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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 -0.7 30.1 - View Chart
P/BV x 0.2 5.2 3.0% View Chart
Dividend Yield % 0.0 0.6 -  

Financials

 INDIAN OVERSEAS BANK   HDFC BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
HDFC BANK
Mar-17
INDIAN OVERSEAS BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs481,478 3.2%   
Low Rs211,043 2.0%   
Income per share (Unadj.) Rs130.1285.9 45.5%  
Earnings per share (Unadj.) Rs-18.759.5 -31.5%  
Cash flow per share (Unadj.) Rs-32.1156.5 -20.5%  
Dividends per share (Unadj.) Rs011.00 0.0%  
Avg Dividend yield %00.9 0.0%  
Book value per share (Unadj.) Rs86.7358.2 24.2%  
Shares outstanding (eoy) m1,807.272,562.55 70.5%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.34.4 6.0%   
Avg P/E ratio x-1.821.2 -8.6%  
Avg P/CF ratio x1.916.8 11.4%  
Avg Price/Bookvalue ratio x0.43.5 11.2%  
Dividend payout %018.5 0.0%   
Avg Mkt Cap Rs m61,9893,230,094 1.9%   
No. of employees `000NA84.3 0.0%   
Total wages & salary Rs m33,90485,047 39.9%   
Avg. income/employee Rs ThNM8,689.2-  
Avg. wages/employee Rs ThNM1,008.6-  
Avg. net profit/employee Rs ThN.A.1,808.8-  
INCOME DATA
Interest income Rs m235,173732,714 32.1%  
Other income Rs m25,283128,776 19.6%   
Interest expense Rs m181,346380,416 47.7%   
Net interest income Rs m53,827352,298 15.3%  
Operating expense Rs m50,255207,511 24.2%   
Gross profit Rs m3,572144,787 2.5%  
Gross profit margin %1.519.8 7.7%  
Provisions/contingencies Rs m66,13639,908 165.7%   
Profit before tax Rs m-42,179232,921 -18.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0367 0.0%   
Prior Period Items Rs m023 0.0%   
Tax Rs m-8,30880,781 -10.3%   
Profit after tax Rs m-33,872152,530 -22.2%  
Net profit margin %-14.420.8 -69.2%  
BALANCE SHEET DATA
Advances Rs m1,608,6075,854,810 27.5%   
Deposits Rs m2,245,1426,431,343 34.9%  
Credit/Deposit ratio x71.691.0 78.7%  
Yield on advances %10.49.6 108.3%   
Cost of deposits %7.24.9 148.7%   
Net Interest Margin %2.14.2 49.3%  
Net fixed assets Rs m32,70538,147 85.7%   
Share capital Rs m18,0735,125 352.6%   
Free reserves Rs m89,452702,033 12.7%   
Net worth Rs m156,658917,940 17.1%   
Borrowings Rs m271,833984,156 27.6%   
Investments Rs m791,8962,107,771 37.6%   
Total assets Rs m2,744,3688,923,442 30.8%  
Debt/equity ratio x16.18.1 198.9%   
Return on assets %-1.21.7 -72.2%  
Return on equity %-21.616.6 -130.1%  
Capital adequacy ratio %9.714.6 66.4%  
Net NPAs %11.90.3 3,603.0%  
CASH FLOW
From Operations Rs m-15,515172,816 -9.0%  
From Investments Rs m-2,536-11,477 22.1%  
From Financial Activity Rs m-8,472-58,930 14.4%  
Net Cashflow Rs m-26,523102,409 -25.9%  

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:   VIJAYA BANK  AXIS BANK  BANK OF INDIA  ALLAHABAD BANK  CITY UNION BANK  

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



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