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CONSOLIDATED STATEMENTS OF INCOME
₨ in Millions, $ in Millions
12 Months Ended
Mar. 31, 2015
INR (₨)
₨ / shares
Mar. 31, 2015
USD ($)
$ / shares
Mar. 31, 2014
INR (₨)
₨ / shares
Mar. 31, 2013
INR (₨)
₨ / shares
Interest and dividend revenue:        
Loans ₨ 388,264.7 $ 6,231.2 ₨ 326,755.3 ₨ 271,730.5
Trading securities 5,123.4 82.2 5,883.4 5,780.0
Available for sale securities 94,129.1 1,510.7 77,497.1 66,554.2
Other 13,270.0 213.0 12,075.5 9,813.8
Total interest and dividend revenue 500,787.2 8,037.1 422,211.3 353,878.5
Interest expense:        
Deposits 227,321.9 3,648.2 187,574.7 163,092.7
Short-term borrowings 6,944.6 111.5 18,075.0 13,888.4
Long-term debt 29,948.0 480.6 23,976.6 19,556.9
Other 396.4 6.4 12.9 264.0
Total interest expense 264,610.9 4,246.7 229,639.2 196,802.0
Net interest revenue 236,176.3 3,790.4 192,572.1 157,076.5
Provision for credit losses 17,000.2 272.8 17,428.1 12,688.0
Net interest revenue after provision for credit losses 219,176.1 3,517.6 175,144.0 144,388.5
Non-interest revenue, net:        
Fees and commissions 71,423.6 1,146.3 60,314.1 53,989.6
Trading securities gain/(loss), net 698.1 11.2 (345.1) 105.0
Realized gain/(loss) on sales of available for sale securities, net 5,167.9 82.9 1,755.7 2,227.8
Other than temporary impairment losses on available for sale securities (1.8) 0.0 (664.7) (1,546.3)
Foreign exchange transactions 9,358.0 150.2 9,010.5 9,727.0
Derivatives gain/(loss), net (7,393.0) (118.6) 119.5 241.9
Other, net 568.7 9.1 644.5 432.4
Total non-interest revenue, net 79,821.5 1,281.1 70,834.5 65,177.4
Total revenue, net 298,997.6 4,798.7 245,978.5 209,565.9
Non-interest expense:        
Salaries and staff benefits 66,909.4 1,073.9 57,550.3 53,954.1
Premises and equipment 20,499.2 329.0 18,722.8 17,391.4
Depreciation and amortization 6,905.8 110.8 6,980.3 6,686.2
Administrative and other 50,439.6 809.6 39,436.2 37,254.9
Amortization of intangible assets 219.0 3.5 1,538.5 2,304.5
Total non-interest expense 144,973.0 2,326.8 124,228.1 117,591.1
Income before income tax 154,024.6 2,471.9 121,750.4 91,974.8
Income tax expense [1] 54,519.9 875.0 42,304.2 29,840.1
Net income before noncontrolling interest 99,504.7 1,596.9 79,446.2 62,134.7
Less: Net income attributable to shareholders of noncontrolling interest 267.0 4.3 126.5 315.3
Net income attributable to HDFC Bank Limited ₨ 99,237.7 $ 1,592.6 ₨ 79,319.7 ₨ 61,819.4
Per share information:        
Earnings per equity share-basic | (per share) ₨ 40.94 $ 0.66 ₨ 33.18 ₨ 26.18
Earnings per equity share-diluted | (per share) 40.55 0.65 32.94 25.91
Per ADS information (where 1 ADS represents 3 shares):        
Earnings per ADS-basic | (per share) 122.82 1.98 99.54 78.54
Earnings per ADS-diluted | (per share) 121.65 1.95 98.82 77.73
Dividends declared per equity share | (per share) ₨ 8.00 $ 0.13 ₨ 6.85 ₨ 5.50
[1] Does not include the deferred tax effects of unrealized gains and losses on available for sale securities that are included in accumulated other comprehensive income of Rs. (3,771.9) million, Rs. 6,310.3 million and Rs. (11,425.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Includes income tax effects on reclassification adjustment on gains and losses on available for sale securities included in net income reclassified from accumulated other comprehensive income of Rs. 103.8 million, Rs. 10.0 million and Rs. (69.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Further, pretax income and income tax expense are substantially from India.