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%
|
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