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Compare Punjab & Sind Bank with HDFC Bank - Equitymaster
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PUNJAB & SIND BANK vs HDFC BANK - Comparison Results

HDFC BANK 
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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

    PUNJAB & SIND BANK HDFC BANK PUNJAB & SIND BANK/
HDFC BANK
 
P/E (TTM) x 4.5 30.0 15.1% View Chart
P/BV x 0.3 5.2 5.3% View Chart
Dividend Yield % 1.6 0.6 268.0%  

Financials

 PUNJAB & SIND BANK   HDFC BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
HDFC BANK
Mar-17
PUNJAB & SIND BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs841,478 5.7%   
Low Rs441,043 4.2%   
Income per share (Unadj.) Rs214.5285.9 75.0%  
Earnings per share (Unadj.) Rs3.059.5 5.1%  
Cash flow per share (Unadj.) Rs21.3156.5 13.6%  
Dividends per share (Unadj.) Rs0.6011.00 5.5%  
Avg Dividend yield %0.90.9 107.7%  
Book value per share (Unadj.) Rs139.8358.2 39.0%  
Shares outstanding (eoy) m400.412,562.55 15.6%   
Bonus/Rights/Conversions PAESOP-  
Avg Price / Income ratio x0.34.4 6.8%   
Avg P/E ratio x21.121.2 99.5%  
Avg P/CF ratio x3.416.8 20.3%  
Avg Price/Bookvalue ratio x0.53.5 13.0%  
Dividend payout %19.818.5 107.1%   
Avg Mkt Cap Rs m25,5663,230,094 0.8%   
No. of employees `0009.284.3 10.9%   
Total wages & salary Rs m8,74385,047 10.3%   
Avg. income/employee Rs Th9,355.78,689.2 107.7%   
Avg. wages/employee Rs Th952.41,008.6 94.4%   
Avg. net profit/employee Rs Th132.21,808.8 7.3%   
INCOME DATA
Interest income Rs m85,886732,714 11.7%  
Other income Rs m4,288128,776 3.3%   
Interest expense Rs m69,094380,416 18.2%   
Net interest income Rs m16,792352,298 4.8%  
Operating expense Rs m13,325207,511 6.4%   
Gross profit Rs m3,467144,787 2.4%  
Gross profit margin %4.019.8 20.4%  
Provisions/contingencies Rs m6,27339,908 15.7%   
Profit before tax Rs m1,481232,921 0.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0367 0.0%   
Prior Period Items Rs m023 0.0%   
Tax Rs m26880,781 0.3%   
Profit after tax Rs m1,214152,530 0.8%  
Net profit margin %1.420.8 6.8%  
BALANCE SHEET DATA
Advances Rs m638,7025,854,810 10.9%   
Deposits Rs m867,1476,431,343 13.5%  
Credit/Deposit ratio x73.791.0 80.9%  
Yield on advances %10.09.6 104.4%   
Cost of deposits %7.74.9 158.7%   
Net Interest Margin %1.84.2 42.5%  
Net fixed assets Rs m9,94838,147 26.1%   
Share capital Rs m4,0045,125 78.1%   
Free reserves Rs m31,061702,033 4.4%   
Net worth Rs m55,962917,940 6.1%   
Borrowings Rs m30,482984,156 3.1%   
Investments Rs m267,5172,107,771 12.7%   
Total assets Rs m977,5348,923,442 11.0%  
Debt/equity ratio x16.08.1 198.6%   
Return on assets %0.11.7 7.3%  
Return on equity %2.216.6 13.0%  
Capital adequacy ratio %11.214.6 77.3%  
Net NPAs %3.60.3 1,075.8%  
CASH FLOW
From Operations Rs m-19,816172,816 -11.5%  
From Investments Rs m-845-11,477 7.4%  
From Financial Activity Rs m-392-58,930 0.7%  
Net Cashflow Rs m-21,053102,409 -20.6%  

Share Holding

Indian Promoters % 79.6 22.6 352.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 9.9 109.1%  
FIIs % 1.8 34.1 5.3%  
ADR/GDR % 0.0 17.0 -  
Free float % 7.8 16.4 47.6%  
Shareholders   150,895 415,166 36.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   INDUSIND BANK  ICICI BANK  SBI  SYNDICATE BANK  CORPORATION BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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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.

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Feb 8, 2018

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