ||||
proceeds from issuance of equity shares and adss | ||||
cash and cash equivalents, beginning of the period | ||||
adjustment to reconcile net income to net cash provided by/ (used in) operating activities | ||||
allowance for credit losses | ||||
provision made for guarantees | ||||
(gain) on securitization of loans | ||||
net realized (gain) / loss on sale of available for sale securities | ||||
(gain)/loss on disposal of property and equipment | ||||
provision made for leave accrued | ||||
repayments of long-term debt | ||||
proceeds from issuance of adss | ||||
investments transferred from trading to available for sale category | ||||
amortization of investments | ||||
gain on securitization of loans | ||||
accrued interest income | ||||
accrued interest expense | ||||
loss/(gain) on disposal of property and equipment | ||||
other liabilities | ||||
trading account assets | ||||
investments transferred from available for sale to held to maturity category | ||||
net cash provided/(used) by operating activities | ||||
proceeds from exercise of stock options | ||||
net change in cash flows |