Message from the MD & CEO
Reimagining the future with technology and a service first culture

Sashidhar Jagdishan

Managing Director & Chief Executive Officer,
HDFC Bank Limited

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Our Presence
Unparalleled reach

HDFC Bank has a distribution network spanning the length and breadth of India. Our presence across the country, not only enables us to serve customers better, but also facilitates active participation in the Nation’s inclusive development agenda. The Bank’s overseas branches and representative offices help us serve NRI customers.

TOTAL BANKING OUTLETS*
21,683
TOTAL BRANCHES*
6,342^
TOTAL BUSINESS
CORRESPONDENTS (BCs)*
15,341
TOTAL ATMs + CASH DEPOSIT AND WITHDRAWAL MACHINES*
18,130

*As on March 31, 2022

^Including 4 overseas branches

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Key highlights

Financial

BALANCE SHEET SIZE
₹20,68,535 Cr
18.4%
NET PROFIT
₹36,961.3 Cr
18.8%
GROSS NON-PERFORMING ASSETS (NPAs)
1.17%
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Non-financial

CSR BENEFICIARIES*
9.6 Cr+
STATES BENEFITTED*
24+
TOTAL BANKING OUTLETS*
21,683

*As on March 31, 2022

Business Segments
Delivering world-class
banking experience
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Retail Banking

The Retail business focuses on serving the individuals, salaried and professional customers, micro and small-sized businesses, extremely small businesses like kirana stores, Self Help Groups (SHGs) and Non-resident Indians (NRIs).

Wholesale Banking

The Wholesale business focuses on serving Large Corporates, MNCs, Public Sector Enterprises, Emerging Corporates and Business Banking/SMEs.

Treasury

The Treasury is the custodian of the Bank’s cash/liquid assets and manages its investments in securities and other market instruments. It manages the liquidity and interest rate risks on the balance sheet and is also responsible for meeting statutory reserve requirements.

Environment
Achieve carbon neutrality by 2032

In June 2021, the Bank pledged to become carbon neutral by FY32.

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Digitisation
Digital Future-ready Bank

HDFC Bank has always been at the forefront of innovation in the Indian financial services industry.

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Emerging Growth Engine
Commercial and Rural Banking
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Our Value Creation Model

Financial Capital

  • Total Deposits: ₹15,59,217 Cr
  • Stockholder's Equity: ₹2,40,093 Cr
  • Borrowings: ₹1,84,817 Cr

Human Capital

  • Employee base: 1,41,579
  • Learning and Development initiatives
  • Employee engagement initiatives
  • Talent Management
  • Culture Ecosystem

Intellectual Capital

  • Digital Factory, Enterprise Factory and Enterprise IT
  • Credit policy and underwriting skills
  • Risk management framework
  • Collaboration with fin-techs and start-ups
  • Implementation framework on carbon neutrality

Social & Relationship Capital

  • Customers: 7.1 Cr+
  • CSR expenditure: `736 Cr
  • Aligning stakeholders with ESG
  • Partnership with Government

Natural Capital

  • Grid Electricity consumed: 364,135 MWh
  • Fossil Energy Consumed: 285,612 GJ
  • Paper consumed: 2,660.13 MT
  • Natural resource conservation initiatives
  • E waste handled through authorised recyclers: 212 MT

Manufactured Capital

  • Banking outlets - Branches + Business Correspondents (managed by CSCs and other BCs), ATMs.
  • Corporate office, data warehouse and others
  • IGBC certification of building and branch interiors

Products

Total Deposits

` 15,59,217 Cr

16.8%
Total Advances

` 13,68,821 Cr

20.8%
Share of Digital in total transactions

~93%

Net Interest Income

` 72,010 Cr

11%
Total Income

` 1,57,263 Cr

7.7%
Total Direct (CBDT) and Indirect taxes (GST & CBIC) collected for the Govt.

` 6,33,582.37 Cr

7.7%

Financial

  • Net Revenue: `1,01,519 Cr
  • Net Profit after tax: `36,961 Cr
  • Return on Asset: 2.03%
  • Return on Equity: 16.9%
  • Cost-to-income ratio: 36.9%

Human capital

  • Net Additions: 21,486
  • Women in workforce: 21.7%
    (Excludes sales officers and other non-supervisory staff)

Intellectual capital

  • Brand Value: $ 35.60 Billion^
  • Strengthening of core and creation of digital stack
  • Attracted market-leading skills in areas such as data analytics, IT, equities and advisory solutions

Social & relationship capital

  • BU Net Promoter Score:** 60
  • Customer Additions: 92 Lakh+
  • MSCI ESG Ratings Assessment: AA*

Natural capital

  • Loan proposals screened and approved through the SEMS framework: 861
  • Trees planted so far: 17.69 Lakh+
  • Water Conservation structures developed 10,500+

Manufactured capital

  • Total Banking Outlets and branches: 21,683 and 6,342 respectively
  • Cities/towns covered: 3,188
  • ATM + cash withdrawal/deposit machine: 18,130
  • Total Business Correspondents: 15,341
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Customer Centricity
Creating value for our customers

Customer Focus is one of the five core values of the Bank.

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Social - Community
Building resilient communities together

We believe businesses can only thrive if the communities in which they operate thrive as well.

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Social – People
Embarking on cultural transformation

At HDFC Bank, our culture and people are key enablers to continue creating value for our stakeholders.

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Strategy in Action
Our future-ready strategy

India is one of the fastest growing major economies and as one of the largest private
sector banks in India, we are well-positioned to capitalise on this opportunity. At HDFC
Bank, we continue to focus on executing our ten-pillar strategy across various
products and segments to create, catalyse and capture the next wave of growth. The
focus on our straregic pillars drives our consistent performance.

Customer lifecycle management

Customer acquisition

Delivery of products and services

Relationship management

Through 10 Pillars of growth

Government and Institutions Business

Digital Marketing

HDFC Bank edge for Corporate Cluster

Heartland: Commercial and Rural Banking Group

Retail Assets

Expanding Wealth Management

Leadership in the Payments Business

Technology and Digital

Reimagining the branch channel

Virtual Relationship Management (VRM)

Key enablers

Customer Service and Experienc

Strengthening Compliance

Effective Risk Management

Zero Paper, Zero Touch Operations

Culture

People: Learning and Development

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External Environment
Key external drivers and our response
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Risk Management
Robust and stress-tested framework
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Governance
The DNA of a responsible banker
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Full Integrated Report
Strategy in action
ESG
Director’s Report
Corporate Governance report
Financial Statements