By Helgi Library - November 3, 2019
HDFC Bank made a net profit of INR 223 bil under revenues of INR 704 bil in 2018, up 20.7% and 19.4% respectively compared to the pre...
By Helgi Library - October 15, 2019
HDFC Bank stock traded at INR 1,167 per share at the end 2018 implying a market capitalization of USD 90,591 mil. Since the end of 2013...
By Helgi Library - October 15, 2019
HDFC Bank's capital adequacy ratio reached 17.1% at the end of 2018, up from 14.8% compared to the previous year. Historicall...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | INR bil | 352 | 429 | 514 |
| Net Fee Income | INR bil | 94.8 | 123 | 149 |
| Other Income | INR bil | 34.1 | 37.3 | 40.0 |
| Total Revenues | INR bil | 481 | 589 | 704 |
| Operating Profit | INR bil | 273 | 346 | 422 |
| Provisions | INR bil | 39.3 | 61.4 | 78.8 |
| Net Profit | INR bil | 153 | 185 | 223 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | INR bil | 114 | 184 | 350 |
| Customer Loans | INR bil | 5,855 | 7,000 | 8,692 |
| Total Assets | INR bil | 8,923 | 11,032 | 12,928 |
| Shareholders' Equity | INR bil | 921 | 1,100 | 1,542 |
| Interbank Borrowing | INR bil | 241 | 182 | 165 |
| Customer Deposits | INR bil | 6,357 | 7,784 | 9,131 |
| Issued Debt Securities | INR bil | 984 | 1,564 | 1,577 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 18.3 | 18.3 | 16.9 |
| ROA | % | 1.84 | 1.86 | 1.86 |
| Costs (As % Of Assets) | % | 2.52 | 2.44 | 2.35 |
| Costs (As % Of Income) | % | 43.3 | 41.3 | 40.1 |
| Capital Adequacy Ratio | % | 14.6 | 14.8 | 17.1 |
| Net Interest Margin | % | 4.26 | 4.30 | 4.29 |
| Loans (As % Of Deposits) | % | 92.1 | 89.9 | 95.2 |
| NPLs (As % Of Loans) | % | 0.998 | 1.22 | 1.28 |
| Provisions (As % Of NPLs) | % | 68.7 | 69.8 | 71.4 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 24.2 | 26.4 | 28.3 | |
| Price/Book Value (P/BV) | 4.01 | 4.45 | 4.10 | |
| Earnings Per Share (EPS) | 29.6 | 35.4 | 41.3 | |
| Book Value Per Share | 179 | 210 | 285 | |
Get all company financials in excel:
| summary | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||
| Net Interest Income | INR bil | 162 | 191 | 234 | 291 | 352 | |||||||||
| Total Revenues | INR bil | 232 | 274 | 329 | 403 | 481 | |||||||||
| Operating Profit | INR bil | 114 | 152 | 182 | 223 | 273 | |||||||||
| Net Profit | INR bil | 68.7 | 87.4 | 107 | 128 | 153 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | INR bil | 129 | 146 | 90.0 | 89.9 | 114 | |||||||||
| Customer Loans | INR bil | 2,472 | 3,154 | 3,834 | 4,873 | 5,855 | |||||||||
| Debt Securities | INR bil | 1,109 | 1,195 | 1,642 | 1,936 | 2,107 | |||||||||
| Total Assets | INR bil | 4,077 | 5,036 | 6,071 | 7,622 | 8,923 | |||||||||
| Shareholders' Equity | INR bil | 369 | 443 | 633 | 745 | 921 | |||||||||
| Interbank Borrowing | INR bil | 79.5 | 83.7 | 95.6 | 121 | 241 | |||||||||
| Customer Deposits | INR bil | 2,936 | 3,643 | 4,468 | 5,412 | 6,357 | |||||||||
| Issued Debt Securities | INR bil | 395 | 496 | 595 | 1,037 | 984 | |||||||||
| ratios | |||||||||||||||
| ROE | % | 20.4 | 21.5 | 19.9 | 18.6 | 18.3 | |||||||||
| ROA | % | 1.83 | 1.92 | 1.92 | 1.87 | 1.84 | |||||||||
| Costs (As % Of Assets) | % | 3.16 | 2.69 | 2.64 | 2.62 | 2.52 | |||||||||
| Costs (As % Of Income) | % | 50.8 | 44.6 | 44.6 | 44.6 | 43.3 | |||||||||
| Capital Adequacy Ratio | % | 16.9 | 16.0 | 16.8 | 15.5 | 14.6 | |||||||||
| Net Interest Margin | % | 4.32 | 4.19 | 4.21 | 4.25 | 4.26 | |||||||||
| Interest Income (As % Of Revenues) | % | 69.5 | 69.7 | 71.0 | 72.2 | 73.2 | |||||||||
| Fee Income (As % Of Revenues) | % | 23.4 | 22.2 | 21.6 | 20.6 | 19.7 | |||||||||
| Equity (As % Of Assets) | % | 9.04 | 8.80 | 10.4 | 9.77 | 10.3 | |||||||||
| Loans (As % Of Deposits) | % | 84.2 | 86.6 | 85.8 | 90.0 | 92.1 | |||||||||
| Loans (As % Assets) | % | 60.6 | 62.6 | 63.2 | 63.9 | 65.6 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | 0.953 | 0.976 | 0.933 | 0.896 | 0.998 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 79.3 | 71.7 | 72.6 | 69.9 | 68.7 | ||||||
| valuation | |||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | 27,158 | 29,068 | 40,661 | 40,830 | 54,398 | |||||||||
| Number Of Shares (Average) | mil | 4,774 | 4,816 | 4,903 | 5,096 | 5,157 | |||||||||
| Share Price (End Of Period) | INR | 312 | 373 | 523 | 531 | 717 | |||||||||
| Earnings Per Share (EPS) | 14.4 | 18.2 | 21.8 | 25.1 | 29.6 | ||||||||||
| Book Value Per Share | 77.2 | 92.0 | 129 | 146 | 179 | ||||||||||
| Price/Earnings (P/E) | 21.7 | 20.5 | 24.0 | 21.2 | 24.2 | ||||||||||
| Price/Book Value (P/BV) | 4.04 | 4.05 | 4.05 | 3.64 | 4.01 | ||||||||||
| Earnings Per Share Growth | % | ... | 29.3 | 26.2 | 20.1 | 15.2 | 17.7 | ||||||||
| Book Value Per Share Growth | % | ... | 19.8 | 19.2 | 40.3 | 13.2 | 22.2 |
| income statement | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||
| Interest Income | INR bil | 359 | 426 | 507 | 632 | 733 | |||||||||
| Interest Cost | INR bil | 197 | 234 | 273 | 341 | 380 | |||||||||
| Net Interest Income | INR bil | 162 | 191 | 234 | 291 | 352 | |||||||||
| Net Fee Income | INR bil | 54.4 | 61.0 | 71.2 | 83.1 | 94.8 | |||||||||
| Other Income | INR bil | 16.4 | 22.0 | 24.1 | 28.9 | 34.1 | |||||||||
| Total Revenues | INR bil | 232 | 274 | 329 | 403 | 481 | |||||||||
| Operating Cost | INR bil | 118 | 122 | 147 | 180 | 208 | |||||||||
| Operating Profit | INR bil | 114 | 152 | 182 | 223 | 273 | |||||||||
| Provisions | INR bil | 14.2 | 19.6 | 21.8 | 28.1 | 39.3 | |||||||||
| Extra and Other Cost | INR bil | 0.010 | -0.034 | -0.111 | 0.001 | 0.016 | |||||||||
| Pre-Tax Profit | INR bil | 100 | 132 | 161 | 195 | 234 | |||||||||
| Tax | INR bil | 31.0 | 44.5 | 53.8 | 66.9 | 80.8 | |||||||||
| Minorities | INR bil | 0.335 | 0.247 | 0.144 | 0.197 | 0.367 | |||||||||
| Net Profit | INR bil | 68.7 | 87.4 | 107 | 128 | 153 | |||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 23.5 | 18.2 | 22.3 | 24.4 | 21.1 | ||||||||
| Net Fee Income Growth | % | ... | 20.4 | 12.0 | 16.9 | 16.6 | 14.1 | ||||||||
| Total Revenue Growth | % | ... | 22.4 | 17.9 | 20.1 | 22.4 | 19.4 | ||||||||
| Operating Cost Growth | % | ... | 17.8 | 3.53 | 19.9 | 22.5 | 15.8 | ||||||||
| Operating Profit Growth | % | ... | 17.8 | 3.53 | 49.1 | 22.3 | 22.3 | ||||||||
| Pre-Tax Profit Growth | % | ... | 30.5 | 32.1 | 21.7 | 21.3 | 19.8 | ||||||||
| Net Profit Growth | % | ... | 30.9 | 27.3 | 22.2 | 19.8 | 19.2 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | 0.010 | 0.010 | 0.011 | 0.012 | 0.012 | ... | ||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | 0.012 | 0.016 | 0.020 | 0.031 | ... | ... | ... |
| balance sheet | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||||||
| Cash | INR bil | 146 | 254 | 275 | 301 | 379 | |||||||||
| Interbank Loans | INR bil | 129 | 146 | 90.0 | 89.9 | 114 | |||||||||
| Customer Loans | INR bil | 2,472 | 3,154 | 3,834 | 4,873 | 5,855 | |||||||||
| Debt Securities | INR bil | 1,109 | 1,195 | 1,642 | 1,936 | 2,107 | |||||||||
| Fixed Assets | INR bil | 23.9 | 26.0 | 26.6 | 34.8 | 38.1 | |||||||||
| Total Assets | INR bil | 4,077 | 5,036 | 6,071 | 7,622 | 8,923 | |||||||||
| Shareholders' Equity | INR bil | 369 | 443 | 633 | 745 | 921 | |||||||||
| Of Which Minority Interest | INR bil | 2.21 | 1.52 | 1.62 | 1.81 | 2.91 | |||||||||
| Liabilities | INR bil | 3,709 | 4,593 | 5,438 | 6,877 | 8,003 | |||||||||
| Interbank Borrowing | INR bil | 79.5 | 83.7 | 95.6 | 121 | 241 | |||||||||
| Customer Deposits | INR bil | 2,936 | 3,643 | 4,468 | 5,412 | 6,357 | |||||||||
| Sight Deposits | INR bil | 512 | 601 | 717 | 861 | 1,133 | |||||||||
| Term Deposits | INR bil | 2,424 | 3,042 | 3,751 | 4,551 | 5,224 | |||||||||
| Issued Debt Securities | INR bil | 395 | 496 | 595 | 1,037 | 984 | |||||||||
| Other Liabilities | INR bil | 298 | 370 | 279 | 308 | 420 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | INR bil | ... | ... | 23.7 | 31.0 | 36.0 | 43.9 | 58.9 | |||||||
| Gross Loans | INR bil | 2,491 | 3,176 | 3,860 | 4,904 | 5,895 | |||||||||
| Total Provisions | INR bil | ... | ... | ... | 18.8 | 22.2 | 26.1 | 30.7 | 40.4 | ||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 24.3 | 27.6 | 21.6 | 27.1 | 20.2 | ||||||||
| Total Asset Growth | % | ... | 19.5 | 23.5 | 20.5 | 25.6 | 17.1 | ||||||||
| Shareholders' Equity Growth | % | ... | 21.3 | 20.2 | 42.9 | 17.6 | 23.6 | ||||||||
| Customer Deposit Growth | % | ... | 20.2 | 24.1 | 22.6 | 21.1 | 17.5 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 4.48 | 4.91 | 5.40 | 6.11 | 7.09 | ... | ||||||||
| Market Share in Total Assets | % | 4.70 | 4.98 | 5.45 | 6.04 | 6.28 | ... | ||||||||
| Market Share in Customer Deposits | % | 4.67 | 5.06 | 5.47 | 5.92 | 5.97 | ... |
| ratios | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||||||
| ROE | % | 20.4 | 21.5 | 19.9 | 18.6 | 18.3 | |||||||||
| ROA | % | 1.83 | 1.92 | 1.92 | 1.87 | 1.84 | |||||||||
| Costs (As % Of Assets) | % | 3.16 | 2.69 | 2.64 | 2.62 | 2.52 | |||||||||
| Costs (As % Of Income) | % | 50.8 | 44.6 | 44.6 | 44.6 | 43.3 | |||||||||
| Capital Adequacy Ratio | % | 16.9 | 16.0 | 16.8 | 15.5 | 14.6 | |||||||||
| Tier 1 Ratio | % | 11.0 | 11.7 | 13.7 | 13.2 | 12.8 | |||||||||
| Net Interest Margin | % | 4.32 | 4.19 | 4.21 | 4.25 | 4.26 | |||||||||
| Interest Spread | % | ... | 3.80 | 3.69 | 3.68 | 3.69 | 3.74 | ||||||||
| Asset Yield | % | 9.58 | 9.34 | 9.12 | 9.23 | 8.86 | |||||||||
| Cost Of Liabilities | % | ... | 5.78 | 5.65 | 5.44 | 5.53 | 5.11 | ||||||||
| Interest Income (As % Of Revenues) | % | 69.5 | 69.7 | 71.0 | 72.2 | 73.2 | |||||||||
| Fee Income (As % Of Revenues) | % | 23.4 | 22.2 | 21.6 | 20.6 | 19.7 | |||||||||
| Other Income (As % Of Revenues) | % | 7.04 | 8.03 | 7.33 | 7.17 | 7.09 | |||||||||
| Equity (As % Of Assets) | % | 9.04 | 8.80 | 10.4 | 9.77 | 10.3 | |||||||||
| Loans (As % Of Deposits) | % | 84.2 | 86.6 | 85.8 | 90.0 | 92.1 | |||||||||
| Loans (As % Assets) | % | 60.6 | 62.6 | 63.2 | 63.9 | 65.6 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | 0.953 | 0.976 | 0.933 | 0.896 | 0.998 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 79.3 | 71.7 | 72.6 | 69.9 | 68.7 | ||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | 0.762 | 0.705 | 0.682 | 0.631 | 0.690 | ||||||
| Cost of Provisions (As % Of Loans) | % | 0.638 | 0.698 | 0.623 | 0.645 | 0.734 |
| other data | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||||||||
| Employees | 69,065 | 68,165 | 76,286 | 87,555 | 84,325 | ||||||||||
| Sight (As % Of Customer Deposits) | % | 17.4 | 16.5 | 16.0 | 15.9 | 17.8 |
Get all company financials in excel:
By Helgi Library - November 3, 2019
HDFC Bank generated total banking revenues of INR 704 bil in 2018, up 19.4% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 704 bil in 2018 and an all tim...
By Helgi Library - October 15, 2019
HDFC Bank's non-performing loans reached 1.28% of total loans at the end of 2018, up from 1.22% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.98% in 2008 and an all time low of 0.896% in 2015. Provision coverage amount...
By Helgi Library - October 15, 2019
HDFC Bank's net interest margin amounted to 4.29% in 2018, down from 4.30% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.68% in 2008 and an all time low of 4.15% in 2009. The average margin in ...
By Helgi Library - November 3, 2019
HDFC Bank's customer loan growth reached 24.2% in 2018, up from 19.6% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 56.1% in 2008 and an all time low of 19.6% in 2017. In the last decade, the average annu...
By Helgi Library - November 3, 2019
HDFC Bank's customer loans reached INR 7,000 bil in 2017, up 19.6% compared to the previous year. Indian banking sector provided customer loans of INR 88,362 bil in 2017, up 7.04% when compared to the last year. HDFC Bank accounted for 7.92% of all custom...
By Helgi Library - November 3, 2019
HDFC Bank's customer deposits reached INR 7,784 bil in 2017, up 22.4% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. HDFC Bank accounted for 7.06% of all...
By Helgi Library - November 3, 2019
HDFC Bank generated total banking revenues of INR 589 bil in 2017, up 22.5% compared to the previous year. Indian banking sector banking sector generated total revenues of INR 4,320,359 mil in 2017, up 7.41% when compared to the last year. As a ...
HDFC Bank has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2018, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2018. HDFC Bank's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
HDFC Bank stock traded at per share at the end of 2018 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of % the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of x in 2018.
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