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Compare HDFC Bank with SBI - Equitymaster

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HDFC BANK vs SBI - 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

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    HDFC BANK SBI HDFC BANK/
SBI
 
P/E (TTM) x 29.6 23.4 126.4% View Chart
P/BV x 5.5 0.9 607.9% View Chart
Dividend Yield % 0.6 1.0 54.0%  

Financials

 HDFC BANK   SBI
EQUITY SHARE DATA
    HDFC BANK
Mar-17
SBI
Mar-17
HDFC BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs1,478294 502.2%   
Low Rs1,043167 626.1%   
Income per share (Unadj.) Rs285.9289.0 98.9%  
Earnings per share (Unadj.) Rs59.50.3 19,676.4%  
Cash flow per share (Unadj.) Rs156.534.6 452.4%  
Dividends per share (Unadj.) Rs11.002.60 423.1%  
Avg Dividend yield %0.91.1 77.3%  
Book value per share (Unadj.) Rs358.2272.4 131.5%  
Shares outstanding (eoy) m2,562.557,974.33 32.1%   
Bonus/Rights/Conversions ESOPOI-  
Avg Price / Income ratio x4.40.8 552.8%   
Avg P/E ratio x21.2761.8 2.8%  
Avg P/CF ratio x16.83.0 562.0%  
Avg Price/Bookvalue ratio x3.50.8 415.9%  
Dividend payout %18.5859.5 2.2%   
Avg Mkt Cap Rs m3,230,0941,837,684 175.8%   
No. of employees `00084.3209.6 40.2%   
Total wages & salary Rs m85,047356,912 23.8%   
Avg. income/employee Rs Th8,689.210,996.4 79.0%   
Avg. wages/employee Rs Th1,008.61,703.1 59.2%   
Avg. net profit/employee Rs Th1,808.811.5 15,714.2%   
INCOME DATA
Interest income Rs m732,7142,304,475 31.8%  
Other income Rs m128,776681,930 18.9%   
Interest expense Rs m380,4161,491,147 25.5%   
Net interest income Rs m352,298813,328 43.3%  
Operating expense Rs m207,511872,901 23.8%   
Gross profit Rs m144,787-59,573 -243.0%  
Gross profit margin %19.8-2.6 -764.4%  
Provisions/contingencies Rs m39,908612,909 6.5%   
Profit before tax Rs m232,9219,448 2,465.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m3673,386 10.8%   
Prior Period Items Rs m232,933 0.8%   
Tax Rs m80,78113,355 604.9%   
Profit after tax Rs m152,5302,412 6,323.0%  
Net profit margin %20.80.1 19,886.7%  
BALANCE SHEET DATA
Advances Rs m5,854,81018,968,868 30.9%   
Deposits Rs m6,431,34325,998,107 24.7%  
Credit/Deposit ratio x91.073.0 124.8%  
Yield on advances %9.68.3 115.7%   
Cost of deposits %4.95.3 91.2%   
Net Interest Margin %4.22.5 163.8%  
Net fixed assets Rs m38,147509,407 7.5%   
Share capital Rs m5,1257,974 64.3%   
Free reserves Rs m702,0332,163,948 32.4%   
Net worth Rs m917,9402,171,922 42.3%   
Borrowings Rs m984,1563,363,657 29.3%   
Investments Rs m2,107,77110,272,809 20.5%   
Total assets Rs m8,923,44234,451,216 25.9%  
Debt/equity ratio x8.113.5 59.8%   
Return on assets %1.70 24,411.6%  
Return on equity %16.60.1 14,960.8%  
Capital adequacy ratio %14.613.6 107.3%  
Net NPAs %0.33.7 8.9%  
CASH FLOW
From Operations Rs m172,816774,060 22.3%  
From Investments Rs m-11,477-28,321 40.5%  
From Financial Activity Rs m-58,930-41,965 140.4%  
Net Cashflow Rs m102,409703,774 14.6%  

Share Holding

Indian Promoters % 22.6 58.6 38.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 20.9 47.4%  
FIIs % 34.1 9.7 351.5%  
ADR/GDR % 17.0 2.1 809.5%  
Free float % 16.4 8.7 188.5%  
Shareholders   415,166 855,889 48.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   KOTAK MAH. BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  ING VYSYA BANK  KARUR VYSYA BANK  

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



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May 22, 2018 (Close)

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