Bandhan Bank Analysis

DESCRIPTION ### Jun-18 Sep-18 Dec-18 Mar-19 Jun-19

Profit and Loss
Interest Earned ### - 1,606 1,649 1,833 2,361
Interest Expended ### - 528 526 575 1,056
Net Interest Income (NII)
### - 1,078 1,123 1,258 1,305
Other Income ### - 230 234 338 331
Total Income - 1,308 1,357 1,596 1,636
Operating Expenses ### - 434 458 492 551
Operating Profit
### - 874 899 1,104 1,085
Provisions and Contingencies ### - 125 378 153 125
Profit Before Tax (PBT)
### - 749 521 951 960
Tax ### - 262 192 349 426
Profit After Tax (PAT)
### - 487 329 602 534
Calculated EPS (Unit.Curr.) 0.00 0.00 0.00 0.00 0.00

Balance Sheet
Equity Capital - 1,193 1,193 1,193 1,193
Reserves and Surplus - 9,015 9,346 10,008 10,279
Total Equity - 10,208 10,538 11,201 11,472
Deposits - 32,959 34,639 43,232 43,701
Borrowings - 1,421 260 521 458
Advances - 31,730 33,873 44,776 45,420
Investments - 8,578 8,618 10,037 10,737
Total Assets - 45,604 46,795 56,441 58,668
Face Value - - - - -

Capital Adeqacy
Capital Adeqacy Ratio Basel III 32.6% 32.8% 29.2% 26.6%
Tier I Basel III 31.5% 31.7% 27.9% 23.7%
CET 1 0.0% 0.0% 0.0% 0.0% 0.0%
Additional Tier 1 (AT1) 0.0% 0.0% 0.0% 0.0% 0.0%
Tier 2 Basel III 1.1% 1.1% 1.3% 2.9%
Advances to Assets 69.6% 72.4% 79.3% 77.4%
Equity to Total Assets 22.4% 22.5% 19.8% 19.6%

Asset Quality
Percentage of Gross/Net NPA
% of Gross NPAs 1.3% 1.3% 2.4% 2.0% 2.0%
Gross NPA to Total Assets 0.9% 1.7% 1.6% 1.6%
% of Net NPAs 0.6% 0.7% 0.7% 0.6% 0.6%
Net NPA to Total Assets 0.5% 0.5% 0.5% 0.5%
Provisions Coverage% ### 0.0% 0.0% 0.0% 0.0% 0.0%
% of BB & Below Rated Portfolio of Corporate advances 0.0% 0.0% 0.0% 0.0% 0.0%
% of BB & Below Rated Portfolio of Total advances 0.0% 0.0% 0.0% 0.0% 0.0%
Net Credit Cost % 0.0% 0.0% 0.0% 0.0% 0.0%
Wholesale Advances to total Advances 0.0% 0.0% 0.0% 0.0% 22.0%
Retail Advances to total Advances 0.0% 0.0% 0.0% 0.0% 78.0%
SMA 1 % 0.0% 0.0% 0.0% 0.0% 0.0%
SMA 2 % 0.0% 0.0% 0.0% 0.0% 0.0%

Management
Return on Assets ### 0.0% 4.3% 2.9% 5.2% 4.2%
Return on Equity ### 0.0% 19.3% 12.5% 19.0% 24.3%
Business per Employee 2.13 2.20 2.69 2.51
Profit per employee 0.02 0.01 0.02 0.02
Profit Per Branch 0.52 0.34 0.60 0.53
Deposits Per Branch 35.14 35.42 43.28 43.74
Advances Per Branch 33.83 34.63 44.82 45.47

Earnings
NIM % 10.30% 10.20% 10.50% 10.70% 10.45%
Yield on Advances % ### 18.70% 17.23% 21.82%
Yield on Investments % ### 7.21% 6.86% 9.11%
Cost of Funds % 12.86% 6.21% 5.98% 9.96%
Net Interest Income to total income 82.42% 82.76% 78.82% 79.77%
Non Interest Income to operating Income 17.58% 17.24% 21.18% 20.23%
Cost to Income Ratio ### 33.18% 33.75% 30.83% 33.68%
CASA% ### 36.90% 41.40% 40.80% 36.06%

Liquidity
Credit/ Deposit 96% 98% 104% 104%
Government securities to total assets 0% 0% 0% 0% 0%
Liquidity Coverage Ratio(LCR) 0.00% 0.00% 0.00% 0.00% 0.00%

Growth
NII Growth Y-o-Y % 4.2% 12.0% 3.7%
Other Income Growth Y-o-Y % 1.7% 44.4% -2.1%
Operating Profit Growth Y-o-Y % 2.9% 22.8% -1.7%
PAT Growth Y-o-Y% -32.4% 83.0% -11.3%
Advances Growth Y-o-Y % 6.8% 32.2% 1.4%
Deposits 5.1% 24.8% 1.1%

Valuation
P/E #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
P/B #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Sep-19 Dec-19 Mar-20 Jun-20 Sep-20

2,690 2,718 2,846 3,018

1,161 1,177 1166.00 1,207
1,529 1,541 1,680 1,811
361 358 500.00 387
1,890 1,899 2,180 2,198
582 634 660.00 614
1,308 1,265 1,520 1,584
146 292 827.00 849
1,162 973 693 735
190 240 176.00 185
972 733 517 550
0.00 0.00 0.00 -

1,627 1,610 1,610 1,610

12,389 13,108 13,585 14,136
14,016 14,718 15,195 15,746
49,195 54,908 57,082 60,610
16,521 11,960 16,379 16,545
64,186 60,601 66,630 69,749
13,964 13,982 15,352 16,182
81,568 84,791 91,718 97,117
- - 0.00

27.0% 24.7% 27.4% 26.5%

28.8% 23.1% 25.2% 23.2%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
1.3% 1.6% 2.2% 3.2%
78.7% 71.5% 72.6% 71.8%
17.2% 17.4% 16.6% 16.2%

1.8% 1.9% 1.4% 1.4%

1.4% 1.4% 1.0% 1.0%
0.6% 0.8% 0.6% 0.5%
0.4% 0.6% 0.4% 0.3%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
 0.0% 0.0% 0.0%

4.8% 3.5% 2.4% 2.3%

28.3% 20.0% 13.7% 14.1%
3.20 3.09 2.98 3.14
0.03 0.02 0.01 0.01
0.97 0.72 0.51 0.54
49.20 53.94 56.07 59.54
64.19 59.53 65.45 68.52

8.15% 7.91% 8.10% 8.15%

18.45% 16.09% 16.41% 16.28%
6.47% 5.88% 6.91% 5.94%
8.73% 7.29% 6.81% 6.57%
80.90% 81.15% 77.06% 82.39%
19.10% 18.85% 22.94% 17.61%
30.79% 33.39% 30.28% 27.93%
33.00% 34.31% 36.80% 37.08%

130% 110% 117% 115%

0% 0% 0%
0.00% 0.00% 0.00%

17.2% 0.8% 9.0% 7.8%

9.1% -0.8% 39.7% -22.6%
20.6% -3.3% 20.2% 4.2%
82.0% -24.6% -29.5% 6.4%
41.3% -5.6% 9.9% 4.7%
12.6% 11.6% 4.0% 6.2%

#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
Bandhan Bank Annual Analysis

DESCRIPTION Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18

Profit & Loss
Interest Earned 1,581 3,908 4,802
Interest Expended 648 1,505 1,770
Net Interest Income (NII) 933 2,403 3,032
Other Income 150 411 706
Total Income 1,083 2,814 3,738
Operating Expenses 616 1,022 1,308
Operating Profit 467 1,792 2,430
Provisions and Contingencies 192 681 1,084
Profit Before Tax (PBT) 275 1,111 1,346
Tax - - -
Profit After Tax (PAT) 275 1,111 1,346

Balance Sheet
Share Capital 1,095 1,095 1,192
Total Reserves 2,239 3,351 8,189
Total Equity 3,334 4,446 9,381
Deposits 12,088 23,229 33,869
Borrowings 3,051 1,028 285
Advances 12,437 23,543 32,339
Investments 3,758 5,516 8,371
Total Assets 19,915 30,236 44,310

Capital Adeqacy
Capital Adeqacy Ratio Basel III 29.01% 26.36% 31.48%
Tier I Basel III 26.72% 24.77% 30.30%
CET 1 26.7% 24.8% 30.3%
Additional Tier 1 (AT1) 0.00% 0.00% 0.00%
Tier 2 Basel III 2.29% 1.60% 1.18%
Debt/Equity 4.54 5.46 3.64
Advances to Total Assets 62.5% 77.9% 73.0%
Equity to Total Assets 16.7% 14.7% 21.2%

Asset Quality
Percentage of Gross/Net NPA
% of Gross NPAs 0.15% 0.51% 1.25%
Gross NPA to Total Assets 0.09% 0.40% 0.91%
% of Net NPAs 0.08% 0.36% 0.58%
Net NPA to Total Assets 0.05% 0.28% 0.42%
Provisions Coverage% 0.00% 0.00% 53.66%
% of BB & Below Rated Portfolio of Corporate advances 0.00% 0.00% 0.00%
% of BB & Below Rated Portfolio of Total advances 0.00% 0.00% 0.00%
Net Credit Cost % 0.00% 0.00% 0.00%
Restructered Assets To Advances 0.00% 0.00% 0.00%
Lending to Sensitive Sectors To Total Advances 0.0% 0.0% 0.0%
Lending To Real estate sector to Total Advances 0.0% 0.0% 0.0%
Wholesale Advances to total Advances 0.0% 0.0% 0.0%
Retail Advances to total Advances 0.0% 0.0% 0.0%
SMA 1 % 0.00% 0.00% 0.00%
SMA 2 % 0.00% 0.00% 0.00%

Management
Return on Assets 1.88% 0.04% 0.04%
Return on Equity 18.36% 28.51% 25.98%
Operating profit to working funds % 3.2% 7.2% 7.3%
Business per Employee 0.00 0.00 2.32
Profit per employee 0.01 0.05 0.05
Profit Per Branch 0.4 1.3 1.4
Deposits Per Branch 18.4 27.7 36.2
Advances Per Branch 19.0 28.0 34.6

Earnings
NIM % 11.0% 10.4% 9.7%
Yield on Advances % 0.0% 0.0% 0.0%
Yield on investments % 0.0% 0.0% 0.0%
Interest income to working funds % 10.8% 15.7% 14.4%
Cost of Funds % 0.0% 0.0% 0.0%
Net Interest Income to total income 86.1% 85.4% 81.1%
Non Interest Income to total Income 13.9% 14.6% 18.9%
Cost to Income Ratio 56.9% 36.3% 35.0%
CASA% 21.5% 29.4% 34.3%
Non-interest income to working funds % 1.0% 1.7% 2.1%

Liquidity
Credit/ Deposit 0.0% 0.0% 0.0%
Government securities to total assets 0.0% 0.0% 0.0%
Liquidity Coverage Ratio(LCR) 0.0% 0.0% 0.0%
Net Stable funding Ratio(NSFR) 0.0% 0.0% 0.0%

DESCRIPTION Mar-16 Mar-17 Mar-18

Growth Ratios
NII Growth Y-o-Y % 157.6% 26.2%
Other Income Growth Y-o-Y % 174.0% 71.8%
Operating Profit Growth Y-o-Y % 283.7% 35.6%
PAT Growth Y-o-Y% 304.0% 21.2%
Total Reserves Y-o-Y % 49.7% 144.4%
Deposits Y-o-Y % 92.2% 45.8%
Borrowings Y-o-Y % -66.3% -72.3%
Advances Y-o-Y % 89.3% 37.4%
Investments Y-o-Y % 46.8% 51.8%
Total Assets Y-o-Y % 51.8% 46.5%

Valuation
Calculated EPS (Unit.Curr.) - - -
Book Value - - -
P/E #DIV/0! #DIV/0! #DIV/0!
P/B 0.00 0.00 0.00
MCAP/AUM 0.0% 0.0% 0.0%
Mar-19 Mar-20

6,644 10,885
2,147 4,561
4,497 6,324
1,063 1,550
5,560 7,874
1,810 2,427
3,750 5,447
1,796 1,393
1,954 4,054
- 1,030
1,954 3,024

1,193 1,610
10,008 13,585
11,201 15,195
43,232 57,082
521 16,379
44,776 66,630
10,037 15,352
56,441 91,718

29.20% 27.43%
27.88% 0.00%
27.9% 0.0%
0.00% 0.00%
1.32% 0.00%
3.91 4.83
79.3% 72.6%
19.8% 16.6%

2.04% 1.48%
1.62% 1.08%
0.58% 0.58%
0.46% 0.42%
72.14% 0.00%
0.00%
0.00%
0.00%
0.00%
0.0%
0.0%
 0.0%
0.0%
0.00%
0.00%

0.04% 0.04%
19.00% 0.00%
8.2% 0.0%
2.58 0.00
0.06 0.00
2.0 3.0
43.8 56.1
45.4 65.5

10.4%
0.0%
0.0%
14.5%
0.0%
80.9%
19.1%
32.6%
40.8%
2.3%

0.0%
0.0%
0.0%
0.0%

Mar-19

48.3%
50.6%
54.3%
45.2%
22.2%
27.6%
82.8%
38.5%
19.9%
27.4%

-
 -
#DIV/0!
0.00
0.0%
Bandhan Bank Ltd. Balance Sheet (New) - consolida 2 3 4 5
DESCRIPTION Mar-13 Mar-14 Mar-15 Mar-16

SOURCES OF FUNDS:
Share Capital 1095.00
Share warrants & Outstandings
Total Reserves 2239.00
Minority Interest
Deposits 12088.00
Demand Deposits
Savings Deposit
Term Deposits / Fixed Deposits
Current Deposits
Recurring Deposits
Other Deposits
Borrowings 3051.00
Other Liabilities & Provisions
Total Liabilities
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India
Balances with banks and money at call
Investments 3758.00
Advances 12437.00
Gross block
Less: Accumulated Depreciation
Less: Impairment of Assets
Net Block
Lease Adjustment
Capital Work in Progress
Other Assets
Total Assets 19915.00
Contingent Liabilities
Bills for collection
Book Value
Adjusted Book Value

Equity

Govt Securities
Balance sheet size
Market Cap
 6 7 8 9
Mar-17 Mar-18 Mar-19 Mar-20

1095.00 1192.00 1193.00 1610

3351.00 8189.00 10008.00 13585

23229.00 33869.00 43232.00 57082

1028.00 285.00 521.00 16379

5516.00 8371.00 10037.00 15352

23543.00 32339.00 44776.00 66630

30236.00 44310.00 56441.00 91718

HDFC Bank Ltd. Annual-Y-O-Y(%)-Conso 2 3 4 5 6 7 8 9
DESCRIPTION Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20
No Of Months
Interest Earned 1581.00 3908.00 4802.00 6644.00 10885.00
Income on Investments 833.00
Interest on Balances With RBI Other Inter Bank Funds 163.00
Interest / Discount on Advances / Bills 9486.00
Others 403.00
Other Income 150.00 411.00 706.00 1063.00 1550.00
Total Income 1731 4319 5508.00 7707.00 12434.00
Interest Expended 648.00 1505.00 1770.00 2147.00 4561.00
Operating Expenses 616.00 1022.00 1308.00 1810.00 2427.00
Total Expenditure
Operating Profit before Prov.& Cont. 467.00 1792.00 2430.00 3750.00 5447.00
Exceptional Items
Provisions and Contingencies 192.00 681.00 1084.00 1796.00 1393.00
PBT 4053.00
Tax 1030.00
Profit After Tax 3023.00
Extraordinary Items
Discontinued Operation (Net of tax )
Prior Period Items
Net Profit (after Extraodinary Items)

Minority Interest
Shares of Associates
Other related items
Misc. Expenses Written off
Consolidated Net Profit
Other Comprehensive Incomes (Net of tax )
Minority Interest Comprehensive Income
Total Comprehensive Income
Equity Capital
Face Value
Reserves

% of Shares held by Govt

Capital Adeqacy Ratio Basel II
Tier I Basel II
Tier 2 Basel II
Capital Adeqacy Ratio Basel III
Tier I Basel III
Tier 2 Basel III
Gross / Net NPA
Amount of Gross NPA
Amount of Net NPA
Percentage of Gross/Net NPA
% of Net NPAs
% of Gross NPAs
Return on Assets

Number of Public Share Holding

% of Public Share Holding

Basic EPS before Extraodinary Items

Basic EPS after Extraodinary Items
Calculated EPS (Unit.Curr.)
Adj Calculated EPS (Unit.Curr.)
Diluted EPS before Extraodinary Items
Diluted EPS after Extraodinary Items

PBIDTM%
PBDTM%
PBTM%
PATM%

Promoters No of Shares
Pledged / Encumbered
Encumbered No of Shares
Encumbered % of Promoter Holdings
Encumbered % of Share Capital
Non Encumbered
Non Encumbered No of Shares
Non Encumbered % of Promoter Holdings
Non Encumbered % of Share Capital
NIM %
Provisions Coverage%
No of ATMs
No of Branches
No of Employees
Dividend (%)
Type
 2 3 4 5 6 7 8
DESCRIPTION Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19
Loan Segment (% of Advances)
Corporate % (Wholesale) 22.00%
Medium Enterprises %(Wholesale)
SME %(Wholesale)
Retail % 78%

Balance Sheet
Equity Capital 1,193 1,193 1193.00 1,193 1,627
Reserves and Surplus 9,015 9,346 10008.00 10,279 12,389
Total Equity 10,208 10,538 11201.00 11,472 14,016
Deposits 32,959 34,639 43,232 43,701 49,195
Borrowings 1,421 260 521 458 16,521
Advances 31,730 33,873 44,776 41,486 59,786
Investments 8,578 8,618 10,037 10,737 13,964
Total Assets 45,604 46,795 56,441 58,668 81,568

Capital Adeqacy Ratio

Capital Adeqacy Ratio Basel III 32.6% 32.8% 29.2% 26.6% 27.0%
Tier I Basel III 31.51% 31.70% 27.9% 23.65% 28.75%
CET 1
Additional Tier 1 (AT1)
Tier 2 Basel III 1.08% 1.11% 1.3% 2.93% 1.28%

Asset Quality
% of BB & Below Rated Portfolio of Corporate advances
% of BB & Below Rated Portfolio of Total advances
Net Credit Cost %
SMA 1 Cr
SMA 2 Cr
SMA 1 %
SMA 2 %
Management
Return on Equity 19.30% 12.50% 19.00% 24.30% 28.31%

Earnings
Cost of Funds %
Yield on Advances %
Yield on Investments %

Liquidity
Liquidity Coverage Ratio(LCR)

Valuation
Market Price
 9 10 11
Dec-19 Mar-20 Jun-20

22% 22%

78% 78%

1,610 1610 1610

13,108 13585 14136
14718 15195 15746
54,908 57082 60610
11,960 16379 16545
60,601 66630 69749
13,982 15352 16182
84,791 91718 97117

24.7% 27.4% 26.45%

23.09% 25.19% 23.22%

1.60% 2.24% 3.23%

20.00% 13.70% 14.12%
 3 4 5 6 7
DESCRIPTION Source Mar-13 Mar-14 Mar-15 Mar-16 Mar-17
Loan Segment (% of Advances)
Corporate % (Wholesale) Presentation
Medium Enterprises % (Wholesale) Presentation
SME %(Wholesale) Presentation
Retail % Presentation

Capital Adeqacy Ratio

Capital Adeqacy Ratio Basel III Ace equity Query 29.01% 26.4%
Tier I Basel III Ace equity Query 26.72% 24.8%
CET 1 26.72% 24.8%
Additional Tier 1 (AT1)
Tier 2 Basel III Ace equity Query 2.3% 1.6%
Asset Quality
Provisions Coverage% Ace equity Query
% of BB & Below Rated Portfolio of Corporate advances Presentation
% of BB & Below Rated Portfolio of Total advances
Net Credit Cost %
Restructered Assets To Advances 0.00% 0.00%
SMA 1 Cr
SMA 2 Cr
SMA 1 %
SMA 2 %

Earnings
Cost of Funds % Annual Report

Liquidity
Liquidity Coverage Ratio(LCR)
Net Stable funding Ratio(NSFR)

Productivity
Employees Annual Report 20548 24220
Branches Annual Report 656 840
ATMs Annual Report 228 282

Valuation
Market Price
 8 9 10
Mar-18 Mar-19 Mar-20

31.5% 29.2% 27.4%

30.3% 27.9%
30.3% 27.9%

1.2% 1.3%

54% 72%

0.00% 0.00%
28159 32342 41563
936 986 1018
460 481
HDFC Bank Ltd. 3 4 5
DESCRIPTION 201,303 201,403 201503

% of Gross NPAs
% of Net NPAs
a) Opening Balance
b) Additions during the year
c) Reductions during the year
d) Closing balance
b) Provisions made during the year
c) Write-off/write-back of excess provisions
Total Risk Weighted Assets
Interest income to working funds %
Non-interest income to working funds %
Operating profit to working funds %
Return on Assets
Profit per Employee
Business per Employee
NIM %
Lending to Sensitive Sectors
To Real estate sector
Basel III
Total CAR (Basel III)
Tier - 1 (Basel III)
Tier - 2 (Basel III)
Yield on Advances %
Yield on investments %
Market Capitalization
P/B
Credit/ Deposit
Interest Expended / Interest earned(%)
CASA%
Return on Equity
 6 7 8 9 10 11
201,603 201,703 201,803 201903 202,003 FINANCE_PL_CONS~YEAR_END~F~UNIT

0.15 0.51 1.25 2.04 1.48 RBI_BANKING~GROSS_NPA_PERCENT~F~UN

0.08 0.36 0.58 0.58 0.58 RBI_BANKING~NPA_ADVANCES~F~UNITS
RBI_BANKING~OPENING_NPA_GROSS~T~U
RBI_BANKING~ADDITION_NPA_GROSS~T~U
RBI_BANKING~REDUCTION_NPA_GROSS~T
RBI_BANKING~NPA_GROSS~T~UNITS
RBI_BANKING~ADDITION_NPA_PROVISION
RBI_BANKING~REDUCTION_NPA_PROVISIO
RBI_BANKING~TOTAL_RWA~T~UNITS
10.77 15.67 14.37 14.46 RBI_BANKING~INTEREST_WORKING_FUND
1.02 1.65 2.11 2.31 RBI_BANKING~NON_INTERESR_WORKING_
3.18 7.19 7.27 8.16 RBI_BANKING~OPERATIONAL_PROFITS_WO
1.88 4.47% 4.03% 4.25% 4.23% RBI_BANKING~ROA~F~UNITS
0.01 0.05 0.05 0.06 RBI_BANKING~PROFITS_PER_EMPLOYEE~T~
2.32 2.58 RBI_BANKING~BISINESS_PER_EMPLOYEE~T
11.04 10.44 9.69 10.43 RBI_BANKING~NIMAR~F~UNITS
RBI_BANKING~SENSITIVE_SECTOR~T~UNITS
RBI_BANKING~REAL_ESTATE~T~UNITS
RBI_BANKING~FLDBLANK~F~UNITS
RBI_BANKING~TOTAL_CAR_B~F~UNITS
RBI_BANKING~TI_CAR_B~F~UNITS
RBI_BANKING~TII_CAR_B~F~UNITS
FINANCIAL_HIGHLIGHTS~YIELD_ADV~F~100
FINANCIAL_HIGHLIGHTS~YIELD_INV~F~1000
FINANCIAL_HIGHLIGHTS~MCAP~T~1000000
FINANCIAL_HIGHLIGHTS~BV~F~1000000
FINRATIOS_ANALYSER~CREDIT_DEPOSIT~F~
FINRATIOS_ANALYSER~INTERESTEXPENDED
21.54 29.43 34.32 40.75 FINRATIOS_ANALYSER~CASA~F~
18.36 28.51 25.98 19.00 FINRATIOS_ANALYSER~ROE~F~
 ~YEAR_END~F~UNIT

OSS_NPA_PERCENT~F~UNITS
_ADVANCES~F~UNITS
NING_NPA_GROSS~T~UNITS
ITION_NPA_GROSS~T~UNITS
UCTION_NPA_GROSS~T~UNITS
_GROSS~T~UNITS
ITION_NPA_PROVISIONS~T~UNITS
UCTION_NPA_PROVISIONS~T~UNITS
AL_RWA~T~UNITS
EREST_WORKING_FUNDS~F~UNITS
N_INTERESR_WORKING_FUNDS~F~UNITS
RATIONAL_PROFITS_WORKING_FUN~F~UNITS

FITS_PER_EMPLOYEE~T~UNITS
NESS_PER_EMPLOYEE~T~UNITS
AR~F~UNITS
SITIVE_SECTOR~T~UNITS
L_ESTATE~T~UNITS
BLANK~F~UNITS
AL_CAR_B~F~UNITS
AR_B~F~UNITS
CAR_B~F~UNITS
GHTS~YIELD_ADV~F~1000000
GHTS~YIELD_INV~F~1000000
GHTS~MCAP~T~1000000
GHTS~BV~F~1000000
ER~CREDIT_DEPOSIT~F~
ER~INTERESTEXPENDED_INTERESTEARNED~F~
ER~CASA~F~
ER~ROE~F~
HDFC Bank Ltd. 3 4 5 6 7

Quarterly(Bank Format)
Date End 201806 201809 201812 201903 201906
Capital Adeqacy Ratio Basel III
Tier I Basel III
Tier 2 Basel III
Gross / Net NPA
Amount of Gross NPA
Amount of Net NPA
Percentage of Gross/Net NPA
% of Net NPAs 0.64 0.69 0.7 0.58 0.59
% of Gross NPAs 1.26 1.29 2.41 2.04 2.02
Return on Assets 4.3 2.9 5.2 4.2
Calculated EPS Annualised (Unit.Curr.)
CASA% 36.9 41.4 40.8 36.06
CASA Amount
NIM % 10.3 10.2 10.5 10.7 10.45
Provisions Coverage%
ATMs 476 480 481 485
Branches 938 978 999 999
Employees 30431 31115 32774 35468

% of Gross NPAs
% of Net NPAs
 8 9 10 11

RESULTS_QTR~
201909 201912 202003 202006 RESULTS_QTR~DATE_END~F~1000000
RESULTS_QTR~CAP_RATIO_PERCENT3~F~1000000
RESULTS_QTR~TIER1BASEL3~F~1000000
RESULTS_QTR~TIER2BASEL3~F~1000000
RESULTS_QTR~GROSS_NET_NPA~T~1000000
RESULTS_QTR~NPA_GROSS~T~1000000
RESULTS_QTR~NPA_NET~T~1000000
RESULTS_QTR~PERC_GROSS_NET_NPA~F~1000000
0.56 0.81 0.59 0.48 RESULTS_QTR~NPA_NET_PERC~F~1000000
1.76 1.93 1.43 1.43 RESULTS_QTR~NPA_GROSS_PERC~F~1000000
4.81 3.52 2.4 2.33 RESULTS_QTR~ROA~F~1000000
RESULTS_QTR~EPSANN~F~1000000
33 34.31 36.8 37.08 RESULTS_QTR~CASA~F~1000000
RESULTS_QTR~CASA_AMOUNT~T~1000000
8.15 7.91 8.1 8.15 RESULTS_QTR~NIM~F~1000000
RESULTS_QTR~PROVISION_COVERAGE~F~1000000
485 485 485 485 RESULTS_QTR~NOATMS~F~1000000
1000 1018 1018 1018 RESULTS_QTR~NOBRANCHES~F~1000000
35468 37331 41563 41563 RESULTS_QTR~NOEMPLOYESS~F~1000000
 D~F~1000000
O_PERCENT3~F~1000000
EL3~F~1000000
EL3~F~1000000
ET_NPA~T~1000000
OSS~T~1000000
~T~1000000
OSS_NET_NPA~F~1000000
_PERC~F~1000000
OSS_PERC~F~1000000

MOUNT~T~1000000

N_COVERAGE~F~1000000
~F~1000000
CHES~F~1000000
OYESS~F~1000000
Bandhan Bank 2 3 4 5 6 7 8 9 10
DESCRIPTION Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20
Interest Earned 1606.00 1649.00 1833.00 2361.00 2690.00 2718.00 2846.00
Income on Investments 160.00 151.00 156.00 229.00 195.00 201.00 247.00
Interest on Balances With RBI Other Inter Bank Funds 13.00 13.00 12.00 29.00 51.00 53.00 30.00
Interest / Discount on Advances / Bills 1400.00 1436.00 1594.00 2281.00 2370.00 2371.00 2463.00
Others 34.00 50.00 72.00 131.00 73.00 93.00 106.00
Other Income 230.00 234.00 338.00 331.00 361.00 358.00 500.00
Total Income 1836.00 1884.00 2220.00 2962.00 3051 3076 3346.00
Interest Expended 528.00 526.00 575.00 1056.00 1161.00 1177.00 1166.00
Operating Expenses 434.00 458.00 492.00 551.00 582.00 634.00 660.00
Operating Profit before Prov.& Cont. 874.00 900.00 1153.00 1355.00 1308.00 1265.00 1521.00
Exceptional Items
Provisions and Contingencies 125.00 378.00 153.00 125.00 146.00 292.00 827.00
PBT 750.00 523.00 1000.00 1230.00 1162.00 971.00 693.00
Tax 262.00 192.00 349.00 426.00 190.00 240.00 176.00
Profit After Tax 488.00 331.00 651.00 804.00 972.00 731.00 517.00
Extraordinary Items
Discontinued Operation (Net of tax )
Prior Period Items
Net Profit (after Extraodinary Items)

Minority Interest
Shares of Associates
Other related items
Misc. Expenses Written off
Consolidated Net Profit
Other Comprehensive Incomes (Net of tax )
Minority Interest Comprehensive Income
Total Comprehensive Income

Equity Capital
Face Value
Reserves and surplus

% of Shares held by Govt

Capital Adeqacy Ratio Basel II
Tier I Basel II
Tier 2 Basel II
Capital Adeqacy Ratio Basel III
Tier I Basel III
Tier 2 Basel III
Gross / Net NPA
Amount of Gross NPA
Amount of Net NPA
Percentage of Gross/Net NPA
% of Net NPAs
% of Gross NPAs
Return on Assets

Number of Public Share Holding

% of Public Share Holding

Basic EPS before Extraodinary Items

Basic EPS after Extraodinary Items
Calculated EPS (Unit.Curr.)
Calculated EPS Annualised (Unit.Curr.)
Adj Calculated EPS (Unit.Curr.)
Adj Calculated EPS Annualised (Unit.Curr.)
Diluted EPS before Extraodinary Items
Diluted EPS after Extraodinary Items

PBIDTM%
PBDTM%
PBTM%
PATM%

Promoters No of Shares
Pledged / Encumbered
Encumbered No of Shares
Encumbered % of Promoter Holdings
Encumbered % of Share Capital
Non Encumbered
Non Encumbered No of Shares
Non Encumbered % of Promoter Holdings
Non Encumbered % of Share Capital
NIM %
Provisions Coverage%
No of ATMs
No of Branches
No of Employees
Dividend (%)
Type
 11
Jun-20
3018
229
41
2621
126
387
3405
1207
614
1584

849
735
185
550
HDFC Bank Ltd. Quarterly-Y-O-Y(%)-Standalone- [INR-Crore] 2 3 4 5 6 7 8
DESCRIPTION Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19
Interest Earned
Income on Investments
Interest on Balances With RBI Other Inter Bank Funds
Interest / Discount on Advances / Bills
Others
Other Income
Total Income
Interest Expended
Net Interest Income
Operating Expenses
Operating Profit before Prov.& Cont.
Exceptional Items
Provisions and Contingencies
PBT
Tax
Profit After Tax
Extraordinary Items
Discontinued Operation (Net of tax )
Prior Period Items
Net Profit (after Extrodinary Items)
Other Comprehensive Incomes (Net of tax )
Minority Interest Comprehensive Income
Total Comprehensive Income

Equity Capital
Face Value (In Rs)
Reserves

% of Shares held by Govt

Capital Adeqacy Ratio Basel II
Tier I Basel II
Tier 2 Basel II
Capital Adeqacy Ratio Basel III
Tier I Basel III
Tier 2 Basel III
Gross / Net NPA
Amount of Gross NPA
Amount of Net NPA
Percentage of Gross/Net NPA
% of Net NPAs
% of Gross NPAs
Return on Assets

Number of Public Share Holding

% of Public Share Holding

Basic EPS before Extraordinary Items

Basic EPS after Extraordinary Items
Calculated EPS (Unit.Curr.)
Calculated EPS Annualised (Unit.Curr.)
Adj Calculated EPS (Unit.Curr.)
Adj Calculated EPS Annualised (Unit.Curr.)
Diluted EPS before Extraordinary Items
Diluted EPS after Extraordinary Items

PBIDTM%
PBDTM%
PBTM%
PATM%

Promoters No of Shares
Pledged / Encumbered
Encumbered No of Shares
Encumbered % of Promoter Holdings
Encumbered % of Share Capital
Non Encumbered
Non Encumbered No of Shares
Non Encumbered % of Promoter Holdings
Non Encumbered % of Share Capital
CASA%
CASA Amount
NIM %
Provisions Coverage%
No of ATMs
No of Branches
No of Employees
Dividend (%)
Type

Total Assets
 9
Mar-20