HDFC Bank Limited (HDB) Income Statement Analysis

See more : LIFULL Co., Limited (NXCLF) Income Statement Analysis – Financial Results

Complete financial analysis of HDFC Bank Limited (HDB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of HDFC Bank Limited, a leading company in the Banks – Regional industry within the Financial Services sector.

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HDFC Bank Limited (HDB)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.hdfcbank.com

About HDFC Bank Limited

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, rural, public provident fund, pension, and Demat accounts; fixed and recurring deposits; and safe deposit lockers; as well as offshore accounts and deposits, overdrafts against fixed deposits, and sweep-in facilities. It also provides personal, home, car, two wheeler, business, educational, gold, consumer, and rural loans; loans against properties, securities, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment and commercial vehicle finance, dealer finance, and term and professional loans. The company offers credit, debit, prepaid, and forex cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; insurance and investment products. It provides short term finance, bill discounting, structured finance, export credit, loan syndication, and documents collection services; online and wholesale, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; and channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services, as well as financial solutions for supply chain partners and agricultural customers. As of March 31, 2022, the company had 21,683 banking outlets; 6,342 branches; and 18,130 automated teller machines in 3,188 cities/towns. HDFC Bank Limited was incorporated in 1994 and is based in Mumbai, India.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001
Revenue	2,538.56B	1,205.38B	1,019.41B	936.66B	791.75B	667.63B	567.76B	462.12B	389.20B	316.00B	263.41B	222.25B	178.99B	155.22B	123.83B	106.60B	75.18B	52.62B	36.12B	24.22B	17.30B	12.00B	8.88B	1.63B
Cost of Revenue	500.37B	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	2,038.20B	1,205.38B	1,019.41B	936.66B	791.75B	667.63B	567.76B	462.12B	389.20B	316.00B	263.41B	222.25B	178.99B	155.22B	123.83B	106.60B	75.18B	52.62B	36.12B	24.22B	17.30B	12.00B	8.88B	1.63B
Gross Profit Ratio	80.29%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	1,093.36B	400.22B	320.22B	292.98B	263.95B	213.61B	191.76B	167.30B	150.54B	117.35B	96.99B	91.21B	74.80B	62.25B	49.47B	47.50B	34.72B	11.46B	5.43B	3.25B	2.15B	1.66B	1.18B	918.50M
Selling & Marketing	0.00	2.70B	2.63B	1.02B	1.00B	1.59B	1.72B	1.52B	2.58B	1.90B	1.45B	1.87B	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	1,093.36B	400.22B	320.22B	292.98B	263.95B	213.61B	191.76B	167.30B	150.54B	117.35B	96.99B	91.21B	74.80B	62.25B	49.47B	47.50B	34.72B	11.46B	5.43B	3.25B	2.15B	1.66B	1.18B	918.50M
Other Expenses	1,445.20B	-944.03B	-821.07B	-789.84B	-689.94B	-541.74B	-482.73B	0.00	0.00	0.00	0.00	0.00	-180.18B	186.70M	445.50M	112.40M	-90.44B	-47.86B	-28.37B	-17.73B	-12.86B	-8.44B	-5.82B	660.10M
Operating Expenses	2,538.56B	-543.81B	-500.85B	-496.87B	-426.00B	-328.13B	-290.97B	207.76B	178.28B	145.74B	124.66B	115.49B	-105.38B	62.44B	49.92B	47.61B	-55.72B	-36.40B	-22.94B	-14.48B	-10.71B	-6.78B	-4.63B	1.58B
Cost & Expenses	2,538.56B	-543.81B	-500.85B	-496.87B	-426.00B	-328.13B	-290.97B	207.76B	178.28B	145.74B	124.66B	115.49B	-105.38B	62.44B	49.92B	47.61B	-55.72B	-36.40B	-22.94B	-14.48B	-10.71B	-6.78B	-4.63B	1.58B
Interest Income	2,836.49B	1,689.53B	1,333.14B	1,275.97B	1,211.98B	1,041.71B	843.47B	725.55B	625.43B	500.79B	422.21B	353.88B	277.54B	202.25B	158.65B	159.00B	104.25B	70.22B	43.61B	29.20B	24.58B	19.36B	16.41B	12.56B
Interest Expense	1,541.39B	775.54B	584.30B	592.28B	618.46B	534.21B	420.31B	373.76B	333.07B	264.61B	229.64B	196.80B	151.15B	93.85B	77.72B	86.11B	49.41B	33.23B	19.66B	13.24B	11.98B	11.87B	10.74B	7.57B
Depreciation & Amortization	30.92B	23.49B	16.82B	13.86B	12.80B	12.25B	9.68B	8.88B	7.43B	7.12B	8.52B	8.99B	7.92B	7.70B	7.90B	7.00B	2.82B	7.94B	5.85B	2.77B	3.28B	2.01B	1.31B	553.70M
EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA Ratio	0.00%	56.83%	52.52%	48.43%	47.81%	52.69%	50.46%	49.47%	49.56%	50.91%	49.41%	45.29%	45.55%	45.48%	36.19%	28.00%	29.63%	45.91%	52.68%	51.69%	57.07%	60.24%	62.51%	231.05%
Operating Income	765.69B	661.56B	518.56B	439.80B	365.75B	339.50B	276.79B	219.75B	185.45B	153.76B	121.62B	91.66B	73.61B	62.90B	36.91B	22.84B	19.46B	16.22B	13.18B	9.75B	6.59B	5.22B	4.24B	3.21B
Operating Income Ratio	30.16%	54.88%	50.87%	46.95%	46.20%	50.85%	48.75%	47.55%	47.65%	48.66%	46.17%	41.24%	41.13%	40.52%	29.81%	21.43%	25.89%	30.82%	36.48%	40.24%	38.11%	43.51%	47.80%	197.02%
Total Other Income/Expenses	0.00	47.40B	10.43B	11.87B	-16.10B	-3.22B	-7.53B	-13.69B	-9.52B	-6.77B	-10.36B	-8.07B	224.60M	330.40M	317.10M	93.40M	91.00M	0.00	0.00	9.75B	0.00	5.22B	4.24B	3.21B
Income Before Tax	765.69B	662.38B	519.16B	439.83B	365.84B	339.96B	277.11B	219.97B	185.59B	154.02B	121.75B	91.97B	73.84B	63.23B	37.23B	22.94B	19.55B	16.22B	13.18B	9.75B	6.59B	5.22B	4.24B	3.21B
Income Before Tax Ratio	30.16%	54.95%	50.93%	46.96%	46.21%	50.92%	48.81%	47.60%	47.68%	48.74%	46.22%	41.38%	41.25%	40.73%	30.06%	21.52%	26.01%	30.82%	36.48%	40.24%	38.11%	43.51%	47.80%	197.02%
Income Tax Expense	111.22B	166.12B	132.56B	113.82B	105.48B	119.39B	98.27B	79.22B	67.54B	54.52B	42.30B	29.84B	23.83B	21.70B	12.34B	7.74B	6.31B	5.15B	3.97B	3.13B	1.84B	1.73B	1.29B	1.07B
Net Income	640.62B	495.45B	386.00B	325.98B	260.27B	220.10B	178.51B	140.53B	117.92B	99.24B	79.32B	61.82B	49.78B	41.20B	24.57B	15.10B	13.15B	11.06B	9.20B	6.62B	4.75B	3.50B	2.95B	2.14B
Net Income Ratio	25.24%	41.10%	37.86%	34.80%	32.87%	32.97%	31.44%	30.41%	30.30%	31.40%	30.11%	27.81%	27.81%	26.54%	19.84%	14.17%	17.50%	21.03%	25.48%	27.31%	27.48%	29.14%	33.26%	131.56%
EPS	90.01	267.06	209.28	177.81	142.77	121.97	103.77	82.85	70.26	61.41	49.77	39.27	33.75	26.76	16.89	10.92	11.47	10.47	8.83	6.83	4.94	3.77	3.33	2.69
EPS Diluted	90.01	266.04	208.14	177.06	141.81	121.98	102.44	81.86	69.50	60.83	49.41	38.87	33.30	26.39	16.68	10.86	11.33	10.32	8.72	6.78	4.89	3.75	3.31	2.66
Weighted Avg Shares Out	7.12B	1.86B	1.86B	1.84B	1.84B	1.80B	1.74B	1.72B	1.70B	1.63B	1.61B	1.57B	1.55B	1.54B	1.45B	1.38B	1.15B	1.06B	1.04B	967.99M	962.17M	928.81M	887.71M	795.47M
Weighted Avg Shares Out (Dil)	7.12B	1.86B	1.86B	1.84B	1.84B	1.80B	1.74B	1.72B	1.70B	1.63B	1.61B	1.59B	1.57B	1.56B	1.47B	1.39B	1.16B	1.07B	1.05B	975.70M	971.96M	933.27M	892.53M	804.43M

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