EQUITY SHARE DATA
Units HDFC BANK SBI HDFC
Mar-20 Mar-19 BANK/
SBI
High Rs 1,304 321 406.5%
Low Rs 739 233 316.6%
Earnings per Rs 49.7 2.6 1,928.9%
share
Book value per Rs 321.6 262.8 122.4%
share
Shares m 5,483.29 8,924.59 61.4%
outstanding
Avg P/E ratio x 20.6 107.5 19.1%
Avg
Price/Bookvalu x 3.2 1.1 301.2%
e ratio
Dividend % 5.0 0 -
payout
Avg Mkt Cap Rs m 5,601,181 2,473,004 226.5%
No. of `000 117.0 257.3 45.5%
employees
BALANCE SHEET DATA
Advances Rs m 9,937,028,781 23,252,895,607 42.7%
Deposits Rs m 11,475,022,947 32,416,207,343 35.4%
Net fixed assets Rs m 44,319,155 384,392,818 11.5%
Share capital Rs m 5,483,286 8,924,612 61.4%
Borrowings Rs m 1,868,343,231 3,146,556,521 59.4%
Investments Rs m 10,152,594,987 10,469,545,175 97.0%
Net NPAs % 0.4 3.0 12.0%
Shareholders 415,166 855,889 48.5%
Investment Valuation Ratios HDFC-MAR'20 SBI-Mar 20'
Face Value 1.00 1.00
Dividend Per Share -- --
Operating Profit Per Share (Rs) 96.97 -19.18
Net Operating Profit Per Share 222.84 288.33
(Rs)
Free Reserves Per Share (Rs) -- --
Bonus in Equity Capital -- --
Profitability Ratios
Interest Spread 7.04 6.59
Adjusted Cash Margin(%) 36.34 5.88
Net Profit Margin 22.30 5.63
Return on Long Term Fund(%) 70.99 88.37
Return on Net Worth(%) 15.45 6.95
Adjusted Return on Net Worth(%) 29.58 6.95
Return on Assets Excluding 322.68 233.34
Revaluations
Return on Assets Including 322.68 259.96
Revaluations
Management Efficiency Ratios
Interest Income / Total Funds 8.51 6.79
Net Interest Income / Total Funds 4.18 2.59
Non Interest Income / Total Funds 1.73 1.19
Interest Expended / Total Funds 4.33 4.20
Operating Expense / Total Funds 2.21 3.04
Profit Before Provisions / Total 3.61 0.65
Funds
Net Profit / Total Funds 1.90 -0.76
Loans Turnover 0.13 0.11
Total Income / Capital 10.24 7.98
Employed(%)
Interest Expended / Capital 4.33 4.20
Employed(%)
Total Assets Turnover Ratios 0.09 0.07
Asset Turnover Ratio 0.09 0.07
Profit And Loss Account Ratios
Interest Expended / Interest 50.85 61.88
Earned
Other Income / Total Income 16.92 14.95
Operating Expense / Total Income 21.59 38.08
Selling Distribution Cost 0.08 0.09
Composition
Balance Sheet Ratios
Capital Adequacy Ratio -- 13.13
Advances / Loans Funds(%) 86.49 67.69
Debt Coverage Ratios
Credit Deposit Ratio 92.47 73.32
Investment Deposit Ratio 32.69 32.73
Cash Deposit Ratio 5.75 5.59
Total Debt to Owners Fund 7.56 17.08
Financial Charges Coverage 2.26 1.45
Ratio
Financial Charges Coverage 1.11
Ratio Post Tax 1.46
Leverage Ratios
Current Ratio 0.05 0.09
Quick Ratio 16.53 17.05
Cash Flow Indicator Ratios
Dividend Payout Ratio Net 6.37 -
Profit
Dividend Payout Ratio Cash 6.08 -
Profit
Earning Retention Ratio 96.68 100
Cash Earning Retention Ratio 96.75 100
AdjustedCash Flow Times 21.44 182.2
Profitability Ratios HDFC SBI
Interest Spread 7.04 6.59
Adjusted Cash Margin(%) 36.34 5.88
Net Profit Margin 22.30 5.63
Return on Long Term Fund(%) 70.99 88.37
Return on Net Worth(%) 15.45 6.95
Management Efficiency Ratios
Total Assets Turnover Ratios 0.09 0.07
Asset Turnover Ratio 0.09 0.07
Profit And Loss Account Ratios
Interest Expended / Interest Earned 50.85 61.88
Other Income / Total Income 16.92 14.95
Operating Expense / Total Income 21.59 38.08
Selling Distribution Cost Composition 0.08 0.09
Balance Sheet Ratios
Capital Adequacy Ratio -- 13.13
Advances / Loans Funds(%) 86.49 67.69
Debt Coverage Ratios
Credit Deposit Ratio 92.47 73.32
Investment Deposit Ratio 32.69 32.73
Cash Deposit Ratio 5.75 5.59
Total Debt to Owners Fund 7.56 17.08
Financial Charges Coverage Ratio 2.26 1.45
Financial Charges Coverage Ratio Post Tax 1.11
1.46
Leverage Ratios
Current Ratio 0.05 0.09
Quick Ratio 16.53 17.05
Cash Flow Indicator Ratios
Dividend Payout Ratio Net Profit 6.37 -
Dividend Payout Ratio Cash Profit 6.08 -
Earning Retention Ratio 96.68 100
Cash Earning Retention Ratio 96.75 100
AdjustedCash Flow Times 21.44 182.2
Debt Coverage
Ratios
Credit Deposit Ratio 92.47 73.32
Investment Deposit 32.69 32.73
Ratio
Cash Deposit Ratio 5.75 5.59
Total Debt to 7.56 17.08
Owners Fund
Financial Charges 2.26 1.45
Coverage Ratio
Leverage Ratios
Current Ratio 0.05 0.09
Quick Ratio 16.53 17.05
