Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
1,47,050.05
1,16,285.20
73,758.42
61,836.34
60,354.94
55,557.87
52,223.51
Income On Investments
25,175.42
20,550.75
14,895.50
12,943.78
11,216.03
10,339.48
10,365.93
Interest On Balances With Rbi Other Inter Bank Funds
1,147.63
1,204.76
456.48
993.73
1,468.04
591.62
209.74
Interest / Discount On Advances / Bills
1,18,104.69
92,302.45
57,811.67
47,707.67
47,442.22
44,318.67
41,325.78
Others
2,622.31
2,227.24
594.77
191.16
228.65
308.10
322.06
Other Income
22,150.84
19,937.70
13,983.81
13,689.29
10,167.76
10,558.97
9,792.22
Total Income
1,69,200.89
1,36,222.90
87,742.23
75,525.63
70,522.70
66,116.84
62,015.73
Interest Expended
87,099.01
65,300.90
33,255.84
27,142.99
28,913.13
28,748.58
26,557.27
Net Interest Income
59,951.04
50,984.30
40,502.58
34,693.35
31,441.81
26,809.29
25,666.24
Total Expenditure (Excl Depreciation)
33,511.50
29,456.10
21,726.38
17,438.32
14,966.52
14,522.94
13,836.44
Employee Cost
11,834.18
9,952.26
7,024.07
5,732.63
5,055.82
4,572.45
4,042.04
Other Operating Expenses
21,677.32
19,503.84
14,702.31
11,705.69
9,910.70
9,950.49
9,794.40
Operating Profit Before Provisions and Contingencies
48,590.38
41,465.90
32,760.01
30,944.32
26,643.05
22,845.32
21,622.02
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
5,302.52
5,763.86
6,427.86
8,755.50
7,595.02
5,314.34
4,100.75
Profit Before Tax
43,287.86
35,702.04
26,332.15
22,188.82
19,048.03
17,530.98
17,521.27
Tax
10,292.14
7,774.16
6,530.38
5,624.87
4,876.30
5,617.83
6,050.30
Profit After Tax
32,995.72
27,927.88
19,801.77
16,563.95
14,171.73
11,913.15
11,470.97
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
32,995.72
27,927.88
19,801.77
16,563.95
14,171.73
11,913.15
11,470.97
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
2.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
43.24
36.84
35.55
29.91
25.75
21.78
21.06
Diluted Earnings per share
43.17
42.23
35.5
29.8
25.7
21.6
0.0
Operating Profit Margin (Excl OI)
73.6%
69.71%
61.83%
57.64%
62.62%
64.29%
65.65%
Gross Profit Margin
29.44%
30.7%
35.7%
35.88%
31.56%
31.55%
84.4%
PAT Margin
22.44%
24.02%
26.85%
26.79%
23.48%
21.44%
21.97%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.96%
1.0%
0.97%
0.95%
0.92%
0.96%
0.0%
CASA (%)
35.0%
38.0%
45.4%
46.8%
41.6%
39.3%
0.0%
CASA Amount
8,83,500.00
8,17,700.00
7,59,696.00
6,58,232.00
5,11,451.00
4,01,236.00
0.00
Capital Adequacy Ratio (Total)
19.77%
19.54%
16.92%
19.96%
19.08%
17.54%
0.0%
Capital Adequacy Ratio (Tier 1)
17.79%
17.81%
15.99%
18.75%
17.73%
16.16%
0.0%
Provision Coverage Ratio (%)
70.0%
74.0%
73.0%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
34,250.62
31,577.89
18,301.00
16,346.07
11,304.60
12,508.15
11,224.16
Amount of Net NPAs
10,308.54
8,072.79
4,882.67
4,755.09
1,756.08
3,790.95
3,214.52
% of Net NPAs
0.41%
0.35%
0.33%
0.4%
0.17%
0.42%
0.39%
% of Gross NPAs
1.36%
1.34%
1.23%
1.35%
1.08%
1.38%
1.36%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
20993.0
20596.0
18868.0
16642.0
15292.0
13514.0
0.0
Number of Branches
9092.0
7945.0
6499.0
5686.0
5430.0
5314.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 26.46% vs 57.66% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 18.15% vs 41.04% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is 17.18% vs 26.57% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is 0.06% vs 0.02% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is 0.02% vs 0.11% in Sep 2023
Compare Half Yearly Results Of HDFC Bank With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
1,47,050.05
79,533.16
67,516.89
84.89%
Income On Investments
25,175.42
16,467.91
8,707.51
52.88%
Interest On Balances With Rbi Other Inter Bank Funds
1,147.63
960.11
187.52
19.53%
Interest / Discount On Advances / Bills
1,18,104.69
61,534.99
56,569.70
91.93%
Others
2,622.31
570.15
2,052.16
359.93%
Other Income
22,150.84
14,178.58
7,972.26
56.23%
Total Income
1,69,200.89
93,711.74
75,489.15
80.55%
Interest Expended
87,099.01
39,932.27
47,166.74
118.12%
Net Interest Income
59,951.04
39,600.89
20,350.15
51.39%
Total Expenditure (Excl Depreciation)
33,511.50
21,031.45
12,480.05
59.34%
Employee Cost
11,834.18
8,506.65
3,327.53
39.12%
Other Operating Expenses
21,677.32
12,524.80
9,152.52
73.08%
Operating Profit Before Provisions and Contingencies
48,590.38
32,748.02
15,842.36
48.38%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
5,302.52
2,565.27
2,737.25
106.7%
Profit Before Tax
43,287.86
30,182.75
13,105.11
43.42%
Tax
10,292.14
7,377.76
2,914.38
39.5%
Profit After Tax
32,995.72
22,804.99
10,190.73
44.69%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
32,995.72
22,804.99
10,190.73
44.69%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
43.24
32.36
10.88
33.62%
Diluted Earnings per share
43.17
31.86
11.31
35.5%
Operating Profit Margin (Excl OI)
73.60%
70.33%
0.00
3.27%
Gross Profit Margin
29.44%
37.95%
0.00
-8.51%
PAT Margin
22.44%
28.67%
0.00
-6.23%
Net Interest Margin
0.00%
4.31%
-4.31
-4.31%
Return on Assets
0.96%
0.00%
0.96
0.96%
CASA (%)
35.00%
38.90%
-3.90
-3.90%
CASA Amount
8,83,500.00
6,08,723.00
2,74,777.00
45.14%
Capital Adequacy Ratio (Total)
19.77%
15.35%
4.42
4.42%
Capital Adequacy Ratio (Tier 1)
17.79%
14.65%
3.14
3.14%
Provision Coverage Ratio (%)
70.00%
78.50%
-8.50
-8.50%
Amount of Gross NPAs
34,250.62
27,121.15
7,129.47
26.29%
Amount of Net NPAs
10,308.54
5,685.14
4,623.40
81.32%
% of Net NPAs
0.41%
0.42%
-0.01
-0.01%
% of Gross NPAs
1.36%
1.97%
-0.61
-0.61%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
20,993.00
16,120.00
4,873.00
30.23%
Number of Branches
9,092.00
66.00
9,026.00
13675.76%
Half Yearly - Interest Earned
Interest Earned 147050.05 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 26.46% vs 57.66% in Sep 2023
Half Yearly - Net Profit
Net Profit 32,995.72 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 18.15% vs 41.04% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 48,590.38 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 17.18% vs 26.57% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 0.41%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is 0.06% vs 0.02% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 1.36%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is 0.02% vs 0.11% in Sep 2023