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Compare Indian Overseas Bank with HDFC Bank - Equitymaster

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INDIAN OVERSEAS BANK vs HDFC 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

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Current Valuations

    INDIAN OVERSEAS BANK HDFC BANK INDIAN OVERSEAS BANK/
HDFC BANK
 
P/E (TTM) x -0.3 28.5 - View Chart
P/BV x 0.1 4.9 2.8% View Chart
Dividend Yield % 0.0 0.6 -  

Financials

 INDIAN OVERSEAS BANK   HDFC BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-18
HDFC BANK
Mar-18
INDIAN OVERSEAS BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs322,014 1.6%   
Low Rs171,425 1.2%   
Income per share (Unadj.) Rs36.6328.7 11.1%  
Earnings per share (Unadj.) Rs-12.971.3 -18.1%  
Cash flow per share (Unadj.) Rs-36.1176.4 -20.5%  
Dividends per share (Unadj.) Rs013.00 0.0%  
Avg Dividend yield %00.8 0.0%  
Book value per share (Unadj.) Rs27.1422.3 6.4%  
Shares outstanding (eoy) m4,890.772,595.09 188.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.75.2 12.9%   
Avg P/E ratio x-1.924.1 -8.0%  
Avg P/CF ratio x1.517.8 8.2%  
Avg Price/Bookvalue ratio x0.94.1 22.4%  
Dividend payout %018.2 0.0%   
Avg Mkt Cap Rs m120,8024,462,257 2.7%   
No. of employees `00027.988.3 31.7%   
Total wages & salary Rs m29,94291,939 32.6%   
Avg. income/employee Rs Th6,412.99,664.0 66.4%   
Avg. wages/employee Rs Th1,071.81,041.8 102.9%   
Avg. net profit/employee Rs Th-2,255.02,097.4 -107.5%   
INCOME DATA
Interest income Rs m179,152852,878 21.0%  
Other income Rs m37,464160,566 23.3%   
Interest expense Rs m124,476423,815 29.4%   
Net interest income Rs m54,676429,064 12.7%  
Operating expense Rs m55,849239,272 23.3%   
Gross profit Rs m-1,174189,791 -0.6%  
Gross profit margin %-0.722.3 -2.9%  
Provisions/contingencies Rs m145,93065,718 222.1%   
Profit before tax Rs m-86,317283,612 -30.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0513 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m-23,32299,031 -23.6%   
Profit after tax Rs m-62,995185,100 -34.0%  
Net profit margin %-35.221.7 -162.0%  
BALANCE SHEET DATA
Advances Rs m1,324,8887,000,338 18.9%   
Deposits Rs m2,168,3187,883,751 27.5%  
Credit/Deposit ratio x61.188.8 68.8%  
Yield on advances %9.09.7 93.4%   
Cost of deposits %5.34.2 127.5%   
Net Interest Margin %2.44.0 59.4%  
Net fixed assets Rs m28,93438,106 75.9%   
Share capital Rs m48,9085,190 942.3%   
Free reserves Rs m69,912832,486 8.4%   
Net worth Rs m132,7401,095,991 12.1%   
Borrowings Rs m92,2811,564,421 5.9%   
Investments Rs m686,4592,384,609 28.8%   
Total assets Rs m2,479,68111,031,862 22.5%  
Debt/equity ratio x17.08.6 197.6%   
Return on assets %-2.51.7 -151.4%  
Return on equity %-47.516.9 -281.0%  
Capital adequacy ratio %9.314.8 62.5%  
Net NPAs %15.30.4 3,832.5%  
CASH FLOW
From Operations Rs m-17,933172,144 -10.4%  
From Investments Rs m-1,151-8,522 13.5%  
From Financial Activity Rs m52,303573,777 9.1%  
Net Cashflow Rs m33,220737,399 4.5%  

Share Holding

Indian Promoters % 73.8 22.6 326.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 9.9 154.5%  
FIIs % 1.9 34.1 5.6%  
ADR/GDR % 0.0 17.0 -  
Free float % 9.1 16.4 55.5%  
Shareholders   250,609 415,166 60.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   KARNATAKA BANK  ALLAHABAD BANK  AXIS BANK  UNITED BANK OF INDIA  UNION BANK  

Compare INDIAN OVERSEAS BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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