HDFC Bank : Find Full Form, Profile, Latest Revenue and Financials Details

Company profile is the section where you can have a brief description about well established and finally sound blue chip companies that are listed in the Indian Stock Exchanges. This section will provide a keen overview about the company in terms of its origin, founders, latest financial reports and much more. We will try to make this article as informative as possible so that virtually this page becomes the HDFC Wiki for a stock market beginner. This week we would be exploring HDFC Bank who is one of the highly reputed and India’s largest private sector lender by assets in the banking and financial sector of an Indian economy. Companies Origin & Profile: Brief Company Profile: HDFC Bank alias Housing Development Finance Corporation is India’s largest private sector lender by assets. The bank was incorporated on 30th August 1994 with its registered office in Mumbai, India. HDFC Bank was the first amongst to receive an ‘in principle’ approval from RBI (Reserve Bank of India) to set up the bank in private sector, a part of RBI’s liberalization of Indian Banking sector in 1994. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. It has around 88,253 permanents employees and has an overseas presence in Dubai, Hong Kong and Bahrain. Inception & Founders: HDFC Bank was founded in 1994 and is headed by Aditya Puri, he has managed this position since September 1994 making him the longest-serving head of any private sector bank in India. Chairman & Directors: Shyamala Gopinath is the chairman & Aditya Puri is the CEO & MD of HDFC Bank. Customer Segment & Area of Operations: HDFC Bank is the banking leader that has a wide and diversified customer segments across India and overseas, mainly its customer segments includes Individuals, Large Corporates and Financial Institutions among others. The detailed products and customer segments are defined below: [caption id="attachment_3767" align="aligncenter" width="620"] HDFC Product Offering[/caption] Confidence Booster for Investors: The following pointers will uplift the confidence of any stock market analyst. As this highlight the favourable business outcomes for HDFC Bank.

• The bank has been maintaining a healthy dividend payout of 19.39%.
• The HDFC has generated a good ROCE at 66.30%.
• A Wide range of products to meet various customer needs.

Quick Financial Information(Last Updated on 02/08/2018): Following table highlights Key ratios and financial variables which will help investors a lot.

Particulars	Info
Book Value:	419.54
Market Cap:	570,599 Cr.
ROE:	17.87 %
ROCE:	66.30 %
Current Price:	2,158
Stock P/E:	31.36
Sales Growth (3Yrs):	18.30 %
52 weeks High / Low	2219.05 / 1685.00
Dividend Yield:	0.59 %
Face Value:	2
P/B:	4.85
PEG Ratio	0.95
Price to book value	5.839
EPS	67.38
Return of Equity(3Yrs)	18.00%

Shareholding Pattern: The table below highlights the approximate shareholding pattern of HDFC Bank.

authorized share capital	Rs. 650 crore.
paid-up share capital	Rs 520,83,15,734 /-(260,41,57,867 equity shares)
HDFC Group	20.86 %
ADS / GDR Depositories (in respect of the bank's American Depository Shares (ADS) and Global Depository Receipts (GDR) Issues)	18.16 %
FII's	33.44 %
shareholders.	5,48,942

Peer Comparison: The table below highlights the Top 7 companies in the same business, therefore, giving the easy benchmark for comparing HDFC Bank with other 6 companies in the same business.

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %
1	HDFC Bank	2158.7	31.36	570599.39	0.59	4601.44	18.17	22548.98	20.78	66.3
2	Kotak Mah. Bank	1312.7	39.99	250242.95	0.05	1574.48	57.39	6903.37	16.31	29.69
3	ICICI Bank	299.3	41.77	192522.56	0.76	-119.55	-105.83	14722.36	9.39	23.94
4	Yes Bank	365.85	18.67	84377.46	0.74	1260.36	30.54	6578.04	41.35	53.42
5	IndusInd Bank	2001.35	31.58	120178.31	0.37	1035.72	23.81	5068.15	22.55	54.47
6	Bandhan Bank	706.95	56.19	84325.35	0.14	481.71	47.51	1556.17	34.92	52.88
7	Indian Bank	353.3	13.48	16968.7	1.7	131.98	-58.72	4463.89	11.14	53.53

Annual & Quarterly Results: Below is the Quarterly Results of HDFC Bank

Particulars	Jun-18	Mar-18	Dec-17	Sep-17	Jun-17	Mar-17
Sales	22,548	21,321	20,581	19,670	18,668	18,114
Expenses	7,613	7,591	7,083	7,016	6,926	6,483
Operating Profit	14,935	13,729	13,497	12,654	11,742	11,630
OPM %	66.24%	64.39%	65.58%	64.33%	62.90%	64.21%
Other Income	3,818	4,228	3,869	3,605	3,516	3,446
Depreciation	0	0	0	0	0	0
Interest	11,735	10,663	10,266	9,918	9,297	9,059
Profit before tax	7,018	7,294	7,099	6,341	5,961	6,017
Tax	2,416	2,495	2,457	2,190	2,067	2,027
Net Profit	4,601	4,799	4,642	4,151	3,893	3,990

Annual Results of HDFC Bank.

	Mar-18	Mar-17	Mar-16	Mar-15	Mar-14	Mar-13
Sales	80,241	69,305	60,221	48,469	41,135	35,064
Expenses	27,711	22,463	18,999	15,407	12,958	12,261
Operating Profit	52,529	46,842	41,221	33,062	28,176	22,803
OPM %	65.46%	67.59%	68.45%	68.21%	68.50%	65.03%
Other Income	15,220	12,296	10,751	8,996	7,919	6,852
Interest	40,146	36,166	32,629	26,074	22,652	19,253
Depreciation	906	833	705	656	671	651
Profit before tax	26,697	22,139	18,637	15,328	12,772	9,750
Tax	9,210	7,589	6,341	5,112	4,293	3,024
Net Profit	17,486	14,549	12,296	10,215	8,478	6,726

Cash Flow statement: Readers will find the cash flow statements of HDFC Bank of past 6 years.

	Mar-18	Mar-17	Mar-16	Mar-15	Mar-14	Mar-13
Cash from Operating Activity	26,074	23,585	-30,132	-15,862	8,363	-1,868
Cash from Investing Activity	-522	-1,984	-627	-1,933	-1,623	-854
Cash from Financing Activity	48,411	-11,567	33,347	14,543	5,562	9,065
Net Cash Flow	73,962	10,033	2,587	-3,252	12,303	6,342

Balance Sheet: The below table highlights the balance sheet position for the past 6 years.

	Mar-18	Mar-17	Mar-16	Mar-15	Mar-14	Mar-13
Share Capital	519	512	505	501	479	475
Reserves	1,05,775	88,949	72,172	61,508	42,998	35,738
Borrowings	9,11,875	7,17,668	6,31,393	4,96,009	4,06,776	3,29,253
Other Liabilities	45,817	56,830	36,818	32,557	41,402	34,922
Total Liabilities	10,63,988	8,63,961	7,40,889	5,90,576	4,91,658	4,00,389
Fixed Assets	3,607	3,626	3,343	3,121	2,939	2,703
CWIP	0	0	0	0	0	0
Investments	2,42,200	2,14,463	1,95,836	1,51,641	1,20,951	1,11,613
Other Assets	8,18,180	6,45,871	5,41,710	4,35,812	3,67,767	2,86,073
Total Assets	10,63,988	8,63,961	7,40,889	5,90,576	4,91,658	4,00,389

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