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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 32.7 7.6 430.2% View Chart
P/BV x 5.4 0.8 713.8% View Chart
Dividend Yield % 0.6 0.0 -  

Financials

 HDFC BANK   PNB
EQUITY SHARE DATA
    HDFC BANK
Mar-17
PNB
Mar-17
HDFC BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs1,478159 927.2%   
Low Rs1,04372 1,448.6%   
Income per share (Unadj.) Rs285.9225.8 126.6%  
Earnings per share (Unadj.) Rs59.54.0 1,491.6%  
Cash flow per share (Unadj.) Rs156.5-17.4 -898.3%  
Dividends per share (Unadj.) Rs11.000-  
Avg Dividend yield %0.90-  
Book value per share (Unadj.) Rs358.2202.8 176.6%  
Shares outstanding (eoy) m2,562.552,127.97 120.4%   
Bonus/Rights/Conversions ESOPOI-  
Avg Price / Income ratio x4.40.5 860.5%   
Avg P/E ratio x21.229.0 73.0%  
Avg P/CF ratio x16.81.6 1,061.3%  
Avg Price/Bookvalue ratio x3.50.6 616.9%  
Dividend payout %18.50-   
Avg Mkt Cap Rs m3,230,094246,206 1,311.9%   
No. of employees `00084.373.9 114.1%   
Total wages & salary Rs m85,04754,823 155.1%   
Avg. income/employee Rs Th8,689.26,501.5 133.6%   
Avg. wages/employee Rs Th1,008.6741.7 136.0%   
Avg. net profit/employee Rs Th1,808.8114.9 1,574.6%   
INCOME DATA
Interest income Rs m732,714480,581 152.5%  
Other income Rs m128,77691,676 140.5%   
Interest expense Rs m380,416327,223 116.3%   
Net interest income Rs m352,298153,358 229.7%  
Operating expense Rs m207,51195,236 217.9%   
Gross profit Rs m144,78758,122 249.1%  
Gross profit margin %19.812.1 163.4%  
Provisions/contingencies Rs m39,908147,176 27.1%   
Profit before tax Rs m232,92115,401 1,512.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m367-520 -70.6%   
Prior Period Items Rs m230-   
Tax Rs m80,7816,390 1,264.2%   
Profit after tax Rs m152,5308,492 1,796.3%  
Net profit margin %20.81.8 1,178.2%  
BALANCE SHEET DATA
Advances Rs m5,854,8104,242,305 138.0%   
Deposits Rs m6,431,3436,296,509 102.1%  
Credit/Deposit ratio x91.067.4 135.1%  
Yield on advances %9.67.9 120.4%   
Cost of deposits %4.94.8 101.7%   
Net Interest Margin %4.22.2 192.1%  
Net fixed assets Rs m38,14762,978 60.6%   
Share capital Rs m5,1254,256 120.4%   
Free reserves Rs m702,033305,883 229.5%   
Net worth Rs m917,940431,649 212.7%   
Borrowings Rs m984,156433,360 227.1%   
Investments Rs m2,107,7711,915,272 110.1%   
Total assets Rs m8,923,4427,333,109 121.7%  
Debt/equity ratio x8.115.6 51.8%   
Return on assets %1.70.1 1,476.1%  
Return on equity %16.62.0 844.7%  
Capital adequacy ratio %14.612.4 117.4%  
Net NPAs %0.37.8 4.2%  
CASH FLOW
From Operations Rs m172,816219,380 78.8%  
From Investments Rs m-11,4771,588 -722.9%  
From Financial Activity Rs m-58,930-97,671 60.3%  
Net Cashflow Rs m102,409123,297 83.1%  

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:   VIJAYA BANK  SOUTH IND.BANK  ICICI BANK  CANARA BANK  AXIS BANK  

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



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

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Nov 7, 2017

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Jan 19, 2018 (Close)

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