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ChangeWith 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
IndusInd Bank Limited (IBL) started in April 94 with a capital base of Rs. 3 bn. The net worth of the bank witnessed an impressive growth during the past six years and now stands at Rs. 8 bn. The total deposits and advancesof the bank in FY04 grew by... More
| HDFC BANK | INDUSIND BANK | HDFC BANK/ INDUSIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 29.3 | 28.9 | 101.3% | View Chart |
| P/BV | x | 6.0 | 5.5 | 109.3% | View Chart |
| Dividend Yield | % | 0.5 | 0.3 | 196.0% |
 HDFC BANK  INDUSIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| HDFC BANK Mar-16 |
INDUSIND BANK Mar-16 |
HDFC BANK/ INDUSIND BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 1,128 | 986 | 114.4% | |
| Low | Rs | 929 | 828 | 112.2% | |
| Income per share (Unadj.) | Rs | 249.8 | 194.6 | 128.4% | |
| Earnings per share (Unadj.) | Rs | 50.6 | 38.4 | 131.8% | |
| Cash flow per share (Unadj.) | Rs | 135.9 | 108.7 | 125.0% | |
| Dividends per share (Unadj.) | Rs | 9.50 | 4.50 | 211.1% | |
| Avg Dividend yield | % | 0.9 | 0.5 | 186.2% | |
| Book value per share (Unadj.) | Rs | 293.9 | 297.2 | 98.9% | |
| Shares outstanding (eoy) | m | 2,528.19 | 594.99 | 424.9% | |
| Bonus/Rights/Conversions | ESOP | - | - | ||
| Avg Price / Income ratio | x | 4.1 | 4.7 | 88.3% | |
| Avg P/E ratio | x | 20.3 | 23.6 | 86.0% | |
| Avg P/CF ratio | x | 16.5 | 18.2 | 90.4% | |
| Avg Price/Bookvalue ratio | x | 3.5 | 3.1 | 114.6% | |
| Dividend payout | % | 18.8 | 11.7 | 160.2% | |
| Avg Mkt Cap | Rs m | 2,599,864 | 539,745 | 481.7% | |
| No. of employees | `000 | 87.6 | 23.1 | 379.7% | |
| Total wages & salary | Rs m | 63,061 | 12,361 | 510.2% | |
| Avg. income/employee | Rs Th | 7,213.9 | 5,022.0 | 143.6% | |
| Avg. wages/employee | Rs Th | 720.2 | 536.0 | 134.4% | |
| Avg. net profit/employee | Rs Th | 1,462.1 | 991.5 | 147.5% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 631,616 | 115,807 | 545.4% | |
| Other income | Rs m | 112,117 | 32,970 | 340.1% | |
| Interest expense | Rs m | 340,696 | 70,641 | 482.3% | |
| Net interest income | Rs m | 290,920 | 45,166 | 644.1% | |
| Operating expense | Rs m | 178,319 | 36,721 | 485.6% | |
| Gross profit | Rs m | 112,601 | 8,445 | 1,333.4% | |
| Gross profit margin | % | 17.8 | 7.3 | 244.5% | |
| Provisions/contingencies | Rs m | 29,608 | 6,722 | 440.5% | |
| Profit before tax | Rs m | 194,715 | 34,693 | 561.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 197 | 0 | - | |
| Prior Period Items | Rs m | 37 | 0 | - | |
| Tax | Rs m | 66,937 | 11,828 | 565.9% | |
| Profit after tax | Rs m | 128,013 | 22,865 | 559.9% | |
| Net profit margin | % | 20.3 | 19.7 | 102.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 4,872,904 | 884,193 | 551.1% | |
| Deposits | Rs m | 5,458,733 | 930,004 | 587.0% | |
| Credit/Deposit ratio | x | 89.3 | 95.1 | 93.9% | |
| Yield on advances | % | 9.8 | 10.5 | 93.7% | |
| Cost of deposits | % | 5.3 | 6.1 | 87.0% | |
| Net Interest Margin | % | 4.2 | 3.5 | 121.5% | |
| Net fixed assets | Rs m | 34,797 | 12,553 | 277.2% | |
| Share capital | Rs m | 5,056 | 5,950 | 85.0% | |
| Free reserves | Rs m | 568,152 | 142,889 | 397.6% | |
| Net worth | Rs m | 743,041 | 176,822 | 420.2% | |
| Borrowings | Rs m | 717,635 | 221,559 | 323.9% | |
| Investments | Rs m | 1,616,833 | 312,143 | 518.0% | |
| Total assets | Rs m | 7,302,618 | 1,400,570 | 521.4% | |
| Debt/equity ratio | x | 8.3 | 6.5 | 127.6% | |
| Return on assets | % | 1.8 | 1.6 | 107.4% | |
| Return on equity | % | 17.2 | 12.9 | 133.2% | |
| Capital adequacy ratio | % | 15.5 | 15.5 | 100.2% | |
| Net NPAs | % | 0.3 | 0.4 | 77.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -76,769 | -67,879 | 113.1% | |
| From Investments | Rs m | -8,656 | -2,575 | 336.1% | |
| From Financial Activity | Rs m | 110,567 | 63,782 | 173.4% | |
| Net Cashflow | Rs m | 25,142 | -6,673 | -376.8% | |
| Indian Promoters | % | 22.6 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 15.2 | - | |
| Indian inst/Mut Fund | % | 9.9 | 7.5 | 132.0% | |
| FIIs | % | 34.1 | 43.3 | 78.8% | |
| ADR/GDR | % | 17.0 | 12.3 | 138.2% | |
| Free float | % | 16.4 | 21.7 | 75.6% | |
| Shareholders | 415,166 | 100,355 | 413.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare HDFC BANK With: CANARA BANK ANDHRA BANK J&K BANK KARNATAKA BANK VIJAYA BANK
Compare HDFC BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Indian share markets continued to trade just above the dotted line in the afternoon session in a lackluster day of trading. At the closing bell, the BSE Sensex closed higher by 33 points.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
Personal Loans and Credit Cards help HDFC bank report a robust set of numbers over the fourth quarter and for the financial year 2017.
State Bank of India (SBI) continues to battle sliding asset quality and sluggish credit growth.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
Asset quality will be the key thing to watch out for going forward.
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