BIG PRIVATE BANKS: FINANCIAL RESULTS AS OF 30.06.2016

BIG PRIVATE BANKS: FINANCIAL RESULTS AS OF 30.06.2016

Parameter/ Bank	HDFC	ICICI	Axis Bank	IndusInd	Yes Bank
PROFIT & LOSS STATEMENT
Interest Earned	16516	13330	11114	3292	3862
YOY (%)	17.60%	4.00%	11.90%	20.90%	18.80%
Other Income	2807	3430	2738	973	901
YOY (%)	14%	14.70%	19.10%	27.70%	65.30%
Total Income	19323	16760	13852	4265	4763
YOY (%)	17.10%	6.10%	13.20%	22.40%	25.40%
Interest Expenses	8735	8172	6597	1935	2546
YOY (%)	14.20%	6.20%	12.20%	11.00%	16.10%
Operating Expenses	4769	3373	2786	1096	910
YOY (%)	19.20%	10.00%	23.20%	33.80%	30.60%
Total Expenditure	13504	11545	9383	3031	3456
YOY (%)	15.90%	7.30%	15.20%	18.30%	19.60%
Operating Profit	5819	5215	4469	1234	1307
YOY (%)	20.00%	3.50%	9.20%	33.70%	43.90%
Net profit	3239	2232	1556	661	732
YOY (%)	20.10%	-25.00%	-21.30%	25.90%	32.80%
Overheads to Income(%)-Q1	30.07%	24.24%	25.13%	31.72%	22.69%
Cost to Income(%)-Q1	45.04%	39.28%	38.40%	47.04%	41.10%
Net Interest Income (NII)	7781	5158	4517	1357	1316
YOY (%)	21.80%	0.80%	11.40%	38.50%	24.20%
BALANCE SHEET
Business Mix	1,044,377	873,513	702,783	195,446	228,523
YOY (%)	20.57%	13.80%	18.63%	30.35%	30.60%
Total Deposits	573,755	424,086	357,858	101,768	122,581
YOY (%)	18.50%	15.28%	16.27%	30.99%	28.60%
CASA Ratio (%)	39.90%	45.12%	43.43%	34.43%	29.60%
Total Advances	470,622	449,427	344,925	93,678	105,942
YOY (%)	23.20%	12.43%	21.18%	29.67%	32.98%
CD Ratio(%)	82.02%	105.98%	96.39%	92.05%	86.43%
Balance Sheet Size (Assets)	755,100	727,222	534,574		177,229
YOY (%)	19.99%	0.91%	18.14%		27.47%
Gross NPAs Amount	4921	27194	9553	861	845
Gross NPA(%)	1.04%	5.87%	2.54%	0.91%	0.79%
Net NPAs Amount	1493	15041	4010	356	302
Net NPA(%)	0.32%	3.35%	1.08%	0.38%	0.29%
PCR(%)		57.10%	69.00%	59.00%	64.20%
CRAR-Basel-lII	15.50%	16.22%	15.67%	15.42%	15.50%
Business per Branch-Rs.Cr	229.99	196.25	233.79	194.67	253.91
No.of branches	4541	4451	3006	1004	900
Total ATMs	12013	14073	12781	1885	1680
EPS-Not Ann	12.8	3.84	6.52	8.34	17.39
ROA%	0.50%	1.27%	1.19%	1.94%	1.70%
ROE%		9.90%	12.04%	15.05%	20.70%
Cost of Deposits (%)		5.64%		6.93%	6.93%
Yield on Adv(%)		9.06%		12.07%	11.10%
NIM(%)	4.40%	3.45%	3.81%	3.97%	3.40%