Risk means uncertainty of returns.

1. Prepared
By,
KrishnaKumar SN

2. Evaluating Risk and Return of Assets and Liabilities of
Financial Institution

3. Introduction

5. Types of Risks
 Business Risk
 Non-business Risk
 Financial Risk

6. Types of Financial Risks

9. Introduction

10. Types of Investment Products in
HDFC

11. Meaning of Liquidity

12. Formula for Current Ratio
 2015 = 00.4 or 4%
 2014 = 00.6 or 6%

13. Formula for Quick Ratio
 2015 = 12.66%
 2014 = 8.60%

14. Formula for Dividend Payout
Ratio
 2015 = 22.73%
 2014 = 22.05%

15. Formula for Retention Ratio
 2015 = 88%
 2014 = 89.14%

16. Formula for Dividend Per
Share
 2015 = nil
 2014 = nil

17. Formula for Operating Profit
 2015 = 75.91%
 2014 = 65.13%

18. Formula for Net Profit Ratio
 2015 = 21.09%
 2014 = 20.54%

19. Formula for Return on Assets
 2015 = 251.96
 2014 = 184.10

20. Formula for Return on Capital
Employed
 2015 = 10.85%
 2014 = 11.16%

21. Formula for Total Assets
Turnover Ratio
 2015 = 0.09 or 9%
 2014 = 0.09 or 9%

22. Formula for Total Debt to Total
Capital Ratio
 2015 = 7.13%
 2014 = 8.13%

23. Formula for Interest Coverage
Ratio
 2015 = 53.86%
 2014 = 55.09%

24. Formula for Cash Deposit
Ratio
 CDR = Cash in hand+balance with
RBI
Total deposit
 2015 = 6.41%
 2014 = 6.03%

25. Formula for Credit Deposit
Ratio
 Credit – Deposit= Total Advances
Ratio Total Deposits
 2015 = 85.50%
 2014 = 84.84%

26. Formula for Investment Deposit
Ratio
 Investment Deposit = Total
Investments Ratio
Total Deposits
 2015 = 34.73%
 2014 = 34.76%