Hdfc Bank Limited · NSE:HDFCBANK
Hdfc Bank — Q4 2022 Earnings Presentation
13 slides from Hdfc Bank's earnings presentation, Apr 16, 2022
Slide 1: Investor Presentation
Investor Presentation April 2022
Slide 2: HDFC Bank at a glance
HDFC Bank at a glance Prominence Market share Reach Social impact #1 11.2% >70 Mn ₹737 cr Private sector bank in India* Advances^ Customer base CSR spend US$ 100 + bn 9.5% 6.3K + > ₹45K cr Banking branches Contribution to exchequer Market capitalisation Deposits 140K + 46% 21K + 50% Banking outlets
Slide 3: Key highlights for the quarter
Key highlights for the quarter Gross advances increased by Net profit up by 22.8% to 20.7% to ₹ 13,805 Bn ₹ 100.55 Bn Deposits up by 16.8% to Gross NPA 1.17% of gross ₹15,592 Bn; CASA 48% advances Net interest margin^ at Net NPA 0.32% of net 4.2% advances Cost-to-income ratio at Capital adequacy rat
Slide 4: Network, customers and people
Network, customers and people Strong national footprint Customers and people 69 71 62 6K+ branches 50% Semi-urban and Rural branches 15K+ CSCs & BCs Mar'21 Dec'21 Mar'22 # of customers (Mn.) 1,41,579 1,34,412 6,342 1,20,093 5,608 5,779 Mar'21 Dec'21 Mar'22 Mar'21 Dec'21 Mar'22 Branches # of employee
Slide 5: Executed business growth
Executed business growth Loans Deposits 2.5x Rs. Bn. Rs. Bn. 2.4x 13,805 15,592 2.8x 2.6x 5,586 6,436 1,969 2,467 498 683 Mar'07 Mar'12 Mar'17 Mar'22 Mar'07 Mar'12 Mar'17 Mar'22 Rs. Bn. Rs. Bn. 15,592 13,805 14,459 12,722 13,351 11,433 21% 17% 16% 17% 14% 14% Mar'21 Dec'21 Mar'22 Mar'21 Dec'21 Mar'2
Slide 6: Well diversified loan book
Well diversified loan book Segment-wise loan mix Diversified retail loan mix 2% 10% 2% 26% 26% 39% 14% 19% 27% 35% PL AL Mort. Payments TW GL Other retail Retail CRB Wholesale Retail : Wholesale as per Basel – 44 : 56 PL – Personal loans; AL – Auto loans; Mort. – Mortgages incl. home loans; Payments
Slide 7: Efficiency in profitability
Efficiency in profitability Consistent NIM profile & stable NII contribution Cost to Income and fee mix NIM % Cost to Income % 6.0 70 5.5 65 5.0 4.5 4.4 4.4 60 4.2 4.4 4.3 4.3 4.4 4.3 4.5 4.1 4.0 55 49.7 49.6 4.0 50 45.6 44.6 44.3 43.4 3.5 45 41.0 39.7 38.6 3.0 40 36.3 36.9 2.5 35 2.0 30 1.5 25 1.0
Slide 8: Change in loan mix driving change in NII and NIM
Change in loan mix driving change in NII and NIM Loan Mix and RWA Density 80 57 57 Economic slow down Covid19 Pandemic 60 56 54 54 53 53 54 70 52 52 55 50 60 48 47 47 50 46 46 48 46 43 43 44 50 45 40 40 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY12 and FY13 RWA as per Basel II FY14 onw
Slide 9: Quality in growth and strong capital base
Quality in growth and strong capital base Well-managed asset quality Healthy capital level Cross cycle experience with stable asset quality (GNPA%) Capital Ratio % 6 25 5 18.5 18.8 18.9 20 16.8 16.8 17.1 16.5 16.1 15.5 4 14.6 14.8 15 3 10 2 1.3 1.4 1.3 1.3 1.2 1.0 1.0 1.0 0.9 0.9 1.1 1 5 0 0 Mar'12
Slide 10: Stable PAT Margin
Stable PAT Margin PAT Margin (%) 36 32 32 Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'20 Mar'21 Mar'22 10-year average PAT margin* of 33% *PAT margin – Ratio of Profit After Tax (PAT) to Net Revenue
Slide 11: Consistent performance across cycles
Consistent performance across cycles Profit after tax Rs. Bn. 2.1x 370 2.1x 175 85 Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'20 Mar'21 Mar'22 • 5-year CAGR of 20.5% • Constant growth in EPS (Rs. 33.9 in FY’18 to Rs. 66.8 in FY’22)
Slide 12: Balance sheet and capital productivity
Balance sheet and capital productivity Balance sheet productivity – Consistent RoA over long term Rs. Bn. 25,000 2.5 2.0 2.0 1.9 1.9 2.0 2.0 2.0 1.9 1.9 1.9 20,000 1.8 2.0 15,000 1.5 10,000 1.0 5,000 0.5 - 0.0 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 Assets RoA % Capital productivity –
Slide 13: Safe Harbour Statement
Safe Harbour Statement Certain statements are included in this release which contain words or phrases such as “will,” “aim,” “will likely result,” “believe,” “expect,” “will continue,” “anticipate,” “estimate,” “intend,” “plan,” “contemplate,” “seek to,” “future,” “objective,” “goal,” “project,” “sh