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v3.22.2

Segment information (Tables) | 12 Months Ended
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Mar. 31, 2022
Schedule of Segment Reporting Information, by Segment | Summarized segment information for the years ended March 31, 2020, March 31, 2021 and March 31, 2022:
|  | Fiscal year ended March 31, |
|  | 2020 |  |  | 2021 |
|  | Retail Banking |  |  | Wholesale Banking |  |  | Treasury Services |  |  | Total |  |  | Retail Banking |  |  | Wholesale Banking |  |  | Treasury Services |  |  | Total |
|  | (In millions) |
Net interest income/ (expense) (external) |  | Rs. | 356,017.3 |  |  | Rs. | 204,725.8 |  |  | Rs. | 32,784.3 |  |  | Rs. | 593,527.4 |  |  | Rs. | 361,343.5 |  |  | Rs. | 278,431.0 |  |  | Rs. | 43,912.0 |  |  | Rs. | 683,686.5 |
Net interest income/ (expense) (internal) |  |  | 127,065.9 |  |  |  | (101,002.5 | ) |  |  | (26,063.4 | ) |  |  | — |  |  |  | 176,420.0 |  |  |  | (143,863.7 | ) |  |  | (32,556.3 | ) |  |  | — |
Net interest revenue |  |  | 483,083.2 |  |  |  | 103,723.3 |  |  |  | 6,720.9 |  |  |  | 593,527.4 |  |  |  | 537,763.5 |  |  |  | 134,567.3 |  |  |  | 11,355.7 |  |  |  | 683,686.5 |
Less: Provision for credit losses |  |  | 104,516.8 |  |  |  | 13,105.1 |  |  |  | — |  |  |  | 117,621.9 |  |  |  | 145,822.0 |  |  |  | 8,411.4 |  |  |  | — |  |  |  | 154,233.4 |
Net interest revenue, after provision for credit losses |  |  | 378,566.4 |  |  |  | 90,618.2 |  |  |  | 6,720.9 |  |  |  | 475,905.5 |  |  |  | 391,941.5 |  |  |  | 126,155.9 |  |  |  | 11,355.7 |  |  |  | 529,453.1 |
Non-interest revenue |  |  | 161,890.1 |  |  |  | 36,059.1 |  |  |  | 269.8 |  |  |  | 198,219.0 |  |  |  | 175,447.7 |  |  |  | 72,420.1 |  |  |  | 5,107.9 |  |  |  | 252,975.7 |
Non-interest expense |  |  | (278,605.8 | ) |  |  | (27,774.0 | ) |  |  | (1,900.7 | ) |  |  | (308,280.5 | ) |  |  | (306,461.1 | ) |  |  | (34,238.4 | ) |  |  | (1,902.8 | ) |  |  | (342,602.3 | )
Income before income tax |  | Rs. | 261,850.7 |  |  | Rs. | 98,903.3 |  |  | Rs. | 5,090.0 |  |  | Rs. | 365,844.0 |  |  | Rs. | 260,928.1 |  |  | Rs. | 164,337.6 |  |  | Rs. | 14,560.8 |  |  | Rs. | 439,826.5 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  | Rs. | 105,480.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Rs. | 113,820.1 |
Segment assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Segment total assets |  | Rs. | 8,353,762.3 |  |  | Rs. | 5,933,391.4 |  |  | Rs. | 1,674,735.4 |  |  | Rs. | 15,961,889.1 |  |  | Rs. | 9,356,987.2 |  |  | Rs. | 7,011,959.9 |  |  | Rs. | 1,610,834.9 |  |  | Rs. | 17,979,782.0 |
|  | Fiscal year ended March 31, |
|  | 2022 |
|  | Retail Banking |  |  | Wholesale Banking |  |  | Treasury Services |  |  | Total |  |  | Total |
|  | (In millions) |
Net interest income/(expense) (external) |  | Rs. | 418,823.0 |  |  | Rs. | 297,694.0 |  |  | Rs. | 32,322.5 |  |  | Rs. | 748,839.5 |  |  | US$ | 9,869.9 |
Net interest income/(expense) (internal) |  |  | 141,001.2 |  |  |  | (113,339.0 | ) |  |  | (27,662.2 | ) |  |  | — |  |  |  | — |
Net interest revenue |  |  | 559,824.2 |  |  |  | 184,355.0 |  |  |  | 4,660.3 |  |  |  | 748,839.5 |  |  |  | 9,869.9 |
Less: Provision for credit losses |  |  | 122,622.6 |  |  |  | 4,356.9 |  |  |  | — |  |  |  | 126,979.5 |  |  |  | 1,673.6 |
Net interest revenue, after provision for credit losses |  |  | 437,201.6 |  |  |  | 179,998.1 |  |  |  | 4,660.3 |  |  |  | 621,860.0 |  |  |  | 8,196.3 |
Non-interest revenue |  |  | 203,468.5 |  |  |  | 55,813.2 |  |  |  | 11,292.5 |  |  |  | 270,574.2 |  |  |  | 3,566.3 |
Non-interest expense |  |  | (345,321.5 | ) |  |  | (25,544.1 | ) |  |  | (2,406.4 | ) |  |  | (373,272.0 | ) |  |  | (4,920.0 | )
Income before income tax |  | Rs. | 295,348.6 |  |  | Rs. | 210,267.2 |  |  | Rs. | 13,546.4 |  |  | Rs. | 519,162.2 |  |  | US$ | 6,842.6 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  | Rs. | 132,559.2 |  |  | US$ | 1,747.2 |
Segment assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Segment total assets |  | Rs. | 11,384,802.9 |  |  | Rs. | 8,106,671.0 |  |  | Rs. | 1,622,231.6 |  |  | Rs. | 21,113,705.5 |  |  | US$ | 278,287.9 |

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -URI https://asc.fasb.org/extlink&oid=126901519&loc=d3e8736-108599 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -URI https://asc.fasb.org/extlink&oid=126901519&loc=d3e8813-108599 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 350 -SubTopic 20 -Section 50 -Paragraph 1 -URI https://asc.fasb.org/extlink&oid=121556970&loc=d3e13816-109267 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI https://asc.fasb.org/extlink&oid=126901519&loc=d3e8906-108599 + Details
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