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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 28.0 -1.0 - View Chart
P/BV x 4.6 0.2 2,313.0% View Chart
Dividend Yield % 0.7 0.0 -  

Financials

 HDFC BANK   UNION BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-18
UNION BANK
Mar-18
HDFC BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs2,014205 982.4%   
Low Rs1,42586 1,657.0%   
Income per share (Unadj.) Rs328.7282.0 116.6%  
Earnings per share (Unadj.) Rs71.3-44.6 -159.9%  
Cash flow per share (Unadj.) Rs176.4-115.2 -153.1%  
Dividends per share (Unadj.) Rs13.000-  
Avg Dividend yield %0.80-  
Book value per share (Unadj.) Rs422.3216.1 195.4%  
Shares outstanding (eoy) m2,595.091,168.57 222.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x5.20.5 1,014.0%   
Avg P/E ratio x24.1-3.3 -739.0%  
Avg P/CF ratio x17.81.9 941.1%  
Avg Price/Bookvalue ratio x4.10.7 604.7%  
Dividend payout %18.20-   
Avg Mkt Cap Rs m4,462,257170,027 2,624.4%   
No. of employees `00088.337.6 234.8%   
Total wages & salary Rs m91,93933,322 275.9%   
Avg. income/employee Rs Th9,664.08,766.7 110.2%   
Avg. wages/employee Rs Th1,041.8886.5 117.5%   
Avg. net profit/employee Rs Th2,097.4-1,386.8 -151.2%   
INCOME DATA
Interest income Rs m852,878329,516 258.8%  
Other income Rs m160,56654,621 294.0%   
Interest expense Rs m423,815234,709 180.6%   
Net interest income Rs m429,06494,807 452.6%  
Operating expense Rs m239,27273,508 325.5%   
Gross profit Rs m189,79121,298 891.1%  
Gross profit margin %22.36.5 344.3%  
Provisions/contingencies Rs m65,718142,063 46.3%   
Profit before tax Rs m283,612-66,062 -429.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m5130-   
Prior Period Items Rs m50-   
Tax Rs m99,031-13,938 -710.5%   
Profit after tax Rs m185,100-52,125 -355.1%  
Net profit margin %21.7-15.8 -137.2%  
BALANCE SHEET DATA
Advances Rs m7,000,3382,905,715 240.9%   
Deposits Rs m7,883,7514,102,884 192.2%  
Credit/Deposit ratio x88.870.8 125.4%  
Yield on advances %9.77.9 122.9%   
Cost of deposits %4.25.3 79.0%   
Net Interest Margin %4.02.0 198.5%  
Net fixed assets Rs m38,10638,461 99.1%   
Share capital Rs m5,19011,686 44.4%   
Free reserves Rs m832,486228,925 363.7%   
Net worth Rs m1,095,991252,518 434.0%   
Borrowings Rs m1,564,421456,804 342.5%   
Investments Rs m2,384,6091,255,107 190.0%   
Total assets Rs m11,031,8624,911,464 224.6%  
Debt/equity ratio x8.618.1 47.7%   
Return on assets %1.7-1.1 -158.1%  
Return on equity %16.9-20.6 -81.8%  
Capital adequacy ratio %14.811.5 128.7%  
Net NPAs %0.48.4 4.8%  
CASH FLOW
From Operations Rs m172,14460,893 282.7%  
From Investments Rs m-8,522-3,068 277.8%  
From Financial Activity Rs m573,777107,919 531.7%  
Net Cashflow Rs m737,399165,744 444.9%  

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:   KOTAK MAH. BANK  BANDHAN BANK LTD  CANARA BANK  IDBI BANK  IDFC BANK LTD  

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



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