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Compare HDFC Bank with Union Bank - Equitymaster
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HDFC BANK vs UNION 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    HDFC BANK UNION BANK HDFC BANK/
UNION BANK
 
P/E (TTM) x 29.3 15.1 193.7% View Chart
P/BV x 6.0 0.4 1,682.0% View Chart
Dividend Yield % 0.5 1.5 36.0%  

Financials

 HDFC BANK   UNION BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-16
UNION BANK
Mar-16
HDFC BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs1,128223 506.9%   
Low Rs929104 892.2%   
Income per share (Unadj.) Rs249.8470.1 53.1%  
Earnings per share (Unadj.) Rs50.619.7 256.5%  
Cash flow per share (Unadj.) Rs135.967.4 201.7%  
Dividends per share (Unadj.) Rs9.501.95 487.2%  
Avg Dividend yield %0.91.2 77.4%  
Book value per share (Unadj.) Rs293.9335.3 87.7%  
Shares outstanding (eoy) m2,528.19687.44 367.8%   
Bonus/Rights/Conversions ESOPPI-  
Avg Price / Income ratio x4.10.3 1,184.9%   
Avg P/E ratio x20.38.3 245.5%  
Avg P/CF ratio x16.52.1 767.7%  
Avg Price/Bookvalue ratio x3.50.5 718.4%  
Dividend payout %18.89.9 189.9%   
Avg Mkt Cap Rs m2,599,864112,259 2,316.0%   
No. of employees `00087.635.5 246.8%   
Total wages & salary Rs m63,06137,681 167.4%   
Avg. income/employee Rs Th7,213.99,109.9 79.2%   
Avg. wages/employee Rs Th720.21,062.2 67.8%   
Avg. net profit/employee Rs Th1,462.1382.5 382.2%   
INCOME DATA
Interest income Rs m631,616323,157 195.5%  
Other income Rs m112,117393,443 28.5%   
Interest expense Rs m340,696238,940 142.6%   
Net interest income Rs m290,92084,216 345.4%  
Operating expense Rs m178,31967,159 265.5%   
Gross profit Rs m112,60117,057 660.1%  
Gross profit margin %17.85.3 337.8%  
Provisions/contingencies Rs m29,60838,682 76.5%   
Profit before tax Rs m194,71517,769 1,095.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m19790 218.4%   
Prior Period Items Rs m370-   
Tax Rs m66,9374,291 1,559.9%   
Profit after tax Rs m128,01313,569 943.5%  
Net profit margin %20.34.2 482.7%  
BALANCE SHEET DATA
Advances Rs m4,872,9042,682,496 181.7%   
Deposits Rs m5,458,7333,441,175 158.6%  
Credit/Deposit ratio x89.378.0 114.5%  
Yield on advances %9.88.8 111.0%   
Cost of deposits %5.36.4 83.2%   
Net Interest Margin %4.22.2 195.0%  
Net fixed assets Rs m34,79739,519 88.1%   
Share capital Rs m5,0566,874 73.6%   
Free reserves Rs m568,152200,761 283.0%   
Net worth Rs m743,041230,481 322.4%   
Borrowings Rs m717,635306,366 234.2%   
Investments Rs m1,616,833905,732 178.5%   
Total assets Rs m7,302,6184,073,646 179.3%  
Debt/equity ratio x8.316.3 51.1%   
Return on assets %1.80.3 526.3%  
Return on equity %17.25.9 292.6%  
Capital adequacy ratio %15.511.1 139.4%  
Net NPAs %0.35.3 5.3%  
CASH FLOW
From Operations Rs m-76,76982,741 -92.8%  
From Investments Rs m-8,656-8,718 99.3%  
From Financial Activity Rs m110,567-3,886 -2,845.6%  
Net Cashflow Rs m25,14270,138 35.8%  

Share Holding

Indian Promoters % 22.6 60.1 37.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 16.6 59.6%  
FIIs % 34.1 8.5 401.2%  
ADR/GDR % 17.0 0.0 -  
Free float % 16.4 14.8 110.8%  
Shareholders   415,166 235,817 176.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   J&K BANK  CORPORATION BANK  SBI  SYNDICATE BANK  ICICI BANK  

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



Today's Market

Recovery of Global Markets, Apex Frozen Food IPO & Cues to Watch Out Today(Pre-Open)

Indian stock markets remained range-bound in lacklustre trade on Tuesday as market participants kept to the sidelines in the absence of clear triggers.

Related Views on News

HDFC Bank: Asset Quality Deteriorates due to Farm Loan Waiver (Quarterly Results Update - Detailed)

Jul 25, 2017

Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.

HDFC Bank: Solid Performance Amidst a Difficult Environment (Quarterly Results Update - Detailed)

May 3, 2017

Personal Loans and Credit Cards help HDFC bank report a robust set of numbers over the fourth quarter and for the financial year 2017.

SBI: Asset Quality and Slow Credit Remain Achilles' Heel (Quarterly Results Update - Detailed)

Aug 22, 2017

State Bank of India (SBI) continues to battle sliding asset quality and sluggish credit growth.

IDFC Bank: Strong Trading Income Shields Credit Slowdown (Quarterly Results Update - Detailed)

Aug 10, 2017

IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.

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.

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Aug 22, 2017 (Close)

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