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HDFC BANK We understand your world Quarter ended 31.12.2020 30.09.2020 Particulars Unaudited Audited HDFC BANK LIMITED CIN : L65920MH1994PLC080618 Sandoz House , Shivsagar Estate , Dr. Annie Besant Road , Worli , Mumbai 400 018 . Website : https://www.hdfcbank.com , Tel .: 022- 6652 1000 , Fax : 022-2496 0739 UNAUDITED STANDALONE FINANCIAL RESULTS FOR THE QUARTER AND NINE MONTHS ENDED DECEMBER 31 , 2020 ( in lac ) Year ended 31.03.2020 Audited 31.12.2019 Unaudited Nine Months ended 31.12.2020 31.12.2019 Unaudited Unaudited ( Refer note 4 ) 1 b ) Income on investments Interest Earned ( a ) + ( b ) + ( c ) + ( d ) a ) Interest discount on advances / bills c ) Interest on balances with Reserve Bank of India and other inter 3007970 2997697 2358069 2340485 2936972 2342463 9043464 8492759 11481265 7102291 6774330 9178788 583191 561839 520314 1704794 1554262 2063332 55834 84156 60829 202638 119991 182893 2345 bank funds d ) Others Other Income Total Income ( 1 ) + ( 2 ) 10876 11217 744322 609245 3752292 3606942 13366 666928 3603900 33741 1761098 10804562 44176 1722825 10215584 56252 2326082 13807347 Interest Expended 5 Operating Expenses ( i ) + ( ii ) i ) Employees cost ii ) Other operating expenses 6 Total Expenditure ( 4 ) + ( 5 ) ( excluding Provisions and 1376209 1420058 1519682 4267522 4394540 5862640 857481 805506 789677 2354133 2241971 3069752 263012 254238 245496 768594 702741 952567 594469 551268 544181 1585539 1539230 2117185 2233690 2225564 2309359 6621655 6636511 8932392 Contingencies ) 7 Operating Profit before Provisions and Contingencies ( 3 ) - ( 6 ) 1518602 1381378 1294541 4182907 3579073 4874955 8 Provisions ( other than tax ) and Contingencies 341413 370350 304356 1100915 835790 1214239 9 Exceptional Items 10 Profit / ( Loss ) from Ordinary Activities before tax ( 7 ) - ( 8 ) - ( 9 ) 1177189 1011028 990185 3081992 2743283 3660716 11 Tax Expense 301360 259717 248537 788990 810320 1034984 12 Net Profit / ( Loss ) from Ordinary Activities after tax ( 10 ) - ( 11 ) 875829 751311 741648 2293002 1932963 2625732 13 Extraordinary items ( net of tax expense ) 14 Net Profit / ( Loss ) for the period ( 12 ) - ( 13 ) 875829 751311 741648 2293002 1932963 2625732 15 Paid up equity share capital ( Face Value of 1 / - each ) 55077 55037 54770 55077 54770 16 Reserves excluding revaluation reserves 17 Analytical Ratios ( i ) Percentage of shares held by Government of India ( ii ) Capital Adequacy Ratio 54833 17043769 Nil 18.9 % Nil 19.1 % Nil 18.5 % Nil 18.9 % Nil 18.5 % Nil 18.5 % ( iii ) Earnings per share ( EPS ) ( * ) ( Face Value of 1 / - each ) ( a ) Basic EPS before & after extraordinary items ( net of tax expense ) - not annualized 15.9 13.7 13.5 41.7 35.4 48.0 ( b ) Diluted EPS before & after extraordinary items ( net of tax expense ) - not annualized 15.8 13.6 13.4 41.5 35.1 47.7 ( iv ) NPA Ratios ( a ) Gross NPAs 882556 1130460 1342725 ( b ) Net NPAs 101599 175608 446835 882556 101599 1342725 1264997 446835 354236 ( c ) % of Gross NPAs to Gross Advances 0.81 % 1.08 % 1.42 % 0.81 % 1.42 % 1.26 % ( d ) % of Net NPAs to Net Advances 0.09 % 0.17 % 0.48 % 0.09 % 0.48 % 0.36 % ( v ) Return on assets ( average ) - not annualized 0.55 % 0.48 % 0.55 % 1.47 % 1.51 % 2.01 % Regd . Office : HDFC Bank Ltd. , HDFC Bank House , Senapati Bapat Marg , Lower Parel ( West ) , Mumbai - 400013 .