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Compare SBI with HDFC Bank - Equitymaster
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SBI vs HDFC BANK - Comparison Results

SBI    Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... 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

    SBI HDFC BANK SBI/
HDFC BANK
 
P/E (TTM) x 23.9 30.1 79.3% View Chart
P/BV x 1.0 5.2 18.6% View Chart
Dividend Yield % 1.0 0.6 163.5%  

Financials

 SBI   HDFC BANK
EQUITY SHARE DATA
    SBI
Mar-17
HDFC BANK
Mar-17
SBI/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs2941,478 19.9%   
Low Rs1671,043 16.0%   
Income per share (Unadj.) Rs289.0285.9 101.1%  
Earnings per share (Unadj.) Rs0.359.5 0.5%  
Cash flow per share (Unadj.) Rs34.6156.5 22.1%  
Dividends per share (Unadj.) Rs2.6011.00 23.6%  
Avg Dividend yield %1.10.9 129.3%  
Book value per share (Unadj.) Rs272.4358.2 76.0%  
Shares outstanding (eoy) m7,974.332,562.55 311.2%   
Bonus/Rights/Conversions OIESOP-  
Avg Price / Income ratio x0.84.4 18.1%   
Avg P/E ratio x761.821.2 3,597.3%  
Avg P/CF ratio x3.016.8 17.8%  
Avg Price/Bookvalue ratio x0.83.5 24.0%  
Dividend payout %859.518.5 4,650.8%   
Avg Mkt Cap Rs m1,837,6843,230,094 56.9%   
No. of employees `000209.684.3 248.5%   
Total wages & salary Rs m356,91285,047 419.7%   
Avg. income/employee Rs Th10,996.48,689.2 126.6%   
Avg. wages/employee Rs Th1,703.11,008.6 168.9%   
Avg. net profit/employee Rs Th11.51,808.8 0.6%   
INCOME DATA
Interest income Rs m2,304,475732,714 314.5%  
Other income Rs m681,930128,776 529.5%   
Interest expense Rs m1,491,147380,416 392.0%   
Net interest income Rs m813,328352,298 230.9%  
Operating expense Rs m872,901207,511 420.7%   
Gross profit Rs m-59,573144,787 -41.1%  
Gross profit margin %-2.619.8 -13.1%  
Provisions/contingencies Rs m612,90939,908 1,535.8%   
Profit before tax Rs m9,448232,921 4.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m3,386367 922.2%   
Prior Period Items Rs m2,93323 12,533.3%   
Tax Rs m13,35580,781 16.5%   
Profit after tax Rs m2,412152,530 1.6%  
Net profit margin %0.120.8 0.5%  
BALANCE SHEET DATA
Advances Rs m18,968,8685,854,810 324.0%   
Deposits Rs m25,998,1076,431,343 404.2%  
Credit/Deposit ratio x73.091.0 80.1%  
Yield on advances %8.39.6 86.4%   
Cost of deposits %5.34.9 109.7%   
Net Interest Margin %2.54.2 61.1%  
Net fixed assets Rs m509,40738,147 1,335.4%   
Share capital Rs m7,9745,125 155.6%   
Free reserves Rs m2,163,948702,033 308.2%   
Net worth Rs m2,171,922917,940 236.6%   
Borrowings Rs m3,363,657984,156 341.8%   
Investments Rs m10,272,8092,107,771 487.4%   
Total assets Rs m34,451,2168,923,442 386.1%  
Debt/equity ratio x13.58.1 167.3%   
Return on assets %01.7 0.4%  
Return on equity %0.116.6 0.7%  
Capital adequacy ratio %13.614.6 93.2%  
Net NPAs %3.70.3 1,124.2%  
CASH FLOW
From Operations Rs m774,060172,816 447.9%  
From Investments Rs m-28,321-11,477 246.8%  
From Financial Activity Rs m-41,965-58,930 71.2%  
Net Cashflow Rs m703,774102,409 687.2%  

Share Holding

Indian Promoters % 58.6 22.6 259.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.9 9.9 211.1%  
FIIs % 9.7 34.1 28.4%  
ADR/GDR % 2.1 17.0 12.4%  
Free float % 8.7 16.4 53.0%  
Shareholders   855,889 415,166 206.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SBI With:   UNITED BANK OF INDIA  KARNATAKA BANK  ANDHRA BANK  KOTAK MAH. BANK  PUNJAB & SIND BANK  

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



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SBI: Turnaround in Profits on Insurance Stake Sale (Quarterly Results Update - Detailed)

Nov 16, 2017

Windfall gain from stake sale in insurance subsidiary props up SBI's profits and provision coverage.

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Aug 22, 2017

State Bank of India (SBI) continues to battle sliding asset quality and sluggish credit growth.

HDFC Bank: Loan Growth Camouflages Bad Loan Risks (Quarterly Results Update - Detailed)

Jan 22, 2018

The bank delivers a consistent performance with net profits growing by 20%. However, bad loans have risen considerably and would be the key things to watch out for going forward.

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Oct 26, 2017

Despite provisioning increasing by 97%, the bank reports a strong net profit growth of 20%.

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Feb 8, 2018

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