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Compare HDFC Bank with ICICI Bank - Equitymaster
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HDFC BANK vs ICICI BANK - 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

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    HDFC BANK ICICI BANK HDFC BANK/
ICICI BANK
 
P/E (TTM) x 30.1 22.9 131.5% View Chart
P/BV x 5.2 2.0 266.5% View Chart
Dividend Yield % 0.6 0.8 74.8%  

Financials

 HDFC BANK   ICICI BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-17
ICICI BANK
Mar-17
HDFC BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs1,478293 505.1%   
Low Rs1,043215 485.6%   
Income per share (Unadj.) Rs285.9104.8 272.8%  
Earnings per share (Unadj.) Rs59.517.5 339.7%  
Cash flow per share (Unadj.) Rs156.576.1 205.6%  
Dividends per share (Unadj.) Rs11.002.50 440.0%  
Avg Dividend yield %0.91.0 88.6%  
Book value per share (Unadj.) Rs358.2179.9 199.1%  
Shares outstanding (eoy) m2,562.555,814.77 44.1%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x4.42.4 182.1%   
Avg P/E ratio x21.214.5 146.3%  
Avg P/CF ratio x16.85.5 304.6%  
Avg Price/Bookvalue ratio x3.51.4 249.6%  
Dividend payout %18.514.3 129.5%   
Avg Mkt Cap Rs m3,230,0941,475,207 219.0%   
No. of employees `00084.381.1 103.9%   
Total wages & salary Rs m85,04778,933 107.7%   
Avg. income/employee Rs Th8,689.27,511.5 115.7%   
Avg. wages/employee Rs Th1,008.6972.9 103.7%   
Avg. net profit/employee Rs Th1,808.81,255.8 144.0%   
INCOME DATA
Interest income Rs m732,714609,400 120.2%  
Other income Rs m128,776524,577 24.5%   
Interest expense Rs m380,416348,358 109.2%   
Net interest income Rs m352,298261,042 135.0%  
Operating expense Rs m207,511481,700 43.1%   
Gross profit Rs m144,787-220,658 -65.6%  
Gross profit margin %19.8-36.2 -54.6%  
Provisions/contingencies Rs m39,908165,825 24.1%   
Profit before tax Rs m232,921138,094 168.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m367-11,520 -3.2%   
Prior Period Items Rs m230-   
Tax Rs m80,78124,690 327.2%   
Profit after tax Rs m152,530101,884 149.7%  
Net profit margin %20.816.7 124.5%  
BALANCE SHEET DATA
Advances Rs m5,854,8105,153,173 113.6%   
Deposits Rs m6,431,3435,125,873 125.5%  
Credit/Deposit ratio x91.0100.5 90.6%  
Yield on advances %9.68.2 117.1%   
Cost of deposits %4.94.5 107.2%   
Net Interest Margin %4.22.9 143.7%  
Net fixed assets Rs m38,14793,380 40.9%   
Share capital Rs m5,12511,651 44.0%   
Free reserves Rs m702,033581,559 120.7%   
Net worth Rs m917,9401,046,320 87.7%   
Borrowings Rs m984,1561,882,868 52.3%   
Investments Rs m2,107,7713,045,017 69.2%   
Total assets Rs m8,923,4429,860,427 90.5%  
Debt/equity ratio x8.16.7 120.6%   
Return on assets %1.71.0 165.4%  
Return on equity %16.69.7 170.6%  
Capital adequacy ratio %14.617.4 83.7%  
Net NPAs %0.35.4 6.1%  
CASH FLOW
From Operations Rs m172,816526,355 32.8%  
From Investments Rs m-11,477-16,057 71.5%  
From Financial Activity Rs m-58,930-354,695 16.6%  
Net Cashflow Rs m102,409155,603 65.8%  

Share Holding

Indian Promoters % 22.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 23.1 42.9%  
FIIs % 34.1 40.0 85.3%  
ADR/GDR % 17.0 29.2 58.3%  
Free float % 16.4 7.8 210.3%  
Shareholders   415,166 585,463 70.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   PUNJAB & SIND BANK  ALLAHABAD BANK  AXIS BANK  KARUR VYSYA BANK  PNB  

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



Today's Market

Indian Indices Trade Marginally Higher; IT Stocks Witness Buying Interest(11:30 am)

Stock markets in India are presently trading marginally higher. Sectoral indices are trading on a mixed note with stocks in the IT sector and consumer durables sector witnessing maximum buying interest.

Related Views on News

HDFC Bank: Loan Growth Camouflages Bad Loan Risks (Quarterly Results Update - Detailed)

Jan 22, 2018

The bank delivers a consistent performance with net profits growing by 20%. However, bad loans have risen considerably and would be the key things to watch out for going forward.

HDFC Bank: Growth Steady Even as NPA Provisions Double (Quarterly Results Update - Detailed)

Oct 26, 2017

Despite provisioning increasing by 97%, the bank reports a strong net profit growth of 20%.

ICICI Bank: Stake Sale in Insurance Subsidiary Aids Bottomline (Quarterly Results Update - Detailed)

Nov 7, 2017

The net profits of the company fell by 33% YoY during the quarter. The company is undergoing an RBI audit, and the divergences as reported by RBI will be the key thing to watch out for going ahead.

ICICI Bank: Loan Slippages Trending Downwards (Quarterly Results Update - Detailed)

Aug 10, 2017

Asset quality will be the key thing to watch out for going forward.

IDFC Bank: One-Off Trading Loss, Expansion Pull Down Profits (Quarterly Results Update - Detailed)

Feb 8, 2018

IDFC Bank's profits hit by trading loss and higher investments to build network.

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