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Compare HDFC Bank with Bank of Baroda - Equitymaster
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HDFC BANK vs BANK OF BARODA - Comparison Results

HDFC BANK    Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    HDFC BANK BANK OF BARODA HDFC BANK/
BANK OF BARODA
 
P/E (TTM) x 32.9 32.7 100.6% View Chart
P/BV x 5.4 0.9 616.9% View Chart
Dividend Yield % 0.6 0.7 77.0%  

Financials

 HDFC BANK   BANK OF BARODA
EQUITY SHARE DATA
    HDFC BANK
Mar-17
BANK OF BARODA
Mar-17
HDFC BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs1,478192 771.2%   
Low Rs1,043128 812.3%   
Income per share (Unadj.) Rs285.9191.9 149.0%  
Earnings per share (Unadj.) Rs59.57.8 760.1%  
Cash flow per share (Unadj.) Rs156.517.1 913.1%  
Dividends per share (Unadj.) Rs11.001.20 916.7%  
Avg Dividend yield %0.90.7 116.4%  
Book value per share (Unadj.) Rs358.2185.8 192.8%  
Shares outstanding (eoy) m2,562.552,317.83 110.6%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x4.40.8 528.6%   
Avg P/E ratio x21.220.4 103.6%  
Avg P/CF ratio x16.83.3 509.3%  
Avg Price/Bookvalue ratio x3.50.9 408.6%  
Dividend payout %18.515.3 120.6%   
Avg Mkt Cap Rs m3,230,094370,911 870.9%   
No. of employees `00084.352.4 160.9%   
Total wages & salary Rs m85,04748,887 174.0%   
Avg. income/employee Rs Th8,689.28,484.1 102.4%   
Avg. wages/employee Rs Th1,008.6932.6 108.1%   
Avg. net profit/employee Rs Th1,808.8346.2 522.4%   
INCOME DATA
Interest income Rs m732,714444,735 164.8%  
Other income Rs m128,77679,368 162.3%   
Interest expense Rs m380,416295,957 128.5%   
Net interest income Rs m352,298148,777 236.8%  
Operating expense Rs m207,511103,498 200.5%   
Gross profit Rs m144,78745,279 319.8%  
Gross profit margin %19.810.2 194.1%  
Provisions/contingencies Rs m39,90894,404 42.3%   
Profit before tax Rs m232,92131,019 750.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m367-400 -91.8%   
Prior Period Items Rs m230-   
Tax Rs m80,78112,469 647.8%   
Profit after tax Rs m152,53018,150 840.4%  
Net profit margin %20.84.1 510.1%  
BALANCE SHEET DATA
Advances Rs m5,854,8103,922,623 149.3%   
Deposits Rs m6,431,3436,172,569 104.2%  
Credit/Deposit ratio x91.063.5 143.3%  
Yield on advances %9.67.3 131.7%   
Cost of deposits %4.94.5 108.7%   
Net Interest Margin %4.22.2 192.4%  
Net fixed assets Rs m38,14759,297 64.3%   
Share capital Rs m5,1254,621 110.9%   
Free reserves Rs m702,033212,918 329.7%   
Net worth Rs m917,940430,676 213.1%   
Borrowings Rs m984,156312,420 315.0%   
Investments Rs m2,107,7711,407,164 149.8%   
Total assets Rs m8,923,4427,192,205 124.1%  
Debt/equity ratio x8.115.1 53.6%   
Return on assets %1.70.3 677.4%  
Return on equity %16.64.2 394.3%  
Capital adequacy ratio %14.612.2 118.9%  
Net NPAs %0.34.7 7.0%  
CASH FLOW
From Operations Rs m172,816178,648 96.7%  
From Investments Rs m-11,477-5,506 208.4%  
From Financial Activity Rs m-58,930-1,983 2,972.4%  
Net Cashflow Rs m102,409171,159 59.8%  

Share Holding

Indian Promoters % 22.6 56.3 40.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 16.6 59.7%  
FIIs % 34.1 15.6 218.3%  
ADR/GDR % 17.0 0.0 -  
Free float % 16.4 11.5 142.1%  
Shareholders   415,166 180,376 230.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   CITY UNION BANK  DHANLAXMI BANK  IDBI BANK  INDIAN OVERSEAS BANK  INDUSIND BANK  

Compare HDFC BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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