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Compare Karur Vysya Bank with HDFC Bank - Equitymaster
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KARUR VYSYA BANK vs HDFC BANK - Comparison Results

KARUR VYSYA BANK    Change

The Karur Vysya Bank Ltd. has been ranked as one of the top five banks in the private sector. The bank has a strong hold in the South with a total of 216 branches across the nation as on 31st March 2004. It is one of the oldest private sector banks o... More

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

    KARUR VYSYA BANK HDFC BANK KARUR VYSYA BANK/
HDFC BANK
 
P/E (TTM) x 13.7 29.2 47.1% View Chart
P/BV x 2.0 6.0 33.0% View Chart
Dividend Yield % 9.5 0.5 1,739.3%  

Financials

 KARUR VYSYA BANK   HDFC BANK
EQUITY SHARE DATA
    KARUR VYSYA BANK
Mar-15
HDFC BANK
Mar-16
KARUR VYSYA BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs6191,128 54.9%   
Low Rs355929 38.2%   
Income per share (Unadj.) Rs443.7249.8 177.6%  
Earnings per share (Unadj.) Rs40.650.6 80.3%  
Cash flow per share (Unadj.) Rs91.7135.9 67.5%  
Dividends per share (Unadj.) Rs13.009.50 136.8%  
Avg Dividend yield %2.70.9 288.9%  
Book value per share (Unadj.) Rs349.1293.9 118.8%  
Shares outstanding (eoy) m121.622,528.19 4.8%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x1.14.1 26.7%   
Avg P/E ratio x12.020.3 59.0%  
Avg P/CF ratio x6.116.5 36.8%  
Avg Price/Bookvalue ratio x1.43.5 39.9%  
Dividend payout %32.018.8 170.5%   
Avg Mkt Cap Rs m59,2352,599,864 2.3%   
No. of employees `0007.287.6 8.2%   
Total wages & salary Rs m5,47163,061 8.7%   
Avg. income/employee Rs Th7,497.47,213.9 103.9%   
Avg. wages/employee Rs Th760.1720.2 105.5%   
Avg. net profit/employee Rs Th686.91,462.1 47.0%   
INCOME DATA
Interest income Rs m53,959631,616 8.5%  
Other income Rs m5,808112,117 5.2%   
Interest expense Rs m39,300340,696 11.5%   
Net interest income Rs m14,659290,920 5.0%  
Operating expense Rs m11,035178,319 6.2%   
Gross profit Rs m3,625112,601 3.2%  
Gross profit margin %6.717.8 37.7%  
Provisions/contingencies Rs m4,80529,608 16.2%   
Profit before tax Rs m4,928194,715 2.5%   
Extraordinary Inc (Exp) Rs m870-   
Minority Interest Rs m0197 0.0%   
Prior Period Items Rs m037 0.0%   
Tax Rs m7266,937 0.1%   
Profit after tax Rs m4,943128,013 3.9%  
Net profit margin %9.220.3 45.2%  
BALANCE SHEET DATA
Advances Rs m361,0894,872,904 7.4%   
Deposits Rs m446,9035,458,733 8.2%  
Credit/Deposit ratio x80.889.3 90.5%  
Yield on advances %11.79.8 119.1%   
Cost of deposits %7.95.3 148.3%   
Net Interest Margin %2.84.2 67.1%  
Net fixed assets Rs m4,11234,797 11.8%   
Share capital Rs m1,2165,056 24.1%   
Free reserves Rs m25,054568,152 4.4%   
Net worth Rs m42,460743,041 5.7%   
Borrowings Rs m29,008717,635 4.0%   
Investments Rs m127,7301,616,833 7.9%   
Total assets Rs m531,5257,302,618 7.3%  
Debt/equity ratio x11.28.3 134.8%   
Return on assets %0.91.8 53.1%  
Return on equity %11.617.2 67.6%  
Capital adequacy ratio %14.615.5 94.1%  
Net NPAs %0.80.3 278.6%  
CASH FLOW
From Operations Rs m-3,090-76,769 4.0%  
From Investments Rs m-1,023-8,656 11.8%  
From Financial Activity Rs m4,822110,567 4.4%  
Net Cashflow Rs m71025,142 2.8%  

Share Holding

Indian Promoters % 3.0 22.6 13.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.4 9.9 125.3%  
FIIs % 25.1 34.1 73.6%  
ADR/GDR % 0.0 17.0 -  
Free float % 59.4 16.4 362.2%  
Shareholders   74,641 415,166 18.0%  
Pledged promoter(s) holding % 8.7 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARUR VYSYA BANK With:   BANK OF MAHARASHTRA  UNION BANK  AXIS BANK  DCB BANK  ANDHRA BANK  

Compare KARUR VYSYA BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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