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HDFC BANK We understand your world 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 AUDITED STANDALONE FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30 , 2021 Quarter ended Half year ended Particulars 30.09.2021 Audited ( Refer note 5 ) 30.06.2021 Unaudited 30.09.2020 Audited 30.09.2021 Audited 30.09.2020 Audited ( in lac ) Year ended 31.03.2021 Audited ( Refer note 5 ) Interest Earned ( a ) + ( b ) + ( c ) + ( d ) 1 a ) Interest discount on advances / bills b ) Income on investments 3135337 3048297 2997697 6183634 6035494 12085823 2411494 2359273 2340485 4770767 4744222 9483454 645064 649314 561839 1294378 1121603 2321427 c ) Interest on balances with Reserve Bank of India and other 69090 30283 84156 99373 146804 234125 2345 inter - bank funds d ) Others Other Income Total Income ( 1 ) + ( 2 ) 9689 9427 11217 19116 740079 628850 609245 1368929 22865 1016776 3875416 3677147 3606942 7552563 7052270 46817 2520489 14606312 Interest Expended 5 Operating Expenses ( i ) + ( ii ) i ) Employees cost ii ) Other operating expenses 1366898 1347401 1420058 2714299 2891313 5597866 927789 816043 805506 1743832 1496652 3272262 296705 276558 254238 573263 505582 1036479 631084 539485 551268 1170569 991070 2235783 60 Total Expenditure ( 4 ) + ( 5 ) ( excluding Provisions and 2294687 2163444 2225564 4458131 4387965 8870128 Contingencies ) 7 Operating Profit before Provisions and Contingencies ( 3 ) - ( 6 ) 1580729 1513703 1381378 3094432 2664305 5736184 8 Provisions ( other than tax ) and Contingencies 392466 483084 370350 875550 759502 1570285 9 Exceptional Items 10 Profit / ( Loss ) from Ordinary Activities before tax ( 7 ) - ( 8 ) - ( 9 ) 1188263 1030619 1011028 2218882 1904803 4165899 11 Tax Expense 304832 257655 259717 562487 487630 1054246 12 Net Profit / ( Loss ) from Ordinary Activities after tax ( 10 ) - ( 11 ) 883431 772964 751311 1656395 1417173 3111653 13 Extraordinary items ( net of tax expense ) 14 Net Profit / ( Loss ) for the period ( 12 ) - ( 13 ) 883431 772964 751311 1656395 1417173 3111653 15 Paid up equity share capital ( Face Value of 1 / - each ) 55375 55267 55037 55375 55037 16 Reserves excluding revaluation reserves 55128 20316953 17 Analytical Ratios and other disclosures : ( i ) Percentage of shares held by Government of India Nil ( ii ) Capital Adequacy Ratio 20.0 % Nil 19.1 % Nil 19.1 % Nil 20.0 % Nil 19.1 % Nil 18.8 % ( iii ) Earnings per share ( EPS ) ( * ) ( Face Value of 1 / - each ) : ( a ) Basic EPS before & after extraordinary items ( net of tax expense ) - not annualized 16.0 14.0 13.7 30.0 25.8 56.6 ( b ) Diluted EPS before & after extraordinary items ( net of tax expense ) - not annualized 15.9 13.9 13.6 29.8 25.7 56.3 ( iv ) NPA Ratios : ( a ) Gross NPAs ( b ) Net NPAs ( c ) % of Gross NPAs to Gross Advances ( d ) % of Net NPAs to Net Advances ( v ) Return on assets ( average ) - not annualized ( vi ) Net worth ( vii ) Outstanding redeemable preference shares ( viii ) Capital redemption reserve 1634607 1709851 1130460 1634607 1130460 1508600 475509 548580 175608 475509 175608 455482 1.35 % 1.47 % 1.08 % 1.35 % 1.08 % 1.32 % 0.40 % 0.48 % 0.17 % 0.40 % 0.17 % 0.40 % 0.50 % 0.45 % 0.48 % 21283028 20343590 18100984 0.95 % 21283028 0.92 % 1.97 % 18100984 19860103 ( ix ) Debt - equity ratio ( x ) Total debts to total assets 0.24 8.12 % 0.21 7.48 % 0.30 8.24 % 0.24 8.12 % 0.30 8.24 % 0.30 7.76 % - Debt represents borrowings with residual maturity of more than one year . Total debts represents total borrowings of the Bank . Regd . Office : HDFC Bank Ltd. , HDFC Bank House , Senapati Bapat Marg , Lower Parel ( West ) , Mumbai - 400013 .