HDFC BANK LIMITED GROUP

BALANCE SHEET AS AT 31-03-2006

(Rs. lacs)
As at As at
CAPITAL AND LIABILITIES Schedule 31-03-2006 31-03-2005

Capital 1 282,05 281,37

Reserves and Surplus 2 1,962,78 1,660,91

Employee’s Stock Options (Grants) Outstanding 19(4) 6,91 9,05

Deposits 3 22,376,07 17,653,81

Borrowings 4 2,084,65 1,823,02

Subordinated Debt 19(4) 200,00 200,00

Other Liabilities 5 3,511,62 2,159,22

Total 30,424,08 23,787,33

ASSETS

Cash and Balances with Reserve Bank of India 6 2,081,91 1,211,17

Balance with Banks and Money at call and Short Notice 7 1,087,26 2,247,02

Investments 8, 19(9) 13,338,08 12,004,02

Advances 9 11,754,86 6,813,72

Fixed Assets 10 528,58 371,10

Other Assets 11 1,633,08 1,140,35

Total 30,424,08 23,787,33

 HDFC BANK LIMITED GROUP

BALANCE SHEET AS AT 31-03-2005

(Rs. lacs)
As at As at
CAPITAL AND LIABILITIES Schedule 31-03-2005 31-03-2004

Capital 1 281,37 243,60

Reserves and Surplus 2 1,660,91 669.49

Employee’s Stock Options (Grants) Outstanding 19(4) 9,05 10,67

Deposits 3 17,653,81 11,658,11

Borrowings 4 1,823,02 1,232,90

Subordinated Debt 19(4) 200,00 200,00

Other Liabilities 5 2,159,22 1,602,56

Total 23,787,33 15,617,33

ASSETS

Cash and Balances with Reserve Bank of India 6 1,211,17 986,35

Balance with Banks and Money at call and Short Notice 7 2,247,02 1,636,06

Investments 8 12,004,02 7,145,14

Advances 9 6,813,72 4,636,66

Fixed Assets 10 371,10 289,74

Other Assets 11 1,140,35 923,38

Total 23,787,33 15,617,33

 HDFC BANK LIMITED GROUP

BALANCE SHEET AS AT 31-03-2004

(Rs. lacs)
As at As at
CAPITAL AND LIABILITIES Schedule 31-03-2004 31-03-2003

Capital 1 243,60 243,28

Reserves and Surplus 2 669.49 508,24

Employee’s Stock Options (Grants) Outstanding 19(4) 10,67 13,58

Deposits 3 11,658,11 8,427,72

Borrowings 4 1,232,90 1,428,78

Subordinated Debt 19(4) 200,00 150,00

Other Liabilities 5 1,602,56 959,47

Total 15,617,33 11,731,03

ASSETS

Cash and Balances with Reserve Bank of India 6 986,35 849,82

Balance with Banks and Money at call and Short Notice 7 1,636,06 767,82

Investments 8 7,145,14 5,748,28

Advances 9 4,636,66 3,462,34

Fixed Assets 10 289,74 236,76

Other Assets 11 923,38 666,01

Total 15,617,33 11,731,03

 PROFIT AND LOSS ACCOUNT

FOR THE YEAR ENDED 31, MARCH, 2006

(Rs. Lacs)
Schedule Year ended Year ended
I INCOME 31-03-2006 31-3-2005

Interest earned 13 2,022,97 1,702,99

Other income 14 473,10 333,25

Total 2,496,07 2,035,24

II EXPENDITURE

Interest expended 15 1,191,96 1,073,74

Operating Expenses 16 591,83 417,95

Provisions and Contingencies 424,68 247,51

Total 2,108,47 1,739,20

III PROFIT

Net Profit for the Year 387,60 297,04

III APPROPRIATIONS

Transfer to Statutory Reserve 69,90 74,26

Proposed Dividend 84,95 70,34

Tax on Dividend 10,88

Transfer to General Reserve 38,76 29,71

Transfer to/from Investments Fluctuation 97,18

Reserve

Transfer to Debenture Redemption Reserve 9,54

Balance carried forward to Balance Sheet 156,01 16,01

Total 387,60 297,04

 PROFIT AND LOSS ACCOUNT

FOR THE YEAR ENDED 31, MARCH, 2005

(Rs. Lacs)
I INCOME Schedule Year ended Year ended
31-03-2005 31-03-2004

Interest earned 13 1,702,99 1`,259,46

Other income 14 333,25 185,33

Total 2,035,24 1,444,99

II EXPENDITURE

Interest expended 15 1,073,74 753,75

Operating Expenses 16 417,95 30959

Provisions and Contingencies 247,51 171,53

Total 1,739,20 1,234,87

III PROFIT

Net Profit for the Year 297,04 210,12

III APPROPRIATIONS

Transfer to Statutory Reserve 74,26 52,53

Proposed Dividend 70,34 48,72

Tax on Dividend 497

Transfer to General Reserve 29,71

Transfer to/from Investments Fluctuation 97,18 1,26

Reserve

Transfer to Debenture Redemption Reserve 9,54 20

Balance carried forward to Balance Sheet 16,01 329,80

Total 297,04 434,95

 PROFIT AND LOSS ACCOUNT

FOR THE YEAR ENDED 31, MARCH, 2004

(Rs. Lacs)
I INCOME Schedule Year ended Year ended
31-03-2004 31-03-2003

Interest earned 13 1`,259,46 679,87

Other income 14 185,33 125,35

Total 1,444,99 805,22

II EXPENDITURE

Interest expended 15 753,75 374,28

Operating Expenses 16 30959 171,39

Provisions and Contingencies 171,53 139,51

Total 1,234,87 685,18

III PROFIT

Net Profit for the Year 210,12 120,04

III APPROPRIATIONS

Transfer to Statutory Reserve 52,53 30,01

Proposed Dividend 48,72 32,39

Tax on Dividend 497 382

Transfer to General Reserve

Transfer to/from Investments Fluctuation

Reserve 1,26 59

Transfer to Debenture Redemption Reserve 20

Balance carried forward to Balance Sheet 329,80 224,84

Total 434,96 291,95