Page 56 - Banking Finance October 2015

56 | 2015 | OCTOBER HDFC Bank

Items (Amount in ` Million)

2008-09 2009-10 2010-11 2011-12 2012-13 Group All Banks'
Aggregate Aggregate
1736 3046
51888 69401 2012-13 2012-13
59.00 75.00
No. of offices 1422 1999 2553 9718 92114
No. of employees 52687 0.60 55752 66076 1.00
Business per employee 44.60 215225 65.30 65.40 362141 203733 1096984
Profit per employee 1674044 2962470
Capital and Reserves & Surplus 0.42 586076 0.74 0.80 1116136 93.03 121.33
Deposits 146518 1258306 253793 299247 2397206
Investments 1428116 161727 2085864 2467064 350649 1.18 0.83
Advances 588175 39831 709294 974829
Interest Income 988830 77863 1599827 1954200 68526 1599334 7089300
Other income 163323 59398 199282 278742 192538
Interest expended 112361 10219391 74295324
Operating expenses 32906 4.13 43352 57836
Net Interest Margin 89111 4.66 93851 149896 4.28 4916070 26132752
Cost of Funds (CoF) 55328 6.11 71529 6.41
Return on advances adjusted to CoF 16.68 92776 5.92 8733113 58797025
Wages as % to total expenses 4.69 16.30 4.22 4.19 13.01
Return on Equity 6.92 1.53 4.64 6.06 20.34 1265589 7636115
Return on Assets 8.04 17.44 5.91 5.83 1.90
CRAR 15.50 0.31 17.15 14.01 16.80 256475 977866
Net NPA ratio 17.17 16.74 18.69 0.20
1.28 1.58 1.77 792733 5138027
15.69 16.22 16.52
0.63 0.19 0.18 327392 1565855

3.30 2.79

5.77 6.12

5.57 4.21

11.40 13.02 PROFILE

| BANKING FINANCE 16.51 13.84

1.74 1.03

17.52 13.88

0.45 1.6

Source : RBI