HDFC Bank Ltd.

Financial

	HDFC Bank	ICICI Bank	SBI
Operational Metrics
Banking Sector
Cost To Income Ratio	39.8 %	37.9 %	53.29 %
CASA Ratio	34.8 %	38.4 %	39.97 %
CASA vs Liabilities	24.16 %	23.86 %	29.73 %
Credit Deposit Ratio	96.5 %	86.54 %	78.14 %
Fresh Slippages - Quarterly	7500.0 Crs	5142.0 Crs	4222.0 Crs
Capital to Risks Assets Ratio (CRAR)	19.6 %	16.55 %	14.25 %
Tier I Capital	17.7 %	15.94 %	12.11 %
Tier 2 Capital	1.9 %	0.61 %	2.14 %
Net Interest Margin	3.54 %	4.41 %	3.09 %
Gross NPA	1.33 %	1.67 %	1.82 %
Net NPA	0.43 %	0.39 %	0.47 %
Yield On Advances	8.4 %	9.86 %	8.98 %
General Insurance Sector
Monthly Gross Direct Premium Income (GDPI)	929.9 Crs	n/a	888.16 Crs
Yield On Total Investments - General Insurance	6.8 %	n/a	5.36 %
NBFC
Cost of Borrowing	4.9 %	5.18 %	5.11 %
Financials
5 yr Average ROE	16.92 %	15.43 %	15.96 %
5yr average Equity Multiplier	8.74	9.84	16.59
5yr Average Asset Turnover Ratio	0.09	0.1	0.08
5yr Avg Net Profit Margin	19.96 %	14.15 %	9.85 %
5yr Avg Net Profit Margin	19.96 %	14.15 %	9.85 %
5yr CAGR Net Profit	18.64 %	35.85 %	28.19 %
5yr CAGR Sales	22.64 %	9.52 %	11.48 %
5 yr CAGR PPOP	14.38 %	13.8 %	9.78 %
Price to Book	2.92	3.28	1.49
P/E	22.65	21.81	9.34
Shareholdings
Promoter Holding	0.0	0.0	57.43 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-25.78 %	0.0	-0.16 %
Change in Mutual Fund Holding (3 Yrs)	8.95 %	1.01 %	-1.0 %

Business

	HDFC Bank	ICICI Bank	SBI
Segment Break-Up	Segment Break-Up Consumer Finance 40.71 Corporate Banking 27.53 Insurance Business 14.65 Treasury Operations 9.38 General insurance 0 Life insurance 0 Insurance 0 Retail Banking 0 Corporate /Wholesale Banking 0 Others 7.73	Segment Break-Up Retail Banking 0 Consumer Finance 0 Corporate /Wholesale Banking 0 Life Insurance Business 15.05 General Insurance 5.0 Treasury Operations 0 Corporate Banking 0 Insurance 0 Insurance Business 0 Others 79.95	Segment Break-Up Consumer Finance 35.32 Consumer Finance 0 Corporate Banking 21.78 Life insurance 0 General insurance 0 Treasury Operations 0 Corporate Banking 0 Insurance 17.12 Insurance Business 0 Others 25.78
Loan Break-Up	Loan Break-Up Personal Loan 40.68 Services 30.57 Advances to industries 21.31 Agricultural 7.45 Credit cards 0 Rural loans 0 Business banking 0 Vehicle loans 0 Mortgage loans 0 Overseas book 0 Corporate-Domestic 0 SME-Domestic 0 Infra - Others 0 Engineering 0 Retail Loans - Others 0 Telecom 0 Petroleum & Petrochemicals 0 Power 0 Roads & Ports 0 Iron & Steel 0 Industries - Others 0 Home Loans 0 Agriculture Loans 0 Textiles 0 Commercial Real Estate 0 Auto Loans 0	Loan Break-Up Loan Against Property 32.1 Corporate-Domestic 20.4 Industries - Others 0 Agricultural 0 Agriculture Loans 0 Power 0 Auto loans 7.1 Credit Cards 4.2 Iron & Steel 0 Home Loans 0 Business Banking 19.2 SME-Domestic 0 Personal Loan 0 Rural Finance 5.7 Services 0 Infra - Others 0 Advances to industries 0 Auto Loans 0 Retail Loans - Others 0 Commercial Real Estate 0 Petroleum & Petrochemicals 0 Engineering 0 Overseas 2.2 Telecom 0 Textiles 0 Roads & Ports 0 Others 9.1	Loan Break-Up Mortgage loans 0 Corporate-Domestic 0 Others 14.9 Agricultural 0 Agricultural Loan 9.68 Power 6.31 Vehicle loans 0 Credit cards 0 Iron & Steel 1.76 Home loans 23.07 Business banking 0 SME-Domestic 0 Personal Loan 0 Rural loans 0 Services 13.92 Infrastructure 1.19 Advances to industries 0 Auto loans 3.53 Consumer Finance 15.23 Commercial Real Estate 1.94 Petrochemicals 1.83 Engineering 1.03 Overseas book 0 Telecom 0.71 Textiles 1.1 Roads & Bridge 2.82 Others 0.98
Location Wise Break-Up	Location Wise Break-Up India 98.86 Rest of the World 1.14	Location Wise Break-Up India 96.84 Rest of the World 3.16	Location Wise Break-Up India 92.62 Rest of the World 7.34 Others 0.04
Operating Profit Break-Up	Operating Profit Break-Up Wholesale Banking 39.78 Retail Banking 31.15 Insurance Business 7.15 Treasury 4.7 Corporate / Wholesale Banking 0 Others 17.22	-	Operating Profit Break-Up Consumer Finance 35.61 Corporate Banking 32.03 Treasury Operations 28.9 Insurance 3.46 Wholesale Banking 0
Borrowings Break-Up	Borrowings Break-Up Bonds & Debentures 41.01 Other Institutions & Agencies 20.31 Banking 18.94 Borrowings outside India 14.92 Upper and lower Tier II capital and innovative perpetual debts 4.19 Reserve Bank of India 0.62 Outside India 0 Bonds and notes 0 Unsecured redeemable debentures/bonds 0 Capital instruments 0 0 Commercial paper 0 Deposits 0 Borrowings and Refinance outside India 0 Capital Instruments 0 Others 0.01	Borrowings Break-Up Bonds & Debentures 25.32 Bonds & Debentures 0 0 Commercial Papers 8.34 Bonds and notes 0 Capital Markets 0.2 Deposits 1.84 Outside India 23.94 Other Institutions & Agencies 0 Borrowings and Refinance outside India 0 Banking 0 Reserve Bank of India 1.26 UNSECURED REDEEMABLE BONDS 2.34 Capital Instruments 0 Borrowings outside India 0 Others 36.76	Borrowings Break-Up 0 Bonds & Debentures 0 0 Commercial paper 0 Bonds and notes 0 Capital instruments 0 Deposits 0 Outside India 0 Other Institutions & Agencies 0 Borrowings and Refinance outside India 51.68 Banking 0 Reserve Bank of India 16.3 Unsecured redeemable debentures/bonds 0 Capital Markets 15.7 Borrowings outside India 0 Others 16.32
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.7 Priority Sector 31.3 Non-priority sector 0 Priority sector 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 68.65 Priority Sector 31.35 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 22.14 Non-priority sector 0 Priority sector 0 Non Priority Sector 77.86
Asset Break-Up	Asset Break-Up India 98.12 Others 1.88	-	Asset Break-Up India 88.13 Others 11.87

HDFC Bank Ltd.

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