HDFC Bank Balance Sheet Health
Financial Health criteria checks 6/6
HDFC Bank has total assets of ₹41,517.9B and total equity of ₹4,972.3B. Total deposits are ₹24,963.2B, and total loans are ₹25,857.1B. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are ₹2,663.9B.
Key information
8.3x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | ₹24.96t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | ₹2.66t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HDB's Assets to Equity ratio (8.3x) is low.
Allowance for Bad Loans: HDB has a sufficient allowance for bad loans (133%).
Low Risk Liabilities: 68% of HDB's liabilities are made up of primarily low risk sources of funding.
Loan Level: HDB has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: HDB's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: HDB has an appropriate level of bad loans (1.3%).