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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    HDFC BANK PNB HDFC BANK/
PNB
 
P/E (TTM) x 29.4 -19.1 - View Chart
P/BV x 6.0 0.6 960.0% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 HDFC BANK   PNB
EQUITY SHARE DATA
    HDFC BANK
Mar-16
PNB
Mar-16
HDFC BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs1,128167 675.8%   
Low Rs92971 1,302.7%   
Income per share (Unadj.) Rs249.8258.7 96.6%  
Earnings per share (Unadj.) Rs50.6-19.6 -258.7%  
Cash flow per share (Unadj.) Rs135.9-60.5 -224.6%  
Dividends per share (Unadj.) Rs9.500-  
Avg Dividend yield %0.90-  
Book value per share (Unadj.) Rs293.9212.9 138.0%  
Shares outstanding (eoy) m2,528.191,963.60 128.8%   
Bonus/Rights/Conversions ESOPPI-  
Avg Price / Income ratio x4.10.5 894.2%   
Avg P/E ratio x20.3-6.1 -333.7%  
Avg P/CF ratio x16.51.8 911.3%  
Avg Price/Bookvalue ratio x3.50.6 625.5%  
Dividend payout %18.80-   
Avg Mkt Cap Rs m2,599,864233,865 1,111.7%   
No. of employees `00087.670.8 123.7%   
Total wages & salary Rs m63,06165,645 96.1%   
Avg. income/employee Rs Th7,213.97,175.6 100.5%   
Avg. wages/employee Rs Th720.2927.2 77.7%   
Avg. net profit/employee Rs Th1,462.1-542.8 -269.4%   
INCOME DATA
Interest income Rs m631,616508,039 124.3%  
Other income Rs m112,11769,766 160.7%   
Interest expense Rs m340,696343,306 99.2%   
Net interest income Rs m290,920164,733 176.6%  
Operating expense Rs m178,319103,499 172.3%   
Gross profit Rs m112,60161,234 183.9%  
Gross profit margin %17.812.1 147.9%  
Provisions/contingencies Rs m29,608167,633 17.7%   
Profit before tax Rs m194,715-52,931 -367.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m197-1,797 -11.0%   
Prior Period Items Rs m370-   
Tax Rs m66,937-16,299 -410.7%   
Profit after tax Rs m128,013-38,430 -333.1%  
Net profit margin %20.3-7.6 -267.9%  
BALANCE SHEET DATA
Advances Rs m4,872,9044,460,830 109.2%   
Deposits Rs m5,458,7335,703,826 95.7%  
Credit/Deposit ratio x89.378.2 114.1%  
Yield on advances %9.88.4 117.2%   
Cost of deposits %5.35.4 99.5%   
Net Interest Margin %4.22.4 176.7%  
Net fixed assets Rs m34,79753,081 65.6%   
Share capital Rs m5,0563,927 128.8%   
Free reserves Rs m568,152295,310 192.4%   
Net worth Rs m743,041418,043 177.7%   
Borrowings Rs m717,635816,737 87.9%   
Investments Rs m1,616,8331,651,265 97.9%   
Total assets Rs m7,302,6187,127,930 102.5%  
Debt/equity ratio x8.315.6 53.3%   
Return on assets %1.8-0.5 -325.1%  
Return on equity %17.2-9.2 -187.4%  
Capital adequacy ratio %15.513.7 113.7%  
Net NPAs %0.38.6 3.3%  
CASH FLOW
From Operations Rs m-76,769141,670 -54.2%  
From Investments Rs m-8,656-13,515 64.0%  
From Financial Activity Rs m110,56759,747 185.1%  
Net Cashflow Rs m25,142187,902 13.4%  

Share Holding

Indian Promoters % 22.6 58.9 38.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 18.7 52.9%  
FIIs % 34.1 17.2 198.3%  
ADR/GDR % 17.0 0.0 -  
Free float % 16.4 5.3 309.4%  
Shareholders   415,166 215,441 192.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   ANDHRA BANK  SYNDICATE BANK  CORPORATION BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



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